davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: OPORTUN FINANCIAL CORPORATION (FL)

Oportun has stated in its statement that Federal law limits the information consumers can ask to not be shared.Can Oportun please provide me with documents that support their statement? Because as stated in 15 U.S code 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

The collection agency, LVNV Funding LLC, violated my consumer rights of privacy stated in 15 USC 1681 section 602. The collection agency also violated my consumer rights by publishing information on my credit report without consent and written instructions according to 15 USC 1681 section 604 ( a ) section ( 2 ). The collection agency also violated my rights by using misleading information that violates consumer law published in 15 USC 1666 ( b ), stating that a creditor can not treat a open ended credit card account plan as late for any purpose.
Consumer complaint received 2023-12-19
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE (NC)

I am filing a case with the Consumer Financial Protection Bureau ( CFPB ) to report the issues I have been experiencing with Barclays regarding identity theft and fraudulent activities. Here is a summary of what happened : On XX/XX/ 2023, I received an e-receipt stating that my Banana Republic Barclays credit card was used for a transaction of {$710.00} in the state of Florida. However, I have never been to that state, and I can provide phone records to prove that I was at work in my own state at the time. Immediately after discovering this fraudulent activity, I contacted Barclays to report the identity theft. 

The following day, I received a credit alert notifying me that a Barclays XXXX XXXX credit card had been opened in my name. I promptly contacted Barclays again, filed a case with the Federal Trade Commission ( FTC ), locked my credit file, and disputed all the charges. I was informed that the cases were under investigation. However, Barclays has failed to conduct a thorough investigation and has been unhelpful in resolving the issue. Their customer service representatives have been uncooperative and have provided vague responses. 

Whenever I report fraudulent activity, Barclays automatically issues new cards. However, even before I receive these new cards, I receive alerts that the cards have been used again. I have spent countless hours on the phone with Barclays, but they have not reached a resolution. To make matters worse, on XX/XX/XXXX, Barclays allowed a card that I had reported as fraud and was under investigation to be used, resulting in a loss of {$510.00}. These illegal activities seem to be specific to Barclays, leading me to suspect that an employee may be involved. 

Barclays informed me that the only mechanism they have in place is for me to report fraud when it occurs. Despite my requests, they refuse to refrain from issuing new cards under my name. I feel helpless as there seems to be no end in sight. Every morning, my first task is to check if any illegal activities have occurred in my Barclays accounts. I have provided Barclays with all the necessary documentation, including a police report, FTC report, and phone history to prove the origin of my calls and the steps I have taken to protect my credit since XX/XX/ 2023. However, Barclays has taken no responsibility for the situation and continues to claim that they can only act retroactively if someone opens an account in my name. 

Furthermore, the person responsible for this fraud also requested a credit increase on a card that I never requested. The situation seems to be never-ending, as another card was used in my name just yesterday, once again from Barclays. I am in desperate need of assistance to resolve this matter.
Consumer complaint received 2024-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (MD)

In the year XXXX, I paid for seven ( 7 ) months of individual health care insurance premiums costing {$3200.00}, through the XXXX XXXX  XXXX, which used XXXX XXXX as the medical insurer ( medical insurance company ) which is where I sent all of my payments for my healthcare insurance. On XX/XX/XXXX when I reached the age of XXXX XXXX XXXX ), by the way, my actual birthday is XX/XX/XXXX and then started my XXXX benefits XXXX but I contacted both XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to give them notice that I was going on XXXX because of my age and would no longer need their individual medical insurance. Also I know from my husband 's experience, you can not have two government subsidized medical plans & benefits at the same time. 
XXXX XXXX ( XXXX, GA XXXX Phone # ( XXXX ) XXXX ) ) then sent me two ( 2 ) bills for XXXX & XXXX of XXXX, totaling {$910.00}, which of course I did not feel that I should be billed for since I had already started getting XXXX benefits XXXX Again I contacted both XXXX XXXX and the XXXX  XXXX XXXX to explain the situation, and both said that it was being taken care of, since I was billed in error. But I continued to receive statements from XXXX XXXX saying that I owed them for two ( 2 ) months of medical insurance, again totaling {$910.00} until they threatened to send my debt to a collection agency. 
This has been a nightmare for me because I was led to believe that everything had been taken care and apparently that is not the case since I have now been turned over to a collection agency called - RMS ( The Receivable Management Services LLC ) located at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone # ( XXXX ) XXXX with a Reference No. XXXX. I am in the process of writing and telling this company the same story that I have stated above, but I am not sure that anybody is listening to what I have to say.
Consumer complaint received 2024-07-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (MA)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-05-23
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Sir/Madam, I am writing this letter to dispute an inquiry on my XXXX Credit Report made by Capital One. On reviewing my credit report, I noticed that there was a hard inquiry made by Capital One on XX/XX/year>. I am not in possession of any new Capital One cards and I have not applied for one, nor have I authorized anyone on my behalf to do so.

