davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Radius Global Solutions LLC (TX)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Re : Formal Complaint Against Radius Global Solutions LLC for Violation of Consumer Protection Laws Dear Sir/Madam, I wrote Radius Global Solutions LLC and requested debt validation pursuant to 15 USC 1692g . They failed to provide me with proof of validation of the debt. So then I wrote them an affidavit of truth for Violation of Consumer Protection Laws and they failed to respond to the affidavit within 30 days. 

I am writing to file a formal complaint against Radius Global Solutions LLC for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692, et seq. I have attached exhibits documenting the violations as follows : Exhibit A : Violation of 15 USC 1692 ( c ) ( a ) - Communication with Consumer I have proof that Radius Global Solutions LLC communicated with me in connection with the collection of a debt, which is a violation of 15 USC 1692 ( c ) ( a ).

Exhibit B : Violation of 15 USC 1692 ( b ) ( 2 ) - Communication with Third Parties I have evidence that Radius Global Solutions LLC communicated with third parties for the purpose of acquiring location information about me and stated that I owe a debt, which is a violation of 15 USC 1692 ( b ) ( 2 ).

Exhibit C : Violation of 15 USC 1692 ( b ) ( 5 ) - Use of Language or Symbol I have documentation showing that Radius Global Solutions LLC used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 USC 1692 ( b ) ( 5 ).

Exhibit D : Violation of 15 USC 1692 ( d ) ( 2 ) - Use of Obscene or Profane Language I have proof that Radius Global Solutions LLC used obscene or profane language in communications with me or language that abused or harassed me, which is a violation of 15 USC 1692 ( d ) ( 2 ).

Exhibit E : Violation of 15 U.S.C. 1692f ( 8 ) - Use of Language or Symbol I have documentation showing that Radius Global Solutions LLC used language or symbols on envelopes or in communications that indicate they are in the debt collection business, which is a violation of 15 U.S.C. 1692f ( 8 ).

These actions by Radius Global Solutions LLC are in clear violation of the FDCPA and my rights as a consumer. I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against Radius Global Solutions LLC. I also request that the Bureau impose a remedy of {$1000.00} per violation, as provided for under 15 USC 1692k, to compensate me for the harm caused by these violations. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely XXXX XXXX
Consumer complaint received 2023-10-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (RI)

In late XXXX early XXXX someone attempted to use my debit card at the XXXXXXXX XXXX in New Hampshire but due to lack of funds the transaction didnt process. I was told I could not report fraud by XXXX XXXX because no money had been taken. They issued me a new card with new account number. On XX/XX/XXXX my debit card was used for 2 transactions of the same amount {$64.00} within a matter of a couple hours by thrillophilia I did not make these purchases. After reviewing my dispute they decided there was no fraud and did not give me my money back. On both occasions I called within 24 hours to report the illegal activity. I had my new account for less than a month when the fraud had occurred the second time. I made multiple calls to the company to discuss and report the fraud.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act XXXX account # 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 a account witout my written instructions.
Consumer complaint received 2023-10-13
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Paypal Holdings, Inc (CA)

I have an account with PayPal, in XXXX I received an invoice from PayPal for {$1800.00} to XXXX XXXX. I hadn't paid them yet so I called the scammer and they said they received it and I remember it very clearly. paid. I called paypal to explain the situation and said I was owed PayPal. They told me they had paid XXXX. I did not accept it. Then I discovered that XXXX 's sales were scrammed and I reported it to them but they didn't listen and took me to the collection department and these people now blocked the transaction history which had a lot of fraud and scammed transactions, they forced me to pay. scream and then open it again. During this time, my entire bank account and email were hacked and I lost all my money, so I couldn't pay them back, but I asked to pay them and they didn't accept it and they took it more than 120 days past the deadline to report and promised to pay. They still don't accept all that money. I don't think they indirectly helped the bad guys. Now I don't know who to ask for help. Please help me.
Consumer complaint received 2024-03-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc. (VA)

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against my loan provider, Aidvantage, for their persistent failure to process my SAVE application, which was submitted in XXXX oXXXX XXXX  Despite the completion of the application process several times, Aidvantage has continued to demand payment from me every month, disregarding the outcome of the SAVE application, which determined that I am calculated to pay XXXX. 

