davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

From XX/XX/XXXX to XX/XX/XXXX I was on a cruise that stopped in the XXXX XXXX. I did not use or take my debit card off of the ship, except on XX/XX/XXXX in XXXX, XXXX. We had an excursion planned at XXXX XXXX XXXX XXXX XXXX, which required transportation via taxi. I withdrew cash on the ship, but it was only in denominations of {$50.00}, so when we arrived in the XXXX XXXX, I saw an ATM hoping to get smaller denominations for the taxi driver. When I put my card in and entered my pin, it also only offered denominations of {$50.00}, so I canceled the transaction and tried to remove my card. It would not come out, so we tried to pull and wiggle it around. A woman from the shop right next to the ATM came out and appeared to push something on the back of the ATM and my card was released. 
We then took the taxi to XXXX XXXX for most of the day. I did not make any purchases with my debit card while there. I purchased a picture for {$30.00} with cash. We took a taxi back and also paid cash. 
When we returned to the port, I purchased a stuffed animal for ~ {$15.00} in cash, a dress for {$50.00} ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) using my debit card, and a woven bracelet for {$10.00} in cash. 
We then boarded the ship and returned to the XXXX on XX/XX/XXXX. 
The fraudulent charge is for a vendor named XXXX. A quick XXXX search shows this is a kids sports complex in XXXX XXXX, which is a XXXX XXXX XXXX from XXXX. 
When I initially made this fraudulent claim, I was unsure of what could have possible been charged to my card for this much. I thought that I possibly used my card and they charged me more than agreed. After discussing with the other people with me that day, we were able to piece together what was purchased and with what method of payment. I also looked up the vendor and realized there is no way I would have made this purchase, even under false pretenses. I do not understand how USAA could not come to the same conclusion. 
I am not in a position to lose almost {$1900.00}. This cruise was a gift for our entire family from my dad- I would not have been able to afford to go on it otherwise. When I called to find out why my claim was denied, there was no real answer. I am kindly requesting the research that was done that concluded this charge was valid. I would also like to open back up the dispute for further investigation. 
Update- it has been 4 days and I have not received the documentation and the provisional claim is set to withdraw from my account in 2 days.
Consumer complaint received 2024-08-12
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Total Card, Inc. (TX)

My Total card account ending in XXXX, was charged a {$41.00} late fee and interest adjustment on XXXX. I was not late on my payment because I paid {$80.00} on XXXX. This company is always trying to added bogus charges to your account.
Consumer complaint received 2021-05-12
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. (GA)

Equifax, XXXX, and XXXX  are all reporting I owe XXXX. I do not owe this amount to the car. They are reporting it was in Bankruptcy in XXXX. The car was paid off as agree on XX/XX/XXXX. 

I started a dispute with all three credit bureau in the month of XXXX and XXXX to have the erroneous information removed. All three credit bureaus came back with the information that was correctly reported. 

According to the Fair, Credit reporting agency incorrect or information being reported on my credit report which is not accurate nor do they contact the actual business to verify the information. They completely rely on XXXX XXXX and all of their information is incorrect. 

I have included files to show proof of my efforts and all three credit bureaus refused to remove incorrect information. They have violated the number of days of validation and reinvestigation. All three credit bureaus have failed to comply with the Fair Debt Collection Practices Act. My next move is to file a lawsuit against all three credit bureaus this is my last attempt to show efforts in removing the inaccurate information.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NCB Management Services Inc. (GA)

Dear Consumer Financial Protection Bureau, I am writing to dispute an inaccurate item that has appeared on my credit report. I recently reviewed my credit report from XXXX, and I found that NCB MANAGEMENT SERVICE has reported a debt under my name that I do not owe. 

Details of the Dispute : Account in XXXX Original Creditor : XXXX XXXX XXXX XXXX Current Creditor : NCB MANAGEMENT SERVICE Disputed Amount : {$860.00} Reason for Dispute : This debt is inaccurate because I never did business with the current creditor. The original creditor sold this debt to the current company without my knowledge, and I do not acknowledge this debt as valid. 

I request that this item be removed from my credit report immediately, as it is not a valid debt, and is negatively affecting my credit score.
Consumer complaint received 2024-08-12
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: AutoNation Enterprises Incorporated (TX)

To whom this may concern, I XXXX XXXX am writing this letter because AUTONATION FINANCE has posted an account to my consumer report that does not meet XXXX XXXX compliance and has violated several consumer laws. 15US Code 6802 ( b ) opt out. The consumer is given the opportunity before the time that such information is initially disclosed, to direct that such information not be disclosed. The consumer is given an explanation of how the consumer can exercise that non-disclosure option. AUTONATION FINANCE did not supply me with proof of notification given the option to opt out of this information being reported. This is a direct violation of consumer law that carries a fine of {$1000.00}. They also failed to provide proof that they followed all of the XXXX compliance regulations for this information to be reported. No documentation was given to me showing proof of this information, simply telling me they followed rules and regulations is not acceptable for reporting. Please remove this account form my consumer report because it does not meet nor follow consumer law and XXXX compliance as I provided and proved above. AUTONATION FINANCE did not provide proof that they mailed me letters as required by XXXX. A copy of this letter has also been forwarded to the attorney general office and if this account is not removed as soon as possible legal action will be taken. After you remove this account, I demand that you cease and desist all communication, this is my official notice if you do not comply with this request, legal action will be taken.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

