davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation (VA)

In accordance with the Fair Credit Reporting act, this creditor had violated my rights under 15 U.S.Code 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 B a creditor may not treat a payment on credit card account under an open consumer credit plan as late for any purpose.
Consumer complaint received 2019-07-11
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. (IL)

TO WHOM IT MAY CONCERN EXPERIAN HAVE NEGATIVE INFORMATON REPORTING TO MY CREDIT FILE WHERE I NEVER HAD THESE AQCCOUNT AND IF YOU LOOK AT MY CREDIT REPORT XXXX  AND XXXX ARE NOT REPORTING ANY NEGATIVE ITEMS WHERE DID THIS COME FROM MAYBE THESE YOU GUYS ARE REPORTING SOMEONE ELSE INFORMATION,
Consumer complaint received 2019-07-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EQUIFAX, INC. (CA)

I consolidated my loan back in XXXX of 2017 with DEPTEDXXXX. The payment was in forbearance, because I was not sure how I was going to pay the monthly amount. Being that I was a young inexperience millennial, I kept delaying to figure out how I was going about paying my monthly payment. Then I just started a job paying about {$18.00} an hour, but couldn't figure the entire loan set up. Now I have a more stable financial situation, I am currently working on a payment plan with DEPTEDXXXX.
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (AL)

This account XXXX XXXX  XXXX is beyond XXXX years old and is reporting on my account. The company continues to report the account as Charged Off and Past Due in the comments with a new date. Please remove this account from my report immediately.
Consumer complaint received 2019-07-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CA)

I consolidated my loan back in XX/XX/2017 with DEPTEDNELNET. The payment was in forbearance, because I was not sure how I was going to pay the monthly amount. Being that I was a young inexperience millennial, I kept delaying to figure out how I was going about paying my monthly payment. Then I just started a job paying about {$18.00} an hour, but couldn't figure the entire loan set up. Now I have a more stable financial situation, I am currently working on a payment plan with DEPTEDNELNET.
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Dear XXXX, I am writing to seek clarification on a statement made in your response to my Consumer Financial Protection Bureau ( CFPB ) complaint # XXXX, dated XX/XX/2024, regarding my request to cease all communications related to the account referenced above. 

In your letter, you stated, " We found we have honored the request to cease all communications regarding the XXXX account unless otherwise permitted or required by applicable law. '' Given the documented twelve instances of phone calls received from XXXX after my cease-and-desist request, I am seeking an explanation of the specific legal provisions that you believe permit or require such continued communication. 

To ensure a clear understanding and proper resolution of this matter, please provide detailed information on the following : 1. Permitted Communications : Identify the specific legal provisions or statutes that XXXX relies upon to justify any communication made after receiving a written cease-and-desist request. 

2. Required Communications : Outline any legal obligations that may mandate XXXX to continue communication despite a cease-and-desist request, including the nature and purpose of such communications. 

3. Compliance Measures : Describe the measures XXXX has in place to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692c ( c ), and any relevant Georgia state laws, particularly regarding cease-and-desist requests.

4. Communication Records : Provide documentation and records of the specific communications made after my cease-and-desist request that XXXX believes are permitted or required by law. 

Your prompt response to this clarification request is essential for understanding XXXX 's position and ensuring that all legal rights and obligations are fully respected. Please respond in writing within ten ( 10 ) days from the date of this letter. 

Thank you for your attention to this matter. I look forward to your prompt and detailed response. 

Sincerely,
Consumer complaint received 2024-07-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation (WA)

I have XXXX, another new one over this past Saturday, fraudulent charges on my account. I completed the process of reporting fraud, received new cards, however, Albert will not return my funds though I never made the transaction. Their finds are not accurate, because I am aware of my balance and report fraud charges on my account, I do not get my money back? How is that right? I have reached put to Albert and they only allow texting, can not speak to a person, especially about fraud, all through text. It's not right! However, what's not right is my hard earned money is not coming back to me and yet I never made the charges I am submitting for and have disputed.
Consumer complaint received 2024-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (NY)

I had a warranty membership with XXXX XXXX which i cancelled in XXXX by speaking with a customer care agent i was told in more than one conversation that i would not be billed and the membership was cancelled I even cancelled the credit card and they are still billing me
Consumer complaint received 2024-07-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Credit Karma (GA)

XX/XX/year> for {$4600.00}. I filled a dispute, I gave the company a police report and also a reference number and information from the company where the transactions took place, all this information showing them it wasnt me. Also hospital papers showing them I was hospitalized having my newborn baby. Also I appealed this dispute about XXXX times and they never even tried to look at the information Ive gave them.
Consumer complaint received 2024-07-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AUSSRQ Holdings, LLC (FL)

