davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AZ)

I made my monthly payment to Navient. My bank posted the payment on XX/XX/2024. Navient sent a notice of late payment on XX/XX/2024 stating my payment was not received. This is happening on a regular basis with Navient. It has happened at least 3 times within the last year. I am fed up with constantly having to upload copies of my canceled checks to prove payment was made.
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to affirm its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.
Consumer complaint received 2024-06-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FirstPoint Collection Resources (CA)

Rephrase the following I am writing to file a formal complaint against FirstPoint Collection Resource for engaging in a practice commonly known as debt parking, which, according to the Federal Trade Commission ( FTC ), is a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I recently discovered that FirstPoint Collection Resource has reported an alleged debt onto one or more of my Consumer reports with the consumer reporting agencies without making a good-faith effort to contact me, the consumer, as required by law. The FTC clearly stipulates that debt collectors are prohibited from reporting an alleged debt to consumer reporting agencies without first attempting to reach out to the consumer to discuss and verify the debt. The specific details of my complaint are as follows : 1. Alleged Debt Reporting : FirstPoint Collection Resource has reported an alleged debt to one or more Consumer reporting agencies without any prior communication or attempt to contact me regarding this alleged debt. This action not only violates my rights under the FDCPA and FCRA but also undermines the fundamental principles of fair and ethical debt collection. 2. Lack of Verification : Without any prior contact or attempt to reach me, FirstPoint Collection Resource has reported this alleged debt, which raises concerns about the accuracy and validity of the debt in question. By failing to follow proper procedures, they have left me without the opportunity to verify or dispute the debt as allowed by law.
Consumer complaint received 2023-07-01
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account status incorrect
Company: CNG FINANCIAL CORPORATION (NM)

CREDITOR- NCA CHECK N GO NCA Check n go is Reporting False information on my credit report it appears as open with a balance reporting on XXXX and XXXX the first thing is the amount that is showing I never received that amount on the payday loan this collection keeps getting removed and placed back on my credit report when this item should be appearing as a closed loan with a XXXX balance owed I do not owe this company anything I never received that money that they claim I owe. Check n go is a. Payday loan company and shouldnt be reporting on credit reports also check n go acts as if they are a financial institution on the credit report it says nca check n go financial is a payday loan company and are doing fraudulent activitys by acting and reporting as a financial institution also check n go has sold to another company and is still reporting on my credit
Consumer complaint received 2024-06-16
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: CITIBANK, N.A. (CA)

I called earlier today on XX/XX/XXXX, about my credit card XXXX that was opened in XXXX I never recieved a card then and only noticed this account was opened when I received a bill to pay I tried to call then. I was referred by the online chat to call the customer service line. I called the customer service line and the call was picked up and told they could not help me and to call back in 1-2 hours. I told the online customer service support this and they told me that I should call back again. Ultimately, I asked to speak to someone who could better assist me and was referred back to the number that is not working. 

At the end, I was defeated after having paid a previous fee that I never spent and struggled to close this account for several months.
Consumer complaint received 2024-05-16
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. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-06-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: CrossCountry Mortgage LLC (UT)

On XX/XX/year>, CrossCountry Mortgage 's payment processing vendor, XXXX withdrew {$1600.00} via ACH from our checking account. Our initial contact to CrossCountry Mortgage resulted in a research confirmation letter that indicated they were also looking into a payment for {$1400.00} applied to our loan on XX/XX/year>. This was not a payment we made, nor was this amount withdrawn from our checking account. An attempt was made to withdraw {$1600.00} from our checking account on XX/XX/year>, but was rejected because the balance in our checking account wasn't enough to clear the transaction, thankfully. If we had had the balance to cover that transaction, the total of {$3200.00} would've been the total amount of unauthorized ACH withdrawals. We have contacted CrossCountry Mortgage 4 times, 3 of those calls were transferred to their escalation team. Every member of the escalation team we have spoke with has told us they would contact us via email and/or phone. No follow up contact on these has been made to us to date. 
We filed a complaint on XX/XX/year> with the XXXX XXXX XXXX  and received confirmation from CrossCountry Mortgage on XX/XX/year> that the issue is being researched. As of today 's date ( XX/XX/year> ) we haven't had our funds returned. 
With my knowledge in consumer banking, working as a Manager in Retail Deposits Operations, I have had to coach CrossCountry Mortgage representatives on how ACH processing with the Federal Reserve works - specifically returning ACH transactions. I had to point representatives in the direction of getting their vendor, XXXX, to review the transaction. CrossCountry Mortgage doesn't show the {$1600.00} on their core system. 
To submit an Unauthorized ACH Dispute ( Reg E ) with our bank will require us to close our current checking account and open a new one. This will lead to us having to update bank info for all our monthly payments- including our mortgage payment with CrossCountry Mortgage.

