davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

In accordance with the Fair Credit Reporting Act. 

The listed accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Accounts named : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and 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 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-06-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

I attended XXXXXXXX XXXX from XXXX through XXXX, and borrowed these student loans below : XXXXXXXX XXXX XXXXF BY CLAIM {$3500.00} - XX/XX/XXXX XXXX XXXX XXXX XXXXF BY CLAIM {$6000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$5500.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$7000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXXF BY CLAIM {$7000.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$5500.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$680.00} - XX/XX/XXXX XXXX XXXX XXXX XXXX BY CLAIM {$870.00} - XX/XX/XXXX XXXX TOTAL LOANS borrowed for XXXX XXXX = {$36000.00}, which were supposedly paid in full by Borrowers Defense Claim. 

On XX/XX/XXXX, these loans were consolidated with added interest and transferred from XXXX to NelNet ( see LC application attached ) The consolidated loans totaled {$39000.00} + {$590.00} interest = {$40000.00} ( This should be the amount discharged through the Borrowers Defense application that was submitted on XX/XX/XXXX. But instead, they are showing that the above loans were discharged and that I still owe the consolidated amounts below, which add up to the {$40000.00} plus interest. THESE ARE THE SAME LOANS, JUST CONSOLIDATED! THEREFORE, THE ONES BELOW SHOULD ALSO BE XXXX THROUGH the closed school discharge or XXXX XXXX. 

XXXX XXXX REPAYMENT {$15000.00} {$18000.00} 5.88 % ( FIXED ) consolidated on XX/XX/XXXX XXXX which should be XXXX through BD. 
XXXX XXXX REPAYMENT {$24000.00} {$29000.00} 5.88 % ( FIXED ) consolidated on XX/XX/XXXX XXXX which should be XXXX through BD. 

The only loan I should be responsible after the BD discharge is the parent plus loan shown below in the amount of {$6000.00} from Ohio University that I took out for my son. 
XXXX XXXX REPAYMENT {$5000.00} ( {$6000.00} ) 7.21 % ( FIXED ) XX/XX/XXXX XXXX I have written many letters to NelNet XXXX Department of Education XXXX PPSL XXXX and many more trying to get this cleared up, because according to NelNet XXXX they are saying that I still owe over {$55000.00}, which is more than I even borrowed in the first place. If all of the XXXX Loans were XXXX as they claim, I should not still have a balance of over {$55000.00}. I am also due a refund of the monies that have been paid on these loans that were supposed to be XXXX. 

I know that I am not the only XXXX dealing with this situation and it was recommended that I contact CFPB to submit a complaint against NelNet and the Department of Education, who due to to the XXXX XXXXXXXX XXXX lawsuit, which is part of my Borrowers Defense application, have neglected to fulfil their obligations in this lawsuit. 

Any help would be appreciated! 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SANTANDER HOLDINGS USA, INC. (VA)

I spoked with a rep at Santander in regard to this loan. In the previous claim I explained how I was advised to go with santander although I had full approval thru XXXX XXXXXXXX. 

I hadn't received any calls from the company for a period of XXXX months ( XXXX present ). They updated the status of my loan to " written off as bad debt/charged off '' on my credit report prior to the end of year XXXX. A few months ago, they started contacting me via text. When I reached out to a rep, I was told that my payoff amount was XXXX XXXX  and I have made a total of approx. XXXX XXXXXXXX worth of payments on the car ( valued at XXXX XXXX at the time of purchase ). Santander currently attempted to settle at a lower amount but I just want to confirm with CFPB is that normal, ethical business practices to write off a car loan ( potentially for tax purposes ) and then still collect on it. I just want to be sure before I proceed with settlement. Thanks
Consumer complaint received 2024-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (FL)

XXXX XXXX XXXX XXXX fraud account in my name. When discovered they closed the account. No devices were used. They are charging me for the time the devices were sent to me and unused. This should not exist! They sent it to a credit company to collect the fraud debt created by them. This is criminal! {$130.00} is owed now. 

