davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (NY)

On XX/XX/XXXX i got a call from XXXX XXXX and the man asked if i approved of some transactions on my venmo account and i said no..he proceeded to transfer me to the fraud department... so he said ..i was brought through a chain of actions to supposedly stop the fraud.. be fore i knew it they had me transfer {$2000.00} ... and a separate {$440.00} to a XXXX XXXX ..he said he was the fraud specialist..and those were the code amounts to freeze the money from the scammers.. i knew the second i sent it i was taken ... i contacted my bank ... XXXX XXXX and Venmo to get help and they both said they couldnt help ? ? if this person has a Venmo account and is stealing why cant they help?? please help me and let me know what i can do... i badly need this money for my rent..thank you in advance for any help you can be..have a nice day... XXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OK)

Between XX/XX/XXXX and XXXX XXXX monthly payments of {$270.00} and sometimes more were made however about {$24.00} worth of late fees were charged each month. Between XX/XX/XXXX and XX/XX/XXXX about {$7500.00} of payments were made, but some late fees were still charged. This affected my credit score and our mortgage lender had to get on the phone with Navient to fight with them to take it off because regular payments had been made and it should not have been reported.

Ive attached a photo of the pattern. This continued for about 2 years.
Consumer complaint received 2023-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-11
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Jefferson Capital XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX VERIFICATION OF DEBT REQUEST RE : ACCT # XXXX XXXX Dear Jefferson Capital, I am reaching out to you about the debt you are trying to collect.. This letter is being sent to you pursuant to the Fair Debt collection Practice Act. 15 USC 1692G, SEC 809 A AND B WHICH STATES YOU MUST SUPPLY THE FOLLOWING INFORMATION. I am entitled to request validation of the debt that you allege I owe to you. This is not a request to verify the debt, but rather a request for you to provide complete and competent evidence of my contractual obligation to provide payment due to you. 
You must provide a complete accounting of the debt you claim I owe within 30 days of your receipt of this letter. This prof must include. 
The complete and signed contract for the debt obligation which is the subject matter of this dispute. 
An itemized breakdown of what you claim the money is owed for. 
Explain and show me how you calculate the amount in dispute. 
Provide me with copies of any documents, ledgers, spreadsheets etc., that show that I agreed to pay this amount you claim I owe. 
Identify the original creditor. 
Identity the accurately describes any third-party cost for which you are charging me and that you have included in the disputed amount along with a complete itemized of all such charges. 
Provide me with any affidavit that the Statute of Limitations has not expired on this account. 
Pursuant to my rights under FDCPA, I will not be responding or acknowledging any further collection attempts from you until you have verified that this debt is mine. I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : a ) Violation of the Fair Debt Collection Practices Act.

b ) Defamation of Character. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-10-17
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC (PA)

XXXX XXXX ( Indigo Credit Card ) closed my credit account without prior knowledge. This company did not contact me or tell me any reasoning for closing my card account, only that it was fraud. I did no fraud on my account and was making payments monthly on the account.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XX/XX/XXXX, Capital One checking debited my account for XXXX for payment of my mortgage as has been done for years. ACH is not available even though the payment goes to another bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX ). The check was never sent. I received a past due and late fee by mail on or about XX/XX/XXXX. Inquiry with Capital One by phone revealed the check was still outstanding and I received no notice from them. They refunded the amount they improperly debited on XX/XX/XXXX and paid me for the late fee. A replacement payment was initiated through the same system, Capitol ONe 's website, on XX/XX/XXXX. I criticized their system for not alerting anyone that such a large check was outstanding for weeks. Yesterday, XX/XX/XXXX, after seeing no change in my mortgage balance ( An interim payment for the same amount was properly processed ) for the month of XXXX, Capital One informed the same mistake had happened again. My account debited 10 days ago for funds that were never sent. No alert was given to anyone about the outstanding check, and no refund has yet been issued. As of now, they have " opened a claim. '' They have still reduced my balance for thousands in a high-interest rate environment and have no intention of improving their system.
Consumer complaint received 2024-10-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. ()

