davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have items passed on that should be taken out or removed. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-08-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Velocity Portfolio Group (FL)

On XX/XX/XXXX, I received notice from XXXX XXXX XXXX regarding a debt I owed CKS Prime Investments in the amount of {$1400.00}. CKS purchased this debt from the XXXX XXXX XXXX, where I had a credit card. I requested more information about the debt via email to XXXX at XXXX that evening from my personal XXXX To that, I received no written confirmation or response. However, on XX/XX/year> I received a letter from XXXX XXXX showing me a credit card statement to the debt for a XXXXXXXX XXXX Card that was authorized by the XXXX XXXX XXXX. They claimed they could move forward with proceedings but wanted to hear from me first. I quickly wrote an email to XXXX ( XXXX ) which is the primary email listed on the letter I received and is well advertised on their website. I acknowledged the debt, and offered to settle for {$1000.00} over 8 monthly payments. I received no response. Due to another recent legal issue I had, I have browsed a local court docket and noticed a lawsuit was filed ( statement of claim ) against me on the early morning hours of XX/XX/year>. It was seeking legal action that for the entire amount stating I had not responded or articulated interest in settling or communicating. Further, they took that step without # XXXX responding to my request and # XXXX showing that XXXX had actually purchased the debt from the XXXX XXXX XXXX  ( only a credit card statement ). 

The law firm dated my letter validating the debt on XXXX XXXX XXXX but I did not receive it until XXXX XXXX. The letter was not sent via certified mail nor with tracking information so there was no way of knowing I received it. I communicated immediately after receiving this message and I know they do receive my emails, because I finally received the validation 2 months after I requested it via email but did not get an acknowledgement. They did not account for the fact that they dated their letter on XX/XX/XXXX, but I didnt receive it timely and as a result they initiated legal action against me despite my ongoing efforts to resolve it. 

Once I came across the lawsuit yesterday, I emailed a letter to the counsel on file, XXXX ( the primary email of receipt for the suit ), and XXXX. I requested they accept my offer and make me a counter offer. Further, that they cease service of process and withdraw the statement of claim against me because I had made a documented effort to reach them in a timely manner after I received acknowledgement.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CL Holdings LLC (DE)

I am an ID theft victim. A store card for XXXX XXXX was opened in my name without my knowledge or authorization. I did not open, use or benefit from the account. The account was opened using my mothers address which I have not lived in several years ( XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, DE XXXX ) which is the only reason I had knowledge of the account. I received collection calls when the account defaulted and I advised the agents that the account was fraudulently opened. They did nothing. I have disputed the account with XXXX XXXX  and their debt buyer Jefferson Capital several times and the information continues to report on my bureau. I want this item removed from my bureau.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX This account is incorrectly being reported as a charged off account with a balance due. Also I was apart of the lawsuit settlement XXXX XXXX XXXX XXXX. 

XXXX  XXXX BANKRUPTCY This XXXX  XXXX bankruptcy is reporting a status of discharged but my credit report is still showing a balance due on a Installment account that was opened prior to the bankruptcy on XX/XX/year>. 

XXXX XXXX  XXXX MY DATA WAS EXPOSED IN THE XXXX XXXX XXXX
Consumer complaint received 2024-09-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Sigue Corp. (CA)

I sent money to XXXX for my family members living support, I sent {$1000.00} to XXXX at XX/XX/year>, but they can't received the money, I called the Sigue for full refund, but I did not get my refund.
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BARCLAYS BANK DELAWARE (MA)

XXXX XXXX XXXXXXXX and barxlys state the accounts are mine that is not true never recived a letter of proof of the debt no records of it just a letter stating they have the information I want them to provide that proof if not these accounts should be rempved from my credit report
Consumer complaint received 2024-08-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

My loans should be returned to In-school deferment reporting status. I'm currently a student and the school has verified that. I've asked several times with several escalations and reassurance that this will be corrected. They currently show my student loans, which are due in XXXX. This is incorrect... the school has verified my full-time status as well. Please review attached photos of loan status ' and student status as reported by my school.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P. (KY)

