davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-02
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: PayActiv, Inc. (TX)

First, I borrowed {$500.00} from PayActiv on XX/XX/year>. Next, PayActiv deducted {$500.00} from my paycheck on XX/XX/year>. Following that, PayActiv deducted another {$500.00} from my paycheck on XX/XX/year> without asking permission or receiving any authorization from me. I contacted PayActiv about the transactions above. The company acknowledged that they had taken more money out of my accounts than I owed and that this was wrongful. However, even though PayActiv acknowledged the improper taking, acknowledged the amount of money they stole and stated the amount that they took was without authorization, they refused to return the money that they stole from my account. PayActiv kept claiming that the initial taking was error, but they refused to return the stolen amounts and still have not returned any of the money that they stole up to the writing of this complaint. 

This is the SECOND time I have registered this complaint on the CFPB website because the CFPB website claimed it couldn't find my complaint despite having my created account available. 

I am a XXXX XXXX and PayActiv is a California business that has committed financial crime impacting my account. What elements of interstate wire fraud are unmet by PayActiv 's behavior? I am a XXXX licensed attorney in the State of Texas and I expect a robust and devastating response by law enforcement and state and federal regulators. PayActiv is laughing at both of us while it unfairly holds money stolen from my account. They clearly will refuse to return my money until law enforcement puts handcuffs on their criminal staff. This is nuts. The XXXX number is staffed by XXXX who have no respect for Americans, our laws, or the wrongfulness of their crimes. Please do something they can ignore. My understanding is that there are statutory penalties for such crimes and I would like to fully enforce any applicable penalty in this case to the fullest extent of the law. I would like to collaborate with law enforcement to the extent necessary to ensure other XXXX are not victimized by this fraudulent scheme. Let 's go get these perpetrators.
Consumer complaint received 2024-08-03
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Filed for bankruptcy
Company: BARCLAYS BANK DELAWARE (CA)

I explained to this company that I was unable to make any minimum payments and they continued to do robo calls as well as send emails. I can not unsubscribe from their email even though I tried to let them know to stop and desist. Their email system does not allow for me to reply to their emails.
Consumer complaint received 2024-08-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: LEXISNEXIS (FL)

I am requesting a copy of my credit report from LexisNexis. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a free copy of my credit report once a year. I have tried to contact LexisNexis without success and am seeking CFPB 's assistance in resolving this issue. I have attached my personal information
Consumer complaint received 2024-08-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc. (AL)

Mr. Cooper has drug their feet paying our homeowners insurance and in turn have had our insurance company send us multiple delinquency notices. They have since sent a replacement policy back on XXXX XXXX XXXX XXXX, they are saying they still have yet to receive payment but its been taken out of our escrow.
Consumer complaint received 2024-08-03
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Skrill USA, Inc. (NY)

There is a gambling wallet called Skrill, on XX/XX/XXXX there was a fraudulent transaction and ever since then they have locked my account from making transactions. For the first few weeks, it was just locked and I couldn't access it while I did a bunch of unnecessary security measures, then after it was finally unlocked I was still not able to make any transactions or use the card they gave me. 

At the time of this message there is {$4200.00} in the account. I have reached out several times to them and they keep saying that my case is " under review '', however it has been far too long for me to believe they aren't trying to just rob me at this point. They will not respond for weeks at a time and calling their XXXX customer support number usually leads to me not getting through to anyone because there is no available customer support agents.
Consumer complaint received 2024-08-06
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: CAVALRY INVESTMENTS, LLC (TX)

I'm writing to convey my significant worry concerning a couple of addressed accounts that remain mistakenly recorded on my credit report. Regardless of different undertakings to address these slip-ups and reiterated requests for a thorough assessment, there has been no objective or healing move made to date. 

These off-base records are genuinely hurting my credit archive and generally disturbing my ability to have a normal presence. The negative repercussions of these blunders have caused monstrous challenges, and I'm left with no choice aside from to contend for your close by assist with reviewing what is happening. 

I generously request that you direct a cautious assessment concerning the specifying of all of these challenged records. It is fundamental that the fundamental advances are taken to invigorate and review my credit report immediately. With your help, I want to restore the accuracy and genuineness of my credit archive so I could recover control over my money related thriving. 

I really urge you to offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be very significant. 

