davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (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, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX has violated my rights. 
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.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

This is very frustrating. There are a lot of errors on my credit report, some even has missing information- my requests to correct these remain unaddressed which had detrimental effects on both my life and credit. My credit score is really important to me and having incorrect information on it causes me stress and being rejected on my new credit applications.
Consumer complaint received 2024-06-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Possible Financial Inc (CA)

I am a victim of identity theft. I was parked downtown XXXX XXXX when my car was broken into and my wallet and other various accounts. I have no connections or knowledge of any account listed. 

please help me I tried everything and its no resolution. 

someone even have an eviction in North Dakota in my name which I have never lived outside of XXXX ca. 

please please help these aren't mines.
Consumer complaint received 2024-06-07
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: JPMORGAN CHASE & CO. (AZ)

NOTE : There's not really any major dispute in events that I'm aware of, so for documents, I'll attach XXXXXXXX XXXX  own employee notes. The documents, fax receipts, or anything else I will produce upon request. 

I am writing to file a formal complaint against XXXX for their illegal foreclosure on my deceased mother 's house and their blatant disregard for my rights under the Real Estate Settlement Procedures Act ( RESPA ), particularly the XXXX update pertaining to successors in interest. 

Upon my mother 's passing, I promptly established contact with XXXX, despite it being their legal obligation to reach out to me. I inquired about the necessary steps and offered my mother 's power of attorney, which XXXX employees confirmed would grant me access to the account, as noted in their records. When this approach failed, I went through the probate process and faxed my probate documents to XXXX on XX/XX/XXXX. However, this effort was futile as it did not grant me access, and no one could provide an explanation. 

Throughout the months of missed payments, XXXX never attempted to contact me. The notice of default was addressed to my deceased mother, further complicating the situation. After the foreclosure, I repeatedly raised concerns with XXXX employees, emphasizing that it was illegal for them to refuse my payment despite my diligent efforts. I explicitly mentioned RESPA violations, but my concerns were consistently dismissed. 

On XX/XX/XXXX, the Friday before the auction, a XXXX employee finally decided to investigate the issue. After thorough examination, he identified that the unresolved issue from XX/XX/XXXX was my photo ID. Despite acknowledging the error, no accountability was taken, and the employee stated there was nothing he could do except advise me to apply for loss mitigation. 

I am a 100 % XXXX XXXX veteran, and losing my home to XXXXXXXX XXXX unlawful actions would strip me of approximately 30 % of my monthly income, which would now have to be allocated to rent. The actions of XXXX have caused indescribable damage to my life, preventing me from gaining closure on the most traumatic experience I have ever faced. I came to live here in XX/XX/XXXX to take care of my Currently, I am actively involved in a wrongful foreclosure lawsuit against XXXX. I am seeking the CFPB 's assistance in not only strengthening my lawsuit but also in establishing a claim for the maximum possible damages. I firmly believe that XXXXXXXX XXXX actions are in clear violation of RESPA and the XXXX update regarding successors in interest. 

I kindly request that the CFPB thoroughly investigate this matter and take appropriate action against XXXX. Their practices have not only caused me significant financial harm but also immense emotional distress. 

Thank you for your attention to this urgent matter.
Consumer complaint received 2024-06-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.
Consumer complaint received 2024-06-10
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (IN)

