davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I applied for a loan and unknown to me it was a scam. I was a victim in this case, and I was calling Bank of America for XXXX days prior to the closing of my account, informing them that my bank card was not working and they needed to un restrict my debit card after they told me it was no longer restricted, it continued to be restricted causing me to have to constantly call them back. On XX/XX/XXXX I called and I was advised by Bank of America to open a brand new checking account because my checking account that I already had was frozen they told me no money was able to come out of that account but it can still receive deposits I informed them my direct deposit was gon na be deposited on XX/XX/XXXX at which point they advised me to open up a new checking account so that Friday morning XX/XX/XXXX I could call back and they could transfer my deposit from work into the new account for me to access that when I called the phone number that they gave me. They told me That would be transferring my money into the new account. They had me open to be able to transfer my deposit from the frozen account .The lady informed me that I was not given this information and I couldnt have been told this. I expressed to her that I spoke to XXXX people and both told me that, again they made me open a new checking account solely for this purpose of me accessing my funds from my job and she told me no thats not gon na happen. My account was frozen they didnt want to do business with me anymore and I expressed to her I needed to pay rent. I expressed to them that I was going to be evicted at as of XX/XX/XXXX and I needed my money and that I would come and pick it up. She told me I could apply for a hardship. I didnt want to because it was going to take XXXX days for them to approve or not approve it. I needed my money that day. I received my 30 day notice to leave my premises XXXX  XX/XX/XXXX, I called them back on XXXX  morning to find out about my hardship and the lady told me I was denied I asked her how can I apply for a hardship yet you guys dont even know the reasoning behind my hardship and why XXXX even applying for it. She told me the account is set to be closed on XX/XX/XXXX and my check will not be mailed to me until after that, I need my deposit money from my job and when they do decide to mail me my certified mail check I am no longer going to even be at the address that they want to send it to because XXXX evicted now I just want my cash that I got paid for and direct deposited into my account from my job that I physically worked please help XXXX living in the car with my XXXX kids at this moment.
Consumer complaint received 2023-05-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: DISCOVER BANK (SC)

Discover Bank refuses to completely delete my collection account after i paid for a deletion. My account was closed on XXXX. Payment date was XXXX. I have called them several times about this. Last call was on XX/XX/23 ; I was told there was nothing i could do about the account being on my credit report.
Consumer complaint received 2023-12-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ADP Inc. (DE)

in the first week of XXXX of 2023 i requested a new bebit card. by XX/XX/XXXX no card had arrived. i called and requested another on XX/XX/XXXX and today, XX/XX/XXXX, still no card has arrived. this account has around {$600.00} in it that i need.
Consumer complaint received 2017-03-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have been a victim of true-name identity theft and I have previously disputed the following accounts vis XXXX ( certified ) and never heard back from Experian, it has been over 30 days. 

- XXXX - XXXX - XXXX - XXXX CARD - XXXX CARD - XXXX - XXXX I have attached the police report that I filed with XXXX. 
Consent to publish the description of what happened? Consent provided Supporting documents
Consumer complaint received 2021-04-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC (CO)

Loanpal continues to refuse to update my account to reflect a legal name change from XX/XX/2020. Since this is an attempt to illegally block a legal name change by refusing to acknowledge it I will keep filing complaints every time I am ILLEGALLY dead named on my statements. I will also file a discrimination complaint with the federal government for every statement loianpal illegally dead name4s me on.
Consumer complaint received 2024-04-10
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. (LA)

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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2018-08-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (TX)

COMMONWEALTH FINANCIAL has inserted 13 ACCCOUNTS representing different medical companies into my credit file. I have never had any business or obligation with Commonwealth nor the medical companies they represent..NOR have I ever signed any form related to release any medical history to any companies. This is entirely against HIPPA. I am a victim of identity theft and there is a fraud alert on my credit file. I have also informed Commonwealth of this status. Commonwealth can not provide a contract bearing my signature that I have any obligation that I would owe or ever owed them any monies. Commonwealth has never contacted me regarding the attempt to collect a debt yet they just inserted onto my credit file without warning. there is no contract and never has been one. there is no legal proof bearing my signature that proves that I indeed owe monies.
Consumer complaint received 2017-04-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Vantage Sourcing, LLC (CA)