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/year> Consumer Complaint Division Citibank XXXX XXXX XXXX, XXXX, Fl XXXX Account number : XXXX Dear Consumer Complaint Division : On XX/XX/year>, my tenant notified me she could not deposit her rent check in my account as usual. I called the bank to find out why and I learn that my account has been closed. They refused to tell me why and told me they will send a check with the balance to my last address in 30 to 90 days. They also told me that my ex-husband is on the account. I got divorced 3 years ago and I went to my branch to take his name off the account at the time. I told them that they had done a mistake and to please inform me what was happening. 
They refused to give me any information. 
72 days have passed and they still are retaining my money without an explanation. 
I look forward to your reply and a resolution to my problem. Please contact me at the address on this letter or at the email on this letter or by phone at ( XXXX ) XXXX Sincerely, XXXX XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-17
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (TX)

I received a letter from ProCollect Incorporated dated XX/XX/year> stating that I owe creditor : XXXX XXXX XXXX  total due : {$3000.00}. I did not receive any supporting documents : lease, statement, and/or balance due verifying that an account exist with XXXX XXXX XXXX. I am disputing this account.
Consumer complaint received 2024-10-11
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (TX)

On Monday, XX/XX/XXXX, I received a letter from Lakeview, stating that my monthly payment was increasing from {$1500.00} to {$2100.00} per month. Every year that they have service my account, they have managed to increase my monthly payment. This year they said it was because my homeowners insurance was increasing by {$270.00} per month. They said it is their policy to pay the full amount up front and then charge the customer double the amount of the increase each month, to pay them back and pay for the following year. This is very clearly just an attempt to XXXX up the price of the monthly mortgage payment, so that their customers can't make the payment and will default on their mortgage. So, I changed insurance companies, to one that is more reasonable and decided to pay the insurance monthly myself, rather than via escrow, where I would have to pay double each month. I informed the insurance company that I would make the payment and setup an automatic withdrawal for payment. Then, I contacted Lakeview to update my insurance and inform them that I would not be paying by escrow any longer. They told me that the choice to pay m y own insurance is not up to me and that they decide if I am allowed to do that. They said they would get back to me within 5 business days with their decision. Then, this morning, I received a notification from my insurance company, XXXX, that my homeowners insurance had been switched to escrow. So, I called them and asked how it had changed. They stated that Lakeview had contacted them and told them that I requested it to be changed, which is a complete and total lie. I literally spend 30 minutes on the phone with them yesterday, telling them that I absolutely did not want to do that. Is it legal for them to do that? To lie to my insurance company, and make policy changes that I have repeatedly stated that I absolutely do not want?
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CT)

Request for Full Discharge of Student Loans Due to Misleading Information and Mismanagement Attn : I am writing to formally request the discharge of my student loans due to the misleading information I received regarding repayment options and the improper management of my loans. This request is based on the guidance I was provided, which has significantly harmed my financial situation. 

Throughout the course of my repayment, I was not fully informed of the income-driven repayment plans that would have offered more affordable payment options and allowed me to work toward loan forgiveness. Instead, I was misled into choosing forbearance and deferment, which caused my loan balance to increase significantly due to capitalized interest. This misinformation has put me under unnecessary financial strain and has compounded the amount I owe, far exceeding the original loan amount. 

Additionally, there have been discrepancies in how my payment status was reported to credit agencies, negatively affecting my credit score. These misrepresentations have delayed my ability to pursue better repayment strategies and contributed to the financial burden I now face. 

Furthermore, I have called your representatives numerous times over the years, seeking guidance and clarification. Unfortunately, each time I reached out, I received little to no help. I was often left without clear answers, prolonging my financial difficulties and leaving me in a state of confusion regarding my options. This lack of support has exacerbated my situation, and I believe it reflects a failure in your responsibility to properly assist borrowers like myself. 

Given the misleading and negligent handling of my loans, and the repeated lack
Consumer complaint received 2024-10-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

This letter is to inform you of my car rental experience over the past several months with your XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, FL XXXX. And I am need of your assistance in getting this matter resolved as expeditiously as possible. 

