davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I left XXXX 13 years ago, homeless. I am receiving XXXX calls a day from Portfolio Recovery, they use about XXXX phone numbers. Never telling me what they want. I let them go to voicemail. Not XXXX message left. Its becoming harrasment. I m on disablility. I want them to leave me alone. I had a credit card with a balance, but I dont know if im correct...... .The state of Illinois statue XXXX limitations is 10 years. It looks like my debt was bought out by this company.
Consumer complaint received 2024-08-12
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: GOLDMAN SACHS BANK USA (NY)

I received an email that {$69.00} was added back on XXXX when this was resolved months ago. The transaction that was being disputed was from XXXX on XX/XX/XXXX. This should be refunded completely as I never received the order. I think there is confusion as I made another XXXX order for the same amount on XX/XX/XXXX. The XX/XX/XXXX purchase was received & I returned part of the order with no issue. The XX/XX/XXXX purchase the company refused to refund even though I never received the order & it was found by Goldman Sachs months ago that the dispute was approved in my favor & I would be refunded the full amount.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

I just purchased my home in XXXX and my mortgage company has sold my loan to Shellpoint Mortgage. Shellpoint has sent me a demand letter stating they find my deductible amounts unacceptable and advising me to address the issue or face Lender Placed Insurance. I spoke to my insurance broker and he said what they are doing is not legal and that my insurance meets their demands. Very specifically he states The initial lender accepted as is, AND your true windstorm deductible is only {$2500.00}. The XXXX XXXX XXXX XXXX deductible only applies if a named hurricane causes damage. 


Shellpoint has had several class action lawsuits brought against them for similar practices in the past and they have always been found guilty. I feel strongly they are attempting to shake me down for an LPI event to squeeze more money out of me.
Consumer complaint received 2023-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

I retrieved my credit scoring in an attempt to familiarize myself with what it was and whats on it before purchasing a home. Upon inspection I seen several accounts, names, phone numbers and addresses that didnt belong to me. I reached out to each company who just investigated the issue with the updated info I provided them during the dispute to make the accounts seem accurate. This is discrimination against me because of the discrepancies are making it hard for me to begin the process of owning my own home for my family and I. I have not supplied proof under the doctrine of the estoppel by silence, Engelhardt v. Gravens 281 SW 715719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2024-08-12
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 declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2024-08-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

I submitted an application to be placed on SAVE repayment plan. I followed all guidelines for the application on the student financial aid website. My application was signed and uploaded as a XXXX which the loan provider states they accept. I received an email from Nelnet that they will not process my application because it wasn't signed. This is false, the documents were signed and all aspects of the application were checked before submitting. 

I believe this is a thinly veiled attempt to deny my application without just cause.
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (IN)

On XXXX XXXX XXXX, my Social Security check was deposited in my account. On XXXX XXXX XXXX, wrote check for {$1000.00}, to pay rent. XXXX XXXX XXXX, check, returned because a hold was placed for {$370.00}, then taken off. Was not told the check was not honored until XXXX XXXX XXXX. I have received the statement for that month but, the bank is unable to forward the statement that has the {$370.00}, hold placed on it. I have made three cause attempting to print it out. It has taken as much XXXX for customer service to retrieve. I need that document to take to eviction court in Indiana.
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Resurgent Capital Services L.P. (OH)

I am formally demanding that LVNV Funding LLC immediately cease and desist all communication with me regarding the alleged debt. This demand includes the deletion of any negative information related to this debt from my consumer reports. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), a consumer has the right to request a debt collector cease further communication. Moreover, a consumer report is considered a " medium of communication '' as established in the case XXXX XXXX  XXXX XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX  ). In this case, the court confirmed that a credit report falls under the definition of a medium of communication. Therefore, the continued reporting of this debt on my consumer report violates my rights under the FDCPA. I expect immediate action to rectify this issue.
Consumer complaint received 2024-08-12
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: General Motors Financial Company, Inc. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX  XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. GM FINANCIAL Balance {$32000.00}, as well as XXXX XXXX XXXX balance {$73000.00}.
Consumer complaint received 2024-08-12
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: Spring Oaks Capital, LLC (IL)

I'm writing to communicate my XXXX  with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be completely researched. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and impeding my capacity to carry on with an ordinary life. The adverse consequences of these mistakes have caused huge difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is happening straightaway. I mercifully demand that you direct an exhaustive examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and redress my credit report right away. With your assistance, I desire to reestablish the exactness and uprightness of my credit record so I might recover command over my monetary prosperity. I truly encourage you to offer this matter your most extreme consideration and make a quick move. Your collaboration and backing in settling this issue expeditiously would be enormously valuable. Much thanks to you ahead of time for your comprehension and help.
Consumer complaint received 2024-08-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Bank Of America XX/XX/XXXX XXXX Account charged off. {$6900.00} written off. {$6900.00} past due as of XX/XX/XXXX. 
XX/XX/XXXX {$6900.00} XX/XX/XXXX XX/XX/XXXX {$4000.00} {$6900.00} I wanted to dispute the cards and I couldnt
Consumer complaint received 2024-08-11
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

XXXX an individual opened a credit card with my personal information in capital one ( venture card ) after receiving the email immediately contacted capital one asking to cancel the card. Wasnt aware of this I am not the one who opened the account. Capital one sent me a letter stating they will investigate an subsequently sent a letter of closure. They have failed to, do, so,
Consumer complaint received 2024-08-12
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (VA)