This company bought the fraud debt! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2024-06-04
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC (IL)

I am writing to formally complain about BHG Financials refusal to provide me with an unmarked copy of the executed promissory note that I signed. The copy I received is marked with " copy view, '' and it explicitly states that the authoritative copy is held by the designated custodian. This refusal to provide an unmarked copy raises serious concerns regarding my rights as a borrower and the transparency of our transaction. 

On XX/XX/2024, I sent an email correspondence to XXXX to request an executed copy of the promissory note that I, XXXX XXXX, signed and initiated. On XX/XX/2024, BHG Financial sent me back my loan documents via a secured link. This was sent by XXXX XXXX, Client Services XXXX XXXX. 

I responded back on the same day and informed XXXX that the documents enclosed a watermark that entails " copy view '' across the document. Additionally, the form details that this document is a " copy view of the authoritative copy held by the designated custodian. '' XXXX informed me that she is unable to send me the official copy due to preset functions within the company 's XXXX. This is unacceptable, as I should be able to request the original copy, given that I initiated these documents without watermarks. 
The Truth in Lending Act ( TILA ) and its implementing regulation, Regulation Z ( 12 CFR Part 1026 ), are designed to ensure that borrowers receive clear and accurate information about the terms of their loans. XXXX 's requirements include providing the borrower with copies of loan documents, and the refusal to provide an unmarked copy may constitute a violation of these disclosure requirements. 

If the promissory note is an electronic document, the XXXX XXXX ( 15 U.S.C. 7001 et seq. ) mandates that electronic records and signatures are given the same legal effect as their paper counterparts. Ensuring access to the complete and unmarked electronic document is integral to compliance with this act. 

I hereby formally request that BHG Financial provide me with a certified true and unmarked copy of the executed promissory note. This request is made to ensure compliance with the aforementioned legal requirements and to maintain transparency in our financial transaction. If BHG Financial does not comply with this request within 14 days of receiving this notice, I will have no choice but to escalate the matter. 

Please confirm receipt of this complaint and the anticipated timeline for compliance. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2024-06-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (OH)

This is not my debt I did not open up any new accounts in XXXX! I want to see the contract for this account open date this is a fraud account these accounts appear to be 7 years outdated and they made up a date that is incorrect which is a violation of FCRA!!! This account does not belong to me I want them both removed 1 ) Lvnv funding opened XX/XX/year> fraud account and open date!!! 

2 ) Lvnv funding opened XX/XX/year> fraud account and open date!! 

I do not have any business with this company they are violating my rights
Consumer complaint received 2024-06-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: BANKERS HEALTHCARE GROUP LLC (WA)

Debt collector threatened to file a police complaint wrt emails. Debt Collector is failing to understand I am not in control of my disability and the purposeless activity that arises out of XXXX
Consumer complaint received 2023-03-17
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (LA)

the following action was taken to resolve a complaint of false use of information added to my credit report by National credit System in my XXXX and XXXX report they reported information on a outdated rental contract and in XXXX  its illegal after 3 years and they added a false amount then i reported it they changed the amount in stead of deleting it for false reporting then still added it back to my report with out properly notifying me and still this was false i never signed or received information from National Credit systems or XXXX XXXX apartments i want this false information and dates of me signing agreements with this company off all my credit reports this is illegal in all areas and i have never dealt with this misrepresentation on a company with false paperwork
Consumer complaint received 2024-06-07
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I was scammed out of XXXX - from XXXX to bank of america accounts XXXX transactions XXXX K from personal XXXX  XXXX, XXXX, XXXX from business chase I was told by the FBI that XXXX percent of the XXXX was available to be returned and XXXX percent of the XXXX was available to be returned. I received XXXX for the XXXX k transfer and XXXX from the XXXX transfer. The XXXX transaction happened back on XX/XX/XXXX. The account at Bank of America was frozen XXXX hours after wire was sent from XXXX. I have emails from the FBI confirming the account was frozen and the full amount of XXXX was in that account to be returned. BOA requested Hold Harmless Lettter from chase to process funds. XXXX sent it several times and BOA claimed several times they never received it. 
It was not until XXXX until BOA finally admitted receipt. When I received money back on XX/XX/XXXX, I asked the FBI to follow up with BOA investigations. They told me the XXXX k was still available. Now XXXX week later, apparently the money is gone, per the FBI, they gave my money to another victim who was able to process there Hold harmless paperwork. XXXX claims the paperwork was sent immediately after my claim in XXXX XXXX. I will be filing suit immediately in response to this gross negligence if my money is not returned.
Consumer complaint received 2024-06-04
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: Bread Financial Holdings, Inc. (NC)

