davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-14
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Mercury Technologies, Inc. (CO)

Mercury banking and credit for businesses app told me that I was unable to get a business checking account through them, I have my ein and LLC filed, my personal credit score is a XXXX last it was pulled, and when I asked for the denial reasons, they told me the team that approves account requests follow many criteria but that they're not required to tell me that information and they won't reconsider the decision. I understood that it was illegal for any creditor to deny business funding due to discrimination.
Consumer complaint received 2024-10-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (PA)

I received a digital letter from Navient on XX/XX/year> that can be found on my Navient portal upon logging in. This letter denied me my application for the School Misconduct Discharge application that I had sent in the previous months and was periodically requesting updates on. Ironically, on XX/XX/year> I also got an update from Navient stating that on XX/XX/year> XXXX would be taking over my Student Loans. Odd. 

The denial of my application was very vague and essentially a default statement that doesn't specify why my School Misconduct Discharge application was denied ; despite me submitting tons of documentation, evidence from a community college I went to after attending XXXX XXXX XXXX XXXX, and answering or providing all the required questions/materials to my fullest potential. I called Navient 's hotline number specifically that directs to the School Misconduct Applications advocates and I was told the same generic reason as to why my application was denied and the customer service associate specifically told me to re-submit with more material, be as detailed as possible, and hand over any evidence or anything to help support the application process. Again, I already did this, I even went to lengths to provide evidence that the school I attended after The XXXX XXXX XXXX XXXX did not have credit transfers because XXXX XXXXXXXX XXXX XXXX is labeled as a non-credited institution, this letter was printed from the community college, signed, dated, and I attached my transcripts from the community college I attended after XXXX XXXXXXXX XXXX XXXX 

I want to ensure I am doing the correct things, and I am re-submitting my application with slightly more evidence, and a bit more detailed in the next day or two. I am submitting this because of the vague generic answer Navient gave me, and to ensure my private loans are discharged due to the misconduct of the Art Institutes that I was affected by and due to FTC Holder Rules.
Consumer complaint received 2024-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

I am writing to formally express my frustration with the ongoing difficulties in accessing my USAA account. Despite following your instructions and submitting all required documentation to verify my identity, I am still locked out of my account. When I called your customer service team as instructed, representatives were unable to verify me, leaving me without access or clear guidance on how to resolve the issue. 

Blocking access to my account raises not only customer service concerns but also potential legal issues under various laws and regulations : Electronic Fund Transfer Act ( EFTA ) and Regulation E : Under the EFTA, financial institutions are required to provide consumers with timely access to their funds and ensure transparency around account restrictions. If you are unjustifiably denying me access, this could violate my rights under these provisions. 

Fair Credit Reporting Act ( FCRA ) : If your inability to verify my identity is connected to the use of third-party information, such as identity verification through credit reporting agencies, improper handling or delays could constitute a violation of FCRA requirements for accuracy and fairness. 

Consumer Financial Protection Act ( CFPA ) : The CFPA prohibits unfair, deceptive, or abusive acts or practices by financial institutions. Making it unduly difficult for me to access my account or receive assistance without reasonable justification may be considered an unfair practice.

North Carolina Consumer Protection Act ( N.C. Gen. Stat. 75-1.1 ) : This law prohibits unfair or deceptive trade practices, including unreasonable barriers to accessing services or accounts. If USAAs actions in blocking your access are deemed unfair or unjustified, you could raise a complaint under this statute.

This situation has caused significant inconvenience and financial stress. I need immediate assistance to restore access to my account, along with an explanation of why my identity could not be verified, despite submitting the requested documents. If this issue is not promptly resolved, I may explore filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) or consider legal action.

Please escalate this matter to the appropriate department and provide me with a prompt resolution. I look forward to your swift response.
Consumer complaint received 2023-12-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

PER FCRA AS A FEDERAL PROTECTED CONSUMER I OPTING OUT OF ANY AND ALL AUTHORIZATIONS I THE CONSUMER MAY HAVE GIVEN YOU WRITTEN, UNWRITTEN, VERBAL AND NONVERBAL PER 15 USC 6802 WHICH IS EFFECTIVE IMMEDIATE AND INDEFINITELY
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CREDIT ACCEPTANCE CORPORATION (OH)

I have 11 out of 12 Hard inquiries that I have never signed any paper for. 