I sent a previous complaint on Transworld systems on a debt they are reporting to my credit report that is not mine, it's in my name at an address I have never been associated with, I have told them this multiple times, after i made the first complaint I received a letter stating they would close the account and stop reporting the negative item. This was XX/XX/year> to date they are still reporting the item and did not remove it. I literally spoke to 15 reps and 4 managers all who assured me this would be rectified, one rep even stated she would send an email to XXXX XXXX, I have sent an email to him to and he never responds back. This should not be against my credit and apparently Transworld Systems is not following what they said they would do.I need this removed immediately
Consumer complaint received 2024-08-12
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: WELLS FARGO & COMPANY (UT)

I had gotten scammed out of XXXX from a XXXX transaction. 
On Wednesday XX/XX/year> at XXXX XXXX  from a company called XXXX an XXXX XXXX in the amount of XXXX and another transaction in the amount of XXXX dollars on XXXX XXXX I did go to the bank but got the run around and the lady at Wells Fargo said I would receive the total amount for XXXX in 10 business days but when I would call the bank or go in person I just got put in on hold or got told sorry we cant help you
Consumer complaint received 2024-07-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (GA)

Consumer Name : XXXX XXXX XXXX Social Security XXXX Consumer Date of Birth : XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that Experian block the information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at These fraudulent accounts consists of a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and I C System on XX/XX/XXXX under the account number XXXX. I also noticed these fraudulent auto loans and finances accounts from XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXX and XXXX XXXX opened on XX/XX/XXXX, XXXX.These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries any reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (FL)

I made two purchases under two separate account with Affirm. They were the interest free lender for the purchases. I provided them my business checking account number and routing number to set up auto pay multiple times. The autopayments continued to fail and they claimed my account was closed which was not accurate. I did everything they asked me to do. Delete info online and resubmit. Make payments over the phone. Send them account statements to prove that my account was not closed. They still failed to process payment and both of my accounts were past due and reported delinquent to the credit bureau. I disputed and they said my accounts were closed which was not correct. My account has been open for years and has never been closed. Daily transactions on my statements attached prove that. I later was told to use a debit card which I did tied to the same account which worked but it was after my accounts were past due and reported late and delinquent to the credit bureau. I am not current thanks to the debit card processing but the late payments were not eliminated. My credit score has suffered.
Consumer complaint received 2024-08-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: AES/PHEAA (MO)

There has been regular communication with AES, my attorney XXXX XXXX and myself since XX/XX/year> related to AES not providing documents that support the loans meet the criteria of 11 USC 523 ( a ) ( 8 ) of the Bankruptcy Code to be considered non-dischargeable after the completion of a XXXX XXXX  payment plan and received a discharge of debt. My attorney sent them a letter stating this on XX/XX/year> via mail and fax, I also sent this same documentation through certified mail. Our position is that the loans were originally made by a private lender, XXXX XXXX XXXX XXXX and the loans were not funded, in whole or in part, by a governmental unit or non-profit institution as required by 11 USC 523 ( a ) ( 8 ) ( A ) ( i ) to be non-dischargeable. The two proofs of claim do not show any information to meet the requirements to be non-dischargeable. They have not responded with any communication or documentation, yet I still receive phone calls, and past due bills while they continue to turn this into the credit bureau.
Consumer complaint received 2024-08-11
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Mandarich Law Group, LLP (CA)

Mandarich Law is suing and attempting to collect on a debt they are not even associated with. They refuse to provide a Debt Validation Letter and keep telling me to pay them, or they will come after my VA benefits. Those benefits are protected. Its very simple : provide a Debt Validation Letter, and we can go from there. Mandarich Law is neither the original creditor nor the creditor associated with my account. They are looking at a debt that is either paid off or settled
Consumer complaint received 2024-08-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

FYI I sent 2 of this letter to this company and never has a response fro them To : MIDLAND CREDIT MANAGEMEN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX Re Acct # XXXX This letter is my second letter regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " VALIDATION that is competent evidence bearing my signature and or any type of ID showing that I have ( or ever had ) some contractual obligation to pay you. I am also requesting any type of document that proves your company has the authority to collect debts in my state. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] if you can not validate the debt, you must request that all credit reporting agencies delete the entry ASAP. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$10000.00} in damages for : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. 

Thank you in advance for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA (MN)

I received a message from XXXX XXXX about a new account that has been added. It came from MOHELA it added on XXXX in XXXX  loans. I disputed this and will be contacting the company. I havent been to XXXX  in years. I dont who is in debt for XXXX but it is not me. This is very fraudulent activity. I would like for them to be held accountable and remove this off my credit! It says the account was opened XXXX XXXX I have no clue on why this has happened. I havent stated XXXX  or been to XXXX  in years!
Consumer complaint received 2024-08-11
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc (NC)

XXXX XXXX I tried to mobile deposit a legitimate payroll check. Chime bank could give NO REASON for them not accepting the check. Since they have no brick and mortar presence I was left holding a check with no way to cash it deposit it without significant cost to me. 

Additionally, Chime has been withholding XXXX direct deposits and offering no information about the delay to it's customers. Week of XX/XX/XXXX. 

They are a scam bank with zero customer service.
Consumer complaint received 2024-08-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (NC)

XXXX direct deposit was not deposited on its usual time/day. Chime agents could not tell me why or how long until they get it fixed. Its been 3 days now with no money, no communication, and no estimated timeline of receiving my direct deposit. 

( Other coworkers with other banking institutions received their direct deposits as usual ).
Consumer complaint received 2024-08-11
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 (NY)

I usually receive a lot of notification from XXXX XXXX and also XXXX about 43 inquiries in my credit report i already report that with them cause i didn't give my information to them so i want to remove all the inquiries.