davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kikoff Inc. (FL)

This is getting out of hand like really. I filed a complaint on KIKOFF and they said they verified my late payment but what they did was changed the late payment month from XXXX to XXXX on XXXX. The late payment date for XXXX says XXXX. Kikoff is avoiding at all cost to send the credit bureaus there bank statement proving I was late. It's playing around with my credit report and have no basis of reporting a late payment. 
KIKOFF HAS ONCE AGAIN AVOIDED THE INFORMATION THAT I'M REQUESTING. IT SEEMS IT DOESN'T WANT TO PROVIDE ME THERE BANK STATEMENT. THIS IS THE STATEMENT WHERE ALL KIKOFFS CUSTOMERS PAYMENT GOES TO. The only legal proof for a late payment comes directly from a data furnisher in the way of a bank statement proofing when I paid or didn't pay on time from the data furnisher. This prove. when I paid on time.. Anything other then documented proof is heresy. Anyone can create a statement stimulating a consumer paid late. Without this proof, there's no legal VALIDATION. In XXXX XXXX XXXX 1997, Congressional opinion was that the credit bureaus can not put the burden of proof of the consumers to verify. It has to come from the data furnisher, it has to come from the credit bureaus. It can not come from me. PLEASE PROVIDE KIKOFFS BANK STATEMENT SHOWING I PAID LATE NOT SOME MADE UP DOCUMENT. HOW HARD CAN THIS BE. JUST PROVIDE THE BANK STATEMENTS. 

ATTACHED ARE SCREENSHOTS SHOWING KIKOFF REPORTING A LATE PAYMENT ON DIFFERENT CREDIT BUREAUS FOR DIFFERENT MONTHS. THEY HAVE NO CLUE WHAT THERE DOING.
Consumer complaint received 2024-10-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (IL)

I deposited a check in my Citi account in the amount of {$5000.00} on XX/XX/year>. The check was issued by XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/year> for a settlement. The day I deposited the money I had access to just under half of it. The following day roughly {$200.00} more was made available and by the third day I had access to the full amount. Suddenly on the evening of XX/XX/year> my account was locked. I called Citi at XXXX XXXX on XX/XX/year> to find out what the problem was and was told the check needed to be verified as it was flagged for fraud. The check cleared the account of the law group on XX/XX/year> so there is no problem on their end and they didnt report a fraud ( see attached emails ). Im completely blocked from my account and all my funds for no reason. I have wasted an entire day on the phone talking to various people and nothing has been resolved. The attorney who wrote the check has tried calling but was told the person he needed to speak with was busy. I provided the attorneys direct line but no one will call him as they claim the number isnt verified in their system. I need access to my money.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I had a fraud purchased in XXXX off XXXX and dollars and XXXX XXXX XXXX will not help me at all. Someone copied my card and used it somewhere else. I told capital it wasn't me to investigate and have someone go to the place a look at camera and nothing no help what so ever now my account is at minus XXXX. I keep fighting but no help.
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (GA)

There are late payments being reported for months in XXXX and months in XXXX that were doing the time of a pandemic. During those months I was given the pandemic deferment, but my account doesnt reflect that. 
I was never late
Consumer complaint received 2023-06-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (AZ)

My daughter took out 2 parent plus loans that Navient harassed me for an entire year bc my daughter wasnt paying them so I took those 2 loans totaling XXXX into my loans. My loans have never been late. 

Now, recently they have begun harassing me alleging i co-signed for these private loans for my daughter who I have not communicated with for 7 years. I KNOW I NEVER SIGNED FOR ANY PRIVATE LOANS. I HAVE REQUESTED A COPY OF ORIGINAL LOAN PROMISSORY NOTE AND ANYTHING WITH MY SIGNATURE. They have not complied. The loans were taken out XXXX XXXX before Sallie Mae was using XXXX. However, they must produce something with my signature for a private loan. If they changed the terms of my daughters loans and allegedly I am the co-signer, then they are required to notify me and I must agree to it. AGAIN, I NEVER SIGNED FOR XXXX PRIVATE LOAN AND THEY ARE REQUIRED TO PROVIDE PROOF OR REMOVE MY NAME FROM ANY RESPONSIBILITY FOR HER LOANS. THEY MUST PROVIDE ORIGINAL DOCUMENTATION TO PROVE LIABILITY ALONG WITH SOME SORT OF SIGNATURE. They stated it was XXXX but Sallie Mae was not using XXXX in XXXX and XXXX. 
My credit is being negatively affected now so I am going to sue for damages and attorneys fees. Please assist with Navient. They are seriously not following the rules.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Early Warning Services, LLC (MA)

I will also XXXX provided the reasons for disputing the information. I have enclosed it again sending a copy of this letter to the Federal Trade Commission to inform them that I have proof of sending letters to you and that you have not complied with my request. Additionally Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), Fair Debt Collection Practices Act ( FDCPA ) I am entitled to dispute inaccurate information on my credit report and expect a thorough investigation of my claims, I have reported this matter to the Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX  to seek their assistance in resolving this issue. 

