davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: LoanSnap, Inc. (CA)

We have requested to withdraw our funds at which time we were informed that we couldn't do so. 

We have requested back : interest to be paid. It has not been paid ; interest to be paid on 1099. It has not been paid ; audited financials to see where our money is. It has not been provided. 

We have been in communications with the CEO of LoanSnap XXXX XXXX, XXXX XXXX. To date he has not provided a repayment schedule or tell us where our money is. 

We were not informed it's in a LLC share. 

We were told that we could withdraw at any time and that it would take 2-3 days to receive our funds. We would also keep all the returns we earned. This was false. 

We were told that the funds do not sit on their balance sheet. They are tied to the mortgages they fund and are not subject to any other creditors. This is wildly inaccurate and misleading. It is true that the funds don't sit on XXXX 's balance sheets ( except as a loan asset ) because they loan it to LSI. 

We were told that the mortgages originated act as collateral for investors ' investment. LSI will never default, because Earn will never call its LOC due because Earn is controlled by LSI. 

We were told if mortgage buyers refuse to purchase the loan, it would take an additional week. Wildly misrepresentative. We demanded withdrawal / refund of our deposits on XX/XX/year> and we have yet to receive any money. LSI won't sell the loans at a loss unless we accept the loss according to XXXX XXXX. 

We were told all principal would still be returned. We were told we would close on the loan and sell the loan into a scratch and dent market and the loss of the loan would be incurred by LSI. This is 100 % contrary to what XXXX XXXX is now telling us. 

We were told if the loans are unable to be sold, does it mean we are only able to get principal back after the loan matures. This is what we want, what was promised to us. XXXX XXXX refuses to do so stating it's not how it works that our money is subject to loss of the specific mortgages made by LSI. 

A complaint has been filed with XXXX. The complaint ID is XXXX To date, LoanSnap owes us in excess of {>= $1,000,000} XXXX and XXXX XXXX No account number was given. It is under XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-07-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Student Loan Direct (VA)

Original balance {$3800.00} Current Balance {$4000.00} Account number XXXX Date opened XX/XX/XXXX Last payment date XXXX XXXX, XXXX I dispute the validity of this debit.The dates of the last payments are not matching as reported.It appears I have more late payment dates reported to the credit bureau.Please verify the information and delete it from my credit report. 
Thank You
Consumer complaint received 2024-07-20
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (NJ)

Strategic Financial Solutions promised legal representation as part of their debt management program. I notified them immediately when one of my creditors sued me and repeatedly contacted Strategic via phone and email asking for updates. I was told an attorney was assigned and was working on the case. Then a default plea was filed because Strategic and its providers never took action on the matter. After that they promised to resolve it. They again failed to take action. I was never notified of a court date or the final default judgment against me until I went sifting through files on their client portal. They did not provide representation, they did not attend court date, they did not even notify me of a court date even after they had the filings sent to their address and not my own. I had no way of knowing this was happening.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

On XX/XX/2023, I deposited {$1700.00} into the atm at Citizens bank in XXXX, RI. The ATM returned {$20.00} then said there was an error. The ATM tried to return the rest of the money and you could hear it trying but nothing came out. When I tried to ask it to return the money it said an error has occurred but no receipt came out or error paperwork. The money ( {$1600.00} ) was never credited to my account. I called the bank while at the ATM and they said they would call me within 24 hours. I never received a call. My boyfriend and I called on XX/XX/2023 and spoke with someone. They said no one was suppose to call us and they need to count the ATM. However, on XX/XX/2023, the branch where the error happened, a technician went to the atm that morning. So, they did send someone out there. I found this out by calling the branch on XX/XX/2023. I spoke with a supervisor at Citizens Customer Service named XXXX. He said they put an expedited claim in but they still havent contacted us or anything. We havent had our account credited or anything. We got the feeling that unless we really push this, we wont be returned the money. That money was from both our jobs and is meant for our bills that we are now late on. We called our car insurance to try and explain the situation. They understood but couldnt promise anything like our insurance lapsing. Which will cost us extra money. 
The atm has cameras so they should be able to see everything that happened in case there is an error with the atms software and it doesnt report the logs properly.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit Reporting act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have told XXXX, XXXX, and Equifax to investigate these accounts : XXXX  XXXX : XXXX and XXXX XXXX. However, they stated everything was complete and accurate. That can not be correct, because the date opened, delinquent payments, and remaining balance are inaccurate. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 802 A States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 It also states that a reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe the the information is inaccurate.

