davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE (MI)

I had a XXXX on an airplane on the way home from vacation in XXXX. Airline requires 24 hours to elapse before I can travel. I was with my wife and XXXX children both under the age of XXXX. I instructed my wife to go home and stayed behind in XXXX where I had XXXX more XXXX and was transferred to a hospital in XXXX where I was placed in a XXXX XXXX XXXX until a medical airplane transported me back to the US. In between that time, The hospital staff in XXXX charged my debit card and credit card without my consent as I was XXXX XXXXXXXX. The credit card company returned the funds but the bank has refused to return the funds even though it was not unauthorized.
Consumer complaint received 2024-07-02
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC. (FL)

My account number with Chrysler Capital is XXXX. I got this loan in XXXX and had a 7 year loan and still have not paid this car off. My loan had an additional year of payments which they said was due to fees and deferments. I was out of deferments years ago but still have a non principal balance due. They said I was 40 days late and delinquent by {$3.00} which was likely reported on credit. I paid the {$3.00} and have over {$1100.00} due according to XXXX statements and {$1800.00} due when I request a balance online. The original car costs was {$36000.00} and I pay {$650.00} each month. It has been almost 10 years. I think they owe me money at this point.
Consumer complaint received 2024-07-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC (GA)

Im currently in the process of purchasing my first home and have been working with a lender when I pulled my credit report and noticed inaccuracies on my credit file such as unknown collections and inquiries. I first tried to dispute them with credit bureaus, then the actual debt collectors. Some where removed but some were not. Below are the accounts that have refused to be removed and as a result are preventing me from receiving approval for lending. 

Per the FCRA 15 usc 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct # XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct # XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Acct # XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Acct # XXXX {$350.00}
Consumer complaint received 2024-07-01
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (CA)

I am a client with first citizens bank. I was supposed to get a social security check via direct deposit today XX/XX/2024. However when I checked my account, my finds were not in my account. The social security administration said they sent my direct deposit to first citizens bank. So I contacted the bank & they informed me that there is an issue with in the bank that is making it difficult for the to process direct deposits. They did not give me a time frame as to when this issue will be resolved. So due to this issue, I do not have my money & therefore I can not pay my bills or pay my rent on time. Nor can I go buy groceries. The worst part is no one at first citizens bank can provide me with an answer as to when this issue will be straightened out & I will get my money. So now I am not getting my money & I am suffering major distress due to an issue with in the bank that is out of my control. I have to suffer because of the bank 's error.
Consumer complaint received 2024-06-30
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (CA)

I own a Chase Sapphire Preferred Travel Credit Card. 

On XX/XX/year>, I booked XXXX flights through Chase Travel, using XXXX points and paying {$200.00}. 

On XX/XX/year>, I canceled the flight due to the death of my partner, receiving a refund of XXXX points and {$200.00}, but I was also charged a {$220.00} cancellation fee. 

On XX/XX/year>, I submitted a claim to Chase Card Benefits Services as my case is insured according to the policy and confirmed by a Chase agent. I requested reimbursement of the {$220.00} cancellation fee. 

On XX/XX/year>, Chase approved {$18.00} for the claim. However, my policy provides coverage up to {$10000.00} per person and {$20000.00} per trip, and my claim was for {$220.00}. I requested a further review. 

On XX/XX/year>, Chase requested additional documentation : " The cancellation or refund policy from your airline, cruise line, hotel, or other travel supplier. The travel supplier hasn't responded to our requests, The cancellation or refund policy from your airline, cruise line, hotel, or other travel supplier. The travel supplier hasn't responded to our requests, so please send us a copy of the policy. '' Despite my efforts, I couldn't obtain this from the travel supplier, so I provided all available documents, including the cancellation policy and a screenshot of the {$220.00} travel statement. 

Since then, Chase has not actively progressed with my case. I have diligently provided all reasonable documentation, including itinerary, trip receipts, and transaction records. Despite this, I continue to be asked for additional documents repeatedly. 