Oliphant USA LLC This company has caused me a lot of stress because of what they are reporting on my credit report which is inaccurate information on my credit profile along with the furnisher!!!! I have had difficulty obtaining loans which results in Adverse Action because of what the credit bureaus are reporting on my credit profile along with this Debt Collector, 15 USC 1681FCRA states ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : per violation 15 USC 1692k 813. Civil Liability ( a ) Amount of damages, 15 USC 1692k section ( 2 ) is {$1000.00} per violation! This company has caused me many problems, I can't get good rates on insurance or credit or a loan!!! I want this derogatory information removed from my credit profile because I did not give consent per 15 USC 1681 ( a ), ( 1 ), ( 4 ), ( b ) compensate me for the violation. Update my credit profile, I want Everything in writing also the investigation 15 USC 1681j 12 CFR Part 1022, Subpart N, ( C ) Nation-wide specialty consumer reporting agency, 15 USC 1681i ( iii ), ( 7 ) Description of reinvestigation procedure no later than 15 days ( 8 ) Expedited dispute resolution ( e ) Treatment of complaints and report to congress, it's not accurate 15 USC 1681 ( a ) Accuracy and fairness of credit reporting.
Consumer complaint received 2024-07-11
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (DC)

Citi bank promotes its credit card at the time on the XXXX XXXX website encouraging you to sign up and receive a {$250.00} statement credit when you make a purchase today. I completed the application and was approved. I clicked the icon to receive the temporary card number to make my purchase today and the website asked for a code theyd text to me. I put that in and the system said it was correct but then instead of displaying my temporary card number, they just load my account home page. I have no way to use this new card today to make the purchase. I called and requested the temporary card number and was told no one can provide me with it for data safety. This is a bait and switch. The offer was to save {$250.00} by applying and booking today but I am now being told I need to wait for the physical card to arrive to make the purchase. I am not able to wait for the card because I was booking travel for next week. I also shouldnt have to wait 10 days as airfare increases as time passes ; if someone reads and offer to save {$250.00} today, they shouldnt then have to wait 10 days to make that purchase. The statement credit is only valid after you make a purchase for XXXX XXXX airfare.
Consumer complaint received 2024-05-28
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: Experian Information Solutions Inc. (FL)

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX FIFTH THIRD BANK NA XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XX/XX/XXXX
Consumer complaint received 2023-04-18
Product: Credit card or prepaid 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: CITIBANK, N.A. (TX)

I opened a dispute with Citi for a charge that was initially completed in XX/XX/XXXX for custom furniture. The merchant misled me and never delivered the furniture. I was seeking my deposit back since the merchant agreed to refund me in early XXXX. The merchant ultimately told me to file a chargeback to get my funds back. I initiated the dispute on XX/XX/XXXX for {$1400.00}. The merchant was contacted on XX/XX/XXXX and credit was issued to my credit card account. The merchant responded on XX/XX/XXXX and I followed up with the bank to confirm they would reach out to me to get more details. I followed up on XX/XX/XXXX at XXXX CST and was told the bank would reach out to me to confirm the merchandise was not delivered. On XX/XX/XXXX at XXXX CST I called the bank again after I notice the dispute was moved to resolved. I asked the dispute agent why was it showing customer responsible. The agent told me that while that status was being reflected, that the credit would be permanent as a gesture of goodwill. I repeatedly ask the agent I was speaking to reconfirm that was true and he assured me multiple times that credit was permanent. I was advised Citi would pursue the claim to get " their money '' back. On XX/XX/XXXX, the credit was reversed and I was told the previous agent should not have told me that. I am asking Citi to stand behind their promises they clearly misled me on. They told me on XX/XX/XXXX they would follow up to confirm the merchandise was or was not received and they never did. They promised my reversal credit was permanent and the next business day it was reversed. I have continued the dispute process and emailed the requested documentation on XX/XX/XXXX to continue the dispute as the merchandise is still not in my possession. I added more context to my email on XX/XX/XXXX but the bank has not acknowledged my email nor has not had someone reach out about their agent on XX/XX/XXXX promising to make my credit permanent.
Consumer complaint received 2024-07-14
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: Crown Asset Management, LLC, Duluth, GA Branch (VA)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-07-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Shellpoint Partners, LLC (NJ)

Specialized Loan Servicing LLC is threatening to foreclose on my property and reported it on my credit report. The alleged debt was transferred to Specialized Loan Servicing LLC by XXXX XXXX XXXX. While Specialized Loan Servicing LLC filed pre-foreclosure proceedings on me, XXXX XXXX XXXXXXXX XXXX XXXX is now the new name for Specialized Loan Servicing LLC . XXXX XXXX XXXX Mortgage Servicing is licensed as a debt collector in New York and is the servicer for XXXX XXXX which is not the original creditor but purchase the alleged debt. The original creditors XXXX XXXX XXXX XXXX XXXX, has charged off the debt as well as XXXX XXXX and since the debt has been charged-off it's considered income and income must be removed from my credit report according to the IRS.
Consumer complaint received 2024-07-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (FL)

