davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-14
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (TX)

I am submitting this request due to SPRING OAK CAPITAL erroneous reporting onto my credit report NOT ONCE BUT TWO TIMES!!!!! 

I have NEVER EVER IN MY LIFE conducted business with this company by the name of SPRING OAK CAPITAL and from my understanding on the research I've completed they're a debt collector whose falsely attempting to collect a debt that isn't theirs. I've requested that XXXX provide proof of this alleged debt. By Proof I am requesting the ORIGINAL APPLICATION/ CONTRACT and NOT some copies that they've received and purchased for little pennies and trying to get substation-ally amount of hundreds of dollars BUT A INSTRUMENT BEARING MY SIGNATURE WITH SPRING OAK CAPITAL Reference Number : XXXX. In addition please provide the contract signed between SPRING OAK CAPITAL AND WHOMEVER THEY PURCHASED THIS DEBT FROM ; a notarized and sworn under penalty and perjury for SPRING OAK CAPITAL to have the ability to collect this alleged debt. Debt collectors/ BUYERS are not CREDITORS, therefore they're in violation of FDCPA. Please also provide to me where it states debt collectors are ABLE to collect debt that ARE NOT theirs. They are being WILLING-FULLY non compliant. This is inaccurate reporting! AND PER MY RESEARCH According to 15 USC 1681e : Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure MAX POSSIBLE accuracy of the information concerning the individual about whom the report relates! I BEG OF YOU TO INVESTIGATE THIS CONCERN BECAUSE THIS IS REFLECTING MY LIVELIHOOD. THANK YOU IN ADVANCED
Consumer complaint received 2024-07-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AXOS FINANCIAL, INC. (MA)

Subject : Response to Axos Bank Regarding CFPB Complaint Case # : XXXX Dear CFPB, Thank you for forwarding Axos Bank 's response to my complaint. I appreciate Axos Bank acknowledging the need for clear communication regarding micro-deposit verification. 
However, my original complaint focused on an unauthorized debit that occurred on XX/XX/XXXX, from my external account being linked to Axos Bank while the attached Axos Bank 's response references and quotes their Online Access Agreement ( Please refer to page 17 of the Banks Online Access Agreement disclosure, available at XXXX : XXXX ) which is dated XX/XX/XXXX, and postdates the incident in question. 
My concern remains that Axos Bank did not have my authorization to debit my external account on XX/XX/XXXX, nor did they inform me beforehand about the debit from my external account during the micro-deposit verification process. 
If Axos Bank insists that I was properly informed about the debit from my external account on XX/XX/XXXX and that I had authorized such a debit, they should provide the evidence of such disclosure or authorization that had occurred on or before XX/XX/XXXX, and not after that date. 
Thank you for your continued assistance in this matter.
Consumer complaint received 2024-09-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

My previous complaint XXXX, I learned that this debt was from XXXX XXXX XXXX XXXX that I had from XXXX. Portfolio Revovery Assoc by their own admittance said that the statue of limitations limits PRA 'S ability to pursue the debt but does not prohibited PRA from contacting consumer. So they stated they purchased this bad debt XX/XX/XXXX & over 7 years later XX/XX/XXXX files & gets a wage garnishment. Without serving me notice. Is this yet another illegal tactic of PRA as in the past where they were fined over 24million for violations on collecting old debt, for not providing documentation to consumers etc. Of that 24 million half was given back to consumers. I believe the Federal Trade Commission needs to reinvestigate as there are still more consumers out there such as myself that have been sued over old debt & now my wages are being garnished. I demand that PRA cease and desist the garnishment of my wages and I would like an investigation into their yet again illegal tactics.
Consumer complaint received 2024-07-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Dear Consumer Financial Protection Bureau, I am writing to formally raise a concern regarding TransUnions handling of a collection account on my credit report, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( 15 USC 611 ). and off course this situation is hurting my ability to obtain credit Name of Account : XXXX XXXX Account Number : XXXX Alleged Amount : {$310.00} Unverified Account I have previously disputed this collection with TransUnion and request the accuracy of this account. Unfortunately, TransUnion has not conducted a thorough investigation and continues to display this incorrect information on my credit report. 

