davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (PR)

More than three weeks ago, my account was blocked due to a verification issue. Despite providing all necessary identification and documentation in person at the Citibank branch in XXXX, I have been unable to access my funds. The verification process involves sending a code by mail, which takes 7-10 business days to arrive. This outdated method is highly inefficient and prevents access to my account despite my in-person verification. 

This situation is not unique to me ; many other customers have reported similar problems on social media and XXXX. It is concerning that a major bank in 2024 still relies on such an outdated and cumbersome process, causing undue delays and inconvenience. 

I have now waited for over 45 days without a satisfactory resolution or explanation. I have also filed a complaint with the Better Business Bureau ( BBB ) due to the lack of progress and the significant impact on my financial situation. 

I request an immediate and thorough investigation into this issue. I urge you to unblock my account without further delay and restore access to my funds. Please provide a detailed explanation for the account block and confirm once my account has been reactivated. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-08-10
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: Credit Corp Solutions Inc. (IL)

Dear XXXX, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the Missouri Credit Reporting Act. 

It has unequivocally come to my attention that XXXX has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law provides specific protections for consumers regarding credit reporting. These laws emphasize the necessity of consumer consent for credit reporting and establish clear guidelines for the fair reporting of consumer credit information. 

I assert with unwavering certainty that I have not provided consent for XXXX to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 
I demand, with the utmost certainty, that XXXX immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and the Missouri Credit Reporting Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that XXXX will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Consumer complaint received 2024-08-14
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (MD)

On XX/XX/year> to sent a validation letter to Transworld Systems ( debt collector ) asking them to validate the collection and debt. My address in record was also incorrect. I had not received communication from them or the original alleged debtor. Communication from the original debtor had also gone without a response. 

XX/XX/year> - After 30 days I sent a dispute to state that the debt did not belong to me and I was disputing the debt. I disputed with XXXX, XXXX and XXXX but the records remained. 

XX/XX/year> - TSI sent an e-mail offering a reduction in debt. Responded disputing debt, requesting for validation and proof and request to remove from credit report until resolution had arrived. 

XX/XX/year> - I contact the credit XXXX, XXXX and XXXX once again, providing evidence of communication to the TSI. Requesting for a removal of this record as it was inaccurate. Contact address of TSi with credit reporting agency and contact address provided was different. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSWORLD SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - XXXX removed this collections, XXXX and XXXX wrote to state that they had investigated and validated the debt as correct. 

XX/XX/year> - I responded to TSI via email and sent email, once again asking TSI for proof of debt owed or removal.
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (IL)

I filed reports with the FTC and law enforcement for identity theft. I sent certified mail to XXXX to block all accounts on the report as well as any collections resulting from said accounts. Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) I ask that XXXX remove these collections from my account within XXXX business days : LVNV Funding LLC XXXX LVNV Funding LLC XXXX LVNV Funding LLC XXXX I never heard of this company nor have I agreed to or entered into any contract with this agency. They fraudulently obtained my information from accounts that were opened as a result of identity theft. Those fraudulent accounts have been removed. I request that pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that this information be removed and blocked from my credit report.
Consumer complaint received 2024-08-11
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. (NJ)

I am writing to dispute a concerning issue regarding the personal & financial privacy notices and opt-out annually statements provided by XXXXXXXX XXXX  XXXX Citibank, XXXX XXXX  XXXX XXXX the above FINANCIAL INSTITUTIONS are subsequent reporting of this information to consumer reporting agencies. It has come to my attention that my personal and private financial information was disclosed to NON-AFFILIATED THIRD PARTIES ( XXXX XXXX XXXX ) without my consent which is a direct violation of the Gramm-Leach-Bliley Act ( GLBA ) and constitutes non-compliance with the protections afforded to Nonpublic Personal Information ( NPI ) The GLBA mandates that financial institutions must safeguard customers ' personal and financial information and are prohibited from disclosing such information to third parties, including consumer reporting agencies, without explicit consent. I have not provided any authorization for the disclosure of my account closure to any consumer reporting agency, and I believe this action is a breach of the privacy protections I am entitled to under the law. 
I demand the immediate correction of this unauthorized disclosure of my PERSONAL FINANCIAL PRIVATE INFORMATION Please take the necessary steps to ensure that this information is not reported or is removed from any consumer reporting agency records. Additionally, I request a written confirmation that this corrective action has been completed.
Consumer complaint received 2024-08-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (GA)

I am writing to formally file a complaint against Nelnet, my student loan servicing company, regarding their mishandling of my account and the inaccurate reflection of my payments. 

Despite my consistent and timely payments to my student loan account through Nelnet, and receiving confirmation from Nelnet that these payments have been received, their website does not accurately reflect these payments on my accounts. This discrepancy has resulted in my account being incorrectly marked as delinquent or late on payments. 