XX/XX/XXXX To whom this May Concern, This item was purchased by a third-party debt collector. This account must be deleted as the status is not correct, the amount is not correct, and account was paid for less than owed by third party debt collector. As you can see by my attached report. This information is NOT CORRECT & NOT ACCURATE. There for it must be DELETED IMMEDIATELY. Here is the account name and number for reference and incorrect amount. LVNV account XXXX amount of XXXX How much did the collection company pay for this item? I dont know and neither does my credit report reflect such amounts. This is a clear violation of FCRA as this is not accurate or complete. DELETED THIS IMMEDIATELY! Thanks, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX Ky XXXX Last XXXX XXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation (NV)

Bridgecrest XXXX Violations of Privacy and Opt-Out Rights [ 15 U.S. Code 6802 ] : I am asserting that Bridgecrest failed to conspicuously disclose , in writing or electronically, the disclosure of nonpublic personal information to nonaffiliated third parties or credit reporting agencies. Furthermore, I was denied the due process and opportunity to opt out, a violation of Section 6802 of the U.S. Code. Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6802. - Obligations with respect to the disclosures of personal information. 15 USC 6802b - Opt out. A financial Institution may not disclose non-public personal information to a non-affiliated 3rd party, unless Under this law, the consumer must get 3 disclosures before that information can be exchanged, and the consumer must agree to it. Breakdown the unless portion- Disclosure A - Such financial institutions clearly and conspicuously disclose it to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this data that such information may be disclosed to such XXXX party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) XXXX XXXX - XXXX consumer is given the opportunity before the time that such information is initially disclosed to direct that such information not be disclosed to such XXXX party. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Disclosure C - The consumer is given an explanation of how the consumer can exercise that non-disclosure option of how the consumer can exercise that non-disclosure option. ( I was not provided with this disclosure, nor was I given an opportunity to authorize or decline. ) Bridgecrest is reporting on XXXX, XXXX and XXXX.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

My cell phone was stolen and the thief purchased crypto currency. I was able to get a police report. Sofi ( my bank ) said they found nothing wrong. I asked for information but they were not able to get anything to me based on their decision.
Consumer complaint received 2024-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC (CA)

This whole debacle with our home/mortgage with Shellpoint stemmed from Shellpoint offering a " Covid relief program '' as many lenders offered. As we approached the deadline, Shellpoint refused to answer any of my questions with regards to " what are we going to do next? '' Shellpoint offered over four different single point of contacts and each one of them still refused my numerous requests for help. 
Shellpoint started foreclosure proceedings and they also set an auction sale date. With the little money I had at that time was spent on real estate Attorney XXXX XXXX in XXXX XXXX. He, within five hours made Shellpoint stop any further actions on our property. Shellpoint then retaliated by giving us only one option and that option was " a take it or leave it modification '' that raised our payment over {$1100.00} per month, making it even harder for us to afford our house. At that time, I was XXXX years old and suffering from XXXX XXXX, in which, our beautiful home is equipped for my handicap. The only ones concerned with what was going on with us and our home, were my wife, myself and our family. Shellpoint showed no remorse whatsoever for what they did to us and could give a rats XXXX with regards to helping us. Not only did they raise our payment over {$1000.00} per month over the original payment of {$1800.00}, they also put in approximately {$130000.00} onto our mortgage balance, which raised it from {$220000.00} to nearly {$380000.00}. Shellpoint told us this was not a modification rather a forbearance that we never agreed to or signed. This is absolutely criminal, predatory and malicious in every way shape or form. This worry and stress has worsened my XXXX XXXX which has left me wheelchair bound. Does Shellpoint care? Absolutely not! Please help in anyway that you can and help us save most beautiful forever home. 

With sincere gratitude, XXXX and XXXX XXXX XXXX XXXX XXXX. 
XXXX, CA XXXX
Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

On XX/XX/year> I received a notification via email from Bank of American that I was approved for a credit card that I had never applied for. I immediately called Bank of America to see if a new account had been created for me. They confirmed that the credit card had been applied to under my name. They helped me to close the account and begin the fraud service on their end. I am not sure who opened the credit card for me
Consumer complaint received 2024-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TRUIST FINANCIAL CORPORATION (MD)

