davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-02
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. (GA)

In accordance with the Fair Credit Reporting act. The following collection agency has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
. XXXX XXXX Acct XXXX on XXXX, XXXX and Experian, XXXX and XXXX XXXX Acct unknown on XXXX, XXXX XXXX XXXX Acct XXXX on XXXX and Experian, XXXX XXXX Acct XXXX on XXXX and Experian, XXXX XXXX XXXXXXXX XXXX Acct XXXX, XXXX XXXX XXXX Acct Unknown on XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and privacy of personal information assembled by Credit Reporting Agencies I recently review my credit reports from XXXX, XXXX and Experian, I noticed many things are not accurate and incomplete and according to the fair credit reporting act the consumer reporting agency prepares a consumer report it shall have the maximum possible accuracy of the information concerning. the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

15 U.S.C. 1681c. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall 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. 

On all these collection agencies, I did receive any information from or sign anything with them, that been said why they all are saying that I open an account with them when I did not. XXXX  XXXX and XXXX XXXX is XXXX of the prime examples They said I open an account XXXX XXXX XXXX, but the original creditor last payment was XXXX  that was XXXX years ago. The statute of limitation in Georgia is XXXX years.
Consumer complaint received 2024-10-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Yield Solutions Group, LLC (TX)

I was convinced to use my credit cards and max them out because I was promised and told a HANDFUL of untruthful things. I WAS LIED TO. NOT ONLY DID MY DOWN PAYMENT GO TOWARDS THEIR COMMISSION AND NOT TO MY LOAN, THEY TOLD ME THE BANK REQUIRED IT AND THAT WAS NOT THE CASE!! I WAS ALSO TOLD ID BE GETTING A REFUND CHECK FROM GAP COVERAGE, TO MAKE ME FEEL BETTER ABOUT THE DOWN PAYMENT, I CALLED AND THAT WAS ALSO NOT TRUE AND NEVER CAME! I HAVE EVEN MORE DEBT BECAUSE THEY WANTED THEIR COMMISSION THAT WAS SUPPOSEDLY MY DOWN PAYMENT OF {$970.00} THAT NEVER WENT TO THE BANK. 


I feel EXTREMELY taken advantage of at a low point in my life that i needed to refinance my car. I was told not worry about the down payment, and that my refund checks would cover most of it, and it was all LIES! 


I have attached proof of where my money was dispersed. Proof of them stating the information about the down payment was all done over the phone because that was their preffered contact methods. They did mostly everything over the phone. XXXX and XXXX were my agents. Also they already charge a {$470.00} fee for their services. So this {$970.00} is also just XXXX greedy!!!!!!
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (IL)

I am REWRITING to complaint to ONEMAIN since no action action of getting this deleted has been taken about the detailed information on my credit document that isn't genuinely agreeable, demonstrated legitimate, or reported as completely obvious and truly checked. My address is XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related to this complaint is XXXX. As a customer, I'm qualified for request or potentially constrain you to eliminate them when conceivable inside my government and state customer or potentially social equality. I am refiling this consumer complaint and conducting a consumer check to ensure compliance with FACTA Title 1 Section for the particular items you are reporting. 151 that unambiguously obliges a depicted of the modus.
Consumer complaint received 2024-10-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monarch Recovery Holdings, Inc. (KY)

Monarch Recovery has called me 8 times in 7 days from 2 numbers which violates my rights. 

XXXX XX/XX/year> at XXXX PM EST XX/XX/year> at XXXX AM EST XX/XX/year> at XXXX AM EST XX/XX/year> at XXXX AM EST XXXX XX/XX/year> at XXXX AM EST XX/XX/year> at XXXX PM EST XX/XX/year> at XXXX AM EST XX/XX/year> at XXXX PM EST
Consumer complaint received 2023-09-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