Also they aren't in compliance with metro 2 credit report. I have evidence to prove my case.
Consumer complaint received 2024-09-10
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

I took out loans with Navient to attend college. My grandmother cosigned the loans. It was clearly stated in the promissory note that if one of us passed away and there was an estate, they would take what was due in full. My grandmother passed away and had an estate with enough for the balance. I was told by Navient that they would be taking the balance of the loans from the estate. A family member called Navient and worked out a deal without my permission that they would only take XXXX percent of what was due and leave me with the remaining XXXX percent. I did not authorize this. I do not feel the debt is my responsibility since they were supposed to take the full amount due.
Consumer complaint received 2023-07-10
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I am a long time customer with JP Morgan Chase dating back to when they acquired my account from Washington Mutual in XXXX. I have had a safe deposit box that was free for over 10 years with them. They sent mail notices out stating they are instituting a {$65.00} box fee which I never saw. They are refusing to credit my account for the annual fee even though I will be removing my items from the box and closing the box now that I know regarding the changed policy and {$65.00} fee. I would like to report them for not trying to notify long time customer by other methods other than US mail which can be lost and not seen for various reasons.
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mobiloans, LLC (FL)

I have noticed a recent inquiries on my report I ordered a 3 credit report and realize someone has been trying to apply for credit card under my identity which I did not authorized. Identify theft report was completed and attached please remove these remarks from my report I did not authorize the following inquiries - XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXXXX/XX/XXXX - Mobiloansllc XX/XX/XXXX
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NV)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Consumer complaint received 2024-06-24
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-07-12
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group (KY)

I have been paying {$470.00} a month to the Law Offices of Derek Williams LLC ( formerly Infinite Law Group ) to help with debt I accrued, for the last 15 months. While with them, I have been sued ( they failed to appear in court ) and now have both a lien on my home and my entire paycheck has now been garnished as of today. I am out XXXX of dollars, and have only had one debt settled. I have begun handling all the repayments on my own, but am still out all of the money I have paid them, and am still waist deep in the debt they didn't help resolve. Their service is outright fraudulent.
Consumer complaint received 2024-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (TX)

XXXX XXXX was never the initial debt XXXX for the debt that was owed. I was sent a letter by Capital Accounts LLC back in XX/XX/XXXX that I owed {$590.00}. I was never notified by XXXX XXXX by mail or phone about them taking over this collection, even then, I tried to dispute Capital Accounts LLC in XX/XX/XXXX because the insurance company already paid the original creditor the " debt '' that was owed with a check on XX/XX/XXXX which the original creditor claimed they spoke with the company and told them that the account is closed. In disputing this debt again, they reported to the disputing company that the amount was verified prior to actually verifying with the original creditor. I was told instead that they placed my account on hold after the fact ( of the dispute ) and are waiting for the original creditor to respond to them about verifying the amount owed.
Consumer complaint received 2024-08-01
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: EQUIFAX, INC. (TX)

I find myself incredibly frustrated at the moment. As a result of identity theft, XXXX of my email accounts have been compromised in Equifax XXXX XXXX breach. This has led to a significant exposure of my personal documents, including my SSN, driver 's license, and private photos, all stored within XXXX 's services like email and XXXX. Such exposure was never solicited by me, yet it's having a detrimental impact, especially on my credit score. The situation has escalated to a level that is both unacceptable and distressing. I am earnestly seeking assistance to rectify this issue and remove the compromised information as swiftly as possible.
Consumer complaint received 2024-07-14
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Persolve, LLC - Legal - Series 2 (CA)

I was being sued by XXXX a credit card company from a company called persolve. I was given a option to pay in XXXX payments of over XXXX and they would take it off my credit report.Its been over a couple months and they have yet to respond to remove it.
Consumer complaint received 2024-07-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Education Principle Foundation (NY)

My son, XXXX XXXX attended the art is to shoot of XXXX for less than XXXX year. Someone in that school submitted annual loan request on my behalf and now my Credit report shows over {$100000.00} to that school thats impossible. Someone fraudulently signed my name and completed information without my consent and now its showing up on my credit report. No one has ever returned my calls and now Im just finding out it. The school is closed.
Consumer complaint received 2024-06-24
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. (WA)

Re : Letter to Remove Inaccurate information on credit report. I received a copy of my credit report and found the following item ( s ) to be in error : BANKRUPTCY REFERENCE # XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and deleted from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of your receipt of this letter and update my account as necessary. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months, including XXXX, XXXX and Equifax. Thank you for your time and help in this matter. 
XXXX XXXX.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (LA)

