davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-10
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: Resurgent Capital Services L.P. (NY)

Subject : Demand for Proof of Verification and Contract Account # XXXX, # XXXX, # XXXX To Whom It XXXX Concern, I am writing to address the lawsuit you filed against me regarding the alleged debt under account number # [ Your Account Number ]. I find it unacceptable that, despite being sued, you have failed to provide me with the necessary documentation to substantiate your claim. 

As per the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request the following : Proof of verification of the debt you claim I owe. 
A copy of the original contract or agreement that clearly establishes my obligation to repay this debt. 
A XXXX form for the canceled portion of the debt, which I have yet to receive. This document is critical as it relates to the tax implications of a charged-off account. 
Your failure to provide these documents raises serious questions about the validity of your claim. I will not accept mere assertions without concrete proof, especially in light of the legal action you have initiated against me. 

If you do not respond within XXXX days with the requested documentation, I will consider this matter resolved in my favor and pursue all legal remedies available to me. Additionally, I will not hesitate to report your actions to the Federal Trade Commission ( FTC ) for failing to comply with the FDCPA. 

Your immediate attention to this matter is required. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (PA)

This is a Regulation E dispute. My funds were stolen in conjunction with XXXX and XXXX. My phone was stolen in XXXX of XXXX My card was attached to my XXXX and XXXX XXXX. Since then my business account funds have been used without my knowledge or permission. When I noticed in XXXX of XXXX, I immediately notified the bank an filed a dispute. It was denied because the operator failed to include all of the transactions that I asked her to include. I was told I needed to file a police report and submit another dispute. I did both and provided the bank with the police report and they still denied the claim. I need my money back. It is protected funds and this should never have been allowed to happen. Someone should have notified me through various means as you have my email address and phone number and address. I was not notified that this spending had occurred. Usually they will send a txt to ask if a transaction was you and if I don't respond, they will deny the transaction and freeze the card. That never happened as whomever was allowed to access much of my funds. The Electronic Fund Transfer Act protects me from these types of things. I will sue TD for allowing this to happen, not returning my funds and causing me financial instability, The bank is required to investigate and if the investigation takes more than 5 days, to provide me with at least a provisional credit. They have not done any investigation obviously. I am not liable to transactions I did not authorize.
Consumer complaint received 2023-02-18
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC (WA)

We had just paid our last lease payment and were just about to call BMW Financial to purchase the vehicle. 1-2 days after we paid that last payment, a large rock was struck by another vehicle and launched toward my wife 's car and the rock went under the car and put a hole in the oil pan. The car was then totaled by my insurance company. The value of the vehicle is worth more than the residual on the lease. I was under the impression that the over value would be sent to us to purchase a new car, but our insurance told me that BMW Financial would keep all of the money, including taxes, fees, license etc. I called BMW Financial, and they were very matter of fact with me and told me that it was their car, and they would keep the money and I couldn't purchase the car as a salvage. The car is being ripped from us, and BMW is taking all the money, unless I want to buy or lease a new BMW. In that case, they will kick back 1/2 of the money for a down payment. I usually buy XXXX and I called the general manager at XXXX because I had never heard of this happening, and he told me that XXXX would never do this to its customers because XXXX and XXXX feel this is bad faith. I will tell you ; BMW doesn't feel it's bad faith and they are very rude about their position. Also, the contract we signed clearly states at # 24 and # 25, which BMW Financial told me to look at, states : in the event of a total loss, " I will not be obligated to pay you the gap amount ( the difference between the Adjusted Lease Balance and the actual cash value of the vehicle as of the date of loss ) if the claim for total loss is actually paid to you by my insurance company. The contract says that I don't have to pay the difference.
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nav Technologies, Inc. (FL)

I'm contacting you because I have found some information that is inaccurate on my credit report.I don't believe this account were ever paid late as it is reported.I request that you verify the information and remove any inaccurate information from my credit report as quickly as possible.The items in question are in the photos.After doing so please provide me with and updated credit report reflecting the changes thank you for your support
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC. (FL)

I received a notice that my accounts had been restricted. Freezing all activity while XXXX looks into it. They could not give me a timeline on how long it would take. 

I have bills to pay that will not be paid until this restriction is lifted. I asked them to lift it multiple times but no one on their end can help or say when it will be resolved. 

