davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (UT)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXXXXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
XXXX. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

After receiving response that my account/debt was verified. I sent in a MOV letter on XX/XX/23 to all 3 credit reporting agencies regarding numerous account ( all will be attached to this complaint and where also attached to my dispute letters ) based on 611a ( 7 ) and 15 USC 1681g. These agencies have failed to respond and/or furnishing the requested information or documents requested or the process, who the spoke with, what documents they received, what records where checked, how the account was verified, or what was used to validate this debt with the creditor during the the reinvestigation and none of this information was sent to me via mail as requested in the MOV dispute letter.. This is a violation of the FCRA. Also this creditor is in violation os 15 USC 1581. in this case there is unlawful deformation of my credit. There is no documentation furnished with my wet signature, no original contract, or nothing from me stating I gave my permission for this to be reported on my credit report.
Consumer complaint received 2023-11-22
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY (NJ)

I have a XXXX XXXX XXXXXXXX XXXX XXXX  through wells Fargo. It was brought to my attention that a checking account which does not belong to me has been being charged. Wells fargo refuses to chargeback that card & allow me to pay back the bank myself. i did not authroize those card payments nor did the person whos account it is. Wells fargo basically told me i have to take it up with my bank but i was never authorizing those charges to be paid with that account since it is not even my account and i never added it to my XXXXXXXX XXXX XXXX. They have not been very helpful and i am open & willing to pay the bank back whatever was charged to this persons account.
Consumer complaint received 2023-08-28
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

In accordance with the Fair Credit Reporting act 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 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any reason.
Consumer complaint received 2023-12-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

On XX/XX/XXXX, I notified XXXXXXXX XXXX of XXXX, CA, of my intention to vacate my apartment, with the lease ending on XX/XX/XXXX. However, I was incorrectly charged for days beyond my tenancy. I returned the keys on XX/XX/XXXX, as their office was closed on my move-out date. Despite this, XXXX altered my move-out date to XX/XX/XXXX, leading to unjustified prorated rent, insufficient notice fee and other move-out charges. 

Subsequently, XXXX sent my account to Fair Collections & Outsourcing Inc ( FCO ) for collections without providing me an itemized breakdown of these charges or notifying me of the debt. On XX/XX/XXXX, upon learning about the collection action from FCO ( letter sent dated XX/XX/XXXX ), I immediately disputed the debt, requesting a detailed validation, including specific charges and their justification. Despite my dispute, FCO reported the alleged debt to credit bureaus without any response. 

The actions taken by XXXX and FCO have adversely impacted my credit and have been conducted without transparency or due process. No effort was made by XXXX to clarify or validate the charges before escalating to collections. FCO, in turn, failed to adequately address my dispute before reporting to credit bureaus.
Consumer complaint received 2024-07-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA (NV)

I was recently granted permanent discharge status for all of my federal student loans. My loan balances have been reduced from a total of over XXXX dollars to zero on XX/XX/year>. My credit report however says otherwise. I'm trying to get approved for a home loan and am stuck in a stand still until these loans are off of my credit. I've contacted the banks with to no avail.
Consumer complaint received 2023-11-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I initially contacted XXXX when I saw that my account was in Forbearance. I did not request this, but I did complete a borrowers defense application with the Dept of Education. However, on the form I selected that I did NOT want to be placed on forbearance. ( There was a choice. ) XXXX said that they could not successfully remove the forbearance because the department of Education replaces it on my account after they remove it. 
So I contacted the Borrowers Defense phone line and the person told me that they will remove the forbearance. However I still have it on my account. 
The issue here is that I am trying to continue making payments on my PSLF and I can not do this while there is a forbearance. I currently have a {$0.00} due and payments made while in forbearance does not count. I did not request one so I feel it should be removed.
Consumer complaint received 2024-04-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (CO)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX account # XXXX and XXXXl XXXX account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According t

o 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. Additionally, per 15 U.S.C 1681 section 602A I have a right to privacy. 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 inacc
urate.
Consumer complaint received 2024-07-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: CITIZENS FINANCIAL GROUP, INC. (AZ)

We opened a CD with Citizens that matured in XX/XX/year> and we never received communication that it was maturing. Citizens has renewed the CD for five more years, and will not let us access our funds without a hefty removal fee. We would like our funds transferred back to our original account at XXXX XXXX XXXX, and Citizens is not permitting this. 

Not everyone is connected to email 24x7, and we never received the original email that our CD was due. Even more importantly though, we never received a phone call. I think for people who are not on technology all the time, a phone call would be a much better communication tool than email. It is almost as if Citizens is being very sneaky and trying to keep customer money as long as possible and pay as low an interest rate as possible. 

