davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Spring Oaks Capital, LLC (TX)

I previously sent a demand letter requesting the removal of this XXXX XXXX that does not belong to me. I have documentation from Spring Oaks Capital , LLC and XXXX XXXX account stating that it was removed. However, they are still reporting it to the credit bureaus. Their firm has failed to send the legally required validation of this XXXX XXXX XXXX. They have been notified that their actions are detrimental to me and that their firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Their firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Both companies failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Both companies communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I, XXXX XXXX, has suffered and continues to suffer general and specific damages. I am also very upset at their firm 's intentional infliction of emotional distress and at the other diminished quality of my life. 

I am now demanding the immediate and complete removal of this trade line from my credit reports ( XXXX, XXXX, and XXXX ) as well as within both company 's systems. As I am currently attempting to apply for credit, time is of the essence. Please understand that I am extremely concerned about the consequences of the actions their firm is having on my life. Including but not limited to harassing text messages, phones calls, and inaccurate reporting. Thank you in advance for your attention to this matter.
Consumer complaint received 2024-08-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NY)

In 2023, Mohela and I agreed on a repayment plan for my student loans. I have the paper work with the stated repayment plan from Mohela. Recently, Mohela transferred platforms and increased my payments by {$100.00}. This goes against the agreed upon repayment plan and there was no warning or correspondence from Mohela about the increase. I called to see why this happened and why they are not following our agreed upon payment plan. I could not get an answer from their customer service. I can not afford this increase and I am frustrated that Mohela was unable to look at their own original paperwork to see that they made a mistake when transferring the loan to the new platform. They are taking advantage of good customers. My loans are in good standings and I always pay on time. I am now worried about my financial future due to this error that they can not seem to fix.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIRST COMMONWEALTH FINANCIAL CORPORATION (PA)

I closed my checking account with first commonwealth bank in XX/XX/XXXX was given the the amount of money left in the account. The bank didn't close the account until the next day XX/XX/XXXX and the account was charged over {$88.00} after I had closed the account the previous day
Consumer complaint received 2024-08-22
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Cloud Willis & Ellis, LLC (AL)

Couldnt contact them for months gave the account to another person to collect alleged debt from me randomly call me back saying I allegedly owe more than I do also trying to charge junk fees first woman I talked to back In XX/XX/year> threatened garnishment if I did not pay the original creditor XXXX XXXX XXXX also threatened legal action against me if I did not comply with paying alleged debt
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

I have attempted several times to work with this company directly in resolving my complaint. I have a late payment reporting on all three credit bureaus from this account inaccurately I could not get in touch with the company to make a payment and they blocked me from using their app for over two months. I HAVE SINCE PAID THIS ACCOUNT IN FULL AND ASKED FOR THE LINE OF CREDIT TO BE CLOSED THE ACCOUNT IS STILL REPORTING AS OPENED ON MY CREDIT REPORT AND NOW IT IS SHOWING TWO ACCOUNTS WITH THIS COMPANY BOTH HAVE THE EXACT SAME INFORMATION AND IT IS MAKING IT APPEAR THAT I HAVE FOUR LATE PAYMENTS ON MY CREDIT REPORT THIS ACCOUNT SHOULD BE CLOSED NOT OPEN AND IT SHOULD NOT BE REPORTING TWICE ON MY CREDIT FILE PLEASE CORRECT THIS INFORMATION AND FOR THE LAST TIME CLOSE THIS XXXX ACCOUNT YOU ARE COMPLETELY UNRESPONSIVE TO MY EMAILS AND THAT IS THE ONLY WAY TO CONTACT YOU. CLOSE ANY ACCOUNTS THAT I HAVE WITH YOU AND IF YOU CLAIM I HAVE TWO ACCOUNTS I WANT PROOF MAILED TO MY ADDRESS XXXX XXXX XXXX XXXX XXXX az XXXX showing that I applied and opened two accounts. I AM BEYOND XXXX AND AM GOING TO BE VOICING MY OPINION EVERYWHERE I WILL ALSO BE CONTACTING AN ATTORNEY.
Consumer complaint received 2024-08-28
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (PA)

I received a letter in the mail stating that hunter war field was attempting to collect a debt. I replied on the letter stating that I wanted validation. I did not receive anything in the mail and noticed this debt my credit report in XXXX of 2024. I had a security deposit in the amount of XXXX which should have went toward the amount owed. The amount they are attempting to collect is incorrect.
Consumer complaint received 2024-08-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

On XX/XX/year>, I made wire transfer ( {$XXXX} from my checking account ) via Bank of America website to my father whose bank is in XXXX XXXX ( XXXX XXXX, XXXX XXXX XXXX ). For some reason, my XXXX  could not receive it so I reached out to Bank of America wire transfer department, and they said beneficiary information was incorrect so it could not go through my XXXX  's account. That was already XXXX weeks after I attempted my wire transfer. So then I wanted my money back so I informed Bank of America that I want my money back. Ever since that I have been waiting for my money for this entire XXXX but still I haven't got it back. I reached out to Bank of America wire transfer department multiple times, and all they said were " We are still waiting for the other bank sending money back so we can credit it back to your account. '' It's been already more than 1 month since I attempted wire transfer and I still don't know where my money is. 

