davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/2023 there was unauthorized transaction from merchant XXXX. Bank of America refused credit my account with temporary even doe there could see where the merchant took my money unauthorized. I have waiting over 90 day have not see any money put back in my account. Or temporary credit while they researching problem my XXXX still missing me account. On top that there is other unauthorized transactions happen in my checking account the Bank of America refuse to refund my credit in my account along with the fee they keep hitting my account with.
Consumer complaint received 2024-05-22
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Reliant Capital Solutions, LLC (NJ)

I'm looking over my credit report and notice this company Reliant Capital Solutions. I have NEVER done business with this company and have never given them permission to report such information on my credit report. Additionally, this company has violated my consumer rights heavily. Under 15 USC 1692g, this company was suppposed to send me written notice with the amount of debt, name of creditor, my rights to dispute the debt WITH FIVE DAYS and I did not receive it. This company has been " verifying '' to 3rd party credit reporting agencies that this alleged debt is mine and valid without providing any proof to me or those agencies of how they are verifying and providing me a copy of the " evidence '' they are using to do so which is a violation of 15 USC 1692G ( c ). I have not admitted to ANY liability to this alleged account. I am demanding Reliant cease reporting of this information to credit agencies as they were never given my permission to do so. I demand to see the contract I signed with Reliant making me legally obligated to pay this account. I want to know who their client is that sold my information to them. I want to know if this client filed an insurance claim for this alleged " deficient '' balance and I want all of this info for my review in 30 days
Consumer complaint received 2024-05-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (MO)

I contacted XXXX several times to get a copy of a bill they sold Jefferson capital! They refused to give it to me bc they did the debt! Jefferson capitol wont give me a copy either after several attempts to get it! Every time I disput the account they change the opening date and date of XXXX late payment! I had XXXX from XXXX when I switched and took my numbers with me and XXXX XXXX XXXX bought out the contract! Jefferson capital claimed I was in late by XX/XX/XXXX before the dispute they claimed I was late as of XX/XX/XXXX even tho I didnt have. XXXX in XXXX! They keep changing the dates on my credit report every time I dispute the bill as not mine and refuse to remove it or supply copies of what I owe even tho its not mine
Consumer complaint received 2023-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (HI)

Transferred from great lakes to Nelnet in XXXX of XXXX. I went from XXXX to XXXX in one month on loans that have interest currently paused. Reporting that I am missing payments to the credit bureaus. No login info provided to check the website, so I can not get into my account at all in XXXX  months since transfer. Emailed twice, the first time after my interest statement on my credit report on XX/XX/XXXX and again on XX/XX/XXXX with no response. Wait times of XXXX hours + every single time I call, no matter time of day. Disconnected and representatives are not aware of financial info. No physical mail sent to me, nothing...
Consumer complaint received 2023-08-15
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: Experian Information Solutions Inc. (NY)

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 2024-07-13
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

I am unaware of this debt : COLLBUREAU Account # XXXX I have not had the opportunity to dispute this debt before appearing on my consumer report, as I did not receive proper notification. I insist on the deletion of this collection from my report immediately. The account was settled through the original creditor.
Consumer complaint received 2024-05-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Bridge IT, Inc. (GA)

I took a payday loan from Brigit. They charge {$9.00} a month for membership. I sent an email over a year ago asking them to stop taking ( or attempting to ) those fees from my account. They will not allow me to cancel the membership without the loan being paid back. My loan was XXXX years ago. They overdraft my bank account doing this.
Consumer complaint received 2024-05-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (FL)

This creditor engaged in abusive, deceptive, and unfair practices in violation of the FDCPA. According to 15 USC 1666b, it is a billing error that I did not receive a statement 21 days before the late payment. Additionally, if a finance charge is included, there should be no late payment fees pursuant to 15 USC 1605 ( a ), as the finance charge encompasses the sum of all charges. Therefore, I should not be penalized for a payment that has already been made in full.
Consumer complaint received 2024-01-03
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc (OR)

The report is inaccurate. I submitted a complaint and was closed. No resolution!!! There is illegally false information on their report that needs to be removed!!! It is not accurate. I want proof of their supposed accuracy of their inaccurate reporting!!!!
Consumer complaint received 2024-05-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (MI)

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Complaint Against DISCOVERBANK account # XXXX for Violations of Consumer Rights Dear CFPB, I am writing to formally lodge a complaint against DISCOVERBANK for engaging in practices that violate my rights under federal law, specifically under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 


Violations Failure to Provide Validation Information : Under 12 CFR 1006.34 ( b ) ( 5 ), a debt collector is required to provide validation information about the debt. Despite my request for such information on XX/XX/year>, DISCOVERBANK has not provided any validation of the alleged debt. 


Premature Reporting to Credit Bureaus : Without providing the required validation information, DISCOVERBANK has placed a collection account on my consumer report. This action violates my rights as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( i ), which states that consumers must be given a chance to dispute the account before it is reported.

Use of False, Misleading, and Deceptive Means : DISCOVERBANK has violated my consumer rights by using false, misleading, and deceptive means in their attempts to collect this debt, contrary to the provisions of the FDCPA.