I opened the account back in XXXX. I never received the card, or any statement. 
I receive promotions all the time, I receive alerts about the credit card, but never got the statement, so I CAN'T get into my account to be able to see my info, the amount and due dates to make online payments. 
The payment is overdue for 2 months now, and even asking to get the card and the online statement, the company didn't send it. 
I'm receiving over XXXX calls daily about this overdue amount, which I'm very aware and anxious to get paid, but the company is trying to force me to authorize a payment over the phone, when I want to see the statement and check the numbers. 
Even asking them to send it when they call and even call them once to get this done, so far I didn't receive my statement, I got my Credit Score messed up, and I'm being constantly disturbed from XXXX to over XXXX some days with calls trying to make me authorize a payment over the phone when I couldn't be able to check the charges. 
The last call I received, the person that spoke to me made it sound like doesn't matter if I received the info or not, it is my fault the payment is past due and I didn't pay because I didn't want to. 
I'm over this and I want this fixed.
Consumer complaint received 2024-06-04
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: OLD NATIONAL BANCORP (MI)

I have been waiting over 6 days for Old National bank to do a partial or full release of my deposit that has already cleared my attorneys office and bank. I have called customer service, Ive asked to talk to management, I have explained that my rent is due, and they are about to sell the land from under me. I keep getting the runaround from client services who say it is the branch XXXX who can release the funds when I call branch XXXX I am told that somebody else has to do it. I cant get a straight answer the funds have cleared yet the bank is unwavering to release ANY funds. I have been asked multiple times to be given a call back and have had no luck. How and who do I talk to someone to get some of these funds released So that I am not removed from my home and and my family displaced.
Consumer complaint received 2024-06-04
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: Westlake Services, LLC (TX)

I was tryna by a house and I realized I have few damages on my credit report according to the 15 USC 1681 LAW, their should not be any damage to my report is a defamation WESTLAKE FINANCIAL XXXX Date : XXXX Amount : {$9000.00} XXXX XXXX XXXXXXXX XXXX Date ; XXXX Amount : {$2600.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date : XXXX Amount : XXXX XXXX XXXX XXXX XXXX Date : XXXX Amount {$970.00} XXXX Date : XXXX Amount : {$17000.00}
Consumer complaint received 2024-06-04
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc. (KY)

I received a notice through the mail from Comenity Capital Bank that the Ulta Beauty Rewards Mastercard I applied for on XX/XX/2024 could not be opened due to a credit freeze being placed on my account. I did not apply for this card, it was done without my knowledge or permission. Luckily this identity theft was stopped this time by the credit freeze but I want to file this complaint so the matter is on record.
Consumer complaint received 2024-06-04
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

In XXXX of XXXX  I opened an account with 53 bank I had a valid Dr license when it was opened an they opened the account online an I made a mobile deposit.my deposit was my close out check from XXXX  XXXX. After I deposited my check an they opened my account they said I need to come to the office an verify my identity. But then my license was expired so I took my id my membership card ss card mail for address confirmation and my credit card. They then said I need a valid ID which is no problem but I need my money cause I have to have my birth certificate an divorce papers to get my id so I couldn't verify my identity even though my Dr lic was valid when I opened my account so now there refusing me my money. What do I do
Consumer complaint received 2024-06-04
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: M&T BANK CORPORATION (MD)