I even asked Bank of America what the intermediate bank is hesitating to send my money back so maybe I could reach the bank directly by myself to make this case handling faster but Bank of America refused to give out that information.
Consumer complaint received 2024-08-22
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: TomoCredit Inc. (OH)

I contacted Tomo about the credit repair Boost product to improve my credit score. I have never received services and Tomo is advertising services that Tomo knows the company can't provide. When I attempted to resolve the issue Tomo responded that I signed a contract that will not allow for refunds. Tomo is admittingly engaging in gross enrichment and refuses to provide me with a service or a refund. Money was accessed without my permission and stollen from my account after I had cancelled my account. I voiced my concerns the XXXX month after receiving no services in which I was told to continue to pay while I awaited to receive services from Tomo. XXXX  months later XXXX claims I agreed to pay without ANY SERVICE PROVIDED through solicitation by false advertisement.
Consumer complaint received 2024-08-22
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: TomoCredit Inc. (OH)

I contacted Tomo about the credit repair Boost product to improve my credit score. I have never received services and Tomo is advertising services that Tomo knows the company can't provide. When I attempted to resolve the issue Tomo responded that I signed a contract that will not allow for refunds. Tomo is admittingly engaging in gross enrichment and refuses to provide me with a service or a refund. Money was accessed without my permission and stollen from my account after I had cancelled my account. I voiced my concerns the XXXX month after receiving no services in which I was told to continue to pay while I awaited to receive services from Tomo. 13 months later Tomo claims I agreed to pay without ANY SERVICE PROVIDED through solicitation by false advertisement.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
COMENITYCAPITAL/ULTA XXXX
Consumer complaint received 2024-08-22
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: Collection Bureau of the Hudson Valley, Inc. (MO)

I am writing to express my deep concern regarding the disputed accounts on my credit report. Despite multiple requests, the inaccuracies in these accounts have not been addressed, and I have yet to see any resolution or corrective action. These errors are causing significant harm to my credit file, severely affecting my ability to live a normal life. 

The impact of these inaccuracies has placed me in a difficult situation, and I am left with no choice but to urgently seek your help in resolving this matter. I kindly request that a thorough investigation be conducted into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. 

With your assistance, I hope to restore the accuracy and integrity of my credit file, allowing me to regain control over my financial well-being. I sincerely urge you to give this matter your immediate attention and take swift action. Your prompt cooperation in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and support.
Consumer complaint received 2024-08-28
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (VA)

I received a message from square stating on XX/XX/XXXX After a comprehensive review of your account, we have determined that we are still unable to process payments for your business. Our decision to deactivate your account is final. 

We understand that it can be frustrating to have your account deactivated. However, due to security concerns and the obligations of our agreements with card networks and other financial institutions, we can not provide additional details They have yet to explain why my account has been canceled. They said my money would be available XXXX XX/XX/year>, however its not available and no one will respond or to sent calls. I emailed three times in XXXX, in XXXX, XXXX and XXXX
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Dave Operating, LLC (MA)

At about XXXX EDT on Wednesday, XX/XX/XXXX my husband and I called Dave.com about a fraudulent debit card being set up in my name. The card was mailed to us and I had been a victim of identity theft a couple months ago. The initial support person we spoke with verified the address and name on the card. The phone system also verified the card number before speaking with the support rep. In order to access the account and help us further they asked for my birthdate, PII, and not only are we not comfortable handing this out to a company we don't trust, it is not information they should require for us to report fraud and have the account shutdown. We asked for their supervisor and they were initially unwilling to escalate us to said supervisor. We finally got a supervisor who continued to request all kinds of PII in order to proceed. Without a birthdate they were unwilling to assist. We were told instead that we can email a photocopy of my ID ( more PII they shouldn't have ). We informed them we are reporting the fraud and that if they continue to not assist or if anything happens as a result of the account not being shut down that we will likely be taking legal action. When asked for the supervisors boss we were told there is no one else we could speak to over the phone. 

When dealing with all of the major banks over the last XXXX months or more we have not needed to provide PII in order to deal with fraud. Willingly handing out PII to untrusted parties should not be standard practice in order to report fraud and have action taken.
Consumer complaint received 2024-08-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Carvana Group, LLC (VA)

I let Carvana run my credit ; car was preapproved and I was allowed to make a down payment on the car only to be told it was a part of a bankruptcy. XXXX. I filed XXXX XXXX in XXXX and made payments on the existing vehicle - the car was never apart of the discharge. XXXX. If the bankruptcy impacted any future purchases or the present XXXX  I have why didn't Carvana come and get the vehicle. NO funds have been removed from my bank account however this company allowed me to make a down payment on a loan that was obviously not fully processed with the finance company. I made the down payment via XXXX on XX/XX/XXXX and was provided a delivery date and time which would have been on XX/XX/XXXX. I understand saying it is denied because of the bankruptcy but this company allowed me to do a full down payment transaction. The down payment was for {$2000.00}. This is shady business practices at it's best. Sending a complaint to the XXXX  as well.
Consumer complaint received 2024-08-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SANTANDER HOLDINGS USA, INC. (GA)