Unauthorized Reporting to Consumer Reporting Agencies : According to 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a collection agency must provide all necessary disclosures before furnishing any account information to consumer reporting agencies. DISCOVERBANK has furnished account information without complying with these legal requirements, constituting a clear violation of these statutes.

Requested Resolution I request that the CFPB take the following actions to address this issue : I am Requesting Debt Validation from DISCOVERBANK I am Requesting Purchase Agreement between DISCOVERBANK and the original creditor I am Requesting that DISCOVERBANK furnish proof that they are Licensed and Bonded Investigate the practices of DISCOVERBANK and enforce appropriate penalties for any violations of federal laws.

Require DISCOVERBANK to cease all collection activities on the disputed debt until they provide proper validation as required by law.

Ensure that DISCOVERBANK removes any and all information related to this alleged debt from my consumer report until the proper validation and disclosures are provided.

Prevent DISCOVERBANK from engaging in further communication with me through email/text/call.

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this complaint.
Consumer complaint received 2024-02-09
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery associates llc Dont have a license to collect debt in California and is therefore illegal for them to try and collect a debt from me. They have yet to send paperwork confirming my signature on the supposed debt. And yet they continue to call and allow this on my credit.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (CA)

There was a hard inquiry on my account that was made XX/XX/2024. I did not request this. I am currently in the process of buying a home so there is no reason for me to risk my credit score during this process. I reached out to JPMGB but got no answer in regards to this inquiry. there are no notes nor details on what the inquiry was for. They only advised me to contact the credit bureau for more information. After connecting with them, they also do not know the reason nor notes on the inquiry and advised me to contact the creditor, which I have made numerous attempts to figure out the reason and notes on the inquiry.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc. (CA)

I received an email from XXXX XXXX about a new XXXX XXXX approval on XX/XX/XXXX that I had not applied for. I had then checked XXXX XXXX email about a Hard inquiry had been made. It was not until I checked my XXXX XXXX  account the night of XX/XX/XXXX, that I realized someone had my information and had made 12 hard inquiries for credit card applications. I was unaware of this and did not sign up for any of these new credit cards. XX/XX/XXXX and XX/XX/XXXX, I contacted the 3 Credit Bureaus and put a freeze to them all as well as fraud alerts. I also contacted all of the inquiries made for those Banks and notified them that it was not me and marked them as fraud. I am afraid whoever this person is had my personal information as well as social security number. Below is a list of Banks for other Credit card applications. 

XXXX XXXX XXXXXXXX -Comenity Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-20
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp. (AZ)

I can not seem to send the series of text messages here from debt collector TrueAccord ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXtrue.acXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXtrue.acXXXX XXXX XXXXXXXX XXXX XXXX XXXX.true.acXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXtrue.acXXXX   ), but I have an XXXX credit score and am not aware of any unpaid debts. Dates are from XXXX - XX/XX/2024. I have not responded at all, thinking this was all spam/phishing, but I need to confirm this, so no clue about what amount I supposedly owe, nor to whom yet. I'm hoping you can figure that out and yes, if it's fake, sure, I'd love to collect on their fraud.
Consumer complaint received 2024-05-20
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: Bread Financial Holdings, Inc. (MD)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2018-03-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (WA)

Hi, We had been working with Nationstar ( now Mr. Cooper ), the servicing entity for our home mortgage loan for XXXX XXXX, on a loan modification back in XX/XX/XXXX. When it became clear that a new loan modification was not going to be approved, we decided the only path forward was to sell our house. Hence, we notified Nationstar in XX/XX/XXXX that we were putting the house on the market. 

In order to ensure we could sell the house, we borrowed money to get the house ready for sale, including replacing the roof. The roofing company had a backlog ; so it took the roofing company till late XX/XX/XXXX to put on the new roof. While we were waiting for the roof, we continued our efforts of the past eight years to try to work with XXXX and Nationstar to save our home. 

When it became clear that our efforts were futile, and after the 50 year old roof was finally replaced, we put the house on the market on XX/XX/XXXX, and it sold on XX/XX/XXXX, with a Purchase & Sale Agreement signed by both buyer and seller. 

To ensure a smooth process for paying lien holders and as recommended by our housing counselor, we requested that our real estate agent contact Mr. Cooper/Nationstar with information on the transaction. She did so via a phone call on XX/XX/XXXX or XX/XX/XXXX. The house is in escrow and is scheduled to close on XX/XX/XXXX. 

On the evening of Monday, XX/XX/XXXX at XXXX, we received a Notice of Default ( NOD ) taped to our front door. At the advice of our housing counselor at XXXX XXXX, we sent the Trustee of our loan ( XXXX XXXX ) a communication, requesting that they rescind the NOD, since they would soon be paid the full amount owed on their loan. 

By executing the NOD in spite of having knowledge of the sale, Mr. Cooper/Nationstar/XXXX XXXX  is adding undue risk to the sale of the house and closing. Our housing counselor says a NOD event shouldnt happen in the middle of an escrow closing, and this is a key reason why our realtor proactively notified Nationstar/Mr. Cooper of the sale of the house and the scheduled closing date well before the NOD was posted. 