I have called Nelnet 's customer support multiple times to address this issue, spending many hours on the phone trying to resolve it. Despite these efforts and enduring long hold times, the problem remains unresolved. My account continues to show an incorrect status, which is causing me significant stress and concern. 

The payments that I made that were not posted to my account in a timely manner include my payments for XXXX, XXXX, and XXXX. While Nelnet did post my payment for XXXX as an " other '' payment type rather than electronic ( there has been no change in the way I am making my payments ), payments are still not showing for XXXX or XXXX. 

I am worried that this inaccurate reporting will negatively impact my student loan balance and could potentially lead to a default on my loan through no fault of my own. This situation is not only unfair but also detrimental to my financial standing. 

I request that the Consumer Financial Protection Bureau investigate this matter and assist in ensuring that Nelnet accurately updates my account to reflect my payments and corrects my account status promptly. 

Thank you for your attention to this serious matter.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Mercury Financial Intermediate LLC (AZ)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-08-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BMO Bank, N.A. (CO)

I asked the company BMO to close my credit card account, which has a XXXX balance, and they will not do it. 

Per a related CFPB complaint, CFPB # XXXX XXXX, they closed this account in mid-XXXX  ( see attached response from company per complaint ). 

However, I recently got another statement from them with a closing date of XX/XX/year>, so they did not actually close my account ( see attached statement from BMO ). 

Thanks in advance for your assistance with this!!!
Consumer complaint received 2024-07-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

Identity theft in XXXX and again banking and securities fraud in XXXX and XXXX collapsed my 5 trust accounts. I late payments were a result of fraudulent overtake of my online banking. All accounts have been settled since XXXX. But I lost access to my asset backed open ended credit lines due to the Credit Reporting Agencies- not bureaus -- ' inaccurate reporting and failure to stop and correct the record. The Credit reporting agencies as defined by 12 USC ~5491, have incorrectly reflected my strong payment history, ability to pay, and financial responsibility : XXXX XXXX ; in full and on time for 42 years ... yet the agencies reported hard pulls from that company and inquiries where none existed... 
Being of sound mind and of the age of majority I hereby notice y0ou of my recession of signature for use expressly and implied on any documents, but not limited to electronic signatures or blank endorsements on securities, liens, and judgements issued before now after said notice and provide this notice of reelection by breech of trust and do hereby demand that they cease and desist all negative reporting measures in regard to collecting and furnishing information publicly displayed and privately obtained and collected through a third party and not through this original creditor, myself, as principal and surety of the accounts.
Consumer complaint received 2024-08-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: General Motors Financial Company, Inc. (PA)

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts have violated my rights.

Pursuant to 15 USC 1681 section 602 ( a ) states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 ; It also states a consumer reporting agency can not furnish accounts without my written instructions.

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (NY)

from XX/XX/XXXX until XX/XX/XXXX citibank stole {$14000.00} lied cfpb cover up committed draud broke close a dozen state federal bank laws as well violated XXXX terms in user agreement contract and negligence caused me to loss everything trauma and damages worth XXXX  accepted over {$14000.00} in direct deposits from state ny belonging to me and put them into someone else acct. informed me the acct was incoming only due comprmised hacked acct they put the first XXXX into assured me no one can touch my money branch manager at XXXX sent me to XXXX  to open up my own acct so they could transfer any future incomingdeposits. the guy opened me an acct told me no info didnt give me temp card online banking nothing! then ontop of that they never told me about the {$14000.00} they kept allowing to go ito an acct not belonging to me and never transferred to the acct they had me open or never even informed me. then let someone withdrawal all my deposits sent from nydol. only way i foud out wen i just fially got pay istory from XXXX. then i call citi priority tryiinng get bottom of it. next day they illegally added my name to acct they accepted deposits too plus keep giving us fake statements. ones that dont show the fraud they committed then lied cfpb
Consumer complaint received 2024-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (TX)

I'm writing to highlight an issue of concern in my credit file. I've discovered a collection entry from your agency that I was previously unaware of. Additionally, I have significant reservations about the legitimacy of the claimed debt. Exercising my rights under the Fair Debt Collection Practices Act, I formally request debt validation. Please provide the necessary validation and take appropriate measures to resolve this matter.
Consumer complaint received 2024-08-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (VA)

On XX/XX/2024, I used a coupon enrollment for a {$900.00} bonus ( see attachment ). Step XXXX was to set up a direct deposit by XX/XX/2024 for a {$300.00} checking bonus. This was completed and the {$300.00} awarded on XX/XX/2024. 

Step XXXX was to deposit {$15000.00} in the savings account by XX/XX/2024. This was completed on XX/XX/2024. 

