davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY (FL)

As the participant entitlement holder for this account, There has been three attempts to this financial institution requesting a full accounting pursuant to UCC 9-210. There is no debt on this account and they are infringing on my consumer 's right by taking adverse actions in forms of restricting my account 's limit, not following their grantor and participants orders as I am entitled to Issue a Transfer Message, Receive interest and other payments with respect thereof, and Exercise all the rights and powers with respect to the Security related to this account pursuant to 31 CFR 357.13, which was express through the notices that was sent to them. They have failed as trustees to follow orders for this is a consumer credit transaction use only for personal, household goods out of necessity. after my final notice, I received a response stating that they will not change anything according to my orders as attorney-in-fact over this account. Through their acquiesce they agree to all my terms. Overall they have received all necessary credits for any debt for this account and since they are stating there is balance owed there may be some misappropriation of funds. Therefore, there are required to provide me with a copy of the full account to prove that there is balance owed to this name.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery Associates is not working with me to validate or verify the debt they have placed on my credit reports. I have reached out to them via mail on several occasions to which they only validate the debt by sending a letter saying its mine. They have not provided any supporting documentation to prove their claims against me. 
I have also made them aware that I am the victim of identity fraud and included supporting documentation by providing them with the actual police report and the person responsible for the fraud.
Consumer complaint received 2024-08-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Goal Structured Solutions, LLC (MA)

Dear LAUNCH SERVICING LLC Sir/Madam ; I am writing to formally dispute and request the removal of an alleged debt from my credit report, which I believe to be fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 
The reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. To resolve this matter expeditiously, I require the following documentation : 1. Evidence of your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) for handling this matter.

2. Legal basis for the collection of this debt.

3. Proof of your authorization to operate in my state.

4. Evidence of the alleged debt, including any contracts or agreements bearing my signature.

5. Complete account history, inclusive of all collection-related charges.

I am formally filing a complaint citing violations of my consumer rights under the FCRA and FDCPA. Pursuant to 15 U.S.C. 602 ( a ), I demand immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions.

Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection.

* 1692e : Use of false, deceptive, or misleading representations.

* 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-08-14
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC (CA)

I just got my drivers license XX/XX/year>. I got the car loan on XX/XX/year>, a couple days later after getting my license, this was my first car, I did not know anything about the interest rate and they did not explain it to me. They just told me that I had been approved for a {$570.00} a month payment based on my credit score and income. This past XXXX, I just noticed that I will have already paid for the value of the car, by this XXXX in payments total but none of my payments are going towards the car, the principal. All my payments are going towards the interest rate. I think this should be illegal. I was thinking that my interest rate was 10 % something normal, but it is 25.70 %. 

I did call them and ask them could my interest rate be lowered and they said they do not do that. Also, when I tried to refinance with another company, so that I can lower my interest rate, they said that I could not because Global Lending Services, had been reporting that I was late on payments, so it made my credit score lower. I would like for them to report all the times that my account was in good standing. I would like more of my payments to be applied to the principal and my interest rate to be lowered. With this type of loan, I will be paying for two of these cars, well XXXX XXXX. This is really unfair and this should be explained to the buyer at the loan signing process, so they understand and negotiate a lower interest rate.
Consumer complaint received 2024-08-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc. (DE)

On XX/XX/XXXX Received bill from Comenity Bank late and paid immediately in full {$180.00} Between XX/XX/XXXX and XX/XX/XXXX received numerous phone calls from around the country some from Unknown number. They did not leave a message. 

On XX/XX/XXXX I finally answered one of these phone calls. I was advised it was Comenity Bank and that I missed a payment. I told them I would look into it and be back with somebody in the afternoon. I spoke with a supervisor in the afternoon who immediately put my account in dispute. He also said all late fees and interest would be reversed. He asked me to send a copy of my canceled Check front and back to an address that I verified with him. I did so immediately. 

I followed up on XX/XX/XXXX and was told that they still had not received the payment and they still had not received the copy of the canceled check that I mailed. I was advised to wait a few more days and that they would be in touch with me. 

On XX/XX/XXXX I received a letter from Comenity Bank saying that my account was in dispute. It was dated XX/XX/XXXX. 

On Saturday XX/XX/XXXX I started receiving phone calls again from around the country. At the same time I received an email from XXXX XXXX saying that I had a late payment from Comenity Bank and my credit score dropped over 100 points. I immediately called Comenity Bank and was told that my account was no longer in dispute and that I will be getting a letter in the mail with instructions. I asked to speak with a supervisor and was hung up on. 

On XX/XX/XXXX I called Comenity Bank and spoke with a supervisor. I was advised that they still had not received my payment nor had they received the copies of my canceled check. She told me to follow the instructions on the letter. I immediately set up an online Account and with help from my sister was able to PDF my canceled check directly to the company. I called back two times and asked for a supervisor and was hung up on. 

As of today, XX/XX/XXXX I have not heard from nor received any correspondence by mail from Comenity Bank. 

Please help!
Consumer complaint received 2024-08-23
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Mr. Cooper Group Inc. (NJ)

Subject : Complaint Regarding Mortgage Closing Documents and Foreclosure Action I am writing to address concerns regarding the mortgage closing that took place on XX/XX/XXXX, and the ongoing foreclosure action against us. 

At the closing, my common law wife and I requested copies of the signed documents and were promised, by the title company representatives and bank representatives, that they would be provided. Despite the promises and repeated requests, we never received the closing documents when initally requested. Only after my wife filed complaints with the CFPB and additional correspondence from us, did we get the closing documents from XXXX XXXX. On XX/XX/XXXX, we received a denial of the rescission request, from the current serviceing company, as well as the mortgage application and other items. 