The presence of this inquiry negatively impacts my credit score and it is crucial to ascertain how it occurred without my knowledge or consent. I am deeply concerned about my identity security and the possibility of unauthorized activity on my credit report. 
In accordance with the Fair Credit Reporting Act, I am reaching out to request an expedient removal of this erroneous inquiry from my report. Additionally, I request a complete investigation into this matter, and kindly ask that you provide me with any documents associated with this inquiry. 
I have attached copies of my credit report indicating the hard inquiry, and other pertinent documents to support my claim. I am hopeful that this matter will be rectified as soon as possible so as to maintain the integrity of my credit information and score. 
Upon completion of the dispute investigation, kindly send me an updated copy of my XXXX Credit Report so that I may verify the removal of the inquiry, along with written confirmation that the inaccurate information has been corrected.

Thank you for your prompt attention to this matter. Should you require any further information, please feel free to contact me at via email at XXXX XXXX faithfully, XXXX XXXX XXXX
Consumer complaint received 2023-04-15
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: Experian Information Solutions Inc. (GA)

XXXX XXXX was in the process of reporting my Mortgage paid in full and never accomplished the task. I called the organization and they have never responded or never showed paid in full. The mortgage I am fully satisfied with why are they not showing paid?
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

I never lived at listed address ... listed address is non existent ... experian refuses to update and delete from profile... 
XXXX XXXX XXXX XXXX XXXX, GA XXXX... 
I want information moved from my personal information...
Consumer complaint received 2023-12-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

While traveling with my wife in XXXX in late XX/XX/2023, I noticed fraudulent activity on my chase bank debit card. The amount in total was almost {$3000.00}. I called Chase Bank fraud department and they have declined my claim 4 times now unlawfully and unreasonably.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (MI)

In accordance to the Fair Credit Reporting Act, XXXX  XXXX, has violated my rights under 15 USC 1681, section 602 states I have the right to privacy, 15 USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan, as late for any purpose.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

XXXX XXXX for XXXX, XXXX for Equifax, and XXXX for XXXX is an account I never made and do not recognize, the account is fraud and should not be on my report at all, This account should be deleted from my credit or closed and all late payments should be removed to stop negativily affecting my credit report. The XXXX inquiry was also not performed by me or my permission, this should also be removed from my credit report because this is fraud. 

There is also multiple inquires from " XXXX '', " XXXX XXXX  '', and " XXXX XXXX  '' which I do not recognize, The inquires that are fraud on XXXX are " XXXX  '', The inquires that are fraud on Equifax are XXXX XXXX ', The inquires that are fraud on XXXX are XXXX XXXX ', The second " XXXX ' inquiry, " XXXX XXXX  XXXX and " XXXX XXXX  ''.
Consumer complaint received 2024-05-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Shellpoint Partners, LLC (CA)

The attached documents show a payment returned, along with a note inside stating something about a check taken. It's not my loan number but was in my letter attached. 

I'm not sure what you want me to call it since I've tried for almost a year to get you to stop this nonsense. so the all is yours. It's criminal. Fraudulent. what more do you need to open the other door to fix it.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my credit report. The collection which I believe to be inaccurate. 
Despite numerous attempts to obtain a purchase agreement or any documentation validating this debt, I have not received any response from your agency or the original creditor. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), consumers have the right to request validation of debts reported by collection agencies. 
Without a purchase agreement or any documentation proving the validity of this debt, I can not acknowledge its legitimacy. Therefore, I kindly request that you provide me with the necessary documentation to verify this debt within 30 days, as required by law. 
If you are unable to provide the requested documentation, I expect the collection account to be removed from my credit report promptly. Failure to do so will result in further action being taken, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Please address all future correspondence regarding this matter to the address listed above. Thank you for your prompt attention to this dispute. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

There is fraud on the below accounts. I have recently detected suspicious activities on several accounts within my credit repot. I am taking these accounts like this very seriously, and am committed to safeguarding the security and privacy of my personal credit accounts. 

Upon thorough investigation, I have identified irregular transactions and unauthorized access on the following accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Fraudulent Activity : Multiple unauthorized transactions and unusual login attempts have been observed on this account. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Fraudulent Activity : Suspicious transactions involving large amounts of money have been detected. These transactions were not authorized by the account holder. 

XXXX. XXXX XXXX Account Number : XXXX Fraudulent Activity : Unauthorized access to this account has occurred, with evidence of fraudulent transfers and changes made to personal information.
Consumer complaint received 2024-02-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rausch Sturm LLP (FL)

My name is XXXX XXXX and I suffered identity theft with my XXXX XXXX card which has been canceled and the debt belongs to the company Rausch Sturm and they are trying to charge me {XXXX  and it is not in XXXX XXXX court. I need help and I have already sent a report of identity theft.
Consumer complaint received 2024-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP (CA)

On Saturday, XX/XX/XXXX, I attempted to withdraw from my Laurel Road bank account- to which I have both a checking and savings account with. They locked my account from online access without notifying me. The phone number their system requested I call was not manned and went to voice mail. On Monday, they called me and requested I send documents to them - my ID, proof of direct deposit, and bank account statement from the bank I sent funds to. I provided these documents and called them, but they did not unlock my account, and told me it could take a week or more for the " relevant team '' to unlock my account. In this time, fund transfer requests from existing accounts that I had previously used with Laurel Road were rejected. I rely on the funds I have in Laurel Road to pay bills, and this lock time on my account with potentially over a week of waiting time is completely unacceptable and unwarranted.
Consumer complaint received 2024-05-22
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: Ability Recovery Services, LLC (GA)

