davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MO)

In XXXX I identified that XXXX and the FSA website had two different due dates for my student loans. I followed the issue and the due dates were changing daily. On XXXX I submitted a complaint to the FSA website, case # # XXXX that my due dates were changing. 

I also sent a message on XXXX that the due dates were still changing and it was even changing multiple times in a day. That continued for several days. Then I noticed that both XXXX and FSA had the same due date of XX/XX/XXXX. 

In reviewing my Federal student loan account XXXX  on the FSA website, I see that my date due for my next payment is XXXX. On XX/XX/XXXX, that payment due date was XXXX. Today, XX/XX/XXXX, that payment due date is XXXX. Less than XXXX weeks away. I am checking my loans every day for this very reason. I do not trust the information and I do not want any late payments to hit my credit report. What is happening that the data on these websites simply can not be trusted. These are huge loans, and it is unacceptable.
Consumer complaint received 2023-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 2024-01-18
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Self Financial Inc. (GA)

XX/XX/23 I received two emails stating, Carefully reviewing your customer profile, we have decided to cancel your XXXX XXXX  Account with XXXX XXXX XXXX XXXX XXXX Another one immediately after stating the account is closed and unable to verify unauthorized user. My payout is being withheld and I have no idea why any of this is happening.
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (TX)

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 did not give any written instructions to furnish my account, to these listed consumer report agencies mentioned ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I demand these accounts to be removed immediately from my consumer report file : Account names : PROCOLLECT , INC XXXX, 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.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I received notification from Experian my credit score decreased XXXX points due to delinquency. However there are no delinquencies on my credit report. I have written a demand letter to experian. I have discussed the information with the dispute customer services multiple times since XXXX and although they agree that there are no delinquencies they said they can not add back the points that were removed.
Consumer complaint received 2024-04-27
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. (TX)

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 XXXX XXXX Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 2023-04-25
Product: Credit card or prepaid 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: CAPITAL ONE FINANCIAL CORPORATION (CA)

On XX/XX/23 I tried to use my card for 4 purchases. All 4 were declined. I contacted the company several times throughout the day regarding these purchases. Now 2 of the charges are showing as posted on XX/XX/23. I spoke with 2 representatives who both admitted the charges were changed from declined to pending, then resulted in charges on my account. One is for XXXX and the other for XXXX. 

I ended up having to pay cash for 3 of 4 transactions on this day. My neighbor, sons, and husband were witnesses to these charges and declinations by Capital One. 

I attempted to contact them and was told that since I paid cash for both of the ones posted on my account that they would not refund these transactions.
Consumer complaint received 2024-03-26
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/2024 I endorsed a check from my employer to my Aunt ( XXXX XXXX ) a Chase Bank customer at the time. The check was deposited and placed on hold until XX/XX/XXXX at that time they said the funds would be available. On XX/XX/XXXX we were informed that the funds were not available and that a hold had been placed on the account. I have attempted several times to get my funds but they are requiring me to do a phone verification on a number thats no longer mine but its been attached to my consumer report so that is the number they are using to try to verify my identity. I have spoke with several managers and bankers but have yet to make much progress. This has been going for a month now and I would like to get this settled.
Consumer complaint received 2017-11-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (CO)

At the end of XX/XX/XXXX our mortgage was sold. It had been with XXXX XXXX and it was sold to something called Mr. Cooper. We have never been late on a payment in over 20 years. We are very close to being finished with our mortgage. We got XXXX information about how to pay our mortgage from Mr. Cooper. My husband called XXXX and was told there was a 60 day grace period. Then within a week or so this Mr. Cooper place started calling my husband at work telling him our payment was late. He did n't even have any information at that point on how to pay or who to pay. We finally got paperwork from them and he set up on an online account and paid the mortgage. He continued getting robocalls at work. He has been getting one to two calls per day from this company. Yesterday I called to confirm that they had indeed received the payment. After being forced to listen to a recorded message telling me that anything I said on the phone would be used against me, I talked to an agent who claimed they had received the payment. Today ( XX/XX/XXXX ) we received a letter saying we were overdue on our payment and that we owed them double the monthly payment. In addition somehow they appear to have added {$1000.00} to our escrow account which stands now at close to {$10000.00}. I am outraged by this treatment. We have never had any trouble with any mortgage provider until this Mr. Cooper thing happened. We are about to just pay off the rest of the mortgage so we never have to deal with Mr. Cooper again. I wanted to write this complaint in case other responsible customers are getting these harassing calls and letters from this company. I think they need to be investigated for their practices. Are they even within their legal rights to call my husband every day at work harassing him for a payment that we have already made? How long once a mortgage is sold do consumers have to make a next payment to the new servicer?
Consumer complaint received 2024-06-13
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. (FL)

Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 
The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 
I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.
Consumer complaint received 2024-04-27
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. (TX)

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 XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX 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 2024-04-27
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. (TX)

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 2024-03-28
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (FL)

Payment sent to TD Bank lockbox by my bill payment provider XXXX  XXXX XXXX on XX/XX/year> As of XXXX TD Bank had still NOT posted payment. My bank STOPPED PAYMENT on the check as it is obvious they have payment and have not posted. TD Bank does NOT respond to electronic inquiries. Sent email to customer service and response came back as follows : XXXX XXXX RESPONDED This inbox is not monitored. 

Thank you for contacting Customer Service. For faster service, you can access your account and review FAQs at XXXX XXXX XXXX If you still have questions, you can contact us by logging into your account and going to the " Help Center '' and selecting " Make an Inquiry ''. If you wish to speak with us directly, our representatives are available at XXXX to assist. 