Someone has used my social security to apply for these inquiries. 

under FCRA I asked for the necessary information to prove that I I have signed paperwork with that company and theyve never responded.
Consumer complaint received 2024-09-03
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

I purchased a vacation package from the vendor 's website, which included a flight, an all-inclusive resort, and local transport. Before finalizing the purchase, I thoroughly reviewed the travel requirements and confirmed that we met all of them. 

However, a few days before traveling, I encountered issues when trying to add passenger details on the airline 's website. I discovered that my daughter 's passport was expiring in less than six months. Upon contacting the airline, I learned that they were incorrectly applying the travel requirements to her. 

I reached out to the vendor on XX/XX/2024, and they acknowledged that their airline partner was misapplying the travel requirements. Despite this, the vendor did not resolve the issue and compelled me to cancel the reservation. They did not issue a full refund, even though they were at fault and unable to resolve the issue with their airline partner. 

I raised a dispute with Bank of America about merchants inability to resolve the issue with their airline partner. However, the merchant provided false information, claiming that we canceled the reservation due to invalid travel documents and that the refund was processed according to the accepted policies. Based on this incorrect information, Bank of America denied my claim. 

I then requested Bank of America to reopen the claim and submitted proof that all my travel documents were valid and that I met all requirements. Despite this additional evidence, Bank of America again denied the claim, focusing only on the merchant 's cancellation policy and not on the fact that the merchants failure and false information led to the cancellation. 

TThe bank is overlooking the fact that the merchant forced the cancellation and provided misleading information about my documents, which were all valid and in compliance with the requirements outlined on the merchant 's website, as well as with travel agencies in both the US and XXXX. Given these circumstances, I respectfully request that you review the dispute impartially and reconsider the claim based on the accurate information and evidence I have provided. Thank you for your attention to this matter. 

I have submitted details about how I fulfill the travel requirements as outlined by the merchant on their website and copy of my daughters passport to the bank via fax and submitted with this request as well.
Consumer complaint received 2024-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (IN)

I spoke to a Bank Assistant Manager XXXX XXXX about a transaction and he said it would be fine if I keep the same debit card. I emailed the bank from my App to explain the history and the bank responded they do not know what this transaction is eventhough it was on my bank statement. They do not see it on their end. They further explained it could be a test transaction. My complaint is if the bank does not know it dies not appear to be alright. I asked several times by email to give the history to their higher management. I received the same responses. I asked was the transaction from my checking or debit card. I may be able to keep my account and get a new debit card. The transaction shows from my checking Account Number XXXX ( XX/XX/XXXX XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1.00} ). 

XXXX XXXX explained he blocked the Merchant from any future attempts. My complaint was could he give me some kind of receipt. He said to me to email Chase using my App. Again Chase explained they so not know the history. 

I need to use your office to submit this history to find if law enforcement should study the history? 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (TX)

I placed my first and only call on XX/XX/XXXX at XXXX XXXX to IQ Data International XXXX XXXX to discuss a debt that was placed in collections. The amount that was placed into collections totaled over {$2500.00}. I initially spoke with XXXX who advised my agent, XXXX, was not in the office that day. I inquired when she would be back in the office and XXXX refused to answer. She attempted to assist me by asking how much I could pay on the debt at the time. I advised I would like to attempt to settle the debt and she stated she would put in a couple requests and go from there. I asked again when XXXX would be in and she refused to answer. She then stated she would submit a Hardship Form for me, but I politely stated I did not want to do that at this time. She then became extremely combative and condescending saying I could not afford to pay my debt in full and immediately placed me on hold without consent or even stating she would be putting me on hold. She cold - transferred the call a different male representative who was even more disrespectful and combative and not forthcoming at all. He continued on to ask me what do you do for a living and stated this conversation is soo fun for nothing for him. As if debt collection is some sort of joke or that his job is entertainment for him. He falsely stated that an eviction was filed on me with an apartment complex in XXXX of XXXX. Which is completely untrue. An eviction was not filed with the any XXXX XXXX court precinct. He also falsely stated that I did not provide a 60 Day Written notice to the property, which is also untrue. I asked if he could provide any court documents showing an eviction was filed and a document showing no written communication was received to the property notifying of me moving out. He immediately disconnected the call. The reason he disconnected the call is because he knows those things he stated are lies. My lease was over on XX/XX/XXXX. I moved out of the property in XX/XX/XXXX. I did not renew my lease and the property manager, XXXX XXXX at Trails at XXXX was aware I was not renewing my lease. No eviction was filed and proper notice was provided. IQ Data representatives did not meet their company values standards at all.
Consumer complaint received 2024-09-26
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. (NY)

