davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

Hello, Account # : XXXX A payment will be scheduled to be taken out on XX/XX/2021 which will bring the account current. This is a forewarning that if AES does not reflect the payment being taken out on that date and a false report to the Credit Bureaus is received, AES/PHEAA will face consequences. In addition to the level of fraudulent behavior that has been occurring from charging Interest incorrectly, to recording borrowers over the phone without their express permission, AES/PHEAA has also in the past incorrectly reported balances and statuses of the account to the Credit Bureaus, which I intend to defend the legitimacy of with irrefutable proof. 

AES/PHEAA has also intentionally delayed Loan Forgiveness in certain situations for ulterior motives to gain profits. 

The following activity has been made due to these unfair business practices. 
-The District Attorney 's office has been contacted. 
-I 've made contact with New York and Massachusetts regarding the violations which were alleged, and ongoing documentation is being gathered to build a potential lawsuit -A payment in the amount of {$380.00} will be made/scheduled on XX/XX/2021. If at any time after XX/XX/2021, AES/PHEAA decides to report that the account is 30+ days late on that date, this will be additional behavior which will be added to the list of incriminating points within the complaint, and XXXX XXXX XXXX XXXX and the CFPB will be contacted immediately reporting the false allegation which will force auditors to review your Systems. 
-My attorneys will be contacting each company individually by phone prior to filing the complaint with the court. 

AES/PHEAA XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AES/PHEAA XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: NAVY FEDERAL CREDIT UNION (IL)

In combination with XXXX, Navy Federal has either closed on denied my applications without my consent, knowledge or ensuring their loan officers, processors and/or underwriters were abiding by the many laws, rules and regulations put in place to protect the public. In addition, I am a protected class member, falling under 5 of the 9 member groups. 

I identify as an XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX. As for XXXX, I identify as XXXXXXXX XXXX XXXX, over XXXX XXXX XXXX, XXXX veteran ( 100 % XXXX XXXX XXXX  as of XXXX by the department of veteran affairs ) as identified by many federal and state statues ( currently TX and IL ) including Civil rights acts of 1964 and the ADA. 

It should also be noted that during Navy Federal opting out to allow me to obtain mortgage loans, I have been approved multiple times by multiple mortgage lenders. 

First application XX/XX/XXXX while still living in XXXX, TX, provided NF with the Loan estimate requested by the bank and they never provided any response if they would meet, beat or new terms based on the XXXX XXXX XXXX At this time the only property being sold was the other XXXX I owned. 

I applied again XX/XX/XXXX informed NF about my XXXX and limitation and even informed the loan officer of this as well. XX/XX/XXXX, received a denial package ready notification. 
The loan officer was asked to open the portal to allow me to submit all required docs, as I informed XXXX I keep them handy and updated, never received any request but received an email denial.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Contemporary Information Corp (NC)

To whom It may Concern The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name XXXX XXXX XXXX XXXX XXXX Report # XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, NC XXXX There is no SSN # or Amount. I never lived at the above address. I looked at my CIC tenant report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-08-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc. (FL)

I sent USCB a certified letter back in XXXX asking them to send me proof of verification and I just received another letter which is not what was requested from them. 
I received from the post office return signature which I have enclosed
Consumer complaint received 2024-08-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Credit Control (CA)

I was XXXX XXXX by a XXXX XXXX and have medical bills of which I need to pay, unknowingly. 

In XXXX I was seen by XXXX XXXXXXXX XXXX XXXX with an agreement that they would be paid once trial was finished and a settlement was established. 
In XXXX they sold my debt to a debt collector and both of which reported me to the credit bureau breaking the agreement as trial did not end until the very end of XXXX. 

XXXX XXXX Sold my debt to CONTINENTAL CREDIT CONTROL CONTINENTAL CREDIT CONTROL Then applied interest over the years on a medical bill which has an agreement/ no indication of establishing interest on this debt. 

CONTINENTAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Reference XXXX Letter XXXX As of XX/XX/XXXX you owed : {$3500.00} Between XX/XX/XXXX and XX/XX/XXXX : You were charged this amount of interest : + {$1600.00} You were charged this amount of fees : + {$0.00} You paid or were credited this amount towards the debt : - {$0.00} Total amount of the debt now : {$5100.00}
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Consumer Portfolio Services, Inc. (NY)

I noticed inquiries on my 3 major credit reports that I never gave permission for these companies to run my information. XXXX  XXXX  on XXXX Consumer portfolio service on XXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/year> and XXXX XXXX XXXX on XX/XX/year> XXXX Please remove these inquiries as I never gave permission
Consumer complaint received 2024-08-27
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

On XX/XX/XXXX, XXXX transferred XXXX but here I only received XXXX in my checking account, XXXX less hidden plus a fee of XXXX, in addition XXXX had already charged me USD XXXX for the transfer.
Consumer complaint received 2021-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (MI)

Ive contacted the credit bureaus on XXXX, XX/XX/2020 and XX/XX/2020 about removing a chapter XXXX bankruptcy off my credit report. They provided me with false information saying that they verified the bankruptcy with the court. Which was proven to be a lie, which goes against the credit fair act. Ive contacted the bankruptcy court to ask about this. They sent me a letter stating that they DO NOT verify, or send any information to credit bureaus. So ive been trying to have this bankruptcy removed from my credit report for quite sometime now. It is really holding me back from what im trying to accomplish. So im really hoping filing a complaint will help me. I have the letter from bankruptcy court stating they dont provide information, or verify with the credit bureaus. That i will attach. Thank you
Consumer complaint received 2024-08-27
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Illinois Collections Inc (AL)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-08-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK (TX)

This is about the checking bonus from the First Horizon Bank {$450.00} checking bonus that requested maintenance of an average daily collected balance of {$5000.00} in the total deposit balance and a minimum of 10 qualifying client-initiated transactions for each statement cycle for the first 3 full statement cycles. 

XX/XX/2024 - account open at a local branch and deposit a check over {$5000.00} on the day of account opening ; XX/XX/2024 - XX/XX/2024- maintain over {$5000.00} daily balance and over 10 qualifying client-initiated transactions for each statement ( in each monthly statement ) ; XX/XX/2024 - contact customer service for the bonus deposit, and respond that 3rd cycle is pending ( while the statement is already out in XXXX... ) ; XX/XX/2024 - XX/XX/2024 - contact the client manager at the local branch and the manager helped to check my account status and can not explain the reason of bonus not posted. At the end, he assisted to put a request to the internal bonus determination department ; XX/XX/2024 - The local client manager told me to contact the customer service online as he can not get the answer and clarification neither after waiting for 1 month. Called customer service and the representative pushed me back to the local branch as my account was opened at the local branch. This is so frustrating and never had such a bad customer experience before. After so much pain and patience with the waiting, a clear and detailed clarification from the bank is surely deserved!
Consumer complaint received 2024-08-26
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC (TX)

I have received unsolicited text messages from Cedars Business Services, who claim I have an unpaid debt I did not incur and who do not have authorization to text me. I received the following today with personal information redacted.

[ name ], Cedars Business Services reminds you of your past due balance of XXXX XXXX from [ ]. View your acct here : [ ]. Use Ref # [ ]. Need help? Call XXXX. This is a communication from Cedars Business Services , LLC, a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose. Text STOP to opt out
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Attempting to login to the 3 credit bureaus to ensure me freezes are in place ; I was locked out when trying to login to TransUnion ( the other 2 worked fine ). I have called 3 different numbers at TransUnion, waited on hold, entered information, been hung up on 6 times, been told the person verifying my info did not have ability to reset. Via online search I can see from dozens of similar complaints that this is an attempt by TransUnion to scare me or goad me into signing up for a subscription. I simply need my online login reset.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC) (FL)

The collection agency bought a debt with my name on it from another company. There is no such debt owed, and my car payments are always paid on time. They have been harassing my work place to the point they had to be blocked. They impersonated their credentials with each call claiming they were a lawyer.The company 's name is National Managment Recovery. The caller that claimed to be a lawyer gave the name XXXX XXXX ( the first few calls and no name given afterwards. the caller claimed they did not have to give any such identifying information ).. 
XXXX They have made threatening comments and were rude to the call taker. They made unecessary threats of garnishments. I have received no paperwork and no calls/voicemails. This is a spam attempt.
Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

They have received the affidavit listing all of the legal violations of the Fair credit report act which are {$1000.00} per violation per their laws. They at this point have chose to default and not adhere to the legal statue and codes refusing me the legal remedy Im entitled to as a consumer Section 604 ( f ) prohibits any person from obtaining a consumer report form a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that he report will not be used for any other purpose.
Consumer complaint received 2024-08-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Check Recovery Bureau, Inc. (AZ)

I am not the debtor. I have not been married to the debtor for 20 years. 

Receiving repeated, multiple calls from spoofed numbers in a row, on the same day. 

