davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Abrahamsen Gindin LLC (NY)

XXXX XXXX, XXXX XXXX Forster & Garbus , LLP representing XXXX XXXX, XXXX started collections within the past XXXX years. They called so aggressively, I blocked several numbers after explaining I had no idea what they were talking about. They claimed to represent XXXX XXXX, which I have XXXX current cards with. 
I was sent a legal notice early last year and requesting verification of the debt which I never received. Approximately XXXX month ago, I received a notice of trial in the mail. 
I have noticed in the credit report that they are reporting late payments monthly which is affecting my credit score.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Upgrade, Inc. (AL)

On XX/XX/2024 my credit card was stolen and fraudulently used. There were charges in the amount of {$630.00}, two charges for {$2.00}, {$15.00}, {$6.00}, and {$320.00}. I never made any of these charges nor did anyone on my behalf and the company Upgrade was made aware of that. I got the card at the beginning of XXXX and then made two charges for {$10.00} and {$3.00} on XX/XX/2024 and after that never used the card again. Then XXXX weeks after the card was maxed out. That makes no sense to say I did it. I also had to go get a police report done, pay for the report and provide and they still denied to claim and were rude to me. Federal Law requires consumers not be liable for more than {$50.00} in charges that result from lost or stolen card information. This means that credit card holders are not responsible for unauthorized purchases. I informed them of this several times and called immediately when I noticed it. Yet that denied and brushed me off like I was nothing. Stating do what you want with your account but you will pay. This is illegal and awful service provided and wish I had never become affiliated with them. I want the fraud charges adjusted rightfully so. I do not care to have my attorney file claim but will if necessary and also go to any presses. Its the principle and handling which has been disgusting and illegal.
Consumer complaint received 2023-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

On XX/XX/2023, I called Nelnet to request my student loan that I paid during Covid to be repaid back to me. Nelnet said they put in a request for my refund. On XX/XX/2023, I called back and was told no request had been submitted on my request, so Nelnet would submitted the first request for me. 
Now XX/XX/2023, almost 2 months after my request, no refund has been issued to me. I contacted Nelnet and was given a run around saying " we are working on it " Filed my first complaint with Consumer Financial Bureau Protection. The company responded " contact customer directly ''. However, their response letter was very vague, repeated the same thing " we are still working on it ''.
Consumer complaint received 2024-05-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Affirm Holdings, Inc (MI)

Affirm had added to amounts to my credit. One for {$91.00} and the other {$73.00}. These debts have been paid in full. I informed them to do a good will deletion and they did not. XXXX did not agree with my dispute and declined it. This is not right and I did not authorize for this to be added to my credit. These negative accounts need to be removed. According to FRCA section 605B. It is illegal to report information on my credit report without my permission. Please remove this from my credit report.
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (LA)

Call to get the debt validated Collection company would not mail or email mail anything would not give me my account number XX/XX/2018 Reporting to my credit {$3100.00} does not have a contract with my signature. Company put a note on my account stating that this is my debt and i just do not want to pay Original Creditor : XXXX XXXX Second Creditor : Security Credit Services
Consumer complaint received 2023-09-02
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: WELLS FARGO & COMPANY (GA)

I had a conventional loan with Wells Fargo back in XXXX. I tried refinancing the load with them in XXXX. The refinance was denied and my home was short-saled. I was denied by Wells Fargo when I should have been able to refinance and keep my home. Wells Fargo preyed upon me, fraudulently denied my refi and I lost my home.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (PA)

I got into a car accident in XXXX of 2023 and had filed an insurance claim. I had notified Exeter of the accident and the claim, however they reported that I was late for 3 months then they charged off the account. This is false. I sent them a notice to fix this issue but they did not fix the error they made on my report. I am filing this complaint as I want this issue to be resolved immediately as dictated by section 623 of the FCRA. Please see attached.
Consumer complaint received 2023-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from 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
Consumer complaint received 2024-05-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NY)