Please find below my reasons for dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (NC)

Navient is using my name without my authorization. I never contracted with Navient. I contracted with XXXX XXXX How did Navient get my information? I did not authorize XXXX XXXX XXXX my information with any third party affiliate. I received documentation from Navient that they are transferring my information to XXXX. I am not authorizing Navient to give my information to XXXX. I do not have a contract with this entity and I will not contract with this entity. XXXX should not have access to any of my information. This is identity theft.
Consumer complaint received 2024-10-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (KS)

I saw a friend of the family post what appeared to be a legitimate post about selling their dad 's things before moving him to a retirement home. I was asking about purchasing a XXXX XXXXXXXX XXXX XXXX for {$6000.00}. I DMed the seller on messenger and proceeded to give them a {$1000.00} down deposit. I paid them through PayPal under Friends and Family. I understand that there are limited payment protections with this method. They then proceeded to send me a message saying their dad was asking for half the payment up front due to a lot of people asking about the items. I grew suspicious but complied due to them being close with my parents and sister in the past. I sent them {$1000.00} for a total of {$2000.00}. ( At this point I was noticing some weird wording but I was the only XXXX in my family not very close with them. ) They were asking about the other {$1000.00} and that their cousin -whom I was sending money too- and I informed them that my card hit its limit for daily payments but they then proceeded to send me a PayPal email for their " neighbor '' saying that they would be helping with the purchases. At that point I asked my mom to investigate and she came back with both her and my sister confirming it was a scammer by how she responded to my mom 's message and my sister texted the friend directly to her phone number and found out that she was hacked.
Consumer complaint received 2024-10-09
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC. (WA)

We have tried for over a year to get the last XXXX years of phone recordings between ourselves and Select Portfolio servicing as these will be non disputable proof that it was XXXX. Their phone system that failed to used the entered account number when we made the trial modification payment of {$4300.00} and that we were advised when it was sent through an old account that they have on file ( THEIR phone system mistake ) that they apologized and that we should wire the funds to ensure no mess up. We did this. We also made subsequent payments that at first were accepted and then all of a sudden would not take them claiming it was because that first payment was returned- the records will show in conversations that they apologized and the wire arrangement was acceptable. 
XXXX. They have XXXX payments from over a year ago XXXX each for {$3500.00} that we have sent proof of ( they were bill pays ) the back and front of repeatedly through email, fax, XXXX certified return receipt/ XXXX XXXX regular and overnight. Over {$500.00} in doing this. These payments we have been recently advise are in investigation- escalated currently. 
This has been going on for over a year! 
These payments need to be posted and any fees associated credited and the trial XXXX reopened for the payments of {$4300.00} The phone records are paramount as they have such " high turnover of employees '' we have been told that it has been passed along and along soooo many times. XXXX has a XXXX XXXXXXXX XXXX XXXX XXXX all over her head and has put off XXXX to deal with all this and it is VERY stressful and emotionally strain inducing to have these ridiculous games going on in a home we have lived in for XXXX years. The builders alone caused many many issues from the moment we moved in with essential things not done and bills they had not paid to many vendors of materials and other installs- thankfully title insurance covered most of this. In XXXX when SPS took over the servicing of the loan they said we were XXXX payments behind - at this time they were well over XXXX XXXX a month. 
It took us a year of calling and doing the same thing as is occurring now to finally get the XXXX XXXX  " found misposted '' - it is very disappointing that we are here again. SPS has a very bad reputation in many ways with numerous customers that we have seen in our research. XXXXXXXX XXXX as well. 
We appreciate your assistance in getting these phone records and rectifying the trial modification being put back into place and those XXXX missing payments being posted. 
It would be very nice to have refunded to us the monies that we spent in sending them physical proof as well.
Consumer complaint received 2024-10-08
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: Resurgent Capital Services L.P. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Missouri Laws Dear LVNV FUNDING LLC, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and Missouris identity theft and credit reporting laws.

It has unequivocally come to my attention that LVNV FUNDING LLC has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that consumer consent is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

Under Missouri law, particularly in accordance with Missouri Revised Statutes Chapter 570 ( Fraudulent and Deceptive Business Practices ), identity theft and the unauthorized use of personal information, including credit reporting without consent, is strictly prohibited. Missouri law also imposes civil liability for violations of consumer protection and identity theft statutes. 