Step XXXX was to maintain the {$15000.00} through XX/XX/2024 for a {$200.00} bonus. This bonus was never applied. 

Step XXXX is by completing the previous XXXX steps, you get a {$400.00} bonus on top of the {$300.00} and {$200.00} bonuses. 

Having not seen the savings bonus, I set up a meeting at my local Chase branch located XXXX XXXX XXXX, XXXX, VA on XX/XX/2024 at XXXX and met with XXXX XXXX XXXX ( See attachment of meeting confirmation and subsequent one-sided communication with the bank. ) At this XX/XX/XXXX meeting, XXXX XXXX assured me that I had met the requirements for the savings account bonus, showing me on his screen that this was the case. He advised that it can take a week or so for the system to " update '' and that I should see the bonus by the end of XXXX or early XXXX. He also said he would send me an email as a follow up if I had any questions. 

He never did. 

I followed up on XX/XX/2024, emailing XXXX XXXX directly asking for a status update. He never responded. 

I followed up again on XX/XX/2024 emailing XXXX XXXX for an update, or to escalate. He never responded.
Consumer complaint received 2023-12-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

I took out a XXXX XXXX loan for graduate studies but had to pause a month in due to personal reasons. I returned the excess funds to the loan servicer, mistakenly thinking this was the correct procedure. However, now Ive learned that I owe the school for the amount the loan servicer is supposed to refund. Its been 2 months since the refund was processed, and I have not received the specified refund amount in my bank account.
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (FL)

Payments were made on the account for {$1500.00} on XX/XX/ and {$1900.00} on XX/XX/. I received payment confirmation notices from Edfinancial for both payments. However, my account balance has not been adjusted online to reflect these payments. Additionally, neither payment was deducted from my checking account. As a result, additional interest has been accruing on my student loans. I have also received a 30 day delinquency notice from Edfinancial on XXXX. 

I contacted Edfinancial about this, they escalated it to their finance department but have not been able to resolve it. I am concerned about accruing additional interest as well as the threat of delinquency.
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EdFinancial Services (IL)

On XX/XX/XXXX I sent Edfinancial a stating I was opting out of any and all authorization I the consumer may have given them written, unwritten, verbal and nonverbal per 15 usc 6802. On XX/XX/XXXX Edfinancial reported XXXX installment loans to XXXX in the amount of {$5300.00} and {$2900.00}. Then on XX/XX/XXXX Edfinancial reported XXXX installment loans to transunion in the amount of {$2900.00}, {$3000.00}, {$1700.00} and {$5300.00} which violates Family Educational Rights and Privacy Act of 1974. The act expounds that it protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).
Consumer complaint received 2024-10-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE (MI)

Please see the previous complain. The issue and the hacked accounts remain open. 
The XXXX XXXX know that the accounts are open ( see attached note ). 

Not only that they are proactively distributing my information to hackers. 

Why are all my accounts not fully closed? 

I have stopped by their office 5 times. Its in XXXX, MI. They will just dismiss me away, very unprofessionally. 


-- -- -- Previous Complain -- -- - ( XXXX ) Identity was stolen and someone opened multiple XXXX XXXX account on my name. 

( XXXX ) Apparently XXXX XXXX has very low standards. So its used by hackers and fraudsters. 

( XXXX ) They used XXXX XXXX to move funds from my XXXX account to XXXX XXXX and then out from there. ( XXXX ) I contacted XXXX XXXX when I saw the issue. XXXX XXXX has not closed my account since then. Contacted them multiple times. Accounts are still open. No help on cyber or risk managment from XXXX XXXX. I stopped by their branch and they dimissed me with an XXXX number. The XXXX number they gave me did not help either. My accounts are still open and the hackers are probably still using it.
Consumer complaint received 2023-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (PA)

I received a letter from Ed Financial stating the loans was discharged from my loans and that is not true. They have a balance of {$110000.00}. Which is not the right amount, XXXX XXXX XXXX shows an amount of {$100000.00} and {$2500.00} of interest total is XXXX. The approved discharged amount of {$9500.00}. total has not been discharged from my student and ed financial is sending a letter stating is. But my balance is showing more than wht I owe. Base on the letter the company sent to CFPB state my balance was {$120000.00}. this company has added the discharged amount to my balance those balances are already in the consolidated amount. They also added the cancel loans to the balance how do u add loans tht are cancel. this is really sad. Those loans was not cancel, I have the report from XXXX. I dont knw where ed financial is getting there information but its causing a problem. They dont give u a correct answer the customer service rep only agree if you have the loan amount from a different source. This company should not be able to send anything back whn I filed a complaint. this company needs to be investigated consumer are getting the wrong loan amount.