According to the Fair Credit Reporting Act, consumers have the right to request the removal of inaccurate or outdated information from their credit reports. TransUnions failure to address this issue properly undermines my rights as a consumer. 

I kindly request that the Consumer Financial Protection Bureau look into this matter and take appropriate measures to ensure TransUnion complies with the Fair Credit Reporting Act. I seek the immediate removal of the account from my credit report.
Consumer complaint received 2024-09-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (NY)

Initiated an online bill pay to the local church choir for {$670.00}. two months later the church indicated they did not receive the check from the bank although the account indicated the cash withdrawn from our account and payment issued. Called the bank of XXXX XXXX and requested a stop check. They issued a stop payment on XXXX, XXXX and the bank did a stop payment, charged our account a fee of {$30.00} on that day and sent an email confirming the stop payment. However, as of XX/XX/year> the bank had yet to credit our account for the {$670.00} dollars. Called the bank and after a couple of transfers, was referred to investigations who initially indicated the money ad not been withdrawn from the account, which after a brief discussion agreed that it actually had been withdrawn during the inline bill pay process, BUT, I would need to file another claim to request my money be returned. That had no explanation as to why my money was being held nor why an additional claim needed to be made, investigated and approved. I have filed another claim and also requested that the stop payment fee be returned since they did not also return my funds for nearly two weeks. I was informed that was another department and would have to call them to request. And the only reasons I have a fee is I was closing my accounts with Citi and they down graded my status. So have now been inundated with fees which appear punitive given account closing. In closing the account I transferred the money to my new bank and was charged a {$25.00} wire fee, I transferred money back in to cover the XXXX fee and then was charged a {$15.00} fee to move money in that I am only moving in to cover the fee! I then was hit with the {$30.00} stop check fee and two weeks of trying to get the remaining {$670.00} from the bank. The account is overdrawn due only to fees at this point as I am waiting for the return of my funds. I would not be surprised to see an overdraft fee hit this account next as well as a negative credit indication which would be entirely their issue.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, 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 : Accounts : 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
Consumer complaint received 2024-09-24
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: Rocket Mortgage, LLC (NC)

I got a VA loan from rocket mortgage the home inspection omitted XXXX XXXX XXXX XXXX and VA inspectors let it pass.If this was exposed loan wouldn't have pass what do I need to do
Consumer complaint received 2024-09-23
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Klarna AB (GA)

I purchased a membership subscription and paid for it through Klarna on XX/XX/XXXX, and then less than 24 hour later on the same day I requested to cancel the membership with the business. However they refused to refund the money to Klarna. I was not aware that they did not allow refunds before buying the subscription because they never made it known. I tried for weeks to get them to refund my money, but the business XXXX XXXX XXXX, refused. I reached out to Klarna to see if they would cancel the installments and refund my existing payments, but because they the merchant refused to refund the money Klarna also refused as well. Leaving me out {$600.00}.
Consumer complaint received 2024-09-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc. (MA)

On XX/XX/year> I found some discrepancies on my credit report but negligence due to XXXX lack of seroiusness of the compant I have sent them multiple documents and still no response nothing I feel tired of XXXX XXXX please help me get a straight answer I reuested information from XXXX XXXX XXXXXXXX and XXXX they just push me over to the credit agencies and I get no where I have not spoken or I have not agreed in making payments of any kind because legally these account are fraud the XXXX  regulates all documents must be shown for acknowledgement of the debt this is not an attempt of not paying but ejercing my right to get all validation documents as this creditor never send me anything not even a collection notice they just starting calling me and harrasing me and I am tired
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (MO)