I am hoping you can help get our money out of this bank without a fee.
Consumer complaint received 2021-03-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP (CA)

On or around XX/XX/XXXX we applied to US Bank for a refinance on our existing mortgage we have with the company. At first and up to the point of getting the application fee there was good communication. From there it just fell apart. We provided them with all the information they ever asked for but could never get a straight answer about how the process was going. A P & L had to be in by XX/XX/XXXX, year to month prior to the loan, XXXX through XXXX which we provided. We had an appraisal done on XX/XX/XXXX. XX/XX/XXXX is when they email wanting us to review the appraisal which we did and sent correspondence stating that one area of the information was incorrect. Never heard another thing, emailed and left multiple messages to no avail. Finally on XX/XX/XXXX after threatening to file a complaint we are emailed that our loan had been cancelled. We received no notification until after it was cancelled. At this point the loan officer offered to start the process over again but " fast track '' it. Apparently he put the application into the portal that we had been using during this process and neglected to tell us that. A month later and we are at the final straw he tells us it's been sitting in there for a month. Mind you, we no longer had access to the portal once the loan was cancelled. 
At this point I call US Bank 's mortgage department and file a complaint with a secretary who will pass it on to management. Call back two days later because it was a weekend and they have no record of the conversation and gentleman that we spoke with was unwilling to take any further information or help in any way. 
That was it! We have been trying to get a refinance with a company we have had a mortgage with for over 11 years for almost 3 months. Never missed a payment or been late once. We want to make others aware and we want our {$390.00} application fee returned to us. They have cost us thousands of dollars and much headache. It is obvious that it is in the banks best interest to stall and cancel this refinance, they are making much more keeping us in our old loan. 
We have every email correspondence to back up all this information. 
XXXX XXXX XXXX XXXX ID # XXXX Mortgage Loan Officer XXXX XXXX XXXX Mortgage Loan Processor XXXX XXXX
Consumer complaint received 2024-07-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Office of Michael J. Scott, PC (TX)

On XX/XX/XXXX, I Received a debt letter from a company called Scott & Associates claiming they are a debt collector, and collecting a debt owed to XXXX XXXX XXXX, XXXX. 
I responded to the letter by requesting Debt Verification. Scott & Associates/ XXXX XXXX XXXX XXXX XXXX XXXX by sending me a copy of a bill, which is not what I requested. I responded to this letter stating that a bill in itself does constitute verification and until they can send me the other information, I requested to please discontinue contact and that if Scott & AssociatesXXXX XXXX XXXX XXXX XXXX I would be forced to report them to the CFPB. They keep sending me copies of bills but not any other verification I requested, A process server has also been coming by my home and I received a letter from a Lawyers office that XXXX XXXX XXXX has filed a lawsuit against me in XXXX XXXX clerk 's office on XX/XX/XXXX for an unpaid debt.
Consumer complaint received 2024-03-08
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: KINGS CREDIT SERVICES (CA)

To Kings Credit Services, I have been met with continued stalling and evasiveness. Despite my clear and substantiated claims, my dispute for inaccurate charges and depleted security deposit remains unresolved. I have provided timestamped photographic proof, once again, that I left the carpets  spotless. I am not responsible for standard turnover costs, including carpet shampooing, as I left the carpets in good condition. Any contract or addendum attempting to justify this charge violates California Civil Code 1950.5 ( b ) ( 2 ). I demand a prompt resolution and correction of the inaccurate credit reporting. 

Furthermore, I provided a valid 30-Day Notice ( written, signed, and dated on ( XX/XX/XXXX ) in accordance with ( California Civil Code 1946.7 ), as it was delivered in person with a witness and contained explicit instructions to use my funds within the security deposit for the prorated rentfulfilling my requirement to pay final ( prorated ) rent, but the landlord didnt honor my Notice and ignored it despite the lease agreement allowing for the security deposit to cover rent ; since the Notice was perfectly valid and I delivered it with a zero-balance on the account, there is no mistake that I properly gave it, complying with ( California Civil Code 1946.7 ) .

If the prorated rent was honored then there would have been more than enough of the remaining funds of my security deposit to cover for the frivolous statement charges excluding the invalid carpet shampooing charge. 
The failure on the part of both the Kings Credit Services and XXXX XXXX XXXX to accept my evidence and acknowledge this dispute is laughable. Aside from the questionable licensure of the Kings Credit Services, refusing to provide credentials and their website showing they have a a application pending for a California Collection License ( XXXX XXXX XXXX ) ; they inaccurately reported a {$350.00} negative balance to my credit report ( XX/XX/XXXX ), instead reporting the disputeas a dispute on my credit reportthey reported it as a derogatory/negative account with a collection/charge-off status. Their communication tactics have been marked by manipulation, deception, incompetence, and an attempt to shift the burden of proof onto me, reversing my demands for receipts and proof on the part of the landlord with the debt collector having the audacity to tell me I need to prove with my own receipts. A desperate attempt to manipulate the situation further. I demand that both parties acknowledge my evidence and rectify the situation with a prompt resolution to my disputenow.
Consumer complaint received 2024-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (NY)

I have asked and received nothing concrete about over payments I had taken from my check last fall that were not returned to me ever. By my accounting, Navient garnished all of my XXXX payments of XXXX, did not apply these to garnishments taken and have claimed now over and over I am not eligible for the XXXX private student loan forgiveness, as these loans were taken out between XXXX, my personal XXXX  score was under the amount based in the lawsuit and it met the qualifications. Based on my calculations, they have not returned at least $ XXXX {$1400.00} in overpayments for the garnishments, as well as at least $ XXXX {$26000.00} or more of the loans I had that qualified for this lawsuit. They have claimed to look into these, but have provided NO proof of their claims and my personal accounting shows I was over garnished AND eligible for a return of a lot of these loans that were settled once I closed on a home sale in XXXX of XXXX. 