In addition to this issue, we set up bi-weekly payments with CrossCountry Mortgage in XX/XX/year>. Bi-weekly payments were set up with the intention to save on interest. CrossCountry Mortgage made it nearly impossible to set this up with their process. We have discovered that although we are having the bi-weekly payment of {$850.00} withdrawn via ACH from our account, CrossCountry Mortgage is holding these funds and only applying the payment to the loan once a month. We believe this is a violation of Reg Z as it is allowing them to charge us interest while holding our funds.
Consumer complaint received 2023-07-05
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. (MN)

The following account currently listed and showing on my XXXX and Equifax credit report is lost/stolen : XXXX XXXX XXXX : XXXX, and the transactions from XX/XX/2023 to XX/XX/2023 for {$260.00} are unauthorized and fraudulent transactions that are not my transactions.
Consumer complaint received 2024-06-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

On Wednesday XX/XX/year> and again XXXX  XX/XX/year>. The reps when calling experian by phone at number : XXXX from my phone number : XXXX XXXX XXXX are refusing to open up disputes on my credit report. The app and website both say i have to call when offering the option. I told them this very politely and on several occasions both days the reps and supervisors refuse to open credit report disputes for invalid inquires. There should be no approved inquiries in last XXXX  days on my credit report. Experian refuses to assist when i call. XXXX refuses to open credit inquiry disputes by phone when i call. Yelled shouted and refused on multiple occassions. A violation of law. Refusing to service or open a inquiry dispute. We should civily sue the phone reps for tort and the company to. This was a problem in the past too that has prevented me from home ownership and other perks since the negative reportings they refuse to fix. Can you assist in disputing the XXXX credit inquiries on my report i dont know about that occurred in the last XXXX  days? Can i call someone directly?
Consumer complaint received 2024-06-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I have an AmEx gift card from my employer I want to apply to my XXXX reload balance. It won't go through. I get the message " payment revision needed. '' I'm using my name and billing address. 

I tried on XX/XX/XXXX and again on XX/XX/year> to apply {$190.00} of a {$200.00} card. Multiple tries failed. I did an online chat with an AmEx customer Service rep. They couldn't help me. 

I have another AmEx gift card from my employer for {$250.00} that I tried to apply to XXXX on XX/XX/XXXX for the {$190.00} reload that previously failed. That card also failed with the " payment revision needed '' error. Together they total {$450.00} that I can't use.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Absolute Resolutions Corp. (FL)

I'm receiving Threating phone calls and emails from the company below and XXXX, XXXX, XXXX are transferring my information without my consent. 
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 Absolute resolution INV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC. (PA)

I opened a new Checking Account with Ally Bank through their website on XX/XX/XXXX. There were no issues after approval and I was able to login and see my information fine. On XX/XX/XXXX, from the Ally website, XXXX setup my XXXX XXXXXXXX Checking Account for external transfers, then transferred {$1100.00} to Ally from XXXX  XXXX. The funds were set to fully settle on XX/XX/XXXX. 

On XX/XX/XXXX I received an email that my XXXX and XXXX XXXX XXXX was suspended with Ally, then another email at XXXX on XX/XX/XXXX saying " We restricted your Spending Account because we detected suspcious activity on XX/XX/year> ''. I called Ally right after getting that email but no one was willing to help, saying their fraud department was closed. 

The next day ( XX/XX/XXXX ) I was able to login to my Ally account and see the {$1100.00} I transferred was now in my account. I then called the Fraud Department and spoke to a person named XXXX for about a half hour, providing answers to every security and personal use question they had. At the end of the call I was told my information would be passed to the investigator and they would reach out if they had any more questions. I asked them what else they would need from me since I just gave them everything and he started to get upset saying they didn't need anything else and to just wait. I asked to just close my account and get my money back and he said that's not possible while this is still being investigated. He then said he isn't going to do this back and forth stuff with me and stopped talking. 

