davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Conduent Incorporated (OK)

On XXXX XXXX dated XXXX, I received a notice via USPS dated XX/XX/2021 that a I had an issue with an electronic transfer which additionally indicated there was an error requiring me to respond to the notice. This notice also indicated that there were several other issues. 

I received s similar notice in late XXXX which I made a response via USPS that I had no affiliation nor type of credit identified in the notice. I attempted to contact via phone number provided ; proceeding further required me to input Names, SSN and Date of Birth. An attempt to contact via website required me to establish an account. Both methods have the appearance of some institution/individual ( s  ) attempting to collect personal information that may be inappropriately used on behalf of the consumer. That response went unanswered. 

I have do not do nor have this type of credit! 

Thank you for the courtesy of your immediate reply!
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2023-12-15
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: Atlanticus Services Corporation (SC)

XX/XX/2023 Aspire Credit Card PRE-ARBITRATION SETTLEMENT DEMAND To whom It may concern : PLEASE ACCEPT THIS LETTER AS NOTICE THAT YOU ARE IN VIOLATION OF THE ARBITRATION AGREEMENT SECTION OF THE CONTRACT BY SELLING THE ACCOUNT TO THE THIRD-PARTY DEBT COLLECTOR, IN PERTINENT PART ANY BECAUSE OF THE BINDING AGREEMENT. NO ARBITRATION PROCEEDINGS HAVE COMMENCED THEREBY RESULTING IN A MATERIAL BREACH OF THE TERMS OF THE ARBITRATION AGREEMENT. 



I WISH TO SETTLE MATTER QUICKLY ON THE TERMS THAT YOU GET THE DEBT COLLECTOR TO DELETE THE INFORMATION FROM MY CREDIT REPORTS BECAUSE OF THE ILLEGAL ACTS. 

Also I wish to be compensated in the amount of {$2500.00} for Damages.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: NAVY FEDERAL CREDIT UNION (MD)

I am writing to file a complaint against XXXX XXXX XXXX and Navy Federal Credit Union for violations of the Fair Debt Collection Practices Act ( FDCPA ). I believe that both entities have breached my cease and desist order and have engaged in deceptive and misleading practices in their attempts to collect a debt from me. 

I sent a cease and desist letter to XXXX XXXX XXXX and Navy Federal Credit Union, explicitly instructing them to cease all communications with me regarding the alleged debt. Despite this clear directive, both entities have continued to contact me in an attempt to collect the debt, thereby violating my rights under the FDCPA. 

Furthermore, XXXX XXXX XXXX has falsely represented itself as a law firm or attorney in their debt collection communications with me. While I understand that XXXX XXXX XXXX may be a BAR-approved law firm, when engaging in debt collection activities, they are held to the same standards as any other debt collector under the FDCPA. Implying that communications are from an attorney or a law firm is misleading and deceptive, especially when they are attempting to collect a debt. 

In addition to XXXX XXXX XXXX violating my cease and desist order and falsely representing themselves as attorneys, Navy Federal Credit Union has also reported negative information about me to consumer reporting agencies, damaging my right to privacy and my reputation. 

I want to reiterate that I do not believe I owe the alleged debt, and I have refused to pay based on my rights as a consumer under the FDCPA. Despite this, XXXX XXXX XXXX and Navy Federal Credit Union have ignored my requests and have continued to harass me in their attempts to collect the debt. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against XXXX XXXX XXXX and Navy Federal Credit Union for their violations of the FDCPA. I also request that any negative information reported about me be removed from my consumer report.
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: Experian Information Solutions Inc. (MO)

For the Credit Reporting Agencies continued violation of the FCRA and these specific codes. 15 U.S. Code 1681 ( a ) ( 4 ) ; For the Credit Reporting Agencies continued violation of the FCRA and these specific codes, 15 U.S. Code 1681 ( a ) ( 4 ) ; 15 U.S. Code 1681 ( a ) ( 2 ) ; 15 U.S. Code 1666b.