This letter is to XXXX and the collection company trying to To collect on debt that I do n't owe. 
I suffered because of XXXX detected SIM card that I paid the bill and I changed my phone 3 times and I was never able to use the phone but yet they made me pay for the phone bill and they made me pay for the phone in full. Due to the lack of knowledge of the XXXX tech support my phone was diagnosed with having a problem the phone itself, not the SIM card. Also without my knowledge, my contract Was extended from a 1 year to 2-year contract without My knowledge and it was not close to me over the phone or in writing by XXXX representative. 
My phone bill was not sent to me in without my authorization it was switched over to paper list that causes me not to receive my paper bill and I did not know I had a bill due. Due to the SIM car defect, the phone was turning off if I was not plug in. My life was put in danger of not having access to a phone while on the road and I still pay the bill to XXXX without being able to use the phone. I spent over 20 hours with XXXX representative To resolve the issue but unfortunately, they were not able to help me being fully aware that all the mistakes were made by XXXX. 
Each representative told me a different story than the other representative and I got so tired of it that I paid {$370.00} for the phone and I was told by the representative that I owe no more and I am free to go. After I signed up with XXXX again I received a bill in the mail from XXXX claiming that I owe them money so I went ahead and filed a complaint against them with the Better Business Bureau which did n't resolve in anything. XXXX has put my life in danger they have collected from me over {$1000.00} and the fault was also their own and now they want money again. 
The choice is clear please close this account with a XXXX balance and send me a letter in the mail within the next 5 business days. If any page is reported to XXXX XXXX or XXXX by the collection agency or XXXX since this account is not valid I will not hesitate to file a lawsuit in include all the fees the hours of work and the hours I have spent with XXXX on the phone. 
I have all my bills including the one-year contract in the receipts for the phone.
Consumer complaint received 2023-12-18
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. (MO)

Experian with in 90 minutes notified me that XXXX NOW STILL working on the issue of 3 complaints that are exactly like all the other complaints which is Experian NOW has stolen almost 19 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2023-12-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Goal Structured Solutions, LLC (NJ)

I originally took out a loan from XXXX XXXX XXXX for XXXX in XXXX, the loan has since been serviced and moved to different lenders. It is now owned by LAUNCH who claims I owe XXXX on 4 different accounts. I wrote to them in XXXX asking for validation of this debt -- a full payment history through different lenders and promissory notes showing what I agreed to borrow and our agreed upon interest rate. They provided me one brief statement from XXXX  ( one of the servicers ) and the original " promissory note '' from XXXX XXXX XXXX for {$5000.00} - no interest rate is noted. I have been making payments on this debt to keep in off my credit report, but I have paid over XXXX just since XXXX and the balance isn't going down. It doesn't add up, and LAUNCH will not send evidence of how much was originally borrowed, the interest rate, or full record of my payments. In our documented communication, they said I can contact XXXX XXXX XXXX  to see if they have more records or I can call and talk to someone at LAUNCH. I don't need to have a conversation ; I would like to see the promissory notes and proof that I owe this debt. I stopped making payments and sent a cease & desist letter to LAUNCH on XX/XX/XXXX and they have now reported me to the credit bureaus.
Consumer complaint received 2023-08-16
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. (SC)

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2023-12-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

