davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-31
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: Experian Information Solutions Inc. (PA)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (NJ)

Alleged Violation of 15 USC 1692g - Validation of Debt I am asserting that a debt collection attempt made by LVNV Funding LLC, breaches my rights under the Fair Debt Collection Practices Act ( FDCPA ), particularly under 15 USC 1692g, which mandates the validation of debt. 

**Lack of Opportunity to Dispute XXXX Despite being approached by LVNV Funding LLC XXXX XXXX an alleged debt, I lacked prior knowledge of its existence and was not afforded the opportunity to contest it. 

**Request for XXXX Mail XXXX XXXX 15 USC 1692g , debt XXXX are obligated to furnish consumers with a written notice within XXXX days of initial contact, outlining debt details and dispute rights. However, no such communication was received. I demand LVNV Funding LLC, furnish the certified mail receipt, corroborated by my signature, confirming compliance with statutory notification requirements. 

**Unlawful Debt Collection Practices in XXXX XXXX It has come to my attention that LVNV Funding LLC XXXX XXXX authorization to pursue debt collections in XXXX XXXX XXXX my state of residence. Consequently, any pursuit of this alleged debt contravenes state regulations.
Consumer complaint received 2016-04-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (AL)

I filed bankruptcy in 2013 at that time my lawyer informed me i was elgible for the hamp program papers were file and the program were granted the new loan under this progam were set at 2 % for the first 5 years and my payment were $ XXXX.since then in a two and half year span my interest rate has remain the same 2 % but my mortgage has increased 3 times i am now at {$930.00}. which is now more than my original payment which were $ XXXX./monthly before entering into this goverment program .I dont think this program were intended to run this way because i am now in a wosrt hardship now than before the program. No notification are ever given and no reasonable explaination are ever given.This program were created to help people stay in their home with this server of my loan now i will loose my home and i have never missed a payment.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BARCLAYS BANK DELAWARE (MD)

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts :
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (CT)

I sold my car and was written a check and the check was deposited into the checking account on XXXX XXXX for a total of XXXX USD, I called to confirm, and XXXX XXXX stated they needed to investigate for 60 days. account holder called on XXXX, to gain access to the online account, the capital one company customer representative said the investigation needs to be completed to gain access to the account they are not able to provide information as to when or who is conducting it but that it takes up to 60 days for the investigation to be completed. XXXX XXXX XXXX pm and was replied to by customer protections agent XXXX XXXX number XXXX to ask when the inquiry would be cleared as the bank statement for XX/XX/year> was received in the mail for XXXX USD with XXXX USD in interest, he then stated he could not give me any information on the investigation or who is conducting it as there is no note on file for my account just that the investigation will be conducted for 60 days at this time.
Consumer complaint received 2024-06-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NJ)

I have been paying my Sallie Mae/Navient loans since XXXX. The loans were prepared for payment 6 months from my time of graduating. I explained to the rep when I spoke to them that I wasn't able to make a full payment on the loans as I hadn't obtained a job ( though this was something nearly guaranteed by the school I enrolled in ). At the time, I was told from Sallie Mae to try to defer by forbearance. This went on for several years until I was able to begin payments, all while paying the interest on the loans. Finally, I began making payments that I was told would touch the principal and the interest and that I would see my loans come down in amount. It has been close to 16 years of paying them and the loan amounts haven't moved. When I asked recently how long it would take to pay them off, I was told the best date they could provide was sometime in XXXX. I have been faithfully paying these loans, in spite of the shifting monthly amounts, for several years, even during the pandemic, to no avail. All for a school that lied about job placement being nearly guaranteed through their internship program. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  of paying a bill and I am not seeing any movement on these loans at all. The interest rate is absurd and I am unable to contribute in any significant way to the economy because I'm saddled in private student loans debt.
Consumer complaint received 2024-06-01
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank has initiated a {$1.00} fee to send out a hard copy bill ... It affects XXXX of my credit cards... it can be waived if you sign up paperless billing, which i have trouble keeping up with, so I'll not pay a XXXX paper bill fee but they can charge a greater amount in late fees... 
They are gouging card users because they can't count exorbitant late fees... 
This isn't right... the card users should notbe required to make up a diminished revenue stream... XXXX has created a monopoly in the credit card business because they now control credit cards for over XXXX individual firms & seemingly think they can do what they want.. 
Thanks...
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Paramount Recovery Systems, L.P. (FL)

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX acct # ending # 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 an account without my written instructions.
Consumer complaint received 2024-06-01
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

