davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-13
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. (IN)

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 a 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 2023-12-16
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (SC)

I have not used XXXX for more than 10 years. Suddenly, I have a debt collector ( i.e., American Coradius International LLC. ) tell me I owned to XXXX  some money. They referenced the account number that Ive never known. This is a scam. 

Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: DISCOVER BANK (SC)

I was a XXXX student in XXXX and someone used my social security number and my ID and built 7 different accounts under my name without my permission, the bills start showing up from XXXX until XXXX with total aroundXXXX , which i never purchased
Consumer complaint received 2023-12-15
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Incomm Holdings Inc. (CA)

I received a gift card for my birthday in XXXX. Used it at XXXX, returned what I bought, bought something else. Then I didn't use it until the day after XXXX and there was no money left on it. The charges were made on XX/XX/XXXX, the same day I noticed them and I called immediately. 

I contacted one of the places that was charged, never heard back. The other charge was for some sort of crypto thing and they had no way to find out where the money went. 

I put in a dispute and they declined.
Consumer complaint received 2023-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (MN)

Nelnet illegally capitalized interest on my loan and is ignoring my requests to rectify the situation. I have been in the same IBR plan for several years. Nelnet demanded I recertify with them separately, even though I already recertified through studentaid.gov for my other loan with another servicer. The deadline to request recertification was XX/XX/23. I could not recertify for Nelnet on studentaid.gov, because I already had for 2023. So I called Nelnet and they said to upload a self-certified income document, which I did XX/XX/23. Then they sent me an IDR application and I submitted the application and uploaded the documents to their upload portal on XX/XX/23, as instructed by their customer service agent. Then in XXXX they wanted another application. So I emailed it this time. Then on XX/XX/23 Nelnet capitalized about {$2200.00} in accrued interest. But they should not have done it because I never entered deferment or ended/changed my plan. 

Then I asked them on the phone why they capitalized, which took 2 hours on hold! They said it did not happen. But I have the statements to prove they did it. Then I emailed them several weeks ago and got no response. 

Nelnet should reverse the capitalization of accrued interest because I never entered deferment or ended my plan. Any delay in processing my recertification was their fault. And they need to get more customer service. 2 hours for a call is unacceptable. And nobody at Nelnet responds to emails. They purposely make it impossible to get information or get things resolved. Super shady.
Consumer complaint received 2017-04-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (TX)

I have been requesting verification of the following account that Experian continues to report on my credit file : I contacted the Bankruptcy court and was made aware they do not verify any Bankruptcy cases. I have provided evidence that the cases do not belong to me as my son has my name also. I demand that this public record Bankruptcy is removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and Experian has yet to verify. All they send is Verified on my report but do n't list any names or address on how this is verified and then state they will not dispute this anymore. I demand that this unverified account : Bankruptcy is PERMANENTLY DELETED FROM MY CREDIT FILE
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX Account # has violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions. 15 USC 1668B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. I submitted a FTC report as well and Transunion is allowing XXXX XXXX XXXX XXXX to violate my Fair Credit Reporting Act.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TN)

XXXX XXXX online request for refund system is not validating the ticket number leaving my only recourse as this option. 

It looks like instead of canceling the return portion of my flight, the entire flight was canceled and then reissued, causing it to become non-refundable. 
The new receipt explicitly lists that its a nonrefundable airfare. 
The agent was able to do after getting assistance from the ticketing department because of an error code in the system that was showing a {$3300.00} change which didnt make sense but was corrected. 

However, instead of getting refunded, the agent alerted me that it would be travel credit. I asked why it would be travel credit on a return flight that was booked at first-class rate, not upgraded, and the agent replied that it was booked as a non-refundable ticket. I was told this after the ticket was re-issued. After the exchange was done in the system. 