So far this is also what I have learned : The Settlement was approved by the Court on Thursday, XX/XX/year> after a Final Approval Hearing on XX/XX/year> Since this settlement was approved, I have received nothing at all and I am eligible. Navient knows it too.
Consumer complaint received 2024-03-09
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: AMERICAN EXPRESS COMPANY (OH)

On XX/XX/2024, I transferred {$350.00} and {$420.00} from my American Express Bluebird account to my XXXX XXXX Checking Account. On XX/XX/2024 XXXX returned the two transfers as Bluebird by American Express deemed them coming from a non transactional account and refused them. 
I was then hit with multiple {$29.00} returned item fees from XXXX 
On XXXX I contacted the XXXX complaint # XXXX and received a written response from American Express on XXXX/XXXX/204 that stated that they would not assist in this matter. 
To this date the {$770.00} was never returned back to my Bluebird account and that money is a part of my monthly Social Security XXXX XXXX. Which I need to survive. 
I also contacted the State Of Ohio Attorney General regarding this matter on XX/XX/2024 the complaint # XXXX. The Ohio Ag referred me to the Office Of The Comptroller of The Currency who advised me to contact your office.
Consumer complaint received 2024-02-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (FL)

I have been an American Express customer in good standing since XXXX. On XX/XX/XXXX I applied and was approved for an American Express Platinum credit card. I applied for this card because of the bonus points offered by American Express for opening this credit card, which were XXXX points after spending {$8000.00} in the first six months after account opening or XXXX points after spending {$8000.00} in the first three months after account opening. As of XX/XX/XXXX ( XXXX XXXX months ) I had spent $ XXXX. 

On XX/XX/XXXX I contacted American Express about another matter and also asked about my bonus points at which time I was told I was not eligible for a bonus. I asked why I wasnt eligible and why I wasnt informed of that and was told that I would have gotten a message when completing the application ( though they said they were not sure how large the type size was ) and that I chose to apply anyway. I absolutely did NOT get a message during the application process as the bonus points were the only reason I applied for a credit card with a {$690.00} annual fee. I feel this is a bait and switch on the part of American Express and feel that I should be awarded the bonus points as I could have used that spending towards other rewards, rather than just now finding out Im not eligible for the bonus points.
Consumer complaint received 2024-01-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc (CA)

Consumer Protections Agency Consumer protection agency, I hope this letter finds you well. I am writing to bring to your attention a matter that has caused me significant distress and financial hardship. As a XXXX XXXX customer of Chime, I have encountered a series of deeply troubling challenges in seeking resolution for disputes that have had a severe impact on my financial stability and personal well-being. My name is XXXX XXXX, and I am compelled to bring to your attention the series of events that have led me to believe that Chime has failed to uphold fair and just treatment, thereby discriminating against me. 

The handling of my claims by Chime has been marked by a persistent lack of due consideration and professionalism, resulting in substantial financial losses and personal distress. Despite providing comprehensive evidence to support my claims, each of my submissions has been met with repeated denials, creating an atmosphere of doubt regarding the thoroughness and fairness with which my concerns have been addressed. The cumulative amount in dispute is in the thousands of dollars, and the continued disregard of substantial evidence provided has been particularly distressing. 

I have made repeated attempts to engage Chime in the proper investigation of my disputes. However, each interaction with their support and supervisor teams has been marked by failed promises and unfulfilled assurances. I have diligently followed all the prescribed procedures, including submitting a meticulously prepared Regulation E form supported by a signed affidavit attesting to the errors in the claims. Yet, my claims have continued to be summarily dismissed. Moreover, actual transaction receipts documenting ATM errors were inexplicably disregarded despite being submitted as irrefutable evidence. 

The consequences of these issues have been nothing short of severe, resulting in significant personal and business-related upheaval, including the unfortunate dissolution of my marriage and the loss of my home. Engaging with banking and investigation agents has only served to reinforce the validity of my disputes, with clear indications that the claims in question should be rightfully reimbursed. 

I am deeply troubled by what I perceive as discrimination against me as a XXXX XXXX customer and the apparent failure of Chime to conduct a proper and impartial investigation into my disputes. In light of this, I urgently seek your agency 's assistance in addressing this matter and ensuring that Chime upholds the fundamental principles of fairness and equity in its treatment of all customers. 

I trust in the earnest commitment of your agency to give the serious attention this matter truly merits, and I eagerly anticipate your swift and decisive intervention in this regard. 

Yours sincerely, XXXX XXXX