Complaint against LVNV Funding LLC for failure to verify debt and improper credit reporting I am writing to file a formal complaint against LVNV Funding LLC for its refusal to verify a debt and its unjustified reporting to credit bureaus. The actions of this debt collection company not only violate my rights as a consumer but also demonstrate a disregard for fair debt collection practices and responsible reporting. I kindly request your intervention in this matter to ensure that appropriate action is taken against the company. 
On XX/XX/2023, I received a collection notice from LVNV Funding LLC, claiming that I owe a debt to XXXX  XXXX. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), I promptly requested verification of the debt and provided the necessary information to LVNV Funding LLC. However, despite multiple attempts, the company has failed to provide any substantial evidence validating the debt in question. 
Furthermore, despite the lack of verification, LVNV Funding LLC has continued its reporting of this debt to the credit bureaus, resulting in negative marks on my credit report. This unwarranted reporting not only damages my creditworthiness but also violates the Fair Credit Reporting Act ( FCRA ), which requires accurate and substantiated reporting of consumer debts. 
The actions of LVNV Funding LLC have caused significant distress and financial harm. I believe their behavior is not only in violation of the FDCPA and FCRA but also indicative of a systemic problem within their debt collection practices. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter and take appropriate action to rectify the situation. 
I respectfully ask that the following actions be taken : Conduct a comprehensive investigation into the debt collection practices of LVNV Funding LLC to ensure compliance with the FDCPA. 
Require LVNV Funding LLC to provide valid and substantiated verification of the debt in question. 
Instruct LVNV Funding LLC to immediately cease all reporting of this debt to credit bureaus until the verification process is completed. 
Impose appropriate penalties and sanctions against LVNV Funding LLC if found guilty of violating consumer protection laws. 
Enclosed with this letter, please find copies of all relevant documents, including the collection notice, my verification requests, and any correspondence I have received from LVNV Funding LLC. 
I appreciate your attention to this matter and your efforts in protecting consumer rights. I look forward to a prompt resolution of this complaint and your assistance in holding LVNV Funding LLC accountable for their improper debt collection practices and unjust credit reporting. 
Thank you for your time and consideration.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (NC)

XXXX XXXX XXXX is reporting in accurate information if you notice on the attached forms the first day of delinquency is it being listed on either account. Please remove these accounts from my credit file immediately for the multiple times they are violated the The fair credit act
Consumer complaint received 2024-04-09
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

Throughout my history with this account, I've consistently upheld timely payments, preventing any instances of overdue payments. I find myself uncertain about the rationale behind the presence of late payment remarks on my accounts. Referring to 15 USC 1666b - Billing Error, corrections should be made.
Consumer complaint received 2023-12-18
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (TN)

I reached out to Navient about a status change on my credit report which shows student loans have been written off. I spoke with the Navient representative XXXX on XX/XX/2023 around XXXX and requested info about the write off status and he confirmed that the loans were written off and went into collection with a law firm that serves as a collection agency named XXXX XXXX XXXX I requested the bill of sale, 1099 form for the written off amount, any documentation on the write off, and a copy of the signed contract for the alleged debt. I am currently awaiting this information. 

I am now requesting via the CFPB that Navient provide the following : bill of sale, 1099 form for the written off amount, any documentation on the write off, and a copy of the signed contract for the alleged debt. 

This is not a request for validation of debt or any alleged debt but rather proving where you got my information and what you believe entitles you to collect any debt or alleged debt from me. I am not asking for verification of debt, statements, or any account information. Navient is not to communicate with me directly nor indirectly with the attempt to collect any debt or alleged debt.
Consumer complaint received 2017-03-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

