davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
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: U.S. BANCORP (CA)

On XX/XX/year>, I received a phone call from a person claiming he worked for " US Bank '' and XXXX XXXX, who was recommended what I know understand to be a fraudulent " Debt reduction company ''. This person took down my personal information and assured me that they would assist me in consolidating my debt with US Bank and XXXX XXXX and that I would be debt free. I trusted this person and provided them with my personal information. Later, when I looked up the company on the XXXX, I realized that many individuals had been scammed by this company. On XX/XX/year>, I called US Bank and XXXX XXXX to ask that I felt I had been scammed and I did not trust this company and I did not want to go forward with the transaction. Both US Bank and XXXX XXXX said they would conduct an investigation. XXXX XXXX concluded their investigation and reimbursed me for the amount I was defrauded. US Bank investigated and they denied my claim ; they have not provided a reasonable explanation for their denial ; they have not refunded me the {$9900.00}. that this fraudulent company charged by US bank credit card. There is absolutely no services that were ever rendered for this supposed transaction. 

Since XX/XX/year>, I have had absolutely no contact from the debt reduction company. They never provided any contract nor any sort of documentation showing that there was a transaction that took place.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (SC)

NCB Management SERVICE Illegally bought a charge off account debt without my knowledge. No verification of bought debt was received. Increases debt amount on my credit report. Ruined my credit score. 
I don't recall having a contractual relationship with this collection company NCB MANAGEMENT SERVICE. 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.

I have attached proof to show that they consistently report late. They also close and reopen the account to further punish my credit score.
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (PA)

Nelnet has manipulated my application for XXXX twice and they are now blocking my enrollment into XXXX for all XXXX of my loans. 

On XX/XX/year>, I applied for IDR for a second time on the XXXX website and based on my application, I was told on that website that all XXXX of my loans applied for the XXXX plan and that my new monthly payment would be roughly {$100.00} a month. My application was then forwarded to Nelnet to choose the repayment plan for me and I have proof they manipulated my application and changed a question to state I didnt file federal taxes, which was the reason they denied my first application ( or so they say ). I have called several times and every time I talk to someone I get a different answer as to why my application for XXXX is not able to be processed. First it was that only XXXX of my loans qualified, then it was because my spouse didnt sign the application, now, on XX/XX/year>, its because I make too much money. This is deceptive and dishonest and I still do not have a resolution. 

In addition, I still have not received any formal communication about whether or not my application is being denied or not, even though when I call, I am told various reasons why I don't qualify, yet I do qualify on XXXX 's website and my application is still in review while being told these things. 

It feels as if I'm being lied to and brushed off. The XXXX employee even raised her voice at me while I was trying to get an answer about the status of my application. 

Please note this is the second complaint Ive made to the CFPB based on this matter and their response the first time was that my application was still in review, which, in fact, it was not based on me getting a bill in the mail about a week later. This is not only taking time away from my life, adding frustration that I dont need, but it is also negatively affecting my credit as my loans continuously bounce back and forth out of forbearance while I try to attempt to enroll in a program that I qualify for as Nelnet repeatedly attempts to unfairly and unjustly prevent me from enrolling. 

I want all XXXX of my loans enrolled into XXXX and I want my monthly payment to match what I was told during enrollment ( which was the reason I enrolled ). Otherwise, I feel as if this qualifies as unfair, deceptive, and abusive practices. I only enrolled based on being told XXXX thing, and now, Ive been told several others depending on the person I talk to, and none of their made-up excuses represent the facts. 

Attached is my application that I electronically submitted on XX/XX/year> via the XXXX XXXX website, along with my XXXX as well as my spouses. Please note that the response to question XXXX in section XXXX differs from what Nelnet has on file. This is the question they manipulated on my form and was XXXX of the reasons they stated for denying my application.
Consumer complaint received 2024-07-15
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

My sister was helping me start my credit line and we tried to open a credit card with Capital one and it showed that someone had made a account in my name, So I called Capital One to see whats going on because I never open a credit line before I was starting to open up so I could start building up my credit. The Capital One Customer service says that the account been open for over a year.
Consumer complaint received 2024-07-15
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (MO)

I have unable to make an online payment for my Target RedCard account. The option is simply missing. The autopay I had previously set up is no longer processing and I no longer have an option for that, either. 
The option to contact support is also non-functional. 

I have tried multiple devices and multiple browsers. 

Contacting via phone has been unsuccessful.
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (NJ)

I am writing to file a complaint regarding an attempt to collect a debt that is a result of identity theft. The original creditor is listed as CITIBANK N.A. However, I have never had any dealings with CITIBANK N.A. and do not have any accounts with them. Despite this, a collection agency ( XXXX XXXX XXXX XXXX ) is attempting to collect this fraudulent debt on behalf of CITIBANK N.A.

The collection agency 's attempts to collect this debt are causing significant stress and concern. I believe this account has been created fraudulently due to identity theft. 

A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practice. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly, they violated my rights. 
I request that the investigate this matter and take appropriate action to ensure that the collection agency ceases its attempts to collect this fraudulent debt. Additionally, I request assistance in ensuring that CITIBANK N.A. acknowledges this as a case of identity theft and takes the necessary steps to rectify the situation.
Consumer complaint received 2024-07-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: James E. Albertelli, P.A., a Florida professional association (CO)

I received a demand letter from Albertelli Law trying to collect a debt that I owe to XXXX XXXX. At the same time, this same information showed up on my XXXX credit report showing that the total amount outstanding was " past due ''. My credit score decreased on the same day by XXXX points. 