It has come to my attention that Chase and XXXX XXXX are in violation of 12 CFR 1005/Regulation E/Electronic Funds Transfers Act. On XXXX XXXX, an unauthorized purchase for {$380.00} was made with my Access Device ( 12 CFR 1005.2 ( a ) ( 1 ) ), with XXXX XXXX, without my consent. I did not notice this unauthorized transaction due to the fact that I never received a confirmation to my email. On XX/XX/2024, I filed a claim with Chase for a stolen Access device, as I understand the funds are insured by the FDIC, as well as the banks insurance for their own operational risks and assets. As of XX/XX/2024, Chase bank reversed my claim, putting me in overdraft standing and damaging my reputation, stating that " XXXX informed them that a refund was non existent due to their terms '' however, the claim that was made with Chase states clearly that I did not authorize this transaction which is why I requested for a new card. Furthermore, Chase is in violation of 12 CFR 1005.6 ( b ) ( 3 ) Liability of consumer for unauthorized transfers - Periodic statement ; timely notice not given, as it states ; " A consumer must report an unauthorized electronic fund transfer that appears on a periodic statement within 60 days of the financial institution 's transmittal of the statement to avoid liability for subsequent transfers ''. My claim was made 34 Days after the unauthorized purchase was made. Chase is now in violation of 12 USC 1005 and has committed fraud and unauthorized use of an Access Device. The chase representative also stated that by Law they have a right to take the money but refused to explain what law. The EFTA ( electronic funds transfer act ) is the law that governs checking accounts and Access devices, and I have clearly shown that they are, in fact, in violation. An FTC report for fraud will be filed, if they do not return the amount of {$380.00}. Their actions have put my account in a negative standing, which has damaged my persons and I reserve my rights to pursue litigation, without recourse UCC 1-308. Chase bank may not communicate with me outside of the CFPB portal. Chase bank does not have authorization to mail any correspondence to the non-mailable addresses they may have on file.
Consumer complaint received 2024-05-02
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I am XXXX XXXX, and XXXX submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and XXXX. Please update/block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Consumer complaint received 2024-05-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/202XXXX COMENITY BANK/EXPRESS XXXXXXXX XXXX XXXX XXXX, OH XXXX Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent COMENITY BANK/EXPRESS you furnished alleged transaction on my XXXX, XXXX, XXXX that you identified as late.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report. 

You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not rely to me stating that you are furnishing accurate information because we both know youre not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC. (IL)

I sent them a letter regarding that they were violating my rights also disputed them. Under this law Validation of Debts 15 U.S.C. 1692g Also Harassing or Abusive Practices 15 U.S.C. 1692d, False or Misleading Representations 15 U.S.C. 1692e claiming that they will not use if I make payment that is coercion deceptive acts harassment Furnishing Certain Deceptive Forms 15 U.S.C. 1692j
Consumer complaint received 2023-11-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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
Consumer complaint received 2017-06-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC (CA)

I am attaching a lawsuit which was filed recently. It shows how Nationstar is illegally trying to foreclose on my property. I have hired a fraud investigator and expert witness to investigate their wrongful acts and the investigation is ongoing. They responded to my last CFPB complaint with the attached letter sent to my attorney, XXXX XXXX. Every time I ask who owns my loan, I get a different response which tells me that it is all fraudulent and they just make something up each time, hoping to pass the liability onto someone else but as you can see by the attached documents, it is all a big fraud. XXXX XXXX sent them an authorization which I signed along with the letters that she sent to Nationstar which allowed her to receive their response to her letters. She received the return receipts to all of her letters sent to Nationstar. However, in their reply, they said that they did not have the authorization. This is not true since they signed the return receipts which XXXX XXXX received and I have attached them here as well. In the letter dated XX/XX/XXXX that they sent to my attorney, XXXX XXXX, it says that XXXX XXXX is the owner of my loan, however in the letter dated XX/XX/XXXX that they sent to XXXX XXXX it says that XXXX XXXX is the owner of my loan. Both letters are attached here. I still do not know who owns my loan. In item 5 of their letter to my attorney, XXXX XXXX, they said that four loan modification reviews were denied due to the request being incomplete. This is another lie. I provided all documentation requested numerous times. They continually lost the documents, changed the single point of contact and made me send in the information over and over again, wasting time and using a false reason to deny a loan mod. In item 6, their accounting was incorrect and I made every payment since the XX/XX/XXXX loan mod and I have all of the cleared checks. They claimed I did not make insurance payments which was not true as I can prove that I made all of those as well. The only reason I went into default was because they started sending the payments I was making to them back to me. I could never reach a person who could get this straightened out. I have notes on all the times we tried to reach a live person who could explain what was going on but the single point of contact would never return my calls. I even paid an attorney to try to figure it out and he was also not able to get them to explain to him why they were saying I was in default and explain their accounting. He told me I needed to sue them. People should not need to go to court to get a correct accounting and find out who owns their loan and where the money that I have paid has gone. Nevertheless, after trying every other way, it seems that is what is required.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (FL)

