davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

Navient deadline for XXXX  renewal is in XXXX, but the deadline to submit is in XXXX. Prior to the deadline, on XXXX2024, I sent Navient, as well as the other XXXX of my loan servicers, a complete XXXX renewal with proof of income. These were paper, because the XXXX site was not taking XXXX renewals online at that time, therefor Navient was provided with a paper renewal and proof of income. XXXX of the loan servicers approved XXXX : I am well qualified within the poverty guidelines. Navient did not approve it. 
XXXX XX/XX/year>2024 - Navient PDF on their website requested signature for proof of income XXXX XXXX 2024 - Uploaded PDF on Navient website with signed Proof of Income XXXX XX/XX/year>2024 - Navient PDF wants names and addresses of income sources YTD XXXX XX/XX/year>2024 - Uploaded names and addresses ( after hospitalization ) XXXX XX/XX/year>2024 - Navient PDF is duplicate of XXXX XXXX No acknowledgement, no new information requested, still not approved. 
XXXX XX/XX/scrub> 2024 - Navient email to outdated address acknowledges no XXXX communication, threatens expiration of XXXX without renewal and raised payments XXXX XX/XX/scrub> 2024 - Written request to FSA Ombudsman for assistance XXXX XX/XX/scrub> 2024 - FSA Ombudsman email re-directs me to CFPB XXXX XX/XX/year>2024- This online filing for assistance with CFPB
Consumer complaint received 2024-10-03
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Fidelity National Financial, Inc (IL)

This company was selected to assist in the closing of my home on XX/XX/year>. Throughout the entire process, their staff was unprofessional. I was asked " did I read '' my disclosures bc I asked a question. It was also mentioned to me that staff had not taken a lunch as to indicate there were too many concerns/issues and that the process was taking too long to their liking. 

After the sale, an issue arose with the XXXX XXXX with my property. I informed my attorney and he reached out to the title company. He informed the title company that XXXX of XXXX  on my deed and commitment were incorrect. The title company replied that they only insured XXXX of the PINS and has not provided any other feedback regarding the matter. 

The issue is that the Deed and XXXX both have XXXX XXXX. Therefore, there is some acknowledgment that XXXX XXXX  were to be insured. 

How did XXXX XXXX  transfer the DEED? Who provided the PINS to be insured by this title company? Who provided those XXXX? Who is responsible for confirming the XXXX. To my understanding the title company is to research and insure the title of the home being bought. 

I need answers from the title company.
Consumer complaint received 2024-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

I have previously disputed this account. XXXX are required by Fair Debt Collection Practices Act ( FDCPA ) to send you a written debt validation notice with information about the debt theyre trying to collect. It must be sent within XXXX days of the first contactXXXX XXXX XXXX stated that they sent me a letter on approx XXXX advising me of the debt. I never received any such letter and would like proof of receipt of any letter advising me of this debt as well as a copy of the certified mail showing my signature and receipt of the letter notifying me of the debt or for this account or for this account to be immediately removed.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/year> someone run a credit check and open a bank of America credit card of XXXX. They took care it ... XXXX XX/XX/year> ... someone run again... .need to file a complaint against bank of America ... this issue never fix..
Consumer complaint received 2024-08-17
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)

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 XXXXXXXX I am requesting the immediate removal of several fraudulent accounts from my credit report under Section 605B of the FCRA, due to identity theft. These accounts are severely impacting my ability to access essential credit. I have provided the necessary documentation to support this claim and urge you to correct my credit file as quickly as possible. Your swift attention to this matter is greatly appreciated.
Consumer complaint received 2024-10-12
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

Commencing on or around XX/XX/year>, I fell victim to a multi-layered scam operation which involved me making deposits for a total amount of XXXX USD from my Wells Fargo account tofraudulent investment firm ( s )
Consumer complaint received 2024-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC (NY)