On XX/XX/XXXXXXXX  I pulled my credit report from the credit bureaus and I found alot of inaccurate and misleading information reporting on my credit that I have asked the credit bureaus to investigate correctly and fix but nothing has been been fixed but they tell me that the company is reporting the correct information. I have also asked for proof and deminstrations of the procedure that they have followed to determine that the information was true but they have not.This compand has been reporting Charge off after charge off several times which is a violation of my consumer rights under 15 USC 1681 ( e ) and 15 USC 1681 ( i ). This company has also written this debt off but never sent me a 1099 letter that I have requested. I also am requesting a cease and desist to this company on all communications especially to all 3 credit bureause until they can give me a 1099C and removed this debt off my credit. 
XXXX XXXX XX/XX/XXXX XXXX Account Details Payment Status Account Number XXXX Condition Derogatory Responsibility Individual Current Balance {$0.00} Original Balance {$7200.00} Limit XXXX XXXX Monthly Payment {$0.00} Last Payment XX/XX/XXXX Status Collection / Charge-Off Loan Term 0 Loan Type Credit Card Opened XX/XX/XXXX Reported XX/XX/XXXX Remarks Charged off as bad debt|Purchased by another lender Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (NV)

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 : collection 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 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/XXXX
Consumer complaint received 2024-09-23
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: UNIVERSAL ACCEPTANCE CORPORATION (NE) (GA)

Carhop auto finance account opened XXXX with a balance reporting {$6800.00} on my credit. Im unaware of this account and any addresses associated with this account. Ive reached out to the company that I was not in XXXX XXXX during the time and that account does not belong to me. Please remove account immediately.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc. (CA)

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 CARD XXXX XXXX CARD XXXX XXXX XXXX XXXX
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: JPMORGAN CHASE & CO. (MS)

I received and email from Chase, with whom I have a credit card, on Saturday, XXXX XXXX XXXX of a data breach on XXXX XXXX XXXX  that compromised my social security number. Chase noted that it was compromised on nationalpublicdata.com. I was told to call the Social Security Administration. The Social Security Administration told me to contact the Federal Trade Commission. I completed a fraud complaint form and the FTC redirected me to the XXXX. So I am trying to find the best way to report the information from Chase that my social security number was compromised. I have all three of the credit review companies locked but I am not sure what else I need to do to prevent this from going any further, like into identity theft.
Consumer complaint received 2024-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

This is in respnse to complaint XXXX The telephone number of the person I referred a few weeks ago ( NOT XXXX XXXX  ) is XXXX. The name is XXXX XXXX. XXXX XXXX is XXXX. Please give me teh XXXX points.
Consumer complaint received 2024-09-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

My federal loans are being forgiven. The private loans were taken out to cover the rest of the price of the school. Same school, same lender. The private loans should be in the same category since XXXX is getting sued for predatory loans, misleading students. Was lied to from Navient. They told me the school was a non profit, so it didn't qualify for forgiveness. They made millions that XXXX. These loans should qualify and need to be forgiven. The lying by Navient is unacceptable.
Consumer complaint received 2024-09-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Processing Services, LLC (PA)

Hello, I received a call yesterday from " GP Services '', saying they were retained by XXXX XXXX XXXX XXXX XXXX to collect {$1200.00} on a loan that was not paid. They would reduce the total amount owed to {$380.00} if I agreed to pay otherwise, they would close this out and turn it back over to XXXX XXXX and they would begin legal proceedings and at that point, it would be too late to take advantage of the reduced amount and I would not only be responsible for the full {$1200.00} but my XXXX XXXX would take a big hit. 

I explained that I've never done business with XXXX XXXX and this was not my loan. She said that the loan is attached to my Social Security number therefore that makes me responsible. I asked for proof of me taking out the loan and she avoided providing the proof. I asked for her to verify my address, which she had correct and she had the last XXXX digits of my Social Security number correct. 

I called the number back to see if a real person would answer and the same person who called me did. The number she called me from was XXXX. She provided more details regarding the " loan ''. She said the original loan was for {$500.00} from XXXX. She did not get more specific than this. 

I told her I would not pay and that XXXX XXXX would need to take me to court and try and prove the loan was mine. 