Thank you very much for your assistance in resolving this matter.
Consumer complaint received 2024-05-20
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: Early Warning Services, LLC (AZ)

My information was sold and bought illegally because I was a victim of data breach by the direct negligence of XXXX XXXX XXXXXXXX and XXXX data breach. I want these items deleted from my credit reports effective immediately : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX I am attaching proof that XXXX and XXXX XXXX XXXX have admitted that I was in fact a victim of these data breaches and XXXXXXXX XXXX AND EARLY WARNING SIGNS has refused to remove these items. Please help me delete these illegal accounts from my credit reports as I am a victim of identity theft and data breaches.
Consumer complaint received 2024-05-20
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HYUNDAI CAPITAL AMERICA (CA)

Fair Debt Collection Practices Act ( FDCPA ) violations by Kia Finance America. 

* Debt Validation Notice : Kia Finance America failed to send me a debt validation notice as required by the FDCPA ( 12 CFR 1006.34 ( b ) ( 5 ) ). This notice informs me of my rights to dispute the debt and request verification of its legitimacy. 

* Dispute Opportunity : Kia Finance America did not provide a reasonable opportunity to dispute the debt ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ). The FDCPA mandates debt collectors to investigate any disputes you raise within 30 days. 

* False or Misleading Representations : I believe Kia Finance America 's collection efforts may be deceptive or misleading ( 15 USC 1681-S2 ( 7 ) ( A ) ). The FDCPA prohibits debt collectors from using false or misleading statements to collect debts. 

* Compliance with Disclosure Requirements : Kia Finance America has furnished inaccurate information to credit reporting agencies without following proper disclosure procedures ( 12 CFR 1006.34 ( d ) ). The FDCPA necessitates debt collectors to furnish accurate information when reporting debts to credit bureaus. 

I didnt have an opportunity to dispute this information. If I fact you believe you gave me proper notification. 

THEN PLEASE SEND ME CERTIFIED RECEIPTS WITH NAME AND SIGNATURE STATING I RECEIVED IT.
Consumer complaint received 2024-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (NY)

I cashed a 3rd party check that was signed over to me for the amount of {$18000.00} and there was a 10 day hold put on it. 2 days prior to the hold being lifted chase informed me that my account will be restricted if they can not verify the checks original payee prior to them signing it over to me. They need a verified number but the number I give which belongs to the person they need to speak to, they say is not verified in his name. They wont release the funds or the restriction placed on my account.
Consumer complaint received 2024-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Stellantis Financial Services US Corp. (AL)

When I initially bought the car, I was told that I would be able to refinance the car in 6 months. That is not true. The car was sold to me for almost double what it is worth at a 17 % interest rate. No one will refinance the car. I reached out to Stellantis on XX/XX/year> to talk about lowering my payments and or interest rates and I was hung up on. I am unable to purchase a home because of this car loan. I was also required to put down a {$2500.00} down payment that did not go towards the auto loan.
Consumer complaint received 2024-05-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (IL)

On XX/XX/2024 I sent early warning a letter for a investigation of the accuracy of the reported information in my consumer report. On XX/XX/2024 they responded by stating reinvestigation confirms that the information contained in my file is accurate and complete as of the date it was furnished to their database. On XX/XX/2024 I sent a method of verification requesting any documents to support their reporting FCRA 611 ( a ) ( 7 ) a description of the procedures used in my earlier disputes, all the information they used for their investigation, as FCRA 611 ( a ) ( 7 ) required, And Written proof that they forward all the relevant information in my earlier disputes to the creditor. FCRA ( a ) ( 2 ) ( B ). Early Warning responded by stating " EARLY WARNING DOES NOT HAVE ACCESS TO ACCOUNT DOCUMENTATION AND THEREFORE UNABLE TO PROVIDE COPIES OF ANY DOCUMENTS. Then referred me to the furnisher. It has been 60 days, and Early warning has failed to supply the demanded proof of the alleged items, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I can presume that no proof of the alleged debts exits XXXX  XXXX BANK  XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX BANK
Consumer complaint received 2024-05-19
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: JPMORGAN CHASE & CO. (CA)

[ XXXX ] ( XXXX XXXX XXXX  ) XXXX - {$5300.00} I opened a dispute on my chase card ending in XXXX on XX/XX/XXXX. 

The item ( s ) : 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 were ordered XX/XX/XXXX XXXX 

It was supposed to be delivered on XX/XX/XXXX. The item was not received by me and never signed for by me, but by a name I do not know. I have contacted the merchant and confirmed that the address it was shipped to matched, but nothing was received by me at the location at the time of delivery. 

I requested a new one reshipped to me, they refused after persisting for the next 2 months, even after filing a police report confirming that it was not received as a result of theft or misdelivery. 

I contacted my credit card company ( Chase ) to open a dispute on XX/XX/XXXX, I submitted the purchasing invoices, the tracking numbers associated with the order, proof of delivery, and a police report filed with the local authorities and was declined my chargeback on XX/XX/XXXX.