Alright let me start at the beginning I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used aggressive and deceptive recruitment tactics, such as pressuring me to enroll or take out loans or discouraging me from discussing my decision with family and friends. XXXX failed to live up to its obligations under a contract. 
My private loans I have been paying on these for a good while now the loans where through Navient I tried multiple times to call to get help to consolidate so I didnt have multiple private loans with all different high interest rates, I actually had to take a pto day off of work because I was on the phone so long with Navient support which they kept handing me off to the next person finally I just got upset and got short with them and finally a support guy was able to at least give me a number to call. The number they gave me was to XXXX which I guess they said was a sister company and the only one that would take this XXXX personal loans to consolidate them. So Ive been paying XXXX now a few months on time and I seen that Navient you can fill out a Misconduct Discharge Application and they will send you and you fill out and you could possibly get your private loans wiped out specially these XXXX private school loans. I sent the email requesting the form and this is what they sent me back. 
Thank you for inquiring about a school misconduct discharge for your private loan. Your loan type ( Refinance ) does not meet the criteria for you to receive an application. If you are having difficulty making your current payment amount on the loan and are seeking information on any options that are available to you for your specific financial situation, please call us at XXXX where a specialist will work with you to assist you further on this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have a Credit Card with Bank of America : The Card Number is XXXX XXXX XXXX XXXX, that i always pay on time, 2 months ago i tried to use the card to put gas in my car, the transaction was cancel, when i call bank of america about that subject, they told me that they blocked the card because they proof that i am a citizen. I sent to them : My Social Security, Passport, Tax Return, what ever they asked me, they never call me back i have to call them every day no concret answer, Finally on XX/XX/year>, Bank Of America, sent me a letter to tell me that, they are sorry, they can't reopen my account because, i have too many accounts open. I called them, to explain that i '' m a good customer, never late on my payments, they told me that the decission is Final. now they keep charging me fees and Minimum payment. i call Bank of America to advise them, that i dont have a job now, they told me that is my problem, that i have to pay the fees. please i need help to stop that.
Consumer complaint received 2024-04-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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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: EQUIFAX, INC. (AL)

On about XXXX of 2022, I informed XXXX XXXX and credit reporting agencies I wasn't late under 15 USC 1666b and 15 USC 1637. They have ignored my request and keep blemishing my credit files. Also keep adding fraudulent inquiries on my credit files as well.
Consumer complaint received 2024-06-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (TX)

I applied and was approved for the XXXX plan back on XX/XX/XXXX. At the time of approval, I received a letter informing me that my new monthly payment will be {$680.00} for XXXX months starting on XX/XX/XXXX. I was expecting {$680.00} to be the amount of my auto draft but the auto draft amount was only {$420.00}. So to make up for the shortfall I started to apply some extra payments in XXXX to catch up for the shortfall and made a {$550.00} payment on XX/XX/XXXX so that the payment that would come out on XX/XX/XXXX would be enough to cover interest and principle due for all loans. 

To my surprise no payment came out that month and one didnt come out until XXXX for the auto draft and was still only {$420.00}. Since that time I have had to resort to making extra payments and trying to keep track of the interest since NelNet initially put me into a negative amortization that I would never have been able to get out of on auto draft alone. 

I tried calling an agent to figure out what the best case would be and she explained that since my scheduled payment was supposed to be enough to cover interest there is nothing she can help with even though the system was pulling a lesser amount given my due dates were not aligned. So I asked her during that call to go ahead and submit a request to have all my due dates aligned but this never happened. 

Additionally, the whole reason for signing up for XXXX was to get rid of any negative amortization but instead I am having to pay it all myself. This whole process has been misleading with how NelNet has described the benefits I was supposed to receive, the process that was implemented to avoid me having these benefits with an auto draft less than my payment amount, and I could not reasonable avoid this harm that they established. I feel like this directly violates XXXX as being deceptive and unfair. I have been forced to keep making my payments manually because all the due dates are messed up. Now my normal payment amount shows XXXX XXXX which contradicts my payment schedule amount. Plus there is nothing I can do to correct this.
Consumer complaint received 2024-04-30
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: EQUIFAX, INC. (FL)

I recently received a copy of my XXXX XXXX XXXX report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX, XXXX XXXX XXXX {$880.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$2000.00} US DEPT ED XXXX Balance {$2100.00}
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY (FL)

What happened? 

I am filing this complaint because American Express has repeatedly reduced my credit limit without valid reason, in violation of my rights under applicable laws. Despite having an account in good standing, American Express has taken adverse actions that have negatively impacted my financial standing. Due to these repeated reductions and the negative impact they have had on my credit profile, I am requesting the establishment of an open-ended credit account that settles at the end of each month, with occasional interest charges as permissible by law.

Relevant USC Codes and Regulations : 15 U.S.C. 1601 et seq. ( Truth in Lending Act - TILA ) : Requires disclosures about terms and cost of credit, promoting the informed use of consumer credit. 
12 CFR Part 1026 ( Regulation Z ) : Implements TILA, requiring creditors to provide detailed information about the cost and terms of credit.

15 U.S.C. 1691 ( Equal Credit Opportunity Act - ECOA ) : Ensures fair treatment of consumers by creditors, prohibiting discriminatory practices.

12 CFR Part 1002 ( Regulation B ) : Implements the ECOA, outlining requirements for creditors to provide equal credit opportunity.