I only received a call and nothing in writing from this company.
Consumer complaint received 2024-09-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Avadyne Health Holdings, Inc (NJ)

I paid off my medical bills from XXXX XXXX XXXX ( XXXX, IL ) ( where I gave birth in XX/XX/XXXX ) on a payment plan with automatic monthly payments, with the final payment ( {$51.00} ) made in XX/XX/XXXX. 

Beginning in XXXX XXXX, I received multiple ( more than XXXX ) attempts to collect random amounts of paid off debt from XXXX XXXX XXXX Accounts. I sent them proof of a XXXX balance and heard nothing until I received XXXX separate statements in the mail on XX/XX/XXXX claiming I still owe money to XXXX XXXX XXXX from XXXX. These XXXX separate statements state that I owe {$420.00} ( XXXX ) and {$220.00} ( XXXX ). I've contacted XXXX and checked my online portal and re-confirmed that my balance is still XXXX, since XXXX XXXX. 

I will respond to XXXX XXXX  XXXX again with proof of this XXXX balance. But this is absolutely infuriating. I should not have to waste my time and money responding to a predatory company attempting to scam me out of money. Please do something.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (TX)

Dear Consumer Financial Protection Bureau, I am writing to report a concerning incident that occurred today, XX/XX/year>, at XXXX XXXX CST. I received a call from an unknown number, during which I was informed that I was being sued in a civil case by a company called XXXX XXXXXXXX XXXX XXXX. The caller had an outdated address ( from nine years ago ) and my current phone number but refused to disclose any additional information. They provided me with a case number ( XXXX ) and instructed me to call XXXX. 

Curious about the legitimacy of this claim, I researched XXXXXXXX XXXX XXXX XXXXXXXX and found their official website ( XXXX XXXX XXXX  ). I called their listed phone number, XXXX. When I spoke to a representative, he did not readily identify himself and was evasive when I asked for credentials and company information. He claimed to have my Social Security number and stated that I was being sued by CitiFinancial, a company I do not recall ever doing business with. 

Despite my requests for verification of their credentials, I was met with hostility and intimidation. I eventually hung up the phone after being told that my information doesnt fall from a tree. Upon further research, I discovered numerous online complaints about similar scams associated with this company. 

I am deeply concerned about the potential for identity theft and fraudulent legal actions. I would appreciate your guidance on how to proceed and any actions the Bureau can take to investigate this matter. 

Thank you for your attention to this urgent issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC. (MN)

I am hoping for the loan forgiveness program that is being offered. I have been in so many deferred and forebearances. I am unable to pay off the loan due to so much interest that has been tacked on to my account through Navient. Through the years I was only making {$20.00} and under during my time as a XXXX XXXX XXXX. I had no choice but to wait her defer or forbearance my loans for many many years. With no other option being offered.

I feel all my loans have accumulated so much that I have never been able to afford the payments they offered, until a few years ago. Now I lost my job, and had to defer it again. They only gave me 5 months to defer the loan.

Please consider me for the the 100 % loan forgiveness being offered. I cant get a loan for anything because my debt to income ratio is so high.

This would afford me to start over and not have this high loan with so much interest.

Thank you!
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

This is pursuant to complaint XXXX which should not have been closed. In that complaint I articulated that on XX/XX/year> I instructed Paypal to transfer {$1500.00} from my Paypal balance to my personal checking account at XXXXXXXX XXXX  That money never arrived and I'm attempting to locate it. 

Yesterday I received a response from a gentleman named XXXX from Paypal. We discussed that Paypal would first attempt to reverse the transfer and was told that might take up to XXXX XXXX. We then discussed what other steps we might take were that to be unsuccessful, including coordinating between Paypal and my bank such that we could all be on the same page without my being caught between XXXX different parties, each insisting it's not their problem. 

I need Paypal to work with me on this and please not close it until we've achieved resolution. Based on my own digging I have learned that Paypal has at times added digits to routing and account numbers causing exactly this problem. To that end I need Paypal to provide me with the exact and full routing number and account number they sent the money to so that I can verify them. 

And I further request that this case not be closed until the money has been located and returned to XXXX or the other of my accounts.