Thankful to you early on for your cognizance and help.
Consumer complaint received 2024-08-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-06
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (TX)

I am writing to formally complain about a recent unauthorized charge that was placed on my credit card account and the subsequent handling of my claim. I have been a loyal customer of Chase Bank for several years and hold multiple credit cards with their company. 

The details of the fraudulent charge are as follows : Transaction Date : XX/XX/year> Merchant Name : XXXX XXXX XXXX  : {XXXXXXXX Upon discovering the fraudulent charge, I immediately contacted their customer service department and flagged the transaction as fraud. Despite my long-standing relationship with Chase and my prompt action to report the fraud, I was informed that the claim was dismissed on the grounds that I might know the merchant. This reasoning is unfounded as I did not authorize this transaction, nor do I recognize the charge. 

I spoke with a XXXX, XXXX, who assured me that she would look into the matter and get back to me by Tuesday of the following week.. However, that day has come and gone and I have not received any follow-up or resolution. The charge remains on my account, and I am being held responsible for an amount I did not authorize. 

I respectfully request the following actions to be taken : 1. A thorough review and investigation of the fraudulent charge. 2. Immediate removal of the fraudulent charge from my account. 3. A written explanation of the steps taken to address my complaint and prevent future occurrences.
Consumer complaint received 2024-08-07
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 (GA)

ED FINANCIAL randomly showed up on my credit report in XXXX and back dated an account to the year of XXXX. I have repeatedly asked this company to provide me with an original contract. I have submitted a XXXX request and extensive, full " account audit '' with ED FINANCIAL as well with no response. As I have received no response correcting this matter I have accepted ED FINANCIAL 's silence as a form of agreement and ED FINANCIAL is now in default and have violated numerous rules and regulations governed by the Fair Debt Collection Practices Act. I have asked that ED FINANCIAL validate and verify the debt in question, which they have not and have clearly violated XXXX XXXX XXXX ( g ). This ridiculous allegation is also being furnished on my credit report which is a clear violation of XXXX XXXX XXXX ( b ). ED FINANCIAL has also blatantly violated XXXX XXXX XXXX ( b ) - The Family Educational Rights and Privacy Act ( XXXX ), which is a FEDERAL LAW. I will conclude that ED FINANCIAL is either unable or unwilling to comply, and I will thereafter consider the matter between us to have been legally and financially settled.
Consumer complaint received 2024-08-06
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: HYUNDAI CAPITAL AMERICA (AZ)

I sent this attached letter to file a complaint with the company on XX/XX/year>, They obtained my credit report without my expressed written consent and have caused damages, they do not have any permissible purpose, and my rights have been violated. Please see the attached letter that was sent out and delivered via First Class Mail.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (AZ)

Dear CFPB, I have contacted Citi Bank numerous times regarding inaccurate information on my credit report. Despite never having missed a payment on my credit card and never carrying an outstanding balance, my report shows a balance of {$350.00} and missed payments. This is not possible, as this is a secured card with a limit of {$200.00}. I demand that this account be updated to reflect " paid in full, never late '' or that it be removed entirely if these inaccuracies can not be corrected. I have reached out to them multiple times and have not received any response, despite also calling them. 

XXXX XXXX Account- CITI XXXX
Consumer complaint received 2024-08-06
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: Mr. Cooper Group Inc. (AK)

My home mortgage is being held XXXX by Mr. Cooper 's answering system ROBOT. I am trying to speak with a real person about a fee that is attached to my account and I want to put a large down payment on the principal amount, which is not allowed online. There are only XXXX phone numbers and it is always AI or a XXXX. I did not want this mortgage company, my loan was sold to Mr. Cooper. I don't live where my loan is at, so I have no way of going to the office to fix my problem. Seriously frustrating not being in control of accessing your home mortgage. It should be against the law to hold XXXX your most expensive asset in your life. Life is not as simple as AI or a XXXX! It should be mandatory to be able to speak to a real live person to clear up any problem on your account. By the time I wait for a notification to reach me in the mail, I will have incurred additional debt and add on late fees. But maybe that is there plan to make additional money.
Consumer complaint received 2024-08-06
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: CITIBANK, N.A. (MI)

Citi - Account numberXXXX This account does not belong to me. Please provide the description of the procedure of the investigation used to verify this account if you cant please update this account immediately. 