Between the dates of XXXX unknown parties were able to access my Chase checking and savings accounts using a XXXX XXXX  XXXX Unknown at this time how they got access to my account. With that XXXXXXXX XXXX they made XXXX separate withdrawals ranging from $ XXXX {$3000.00} and took {$5700.00} from the checking account and {$10000.00} from the savings. On XX/XX/28 is when I found out about the fraudulent transactions and notified Chase. I terminated the debit card, changed username and password on digital accounts and let them know at this point that these transactions were fraudulent. I then filed a police report with the XXXX Police Department about the fraud. At the time I could only go based off of the information on my online account and it appeared that the transactions occurred in XXXX. With the help of a local branch it appears all of these withdrawals occurred in XXXX. Chase over the next month has denied reimbursement of the money taken on XXXX claims that they created about the transactions. They have stated that in their investigation that the transactions were consistent with my account activity. I have never been to XXXX, never used a XXXX XXXXXXXX XXXXt and in the last two years never taken more than {$200.00} from an ATM. They have also at times stated that they are not liable because my PIN was compromised which means I am in violation of the user agreement. I have had an active Chase account for over 10 years and have never had issues like this in the past. It is frustrating to prove my innocence when it should be the bank 's job to complete a thorough investigation and this appears to keep getting swept under the rug.
Consumer complaint received 2024-10-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Company Nelnet is fraudulent. 
All letters from them convey different information. 
From their letters it's hard to understand anything. 
I applied for XXXX program and the woman on the phone said : ok you will be on XXXX program now. And the letters stopped. The letters started coming again as if the phone call never happened.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (TX)

Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (FL)

XX/XX/XXXX I deposited {$110.00} into Citibank ATM. The ATM didnt deposit the money. After I realize the money didnt deposit into my bank I re-printed a receipt of my account and realize that reprinted money was not deposited. I then printed out another paper to see if it was deposited and it still wasnt. I tried getting help from a banker, but the bank was closed when I was there and the next day a hurricane was coming so the bank was not gon na be open. So I called Citibank to do an investigation and they didnt check the cameras but told me that they will not be reimbursing the money to me. I attempted again to reopen the case to get my money back, but they told me its less likely for a different result. I then told the person on the phone that I did it in front of a camera and they told me that the investigation doesnt include looking into the actual camera, but I put {$110.00} into the ATM in Citibank and did not get the deposit.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

There had been multiple attempts made just to get these accounts removed off my report. Twice to be exact, and nothing has been investigated about my case and I am extremely disappointed. i just want to apply for loans without getting rejected, and I have the biggest fear of rejection.
Consumer complaint received 2024-10-22
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: LEXISNEXIS (LA)

I am filing this complaint against LexisNexis for failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ) after I submitted a dispute regarding an inaccurate bankruptcy public record on my consumer report. 

On XX/XX/year>, I submitted a dispute to LexisNexis with sufficient documentation to support the removal of an inaccurately reported bankruptcy public record. Despite this, LexisNexis has failed to : Respond to my dispute within the XXXX investigation period as required by law. 
Remove the disputed bankruptcy from my file or provide any follow-up regarding the investigation. 
Details of the Dispute : The public record in question is a bankruptcy that was inaccurately reported on my LexisNexis report and my consumer report. 
I provided documentation proving that this bankruptcy record was incorrect and should be removed from my report. 
LexisNexis has failed to investigate or respond to my dispute within the legal time frame of 30 days, as required by the FCRA, Section 611. 
Legal Violations : Under the FCRA, credit reporting agencies are required to respond to disputes and either correct or remove the inaccurate information within 30 days. LexisNexis has violated this obligation by failing to act or even communicate regarding the status of my dispute. 
The failure to verify and remove inaccurate information from my consumer report is a direct violation of my rights as a consumer under the FCRA. 
Requested Resolution : I am requesting that LexisNexis immediately remove the disputed bankruptcy and any related inaccurate public record information from my consumer report. 
LexisNexis should provide a written confirmation that all disputed information has been removed. 
I also request that the CFPB intervene to ensure that LexisNexis complies with the legal standards outlined in the FCRA and does not continue to harm my credit standing by failing to act on verified inaccuracies. 
Additional Information : I am prepared to provide all supporting documents and a copy of the initial dispute letter sent to LexisNexis upon request. 
LexisNexis 's lack of action on this matter is not only a failure in consumer protection but also a breach of the legal obligations they have to consumers under federal law. I request immediate intervention from the CFPB to resolve this matter. 

Thank you for your attention to this complaint.
Consumer complaint received 2024-10-22
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: TOYOTA MOTOR CREDIT CORPORATION (CA)

These inquiries are on my XXXX  XXXX and XXXX reports i have never applied for such a loan or lease these inquiries are fraudulent please remove. 

XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX. XXXX XXXX Inquiry date XX/XX/XXXXXXXX  Removal date XX/XX/XXXXXXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am writing to file a formal complaint against Portfolio Recovery associates, located at XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX, for their failure to prove necessary documentation regarding debts for three accounts that they claim I owe. 

On XXXX XXXX XXXX I sent a written request for validation of the debts and other supporting documents as outlined in the Fair Debt Collection Practices Act ( FDCPA ). It was confirmed they received my information. Despite follow-up attempts, they have not provided the requested information, which I believe is violation of my rights under the law. 

On XXXX XXXX XXXX I received a reply by mail for the two of the 3 accounts in question. For the XXXX XXXX account, the account they have began a lawsuit for, there was no reply. For XXXX XXXX , I received a letter stating that the dispute was completed and documents would be enclosed but there was no documents outside of that letter. For the XXXX XXXX account, I only received a bank statement from XXXX XXXXXXXX. After receiving these documents I spoke with a representative from Portfolio Recovery Associates and can provide name upon request. She stated that the time period to access validation documents and purchase agreements has expired and they do not have the information I requested. 

I will attach documents of my correspondence. I respectfully request that your office investigate this matter and take your appropriate action to ensure compliance with the law.
Consumer complaint received 2024-09-21
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (ND)

Requested company to remove from credit report due to inaccurate information. Same account XXXX  for XXXX, XXXX, XXXX of XXXX. Then Late for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. The charged off for XXXX, XXXX, XX/XX/XXXX. The in XXXX of XXXX closed. Called a few times. They said it will fall off my credit report because it was paid off.
Consumer complaint received 2024-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: BSI Financial Holdings, Inc. (CT)

We sold our home and paid off our mortgage with BSI Financial effective XX/XX/XXXX. We learned on XX/XX/XXXX that we had an overage in our escrow account of approximately {$1700.00} that was due to us. Despite updating BSI with our new address immediately, we did not receive a check for the overage via mail. We called to verify and were told that the check was sent to our old address. Since our mail had been forwarded to our new address, we assumed we would receive the check. We did not. 

I called at the end of XX/XX/XXXX and was told that if I had not received the check within 30 days of it being issued, they could cancel and resend the check. I did not receive it, so called again on XX/XX/XXXX. They canceled Check # 1 and resent it directly to our new address, which I verified on the phone with the agent.

I still did not receive the check after about 2 weeks, so I called again. I was told that it was sent on XX/XX/XXXX, but that I could not request a new check for 30 days. The agent was extremely rude and was unable to tell me why I wouldn't have received Check # 2. 

I called back on XX/XX/XXXX as I still had not received the check. They canceled it and resent Check # 3. 

On XX/XX/XXXX, I called again. I was again told that I could request a new check after 30 days, but the agent was unable to explain why I had not received the check and did not seem concerned with getting my rightful refund to me. There is no logical reason that if a check had been mailed to my address ( which I verified ) TWICE, I did not receive it over the course of 60 days. I asked to speak to a supervisor and was told none were available. I asked to have a new check resent via certified mail so that I could track it. I was told that they would input my request and call me with an update within 48 hours. 

On XX/XX/XXXX, I called again as I had not received the update. I was told that a Check # 4 was re-sent on XXXX when I originally called, and not via certified mail as I had inquired about. 

On XX/XX/XXXX ( the date of this complaint ), I called again and I was told that no supervisors were available and that I could " get in line '' for a call from a supervisor on 10/18.
Consumer complaint received 2024-10-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

On XX/XX/XXXX, LVNV Funding/Resurgent Capital services received a debt validation letter from myself. LVNV Funding/Resurgent did not validate the debt that LVNV Funding allegedly claim l owe. As a result of that failure, Resurgent also received a letter demanding the deletion of the alleged account from all consumer reporting agencies on XX/XX/XXXX. 
Under the provisions of the Fair Credit Reporting Act 611 ( a ) | 15 USC 1681i ( a ) l, disputed items must be validated or deleted and removed from my credit record within 5 days. LVNV Funding/Resurgent have triggered Privacy Act violations U.S.C. 552a ( g ) ( 1 / ( A ). LVNV Funding neglected to respond or comply. LVNV Funding has obtained my personal private information including but not limited to my social security number, outdated addresses, names, and phone numbers which is a violation of the Privacy Act because LVNV Funding or Resurgent Capital does not have a certified document granting them permissible purpose to furnish anything about me or to have my information for that matter. I did not give LVNV Funding or Resurgent legal permissible purpose per FCRA. LVNV Funding is a known junk debt buyer.