I've had a mortgage with HSBC since XX/XX/year> when I purchased my home during the real estate bubble for {$210000.00}. I've owned this home for 18 years and as of today, HSBC is stating my unpaid principal balance is {$180000.00}. That means for 18 years I've only paid less than {$32000.00}. I would like to have HSBC investigated for fraudulent and predatory lending practices.
Consumer complaint received 2022-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

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

Account name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (GA)

Also, I was XXXX out. My account had got overdrafted because there was fraudulent charges made on my debit card when I was notified when I got back about the situation we did the dispute. They received the police report and I won the dispute so my account was overdraft, took the money that I won from the dispute and used it to pay back the overdraft even though it was fraudulent and thats why it was overdrafted they charge me {$400.00} in fees as well and I was told that XXXX XXXX they are supposed to say and rule it out as fraud and erase the overdraft but instead they took almost XXXX of my money to pay the overdraft even though it was fraudulent and I did win the case, they said they were sending me my money of the {$2600.00} never received it. 


2nd Issue I closed my account with US BANK and they sent me a letter saying that I was going to get my check. I have not received that check or my money every time I get on the phone with them they try to figure out where the check is or they try to figure out Different things and they have still yet to give me my money from my account. Also they use my money to pay off a fraudulent charge that was on my account which someone use my card and I was away XXXX XXXX XXXX and made my account overdraft and for that, I had owed like {$700.00} and they used my money after I won the case to pay off the balance that was due which shouldnt have been even due because it was fraudulent in the first place and I have yet to get my money They sent me XXXX email every time I call the branch manager and the associate no one ever answers. They dont ever call me back. Email me back every time I get on the phone I go through XXXX different people and keep getting transferred and then when they finally finally find my check or whatever else, then Im on the phone and then I get disconnected and I have to start the process all over again.
Consumer complaint received 2024-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC (FL)

In XXXX  we had to get attorneys to get modification.After we no longer had attorneys because modification was approved and we started making payments SLS added advance fees to our modification.l wrote a letter twice and called to try to get these fees removed they would not.I know this was a Breach of our modification and they should be held accountable if a borrower breach a mortgage these big companies can foreclose so they should be held also.l realized this year that our mortgage is going up every 3 months from my credit report SLS stopped sending us statements about 3 years but on calm the escrow statements it still say our rate is XXXX but l do not believe it, l do mot see our rate on the statement from XXXX.Our next rate change will be XXXX they are trying to price us out of our home.Our escrow is now over XXXX and l know that can not be right.l wanted to get our own insurance in XXXX and SLS rep said l had to pay for the whole year which l could not do so they placed high lender placed insurance.l do not know our rate it was supposed to be XXXX fixed but they stopped sending us out statements about 3 years ago.l want a mortgage audit done.On the front of our modification agreement there are XXXX where fees are so they really breached our modification.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

In accordance with the Fair Credit reporting act, the list of the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX  no XXXX XXXX XXXX Acct no XXXX XXXX card Acct no XXXX XXXX XXXX Acct no XXXXXXXX XXXX XXXX XXXX  Acct no XXXX They have violated my rights.

15 USC 1681 section 602 A section 602 A. States I have a right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a count without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-07-11
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO Bank, N.A. (ME)

XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/XXXX BMO Bank XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Promotional Offer To Whom it May Concern : On or about XX/XX/XXXX, I applied for a Relationship Checking online in response to a promotional offer to get a {$400.00} cash bonus. I was unable to attach the promotional code during the application due to errors on the bmoXXXX website. The code was attached by Sans via telephone on XX/XX/XXXX. 
When the bonus did not post, I contacted XXXX via chat on XX/XX/XXXX. She stated that the code was not attached by the previous agent. She agreed to pay the bonus and waive the monthly fees. 
As of today, I have not been paid anything. 
Please pay the advertised {$400.00} bonus and refund {$75.00} in fees that were charged in error. 
Sincerely, XXXX XXXX
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

Company XXXX, XXXX  are trying to collect a debt that has been fraudulently sold around two times by Kohls with no evidence that I owe this debt. I have asked for validation by way of contract because I do not owe are remember this debt. Kohls is also attempting to collect the debt by Reporting it and damaging my credit to the Credit Bureaus. And must cease and desist all attempts. 
I have attached a validation of debt letter to the response of XXXX, XXXX  validation request which was dated XX/XX/2020.
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They responded with a copy of a statement that is completely false, and that has a {$0.00} balance for the past 7 years I have been disputing it! You guys are responsible as well - I have reached out to you numerous times and nothing ever was done! You overlooked this violation just as the collection agencies do! Fraud!