My loan got purchased form XXXXXXXX XXXX XXXX to NEWREZ and it has been absolutely horrible. This happened in XX/XX/year>. During this period myself along with every other florida resident receive a massive increase on insurance. Do to this I have been trying to get my insurance escrowed for over 4 months now. I originally tried to get this done prior to switching insurance. Overall I am currently not paying money into escrow do to NewRez not doing it. I have gone around and around with them and they do nothing. Absolutely worse experience I have ever had with a mortgage company. Item is still not resolved. Felt I had to do something so I figured I would reach out to the CFPB.. I had no option of working with New Rez, I have heard for many years they are horrible, not sure if this will even do anything but I really have no idea how they are able to conduct business.
Consumer complaint received 2024-08-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I filed a complaint that Mohela only XXXX XXXX of my student loans. They responded that because the other loans were under consolidation process they did not do those. All of my loans should have been XXXX under settlement. Mohela has instruction to discharge these loans and has until XX/XX/year>.
Consumer complaint received 2024-08-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TN)

I received a credit report alert on XX/XX/year> that my credit score had changed due to a purported XXXX collection account. My XXXX account is not overdue nor has it been in the past ( please see current bill summary in attachment ). 

The company below is obviously engaged in deceptive trade practices, attempting to extort easy money by planting false information in individual credit reports. 

In this case, the company below is claiming I owe XXXX {$520.00}. 

The facts are : I have had the same XXXX account and phone number for approximately 13 years and have never co-signed on any family member accounts or knowingly allowed use of my social security number on anyone else 's account. 

The company reporting false information on my credit reports is : Jefferson Capital Systems , LLC XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (CO)

Wednesday XX/XX/year> I was hacked through XXXX and they were able to get onto my phone with an app they had me download. I was gullable and downloaded the app. They were able to navigate my phone as me and by the time I realized I was being scammed they had already made a {$980.00} Zelle transaction to themselves as a XXXX XXXX! They had also tried to change my address on file at my bank as well as well as locking me out of my face book and trying to lock me out of my emails so I could fix this! My XXXX  account and Zelle refused to make this right! I was barley able to pay my bills this month! I have made a XXXX XXXXXXXX report as well as from my XXXX  account and tried to through Zelle as well. It is not right That we are not protected through these type of transfers! I had to change all my accounts and passwords for multiple apps and my bank this last week. Please help me recover my money!
Consumer complaint received 2024-08-09
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

This is not my debt.. I says it is from XXXX yet I did not have a XXXX account under my name and social security number. They tried this almost 7 years ago and it seems some bogus collection agency has picked it up and is trying to collect again. 

I have not had ANY credit in the last 7 years and now that I have FINALLY cleared my credit report they are attempting to scan me. 

XXXX or the collection agency has not provided me anything to show I had this account under my name and social security number.
Consumer complaint received 2024-08-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (TX)

I sent the payment through Zelle using my XXXX mobile app. XXXX told me this payment is pending and will not be received if this fraudulent person 's account is not verifiable. The scammer hacked other people 's social media, including my friend 's, and tricked me into sending money to her for investment purposes. She is enrolled in Zelle at XXXX. Her Zelle should be suspended.
Consumer complaint received 2024-08-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NV)

To Whom It May Concern : I am filing this complaint to formally address the unfair, deceptive, and predatory practices employed by LVNV Funding LLC in their attempts to collect a debt from me. Their behavior is in direct violation of my rights as a consumer under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. 

Details of the Complaint : 1. Misrepresentation of Debt : LVNV Funding LLC has repeatedly misrepresented the amount and legitimacy of the debt they claim I owe. I have requested documentation to verify this debt, yet LVNV Funding has either failed to provide adequate proof or completely ignored my requests.

2. Harassment : LVNV Funding has engaged in persistent harassment, including frequent phone calls and letters, despite my clear instructions to cease communication until they can validate the debt. This has caused significant emotional distress and is a blatant violation of my rights.

3. Reporting False Information to Credit Bureaus : Despite my disputes, LVNV Funding LLC has reported inaccurate information to the credit bureaus, damaging my credit score and causing undue financial harm. This act of reporting unverified and incorrect data is both illegal and unethical.

4. Failure to Comply with Verification Requests : As per the FDCPA, I have the right to request verification of any debt. LVNV Funding LLC has failed to provide the necessary documentation within the legally required timeframe, further proving their lack of integrity and accountability. 
5. Threatening Legal Action : Representatives from LVNV Funding LLC have threatened legal action without any intent to follow through, which is an intimidation tactic prohibited under federal law. These threats are not only baseless but are also a deliberate attempt to coerce payment under false pretenses. 

