davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Fidelity National Financial, Inc (NM)

This company contacted me to pay for an appraisal and inspection and send my identification documents, the documents on the house I live and wanted to refinance with or without my mother to pay the " active collection on the stale debt of 2014 they bought in texas ) and they deceived and duress a senior to provide documents and do expensive reparis with the promise to release the lien and refinance the home we live in so that we can " cllear title '' and " keep our home ''. Then they hired an unlicensed collectyor who has a realtor license in california that sold or attempted to sell our title behind our back. causing title issues. The collector boasted that they ahve the " backing '' of XXXX XXXX XXXX  '' because XXXX owns 75 % of service link and they can do whatever including going against respa XXXX XXXX XXXX XXXX and collect cash for the banks even if secured XXXX XXXX XXXX XXXX military pensions are involved. They can " issue titles '' ad lib.
Consumer complaint received 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (GA)

XXXX XXXX XXXX, fraudulent credit report for service claims at a XXXX, Florida address, in XX/XX/XXXX, for {$1000.00}. I filed a complaint on this same issue with CFPB on XX/XX/XXXX, and against the Recovery Company listed in your records. All for the same fraudulent charges. It was removed. I've still have never been to Florida and I don't know anyone there. 
XXXX XXXX XXXX is now attempted to collect through a different collection agency that has posted this fraudulent debt on my credit report again in XX/XX/XXXX. This has a negative effect on my report. I spoke to the supervisor at the ( new ) current collection agency, ( Re : XXXX XXXX XXXX ), She stated that they have had the collection account since XXXX. I wasn't aware of this until XXXX, because I didn't pull my credit report last year. I'm filing another complaint against XXXX XXXX XXXX, to remove this fraudulent account from their records permanently, and to stop sending it to different collectors using my personal information. I'm also, requesting a complaint against the ( new ) current collection agency. I hope this is made public for the simple fact that we all need to check our credit reports yearly. A report like this can effect major purchases, interest rates, and employment.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc (TX)

XXXX XXXX {$XXXX} XX/XX/year> I have reached out to all these people requesting they take this off my credit, that this is not me. I have disputed claims which come back no action taken. I have also filed fraud on my information with the FTC
Consumer complaint received 2024-08-15
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: ProCollect, Inc. (LA)

On XX/XX/year>, I called Pro Collect about a debt that is owed in the amount of {$150.00}. I was told that no one there can help me and that I had to send an email to XXXX XXXX at XXXX. I was also told I needed to include my SSN in this email, which I WILL NOT. I sent the email with my account number that was given to me by the rep over the phone. Today is XX/XX/year> and there has not been XXXX response from " XXXX XXXX ''. I called Pro Collect again today and was told the same thing that only " XXXX XXXX '' can assist with my account and that I should email him again. This seems to be a stall tactic because why is there no way to pay this debt without me emailing people and wanting me to include my personal information in the email? Since I TRIED to pay this debt but given the run around, I demand this account be removed from all XXXX of my credit bureaus.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GLA Collection Company, Inc. (KY)

This number has called me daily multiple times a day in repeat always a robot and always leaves a voice mail for XXXX of XXXX I've reached out to simply inform them that I'm on the XXXX list and that further communication on this number is not prohibited.
Consumer complaint received 2024-08-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Keynote Consulting, Inc. (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-09-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I am filing this complaint because Navient has unjustly denied my application for a XXXX XXXX XXXX. Despite the XXXX XXXX XXXX XXXX XXXX being legally recognized for its predatory practices, and my federal loans being discharged under the Borrower Defense to Repayment ( BDTR ) program, Navient refuses to discharge my private loans. 

Navient has failed to provide a clear reason for the denial of my discharge application multiple times. I have submitted ample documentation proving the schools misconduct, and yet they responded by stating that their criteria are confidential and proprietary. This lack of transparency feels like a deliberate attempt to avoid discharging my loans. I believe Navient is prioritizing their financial interests over my legitimate claim for discharge, and I feel they are unjustly denying my application without any clear or fair explanation. 

Furthermore, the burden of over {$250000.00} in loans has severely impacted my mental health, career in the military, and my familys financial stability. It is deeply frustrating that Navient has not taken my documented evidence and circumstances into account. 