This bank has major lockbox issues and needs CFPB intervention asap.
Consumer complaint received 2024-04-27
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. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. It reported one late payment on an account that was in fact paid on time. According to 15 U.S. Code 1681 e ( b ), by law, whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The XXXX XXXX XXXX account is reporting late in XX/XX/year>. This account has not been late on payments. I've attached a copy of my report to this complaint. I'm now requesting that you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified, I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (OK)

XX/XX/XXXX I filed a dispute over the phone and over the phone I told the agent that I did not have my card, but she put I did have my card and I got denied funds. I got a letter thru paperless on mobile banking, so I called again XX/XX/XXXX and filed the same dispute and while over the phone I specifically said I did not have the card. Agent heard me this time and he said, ur dudipite will be under review and if you don't hear nothing back from us in XXXX  days then you will be given credit. 

So I waited the XXXX  days and I didn't receive nothing, so I called back asking where my credit is like XXXX times the days after the XXXX  days came up and they all said they will put a note on my account, a note to let the investors know. So a week pass I called again and another representative told me that it was only supposed to be XXXX  days and he said same thing about the note... so I waited still nothing. And now they just closed my account. It was over XXXX I lost.
Consumer complaint received 2024-03-26
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Eastpoint Recovery Group, Inc (NJ)

Getting XXXX emails about trying to negotiate the bill. Advised them I was out on XXXX and was not getting much in income wise from XXXX. That I would contact them when I could about setting up a payment plan. 

Threatend to automatically garnish wages in the first call if I didn't put down an exuberant amount of money. Settled on the second call for about {$XXXX} even though I didn't really have that much to " keep it in hardship. '' I felt backed into a corner because I told them in the initial call I couldn't do a whole lot. 

I wish I had ALL of the emails but did not realize they were coming in daily until XXXX and started saving them from that point on.
Consumer complaint received 2023-11-01
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: Chime Financial Inc (GA)

XX/XX/2023 XXXX took money and I didnt authorize removed my card from the acct informed XXXX XXXX filed bank and those debts were included yet they still took money from me
Consumer complaint received 2024-04-27
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. (GA)

I recently reviewed my credit report and noticed an account that was not reporting accurately. It reported one late payment on an account that was in fact paid on time. According to 15 U.S. Code 1681 e ( b ), by law, whenever a consumer reporting agency prepares a consumer report, it should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The XXXX XXXX XXXX account is reporting late in XX/XX/year>. This account has not been late on payments. I've attached a copy of my report to this complaint. I'm now requesting that you investigate and provide verifiable proof with records showing that I had a late payment. If this information can not be verified, I demand this payment be updated to paid on time immediately. Thank you for your understanding and prompt action.
Consumer complaint received 2024-02-23
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldridge Pite, LLP (GA)

I am writing to file a formal complaint against several entities involved in the collection and servicing of my mortgage debt, alleging numerous violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ). 

FDCPA Violations : Debt Validation : Despite repeated requests for debt validation on [ Dates ], I have not received the required information from Aldridge Pite, raising concerns about legitimacy and potential fraud.

Multiple Debt Collectors : Aldridge Pite claims to collect the same debt on behalf of two different companies, causing confusion and potentially violating FDCPA. 
Mishandled Debt Transfer : XXXXXXXX XXXX transferred my account to XXXX without providing proper information, violating FDCPA. 
Misrepresentation and Confusion : Aldridge Pite repeatedly misrepresented their affiliation with multiple entities, further muddying the situation. 
Ignored Dispute : Despite timely debt validation requests, Aldridge Pite continues foreclosure proceedings, disregarding my rights. 

TILA Violations : Missing Disclosure Forms : XXXX failed to provide required TILA forms ( H8 and H9 ) regarding my right of rescission at loan closing. 
Ignored Rescission Notice : My exercise of TILA-based rescission and demand for property release went unheeded, with Aldridge Pite continuing foreclosure. 

I urge the CFPB to investigate these illegal and predatory practices and take appropriate action against the involved parties.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (MD)

On XX/XX/XXXX I wrote to the 3 credit reporting agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX. XXXX Regarding these two collections items added to my credit report illegally : XXXX. XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX- {$2900.00} I requested that they provide me proof and validation that this debt is mine. They are required by law to supply information to validate that this debt exists between myself, and the agencies noted above. 
These collection items are in violation of the 15 USC 1681b, Permissible Purposes. 
They didn't validate this debt, so they are required to remove it from my credit report immediately.
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

This is a follow up to the original inquiry and complaint filed with LVNV Funding for the two debts in collections one in the amount of {$1900.00} and another one in the amount of {$1700.00}. 
I have reviewed all the information sent to me and stand by my original claim that these two accounts are part of identity theft as I currently do not own or use any credit cards in my name other than a bank debit card and fuel cards. 
I see the statements reflect my mailing address and again I never received any correspondence to my home mailing address during this entire time these debts were accrued. 
I have enclosed in this follow up my official FTC identity theft report from the Federal Trade Commission which has been filed and that should be sufficient to prove my claim. 
Law enforcement agencies will now be made aware of this and no more collection attempts should continue as I have gone through all the proper channels to report this fraudulent activity. 

XXXX XXXX XXXX
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

On XX/XX/XXXX I wrote to the 3 credit reporting agencies Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Regarding these two collections items added to my credit report illegally : XXXX. XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX- {$2900.00} I requested that they provide me proof and validation that this debt is mine. They are required by law to supply information to validate that this debt exists between myself, and the agencies noted above. 
These collection items are in violation of the 15 USC 1681b, Permissible Purposes. 
They didn't validate this debt, so they are required to remove it from my credit report immediately.