On XX/XX/2024 i used my Bank issued visa Credit Card to purchase XXXX - XXXX - {$200.00} gift card, & when i came home i proceeded to verify that the {$200.00} Dollar XXXX gift card was indeed valid, & Loaded with the {$200.00} that i actually gave the XXXX Cashier, & upon attempting to validate that the funds were placed on the card it was then that i realized that my Newly just purchased {$200.00} dollar XXXX gift card was in fact totally empty, & when i returned to the XXXX location to receive a refund i was then told by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that all sales pertaining to Gift cards were in fact final, & it was at that point that the XXXX XXXXXXXX accused me of theft even though i had purchased other gift cards at XXXX & some of them were good, & ready to be used & some of them were not i then called up my banks Credit Card department, & explained the issue, & the banks Credit Card Department mailed out a charge back form but i couldnt complete, & mail in the form because the ink on the XXXX store Receipt had totally disappeared, & i told the credit card department this, & the case was closed but the week of XX/XX/2024 i was able to Locate the XXXX XXXX XXXX purchase Receipt photo i actually took with my mobile phone, & i completed the Bank Credit Card charge back documents, & forms, & attachment all necessary documents & i brought it to my Local bank branch, & i handed it to the XXXX XXXX Banker he then uploaded it into the banks Computer system, & he gave me a copy of the transmittal Receipt i then called the bank on XX/XX/2024 which was the date i was told to call back, & i would then be given the credit card departments decision, & it was at that point i was told that my Credit card charge back request was denied, & that is when i started to seek out an alternative recourse, & solution
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

On XX/XX/2020 there was a " credit balance refund debit ' noted in the amount of {$940.00} made to my Visa account with Bank of America. 
No further communication or explanation from the bank was received. 
Alarmed, I went into Bank ( much to my chagren being a senior ) and was told I would be receiving a check in this amount. 
It was a refund from XXXX XXXX received in XXXX. 
Well, it is now XX/XX/2020 and I have yet to receive the money. 
Bank of America says they sent it by regular mail and I have to wait 15 Business days before they can stop payment. 
I am extremely dissatisfied with how this has been handled by the Bank of America and I therefore want to file a complaint.
Consumer complaint received 2024-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (PA)

My name is XXXX XXXX I need my funds in my account for my son XXXX XXXX or XXXX XXXX and XXXX XXXX for our income payment for ssi/ssa {$940.00} and ssa/ssi {$22.00} to be returned to social security administrators because yall close my account out on XXXX XXXX and social security administrator told me today the payment for XXXX or XXXX and me XXXX XXXX sent to yall on XX/XX/year> and they claim it was fully processed and I told them they closed the account on XX/XX/year> before yall send wells Fargo my son and my payment and they told me to contact yall and tell yall to send the payment back to social security administrator so they can reissued it to my new bank account for me and my son because we need it asp to pays bills and stuff the account number is XXXX etc. 
My name is XXXX XXXX XXXX and contact me at XXXX XXXX
Consumer complaint received 2024-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (GA)

There is a deadline to opt out of The SAVE program which has run into Federal road block.

I was informed that I could opt out and return to the Income Based Repayment play I was on before moving to SAVE. I was told that deadline is the XXXX of XXXX. I did try to get information as to how I can remain on income based repayment IBR. However all of the options to return to or reapply to the IBR plans are grayed out. Not clickable.

How ever my option to return to my previous IBR should remain Eligible because I notified them before the deadline.

The only email I got from Mohela was stating that they now have full access to our Social Security number. Im not sure why they need to put that information in an email.

There is no information which says whether SAVE will still survive as a IBR plan or not. Further, the current administration were to lose the election It appears that Borrowers will be in a major conundrum. 

Lastly, but very important, tax filers until the XXXX of XXXX every year to file Tax returns. Restarting the billing process prior to that will cause defaulting for millions of borrowers who may not receive all the necessary paper work to file before then.

This will manufacture default if you are billing above the income threshold before borrowers can file taxes showing their income is below the threshold.
Consumer complaint received 2024-08-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CO)

The loan servicers ( mohelas ) website no longer allows me to make payments, however, interest still accrues everyday. When I click on the Make a Payment link I get a message stating Due to the status of your account, please Contact Us for any account inquiries or document requests. 

I can not get past the aforementioned message to make payments. If I am unable to make payments due to Mohelas website dysfunction, I should absolutely not be charged interest for the duration of their service failure.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and XXXX XXXX compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and XXXX XXXX compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. 
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form SYNCB ( XXXX ) - ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-03
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: TD BANK US HOLDING COMPANY (GA)

TD Bank account for XXXX XXXX was moved to a new system. I can not access the web interface and when I call customer service I am placed on a 2 hour hold. This is unprofessional and unacceptable. If your system is not ready for the move then don't put it online. Customer Service will not answer my calls!!!