davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: First Credit Services Inc. (PA)

In XX/XX/XXXX, I had a membership with XXXX XXXX, about that time I was going through a divorce separation custody battle financial abuse from my ex-husband, and I was having to relocate out of my XXXX XXXX due to emotional and physical abuse. At that time I contacted XXXX XXXX  and requested to put my account on hold. Explain the situation why and they said that would be no problem. They said I could do it up to a year. I told them that I foresee my circumstances being far better within six months, and I will start the membership back up again. They said no problem. 

Upon XX/XX/XXXX, I went into branch and explained I am ready to start that membership back up again. 
They said because I would have to re-enroll and set up another account which I thought they knew what they were doing so I agreed. 
Most recently that I had previously put on hold has shown up in my credit report upon contacting XXXX XXXX. They explained that when I signed up for a second account that took the account off and sent it to collections. 
The account at XXXX XXXX  agreement number is XXXX And it is currently being held by first credit Debt collector. 
Their phone number is XXXX I reached out to them and explained this. 
And I also reached out to XXXX XXXX  and they said since the debt has already been sold, I will have to handle it with a debt collection agency but I want further help on this because im a XXXX  XXXX  still going through a divorce, minimal income and amount of debt and I have struggled to keep my credit up and I am not liable for the step because I did the right thing and I contacted XXXX XXXX  as soon as I knew that it would be a struggle and they agreed to put it on hold
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC (FL)

I am a victim of identity theft and the unauthorized inquiries reporting continue to damage my credit reputation and I am refiling this complaint to CORELOGIC CREDCO LLC. I am writing to appeal that you block the non authorized information from my credit report. The FTC report number related with this complaint is XXXX including the unauthorized inquiry. I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Consumer complaint received 2024-10-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (IA)

this is the letter i have sent multiple times with no response Dear Sir or Madam, I am writing to formally request benefits under the Servicemembers Civil Relief Act ( SCRA ). I have submitted this request three times previously but have not received any acknowledgment or response from Affirm. 

As an XXXX XXXX servicemember, I am entitled to certain protections and benefits under the SCRA, codified at 50 U.S.C. 39014043. These benefits are crucial in assisting me to manage my financial obligations while serving our country.

I have already mailed a physical copy of my military orders to your office to verify my XXXX XXXX status. I kindly ask that you review my request promptly and provide confirmation of receipt. If additional information or documentation is required to process my request, please inform me at your earliest convenience. 
Please be advised that failure to comply with the SCRA may result in legal consequences under federal law. Under **50 U.S.C . 3912**, financial institutions are obligated to provide certain protections to servicemembers. Non-compliance can lead to civil penalties, including fines, damages, and coverage of legal fees. If I do not receive a response within 14 days, I will have no alternative but to consider pursuing further legal action to ensure my rights under the SCRA are upheld. 

I appreciate your attention to this matter and look forward to your timely response. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-03-11
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: Experian Information Solutions Inc. (MN)

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 XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX 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 2024-08-07
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I received a notice that my account are being closed this is my private account and did not give the funisher permission to XXXX XXXX or close my accounts due to the privacy at of XXXX XXXX  and the FCRA 15 usc 1681a ,15 usc 1681i, The Act ( Title XXXX of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority. I XXXX XXXX living man of XXXX did not give funisher permission to look at my account or closed my account. I want to rescind that application I am age of majority I am not a minor and I do my own accounting.
Consumer complaint received 2024-08-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: SOUTHSTATE CORPORATION (SC)

XX/XX/year> Someone stole my online credentials and made a fraudulent XXXX check deposite through South State Bank mobile application for a XXXX XXXX XXXX check from the state of XXXX with the name XXXX  XXXX. I have no clue who this individual is nor do I reside in the state of XXXX. This action was not done by me. This action caused my checking account to be frozen. I have no access to my payroll checks that are to be deposited at South State Bank.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc. (MI)

They locked my account with {$XXXX} in it and wont unlock it, it been over a month now they asked me for documentation I sent it in but they keep asking me for the same documents. Plus I had a credit builder account with the bank and they have my account locked but still taking money out of my account the bank is called money lion. 
They wont even close the account or send me a check.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (OH)

The company responded to my first complaint on file with the CFPB. They gave a lengthy statement on why they are not reporting the correct information on my report ( the balance and payment amount are being reported incorrectly ). 