Hello, I was contacted by a debt collection company - Aldous & Associates P.L.L.C around a week ago regarding the alleged debt I have. 
The amount they provided was incorrect as I had a contract with the health center for XXXX including taxes and according to Aldous & Associates P.L.L.C the current balance was XXXX XXXX 
After I called them the first time and telling I had a contract for XXXX XXXX they told me the additional amount was for their fee as after sending the debt to collections they added their fee so that's how it got to XXXX. This was on XX/XX/XXXX. Also, I requested a breakdown of the debt to validate the debt and they did not provide it. 
So far I have not received any debt validation letter and have not received anything by mail. 
Today XX/XX/XXXX I called them back and asked for debt validation letter and they send me the email with my account number and name of the institution, debt amount, my address and ways to pay the debt. 
So I still have not received the debt validation letter or the breakdown of the debt nor the acknowledgment of how it got to XXXX XXXX After calling them today and asking about this amount and stating from the previous call that it was their fee ( according to their colleague ) they told me they did not have any fee, only payment processing which is only up to XXXX XXXX So no one is providing the information about how the debt got to this amount and they are not sending me debt validation letter. 
They said two different things on calls about the amount and one of their representatives even hung up on me after I requested debt validation letter.

I also didn't receive notice of right to dispute or any communication by mail.
Consumer complaint received 2024-10-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc. (FL)

I was sent a email regarding loan forgiveness because it has been XXXX  years. My loans have not been forgiven as of XXXX. What is taken them so long to forgive my student loans. It has been XXXX  years why do I still have students that I am paying on.
Consumer complaint received 2024-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (NY)

XX/XX/XXXX Company : Account name : XXXX XXXX Account type : Credit Card Account number : XXXX Amount reported on XXXX credit report : {$13000.00} Date opened : XX/XX/XXXX I am writing this letter to you in response to a notice I received from you. Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 g. Sec 809 ( b ) that your claim is disputed, and validation is requested. The statue on this debt has expired. 
This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following What the money you say I owe is for? 
Explain and show me how you calculated what you say I ow. 
Provide me with copies of any papers that show I agreed to pay what you say I owe. 
Provide a verification or copy of any judgement. 
Provide me with proof that I entered into a contract with your collection agency or your law firm. 
I am requesting Assignment Contracts. 
Copy of the original contract bearing my signature that I signed on for this debt. 
Payment history from the original creditor that show payments. 
I want the name and address of the original creditor. 
I want proof you either own or were assigned this debt. 
I am requesting an assignment contract. 
If your office has reported invalid information to any of the XXXX major Credit Bureaus XXXX XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character
Consumer complaint received 2024-10-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

Portfolio Recovery agent called today XXXX and asked for me by my maiden name. I asked who is calling and was given the name XXXX XXXX and she said she was calling in regards to a personal business matter and kept asking me to verify my name and I asked what office she was calling from in regards to what and XXXX XXXX was all she would say until I told her the name she was calling for was my maiden name then she told me she was with portfolio recovery. I have never had a voicemail left from XXXX nor have I ever spoken to her on the phone, she misrepresented herself to get me to confirm my identity without ever stating she was calling to collect a debt.
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

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.

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 XXXX 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 2024-10-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (GA)

This occurred with my Chime Checking account : On XX/XX/XXXX at XXXX XXXX  the amount of XXXX was charged from Chime checking account. The charge was listed as " XXXX XXXX XXXX '' and categorized as " XXXX '' I did not authorize this transaction nor did I have any idea where it came from. I was not alerted or messaged from Chime about this transaction. When I called Chime, they didn't have any real information for me. They couldn't tell me the bank/merchant who authorized this. 

Their best guess of what happened was that this was the result of an individual named XXXX XXXX who had sent money to me using the Chime " Pay Anyone '' function, then afterward filing a dispute for this transaction with her bank. 

This " Pay Anyone '' transaction had occurred a nearly a week prior on XX/XX/XXXX - XX/XX/XXXX This is when I'd mistakenly sent XXXX to XXXX using Chime 's " pay anyone '' without realizing it. Once I did, I was able to get in touch with her and she was able to return the XXXX using " pay anyone '' again. 

This " XXXX XXXX XXXX '' was not specified to be from XXXX XXXX but the total amount was the same. I am unclear if the representatives at Chime were just assuming XXXX disputed this because it was the same total amount. They really couldn't give me any information beyond what I was seeing. 

They recommended that I contact XXXX XXXX to see if she filed a dispute upon sending me money and why ; then told me to call Chime back and file a dispute ( depending on what she said ). When I reached XXXX, she denied having filed a dispute with her bank ( She could very well be lying ). 

So when I contacted Chime again, they said there was nothing they could do. Their hands were tied. I could not dispute this nor would the reimburse me for the money that was taken from my account. 