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING LLC to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for both federal and Missouri state laws. 

I demand, with the utmost certainty, that LVNV FUNDING LLC immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri 's identity theft laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable federal and state laws, including Missouri 's identity fraud and consumer protection statutes. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV FUNDING LLC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-10-06
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: GOLDMAN SACHS BANK USA (NY)

The bank sent me several messages indicating they were unable to refund my over payment due to " active disputes '. 
I tired to withdraw the disputes, but was not allowed to do so, in order to fix the problem.
Consumer complaint received 2023-06-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CA)

I submitted my request to Mohela for refund on voluntary payments after XX/XX/XXXX paid during the student loan pause XX/XX/XXXX. The voluntary payments should have amounted to about {$82000.00}. I called multiple times to request updates, and was informed that it was submitted early XX/XX/XXXX. After more phone calls, I finally received an update that it was approved the end of XXXX. The principal balance including interest accrued before my refund request was at {$320000.00}. ( I do not have the exact balance when I requested the refund, but I did request this information from them ). I was informed that my refunded amount would be {$81000.00}. I have not received this refund yet and am patiently waiting for this to come in the mail. My principal balance including interest is now {$420000.00}, which does not add up as there should not have been any interest added during the pause. I submitted for a dispute and was provided a case #. I called XX/XX/XXXX for updates on this case #, the refund, and was informed that they do not have this case # in the system. I am just appalled at how unorganized everything is with Mohela, the payments, the inaccuracy of my loan amounts and do not know how to address this now.
Consumer complaint received 2024-10-09
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: Resurgent Capital Services L.P. (PA)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Pennsylvania Laws Dear LVNV FUNDING, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, in violation of the Fair Credit Reporting Act ( FCRA ), particularly under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), along with Pennsylvanias identity theft and consumer protection laws. 

It has unequivocally come to my attention that LVNV FUNDING has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). Additionally, Pennsylvanias laws protect consumers from unauthorized use of personal and financial information. Under Pennsylvanias Identity Theft Statute ( 18 Pa. Cons. Stat. 4120 ), it is illegal to use another person 's identifying information without consent, which applies to unauthorized reporting of credit information. 

I assert with unwavering certainty that I have not provided consent for LVNV FUNDING to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that LVNV FUNDING immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Pennsylvanias relevant identity theft and consumer protection statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including Pennsylvanias identity theft laws. 

Obtaining consent is not discretionary but a legal obligation under these specific sections of the FCRA and Pennsylvania state law. This is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that LVNV FUNDING will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-10-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc (FL)

On XX/XX/year> I received a email stating that my PayPal account has been permanently limited so I contacted customer service and they hanged up on me and I emailed them ALOT of times and they responded with false information stating that my account is risky that why they limited it .which nothing was wrong with my account they decided to limited it due to their XXXX stereotype on XXXX person because every XXXX person has the same issue with PAYpal and XXXX XXXX their account for no valid reason then lie to people that there account are at risk and then hold their hard earned money and then refusing to hand it over. I am definitely bringing this matter to court and XXXX PayPal out of every dollar for this XXXX behavior and I'm bringing this matter to news source and damage PayPal reputation very bad until they can learn to stop stealing people money If I don't get my account and money back PayPal won't like what is going to happen with me carrying them to court And the judge will mostly likely go in my favour because I have reciepts of every transaction, and every call I did with PayPal customer service and with the lady making XXXX statements
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. This account is completely false and unverifiable, and someone misused my personal information and social security number. 

XXXX XXXX XXXX : # XXXX  15 U.S.C 1681 SECTION 602 ( A ) : States I have the right to privacy.

15 U.S.C. 1681 SECTION 604 ( A ) ( 2 ) : States a consumer reporting agency can not furnish an account without my explicit written permission.

15 U.S.C. 1681C ( A ) ( 6 ) : Any other adverse item of information 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 any reasonable cause that the information is inaccurate.
Consumer complaint received 2024-10-06
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: TD BANK US HOLDING COMPANY (OH)

On XX/XX/year> I attempted to make a purchase at a XXXX XXXX in XXXX OH with my TD credit card ( approximately {$15.00} ). It did not go through because the card flagged it as potential fraud, and locked the card. I am also not able to view my account online or make payments online. In the next week, I called TD bank XXXX times attempting to get this resolved. I was told that they could not authenticate me over the phone, and that I needed to go in person to a branch. There are no branches in Ohio, the closest one to me appears to be in North Carolina. I can not travel out of state to take care of this. TD refuses to let me cancel the card or make a payment online or over the phone.