Resolution Sought : I demand that LVNV Funding LLC immediately : 1. Cease all collection efforts related to this disputed debt until they can provide full and legitimate verification.

2. Correct any and all inaccuracies reported to the credit bureaus, and provide written confirmation of these corrections. 
XXXX. Refrain from any further harassment or unlawful threats of legal action. 
4. Provide compensation for the undue stress and financial harm caused by their actions. 

Failure to comply with these demands will result in further legal action and escalation to other regulatory bodies. I trust that the Consumer Financial Protection Bureau will take this matter seriously and hold LVNV Funding LLC accountable for their blatant disregard of consumer rights.
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

The company Capital One actually I am pretty certain and have been calling the correct authorities to confirm this, but I am very certain that they have broken the usury laws, and it has become a predatory lending issue. They are charging me 18 % and the XXXX in SC that I can find online, but still don't have XXXX solid sources of this, but the XXXX should be 16 % interest on a car loan. 

They have been charging me {$350.00} a month for a car that is not even worth that. I have bought the car used a year ago for over XXXX and now still owe about XXXX and after a year of payments and a XXXX blue book research of my car, it comes in at a price of {$4500.00} now. That's a massive difference between what they still wish to be paid, compared to what it is worth. 

They have started the repo process, but not totally sure they really know where I am. I would like to keep the car, but drop the interest down to something reasonable. I need these payments to be well under {$250.00} a month and I can make those payments and get caught up on the money that is behind, but rather, since they are pretty much caught breaking the law then they will be forced by court to pay back all the interest they acquired that was illegal, that can go towards my car payments. 

Furthermore, I am not trying to get anything free, just fair and legal. Even 16 % is way too high, and I didn't know this when purchasing the car, but now I am very aware of it and my rights and the law.
Consumer complaint received 2024-08-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (NC)

Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Consumer complaint received 2024-08-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (MI)

I was closing on my home XX/XX/XXXX last Friday. I got an email from my title company or from what I thought was my title company but come to find out. It was a scammer somehow got into their system with use their title name and someone that works their email And email me to wire my closing cost to Citibank in Delaware once I found out that it was not real when I reached out to my title company, I went to my bank, which is XXXX XXXX  to tell them to stop the transaction. Please stop it so then after all of that I find out that Citibank in Delaware that branch is closed, just find that out today XX/XX/XXXX im filing this complaint because I really need my funds return as soon as possible so I can have somewhere to live because Im currently homeless that money was the money from me selling my home Dont know what else to do. I was told to do this. I already filed one complaint with my bank. Theyve been reaching out to me now I need help with Citibank. My bank has been telling me to also file another complaint I dont know what else to do
Consumer complaint received 2024-08-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I sent Navient a School Misconduct Application ( 1 account that included 3 loans ) for XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. Received an application confirmation letter for only 1 loan via mail dated XXXX XXXX XXXX, and then a School Misconduct Discharge Approval dated XX/XX/XXXX for the 1 loan. The problem is that my account has 3 loans. On my application I put down all 3 loans. XXXX XXXX XXXX and 2 Tuition Answer Loans. When I received the application confirmation letter it never acknowledged the 2 Tuition Answer Loans, only the 1 XXXX XXXX Loan number. The Approval letter came and still no acknowledgement of the 2 Tuition Answer Loans. The XXXX XXXX XXXX was Approved for Discharge. I have received no refund to date.

I called a number on my letter Notice of Intent to Litigate and talked with a XXXX XXXX XX/XX/XXXX. He said the reason why these 2 loans were not discharged was because I transferred this money to go to XXXX XXXX XXXX XXXX 9 years later. Obviously, he had no idea what he was talking about but insisted he was right and wanted to argue. 
I emailed the Office of the Customer Advocate Navient and received the attached letter in regard to why the 2 Tuition Answer loans are not covered. It states that the Holder Rule only applies to loans sent Direct-to-School. And since my loan funds were sent to me that makes me ineligible. In paragraph 4 line 2 it reads three Tuition Answer loans were sent to you directly. ( There are only 2 Tuition Answer loans. ) Additional background information : - Attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX full class member Federal student loans fully discharged now XXXX became Servicer in XXXX when I started having problems with Navients payment processing. Kept private loans with Navient. 
XXXX XXXX XXXX Bankruptcy discharged XX/XX/XXXX - Co-signer ( husband ) passed away XX/XX/XXXX - Filed a CFPB complaint XX/XX/XXXX, re : unauthorised reversal of payments by Navient. Navient took Federal loan payments and applied to private loans without my consent. I asked for proof and they said I would need a court order. 
- Filed a CFPB complaint XX/XX/XXXX, re : harassing phone calls by Navient - Filed a CFPB complaint XX/XX/XXXX, re : Illinois Attorney General follow-up with complaint filed regarding Navient collecting on loans included in bankruptcy, payment processing