davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: GOLDMAN SACHS BANK USA (OH)

I noticed when I went online to pay the monthly bill I had incurred interest that wasn't supposed to be there till XX/XX/XXXX, I got the {$5000.00} loan XXXX XXXX, XXXX, for electrical work. I called to see why this was happening and XXXX just explained about the monthly payments not going up. Not the question I asked. 
I was told when I got the loan we had a 6 month grace period with no interest. We have already paid more than half ( {$3000.00} ) of the loan already but it has incurred almost XXXX dollars in interest since XXXX XXXX which I looked back on the statements is when they started the interest. 
I asked XXXX again why I was incurring interest and she went to talk to a manager I suppose. She came back and stated that I was not put on the no interest for 6 months program. So said I will be contacting the state attorney general about the Bate and Switch and then I thanked her because I had a drs. appointment in half an hour and hung up.
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (FL)

I am former XXXX student, XXXX XXXX XXXX most of my loans tied to XXXX. 
I discovered there was private loans, managed through Navient ( Sallie Mae ). I am challenging the loan as the school ( XXXX ) was found to be a predatory school and want to challenge Navient private student loans
Consumer complaint received 2023-08-26
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. (NC)

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 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 2024-02-02
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (FL)

I received an AMEX gift card as a gift. I have successfully used them until sometime in late XXXX - early XXXX. Now I find I can't use these cards anywhere. 

These virtual cards are declined online and in XXXX XXXX XXXX  stores, at restaurants and grocery stores, or XXXXXXXX XXXX XXXX no one will take these cards. 

I call AMEX customer service and they can not offer me any resolution. They can not tell me where I can this card ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer my balance or offer me a refund. 

They do not allow you to use the cards for partial payments, nor do they allow you to charge too close to the total card balance. 

This system seems designed to skim a few dollars from American consumers. They hold our legal tender hostage and tell us there is nothing they can do about it. They falsely advertise that their gift cards can be used anywhere that accepts American Express cards. 

This is simply not the case. I can not resolve with AMEX customer service nor can the original purchaser. 

I have been unable to use this card for a year. My money is inaccessible. All I want is the total balance on my card in cash/check.
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MA)

AMEX recently raised their fees and my annual fee is due soon. I don't need the card, and it no longer makes sense for me to pay the fee, especially now that it's been raised by 50 %. There is no way on their website to find a ) when the next fee payment is due or b ) how to cancel the card. I tried chatting to contact someone, and there was a XXXX wait. Essentially, I am being held XXXX : Either I sit online waiting for them to reply or they charge me {$150.00} for something I no longer want or need. XXXX was sued for similar. I hope AMEX is too. This is clearly coercive and harmful to consumers. 

I expect my card to be cancelled before my next payment. I will not pay a dime now that I have tried to cancel and they will not let me.
Consumer complaint received 2024-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

My credit at the time this account is saying it was opened was no where near good enough to secure a card of this type! I absolutely have no recollection of this debt and never have had this card in my possession, let alone any bill to prove so! They are saying the entire limit was used at once and never once paid? This account is NOT MINE! Ive not been able to open up a credit card for many years! I would like to see all supporting documents they have to prove so!
Consumer complaint received 2024-02-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (VA)

I deposited two checks into bank account number XXXX Routing # XXXX date was XX/XX/24 One check in the amount of XXXX ck # XXXX And XXXX ck # XXXX and chase bank froze the funds due suspicious fraud because they werent able to verify the checks with the check maker. I tried giving chase the phone number to verify the checks which they had already on file and were unable to get through but when I call the number while one the phone with them The call goes through. They refuse to release the funds or return funds to check maker. The check maker is willing to reissue check but chase wont release funds back to them. I am now out of XXXX dollars which is frustrating and chase wont resolve my issue after multiple calls and in person attempts. I dont know where else to go from here.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (PA)

I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which is surprising as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commercial Acceptance Company (PA)

I am writing to bring attention to a concerning matter regarding my credit file. I have noticed the presence of a collection entry from your agency, which is surprising as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2024-02-01
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: WELLS FARGO & COMPANY (AZ)

I was a part of the large Wells Fargo settlement because my car was Repossessed. They issued a check in the amount of {$5400.00} in my name and my ex-wife name. I am now divorced and have no ability to get in touch with my ex-wife so I can deposit the check. I called and explained myself and the agent said there was nothing they could do about it. They said I had 2 options the first was to get a hold of her so she can sign it, and the second was to wait 2 or 3 years untill the money had been sent to unclaimed money. I have tried to get in touch with my ex and she changed her number and Address... I even tried her daughter with no luck. The second option is not an option and I really need my money. I recieved a tax document showing taxable interest with only my name on it. Is there anything I can do to get them to issue me a check in my name? I have a divorce decree and everything.
Consumer complaint received 2023-04-04
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. (GA)

