davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-14
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

I have been reaching out to Navient for almost 10 years asking for some sort of relief. All they have done is place me into interest only payments after I no longer qualified for forbearance. My private loans pertained to XXXX University which was closed for predatory practices. My Federal students loans have been discharged for predatory practices ; but Navient keeps saying that my private loans do not qualify for this program. When in fact they qualify under the Holder Rule. 

Over the last 10 yrs I have paid over $ XXXX in interest only payment and currently owe $ XXXX with no relief in site. Why do the private loans not qualify when Navient has done everything they can to prevent me from being able to pay these loans off. 

I have asked how I can get the co-signer off, that was a lie because they keep telling me I can not. Yet, when my cosigners signed for me they said after XXXX consecutive years of making payments I can remove them. 

Right now they currently have my payment at {$640.00} a month, for just interest. Regular payments would be almost XXXX. I can not purchase a home and i struggle to make the income only payment for a degree that does not mean anything.
Consumer complaint received 2024-09-21
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc. (KS)

The relevant law regarding debt collection practices in the U.S. is the Fair Debt Collection Practices Act ( FDCPA ), found in Title 15 of the U.S. Code, Sections 1692 to 1692p. Specifically, Section 1692c prohibits debt collectors from communicating with third parties, including minors, without the consent of the debtor. For detailed information, you can refer to 15 U.S.C. 1692.

They have contacted my family member to collect the debt The code governing the validation of debt is found in the Fair Debt Collection Practices Act ( FDCPA ), specifically in 15 U.S.C. 1692g. This section requires debt collectors to provide a written notice to the consumer within five days of initial contact, detailing the amount of the debt, the name of the creditor, and informing the consumer of their right to dispute the debt. If the consumer disputes the debt, the collector must provide verification before continuing collection efforts. 




I am writing to formally dispute the validity of the debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), I request that you provide me with verification of this debt. 

Please send me the following information : 1. Proof of Debt : Documentation that verifies the amount and origin of the debt.

2. Account Details : The name of the original creditor and the date of the last payment.

3. Collection Information : Any agreements or contracts I may have signed.

Until you provide this verification, I request that you cease all collection activities related to this debt, including phone calls and letters and reporting to credit bureas.
Consumer complaint received 2024-09-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pressler & Pressler, LLP (PA)

I received a response from XXXX, XXXX and XXXX, regarding a request for debt validation. I only received statements nothing more.I am therefore requesting proof of ownership-bill of sale, or some document assigning or transferring the debt from the original creditor to XXXX, XXXX XXXX XXXX. If this debt was sold more than once am requesting proof of sale from XXXX XXXX and the XXXX XXXX 
It is my belief that sending past due bill is not sufficient to debt validation
Consumer complaint received 2024-09-20
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Rocket Mortgage, LLC (LA)

was lied to about waiving XXXX to XXXX percent of refinance closing cost if done within XXXX years of getting mortgage. i was made to pay a high closing cost of over {$15000.00} for this agreement
Consumer complaint received 2024-09-19
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Concord Servicing Corporation (CA)

Blackwell Recovery failed to provide the necessary validation within the reasonable time frame of 30 days, as stipulated by fair debt collection practices. This delay in response is not only unacceptable but also undermines our rights as consumers. 

While they eventually sent the requested validation, the prolonged delay has led us to the conclusion that Blackwell Recovery no longer holds any valid claim to this debt. Therefore, we refuse to engage in any further business or negotiations with them.
Consumer complaint received 2024-09-19
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: CLGF Holdco 1, LLC (KS)

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 
Forgive those who trespass against US! The above are violating the Fair Debt Collections Act with their abusive debt collections practices to the Consumer Credit Protection Act. They are also in Violation of the Truth in Lending Act not providing verified proof of authority with any detailed statements that they lend anything to anyone. I am the XXXX and not the XXXX. They are in fact agents and underwriters and are creating contracts designed to defraud and mislead which is unlawful under the Securities Exchange regulations Commodity Exchange Act. I have the Natural Right to make a promise without intending to keep it especially when XXXX  came to see that this was foolish and that I'll do myself a great harm by keeping any promise. I can with Supreme right [ jus ] break faith with such contract, and take my promise back. This is already paid for. I gave a security collateral, which is an extension of XXXX  estate.
Consumer complaint received 2024-09-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (TX)