I have rented your vehicles from XX/XX/year> through XX/XX/year> at various times. During this time, I incurred net charges of {$1600.00}. On XX/XX/year> I was charged in error in the amount of {$1300.00}, however this amount has not been reversed as of the date of this letter. Additionally, I am awaiting a refund in the amount of {$250.00} for a total remuneration of $ {$1600.00}. 

While I have taken proper measures to recover my funds, I have received countless conflicting accounts from your local store manager XXXX XXXX as well as from various members within your corporate office. 

I have been told on several occasions that the monies have been returned and the transaction has been reversed. This stands in direct opposition to all of the evidence from your internal records as well as my bank account with Wells Fargo Bank. 

Beyond the negative encounters I have had thus far, I have been charged overdraft fees by my banking institution as a result of your personnel erroneously charging my account and not replacing the funds. 

For your convenience, I have attached supporting documentation such as bank statements, XXXX ledger and a spreadsheet reflecting in simple form each transaction within the time period in question.
Consumer complaint received 2024-10-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

Someone created a debit card and pin number using my information to access my account. They took out {$3000.00} from my account at three different locations. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-27
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. (FL)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2024-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: AXOS FINANCIAL, INC. (AZ)

There is an issue with my payments to AxosBank. I have paid my load installment amount automatically on-time every month for years. However, AxosBank cancelled my automatic payments. They claim I never had an automatic payment setup with their company. I did. It was set up through their company not my checking acct bank. Their automated system says I need to talk to a representative to make my payment. The representative claims I need to speak to a supervisor. I'm told the supervisors " are in a meeting '' every time I've called AxosBank ( 50+ calls ) and I need to wait for a call back. I never receive a call back. I call their bank multiple times per week every week. I have emailed their company every week. They verified they have logs of these interactions. They refuse to help me make a payment and are now charging late fees and penalty interest due to non-payment. This is 100 % a fraudulent scam that I have spent 50+ hours to address the past few months. I don't understand how this is legal. 

Most recent important dates : XX/XX/year> : Multiple calls XX/XX/year> : Multiple calls - Promised callback by XXXX XXXX ( Supervisor ) Never occurred XX/XX/year> : Multiple calls and emailed XX/XX/year> : Multiple calls and multiple emails XX/XX/year> : Multiple calls and multiple emails Late fees assessed in XXXX. Company has provided conflicting dates of when fee is assessed. Unable to access their website despite spending hours on the phone with technical support
Consumer complaint received 2024-08-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (GA)

Debt Validation Request SYNCB/CARE CREDIT SYNCB/American SIGNATU SYNCB/ASHLEY HOMESTORE Account Number : XXXX Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt.

2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel.

Thank you for your immediate attention to this matter.
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 2024-10-18
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I told them that I've never lived at this address and also sent a copy of my ID for them to verify that it's not my account. I also requested that they send me the original contract with my signature that's listed on my ID and they have failed to do so. Please remove account. It doesn't belong to me. Thanks In advance!
Consumer complaint received 2024-10-13
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION (PA)

I was struggling to find XXXX XXXX XXXX XXXX XXXX My dads ex-wife opened a loan for XXXX under Sallie Mae without my consent. She used mine and my grandmothers SSN without permission.
Consumer complaint received 2024-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (CA)

Sometime early in 2024, my account with XXXX XXXX  became overdrawn and eventually closed with a balance owed. Between the months of XX/XX/year>2024 until now, I continue to be contacted by three separate entities for this same debt : 1st Entity : XXXX XXXX  2nd Entity : XXXX 3rd Entity : Real Time Solutions I am being contacted at the same by all 3 of the entities- which is stressful. In addition, how can the same debt be held by three different entities. This is also affecting my credit report and XXXX  report. On XX/XX/year>, I paid the XXXX XXXX  debt to the debt collector XXXX, however, I am still being contacted by all the entities named above and it still being reported on all credit reports and XXXX.