Account # : XXXX Account Name : XXXX XXXX XXXX  Alleged Balance : {$770.00} Original Creditor : XXXX XXXX XXXX XXXX I have contacted both Equifax XXXX as well as XXXX XXXX XXXX  regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXX XX/XX/XXXXXXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Alleged Balance : {$91.00} Original Creditor : Progressive I have contacted both Equifax XXXX as well as XXXX XXXXXXXX regarding this account. The payment dates, balance amount, and opening date are all incorrect. Neither company has furnished proper proof that a thorough investigation was completed. 
XX/XX/XXXXXXXX XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Alleged Balance : {$5100.00} Original Creditor : XXXX XXXX XXXX I have contacted both Equifax XXXX as well as XXXX XXXX XXXX regarding this account. The high balance is inconsistent with the other credit bureaus. The close date is incorrect. Last payment is also incorrect and inconsistent with the other credit bureaus. 
XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2024-05-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

Subject : Urgent Review and Correction of My Borrower Defense Discharge Case Dear Nelnet Team, I am writing to request an immediate and thorough review of the handling and reporting of my federal student loans associated with XXXX XXXX, now part of the XXXX XXXX XXXX XXXX XXXXXXXX. This is in light of ongoing issues despite clear directives and findings from the Consumer Financial Protection Bureau ( CFPB ) and the Department of Education. 

Background and Previous Correspondence : As per the information from my Nelnet account and prior communications, my loans for the period enrolled at XXXX XXXX  from XX/XX/XXXX, to XX/XX/XXXX, were discharged on XX/XX/XXXX. However, there have been significant discrepancies in how these discharges have been processed and reported to credit agencies. 

CFPB and FTC Involvement : The complications have led me to file complaints with both the Consumer Financial Protection Bureau ( CFPB Complaint # XXXX ) and the Federal Trade Commission XXXX FTC Report XXXX XXXX ). Both agencies have been informed of the lack of action from Nelnet and the major credit XXXX, XXXX, and XXXX accurately updating the discharge status of these loans. 

Department of Education 's Findings : The Biden-Harris Administration approved significant borrower defense discharges for students of XXXX XXXX  due to deceptive practices by the institution. This was based on evidence provided by the California Department of Justice during a successful lawsuit against XXXX and its parent company, XXXX, highlighting extensive misrepresentations made to students ( Department of Education, Press Release dated XX/XX/XXXX ). 

Request for Action : Given the documented malpractices by XXXX XXXX  and the subsequent legal findings, I urge Nelnet to : Re-evaluate the handling of my borrower defense discharge to ensure all related loans are properly discharged.

Correct any inaccuracies in the reporting of these discharges to credit agencies.

Provide documentation and confirmation that these corrections have been made.

Conclusion : The resolution of this matter is crucial not only for rectifying my credit records but also for upholding the integrity of federal student aid programs. I expect a prompt response and action on this matter, ensuring compliance with federal regulations and justice for the affected borrowers.

Thank you for your attention to this urgent issue. I look forward to your swift and decisive action. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc (TX)

On XXXX i keep receiving calls from an an individual with an XXXX voice from phone # XXXX, when i answer they hang up, when i call back i say where is this may i have your name please they don't respond said they cant tell me its a professional matter and if its not for me to hang up, I said where is this place why do u keep calling? they hang up, Im so horrified they called again on XX/XX/2024 and did the same thing i said to the gentleman you are taunting me from yesterday who are you im going to report this and thats when he said please dont and said the company 's name is TATE AND KIRLIN ASSOCIATE AND i said please you are terrifying me please stop and he said ok we will remove your number. 

Then i got a text from them about a debt from XXXX FOR {$460.00}, I dont have a contract and didnt or never signed anything with XXXX  PLEASE MAKE THEM STOP. XXXX ALSO HAS A COLLECTIONS ON MY 3 CREDIT REPORTS, i have never signed anything with them and they need to verify original debt. I have never had business with TATE AND KIRLIN OR XXXX
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Marlette Funding, LLC (MN)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a clearly states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and XXXX are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX and the Consumer reporting agencies XXXX XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Consumer complaint received 2024-05-21
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: PNC Bank N.A. (GA)

My name is XXXX XXXX. I am NOT a 3rd party. I am a natural person submitting this complaint, and I am requesting that these negative items be removed from my consumer report.

I AM DEMANDING ATTENTION FROM A LIVE REPRESENTATIVE!!

PLEASE NOTE THAT I AM PERSONALLY AUTHORIZING THIS DISPUTE AND THE TRUTH IN LENDING ACT, CONSUMER CREDIT PROTECTION ACT, AND FDCPA VIOLATIONS YOU ARE BREAKING U.S. FEDERAL LAWS! 