This ongoing issue has caused significant financial stress and confusion, as I am being asked to make payments despite being deemed ineligible for repayment based on the SAVE assessment. Additionally, my attempts to contact Advantage have been fruitless, as they consistently fail to answer their phones, leaving me unable to resolve this matter through direct communication. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against Aidvantage for their negligent handling of my loan account and failure to adhere to the results of the SAVE application. I request that Aidvantage be held accountable for their actions and that measures be implemented to ensure that they fulfill their obligations to their customers in a timely and transparent manner. 

Thank you for your attention to this matter. I look forward to your prompt action and resolution of this issue. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP (ID)

When striving to qualify for a home loan, my lender conducted a credit score check, revealing a significant drop in my score attributed to a late fee from US Bank on my credit card account. Upon closer examination of my US Bank statements, I noticed that I had made three separate attempts to settle the card 's outstanding balance prior to incurring the late fees. These attempts were confirmed through my online statement, which displayed successful money transfers on each occasion.

I firmly believe that the responsibility for this issue does not lie with me, as my credit card statements distinctly illustrate my three efforts to clear the balance in full. Regrettably, my credit score has suffered due to this discrepancy, preventing me from progressing with my home loan application. My primary objective is to rectify this error, which I maintain is a result of US Bank 's oversight rather than my own. 

Please let me know if you would like further edits or if you have any specific points you'd like to emphasize.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im trying to get a car but no one can get my credit report to release. I had to quit my job because of transportation issues and not being able to afford ubering to work.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I recently disputed XXXX accounts and requested verification of inaccurate accounts reporting on my credit report that your bureau maintains XX/XX/ dispute was filled. I received a response stating that the accounts was verified and updated. I am formally requesting a description of the procedures your bureau used in providing all information to the original creditor in processing my dispute under FCRA 611 ( a ) ( 7 ). To be clear, per FCRA 611 ( a ) ( 2 ) ( b ) your agency is required to forward all relevant information to the original creditor to ensure a proper investigation of my dispute. I am requesting you provide me ALL information used for my investigation, as required by FCRA 611 ( a ) ( 7 ) XXXX XXXX XXXX Account # XXXX Per the FCRA you are required to provide this information within 15 days or delete these negative items from my credit report. Best regards, XXXX XXXX
Consumer complaint received 2024-03-14
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: Experian Information Solutions Inc. (FL)

credit inquiries on my credit report that i don't recognize, it wasn't authorized by me. 

XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

This is my fourth attempt to address the ongoing issue. Despite multiple requests, I have been consistently denied access to my personal credit report by EQUIFAX. They have refused to release any information regarding my credit history. Attached herewith are supporting documents, including a copy of the letter I sent to the credit bureau, along with copies of my personal identification.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: MECHANICS BANK (ID)

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 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 an account without my written instructions under 15 USCS 1666 b, a creditor may not treat a payment on an account under an open end consumer plan as late for any purpose
Consumer complaint received 2023-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

This is my 4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 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 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
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Financial Assistance Inc (NC)

Please help me get a proper solution to this frivolous account that is continuously being removed and added back to my credit reports. I have made several attempts to dispute this debt via handwritten letters sent via certified mailed to the data Furnisher FINANCIAL ASSISTANCE INC AS I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; IT IS FRAUDULENT AND MUST BE REMOVED IMMEDIATELY and have not received a response or verification that this debt belongs to me. I have retained all documents of my actions thus far for proof and documentation. I believe this is a direct violation of my rights as a consumer per the XXXX  FCRA. to deny my right to receive valid verification that this account belongs to me. I have previously disputed this account and have successfully been able to remove the account however it is just sold to another furnisher, or the current furnisher changes the name and updates or adds this account back to my credit file with no explanation on an erroneous, alleged collections information. FINANCIAL ASSISTANCE INC has never proved this debt belongs to me legally. In addition, FINANCIAL ASSISTANCE INC shouldnt be allowed to continue reporting this frivolous debt and the credit Bureaus are failing to properly investigate the information being reported. This fight or battle to fix my credit so that only accurate information is being reported has caused me mental and physical health issues and restraints. I am reaching out as a final result before seeking other solutions. This information needs to be removed from my credit files because it can not be verified and continues to report and update inaccuracies on the credit file.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

To Whom It May Concern, I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the handling of a recent issue with Chime, a banking institution. The situation involves Chime 's failure to provide clear information about a rejected check, their refusal to release the remaining checks, and their lack of proper customer service assistance. 