I am writing to request a detailed description of the investigation process that was followed by your agency regarding the disputed accounts on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681I ( 7 ) : Under Section 15 1681I ( 7 ), credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumers dispute. 

I received a letter from you stating that the account was verified but I would like to know what you verified because both XXXX and XXXX both agreed that this isn't my account and should be removed. Please provide me with the proof of verification method or please remove immediately.
Consumer complaint received 2024-08-06
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: SANTANDER HOLDINGS USA, INC. (TX)

My vehicle has been waiting for a part since XXXX. The company is estimated another XXXX months before release date. I've had no help from the XXXX XXXX XXXX XXXX XXXX XXXX. I'm drowning in rental fees, and its completely unacceptable.
Consumer complaint received 2024-08-06
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. (TX)

I am writing to formally dispute inaccurate information reported on my credit report. I have previously requested verification of this account through a purchase agreement, but I have not received a satisfactory response. The account in question contains fraudulent information that does not pertain to any transactions or agreements I have made.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (AL)

( Please see attached document ) I recently did a dispute with this company. They sent over a document that they do not have any records of an account with them. They ask to verified with account number or VIN number which I would not have. This account is still reporting on my credit report and I do not have an account with them. I need this account removed immediately as they have proven this account does not belong to me.
Consumer complaint received 2024-08-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (TX)

I received a summons to court by Cavalry SPV I LLC who made claim to {$6500.00}. XXXX and that they were assigned by XXXX for a this amount. I called Cavalry to try and dispute this allegation because I needed more information and prove because I am told I can request XXXX statements and see all communication made with XXXX on them retaining this information. However I was told on the phone my case with them had been sold to XXXX XXXX XXXX who is another debt collector agency and now the amount is {$6600.00}. Each time its a different person and not the initial person on the summons. This is a motion for no standing.
Consumer complaint received 2024-08-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Resurgent Capital Services L.P. (FL)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' LVNV Funding LLC is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' LVNV Funding LLC the financial institution and the XXXX reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, LVNV Funding LLC whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' LVNV Funding LLC Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-08-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (LA)

On XX/XX/year> myself and my tax prepare contacted chase bank regarding not receiving my federal & California state income tax refund due to it being sent to someone else 's account. We were told to contact the IRS & have them retrieve the money also that they would intercept & return the money from XXXX XXXXXXXX XXXX tax board because it has not been deposited in the error account. I've made several attempts with by creating XXXX claims to have chase return the money back to sender. I went to my local branch to have them escalate the claim to no avail. XXXX has acknowledged that the information that I provided is correct but there is nothing that they can do to contact the sender of the funds. I've contacted the sender XXXX XXXX XXXX XXXX XXXX & the XXXX XXXX XXXX XXXX & they are telling me to contact the my bank to have them return the funds but XXXX will not return the funds.
Consumer complaint received 2023-12-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: EdFinancial Services (OR)

I filled out an application for the SAVE plan for repaying my student loans as I can not afford the high monthly payment that was originally posted. I have called four times and spoken with a representative each time. They tell me that my application is being processed and a new monthly payment will be posted shortly. They also tell me that the past due balances will be erased when the new monthly payment is posted. It has been four or five months now and multiple calls. The monthly payment amount has not changed and the past due balances continues to grow. I never received any confirmation from them that my application to SAVE was being processed or had been processed. I never receive any notifications regarding my new payment amounts.
Consumer complaint received 2023-12-17
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)

Hello, awhile back I opened another complaint about this lender and it is becoming very frustrating as of now, I am still getting reversal payment and the interest has now double my payments. This is needs to be fixed immediately. My loans were once at around XXXX and have now double to XXXX. The latest payment. 

Payment Confirmation # : XXXX Amount : {$210.00} Scheduled for : XX/XX/2023 Was rejected 4 times despite money being in my account. 
I recently submitted another payment. 

Payment Confirmation # : XXXX Amount : {$300.00} Scheduled for : XX/XX/2023 The issue with this is, I dont want to pay the interest due to their faulty system. I have been able to make payments successfully in the past but ever since XXXX. My loans have been getting rejected with interest double. Can we fix this and do I have to suffer from the consequences of interest due to their inability to take payments?
Consumer complaint received 2023-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.