Per 15 USC 1692K Civil liability, LVNV Funding is now liable for violations that they have carelessly committed. These behaviors are also considered abusive and harassing. I am aware that LVNV Funding was sued before for abusive and deceptive practices and behaviors towards past consumers. 

Now, I am being harassed by another debt collector by the name of XXXX XXXX XXXX who contacted me by mail in XX/XX/XXXX for this same alleged debt. Who owns this alleged debt when no company has provided the ORIGINAL PURCHASE AGREEMENT? No company has provided this information, therefore the reporting inaccuracies concerning this account violate both FCRA and FDCPA regulations. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished without my written instructions. Your actions have infringed upon my rights under several sections of the FDCPA : * 1692d : Harassment or abuse in connection with debt collection. * 1692e : Use of false, deceptive, or misleading representations. * 1692g ( b ) : Failure to properly disclose my rights.

* 1692f : Use of unfair or unconscionable means to collect a debt.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC. (OH)

The company Santander Consumer USA is furnishing my personal information to credit reporting agencies including but not limited to XXXX, XXXX, and XXXX XXXX. Under the FCRA, information can only be furnished under the written instructions of the consumer to whom it relates. I never gave any written instructions for Santander Consumer USA to furnish my personal information to any credit reporting agencies. Sharing a consumers personal information without proper consent is considered identify theft under Federal Law. Therefore, for the protection of Santander Consumer USA and myself, I am seeking for the company to immediately cease and desist all sharing of my personal information to the credit reporting agencies and to notify me that it has been done.
Consumer complaint received 2024-10-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: CITIBANK, N.A. ()

I opened an account with Citibank in XXXX. I am XXXX, once I returned to XXXX having provided to warn that I was traveling it was a nightmare. I tried to speak several times on call, I can not call because I am in XXXX and calls cost a lot. they talk to me, they always identify me and it lasts 30 " on the phone, then the line drops and they do not resolve anything. They have closed my account several times and blocked online access. Violated my privacy several times with the excuse of security etc etc they control my payments. I have tried several times to transfer my money to an XXXX  account because I can not make some payments if not all online. What have they done? They closed my account. This is banking abuse! And they are causing me really serious damage. Because I am in my country with no money. I have everything in that account.
Consumer complaint received 2024-10-17
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

On XX/XX/XXXX I made a XXXX payment through credit gold One credit Unions app. XX/XX/XXXX it was kicked back as fraud. Contacted the bank XX/XX/XXXX. Verified the payment for my landlord for my monthly rent. Was told that payment would be processed and no further action would be taken. As of XX/XX/XXXX, payment had not been processed. I called back. Spoke with supervisor XXXX. He explained that he would look into the issue and call me back. Week later he has failed to do so. Called back XX/XX/XXXX. Left another voicemail asking to call back within XXXX hours. Still no contact. Still no resolution.
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: Maximus Federal Services, Inc. (SC)

I have been faithfully paying my student loans since graduation via auto draft. An additional payment in the amount of {$100.00} is submitted electronically from my XXXX XXXX XXXX  ( XXXX ). On XX/XX/XXXX a payment was sent electronically to AidVantage but it was then rejected and sent back to XXXX. I contacted Aidvantage and they had no record of receiving or rejecting the payment. On XX/XX/XXXX another payment was sent electronically and AidVantage has not rejected it or applied it to my account. I contacted AidVantage and provided payment trace information for the XXXX missing payments but they have yet to contact me, apply them to my account or return them to XXXX. 

I believe AidVantage is systematically rejecting payments and creating barriers, preventing borrowers from making extra payments towards their loans.
Consumer complaint received 2024-10-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

My account was closed and my money is being held with no timeline for it to be released. I need access to my money or at least to know when I can expect to have my money back. The could not provide any answers or a status update on claims. I just want my money so I dont end up homeless on the street.