The sequence of events is as follows : Rejection of a Check : I deposited multiple checks into my Chime account, which were issued by the State of California as back pay from XXXX. Among these checks, XXXX was inexplicably rejected. 

Lack of Transparency : Despite repeated attempts to seek clarification, Chime has not provided any clear information about why XXXX of the checks was rejected. This lack of transparency has left me in a state of confusion and concern. 

Refusal to Release Remaining Funds : Additionally, Chime has failed to release the remaining checks for deposit. As a result, a significant sum of my funds remains inaccessible. 

Inadequate Customer Service : Chime 's customer service, specifically the lack of telephone support and the insistence on communicating only via email, has hindered the resolution of this matter. The lack of direct communication has exacerbated my frustration and made it exceedingly difficult to address the issue effectively. 

I firmly believe that, as a banking institution entrusted with the financial well-being of its customers, Chime has a responsibility to provide transparent, efficient, and reliable services. The failure to do so in this instance not only places my financial security at risk but also raises concerns about Chime 's overall commitment to customer satisfaction. 

I have attempted to resolve this matter directly with Chime, as any responsible customer would, but the lack of proper communication and failure to address my concerns leaves me with no alternative but to seek assistance from the CFPB. 

I kindly request that the CFPB investigates this matter thoroughly and intervenes to ensure that Chime provides clear information about the rejected check, releases the remaining funds, and improves its customer service standards to better serve its customers. 

I appreciate your attention to this complaint and trust that the CFPB will take appropriate actions to address this issue and prevent similar situations in the future. 

Thank you for your prompt consideration.
Consumer complaint received 2023-06-01
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC (FL)

I had XXXX at a local hospital that VA had approved. My XXXX was left open for XXXX to drain. I was at a XXXX hospital to care for my XXXX  which I wasn't getting the care for my XXXX. When I stared XXXX from my XXXX I requested an ambulance to take me to the XXXX hospital. Now the ambulance is trying to make me pay for it. I am 100 % XXXX veteran and the VA is suppose to pay for it.
Consumer complaint received 2017-08-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (VA)

During XX/XX/XXXX, Nationstar Mortgage advised me to let my mortgage payments fall behind 4 months so that they could help me with a modification. The home was purchased in XX/XX/XXXX and our mortgage was transferred 2 times before Nationstar became the company that serviced our mortgage. In XX/XX/XXXX, my husband was unable to work any longer due to a XXXX XXXX. We were forced to use Nationstar for a modification loan to keep our home. At that time we were advised to not make payments so that we would qualify for a modification. We chose to file bankruptcy chapter XXXX in XX/XX/XXXX but did not include our home. Nationstar would let our paperwork " expire '' and then tell us they were foreclosing and then we would submit mod paperwork again and the cycle continued for 2 years. We now have an outrageous house payment and they inflated our payoff saying that they had to add back the past due balance and to get our payment lower we had to go for 40 years. We have had nothing but trouble with this company and they make it almost impossible to refinance or sell without losing money. They take advantage of people especially if they are in a tough financial situation. Nationstar is a predatory loan company. We are now upside down in our loan and probably will never have any equity in it. Stay far, far away from Nationstar Mortgage. If that is your only option to purchase a home, then wait until you find another lender. They will ruin your credit and any chances to ever buy another home.
Consumer complaint received 2023-10-19
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. (FL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 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
Consumer complaint received 2024-03-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (OH)

I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Consumer complaint received 2023-04-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have requested my credit report and have found some improper information on my credit report. There have been multiple accounts that have been opened without my consent and knowledge. Unfortunately I am a victim of identity theft and my information have been exposed on a data breach and I am in the process of repairing my profile and getting back on tract financially. This was discovered XX/XX/2023