Later that day, I tried to login to my account again, and now it say my access is temporarily blocked and to call them. I have also received XXXX emails saying my password change was unsuccessful, which matches with each time I tried to login to my account. I called them back the night of XX/XX/XXXX and was told my account was still being reviewed, that there is nothing I can do to get access to my account or money, that they had no XXXX on when someone would contact me or my account would be open again. 

At this point, I just want my {$1100.00} back and to get my account closed at Ally ASAP. It feels like they stole my money since I can not access it and they won't help me anymore.
Consumer complaint received 2024-06-16
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: ALLIANT CREDIT UNION (OH)

XXXX XXXX XXXX XXXX XXXX and XXXX XXXX has ran my credit reports without my consent i am really upset about this due to the fact i am trying to get a home and got denied due to their fradulent inquires. 

XXXXXXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX Credit Acceptance XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX
Consumer complaint received 2024-06-16
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. (MD)

I was looking over my consumer report and found hard inquires that i do not recognize. please take these inquires off my report. These companies did not have permission to report anything using my information pursuant to 15 usc 1681 4 they are violating my consumer right to privacy
Consumer complaint received 2024-06-16
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BMO Bank, N.A. (GA)

So I have been trying to get a bank account for the last few months. I received information regarding an account being opened at BMO Harris fraudulently. I havent had a social security card physically in about 8 years. I was notified of this when I did check my consumer report with XXXX, the address listed for the reported account isnt even my current address. I have had multiple inquiries from banks to that I have no knowledge of. I do plan on submitting a dispute to XXXX because again I havent had a physical social security card in about 8 years. My social security card was mailed to a former address where the mail was compromised. There were checks deposited into these accounts as well which has prevented this, in the amounts of XXXX and XXXX. I have tried to speak with BMO regarding this matter but they told me they could not provide any further information for me.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i filed a dispute and provided proof I opt out of XXXX XXXX, as well as Bankruptcy, does not report to the credit reports the accuracy of this reporting goes against FCRA as well as misuse of my personal information the company refuses to provide documentation to support this bankruptcy are indeed valid no written proof was provided. please refer to 1501 U.S. Code 1681 ( c ) 2, 1501 U.S. Code 1681 ( a ) 4 XXXX  XXXX XX/XX/20 ref number XXXX. XXXX  XXXX XX/XX/20 ref number XXXX.
Consumer complaint received 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE (CA)

I reached out to Barclay because my interest was higher last month even though I made a payment and did not use the credit card. I say that in a month 's time the interest went up 0.25 %. I called and they said there was nothing they could do. I looked back at other statements and they had done the same thing. I never received the 45 day notice that my interest rate was increasing. The first undisclosed raise was in XX/XX/22. No emails, no letters, or any other types of notification. The same happened with XXXX XXXX, XXXX, and XXXX XXXX.
Consumer complaint received 2024-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

On XX/XX/year> a student loan was distributed by the XXXX XXXX XXXX XXXX XXXX on behalf of the trust estate to support the education of a beneficiary. The student loan is being serviced by NELNET INC with a balance of {$250000.00}, whom has been made aware of the legal and equitable rights of the trust estate of which they have violated. NELNET INC is trading on the stock exchange to their advantage using their access to confidential information ( insider trading ), initiating deceptive sales practices. NELNET INC has not yet responded to the legal documents sent to them.
Consumer complaint received 2024-06-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (TX)

Please be advised that this is my XXXX  WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 


XXXX XXXX XXXX, XXXX XXXX, 2009, defines Verify as, XXXX ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' XXXX ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have XXXX hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by XXXX ( a ) ( XXXX ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2024-09-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the fair credit reporting act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account number : XXXX XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1681c ( a ) ( 5 ) sections state : no consumer reporting agency make any consumer report contenting any of the following items of information any other adverse item of information, other than records of convections 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 related 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 2024-06-15
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A. (MA)

Dear Macys/CBNA : I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX and XX/XX/year> I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-06-15
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was late on two or three monthly payments due to losing my job because I was diagnosed with XXXX, after I was aware of the late payments I paid the remaining balance. The auto loan was paid in full and was not a loss for capital one auto.