Legal Demand and Notice as it pertains to the FCRA as a federally protected consumer. For continued failure to act in good faith. As private for-profit companies that collect data on the credit history of people to then sell to the commercial and financial enterprises that extend credit. See 12 U.S. Code 1431 ( a ) I am now opting out ( rescinding ) of any and all Authorization, I the consumer may have given you ; written and unwritten, verbal and nonverbal per Gramm-Leach-Bliley Act of 1999 and 15 U.S. Code 6802.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (GA)

I reserved hotel accommodations from XXXX for XX/XX/2023 through XX/XX/2023. And also purchased insurance to protect my reservation in case I needed to cancel, because my wife was/is currently ill and under physicians care. Once I received confirmation of the reservation I noticed the dates were incorrect and contacted XXXX immediately to correct the dates ; I spoke to several managers, and one manager stated that there should not have been an issue getting it changed or cancelled. We tried to call the property owner to ask them to fix the reservation ; as we could see that there was availability at a lower rate. We were more concerned with the dates than the lower rate. The property owner explained he would change the dates if we paid him {$110.00}. We reached back out to XXXX and they could not understand why, we explained we wanted to cancel the reservation and just stay at another property. After being told that we could without penalty ; then that was an issue. We then went to the bank with all the email transactions and managers names we spoke to and disputed the transaction. We received our funds and went on our trip. Days later chase took the funds back out of my account. I went into the branch to talk to an officer and again show them all the information I had, the officer sent it to someone in their back office and stated that the case would have to be reopened and viewed. I again reiterated that we did not stay at the property; received notification that the funds had been taken back from XXXX and the reservation was going to be canceled. The bank seemed unconcerned and denied my claim again. I paid for a service that I did not receive and the bank refused to look into it and return my funds
Consumer complaint received 2017-08-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (SC)

IN XX/XX/XXXX I notified Nationstar of an error in applying payments and they acknowledge the error - They further accknowledge the need to correct and reset my mortgage - I have been assisted by an excellent member ( XXXX XXXX ) - however XXXX XXXX has been promoted and the correction is pending 5 months later and as of today - still unresolved. 

XXXX XXXX have confirmed in writing - ( 1 ) I have been wrongly been reported as in foreclosure, ( 2 ) I have wrongly been accessed legal fees, ( 3 ) I have wrongly lost my fixed price interest rate and defaulted to a adjustable rate, ( 4 ) I have wrongly been accessed Admin fees in excess of {$500.00} per month for more than a year ... .. ( 5 ) my credit report has been impacted by these errors for more than 8 months - Nationstar/XXXX XXXX has tried repeatedly, but after 5 billing cycles has been unable to resolve, reset and fix these HUGE errors - that Nationstar admits are completely their admin errors. 

XXXX XXXX is a wonderful man and has been a blessing - however he is not being supported by Nationstars processes to correct these error
Consumer complaint received 2024-03-16
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)

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: COMMERCE BANK (KS)

RE : Notice of unauthorized use of my debit card for purchase of a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order number XXXX. 
US {$1300.00} Total {$1400.00} I was the victim of identity theft when my XXXX and XXXX accounts were hacked XX/XX/XXXX. I did not authorize this transaction on or after this date, and I did not authorize anyone else to use my debit card in any way. The above item was sent to an address that is not mine nor was it added by me. 
-XXXX XXXX  order was shipped by XXXX XXXXXXXX on XXXX XXXX XXXX at the XXXX address and delivered on XX/XX/XXXX. It was signed for by a resident there named, XXXX XXXX. A person unknown to me. 
I have followed all required protocols regarding handling disputes and claims and received no satisfaction from XXXX, XXXX or the sellers. My bank, Commerce Bank states they are not liable for the damages I have suffered since I bought another item on XXXX that same day and thus, I must have authorized the withdraw of {$1400.00}. XXXX from my bank account which caused an overdraft. Commerce Bank alleges that since the thief went through XXXX that it is not fraud. He hacked my account, used my name to ship and paid with my bank account. How is that not fraud? 

Commerce Bank has ignored all requests for a refund. Their entire " investigation '' consists of reading my bank statement and seeing that I made a XXXX purchase to buy a shirt that day. 

I have spent months trying to remedy this situation since I am on XXXX and can not afford this loss. XXXX, XXXX and the company, XXXX all claim that the bank is liable.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

My son enrolled at XXXX. XXXX conn. Financial aid applied my sons name to the " student loan " portion of the loan at the cost of approximately 20,000.00 $ Financial department then applied my name, ( mom ) to what they called co- signer on " parent plus '' loan for balance of tuition, at the cost of approximately 38 -? Thousand dollars. Through the course of the next 18 months we had to reapply 3-4 times?? Very confusing. All parent and students had to do this. My son graduated and entire loan in a lump sum is in my name only? XXXX $ a month? My son could not afford that amount on his entry level salary of XXXX an hour. My son just passed away XX/XX/2017. I would like to know what legal options I have?
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

XXXX / XXXX / {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2023-12-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (GA)

I have a business that bank with Truist bank. Unfortunately, there was an incident where my check was stolen from the mail and was washed. As of result, XXXX XXXX XXXX XXXX XXXX dollars ( {$4900.00} ) was taken out WITHOUT my authorization to an UNAUTHORIZED personal. Ive been waiting for over 2 months but I still have not received the money back. The business name is XXXX XXXX XXXX XXXXXXXX. This is a business checking account with Truist Bank. Truist bank did responded stating that they are trying to retrieve the money from the financial institution that deposited the money. I notified Truist of the fraud within 10 days of receiving my bank statements. Please help me retrieve the funds. I should not be held liable for an unauthorized transaction.
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: Ideal Collection Services, Inc. (NY)

I demand that the collection agency Ideal Collection service immediately stop reporting to the credit bureaus on a completely fraudulent debt. I am attaching the FTC report. The company can prove that the debt belongs to me only by the fact that they know my name and date of birth, they do not have any other supporting information, as well as my signature on the contract does not match my signature. I have never lived in Florida.
Consumer complaint received 2023-12-15
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Restricted account with no reason Capital One credit card. They requested statement from my linked account. I did send it but there some problems. Ok. I went to the brunch and they give me 2 docs, I send it to them. 3 week no phone call from them. I have call them, so they just closed the case and account remains restricted. Every thing ok for them. I know the answer from them like this is for security reasons and ect ... ..... 
Why am I writing this and feeling ashamed? XXXXXXXX XXXX
Consumer complaint received 2017-04-04
Product: Credit card — 
Issue: Privacy — 
Company: JPMORGAN CHASE & CO. (OH)

I was on the phone for 2 hours and 15 minutes with a Chase employee from their XXXX ( XXXX ) and their Fraud Dept. Chase gave XXXX points from our credit card to a criminal who called them. My husband and I have asked repeatedly to hear the phone call that was left by the criminal. We have also asked for XXXX boss or upper management to listen to the entire 2 hour 15 minute call to hear how XXXX provided " customer service ''. We need to know about preventive measures, since in the meantime, Chase has given us a replacement card, but we do n't want this to happen again. We ca n't just be given replacement cards every time this happens. We have about XXXX accounts this card is set up to and we have to now spend time disconnecting the old card and reconnecting the new card. More importantly, we want to know how this theft can be prevented. We have no idea what kinds of screening process/identification process is used when criminals call in and no one has told us. XXXX from the " executive office '' told us XX/XX/XXXX that she would get back to us on this but not a peep. I have written over 15 emails to Chase with ZERO response from Chase. I have called them yesterday and spoke to a XXXX on their 'executive line ' who said she would be talking to XXXX and her boss XXXX XXXX . She also told me someone named XXXX was assigned my case, but no one has called. I was not even assigned a case number. Is there one? I, a customer of over 30 years is constantly getting ignored. I called again today. This was a joke. We do not understand how a bank can just ignore their customers. We believe that the bank feels that just because they replaced the card, that they do n't need to do anything else. Chase is DISGUSTING and we need answers. They can not keep on ignoring us!
Consumer complaint received 2023-12-15
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Negative impact of inaccurate appraisal
Company: NAVY FEDERAL CREDIT UNION (CA)

In 2013, my wife and I, both with stable jobs, no debt, and substantial liquid assets, applied for a mortgage loan with Navy Federal Credit Union. Despite our strong financial standing, we were only approved for {$250000.00}, significantly less than our request of around {$400000.00}. This outcome was disheartening and shook our confidence as hardworking individuals. Our incomes were sufficient to afford a {$5000.00} monthly mortgage payment, which was evident from our pay stubs submitted to the bank. 

Frustrated, we began searching for homes in less desired neighborhoods, yet struggled to find suitable options within our approved loan amount. Many properties we encountered required extensive and costly repairs. Eventually, we stumbled upon a new development with homes priced around {$400000.00}. With some reluctance, we spoke to the property manager and learned that a {$5000.00} deposit was needed to reserve a lot for construction. I promptly paid the deposit and we applied for a loan for the house. 

To our surprise, we were approved for a loan exceeding {$400000.00}. We moved into this house and have been living there since. Interestingly, about nine months later, we refinanced our mortgage through Navy Federal Credit Union and were approved without issue.
Consumer complaint received 2023-03-28
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: Source Receivables Management LLC (IL)

I have been trying to get this Collection off my credit report for months. I have sent in 5 disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it.
Consumer complaint received 2023-12-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: OneMain Finance Corporation (NC)

After recently reviewing my credit report I see 2 inquiries reading XXXX XXXX and OneMain Financial. I never gave OneMain Financial and The XXXX XXXX company permission to run my credit and would like to remove them off my credit report immediately.
Consumer complaint received 2023-12-15
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: United PanAm Financial Corp. (TN)

According to the IRS laws, the tax consequences of Charge-Offs, the IRS may view outstanding debt forgiven or canceled by the lender as part of your taxable income. I'm showing proof that this company UNITED AUTO CREDIT CO # XXXX is reporting to my credit account as a charge-off. In addition to this, A charge-off is considered a certificate of indebtedness so its considered income and income is not reportable and should be removed effective immediately.
Consumer complaint received 2024-01-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: OPTUM BANK, INC. (AZ)

On XX/XX/XXXXXXXX  and XXXX my FSA debit card ( issued by Optum Bank for Optum Financial ) was used fraudulently at a pharmacy I regularly do business with. There were two debits for {$100.00} on each of the three days totaling. {$600.00}. I called Optum XX/XX/XXXX after noticing the debits and initially was told to contact the Pharmacy as they could reverse the transactions. When I went to the Pharmacy, they told me they would look into it then called me a few days later to inform me that they could not find the transactions. I then contacted Optum again to begin a formal investigation. The card was cancelled, and I was told I would receive a new card and also some paperwork that would need to be completed and signed but that they would begin looking into the fraudulent debits immediately. I received the new card and a a few weeks later an affidavit which I signed and returned by certified mail. Per the USPS tracking info ( Tracking Number XXXX ) was received at Optum 's XXXX, XXXX  offices on XXXX XXXX XXXX. Since then, I have been calling every two to three weeks trying to get the status of the investigation, but I keep getting the run around and was always told it can take up to 90 days. If the 90 days is calculated from when first reported that has passed some time ago. Since I did not have access to the stolen funds, I was unable to use the card for medical expenses as only {$550.00} of that {$600.00} will be carried over to XXXX. Their offshore call centers are unhelpful and refuse to escalate my calls to anyone in the fraud department or a supervisor. My employer only started using Optum for our XXXX accounts starting XX/XX/XXXXXXXX  and if this is how they handle issues I dread to think what may be ahead.