Given these circumstances and the lack of progress, I am preparing to file a formal complaint regarding this matter.
Consumer complaint received 2024-07-10
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LDF Holdings, LLC (SD)

This company is conducting illegal loans it charges over 400 % interest which is illegal in my state of South Dakota its a pay day loan under the pretense of an installment loan using XXXX XXXX  to conduct illegal business practices. It bankrupts the people who use its services and lies and is a predator loan company. This company is in violation of the rico act. It attempts to collect more than you owe and the interest rate is immoral. The federal government should step in and put a stop to this insane lending at interest rates that would bankrupt anyone. I am a citizen of the USA and not a citizen of a XXXX and revoke any consent I have given you and am under federal law and jurisdiction. This is illegal and should be stopped.
Consumer complaint received 2024-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

In XX/XX/XXXXXX/XX/XXXX declined my application forXX/XX/XXXX XXXX ) school misconduct ( private loans ) loan discharge even thought I met all the criteria required and they contacted me to apply. I went to the now defunct school (XX/XX/XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXXduring the time period in question and was steered into the Sallie Mae ( now Navient ) predatory loans and offered the same predatory repayment plans. Navient did not give a reason for my denial. 

In XXXX Navient also denied my petition for forgiveness of private student loans under a separate settlement ( https : XXXX ) with my home state of XX/XX/XXXX Again, even though I went to the stated for profit university, during the right years and was steered into predatory repayment plans, Navient did not forgive my loans because I was not in default status ( a requirement of the settlement ). I informed Navient that at the time I had a security clearance and as such could not be in a default status on any loan. This was the only way to keep my job and make enough money to make my interest only payments on the predatory repayment plan they gave me - a real catch XXXX. Navient said that although I met all the other criteria of going to a school that defrauded students, has now closed, and put into repayment programs designed to keep me in debt that they were not going to discharge my fraudulent loans because I was not technically in a default status. The repayment program I was not would never and has not touched the principal balance since XXXX.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2019-05-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Conn's, Inc. (NC)

I have a loan with CONNS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and CONNS with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2022-10-28
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PR)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct them immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021
Consumer complaint received 2024-07-10
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (CA)

I am part of the XXXX v XXXX XXXX agreement due to fraudulent practices by my college, XXXXXX/XX/XXXX on XX/XX/XXXX when I enrolled in college, and pressuring me to sign for an unnecessary private loan with Navient. https : //navient.com/about/ The navient loan is crippling me in debt as even though I have been paying for years, the original balance of {$19000.00} is at XXXX as of XX/XX/XXXX and keeps going up. I was falsely promised by XXXX admission counselors that I would be making $ XXXX $ XXXX after graduation and was forced to sign for the Federal and then this private loan as well. Emails are attached. I am still paying my XXXX yr private loans where I struggled for years to make payments and continue to do so. And this financial struggle continues as I make the private loans the balance keeps going up, while I have a family to support, crippled with bills. The University deceptively and without my consent pushed me to sign for this private loan with Navient and since XXXXXX/XX/XXXX approved it for the federal loans, I am requesting the same with the private loan. 

I opened the initial complaint with CFPB on XX/XX/XXXX, XXXX. Navient first reached out with acknowledgement on XX/XX/XXXX and then denied on XX/XX/XXXX based on : " Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school '' I called customer service and requested explanation and NONE was given to me on the reasons for denial. This does not make sense to me while I have recorded proof of pressure tactics, wrong information, deceptive marketing by XXXX to pressure me to sign for Private loans that I did NOT need and continue to pay for as the interest keeps increasing the balance. 

I am requesting CFBP help again to help escalate this matter with Navient.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (AR)

I have filed several disputes and each one was denied in 2022 I was XXXX XXXX sent chime my information of me being XXXX XXXX  at the time of the dispute and still couldn't get my money back. I have been with chime for years and lost money and took as a lost because they say the investigation showed no error occured
Consumer complaint received 2017-03-07
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A. (NY)

I had identify theft back in 2007 a citibank account was opened for me through my first job. The day before i got paid i lost my wallet with my information in there..i made a report about it to citibank but have n't gotten no help..then i opened a XXXX account so i can get my paycheck deposit there..but i guess the person that had my information from previous situation had gotten a hold of that account..and opened numerous bank accounts in my name and this destroy my credit to the point I ca n't open no bank accounts..i read online it takes 7 years to renew or able to open another bank account its been 10 years with my situation and i still ca n't open a bank account please help me.
Consumer complaint received 2024-06-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Portfolio Services, Inc. (CA)