I opened a new HSBC checking account with {$350.00} new account promotion in XX/XX/XXXX. I satified all the promotion requirements by setting up the direct deposit. Two of my friends opened the new accounts 1 week later than me. Both of them received the {$350.00} bonus at the end of XX/XX/XXXX. The latest time based on the promotion terms and conditions should be the end of XX/XX/XXXX. But till now, XX/XX/XXXX, I still did not get the bonus. I tried more than 10 times to contact the HSBC customer service. After checking the promotion 's terms, all the representatives aggreed that I satisfied all the promotion 's requirements. Then they forwarded my case to the backend promotion team for further research. I received the responses only twice of all my requests. Mostly, they promised to reply within 4 business days, then nothing happened. The first time the backend team stated that I did not qualify for the {$350.00} promotion because I already held an account with HSBC Bank USA while opening the new account. But I was not holding any HSBC account when openning my new checking account. The terms stated " Customers who held any HSBC personal account between XX/XX/XXXX and XX/XX/XXXX are not eligible for this offer. '' But my previous HSBC personal account was closed before XX/XX/XXXX. The second time the backend team stated that did not qualify for the {$350.00} promotion because I opened a new savings account along with my new checking account. But there was no any limitation on opening a new savings account in the promotion terms and conditions. I do n't think openning the new checking and savings accounts together could make me ineligible for the new checking account promotion. In addition, the two of my friends opened the new savings accounts too. They received the {$350.00} bonus. All in all, I met all the new checking account promotion 's requirements. But HSBC Bank USA refused to give me the bonus in different unreasonable excuses. The bank wasted a lot of my time without correcting their fault, even though I had contacted them for more than 10 times. They even did not reply to my customer service requests as they promised.
Consumer complaint received 2017-03-14
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PRIMARY RESIDENTIAL MORTGAGE (FL)

I had a house fire. XX/XX/2017 the insurance company finally sends the undisputed amount. I signed and sent it off to my mortgage company. I 've been reaching out to them for two weeks. I asked that they send a third of the XXXX so me and fianc can start demo disposal and start and complete the roof. Of course we will have help from family and friends that works in this field currently. Being that the undisputed amount is n't near enough to restore my home so we are having family that knows what there doing come in and help us because we have to try and make this money work for repairs until we finish disputing the rest of the funds with insurance company. I advised that I 'm handling this as a owner build and there will be no licensed contractor. They ( the mortgage company ) keeps insisting that I have one and I never signed a contract or a policy in my mortgage stating that I have to have one. Mortgage companies give customers the run around with the insurance money only so they can make interest off the money and make investments with the money being a dis service to their customers. We have been out of our home for four months and was badly damaged with fire. The insurance company not sending XXXX like they should so the longer the mortgage company hold my funds for repairs the longer I have to keep paying rent and my monthly mortgage. It 's causing financial hardship on my family. As long as the house is being restored correctly and is up to code and past all inspections and back to the way it was if not better than it should n't be a problem. Their being bully 's and prolonging the time for me and my family to get back in our home. This house has been in my fianc family for over thirty years so restoring and getting back in our home as quickly as possible is very important to us. I have XXXX and this unnecessary stress from my mortgage company is not needed. I 'm having XXXX ( crisis ) because of the whole situation. The mortgage company is Primary Residential Mortgage XXXX. XXXX XXXX, UtahXXXX XXXX or XXXX
Consumer complaint received 2023-12-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, account XXXX XXXX ( Number XXXX, Reference # XXXX ) has violated my rights. 

I am writing to report a violation of my rights under the Fair Credit Reporting Act ( FCRA ) by the Agencies ( XXXX, EXPERIAN XXXX ), account number XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX. As of XX/XX/, the reported amount owed is {$3000.00} and the status is listed as a collection account. 

Under the FCRA, my rights to privacy and control over the presentation of my credit information are clearly described and protected. Specifically, I would like to draw attention to two sections of the FCRA that have been violated : 1. 15 USC 1681 Section 602 ( a ) - Right to Privacy : This section explicitly states my right to privacy regarding the information contained in my credit reports. It protects against unauthorized disclosure of my personal financial data and emphasizes the importance of maintaining the confidentiality of this information. 

2. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Written instructions requirement : This section requires that a consumer reporting agency, such as XXXXEXPERIAN, can not provide information about my account without my explicit written instructions. This provision underscores the importance of obtaining my written consent before disclosing any account-related data. 

Despite the clear provisions of the FCRA, XXXXEXPERIAN has failed to comply with these requirements, resulting in a violation of my rights. They have disclosed information related to my account ( XXXX Reference # XXXX company XXXX XXXX XXXX ( XXXX ) and the original creditor XXXX XXXX XXXX ) ; without obtaining my written consent, thereby violating my privacy and control over my credit information.