15 U.S.C. 1666 : Addresses billing error resolution in open-ended credit accounts.

12 CFR 1026.6 : Requires disclosure of terms and conditions for open-ended credit accounts, including interest charges.

15 U.S.C. 1681b : Regulates the permissible purposes for which consumer reports can be furnished.

15 U.S.C. 1691 ( a ) : Prohibits creditors from discriminating against applicants on various grounds.
Consumer complaint received 2024-06-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (MA)

On Friday XX/XX/XXXX my debit card was used to make multiple unauthorized transactions for around {$500.00} each. I didn't notice it till the next day when I went in to check my account. My debit card went missing and chime wouldn't allow me to dispute the charges at first because the transactions were still pending. I was able to dispute the charges yesterday afternoon on XX/XX/XXXX and I'm still waiting on a response from them but they said it could take a full month before I hear anything in their automated response.
Consumer complaint received 2024-08-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC. (NY)

I opened an Ally Invest account with Ally Bank in XX/XX/2024 under the term that setup 3 monthly deposits and received {$100.00} new account bonus. I continued it for 4 months and fulfilled the requirement, but Ally Bank refused to honor the original term and refused to credit me the bonus.
Consumer complaint received 2024-06-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

In my previous request i requested that LVNV Funding to provide a copy of any and all signed agreements from me and the creditor bearing my personal signature which establishes my liability for this alleged debt. Therefor I am disputing the accuracy of the information provided in your verification response, as i believe it lacks the necessary documentation and details to validate the debt. As such again, i am requesting that you provide me with a comprehensive and legally required method of verification which entails each item I requested in my previous request. If you are unable to provide me with that information I request that you cease any other collection attempts and any reporting to the 3 major credit bureaus and remove this negative account from my reports. Please refer to Consumer Right code 611. Procedure in case of disputed accuracy [ 15. U.S.C.1681i ]. It reads ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (CA)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section XXXX o XXXX states I have the right to privacy ( 15 USC 1681 ( section XXXX XXXX XXXX a section XXXX ( it also states a consumer reporting agency can not furnish an account without my written instructions under XXXX USCS XXXX a creditor may not treat a payment on a credit card account under an open end consumer credit as late under any purpose
Consumer complaint received 2024-06-10
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (OH)

Confirmation # XXXX XXXX XXXX from XXXX. Date of transaction XX/XX/year>. {$1100.00} from XXXX was charged to my discover card. I canceled my reservation with booking and had also contacted the hotel to confirm that I have cancelled. XXXX said my cancellation was free of charge and within their rules of regulations and I will be granted a refund. Called multiple times as emailed XXXX and told me to submit documentation. I sent an official discover credit card statement with the charges and their name on the chargeXXXX XXXXXXXX claims they dont see a charge and will further investigate. Called discover and they said booking submitted document falsely claiming that we didnt canceled correctly and should now be refunded. Called booking again and they said that I did everything correct and that I need to resubmit documents for proof and that they will refund. Also XXXX had one representative tell me that I was a liar and that they dont see any charges which was upsetting and false and proceeded to hang up on me since they had no idea what else to say to me. I feel like XXXX can see I did all the correct steps, but corruptly sending false information so they dont have to refund their customers back and try to blame the hotel or credit card companies, when it is them that are causing all of the disruptions and are mishandling customer payments. They will always pretend that they have no idea every time I call and request documentation in email form. Ive done this every time theyve asked and they still give me the runaround. Ive contacted the hotel property and they had said I did cancel and was not charged. The hotel did not receive any funds from XXXX So at this point booking has funds that dont belong to them. XXXX keeps telling me to call the hotel or credit card company to get my money back when they are the ones who made the mistake. Then keeps sending false information to my credit card company to block me from my refund. Every time Ive called XXXX the representative informs me that I did in fact do everything correctly to have a free of charge cancellation, yet restarts the process every time and ask for documentation when this has been done multiple times. Ill follow up to check on the status and they always say Im not sure what happened, but lets restart the process again. This is suspicious behavior for a big company. They continue to give the runaround and stating that its the hotel property that is at fault. The hotel that Ive contacted will continue to say that they have not received any funding from XXXX  This needs to be resolved, weve never dealt with this before or have a company send false information to our credit card company when filing a dispute