I am requesting that the CFPB investigate this issue and ensure that Navient provides a transparent and fair review of my application.
Consumer complaint received 2024-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MD)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2024-09-02
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. (MA)

I am a visctom of identity theft and I have asked and request for the credit agencies to ask the creditor to provide prrof of the claim they never did asked the creditor to provide proof of the claim they say they have my address and account information but they never say from who when I call them no one responded then i get another notification of harrasment saying I will be prosecuted how ever no court order this istuation is agravating I am running out of resources to hanle thos calmly I cant sue or prosecute them becuase the entity does not exist
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Atlanticus Services Corporation (MA)

XXXX XXXX XXXX XXXX XXXX for XXXX XXXX and XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a complaint against XXXX XXXX XXXX due to inaccurate and misleading information reported on my credit report and several violations of my consumer rights. 

Details of the Complaint : Inaccurate Credit Reporting : In XX/XX/year>, I made a payment to XXXX XXXX XXXX that brought my balance to {$51.00}. Following this, my account was closed. Despite this, XXXX continued to charge maintenance fees and late fees in XXXX, XXXX, and XXXX on the closed account. Reporting late payments on a closed account is misleading and damaging to my creditworthiness. 
Misleading Communications : XXXX failed to provide any formal written notice regarding the closure of my account. I only received conflicting information from customer service representatives, which further added to the confusion. 
Failure to Provide Notice of Adverse Action : XXXX has not provided the required notice of adverse action within XXXX  days of closing my account, which is a violation of the Equal Credit Opportunity Act ( ECOA ). 
Violations : Fair Credit Reporting Act ( FCRA ) : XXXX violated FCRA by reporting inaccurate information, including reporting late payments on a closed account and continuing to report balances on a closed account. 
XXXX XXXX XXXX : Aspires reporting practices are inconsistent with XXXX XXXX guidelines, particularly in terms of reporting a closed account with an active balance and inaccurate status codes. 
Truth in Lending Act ( XXXX ) : XXXX failed to provide accurate disclosures regarding the closure of my account and the fees being charged after the account was closed. 
Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Aspires inconsistent information and lack of transparency violate the Consumer Financial Protection Act 's UDAAP standards. 
Request for Resolution : I respectfully request the CFPB to investigate XXXX XXXX XXXX ' practices and compel them to : Cease reporting inaccurate information on my credit report. 
Correct the existing errors, including the removal of any late payments on the closed account. 
Provide a clear explanation and settlement of the debt at the original balance rate, if applicable. 
Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-08-14
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: Fidelity National Information Services, Inc. (FNIS) (GA)

I am filing this complaint against ChexSystems XXXX XXXX for their failure to conduct a proper investigation into my dispute regarding inaccurate information on my consumer report. Despite providing all necessary documentation and evidence, ChexSystems failed to correct the inaccuracies, leading to continued reporting of incorrect information. 

This failure to investigate properly has resulted in significant harm to my XXXX XXXX, financial standing, and has led to denials of credit and higher interest rates. ChexSystems actions, or lack thereof, constitute multiple violations of the Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681. 

The specific violations include : XXXX. Failure to conduct a reasonable investigation of my dispute, as required by 15 U.S.C. 1681i. 
XXXX. Continued reporting of inaccurate information, violating 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. 
XXXX. Potential civil liability under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance with FCRA requirements.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

So I had filed a dispute for a hotel I was staying in to my bank capital one, at which I had provided the photos of mold all over the house making it inhabitable my brother got sick so we left 5 days early, I thought that was more than enough to prove my case nope on the website XXXX XXXX they say its a no refund policy so trying to reason with them over a refund is ridiculous they say no on every turn, make bank then. Asked for multiple documents which no one can provide I told them that the website states no refunds so thats as to why I disputed the transaction I also talked to the merchant they said no, and as of today capital one has put my account negative.
Consumer complaint received 2023-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Acct # XXXX XXXX XXXX XXXX my credit limit was {$700.00} I was charge an additional XXXX after account was closed also same place Acct # XXXX my credit limit was {$400.00} I was charge another {$300.00} after account was closed I have rights 15 U.S.C 1681s 2 ( A ) ( 1 ) a person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I need both of these removed
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CHARLES SCHWAB CORPORATION, THE (IL)

schwab bank online schwab.com unavailable XX/XX/year> all morning. and not answering the phones. unable to access/move money. unacceptable. 

the response from schwab via cfpb did not address my concern in any way.