XXXX XXXX XXXX XXXX put false and inaccurate information on my credit reports with XXXX and XXXX in the amount of XXXX After months of begging them to validate the debt by providing copies of anything baring my signature they have refused. I have been repeatedly disputing this item on my credit reports and I also filed a complaint against the credit bureaus for not completing an accurate and proper investigation as they continue to report this false collection on my reports. I have provided them with my information and copies of the mail and emails from the original creditor and they all refuse to refrain from violating my rights. Also there are two inaccurate accounts reporting on my credit report with XXXX and XXXX from XXXX XXXX XXXX and XXXX XXXX XXXX. The dates are inaccurate I was never late and I paid my car off in full owing nothing to the bank. I asked both bureaus to investigate and they electronic submit my dispute and report it is verified after I have asked them multiple times for proof. XXXX XXXX XXXX has inaccurate information reporting that I have late payments no proof of this has been received and they continue to falsely report the wrong dates on my report the age of credit is incorrect and the amounts. I disputed all three inaccurate accounts again XX/XX/year> and filed a complaint with the bureaus that does nothing at all.
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: U.S. BANCORP (KY)

I have fallen behind on my credit cards.I explained to my Bank U.S bank that I will be able to pay on them in XXXX, and there's nothing else I can do.I ask them to stop calling me at work. I drive a semi truck. I have explained to them that they are distracting my saftey, and that I drive at night, and sleep during the day.But they call me throughout the day several times, and I have it on my call records.

When I told them to stop calling me on my job, they didn't give me a reply on it.

Upload screen shots are of the US bank phone call most recent.

I have more from the recent past
Consumer complaint received 2023-06-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (NJ)

NATIONAL RECOVERY AGENCY PUT A COLLECTION DEBT ON MY XXXX credit reports And refuse To provide proof of the identity That this alleged debt belongs to! This debt is not mine and I have know knowledge of it Its now on my credit reports as of XXXX XXXX..They have to provide Debt validation proof And proof of the identity of alleged debt They have not provided anything And Without said proof This debt does not EXSIT It needs to be removed
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CT)

I had attended XXXX XXXX XXXX XXXX XXXX ) and was forced into taking out a personal loan to pay a portion of my balance. The loan was disbursed for {$2000.00} beginning in XXXX with Navient. On XX/XX/XXXX the Department of Education announced a group discharge, that all loans would be discharged for any attendee of XXXX XXXX schools. My private loan is paid off and I would like to be refunded for all monies paid towards this loan as it has been deemed that XXXX XXXX had engaged in widespread and pervasive misrepresentations. I have been informed that Navient has been providing students with a Misconduct School Discharge application to be reviewed for potential discharge of private loans disbursed for fraudulent schools. I would like the same opportunity to receive a refund for the monies I have paid out for this fraudulent school.
Consumer complaint received 2024-03-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

When I applied for the SAVE plan, my loans were placed in an administrative forbearance. MOHELA told me that XX/XX/2023 won't be eligible for PSLF since forbearance periods aren't eligible. I had requested for the administrative forbearance to be removed so that I can make the XX/XX/2023 payment to be eligible for PSLF. 

The administrative forbearance was removed from my account for XX/XX/2023 and I made the payment based on the previous, higher amount. After the SAVE plan was processed, XX/XX/2023 payment shows ineligible and the reason being ( No bill was due for this period ). I spoke with MOHELA and they told me that when I made the XX/XX/2023 payment it put my account in an overpaid status and no bill was generated. 

I was told to certify employment for this period then it should appear as eligible. I certified employment for the period covering XX/XX/2023 but XX/XX/2023 still shows ineligible. 

Can XX/XX/2023 payment be fixed to be eligible for PSLF?
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (DE)

On XX/XX/XXXX I received a letter from XXXX  XXXX pertaining a complaint to this body, to which they responded by stating On XX/XX/XXXX, we made a business decision to send a request to the CRAs asking them to delete the XXXX  XXXX account ending in XXXX from your credit files. It may take up to 60 days for the agencies to update their records. 
We performed an investigation and confirmed that the account ending in XXXX was opened on XX/XX/XXXX, with an online application. After performing our review, we believe the account belongs to you for the following reasons : The contact information used to open the account ( listed below ), has been linked to you by public records XXXX XXXX XXXX XXXX, DE XXXX We mailed billing statements to XXXX XXXX XXXX XXXX, DE XXXX, which has been linked to you by public records, and did not receive any returned billing statements or other mail sent to this address. 
We located recorded calls from XX/XX/XXXX, in which you contacted us about this account and stated it was your account. 

To this letter they informed me this matter was resolved and I had nothing to worry about. Since XXXX they have have portfolio recovery associate harass me for collection, after they stated it was deleted from all public record. I contacted portfolio recovery associates and they said nothing to help and now I am here to complain about this matter non stop phone calls and demands this has to stop.