I am writing to you as the holder of Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : XXXX XXXX XXXX XXXX XXXX XXXX would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Consumer complaint received 2024-09-26
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. (NY)

These hard inquiries were not authorized by me and I will like them removed as soon as possible. 
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
Consumer complaint received 2024-10-18
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: TD BANK US HOLDING COMPANY (FL)

This company obtained by credit report without my permission on XX/XX/year>. This is a violation of my identity and I would like the inquiry removed from my credit report from all three credit reporting bureaus.
Consumer complaint received 2024-10-18
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: RoundPoint Mortgage Servicing LLC (NC)

My mortgage was sold to roundpoint mortgage in XXXX. I was not informed of the sale of my mortgage. My mortgage is set on automatic draft from a savings account. It wasn't until XX/XX/XXXX when I received a notice from XXXX of a credit change by XXXX. I immediately alerted the fraud department about the situation. After investigation, I uncovered it was a delinquency of 66 days by Roundpoint. I immediately went online to determine who roundpoint was. After continuous research, I found out that my mortgage was sold to roundpoint- despite any communication to me. Immediately called the customer service line and made a payment in full of {$13000.00} on XX/XX/XXXX ( the same day of this situation ). The payment was to cover XXXX, XXXX, and XXXX, bringing the account to current status. I have since called the company 13 times and submitted multiple letters stating no communication, and failure to notify under RESPA. You can look at my previous credit history which will show that I have never missed a payment. This made my credit score drop XXXX points, taking it from exceptional to fair. I have asked the company multiple times to make a goodwill adjustment. They have not made any efforts to correct the error.
Consumer complaint received 2024-09-25
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. (GA)

I am Inquiring about the Validy of XXXX XXXX XXXX XXXX XXXX that is Charged off on my Credit reports that is Constantly Misreporting Inaccuracies this account has been on my reporXXXX XXXX  years and charged off XXXX  years every month, Misreporting Active Payment History, Late inconsistent Balance Reporting, Reaging Debt due to stature of Imitation, unlawful Changes in Deliquency Dates which is violation of my Rights under FCRA XXXX am Demanding a Deletion of XXXX XXXX off My Credit Report
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am requesting your help in addressing an incorrect account on my credit report. This situation has damaged my reputation, and I urgently need your assistance. The mishandling of my credit report has caused me great distress, and the incorrect reporting has negatively impacted my reputation. It's imperative that these issues are resolved so I can live peacefully with my family.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Debt and Request for Validation Account : XXXX Dear Midland Credit Management , I am writing to formally dispute the debt referenced in your communication dated XXXX XXXX, 2024 I do not recognize this debt, and I believe there is an error. 
It has come to my attention that the debt in question was sold or transferred to your organization. However, I have not entered into any contractual agreement with Midland Credit Management, or its affiliates regarding this debt. As such, I do not believe I am legally obligated to pay this debt. 
Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of this debt. Please provide the following information within XXXX  days : 1. **Proof of Ownership** : Documentation showing that you legally own the debt, including any assignment or transfer agreements. 
2. **Original Agreement** : A copy of the original contract or agreement that I allegedly signed, which substantiates the debt. 
3. **Itemized Statement** : A detailed account of the debt, including the original amount, interest, fees, and any payments made. 
Furthermore, I request that all collection activities cease until this matter is resolved and the debt is properly validated. This includes reporting to credit bureaus, as well as phone calls and letters. 
Please be advised that if you can not provide the requested documentation, I expect the debt to be considered null and void. Any continued attempts to collect this debt without proper validation will be viewed as a violation of my rights under the FDCPA. 
I look forward to your prompt response
Consumer complaint received 2024-08-27
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (CA)

Customer service interactions are pushed too long with unrelated or unrequested scripts full of information that is not relevant to the prompts or related speech and can not be cut off with relevant commands. Persons continue such programmed harassment, if such is the case, with continuing to attempt to make comedic the bad experience witnessed, e.g. XX/XX/year> mocking the actual speech emitted along with silence from the person but not all other background noises to resemble the unresponsiveness of the prompts despite stating the relevant information needed to move on. Problem exists for over ten years, with customer service calls lasting usually up to one hour when such calls can be completed in less than five minutes and are with other companies.
Consumer complaint received 2024-08-20
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: CIBC BANCORP USA INC. (TX)

I was sent a check in the amount of {$14000.00} that was sent to me on behalf of XXXX XXXX Law Firm. On the receipt of the check it says XXXX and the address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX. I been calling all morning and have talked to several rude employees of this bank and I need help getting my issue resolved ASAP.