I have previously sent correspondence to PNC Bank on XXXX XXXX in reference to a charged-off account that was previously reporting under my name with PNC BANK.I disputed said account in question # XXXX and asked PNC BANK to validate/verify the inaccuracies associated with said account. Instead, PNC BANK updated a charge off account to the credit reporting agencies which caused the account to re-age which is illegal affecting my credit score. 

This account was charged off and sold to XXXX XXXX XXXX ( see attached letter from XXXX XXXX XXXX ) Despite the transfer of debt ownership, PNC Bank continues to report the charge-off to the credit reporting agencies, which is inaccurately re-aging the debt and causing signifiant harm to my credit score.I am bringing this matter to your attention to request immediate action to rectify this situation and to cease these unlawful practices.

Upon reviewing my credit reports, I have found that the continued reporting of this account by PNC BANK is not in compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Credit Protection Act ( CCPA ). The FDCPA, under 15 U.S.C. 1692e, prohibits the use of any false, deceptive, or misleading representation or means in connection with the collection of any debt. By continuing to report a debt that has been sold and is no longer owned by PNC BANK, it can be argued that PNC BANK is misrepresenting the current status of the debt. 

Furthermore, under the XXXX, specifically the fair Credit Reporting Act ( FCRA ), it is required that any information reported to the credit reporting agencies be accurate and verifiable. Since the debt no longer belongs to PNC BANK, the continuation of reporting it as a charge-off from PNC BANK XXXX the FCRA 's stipulations for accuracy. 

therefore, I respectfully demand that PNC Bank immediately ceases the reporting of the charged-off account # XXXX to ALL three major credit reporting agencies ( XXXX, XXXX, and XXXX ) and promptly takes action to delete the record of this account from my credit reports. 

I would like to resolve this matter amicably and expediently. I ask that PNC Bank provide me with written confirmation that the reporting of this account has been stopped and that the account information has been DELETED from my credit reports. Please send this confirmation to my address on file. 

If this issue is not resolved within 15 days of this complaint, I will have no choice but to consider further action.
Consumer complaint received 2024-05-21
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (FL)

I called the debt collector today to which they transfered me to an agent who had taken all my information, including card number claiming to dispute the debt, then tried to charge me XXXX $ + XXXX $ a month to dispute a XXXX $ debt, after charging me XXXX $ to sign up with XXXX  to pull up my reports. After this I informed them that this sounds like a violation of the FDCPA they got very defensive and rushed me off the phone, including changing the amount the debt was for
Consumer complaint received 2024-01-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

My home loan ( Loan number XXXX ) with Select Portfolio Servicing , Inc., was paid off in full in XXXX, XXXX. The address is XXXX XXXX XXXX XXXX, XXXX, TX. 

I received a Release Lien on XX/XX/XXXX that was filed in the incorrect county. The lien was filed in XXXX XXXX ( which I had never even heard of ) and not in XXXX XXXX as it should have been. 

I did not notice this until I went through a nearly XXXX-month process attempting to acquire a home equity line of credit when my proposed lender finally informed me to look at my Release of Lien and note that it was not filed in XXXX XXXX .

I need to have the original release of lien filed in the correct county of XXXX immediately and a new lien ( backdated with original paid-off date ) mailed to me. 

First, I called the XXXX XXXX clerk and was told that I needed to contact my lender. When I attempted to call Select Portfolio Servicing, Inc., they were unable to connect me to someone who could help because they did not show my loan number. Select Portfolio Servicing was the third lender for the house at XXXX XXXX XXXX XXXX. The first was with XXXX XXXX, which sold the loan to XXXX  XXXX XXXX. XXXX  XXXX XXXX sold to XXXX. Finally XXXX sold to Select Portfolio Servicing. 

Thank you very much for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-21
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

I recently received a communication from your agency regarding a debt that you are attempting to collect. I am writing to formally request that you provide validation of this debt, as I have no prior knowledge of any agreement with your agency. 

Please provide the following documentation : Proof of Agreement : Any and all documentation that demonstrates I have entered into a contract or agreement with your agency ( COLUMBIA DEBT RECOVERY LLC DBA GENESIS ), including my signature or other forms of consent.

Debt Validation : COLUMBIA DEBT RECOVERY LLC DBA GENESIS The original creditor 's name and contact information.

An itemized statement of the debt amount, including any fees or interest accrued.

Proof that your agency has the legal right to collect this debt.

Additionally, I am concerned that my private information may have been shared or sold without my explicit consent. Please provide details on how you obtained my personal information and ensure that your practices comply with relevant privacy and data protection laws.

Until I receive the requested documentation and can verify the legitimacy of this debt, I will consider this matter unresolved. Please respond within 5 days to avoid further dispute. If you are unable to provide this information, I request that you cease all collection activities and update your records to reflect that the debt is disputed.