I wrote about a system outage affecting my access to schwab bank. the response addressed electronic trading and disclosures I signed off on for a brokerage account? 

and said nothing about why it happened and what they are doing to prevent future occurrence. 

this is unacceptable. 

previous un-addressed complaint XXXX
Consumer complaint received 2023-10-02
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. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-07-10
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. (NC)

I have sent letters to all three credit reporting companies informing them of accounts, address and numbers that's reporting on my credit report wasn't open by me and received letters back as the account verified, my letters was sent XXXX XXXX, and XX/XX/year> to XXXX, Experian, and XXXX. this matter is also stopping me from being able to move and XXXX a job with a new company due to bad credit.
Consumer complaint received 2024-08-15
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: ACIMA CREDIT, LLC (CO)

i sent a letter to ACIMA DIGITAL FKA SIMP in regards to to their negligent and inaccurate reporting on my consumer report on XX/XX/year>. They are still willfully reporting inaccurate information on my consumer report after being notified of the errors. They have confirmed that the alleged debt of {$640.00} on account # XXXX has indeed been charged off. It shall be understood per IRS publication 4681 that cancelled debt must be reported as " ordinary '' or " gross income. '' Income is clearly not " debt, '' nor can it be reported on a consumer report as a debt. ACIMA has been notified by me the consumer that their reporting is in fact inaccurate.
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc. (NV)

AARGON COLLECTION AGENCY. XXXX XXXX XXXX XXXX XXXX XXXX. Is breaking Federal Law on a daily basis by harrassing consumers with medical debts less than 180 days old contrary to Federal Law. I explained payments were made but they continued. Some payments were reflected but the letter they sent said they did not have an arrangement. The debt started XX/XX/year>. The collections started prior to XX/XX/year>. The final amount they harrassed me for was only XXXX.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

My account was closed for no reason, there were deposits made monthly as well as normal in branch visits. In most cases I was racially profiled and given a hard time in branch due to the simple fact they never mailed me my physical card. Even after reporting I didnt receive it, no one mailed me a new one or even offered & thats since Ive opened the account. Then after having money in the account and being charged a monthly fee they decide to close my account. Makes zero sense. Very unbiased decision based on race, because it cant be unusual activity I never had a card. I only made in branch withdrawals and very few transactions. So please explain
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (TX)

I recently went on a trip aboard at the beginning of XX/XX/year>. For a week I was aboard and I used my AMEX credit card for purchases. When I returned, I checked my online account and noticed each use of my card aboard had resulted in a XXXX  transaction fee, totalling over {$70.00}. I was not aware that using this card would result in these fees. I contacted AMEX to resolve the issue. I explained that I wasnt aware of foreign transaction fees on this card and had I been aware I would have used a different card on my trip. I requested a refund of the fees but AMEX would not do so. I attempted to escalate the situation to a supervisor and explained but AMEX would still not provide a refund.
Consumer complaint received 2024-08-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ASSOCIATED BANC-CORP (MO)

I made a transaction from XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/24 utilizing the XXXX platform thru my banking app under account ending in # XXXX for a payment amount of {$1200.00}. Not realizing I was sending to the wrong account I sent it to an account at Associated Bank https : //www.associatedbank.com/ with an account number ending in # XXXX. This account was closed last month, on XX/XX/24 as a forced close because of a negative balance for too long time. Because XXXX is instant, the money came out my account right away, and I received confirmation from both XXXX XXXXXXXX XXXX and Associated Bank that the payment had been sent and received. I have called both banks to rectify this and XXXX XXXX XXXX says they cant do anything because its instant, and associated has given 2 possible outcomes of what will happen, but that they can not even see record of this payment. I have even provided the conformation/aft authorization number as well as the trace number. I am receiving no answers from anyone. XXXX will not help as the payment was made through a partner bank and not the XXXX app. I would like to know where my money is because someone has it and I need to get it back.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (CA)

I reported a fraudulent usage of my card to discover card, they initially cancelled the then present card and issued me a new card, also returned all reported fraudulent charges. About 6 months later they returned those charges on my new card without any explanation. I called discovery many times to report this issue and also to complain about their findings, to no avail, rather i was asked to set up a payment plan. At this point, the account has been charged off and reported to the credit agencies. I have called and asked for this report to be deleted and reaccessed.
Consumer complaint received 2024-08-16
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Adjustment Service, Inc. (AR)

Between XX/XX/XXXX. XXXX and XXXX, XXXX a new account in collections was added to my credit report.15 U.S.C . 6802 states Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third partyany nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.. A financial institution may not disclose my non-public information without disclosing a notice to the consumer in writing or electronically and must give the consumer the opportunity to opt out before the time the information was disclosed, to direct such information may not be disclosed to such third party. 15 U.S Code 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of the section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Since I never got notice this should be removed off my credit report immediately.