davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CA)

I was given the submission form for the School Misconduct Discharge Application after my first CFPB complaint and speaking with a NAVIENT service representative on the phone. I was never sent the hard copy in the mail that I was told to expect, but instead was sent it via the portal on their site, which I did not see until weeks later. It informed me that my loans may qualify for discharge and to fill out the application in order to start the process. 

I then took months to submit 200 pgs of information about the school 's misconduct and how it had caused harm to my life, exactly as the form instructed. It was difficult and painful at times to write, but I finally sent them the binder a week ago. Five days later I received word that my application had been denied because my loans did not qualify because they were consolidations. Only one is a consolidation, but I do not understand why they both would not qualify. I have paid far more than the principal for each at this point and continuing to collect on a fraud-based debt at 12.5 % is predatory as well as cruel. We have already paid for something that we should never have had to pay for in the first place- and yet they still want to collect on it? 

I was extremely upset by their denial of all of my application for those two loans that I have with them, totalling around XXXX, when I had been instructed that my loans might qualify. All of my Federal debt from XXXX XXXX XXXX has been wiped out as a result of the XXXX XXXX XXXX XXXX and I feel that it is cruel and grossly unfair that NAVIENT continues to collect on debts from the same school experience. They say that my loans do not qualify because they are consolidations, but I have known many others who possess the exact loans and had them discharged as a result of filling out the same exact application.

I was shown false job statistics prior to enrollment. There was no mention of the holder rule that I could find on the promissory note, which I know is a federal violation of the holder rule. These are loans that originated in a well-documented case of higher education fraud and they should all be dismissed instead of continuing to be collected upon.
Consumer complaint received 2024-09-09
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Village Capital & Investment LLC (VA)

Ive been trying to refinance my loan with another company and they sent Villiage Capital a later requesting the 30 day Pay off and after their allotted 7 day period, company called Village Capital to see if they had an update on the payoff since the 7 days were up and they said they lost it and that we needed to resubmit our request which is delaying my process Im closing. After being harassed with phones day after day they still continue to call and dont want to send the pay off in order for me to close.
Consumer complaint received 2024-09-09
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Village Capital & Investment LLC (PA)

I am trying to refinance with another company and they are refusing to complete the payoff statement. They have been contacting my daily trying to get me to stay with them and I have told them multiple times that I want to use the other company and to stop contacting me unless it is critical to refinancing my house. They have been harassing me by email, text, and calling me.
Consumer complaint received 2023-03-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

I receive occasional inbound wire payments from the XXXX. In the past, the wire fees have been waived, as per my customer status. However, that's no longer happening. Most recently, an inbound wire received on XX/XX/23 showed the amount of USD {$530.00}. The invoiced amount was for {$550.00}. The sender assured me that they sent USD {$550.00} ; BOA 's online transaction reports clearly shows a {$20.00} fee deducted by BOA ( see attachment # 1 " Fee '' ), as does the mailed BOA advice ( see attachment 2 " BankLet '' ). 

My " banker '' at the XXXX XXXX XXXX office has not responded, but in the past has also failed to reverse these charges, instead pointing to a {$16.00} or {$17.00} " fee reversal '' numbers that seem rather random. However, as you can see ( see attachment # 3 " Online '' ), the supposed reversal does not change the balance. Thus, it never happened. Pure window dressing. 

Failure to reverse fees, as promised by the bank, can constitute consumer fraud. That would be an especially unwise thing to do at a moment like this. But it may also suggest that BOA is experiencing severe liquidity problems.
Consumer complaint received 2024-09-09
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (AL)

I have received XXXX voicemails which states my owing balance and potentially being sued for my " small amount '' per the Office Manager. I have made payments twice a month to try and catch up. I have had some hardship come about recently and getting voicemails on being sued does not help my current situation. I received voicemails from a couple of people from the XXXX Alabama branch but only the Manager has left messages on dollar amount and the lawsuit. I have the voicemails that can be submitted to someone that is a supervising manager over my local branch.
Consumer complaint received 2024-09-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (TX)