Consumer portfolio charge off my debit and sent late payments reports that are not accurate to my credit report XXXX and XXXX and XXXX that is affecting my ability to get credit. This account with consumer portfolio is charged off and I no longer have a debit with this company. It was illegal sold to a third party XXXX XXXX XXXX which I never had any debit with. Now I am having problems getting credit because of the negative reports sent to my credit report XXXX and XXXX and XXXX. I have asked to have these negative reports be removed immediately from my credit report especially late payments reports that are inaccurate.
Consumer complaint received 2024-06-30
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (SC)

I was never notified of this debt at all from Jefferson Capital. They are legally obligated to notice me of a debt before placing it on my credit report. It needs to be removed.

They are also not allowed to collect in the State of South Carolina. They have no collections license in SC. 

I am requesting them to Cease and Desist any collection efforts directed towards me physically and through reporting to my credit profile reports. I do not have a a contract with them. Nor do they have permissible purpose to report this collection on my credit report.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

To Whom It May Concern : How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 
I listed below all the information that I found to be untrue, incorrect, incomplete, untimely, and not verifiable, and unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer.

C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX XXXX XXXX  - Account XXXX XXXXXXXX XXXX XXXX - Account Number : XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SG and Associates (TX)

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 2024-07-01
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: SANTANDER HOLDINGS USA, INC. (TX)

I HAVE HARD INQUIRIES THAT I DIDNT NOT AGRRE TO NOR HAVE KNOWLEDGE OF WITHOUT MY CONSENT THAT CAUSED MY VREDIT TO DROP IN A BAD SPARROW AND I NEED TO GET THEM ALL WIPED AWAY ASAP BECAUSE OF HINDERING ME FROM THINGS I CANT POSSIBLY DO SUCH AS GET A HOUSE OR A VEHICLE IVE BEEN TRYINGBTO GET YHIS UNDER CONTROL FOR THE LAST FEE YEARS NOW THAT I HAVE THE RIGHT RESOURCES AND TOOLS ILL LIKE TO CARRYON ON GETTING MYBTHINGS IN ORDER FOR OTHER PARTNERSHIP TO MAKE MY LIFE BETTER HOW I PLANNED IT.
Consumer complaint received 2024-07-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: LOBEL FINANCIAL CORPORATION (CA)

They auto loan company XXXX  financials been updating and still reporting debt that doesnt belong to me on my credit report. They are violating my rights. And its been over 7 year mark, so that debt needs to be delete all my credit report.
Consumer complaint received 2024-07-01
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Arivo Acceptance, LLC (NV)

I have tried to refinance my vehicle twice with XXXX different banks or financial institutions. Both companies have informed me that Arivo Acceptance have not reported any payments I have made on my auto loan to the credit bureaus since XX/XX/year>. It has been 15 months since any payments have been applied to my credit report which has hindered my ability to obtain refinancing and has greatly impacted my credit score in the process. I have called Arivo Acceptance and emailed their credit department to no avail. Financial institutions have informed me that the current balance displayed on my credit report is close to $ XXXX, it is actually $ XXXX, due to this inaccuracy, I have been denied refinancing multiple times.
Consumer complaint received 2024-07-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAINE & WEINER COMPANY, INC. (GA)

Non-receipt of Debt Information : I did not receive any notification from [ Creditor/Debt Collector 's Name ] regarding this debt. According to the Fair Debt Collection Practices Act ( FDCPA ), I should have been provided with written notice detailing the amount of the debt, the name of the creditor, and my rights to dispute the debt within five days of their initial communication. This notice was never provided to me.

Lack of Knowledge of Dispute Rights : I was unaware of my right to dispute this debt. As per the FDCPA, I should have been informed that I have the right to dispute the validity of the debt within 30 days from receiving the initial notice. Since I did not receive such a notice, I was not aware of my rights to dispute. 

Absence of Dispute Rights Notification : The creditor/debt collector failed to provide me with a notice of my dispute rights. This omission is a violation of the FDCPA, which mandates that consumers must be informed of their right to request validation of the debt and dispute it if necessary.