Santander Consumer USA Debt Validation Request Account Number : XXXX I am writing to verify some information I have discovered on my consumer report that is violating my rights. I am requesting that you provide me with proper documentation to validate this debt in accordance with the Fair Credit Reporting Act ( FCRA ). 
Under 15 USC 1681, Section 602, I have the right to privacy. In accordance with my rights under these laws, I request that you cease and desist all collection activities related to this debt and remove it from my credit report within 14 days of receiving this letter. Should you fail to comply, I will initiate debt validation methods.

For my debt validation methods these are the things I would require from you. I would require the following information : To validate this debt, I require the following information : 1. Proof of Agreement : Provide a copy of the original contract or agreement with my signature indicating that I agreed to this debt. ( Which I did receive ) 2. Bonding Insurance : Provide evidence of the bonding insurance you have as a collector, in case I choose to pursue further legal action.

3. Chain of Title : Provide documentation showing the chain of title for this debt from the original creditor to the current collection agency.

4. Debt Details : Provide the date and the amount of money that I officially became in collection with your company.

Until you provide all of the above information, this debt remains an alleged debt, and I do not acknowledge any responsibility for it. I expect your prompt and complete response within 14 days.

Failure to provide the requested information will leave me no choice but to pursue all available legal remedies under the Fair Credit Reporting Act, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-08-28
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc. (TX)

This agency never sent a letter about this alleged debt. The status of limitation for Texas is 4 years and 7 years nationwide. This alleged debt should not be on my report any longer. I continue to get harassing phone calls at all times of the day about this alleged debt and would like for the harassment to stop.
Consumer complaint received 2024-08-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Delete this account since you can't demonstrate that it belongs to me, despite the fact that you're reporting it without any supporting evidence. Please give proof that my rights have not been violated and that this account should be shown on my credit record. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NM)

i have recently opened a credit card with CITI CARDS DOUBLE CASH BACK, that being said i have had the card for only a short period of time and every single time i use that card my account gets flagged through XXXX XXXX and right away gets flagged for fraud, i have been dealing with this problem for the past 2 months and it has been awful! ... i have to keep calling the fraud dept everytime i use the card to verify my transactions then they unlock the card then they tell me that im not going to have these issiues anymore then next thing you know i get flagged again and again and again, now this is the 3rd time my card has been suspended, because citi fraud dept wants to send a letter to my house for the 3rd time with a pin number to verify that it is indeed me that has this card and everything is correct on the account! ... i have pleaded with citi bank over 50 t times within the past 2 months to please fix this issue, and they have failed so, when they keep telling me that they have resolved the problem and moving forward i will not have any problems. and now currently my card is suspended, last week i went to go take my daughter to collage and i have told citi cards to please put a travel notification and to please not to freeze or suspend my card when im traveling and they have assured me that they was not going to, then the worst has happened!!!!!!!. they actully suspeneded my whole account until i receive another letter with a pin number in the mail to verify my account!. i pleaded till i was blue in the face and they have refused to help me in this matter, i had to call my sister to XXXX me {$2000.00} so i can book my air bnb through my debit card this was the worst experiance in my life that i ever had to go through!. i am asking the cfpb to please step in and get involved to help me in this sitiution please. this issuie needs to be resolved!
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (GA)

Dispute made on XX/XX/XXXX, was denied due to fraudulent charges. The bank did not give accurate details or reasons. After I gave several documents. Also a dispute was made XX/XX/XXXX, for a number of charges at bars and restaurants. After all documents and evidence was given. I was still denied after a couple of hours
Consumer complaint received 2024-08-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On Wednesday XX/XX/XXXX around XXXX i received an email from XXXX XXXX they informed me that for my security my account has been restricted that i should call them to verify transaction and made sure that was me. Around XXXX i did call them and i spoke to one of their representative, a lady she was so mean, unprofessional and discriminate me. That day i receive a XXXX of {$1000.00} from my roommate in order to pay our rent, she asked me about the transaction and i gave her all the informations his name and number. She asked me also about some transactions and I gave her all the informations needed. Then she ask me about a transfers that i received i gave her all the informations she needed. And after that she still blocked my account. Now Im not able to pay my rent since I cant access my fund and they dont know when they will resolve that problem. Then during the weekend they sent me an email saying that based on their current informations they determined that the unusual activity they found is inconsistent with their expectation for account usage. Whats the point to have a bank account if I cant use it, why accepting the XXXX? Im surprised cause when i was deposit the money they did not ask me to verify it? Im so disappointed and I will face eviction if I cant pay my rent cause my account is restricted and I cant use my fund.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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.