On XX/XX/year> I reached out to XXXX XXXX XXXX, an apartment owned by XXXX XXXX XXXX to let them know I wanted to cancel my application and to not charge me the move in fees of {$570.00}. On XX/XX/year> they still charged me the fees so I reached out via email and phone, was not responded to by email or phone by the apartment. I disputed the charge with my bank, and got my money back. They finally sent an email after I disputed the charge, saying that they were sorry and where they could mail the check to. I told them I disputed the charge and to not worry about it anymore. Now on XX/XX/year> I get a collection notice for {$670.00} - {$100.00} more than the original move in fees, for the fees I never even authorized! They even apologized on XX/XX/XXXX, so not sure why I got sent to collections. This company is running scammy practices, all you have to do is read the reviews of the apartment and you will see all of the unethical practices they are doing.
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2024-09-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Regional Management Corporation (VI)

I am submitting this complaint regarding a fraudulent debt reported by Regional Finance ( creditor ) under account number XXXX. I was never notified about this debt via mail, nor was I given the opportunity to dispute it, which violates my rights under multiple federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ).

Details of the Violations : 1. Failure to Provide Notice ( FCRA Violation ) : Under 15 U.S.C. 1681g of the Fair Credit Reporting Act ( FCRA ), I am entitled to written notification of any adverse information reported on my credit report, including details about the alleged debt. Regional Finance failed to provide me with this notice, depriving me of the opportunity to dispute the debt, which is a violation of my consumer rights.

2. Fraudulent Debt Reporting ( FCRA Violation ) : The debt in question is fraudulent. Under 15 U.S.C. 1681c-2 ( a ) ( FCRA Section 605B ), no entity has the right to report information related to identity theft or fraudulent activity on my credit report without my permission. I did not authorize this debt to be reported. The fact that it appeared on my credit report without proper validation or authorization is a violation of my rights under the FCRA.

3. Failure to Validate the Debt ( FDCPA Violation ) : Even though Regional Finance is a creditor, under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they are required to validate any debt upon my request. I have not been provided with sufficient proof of the alleged debt, which violates this provision.

4. Violation of the Truth in Lending Act ( TILA ) : Under the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ), creditors are required to provide clear disclosures of all terms associated with a loan or credit agreement. In this case, no such disclosure was provided, further supporting that the debt is fraudulent. The failure to provide the required disclosure documents violates TILA regulations.

5. Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP Violation ) : Under the Dodd-Frank Wall Street Reform and Consumer Protection Act ( 12 U.S.C. 5531 ), creditors are prohibited from engaging in unfair, deceptive, or abusive acts or practices ( UDAAP ). Reporting a fraudulent debt without providing proper notice or validation constitutes an unfair and deceptive practice, causing harm to me as a consumer.
Consumer complaint received 2024-09-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Halsted Financial Services, LLC. (AL)

I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt.
Consumer complaint received 2024-09-09
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE (NY)

This account represent a clear breach of contract and are fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : BARCLAYS BANK DELAWARE XXXX
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcon Credit Solutions LLC (CA)

I have sent the creditors, a certified mail of a validation letter to show proof and what I owe and date, ,also calling me numerous times a week with text messages. creditor is not the original owner of the debt. They are a company that bought the debt and didnt have a wet signature of me {$660.00} XX/XX/22 Account XXXX : XXXX
Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (GA)

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

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Consumer complaint received 2024-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion has the worst website of the three credit agencies. Their website is continuously blocking access, making you jump through hopes, or simply fails to work. I am trying to put a credit freeze on our credit reports and Transunions website will not allow access, regardless of the information I provide or how many times I reset the user name and/or password.

Please force Transunion to update their consumer access and make their website work to allow consumers to protect their own information.
Consumer complaint received 2019-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (KS)

This complaint concerns the inability of the bank to communicate with its clients concerning its fraud examination and claim determination process. We are concerned that mishandling of our complaints is evidence of widespread disregard of the bank 's obligation to its customers and should be examined on a systemic basis.

Our underlying claim involves several unauthorized debits on our debit card. When we discovered them we asked the bank to cease the debits and investigate the fraud. They credited our account, then after " investigation '' withdrew the money. They never advised us how the debits were authorized, they only told us that our account usage reflected the fact that we must have known ( and therefore authorized ) the debits. After 2 requests for reconsideration directly with B of A which were frustrating and not fruitful we then filed a complaint here. 

We were contacted by XXXX XXXX in B of A Compliance on XX/XX/19. I explained our issues and concerns and she said she would get back to me. B of A issued a letter dated XX/XX/XXXX claiming to have resolved our claim and credited our account with {$460.00}. The letter does not explain how they resolved our claim. We do not know whether they reversed their their previous decision that the debits were " authorlzed '' We do not know how they determined the amount of money they credited to our account. Their assertion that the claim was resolved was hollow. 