I immediately called XXXX XXXX  and they agreed with me that the account in question is in good standing and all payments are up to date. I asked them why I received a demand letter from a debt collector. They informed me that they had recently changed to this new attorney debt collector but could not tell me why I received the letter. 

I then called the debt collector. They informed me that they were " legally obliged '' to send me a demand letter because they had recently received my file, even though the account is not delinquent and no payments have ever been missed. I asked if I should be paying them now instead of XXXX XXXX  and they said no. 

I called XXXX XXXX  again asking why they had reported an incorrect account status to the credit agencies. They denied having done so. Albertelli Law also denied having done so. The account still shows " past due '' on XXXX. Both Albertelli Law and XXXX XXXX  have informed me that there is nothing they can do to 'fix ' my credit score.
Consumer complaint received 2024-07-15
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: Credit Corp Solutions Inc. (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear CREDIT COR, I am writing to address a 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 ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that CREDIT COR 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 the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 
I assert with unwavering certainty that I have not provided consent for CREDIT COR 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 CREDIT COR 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 state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state 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 CREDIT COR will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP (FL)

The first concern is the reported charge-off on my credit history. I believe this charge-off may be inaccurate and does not comply with the legal requirements established by relevant regulations. These regulations outline specific criteria that must be met for a charge-off to be included on a credit report. In this case, I believe those criteria have not been adhered to. Therefore, I respectfully request a review of the reported charge-off.

This account has been Consolidated and I sent evidence of the consolidation.
Consumer complaint received 2024-07-15
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: Affirm Holdings, Inc (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear AFFIRM INC, I am writing to address a 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 ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that AFFIRM INC 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 the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for AFFIRM INC 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 AFFIRM INC 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 state laws. Failure to comply within the stipulated XXXX timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state 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 AFFIRM INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-07-15
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: Affirm Holdings, Inc (MD)

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft I have obtained a copy of my credit report with XXXX XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the account listed below are not connected to my current address. The information listed in this letter, which is reporting to my credit does not relate to any transaction ( XXXX ) that I have made. It is the result of identity Theft.
Consumer complaint received 2024-07-15
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: OneMain Finance Corporation (MD)

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

I have proof that my account was closed out and my money was used on my account with a results of my account being closed out I was told that I would get the remain of my money on balance with a check sent to my old addresses years ago. I nevered received any check from this or any details on my account because I been locked out of my account for years. I have did research and see that I can contact an attorney in general or the XXXX  and the CFPB for this matter all I would like it my money that is just sitting on the account being used for fees that is my benefit money and they are holding XXXX asking me to send over documents that I keep sending them. They will tell me multiple times this over and that i have to wait when I send them the documents after be told im denied or need to send more documents for proof please someone help me out with this matter.
Consumer complaint received 2024-07-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (AL)

I booked a room with XXXX in XXXX XXXX XXXXXX/XX/XXXXor my fiance and XXXX kids. 
The listing I booked included a balcony and beachview. I booked this listing for those XXXX specific amenities. 

I arrived at the hotel on XX/XX/year>. While checking in I asked the receptionist which floor is my room on. She smirked and said, ground! I informed her and showed her on my phone at the listing I booked. In front of other guest she loudly saud, I dont care what you booked, either you can take what Im giving you or go somewhere else. 

It was the day before the XXXX of XXXX there wasnt any vacancies anywhere around, so swallowed my pride went around to the room. When we got to the room it looked like a XXXX XXXX, it smelled, the A/C nor the hot water or tv worked and NO BALCONY!! 
We went back to the lobby and asked for our money back the same rude foul mouth lady said that she was the supervisor and it was up to her and she wasnt giving me nothing back. 
Embarrased we had no other choice but to go back to the room. We called numerous times about the A/C and hot water, yet they never came. 
Our booking was for XX/XX/XXXX - XX/XX/XXXX, we left on the XXXX, a day early, as the heat with no AC nor hot water became unbearable. This receptionist ruined and my familys trip and scammed us out of our money. Rooms are broken down into different category depending on the amenities, I specifically and paid for what I wanted yet I got nothing but embarrassed and my money stole. Ive spent over $ XXXX with XXXX over the lastXX/XX/XXXX years only to get treated like trash. 

I contacted Chime and filed a dispute around noon on XX/XX/XXXX, around XXXX the same day Chime responded with a denial, with no explanation. There is literally no way possible Chime investigated anything! Theyre literally taking my money without a care. This is not fair and is definitely bad business. Chime needs to show how they came up with this decision. There is literally no telling how many other customers Chime has this to, but I will not go down without a fight! 

I want my money back! 

{$1100.00} I will not be scammed out of my hard earned money!
Consumer complaint received 2024-07-15
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: Affirm Holdings, Inc (MO)

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear AFFIRM INC, I am writing to address a 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 ), as well as identity theft and fraud laws in XXXX XXXX , Missouri. 

It has unequivocally come to my attention that AFFIRM INC 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 the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for AFFIRM INC 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 AFFIRM INC 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 state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state 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 AFFIRM INC will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.