In reviewing their response, the reason for not reporting the information correctly is doesn't seem correct. They say that a loan I paid off was included in my consolidation loan. Therefore, I have " consolidated '' - meaning an entirely new loan. Upon consolidation, I voluntarily lose benefits of subsidized and subsidized loans so reporting the two separately should not be an issue. 

Moreover, why can't XXXX decrease my balance on reporting? My loan statement is correct and only reports one group - Group F. One loan!

I think this reporting issue they have internally should have been resolved by now - it has been a year. 

I am providing their response to my first complaint and their own monthly loan statement. 

Their problems taking loans from XXXX XXXX and XXXX ( note the XX/XX/year> date ) is their issue and is affecting me and I am sure more borrowers. 

I have been patient on this- I waited nearly a year to call the company about this as I recognize the restart of loan servicing due to pandemic issues created issues for us all.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Central Portfolio Control Inc. (IN)

On XX/XX/2024 I sent out a dispute to resolve the collection in the amount of XXXX and {$680.00}. That was on my credit report. There was no resolve and XXXX still receiving collection notices every month.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Subject : Dispute Regarding Violation of Fair Credit Reporting Act Dear Credit Bureau, I am writing to address a serious violation of my rights under the Fair Credit Reporting Act by a creditor. It has come to my attention that the creditor has failed to adhere to the guidelines outlined in 15 USC 1681 section 602, specifically regarding my right to privacy. Furthermore, as per 15 USC 1681 section 604 section 2, a consumer reporting agency is prohibited from furnishing an account without my written consent or instructions. 

I would like to bring to your attention that under 15 USCS 1666b, a creditor is not permitted to treat a payment on a credit card account under an open end consumer credit plan as late for any reason. It is evident that the creditor in question has not followed these regulations, which has had a negative impact on my credit report. 

I kindly request that you investigate this matter thoroughly and take the necessary actions to rectify this violation. Your prompt attention to this issue is greatly appreciated. 

Thank you for your assistance in resolving this dispute. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-08-01
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY (FL)

I applied for an American Express Delta credit card, and a phone number called me acting like american express. Asking for social, etc. I gave them the number not knowing it was a scam. I applied Tuesday, XX/XX/XXXX and they have been calling about it and i thought it was the company calling me
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

I purchased items from XXXX on XX/XX/XXXX. Items were returned on XX/XX/XXXX. Items were picked up by XXXX XXXX  shipping. Items have not been refunded as of XX/XX/XXXX. I contacted XXXX multiple times through chat about my refund over the course of a month. Eventually, my account was blocked from using chat. I then used their site to have XXXX call me in regard to my order. I called twice, XX/XX/XXXX and XX/XX/XXXX. Both times I was told my refund would be issued in 3-5 business days. I have not received my refund despite me returning all items in good condition. Seller is holding my refund hostage for an unknown reason. I then opened a dispute with Truist bank on XX/XX/XXXX. I provided documentation about the items and return. My dispute was closed on XX/XX/XXXX with claims that the items have already been refunded which is a lie. My XXXX account also shows these items as " return started - your refund will be processed when we receive your item '' which proves there has been no refund. I called Truist today and the customer service rep was unhelpful and stated the dispute decision was final and that I should call XXXX again about my refund. This is unacceptable. I have given definite proof that I have not been refunded and my own bank is denying my claim.
Consumer complaint received 2024-08-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: REGIONS FINANCIAL CORPORATION (GA)

Dispute of ATM Deposit Error and Claim Denial The incident that occurred on XX/XX/2024, at a Regions Bank ATM located at XXXX XXXX XXXX XXXX, Ga XXXX. On that date, I attempted to deposit {$2900.00} into my checking account. Unfortunately, the ATM encountered an error during the transaction and returned {$1500.00} the {$1400.00} balance never went to my account and was not returned. The atm issued a receipt stating that my items could not be returned. I checked my account balance and it was not in my account. 
Upon realizing the error, I immediately went inside the branch and filed a claim. I was informed by the bank staff that an investigation would take XXXX to 10 days to resolve the issue. However, on the XXXX day, I received a notice indicating that my claim had been denied Following this, I contacted the bank for clarification. To my dismay, the representative I spoke with apologized but stated that there was nothing more they could do. When I inquired about the method of verification used to deny my claim, the banker was unable to provide a satisfactory answer. I specifically asked if the camera footage, which would clearly show me at the ATM making the deposit, had been reviewed, and whether the ATM had been audited to account for the {$1400.00} that failed to be credited to my account. 
It Is extremely concerning and unacceptable that my claim was denied without thorough investigation, given that the evidence, both video and the ATM 's cash audit, should clearly support my claim. The denial of my claim without reviewing the pertinent evidence is both unfair and unreasonable. 
I urge them to reinvestigate my claim and conduct a comprehensive review of the incident, including examining the camera footage and auditing the ATM. I am confident that these steps will validate my claim and lead to the rightful crediting of the {$1400.00} balance missing from my account.
Consumer complaint received 2024-08-03
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. (VA)