I have never done business with AMSHER COLL and I do not owe any alleged debt to them. This company has no right to collect any debt if they are not the original creditor. Furthermore, the listed original creditor has received and equipment and payments listed on the file. I have attached the receipt of the return to the original creditor. AmSher Compassionate Collections violates several laws including 15 U.S.C 1681 Section 604 A Section 2, 15 USC 1692b ( 2 ), and 15 USC 1692e ( 2 ).
Consumer complaint received 2024-06-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CO)

On Saturday, XX/XX/year>, via online chat with Citi, I requested that Citi stop trying to withdraw a payment of {$420.00} from my credit union. Previously they had attempted one such withdrawal, which failed, and then they charged me a {$30.00} fee. Then they made a second attempt. I requested that they stop and they refused. I asked if it was Citi 's intent to assess me 3 x {$30.00} = {$90.00} in fees. The question was left unanswered.
Consumer complaint received 2023-04-03
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: Credit Bureau Services of Iowa Inc. (IL)

In accordance with the Fair Credit Reporting Act, CREDIT BUREAU SERVICES 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 an account without my written instructions. This collection account is also being reported as open and past due which is a violation of FCRA and XXXX XXXX XXXX. I have disputed this several times in attempt to correct the inaccurate information that is being report, however CREDIT BUREAU SERVICES has yet to correct the account which violates 12 CFR 1026.13 ( d ) ( 2 ) that states the creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
Consumer complaint received 2023-04-03
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CarMax, Inc. (MD)

On XX/XX/. I walked into Carmax with a preapproval letter from XXXX XXXX. I had already chosen my vehicle online and gave them a pre-qualified credit authorization form. I made it very clear upon purchasing that I only wanted to use XXXX XXXX. I was offered several times other financing options, and I made clear I did not want my credit to be run against any other report other than XXXX XXXX. Upon checking my credit report, I found Carmax ran my credit through their system without my authorization. I went to the location and spoke to them about it, and the manager XXXX had informed me that it mustve been a mistake because of a click of a button. I found this to be unacceptable and unlawful. The credit authorization form through Carmax only has an electronic signature that I did not authorize, which is also illegal.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (WA)

Without any prior warning or communication, Chase Bank abruptly closed my checking account, which I have maintained for several years. I received a sudden notification indicating that they were protecting me from potential fraud and that my accounts might be closed. Upon contacting the bank, I was informed that my account was being closed for undisclosed reasons. I am now unable to access my funds, and the bank stated they would send me a check for my remaining balance within 10 business days. Additionally, I was told that I would never be able to open an account with Chase again. When I visited a branch for clarification, I encountered the same unsatisfactory responses and they refused to provide my remaining balance in cash, insisting on the check instead.
Consumer complaint received 2023-05-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: AAA Auto Title Loans, LLC (AZ)

This is a predatory loan with an outrageous interest rate. Almost my entire payment goes to the interest and when you are about to pay off the loan they prey on you to get more cash and refinance the loan. They send you multiple emails and texts telling you you have available funds. They know people who are struggling will take the bait. I would like a copy of every single payment along with the contracts. I intend on starting a class action lawsuit against this company.
Consumer complaint received 2024-06-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (CA)

I have a business account with chase bank, I used My merchant payment link to charge a customer for services. The charge was originally processed on XX/XX/XXXX but I was told I had to wait 7 business days before they can release the money due to them having to verify the amount with the customer. Chase bank emailed me on XX/XX/XXXX that the charge was confirmed and approved to be deposited into my account for the amount of XXXX, right after I received that email I also got an email saying that my account was going to be closed and that they are no longer able to assist me along with all of my funds being held for 120 days. I called customer service for a week straight and was given the run around or a different excuse as to why I am not able to get the my money. After failed attempts with customer service I called Chases executive office on XX/XX/XXXX and spoke to a lady named XXXX, I explained the situation to her then she explained to me that they will open an investigation and I would hear from someone within 24-48 hours. I still did not hear anything back so I called the executive office from XXXX but every day they told me someone would give me a call back that same day with an update, still did not hear anything. On XX/XX/year> I called them again, after being hung up, on I spoke with another lady who told me they will call me with an update but they can not tell me much since they are only a research department, I asked her why I was being lied to and pushed around, all she told me was someone will call me back. Finally a man named XXXX called me back, he told me was theres nothing they can do but file an appeal. 
This whole situation has been a headache, I am unable to get my money even though chase has verified the amount with the customer, they know it is not fraud. My customer has also called chase, since her bank is also chase, to ask them why they have not released the money but they tell her that I am lying and I have the money. She has also tried to dispute the charge so we can figure out another way to pay me but XXXX tells her that they are unable to do anything on her end since the charge has been fully processed already. Not only is this causing issues with my customer but also with my financial situation. I am a self owned business and without being able to get these funds I am unable to work and provide for my family. I am the main provider in my family, I have 2 daughters who just started staying home for summer vacation and my wife is pregnant. Im to a point where I do not know what to do anymore and I need help with this situation.
Consumer complaint received 2024-06-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: HUNTINGTON NATIONAL BANK, THE (TX)