Filed dispute with my credit card Apple/Goldman and its been over 30 days with no resolution. In fact, Apple/Goldman just sent me an email for more information. When I filed my claim I submitted a detailed XXXX page report of the entire transaction and interaction with XXXX XXXX representatives. If I had used XXXX XXXX this issuse would have been resolved in days, not weeks. I am not confident that my credit card issuer is looking out for me, their customer and instead going to find an avenue to side with the merchant ( XXXX XXXX ) when I have provided more than enough proof for the dispute to have been researched and resolved.
Consumer complaint received 2023-12-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (IL)

I have tried to save my home and yet U.S. Bank refuse. I initially believed the lender refuse to correct an internal failure during a corporate transfer when it took my mortgage payment, unapplied it, then initiated foreclosure against me for the internal mistake. ( see proof of claim 2.1 page 4, " unapplied balance '' column o. See also pgs. 4-12 ) But after U.S. Bank added my known abuser 's name to the foreclosure complain then proceeded to obtain a judgment for foreclosure and a sale date during the pandemic and my bankruptcy automatic stay. I asked the know abuser why U.S. Bank initiated the foreclosure, refuse modification and added his name to the foreclosure complaint? The abuser stated the foreclosure was initiated because there is a plan to XXXX me and give him my home. U.S. Bank have yet to explain why the abusers name was been added to the foreclosure complaint. U.S. Bank filed a false proof of claim that was initially disallowed. 
I filed another XXXX  XXXX bankruptcy on XX/XX/2023, but U.S. Bank refuse modification mediation and the terms in the proof of claim appear to be reverse redlining. ( see proof of claim number 2.1 pt2 page 7 ) Will I actually lose my home due to these predatory lending practices?
Consumer complaint received 2023-12-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC (FL)

Re : Account Name : Security Credit Services Account : # XXXX Type Account : Alleged Collection I have previously disputed the above referenced account on [ XX/XX/2023 ]. This item was deleted from the credit file on the subsequent credit report of [ XX/XX/2023 ] - [ XX/XX/2023 ] based on my credit report alerts from XXXX XXXX. ( SEE ATTACHMENT ). However, now these items have reappeared on my credit report without the collection agency following the legal reinsertion process as outlined in FCRA. 

In accordance with the requirements of the FCRA, I am hereby requesting SECURITY CREDIT SERVICES to complete complete compliance with any and all of the provisions listed below and permanently remove this item. 

FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material. 

Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report within the next 5 days, if you would like to avoid me moving forward with my said rights. 

Once complete, mail me an updated copy of my credit report showing this item has been deleted. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (FL)

I Opened a merchant dispute under the case Id XXXX with my bank on XX/XX/XXXX, for XXXX transactions due credit not processed. During all of this time the bank didnt request any information from me and the claim was denied on XX/XX/XXXX. On XX/XX/XXXX I sent the documentation to the bank to reopen the case, the XXXX refund receipt with the stamp of the store and the email with the store confirming that they accepted the return and issue the refund but was never posted to my account. 
I called again to the bank today XX/XX/XXXX but they said there is no sufficient information to support my case, So I need what the bank wants to proceed with the chargeback. She couldnt provide that information and the only solution is to put a call back request something that doesnt work because im not in the USA .
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I have identified these items on my report that are a result of identity theft. These items are not related to any transactions completed by me. The items are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And hard inquiries including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am requesting the immediate removal and/or blockage of all listed items. Each of these companies listing these transactions have already violated my right to be notified of the debt and my right to dispute the debt by just attaching themselves to my credit profile.
Consumer complaint received 2023-12-15
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Paypal Holdings, Inc (MS)

Venmo, i deposited. XXXX dollars i spend. XXXX at store they lock my card and said i can't get my money back for 180 days. i did nothing wrong. that is 6 months.
Consumer complaint received 2023-12-15
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (NY)

My credit card was moved from Synchrony bank to XXXX without my consent or authorization. I never received information of my credit card being sold or transferred from synchrony bank or XXXX. I was never made aware of the fact that I have or had the option to opt out. I never received any package from synchrony bank or XXXX for opt out option. They violated my right and took advantage of me. XXXX and Synchrony bank both should be held accountable for these actions. If I had known that synchrony bank was selling their credit card business to XXXX, I would have opted out given that all the negative and bad reputation they have surrounding their customer service, hostile treatment and entrapment tactics behavior they use against consumers. They do not communicate nor properly informs consumers and uses shady business practices to destroy consumer credit card scores and history. This is their soley business practice based on all the comments on reddit and all over the internet that I have come to learn.
Consumer complaint received 2023-12-15
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: OneMain Finance Corporation (IL)

Account name : OmeMain # 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 a 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 2023-12-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Recently I opened an account with Bank of America, my account was later closed without an explanation. I believe this action was caused by false negative reporting ; however, when I asked for the information, " why I was denied a checking account? '' I was told I could not receive it. I have attached my XXXX report which does not reflect any negative check reporting.
Consumer complaint received 2023-12-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION (MD)