Ms. XXXX called left me a message telling me that the claim was resolved on XX/XX/XXXX. I returned her call that day, and in fact tried her twice on XX/XX/XXXX, once on XX/XX/XXXX, twice on XX/XX/XXXX, twice on XX/XX/XXXX and once today on XX/XX/XXXX. She has not returned my call. I have no more information than I had prior to filing my initial claim. This can not be an acceptable banking practice.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lockhart, Morris & Montgomery Inc. (TX)

To whom it may concern, I am writing to dispute certain inaccurate information appearing on my credit report maintained by your bureau. Upon viewing my credit report, I noticed discrepancies in the account section, which I believe is inaccurate. 

Below are the accounts that need to be reviewed and potentially removed or corrected from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I certify that the information provided above is accurate to the best of my knowledge. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. 

According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. I am requesting that you investigate the discrepancies mentioned above promptly remove or correct any inaccurate information from my credit report. Enclosed with this letter are copies of documents that verify my correct personal information, including a government-issued identification card and any other supporting documents. 

By the provisions of the Fair Credit Report Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.

I understand that under 15 U.S.C Sec 1681 ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to ani one who received my credit report in the past 6 months. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-26
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NC)

Datax consumer report has inaccurate information about my address. Its showing various address for me on the reports and this is not correct. Am requestiing proof and statement where it shows that those address only except the one I am sending documents are my address if not provided I am demanding that this be updated to my correct and only address. There are screenshot of supporting documents showing my correct and only address that should be reporting on any reporting agencys
Consumer complaint received 2024-09-09
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Nationwide Capital Services, LLC (WI)

XXXX XXXX from Structured Settlement, XXXX XXXX. XXXX. 

They called my at work about a week or two ago. I specifically told him he is not allowed to call me at work and I hung up. He proceeded to call two more times right in a row. The last time i said, I told you that you are not allowed to call me at work and hung up. Today again he called me at work, I am front desk at a hotel, I was not here and he left a message for me to call him. When I got in I called him back and recapped that 2 weeks ago I told you that you were not allowed to call me at work. Now you called again. I told you that you can't call at my job, if you continue to call my job you will leave me no choice but to contact a lawyer. This his harassment. He started talking over me and yelling that " if you have no money how are you going to get a lawyer '' I told him that was none of his business. I specifically told you that I had XXXX XXXX XXXX and I'm just getting back on my feet. I said i have your information at home and when i am able to I will reach out and start small bi-weekly payments. Do Not Call My XXXX XXXX!!
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
XXXX : XXXX NSS : XXXX SECURITY FREEZE
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Team Recovery Inc. (OH)

This a credit agency who has been given my number by a person named " XXXX ''. I have received dozens of calls from numbers, the latest being Team Recover at XXXX. When I try to explain that they have the wrong number and that there is no " XXXX '' at this number, they hang up on me. I have blocked many of their numbers, after the fact, but then they call using a new number. They are very rude and constantly hang up before listening to my issue.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Diversified Adjustment Service, Inc. (GA)

By 15 us code1692c if a consumer notifies a debt collector wishes the debt collector to cease further communication with the consumer the debt collector shall communicate further with the consumer with respect to such dept except the company is call diversified adjustments for XXXX dollars the account number is XXXX and I have another collection call XXXX XXXX XXXX  for XXXX dollars the account number is XXXX. And I have another for XXXX XXXX XXXX for XXXX dollars the account number is XXXX and another from from XXXXXXXX XXXX for XXXX dollars the account number is XXXX and final one from div adjuster for XXXX dollars the account number is XXXX
Consumer complaint received 2024-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION (TX)

It was brought to my attention that someone has been sending or uploading cash through XXXX XXXX to a person or company I have no ties with. I reached out to XXXX and provided the name that shows up on the transaction history and advised them I have no knowledge of this company. I filed a fraud claim and explained to the representative that I believe my card information was saved at a fast food restaurant and they began to make several withdrawals from my account. In one day they hit my account 2 times. I was never even notified of the withdrawals. The bank gave me a temporary credit and then took it back and advised they found no error. They could have contacted XXXX and discovered that the XXXX XXXX name is in no way shape or form tied to me in any kind of way. I have reason to believe it happened at XXXX XXXX mile away from my house.