I am writing to formally dispute the collection account listed on my credit report. I notice discrepancies in the personal information section, which I believe is inaccurate. Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and verifiable information on my credit report. I am requesting that this collection account be investigated and removed if it is found to be inaccurate or unverifiable. Disputed Account Details : Collection Agency Name : CAVALRY PORTFOLIO SERVICES Date of entry : XX/XX/year> Reason for Dispute : 1. I have not been afforded the opportunity to dispute the account in accordance with 12CFR 1006.34 ( c ) ( 4 ) ( ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 2. CAVALRY PORTFOLIO SERVICES has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 3. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfil their obligations under 12 CER 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). CAVALRY PORTFOLIO SERVICES is flagrantly disregarding consumer protection statutes. I demand that CFPB investigate these egregious Legal Basis for Dispute : 1. Fair Credit Reporting Act ( FCRA ) : Under Section 611 of the FCRA, I have the right to dispute inaccurate or incomplete information on my credit report. The credit bureau is required to investigate the disputed information and ensure that it is accurate and verifiable. If the information can not be verified, it must be removed from my credit report. 2. Fair Debt Collection Practices Act ( FDCPA ) : Under Section 809 of the FDCPA, I am entitled to verification of the debt from the collection agency. If the collection agency can not provide proper verification or validation of the debt, it must cease collection efforts and remove the account from my credit report. Request for Action : I request that you investigate this matter and provide me with the results of your investigation. If the collection account is found to be inaccurate or unverifiable, I ask that it be removed from my credit report. Please provide me with written confirmation once the correction has been made. Thank you for your prompt attention to this matter. I look forward to your response within the timeframe required by law.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (PA)

To Whom It May Concern, This is a formal complaint letter concerning inaccurate and discrepancies I have found in my credit report. I Have recently pulled my credit report having negative and inaccurate information has affected me trying to buy a house. I have disputed with XXXX and mailed all the companies disputes and validation letters of all my accounts, it has been 13 days since I mailed the request, and 3 Letters have been returned not deliverable addressed unable to forward. 
XXXX. XXXX XXXX XXXX - {$870.00} XXXX. U S Department of EDXXXX {$3300.00} XXXX. U S Department of EDXXXX {$4100.00} XXXX. ONEMAIN Accounts Charged Of {$12000.00}. Closed Account- {$8500.00}. Another Closed Account Paid but still in my credit report. 
XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX - Paid Closed Account XXXX. XXXX XXXX - Paid Closed Account XXXX. XXXX XXXX XXXX Paid Closed Account
Consumer complaint received 2024-09-17
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: JPMORGAN CHASE & CO. (CA)

I applied for a Marriott Chase credit card after reading their promotional offer of a {$250.00} gift card that would be deducted from the cost of the room I booked. I have all the documentation showing what was advertised both online and in a brochure in the hotel. After getting approved, Chase denied me being able to get the gift card. I escalated the issue to their executive team and still was unable to get a resolution.
Consumer complaint received 2024-09-11
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BDF Partners, PC (TX)

Subject : Complaint Against Barrett Daffin Frappier Turner & Engel ( BDFTE ) for Abusive Debt Collection Practices Complaint Summary : I am writing to file a formal complaint against Barrett Daffin Frappier Turner & Engel ( BDFTE ) for engaging in abusive debt collection practices. Specifically, BDFTE has been involved in the unilateral rescission of foreclosure sales without the knowledge or consent of the homeowners, which constitutes a violation of fair debt collection practices. 
Details of the Complaint : 1. Background and Legal Context : BDFTE has been aware since XX/XX/XXXXXXXX XXXX XXXX that unilateral rescission of foreclosure sales is legally problematic. This is supported by the case Lopez v. Countrywide Mortgage, where the court ruled that a rescission deed filed by Countrywide was legally invalid and had no effect on the foreclosure sale ( Lopez v. Countrywide Mortgage, XXXX XXXX XXXX XXXX XXXX  ). The court noted that there was no evidence that the court had instructed Countrywide to take such action or that the homeowner was aware of or agreed to the rescission. 
2. Ongoing Abusive Practices : Despite this legal precedent, BDFTE has continued to unilaterally rescind foreclosure sales without homeowner knowledge or consent. This practice has been observed in several cases, including National City Bank of Indiana v. Ortiz XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Hernandez v. US Bank, NA, Montalvo v. Bank of America Corporation, and Nicholson v. The Bank of New York Mellon XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In each instance, the unilateral rescission actions by BDFTE have led to significant confusion and potential harm to the homeowners involved.

3. Violation of Fair Debt Collection Practices : BDFTEs actions are a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) as they involve deceptive and unfair practices. The lack of proper notification and consent from homeowners before filing rescissions undermines the integrity of the foreclosure process and causes undue hardship to homeowners. 
Requested Action : I request that the CFPB investigate Barrett Daffin Frappier Turner & Engel for these abusive debt collection practices. Specifically, I urge the CFPB to : 1. Examine BDFTEs practices regarding the unilateral rescission of foreclosure sales.

2. Enforce corrective measures to ensure BDFTE adheres to fair debt collection practices.

3. Issue a warning to BDFTE to cease these unfair and deceptive practices.

Supporting Documentation : Please find attached copies of relevant legal cases and any correspondence with BDFTE that illustrate the ongoing issues. If additional documentation is needed, I am prepared to provide it.
Consumer complaint received 2024-09-10
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: AMERICAN EXPRESS COMPANY (FL)

Subject : Formal Complaint Regarding Amex Error and Request for Fair Compensation To Whom It May Concern, I am writing to express my severe dissatisfaction with American Expresss handling of a technical error that has led to unauthorized charges, card restrictions, and significant emotional and financial distress, severely impacting my professional and personal life. On XX/XX/year>, XXXX payments were withdrawn from my accountone that I made intentionally and another that occurred due to a technical error on Amexs end. I am now facing hardship due to this error, which has caused a cascade of issues. 

When I reached out to customer service, I was assured that the second charge would fall off as it was a technical glitch. However, on XX/XX/year>, my cards were unexpectedly declined. Upon contacting customer service on XX/XX/year>, I was informed that my cards were restricted due to a returned paymenta direct consequence of Amexs error, not my actions. 

Throughout this ordeal, I received conflicting information from various customer service representatives, none of whom offered a consistent or helpful resolution. I was compelled to make an additional {$100.00} payment from another account to lift the restrictions, only to be told afterward that a refund would only be considered if the payment was made from a specific checking accountinformation that was never initially disclosed. Furthermore, I was informed of another reattempted charge on XX/XX/XXXX that could not be canceled by Amex, leaving me to deal with my bank and incur additional costs. 

This entire situation has been extraordinarily distressing. I was unable to concentrate on my work, found myself overwhelmed with frustration, and was brought to tears by the lack of support from Amex. The emotional toll, combined with the financial strain, has been immense. 

Given the profound impact on my well-being and professional responsibilities, I am seeking substantial and fair compensation from American Express to address the emotional and financial hardship this ordeal has caused me. The extent of the distress and disruption warrants a considerable settlement, reflecting the severity of the error and its consequences. 

I urge Amex to take this matter seriously and provide an appropriate resolution, including a full refund of the {$100.00} paid due to this error and immediate action to prevent any further unauthorized transactions. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-09-10
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY (RI)

Hello, a few months back I returned a bag I had purchased from XXXX. I returned it as the item was missing a strap and was just too small. A stuffed tortoise was with it that was too small for the gift it was intended for. I confirmed with them the package was received but the items not credited to my card. This was roughly {$300.00} or more. I disputed it with the company and got no resolution. I gave up trying to fight because I didnt think I had other options. Recently, I made a purchase and XXXX of the items was not received. I immediately wrote to them and alerted them. However, within a day they told me that they confirmed with the tracking information. My item was received. It was not in the box. This is another {$50.00} transaction. I am being billed for items. I dont have returned or didnt receive. I am interest on these purchases and I dont feel it is fair. I tried to resolve both issues multiple times without success. 


Please let me know what else I can do. {$350.00} may be a lot to some people, but its a lot to me.
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (NM)

Yes I have 3 transactions that were unauthorized on my cash app account I had got 3 deposits 1 of them was cash I deposited myself and the other 2 deposits were sent to.me but the weird thing that happened is all 3 were used to make XXXX purchases and who ever did this on my account with my money got the XXXX  and sent it to someone's wallet address in XXXX some persons who ever sent it on some site called XXXX I did a little bit of researching through the XXXX  explorer so far that's all I found out my name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX phone number on account is XXXX but my personal number is changed to XXXX XXXX XXXX if you need to get ahold of me and my other email is XXXX that's my business email I am owner of construction company anything else you need from me let me know but I tried to resolve the issue with the company and cash app doesn't Want to do anything for me and that ain't right unauthorized transactions means someone was in my account other then me and I need my money back it totals out to about XXXX dollars refund is all I'm asking for because they say they are insured for people who are victims of fraud and I know by law they are requires to do a refund for me in the amount of losses I suffered from. Order Type Market Order XXXX Purchase Price {$59000.00} Bitcoin Amount XXXX XXXX Total Purchase Amount {$200.00} Fees {$3.00} Taxes {$0.00} Total {$200.00} XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

( XXXX ) " was a charge-off '' is incorrect, this account was " settled ' and it was paid in full for delete on XXXX, XXXX, XXXX ( XXXX ) was in delinquent status from XX/XX/XXXX to XX/XX/XXXX after 90 days deliquency started from XXXX, XXXX and XX/XX/XXXX. It was in deliquency payment program from XX/XX/XXXX through XXXX, therefore is NOT current. The record showed " current '' was in " deliquent status payment program '' in XXXX XXXX collection department and should be reported as " delinquent '' or " collection '' status
Consumer complaint received 2024-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Possible Financial Inc (FL)

I have been a member of possible finance since XXXX of 2021. I have had several loans and I have paid off successfully. I have a current loan of {$270.00} that was taken out on XX/XX/XXXX my first payment was XX/XX/XXXX which was paid successfully I have been going through a hardship that I had to have my next XXXX payments moved. And the agent moved the next payments XX/XX/XXXX XX/XX/XXXX and the final payment XX/XX/XXXX I received an email letting me know my payment is coming up on the XXXX which Im aware of. I didnt see any warning on the app. So then this evening on XXXX I get an email from possible that my loan is in default and that my account will charge off in XXXX XXXX I have been through hardships before and possible has always accommodated and I have never received this notification on my phone with any loans I previously have paid off even with moving the dates. This is coming off threatening. I have been a member since XX/XX/XXXX. I am working on rebuilding my credit and this is not fair. And I want to be able to reloan The original due dates were XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XXXX I had reached out and explained that I was going through a hardship the agent that I spoke to moved my payments to XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX with the final payment of XX/XX/XXXX once again I had a loss of income I had to move my payments to begin XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX I have always asked possible finance to always accommodate or adjust or make any adjustments for me to get this notification late at night is coming off very threatening I did not have intentions of being in this situation. I had intentions of paying off early, but unfortunately life gets in the way, and I am not happy at all.
Consumer complaint received 2024-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (MN)

I obtained XXXX  credit card in XXXX XXXX enrolled in full auto payments for the rent and also full auto payment for the credit card.My limit is XXXX and the rent payment is about XXXX per month.I use this exclusively for rent payment.In addition to this I make four minor purchases each period to get rewards.These other purchases are never more than $ XXXXSo there is never a question of going over the limitXXXX rent was paid and I presumed that each month will be paid according to auto payment agreement.XXXX XXXX I got a notice from the apartment manager that XXXX payment has not been made so there is {$140.00} charge for late payment.I contacted XXXX customer service and they said that my account was short of funds, this was not possible as I never used card for anything else.Ofcourse now with two months rent due, due to card not paying XXXX rent, it was over XXXX $ limit.This was not due to my fault.I communicated with both XXXX  and Wellsfargo, which manages their card and they pass me from one to the other. 
Ihave never gone over the limit, or short of find, or late payment or overdraft ever.Please help me out as I am getting financial loss for no fault of mine.

Thanks
Consumer complaint received 2019-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK (CA)

I have a Discover Card. Where I didn't make enough money at the time to pay the cards on time and was going through financial hardships and lack of financial education. All the cards went to collections, which I paid off the XXXX XXXX and XXXX XXXX XXXX. I set up another payment plan for the discover card.