On XX/XX/2023 I took out a new car loan through Navy Federal to purchase a XXXX XXXXXXXX XXXX price that {$43000.00} I finance {$25000.00} through Navy Federal. Unbeknownst to myself the car was stolen from a car dealership The title was counterfeit and the Vin number had been replated. Navy Federal has the identity of these criminals as well as video footage of these criminals at a navy federal branch located at XXXX XXXX XXXX, XXXX, NY XXXX. On XX/XX/2023 I filled out a consumer loan addendum agreement/decoration of loss and I filed a decoration of fraud/forgery on XX/XX/2023. I also reached out to Navy Federal in writing on XXXX 2023 informing them that they do not have my consent to report this fraudulent account on my credit report. And that this loan should be deleted, and declared a loss. Unfortunately, Navy Federal conducted a fraud investigation, which determined no fraud, had taken place which to me is impossible. I requested a copy of the fraud investigation and was denied and advised to subpoena for the investigation. Please look into this matter that violates the fair credit reporting at 15 USC1681b, permissible purpose and 15 USC 1681 fitness and accuracy.
Consumer complaint received 2023-12-15
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (NY)

My credit card was moved from XXXX XXXX to Barclays without my consent or authorization. I never received information of my credit card being sold or transferred from XXXX XXXX or Barclays. I was never made aware of the fact that I have or had the option to opt out. I never received any package from XXXX XXXX or Barclays for opt out option. They violated my right and took advantage of me. Barclays and XXXX XXXX both should be held accountable for these actions. If I had known that XXXX XXXX was selling their credit card business to Barclays, I would have opted out given that all the negative and bad reputation they have surrounding their customer service, hostile treatment and entrapment tactics behavior they use against consumers. They do not communicate nor properly informs consumers and uses shady business practices to destroy consumer credit card scores and history. This is their soley business practice based on all the comments on XXXX and all over the internet that I have come to learn.
Consumer complaint received 2024-06-22
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Gurstel Law Firm, P.C. (NV)

I am writing to file a complaint against Gurstel Law Firm , P.C . regarding their unfair debt collection practices. 

I am currently unemployed due to severe XXXX, which led me to resign from my job. I have communicated my medical condition and financial hardship to Gurstel Law Firm multiple times. Despite this, they have refused to negotiate a settlement for my $ XXXX debt, even after I offered to settle for 10 % XXXX % of the balance. 

Their refusal to work with me and ignoring my documented medical condition has caused me significant stress and paranoia, which I believe constitutes harassment and unfair practice under the Fair Debt Collection Practices Act ( FDCPA ). I can provide documentation from my XXXX  and XXXX to support my claims. 

I have tried to resolve this issue with Gurstel Law Firm directly, but they have been uncooperative and dismissive of my situation. Their actions have further damaged my mental health and financial stability. 

I am seeking your assistance in addressing this matter and ensuring that Gurstel Law Firm complies with the FDCPA and treats me fairly. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION (TX)

I had about XXXX dollars taken from my account in XXXX via XXXX transactions, XXXX in XXXX and XXXX in a XXXX XXXX XXXX in XXXX, TX. A place where I have never been to. 

These transactions occurred on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I received an email asking me about verifying a transaction in the XXXX XXXX XXXX TX, I replied to the email indicating that i had not made that transaction. 

I received another email from Regions Bank confirming they received my reply. They sent me a different card since the initial one seemed yo have been cloned. I thought that was going to be no longer a problem since they changed my card. This week I went to pay my HOA fee through this account and noticed the XXXX dollar missing in the transactions indicated above. 

I went to the bank in person to resolve this issue only to be told that it had happened over 60 days ago and they couldn't resolve, I called their customer service who instructed to go to one of their branches, at the branch the only option I was given was to call the merchant to try to get them to revert the charges which of course they wouldn't do. 
At the end, I was given no solution and decided to withdraw the rest of my money since I can't trust that bank.
Consumer complaint received 2023-12-15
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 (NJ)

I bought a American Express Gift Card at my local XXXX for {$200.00}. I tried to use the card on countless merchants online and the card got declined by each one. I call the American Express Gift Card support and they were no help. They told me the card was activated despite the declined transaction and they advised me to just keep trying at different merchants which was no help because I was already trying that. Now I am stuck with a gift card that wont work.