Under 12 CFR 1026.23 ( h ) ( 1 ) ( ii ), which addresses the right of rescission at foreclosure, it is clear that if the required disclosures are not provided, the borrower may rescind the transaction. 
I respectfully request acknowledgement of our rights under 12 CFR 1026.23 ( h ) ( 1 ) ( ii ) and an investigation into the matter. I look forward to a response and a satisfactory resolution.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: JPMORGAN CHASE & CO. (IL)

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
The following inquiries are unauthorized, and I ask that you DELETE them : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : Miscellaneous Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Consumer complaint received 2024-08-23
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jana Ferrell & Associates LLC (OK)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violatedand that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-23
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: Fidelity National Information Services, Inc. (FNIS) (WA)

This relates to the previous complaint I submitted about XXXX and XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX ) opened up my closed bank account to accept a refund from XXXX, but sent two mutually exclusive return codes. This confused XXXX which caused them to reverse the transaction, sending my account into a negative balance. For two years, I argued with XXXX XXXX XXXX about this and they refused to listen to me and even submitted several misstatements, excuses, and flat-out lies to the state of Washington. I tried to dispute this report on chexSystems because it prevented me from opening up a bank account for my new business. All ChexSystems did was ask XXXX if it was correct - that is NOT an acceptable protection for consumers! A thorough investigation should have been done. I'm getting ready to buy a business and may not be able to obtain an SBA loan due to this comment on ChexSystems " verified accurate '' - it's NOT accurate, as evidenced by the response from XXXX, saying that THEY had the missing funds, not me. But for two years, XXXX lied about this to everyone involved. ChexSystems HAS to do more than just ask a corrupt financial institution if the incorrect information they submitted is accurate. They need to take consumer evidence into account and ask questions. ChexSystems did NOT protect me as a consumer, in fact, it made ME look even worse!!!!
Consumer complaint received 2024-08-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/year>, I sent my client a {$1200.00} invoice with JP Morgan Chase 's payment link to charge my client for the services I provided to him. The client paid the invoice amount through the payment link. However, We Pay Inc, the payment processing services under JP Morgan Chase thought this payment is high risky. They simply closed my We Pay account. And said they will withhold that payment for 120 days as reserve. And they did not provide further communication or any detailed information after that. I think this is illegal. There is no reason for them to withhold that payment for 120 days if they can not process it. It should be sent back to payer. I just started my business and everything is legal.

We Pay Inc even doesn't have a phone number for the communication. This JP Morgan Chase payment processing company is a totally fraud or scam.

Please see attached docs about this complaint.
Consumer complaint received 2024-08-14
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (NC)

XX/XX/XXXX, I sent two checks to XXXX, OR to pay the student loan off in FULL. The checks were received the following day ( XX/XX/XXXX ) and cashed/deposited on XX/XX/XXXX. 

The checks never posted to my account. I called several times and spoke to several people. 

XXXXOne of the checks posted to my account but it should have been two checks because I was paying off the loan in full. It totaled over XXXX XXXX. 

No one can give me answers as to where the other money is and I am afraid that if this is delayed, it could possibly affect my credit.

I have attached the front and back copies of where the checks have been deposited or cashed.

My name and the Nelnet account was placed on the front of both checks that were made out to the Department of Education.

Any assistance that could be provided would be of great help.

I have good credit scores and I do not want them to be adversely affected.
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (CT)

XXXX XXXX XXXX contacted me to collect a debt on behalf of eversource. I sent them proof the debt isnt mine, They sent me a copy of the bill. I then contacted them explaining the debt isnt mine and showing proof it isnt and the person who the debt does belong to acknowledged the debt was theirs. I mailed them twice with no response. I know they received my letters since I sent them certified mail. I sent them multiple emails asking for updates and they did not answer me at all. On the XXXX of XXXX they reported the debt to the credit agencies and hurt my credit score. I do not feel they had the right to do this as I was trying to work with them and they would not contact me at all. I called them and they said they would look into it. I have no faith they will. They need to remove the negative comment from my credit report. I have copies of all the times I reached out to them. It is my understanding that they need to stay in touch with me. What they have done is not right. Especially since the debt isnt even mine.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (MI)

I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (GA)

I have requested USAA to investigate a duplicate/ reversal credit of {$2200.00} because I never received goods/services. I tried solving the issue with merchant no response. I asked USAA for help. but USAA has failed me again ( last time, USAA corrected their error after proper infestation ) Once again I received a weak response/investigation. 
On XX/XX/XXXX I went to purchase floors at XXXX XXXX XXXX in XXXX, but they didn't have the amount and color that I required, even though a sale occurred, we never picked up the goods, therefore a reserval/refund was supposed to be processed, but merchant never did, merchant has failed to call me back multiple times. Yes there was a sale transaction but there was NO PICK, I never picked up or signed any pick up of goods from the XXXX location. However I DID purchase and signed pick up from the XXXX  location for the amount of {$2200.00} that purchase I did signed and picked up goods. XXXX failed to send documents I requested back in XXXX. today XX/XX/XXXX I Talked to XXXX @ USAA asking for documents again ( she mentioned no request made from before ) she assured me she's putting my request again, I had hopes that USAA analyst or investigator would take a close look at merchant documents sent regarding dispute XXXX but USAA re-review completed XX/XX/XXXX sided with vendor again with no proof of pick up.
Consumer complaint received 2023-07-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (FL)

Wayfair citi is still charging me for fraud {$70.00} that is not mine ... the fraud happened before I even received the card ... I've called multiple times about this and it took me 7 times to get through to customer service who could not verify my identity... I was on hold forever and customer service was rude and dismissive.. 

These are not my charges This went to collections which affects my credit score
Consumer complaint received 2024-08-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-07-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please delete the following accounts completely from my credit reports. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.