I bought my house with a mortgage from Huntington Bank in XX/XX/XXXX. I was notified in XX/XX/XXXX, in my escrow analysis, that my account was in deficit {$10000.00}. As a consequence, my monthly payment increased {$810.00}. Where did this deficit come from? Huntingtons third-party company, XXXX, erroneously paid my house 's XXXX property taxes to the county with my escrow account, creating a deficit of {$10000.00}. I didnt live in the house in XXXX, and XXXX taxes were already paid by the previous owner. The county saw the error and issued a refund to XXXX in XX/XX/XXXX. XXXX erroneously sent the money back to the home 's previous owner. Huntington acknowledges this as their error. They keep telling me that theyve requested a refund to my account and that since it is such a large amount, it needs to go through an approval process. The requests for refunds started in XXXX, so this has been going on for months. In the meantime, I keep paying {$810.00} extra each month for this deficit HuntingtonXXXX created . This is on top of the {$10000.00} that is missing from my escrow. Ive asked for a refund for all of my overpayment and for my monthly payment to go back to its old rate. No response. I am attaching my communication with the company via online portal ( read from bottom-to-top ) and the fax i provided to them showing the payments from our county. Each time I call or send them an online message, they say, a refund has been requested. I reached out to my mortgage broker, who said hell look into it, but I havent heard from him for over a week.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HYUNDAI CAPITAL AMERICA (CA)

According to the IRS, an unpaid charge-off is income and according to the FCRA income can not be reported on a credit report. a reported 1099-C ( Cancellation of Debt ) for the following charged-off account XXXX. After checking my most current report the updated information stated this account was still being reported. This account can not be reported as a charge-off on my credit report. Please cease the reporting and delete this account.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

LVNV FUNDING LLC has reported this account as a collection debt sine XX/XX/year>. Ive repeatedly sent requests to have this fraudulent debt removed from my credit report and they continue to report it. It has harmed my credit continuously for years and they keep calling and harassing me. This needs to cease immediately and the debt removed.
Consumer complaint received 2024-06-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC (KY)

The debt that the agency is showing is due to a billing error from the original company. Despite showing proof of payments and where the billing error occurred the agency is continuing to attempt to collect the debt. After documentation was sent via US mail the collection agency continued to attempt the incorrect collection. When chatting with an online representative of the agency they were unable to pull up the records I had previously provided. Documentation was provided again through uploading through the chat feature. The agent then instructed they would only be able to research through email and provided an email address. When sending the email to the provided address it was returned because the email was blocked by the receiver. A transcript of the conversation with the agent was also requested and then never sent. Capio Partners has shown a pattern of deliberate bad faith tactics to avoid acknowledgement that the debt is incorrect and that the account should be closed.
Consumer complaint received 2024-06-01
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAVALRY INVESTMENTS, LLC (GA)

I have come to the understanding without my prior consent given or expressed permission of a court of competent jurisdiction given to cavalry portfolio services, cavalry portfolio services may not communicate with me in connection with collection of any debt at any unusual time or place which shall be inconvenient to I, XXXX XXXX, consumer. 

I am aware of the gravity of harm cavalry portfolio services seek to bring upon me, by reporting to consumer reporting agencies about the alleged debt. I have not given cavalry portfolio services any permission or consent to have my non public personal information, and I am aware that I am a victim of human trafficking, ( SEE ATTACHMENT )
Consumer complaint received 2023-06-14
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: EQUIFAX, INC. (PA)

I was the victim of XXXX and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was incapacitated. 

Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of XXXX XXXXXXXX and the XXXX of a XXXX individual as documented in XXXX reports. 

I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. 

The proper law enforcement ( XXXX ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. 

Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. 


Please remove these accounts from all three reports as I am not legally responsible for them as I was medically incapacitated/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.