Currently all my assets with them are frozen with no resolution or timeline from them.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

I recently checked my credit reports and noticed multiple billing errors. You are in serious violation of TRUTH IN LENDING ACT ( TILA ) 15 U.S.Code 1637 ( b ) ( 2 ) ( a ) and the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error
Consumer complaint received 2024-10-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (KS)

Nelnet has failed to process a payment I made in XX/XX/year> of {$50.00}, my automatic payment of {$120.00} ( ish ) on XX/XX/XXXX all while collecting interest. Payments go into limbo and there are return payment notifications. I can not give them another bank account because that is my ONLY bank account. The information is CORRECT.
Consumer complaint received 2024-10-15
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (GA)

dell was bought out by another company and i wasn't informed. i was set up on auto pay with dell and it didn't carry over with the change of company which led to me havinga late payment. i never had a late payment with dell since starting the account XXXX  years ago. had i known about the change i would have been sure to set up the auto pay gain. i was not informed of the change.
Consumer complaint received 2024-10-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (WY)

XX/XX/XXXX I received a text from LLBean Mastercard alert team. It asked if I had made a {$240.00} purchase just then at XXXX. I was just getting ready to call the number on this text when they called me. In addition to the {$240.00} charge had I also purchased {$2000.00} at Best Buy. I assured them I had not and that my card was in my possession. The LLBean rep said they would take these charges off and send me a new card. Upon receiving the new card a few days later I cut up my old card. However a couple weeks later, around XX/XX/XXXX I received an email stating that, since the card used had a chip, I was now responsible for these charges. I called two times to dispute this and was given CitiBank fraud response team number, since this is the card issuer. I then called them and the rep suggested I contact local police. This I did and XXXX Police subsequently was able to get video at both XXXX and Best Buy of the same adult male purchasing these items supposedly with my card. I sent the police report to Citibank Fraud team in XXXX. I then called them XX/XX/XXXX to check on the case and was told they would reopen my case considering the new police information. However, having heard nothing since, I called Citibank fraud today and was told 1 ) case was not reopened and 2 ) police report didnt change anything because a chip card cant be cloned and it was suggested to me that perhaps it was someone I knew who used my card. This is just not true - since the card was not out of my possession. Also I queried why the statement showing the charges put back on my account ended in a number ( XXXX ) that I had never had- not my old card the charges were made on, nor my new LLBean card that was issued to me. I got nowhere and was told I was still responsible for these charges. I am seriously considering getting a lawyer at this point. I did not charge these items, I do not know how this was done - but someone cloned my card or whatever to make these charges. I should not be held responsible for these charges.
Consumer complaint received 2024-10-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Atlas Credit Company, Inc. (TX)

XX/XX/year> received collection phone call and I advised I'll contact when I have the payment and the individual who works for the company was rude and harassed me by stating that is a problem because the loan company didn't have that problem when issuing the loan and I need to pay my last due not only do they call 3-4 times a day they show up to my residence or work place even if I make communication with them and advise them of the hardship.
Consumer complaint received 2019-11-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Recently XX/XX/XXXX I put a freeze on all my credit, and I did this because I am looking at apartments, but ran into trouble with a scammer acting like a fake property renter, that was the purpose of my freeze, he had all my important info. 
Fast forward, now my apartment search is harder but I feel safer and I have the tools to make a credit check easy for the property owner. 
I thought I did. 
Today, XX/XX/2019, I receive a notice from a gentleman who I was hoping would rent his place to me. He said he forgot I told him my credit was frozen, and he ran it anyways. He also sent me my report from his viewpoint. 
My issue is. 
If there is a freeze on my account, no report should of been generated. But there was a report. I have great credit honestly, but because of the very big fat bold F letter grade, ( maybe its a fail maybe it's a frozen ) still big fat bold F, on the front page of the report that should not have been generated. 
I'm praying the owner gives me time to unlock my freeze now. What a disservice, F letter grade, is inaccurate and should not be there.
Consumer complaint received 2024-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

Dear CFPB, I am writing to formally file a complaint against Navient, a student loan servicing company, regarding their predatory and negligent practices that have significantly impacted my financial, emotional, and mental well-being.