AFTER REVIEWING MY ANNUAL CREDIT REPORT BECAUSE MY INFORMATION WAS COMPROMISED IN A DATA BREACH WE NOTICED SEVERAL INQUIRES THAT WE DID NOT AUTHORIZE IN A ATTEMPT TO OPEN NEW ACCOUNTS AND ALSO SOME ACCOUNTS WE WERE NOT AWARE OF ON OUR CREDIT REPORT WE HAVE FILED A POLICE REPORT AND THEN NOTIFED THE IDENTITY THEIFT .GOV AND ALSO HAVE PLACED A FRAUD ALERT AT THE CREDIT BUREAUS AS OF TODAY
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

Hello, I would like you to help me remove this from my report. My credit is getting really bad because of this. 

XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX, New York XXXX XXXX - XXXX $ ( XXXX ) XXXX Account Name : XXXX  XXXX Account number : XXXX Balance {$75.00} Account Name : XXXXXXXX XXXX XXXX Account XXXX Balance {$0.00} Account Name : XXXX Account XXXX Balance {$0.00} INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Strategic Financial Solutions, LLC (KY)

I contacted XXXX XXXX XXXX for credit consolidation XX/XX/year>. I contracted with them to consolidate my credit and help to pay off all debt. They started taking payments of twice a month. I continued to receive calls from the creditors requesting payment. I advised I had started a credit consolidation with XXXX XXXX XXXX, I was told by all creditors that they have not received any letter or statement showing I was being represented by XXXX XXXX XXXX XXXX XXXX XXXX As of today no correspondence has been sent to any creditors and I am still being chaged interest on the amounts owed due to XXXX XXXX XXXX not doing what they were contracted to do. They did however take 40 % of the money taken in fees. Fees are for work done and there was not any done with my account. I am now in more debt due to the interest charges that were not handled.
Consumer complaint received 2024-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc (NM)

I sent money to Venmo Collections in error and I did not actually owe a debt to to Venmo. PayPal said the payment was successful to Venmo and Venmo is unable to find the payment. Neither company is able to locate the funds and return them back to me.
Consumer complaint received 2024-07-09
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JTM Capital Management, LLC (WA)

XX/XX/year> Called my Wife, XXXX, Myself looking for me to show proof of payment to this XXXX XXXX XXXX pay day loan i got from XXXX XXXX XXXX. 

Once i called they threatened me they are suing me for fraud and check fraud etc they were threating and scary to say the least. I told them i payed the debt to the collection agency last year they insisted i need to have a letter stating XXXX XXXX XXXX debt was exonerated. They told me my last XXXX digits of my socal secrity number made it real to me. 

I called the XXXX XXXX XXXX and they provided collections number i called them they were closed. 

This morning i called JTM Capitol Management they were busy so i left a message and the called me back and they confirmed i was XXXX scammed and XXXX XXXX XXXX XXXX were dropped 5 years ago i had noting to worry about.
Consumer complaint received 2024-07-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Source Receivables Management LLC (FL)

Please be advised that I hereby dispute the validity of the above listed alleged debt in its entirety. I requested verification/validation of the alleged debt and specifically request a copy of a contract agreement signed by the alleged original creditor and all parties to any such contract provided. I also requested a copy or agreement with my wet ink signature on it, proof SOURCE RECEIVABLES is contracted and allowed to collect on this alleged debt per 15 U.S. Code 1692a ( 6 ). Also, requested was proof this alleged debt was sold to you per 15 U.S. Code 1692a ( 4 ). Section 1682G ( B ) of the FCRA states the consumer has rights to request the proof of the chain of title of ownership of any alleged debt reported on a consumers credit report. On XX/XX/XXXX this third party collection company stated in response to a CFPB XXXX that Source Receivables Management was hired by XXXX to collect on the past due balance of {$940.00} for the account ending in XXXX. This account was placed in our office on XX/XX/XXXX and we mailed validation of the debt on XX/XX/XXXX. This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. PER 15 U.S Code 1692e states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This company wasnt in fact hired by T-Mobile. I fear this collection company is using illegal, unfair and abusive practices to collect on alleged debt per 15 U.S. Code 1692a/15 U.S. Code 1692f. This collection company is violating my consumer rights. On XX/XX/XXXX, I sent a letter to this collection company stating any communication with me without proper validation of this alleged debt will be considered as harassment per 15 U.S. CODE 1692d. This company reached back out to me on XX/XX/XXXX to send me only a T-mobile invoice which validates nothing.