Attempted to get my number removed and the company hung up on me repeatedly, then forwarded my calls to voicemail to avoid receiving the notice to stop contacting me.
Consumer complaint received 2024-07-29
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: ALLY FINANCIAL INC. (MI)

On XX/XX/year> I received a voicemail message at XXXX XXXX from XXXX. 
I returned the call to XXXX on XX/XX/year> at XXXX and was on the phone for 7 minutes with a male agent. He looked up my account, confirmed with me it was for my XXXX XXXX, and that the last payment made on the account was {$1500.00} and that I no longer had an outstanding balance, and it was paid in full. I said, are you sure because you guys left me a message saying I owe you money. This was a lease, I turned it in to the broker/dealership, and I was under the assumption everything got paid. He said, yes, I show no balance. I said, great, then can you send me a paid in full letter, he said yes, verified my address, put me on hold and then came back and said the letter was sent and I would receive it in 7-10 business days. 
I then received a letter on XX/XX/year> saying I owed XXXX and if I didnt resolve it in 10 days I would be sent to collections. 
I called the number on that letter XXXX on XX/XX/year> at XXXX and spoke to XXXX XXXX and explained everything above. She told me she had no record of the call made on XX/XX/year>. I told her I do have a record ( and I still do ). She indicated to me that she would put any actions to my file on hold until XX/XX/year>. She did this as that was the maximum amount of time it would take for the 7-10 business days to pass since the letter was sent. I agreed I would call back on the XXXX regardless of having received the letter. 
On XX/XX/year> I received a call from XXXX XXXX at XXXX and was asked to pay the XXXX. I asked her to please read the notes on the file and she told me the account can not be put on hold and that I was given the incorrect information by XXXX XXXX. I let her know that I received the paid in full letter the night before. She then asked me to send that letter to the recovery department email. Id did that and provided the letter that stated my account was paid in full. 
I did not hear back from her, so I called in and spoke to an agent named XXXX who said he cant transfer me to her, only send her a message to return my call. She didnt call back. I called in today and was told by XXXX XXXX that my account has a note on it that I have retained counsel ( I have not and they have received no such information ) and so no one is allowed to speak to me on my account. I need this resolved ASAP and am going in circles with Ally. Thank you for your consideration.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion has my account locked-out they will not let me log-in and/or do anything online I am trying to freeze my credit with them I can not get help either thru chat ; online assistance ; or thru the phone keep telling to submit forms which then say " verification failure '' I am being treated unfairly - they have me at their mercy and will not help
Consumer complaint received 2024-08-26
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NC)

I have submitted a complaint previously regarding Navient. I applied for private loan forgiveness on the basis of attending a fraudulent school and/or via XXXX  XXXX XXXX. I absolutely qualify for this relief, but was denied and the company refuses to provide information as to why outside of a generic statement that they have been sending to everyone. I have also not received a copy of my promissory note. I called Navient on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX requesting a copy, it was supposed to be emailed to me, Ive not received anything. On XX/XX/XXXX I was told a copy would be emailed and physically mailed. On XX/XX/XXXX I was told it was mailed to the co-signer, there is no co-signer on my loan. The rep again said it would be sent, Ive still not received a copy. Navient should not be able to continue to collect on this debt. How is the not considered fraudulent? I should be released from the loans in question.
Consumer complaint received 2024-08-26
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: CAINE & WEINER COMPANY, INC. (VA)

I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2024-08-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NY)

no resolution of issue no ability to speak with anyone in credit office as all accounts are joint accounts no fraudulent activity was done the error was a keystroke or bank error totaling a whopping XXXX dollars which was returned to my sons account they are XXXX realistic as i have been a customer since XXXX
Consumer complaint received 2024-07-29
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (FL)

It has come to my attention that several provisions of the Uniform Commercial Code ( UCC ) were not applied appropriately in relation to the transaction identified by NAVY FEDERAL CREDIT UNION ON ACCOUNT XXXX UCC 3-306 : Defense of Fraud in the Factum UCC 3-603 : Discharge by Cancellation or Renunciation UCC 3-602 : Discharge of Obligation UCC 3-104 : Negotiable Instruments UCC 3-311 : Settlement of Claims The non-compliance with these UCC provisions has caused significant inconvenience and financial detriment. I kindly request that you address these issues promptly and take corrective actions to rectify the situation. Please provide a detailed response outlining the steps that will be taken to ensure compliance with the relevant UCC sections and to resolve the matter satisfactorily.

I appreciate your prompt attention to this matter and look forward to your response within [ reasonable timeframe, e.g., 14 days ]. If you need any further information or documentation from my end, please do not hesitate to contact me.

Thank you for your immediate attention to this important issue.