I initially took out student loans to finance my education, expecting that I would be able to repay them responsibly with the assistance of income-driven repayment plans. However, instead of being provided with information and access to such plans, I was repeatedly placed into forbearance. This decision was made without fully explaining the long-term consequences to me, resulting in an accumulation of interest and a ballooning loan balance that I simply could not afford.

Navients practice of steering borrowers into forbearance rather than assisting them with income-driven repayment options has created an insurmountable financial burden for me. Despite my attempts to seek help and clarify my repayment options, I was met with inadequate guidance and support. This lack of proper assistance has led to severe financial distress, emotional turmoil, and mental stress, affecting both my personal and professional life.

The financial stress caused by Navients actions has left me struggling to make ends meet. The constant pressure to make unaffordable payments has taken a toll on my mental health, causing XXXX  and XXXX. I believe that Navients actions constitute predatory lending practices, as they prioritized their financial gain over the well-being of their borrowers.

Given the circumstances, I respectfully request that my student loans be discharged. I firmly believe that Navients predatory behavior and negligent practices justify this action, as they have caused significant and unjust hardship.

I appreciate your time and consideration in this matter. I am hopeful that the CFPB will take appropriate action to address these issues and provide relief to borrowers like myself who have been unfairly treated by Navient.

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-10-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Central Portfolio Control Inc. (CA)

My son received emergency medical treatment from XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ) in XXXX NV on XX/XX/XXXX. We live in XXXX, CA and have medical insurance through XXXX. Thus given this was an out of state treatment it took a while for our insurance to settle on coverage amounts. After a lot of back and forth we were referred to apply for financial assistance, and did so in a timely manner. We never heard back regarding our application, and ultimately received a debt collection letter at the end of XXXX without any additional explanation. We inquired with XXXX XXXX directly in XXXXXXXX XXXX XXXXXXXX and were told to wait for further instructions, which we never received. Since then we have been receiving numerous phone calls from a debt collector named Central Portfolio Control. When they call, they demand sensitive personal information and refuse to inform us what the call is about. Now I see they have filed a derogatory report to the credit bureaus. We have never received a formal letter from XXXX XXXX, or any letter from Central Portfolio Control with any explanation of the alleged amount owed. 

We are very upset about this whole process : 1 ) we applied for financial assistance with XXXX XXXXXXXX XXXX XXXX ), and never received a denial or acceptance 2 ) we responded to the initial debt collection letter from XXXX and were told to wait for further instructions 3 ) now another debt collector, Central Portfolio Control has reported the alleged amount due to the credit bureaus without any correspondence or explanation, and continue to harass us with phone calls demanding sensitive personal information without providing any explanation. 

I contacted XXXX XXXX on the following dates : XXXX to update insurance information XXXX to follow up on insurance coverage, was told " it was being worked on '' XXXX to follow up on billing, was told " still working with your insurance '' XXXX to follow up on billing, was referred to financial assistance program, was told account was placed on 45 day hold XXXX mailed a financial assistance application XXXX Received letter dated XXXX requesting additional financial information XXXX Emailed additional financial information as instructed. 
XXXX Received letter from a debt collector, XXXX, dated XXXX XXXX XXXX XXXX XXXX regarding debt collection letter, explained that we never heard back regarding our financial assistance application and were told we did not need to do anything and we should receive a call or letter in 30 days. 
XXXX - ( XX/XX/XXXX ) XXXX : Received over XXXX harassing calls, with no written correspondence from debt collector XXXX XXXX XXXX demanding personal information without explanation, and they have placed a derogatory report to the credit bureaus.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (NV)

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Consumer complaint received 2024-08-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (WI)

XXXX XXXX XXXX Account XXXX Verified and Updated The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 

i have disputed with them XX/XX/year>, XX/XX/year> I request that you provide me with a written confirmation of the corrections made to my credit report within 15 days of receiving this letter.
Consumer complaint received 2023-11-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-23
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. (MD)

I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account. Please send me an updated and accurate statement and BLOCK the account. I also request that you stop reporting this inaccurate information and report the correct information to all the nationwide credit reporting companies to which you provided it.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this XXXX. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-07-08
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. (FL)

I am filing a formal complaint regarding identity theft that has adversely affected my financial well-being. I believe I am a victim of identity theft, and I am seeking your assistance in addressing and rectifying the fraudulent activities associated with my personal information.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CT)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this XXXX for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.