In response to the XXXX from XXXX who gave me the deceptive trade practice credit of {$1000.00} as you stated the ruling won't change and my litgstioj about this debt won't change at all this is the same complaint logged on you to this matter is settled from the one dismissed refiled and also do not apply for any benefits in my name your bank at all I refile the same case also please don't go to the courts ssa or section 8 no more about me and please send me no more mail and do not keep.letting my mother apply for benefits in my mame as I told XXXX XXXX I do not give them permission as a XXXX XXXXXXXX the one who convicted XXXX
Consumer complaint received 2018-08-01
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I purchased a mattress in XX/XX/2017 at 0 % financing for 12 months. 
The purchase then appeared on my statement as a regular financed purchase. I called XXXXXXXX XXXX credit department each month ( XXXX, XXXX, XXXX, XXXX & XXXX ) after receiving my new statement to resolve the problem. During each phone call I was promised the problem would be corrected and all interest charged thus far would be credited back to my account. 
To date, the problem still is NOT fixed. I am still being charged interest on the mattress purchase and the back interest still has NOT been credited to my account.
Consumer complaint received 2024-06-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: The CBE Group, Inc. (AZ)

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am writing to formally notify you that your company has failed to provide adequate notice in accordance with 15 USC 1602 ( k ). Specifically, your company did not clearly and conspicuously disclose the pertinent facts of this transaction. Furthermore, you did not inform me about the cost of credit, and the only evidence of indebtedness provided was a computer-generated agreement.

Under 15 USC 1602 ( k ), " adequate notice '' is defined as a printed notice to a cardholder that clearly and conspicuously sets forth the pertinent facts so that a person against whom it is to operate could reasonably be expected to notice and understand its meaning. This notice can be given by printing it on any credit card, on each periodic statement of account, or by any other means that reasonably assure receipt by the cardholder.

Due to the lack of adequate notice as required by this statute, I was unable to understand the terms, which constitutes a violation under 15 USC 1602 ( k ).

Additionally, according to 15 USC 1601 ( a ), consumers must be made aware of the cost of transactions. Because I was not informed, I made an uninformed decision, resulting in multiple billing errors and unfair credit card practices. 

Moreover, I have not benefited from this transaction, which constitutes a violation of 15 USC 1602 ( p ). Under 15 USC 1602 ( p ), " unauthorized use '' means the use of a credit card by a person other than the cardholder without actual, implied, or apparent authority, from which the cardholder receives no benefit. 

In light of these violations, I request the following actions : DELETE THESE ACCOUNTS OFF OF MY REPORT AND VALIDATE THE DEBT 15USC 1692G ( XXXX ) XXXX XXXX XXXX XXXX XXXX  If my requests are honored, I will refrain from escalating this matter to federal court. However, if my requests are not met, I will pursue legal action against your company for compensatory damages. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX All XXXX Reserved Without Prejudice
Consumer complaint received 2024-06-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (OH)

I used my Venmo card with a balance on it to purchase groceries from XXXX. When my XXXX shopper was trying to check out, the payment was denied. Due to this, XXXX cancelled the order and did not charge me. However, Venmo still pulled the money from my balance. I reached out to Venmo right away to try and show that this order was cancelled. They told me to talk to the merchant. I reached out to XXXX and they confirmed the order was cancelled, there were no charges on their end due to the order not being completed. I provided this information to Venmo and they stated it would take XXXX buisness days to resolved but a provisional credit would be given in the meantime. No provisional credit was given and well after the 50 business day time frame, I had to reach back out and talk to over 10 different representatives and still get no help. Venmo then stated I cancelled my case, which I did not do. I get on my account and now it says they denied it. It has been over two months of them holding {$77.00} for an order I never received. I have all the messages between XXXX confirming the order was cancelled as well as all the empty promises that Venmo had given. Issue is still not resolved.