I am writing to express my deep dissatisfaction and frustration regarding the cancellation of my Priority Pass ( PP ) card by Chase Bank and the subsequent issues I have faced.On XX/XX/XXXX, I dined at a PP network restaurant at XXXX XXXX, only to be informed that my PP card was not working. This unexpected issue forced me to pay the entire bill out of pocket. On XX/XX/XXXX, while at XXXX XXXX, I called Chase customer service to address this problem. I requested reimbursement for my cost at XXXX and sought a solution since I intended to use my PP card at a PP restaurant at XXXX XXXX as well.The agent I spoke with advised me to use my XXXX card to make purchases at the PP restaurant at XXXX XXXX and assured me that I could call Chase later to apply the {$56.00} credit ( for XXXX people ). She also mentioned leaving a note on my account regarding this arrangement.However, when I subsequently called Chase and contacted customer service via secure message, I encountered repeated excuses and refusals to apply the promised credit. This has been both disappointing and inconvenient.I am requesting an urgent investigation into the reasons behind the cancellation of my Priority Pass card by Chase. Additionally, I demand that the credits for my expenses at PP restaurants at both XXXX and XXXX airports be applied promptly.I trust that Chase will handle this matter with the seriousness it deserves and ensure that such issues are resolved promptly to prevent future occurrences. Receipt for the XXXX XXXX XXXX restaurant is attached.
Consumer complaint received 2024-08-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA (GA)

I filed a dispute with mohela, Requesting a Cancellation/ discharge of student loans from 2 of the colleges I attended which are currently closed now. 
XXXX XXXX XXXX XXXX. 
I also have schools attended that has been over twenty years ago. I am also asking for a cancellation/ discharge of those loans as well. My request was not met by Mohela. Also My annual income is under XXXX XXXX Which also may qualify me for a discharge. I recently applied for the PSLF through Mohela do to working in the hospital. I have not received a response yet.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-08-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United PanAm Financial Corp. (NJ)

To Whom It May Concern, I am writing to formally dispute the amount of debt reported on my credit profile regarding a loan from United Auto Credit Corp. According to my records, the correct balance owed on this loan is approximately {$1100.00}. However, the amount reported is {$8800.00}, which is incorrect. 

This debt has been charged off to collections, and I believe there has been a mistake in the reporting process. I kindly request that the Consumer Financial Protection Bureau investigate this matter and ensure that my credit profile is either updated with the correct amount owed or that the United Auto Credit Corp entry is removed entirely. 

I have documentation supporting my claim, including statements and correspondence with United Auto Credit Corp, that I can provide upon request. I trust that you will address this matter promptly to ensure the accuracy of my credit report. 

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

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

I'm writing to express my concerns regarding several issues I've encountered with the credit bureau. These issues include incorrect account listings, multiple unauthorized inquiries, inaccurate credit reporting, billing discrepancies, and accounts that do not belong to me.
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TD BANK US HOLDING COMPANY (GA)

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.
Consumer complaint received 2024-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

To Whom It May Concern : I am writing to file a complaint against [ XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ] [ I demand removal of these accounts that are reporting to. My credit report, its stoping me from growing my business and being successful for my children. ] Over the past several months, I have tried to resolve this issue, but to no avail. Enclosed is documentation regarding my dealings with [ company ] to date. 

I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. 

Thank you for your assistance. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-28
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ALLY FINANCIAL INC. (MT)

A person claiming to be with Ally Financial, who currently holds the loan on my XXXX  XXXX XXXX, has been calling me at my work despite being repeatedly told to stop calling me at this number. The debt in question is not delinquent and is paid current. The number appears in the phone system as " XXXX Number '' but the actual number calling in is ( XXXX ) XXXX. A simple XXXX search shows that others have dealt with this as well.