It is disturbing to me the lack of account security and information Chime had. That it would be possible for anyone who's previously sent me money to file a dispute and it would be automatically drafted my account no question. Without providing any sort of protection, validation, or notification of this transaction. Not only that, its extremely upsetting they would not even provide any attempt at a resolution. I called them twice to verify there was nothing they were going to do for me. 


Note : XXXX goes by XXXX
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

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. 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 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bounce AI, Inc. (FL)

I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX A CEAST AND DECIST LETTER HAS BEEN SENT TO ENSURE THAT ALL INACCURATE REPORTING STOPS. THIS INFORMATION CONTINUES TO BE REPORTED AS ACURATE. 

I DO NOT HAVE ANY CONTRACT WITH BOUNCE AI AND THEY HAVE NOT PROVIDED ME WITH THE ORIGINAL CONTRACT AS REQUESTED. 

UNDER USC 15 1681G- WE HAVE NOT SEEN ANY PAYMENT HISTORY ASSOCIATED. I HAVE NO CONTRACT WITH BOUNCE AI DEBT COLLECTING AGENCY. WE ALSO HAVE NOT SEEN ANY INSURANCE CLAIMS FILED ON THIS DEBT. FINALLY, WE ALSO ASKED FOR THE CHAIN OF TITLE ON THIS DEBT. THEY HAVE NOT PROVIDED ANY OF THIS INFORMATION IN THE LAST 60 DAYS. THIS IS ALL ILLEGAL. I DEMAND THAT THIS DEBT BE REMOVED FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Consumer complaint received 2024-09-27
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Kimball, Tirey & St. John LLP (CA)

I have a judgment for XXXX from XXXX XXXX XXXX small claim. I requested in court payment plan which was approved starting XX/XX/XXXX, debt collector cant lawfully ask for any payments until I default after XX/XX/XXXX and still after that date there is a process where to have to go to court to get the approval from the judge to collect. 

Kimball , Tirey & St. John LLP lied saying their client didnt get a copy of my request of making payments when in fact they have to approve my request and sent it back to court to make that possible, and I was approved to pay XXXX $ starting XX/XX/XXXX for 5 months until I complete XXXX $ owed Kimball , Tirey & St. John LLP XXXX tactically pushing me to pay weeks in advance of the approved date to start making paying and skipping in advance the corresponding process where they have 30 days to enforced a judgment in court after XX/XX/XXXX. In other words they are using methods to before date is due to have me pay them. They cant ask for anything past 30 days from XX/XX/XXXX if If defaulted
Consumer complaint received 2023-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
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. (DE)

XXXX XXXX is committing fraud by now re-aging my account. Proof is attached of their fraudulent activities. I demand this account to be removed as it violates my federally protected rights
Consumer complaint received 2024-08-14
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nelnet, Inc. (TN)

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TN, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/scrub>/2024 ] Subject : Formal Complaint Regarding Debt XXXX Violating Consumer Protection Laws Dear XXXX, I am writing to file a formal complaint against several debt XXXX who are violating my rights as a consumer under both federal and state laws, as well as specific provisions of the Uniform Commercial Code ( UCC ). These violations include unlawful practices that are not in compliance with consumer protection laws. 

The specific issues I have encountered include : XXXX. Unauthorized Withdrawals/Collections : Debt XXXX have attempted to withdraw funds from my account without my consent, which is a violation of UCC 4-403 . This section states that a bank must honor a stop-payment order from the account holder, and any withdrawal without my authorization constitutes a breach of this provision. 
XXXX. Failure to Provide Proper Validation of Debt : According to UCC 3-501, the collector is required to provide proper presentment of the debt and the original instrument that bears my signature. Despite my requests, the debt XXXX have failed to provide any valid evidence or validation of the debt they are attempting to collect. 
XXXX. Misrepresentation and Deceptive Practices : The actions of these debt XXXX also violate UCC 1-201 ( 19 ), In accordance with the Uniform Commercial Code ( UCC ), specifically UCC 3-501 and UCC 9-406, I hereby formally notify you that I do not consent to any further communication from you regarding this matter. Additionally, I dispute any claims of indebtedness and reserve all rights related to any alleged obligation to owe or pay you anything. 

Please consider this letter as a definitive statement on the issue and cease all further communication and collection efforts immediately.
Consumer complaint received 2024-07-10
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: EQUIFAX, INC. (VA)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT XXXX, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX