davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Absolute Resolutions Corp. (PA)

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ABSOLUTE RESOLUTIONS I is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ABSOLUTE RESOLUTIONS I the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX ABSOLUTE RESOLUTIONS I whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure ABSOLUTE RESOLUTIONS I never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. ''
Consumer complaint received 2024-01-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Indie Technology DBA Found (WI)

on XX/XX/XXXX at XXXX XXXX  My institution which is Found Debit Card allowed three debits for {$100.00}. Only one should have been Debited. XXXX XXXX XXXX XXXX additional times and told me that it was a glitch in the system. I contacted my debit card customer service as well as XXXX XXXX XXXX card letting them know about this error on their part. Found provided me provisional credits in the amount of {$210.00}. 

Today Found took {$100.00} from my account. I contacted and asked for and explanation. Found told me in an email today XX/XX/XXXX " Unfortunately, your dispute case was not decided in your favor and provisional credits provided in your account has been removed. I sincerely apologize for the inconvenience. Email from XXXX '' This is stealing from me and totally unacceptable. Please help or direct me to the parties that can get this resolved. They have proof that XXXX XXXX XXXX a mistake and XXXX XXXX  clearly admitted the mistake.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (IL)

XX/XX/XXXX sent disputes letter asking to prove that I owed this debt. 

XX/XX/XXXX Sent method of verification, still no response. 

XX/XX/XXXX Sent final notice to prove that I owed this debt or gave consent. 

XX/XX/XXXX Sent letter stating that I will file complaint if I don't receive a response.
Consumer complaint received 2023-05-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc (CA)

On XX/XX/XXXX at XXXX CHIME which is banked by XXXX XXXXXXXX XXXX  XXXX Allowed someone to access to my account and take {$6800.00} from my account by linking another account to mines which was XXXX XXXX XXXXXXXX ( MI ) I have giving them all the information I have which included the ending of that account number screenshots and police report and filed a dispute. On XX/XX/XXXX they denied my dispute with no reason to inform me. I have called and called and no one has sent over anything nor has tried to help me figure out where my money has went. CHIME is giving me the run around and I would really like for someone to help me receive my money
Consumer complaint received 2024-07-25
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NC)

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX of XXXX. As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. Because of the numerous claims of fraud and misconduct perpetrated by The XXXX XXXX, the XXXX XXXX has just announced a blanket discharge for anyone enrolled at The Art Institutes from XX/XX/XXXX to XX/XX/XXXX. My Federal loans in the amount of approximately {$50000.00} were XXXX and my credit slightly repaired. I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were XXXX " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " for profit online schools '', but loans made to students in states outside of the agreement, or those who were not in default for XXXX months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. After the XXXX settlement, didn't Navient also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the XXXX student loan borrowers for not informing students of XXXX XXXX XXXX could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? I am also aware of a XXXX XXXX XXXX program by which Navient is sending out " applications '' to select students who may have filed XXXX XXXX claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with online for-profit schools. XXXX is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW! Link to Senator Warrens Letter : https : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX
Consumer complaint received 2024-01-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

I applied for the XXXX XXXX XXXX on XX/XX/XXXX. After attempting to contact Nelnet several times during the processing period, I never heard back from my emails and the hold times on the phone were over XXXX hours. I finally received a letter in my Nelnet inbox stating that my application had been processed on XX/XX/XXXX and that my payments would begin on XX/XX/XXXX at XXXX XXXX. In XXXX, I emailed Nelnet, again, because my account now showed my status as " IDR PROC ADMIN '' which I was unsure what this meant. Since I had never gotten a response to my previous emails, I also tried calling. I was finally able to get through to someone and was told that this status was due to the fact that I hadn't yet made a payment under the SAVE plan. I was also told it would change once my first payment was due and that my payments would now begin on XX/XX/XXXX. This was very frustrating, as it had already been months of waiting for my application to process and the payments were supposed to begin on XX/XX/XXXX. Now, I would be gaining yet another month of accrued interest that I would not have gained if I could have made my payment with the SAVE plan on XX/XX/XXXX. I asked for confirmation that the XX/XX/XXXX due date would not change and that I would finally be able to make a payment under the SAVE plan on XX/XX/XXXX. I also confirmed that everything on my account looked good and that I was all set to begin the SAVE plan payments on that date. I was told yes. A few days later, I received an email response about this issue as well. In this email I was told that my payments would start on XX/XX/XXXX, the same as what the person on the phone had told me. Today, I logged back into my account to get the payment set up for XX/XX/XXXX and now my account states that the due date is not until XX/XX/XXXX. I am extremely frustrated with Nelnet. I was never told about this due date changing, yet again, and am very confused why the date continues to get pushed back. Now, I will gain another month of interest on my loans. I now owe hundreds of dollars that I would not have owed if I could have made the payments when I was originally told on XX/XX/XXXX. I was able to contact them today and they said there was nothing they could do. They promised, again, that the date would not move and that I would make my payment on XX/XX/XXXX. I do not believe anything they say at this point. They have now told me this XXXX separate times and each time, the date has changed, leaving me with extra expenses. Nelnet has been extremely difficult to reach and talk to about this issue, taking hours of my time just to get an answer that doesn't even stay true. I want my account to be credited for the extra interest I have accrued due to these pushbacks. I was never contacted about any of these dates changing which is unacceptable. This entire situation is unprofessional and has cost me hundreds of dollars.
Consumer complaint received 2024-01-25
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: TD BANK US HOLDING COMPANY (CA)

On XXXX XXXX I noticed my credit score had declined drastically. I checked all XXXX companies : XXXX, XXXX, and XXXX. XXXX showed a {$170.00} purchase on a Nordstrom card. I contacted Nordstrom customer service. The person I spoke to said that the credit card and the bills were returned due to the wrong address on there but they never updated their system. I called back the next day explained that I only wanted the XXXX dollar discount on my XXXX dollar purchase and told the cashier that I wanted to use my card to pay. Without my knowledge he put XXXX of the items on the Nordstrom credit card. I never realized that he had put XXXX item on there or I would have paid for it. As a general rule I pay off my XXXX credit cards in full every month. I paid the XXXX in full and asked Nordstrom CS to do the right thing by taking responsibility for their mistake and restore my credit score by contacting XXXX. The woman I spoke to said they dont do that. I called XXXX and filed a complaint but would very much appreciate your help with Nordstrom credit department not ruining my credit score.
Consumer complaint received 2024-01-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: V and H Portfolio (TN)

VANCE & HUFFMAN reporting that an account in collection on my credit report stating that I a debt in the amount of {$590.00}, dated XX/XX/2023. Sent company a letter opting out of reporting on XXXX
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

It is of utmost importance to recognize that I did not give permission for these accounts, and their existence is causing me significant distress. I respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2024-07-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CAPITAL ONE FINANCIAL CORPORATION (HI)

I had a Capital One 360 checking account ( XXXX ). I had made purchases with my debit card associated with that account that I did not receive, canceled, and returned to my local sunglass store. I had contacted the payment protection department of my bank as I had used XXXXXXXX XXXX and XXXX  as XXXX party payors for my items. When I contacted the merchants ( XXXX, XXXX XXXX, XXXX ) to advise that I was canceling my orders ( XXXX order, I never received nor received tracking information ), XXXX confirmed with me that my orders was canceled and that they would contact XXXX and XXXX  to arrange refunds of my payments back to my checking account. I contacted XXXX to advise that I returned the wallet that I had ordered and they told me that they would refund XXXX, who would then refund me for my payments. This did not occur. For XXXX XXXX, I actually returned the sunglasses to my local store and they refunded my acccordingly. I contacted my bank and they gave me provisional credits on my account while their back office did their " investigating. '' I was advised that it would take a few weeks. 

I received emails from Capital One 360 that " due to their internal investigation and policies '' that they were going to reopen my closed checking account and reverse out all of the credits and interest that they originally credited me. I contacted their offices numerous times based on emails requesting information that I had already provided several times and was assured for a supervisor that I was in the right and " not to worry '' Needless to say, I now have a negative balance of over {$610.00} and change and none of the merchandise that I had originally bought as I either canceled the orders and supplied email conversations with the merchant confirming the cancelation and also the original postage receipt of sending back my watch as it did not fit me correctly. 

I repeatedly told the payment protection representative that their back office had to contact the XXXX party payer to get their refunds, but they refused, they want me to pay it back instead. i will NOT pay for merchandise that I do not have. I have done my due dillegence in getting them the confirmation of conversations with the merchants and with the XXXX party payers. The way that my cases were handled were incompetent at best. I shouldn't have to take time out of my workday to contact the bank and defend myself. I want this negative balance taken off of my account and my account closed as it had be closed due to being compromised by fraud.
Consumer complaint received 2024-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Selene Holdings LLC (CA)

After having Detected Additional Problems with the Contract, the NOTE and Accounting, I re-opened the Administrative Process and launched a Forensic Audit. And I am currently in the middle of this multi-step Administrative Process and doing Due Diligence and expects this process to take an additional XXXX months before a resolution can be reached. 

During the initial-step of this multi-step process the Mortgage Servicer SELENE FINANCE LP and their Principal XXXXXXXX XXXX were asked to supply me with a copy of the accrual XXXX  Accounting including debit and credit accounts, [ assets and liabilities ] and all off-balance sheet liabilities and income accounts and the accounting from XXXX  per XXXX XXXXXXXX, and all other related documents as per the XXXX XXXX  Notice I sent to them. They received this by certified mail on XX/XX/year> and I received a response back from them, dated XX/XX/year> acknowledging the receipt of it and that they will respond to it in compliance with Federal and State law. Therefore, I am awaiting for the requested documents from them before moving forward with the next step of the Forensic Audit Process. 



However, their XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has scheduled to foreclose on my home on XX/XX/year> in violation of FDCPA. I have provided XXXX XXXX  with a copy of the Forensic Audit Notice as well as SELENE FINANCE LP 's acknowledgement and their intent to provide me with the requested documents. 

I faxed, e-mailed and called SELENE FINANCE in an effort to put a stop the sale of my home. I also asked to be transfer me to their legal department because the customer service was unable to answer my questions. I asked for the Registered Agent 's Contact Details so that I can if need to serve legal documents for which Customer Service Person was unable to answer me at the same time told me he couldn't transfer me to their legal department. 

I intend to take court action if they do not suspend the sale. However, I don't want to waste the court 's time and resources and my time and energy as I have already wasted a lot trying to get information from SELENE FINANCE. Therefore, I am reaching out to you first.
Consumer complaint received 2024-01-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (NY)

I've recently scrutinized my credit report and identified discrepancies in the reporting of certain accounts, revealing inaccuracies that raise concerns. It has come to my attention that these discrepancies compromise the accuracy of my credit profile. In accordance with the provisions outlined in the Fair Credit Reporting Act ( FCRA ), it is clearly stipulated that any accounts featuring inaccuracies on my credit report should be rectified and removed promptly. As a vigilant consumer who understands the rights and protections afforded by the FCRA, I am seeking immediate action to address these discrepancies and ensure the integrity of my credit information. I believe that accurate reporting is crucial for maintaining a fair and transparent credit history XXXX XXXX XXXX : {$1000.00} XXXX XXXX XXXX : {$2900.00} XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}