Both Sears and XXXX XXXX sent what appears to be advertisements. I do not always read these items. But what has happened is they sent a notice they will be converting my store cards to a MasterCard if I don't contact them by a certain date. I happen to travel at times and do not always read these notices. Both Sears and XXXX XXXX  have converted my account because I did not contact them by the deadline. Sears refused to change it back to a store card. I feel this practice is deceptive. If I want to open a Sears MasterCard or a XXXX XXXX MasterCard then I will apply for one. That is how it works with any other credit card - you apply for it. I this it is completely deceptive to just change a persons account. I did not apply for MasterCard with either of these vendors. XXXX XXXX has now begun the same thing. They sent the first notice which we opted out of. Now we have to watch every document that XXXX XXXX  sends because they will continue to send these and provide us deadlines hoping that we miss the deadline. XXXX XXXX wants us to change to the XXXX XXXX  XXXX XXXX Card. Something really needs to be done. At the very least I should be able to opt out only once and not have to continually monitor my mail to ensure I do not miss the next opt out date. As far as Sears and XXXX XXXX - they have lost my business permanently. I will never shop for another item at either store, and their MasterCard will remain in a drawer unused.
Consumer complaint received 2024-05-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc (TN)

I settled this debt with Affirm through their collection agency, XXXX XXXX, In XX/XX/year> ( settled for less than the amount owed ). When I checked the account and my credit report a few weeks ago, the account still showed as a collection account with a remaining balance. Since then, I have been able to get them to update the account on their own website, but they insist their report to the credit agency is correct it is not. The account on my credit report states this account is still in collections with a balance of {$130.00} still due. It should be stating it has been settled. This is affecting my ability to apply for and be approved for rental property. After several calls and messages ( including images I provided to them of the account and my credit report ), Affirm has closed the case and will not respond to me in their dispute center. As of today, XX/XX/year>, after nearly 4 months of settling, this information is still incorrect on my credit report.
Consumer complaint received 2023-07-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Dynamic Recovery Solutions, LLC (AZ)

I'm receiving texts every 1 to 4 days about a debt that was never sent by any of the origination companies, and that isn't showing on my credit report. Upon further investigation, this looks like a common problem with this company. This is one of the texts and it didn't make sense. Why would they return my account to anyone? That's not how debt collection has ever worked, in my experience. 

We have limited time to work with you before we must return your XXXX XXXX XXXX XXXX  XXXX XXXX XXXX acct to our client. See your options at XXXX or call XXXX. This text is from Dynamic Recovery, a debt collector. Reply STOP to opt-out I haven't clicked on anything or replied to anything, but this number belongs to the company listed, I did check that.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A. (AZ)

XX/XX/XXXX I reported to Citicard that there were 2 fraudulent charges on my citi preferred card in the amounts of {$460.00} and {$820.00} for MR XXXX ( XXXX XXXX, XXXX, CA ). The rep told me he would cancel the card, research the fraud and expedite ship me a new card to be received XX/XX/XXXX. 


XX/XX/XXXX 2 phone calls made due to not receiving the card. I figured out Citicard put the wrong street address on the shipping label and my account. Second phone call I spoke with rep XXXX, " specialist '' XXXX and " manager '' XXXX. None of them corrected their address mistake. It was to the point I was asking for compensation for my repeated phone calls, their address mistake and not getting my card when they promised. 

XXXX was extremely rude. When I told her I didn't trust the company to do what they say they will do she then said " Ill just send your card out in 5-7 days ''. This was after XXXX and XXXX told me the second new card would be expedited and received by me Tuesday the XXXX. I told XXXX she was passive aggressive and hung up on her. 


XX/XX/XXXX I called and spoke to XXXX to make a payment on the old card as I was unable to online and didn't want to incur any interest charges. After payment was made, I asked XXXX what the address was on my account. He confirmed the address was STILL wrong. He suggested I call back again the next day and speak with " line management dept ''. 


XX/XX/XXXX I called during my work day and spoke to XXXX. I asked her to connect me with " line management ''. She stated she could help me with the address change. She confirmed that the address was STILL wrong. She then reviewed my account and stated she could not help me with the address change.

At this writing I have made 5 phone calls to try to get the address corrected, get a new card and compensation for their mistake. 


The original XXXX XXXX tracking # is XXXX XXXX XXXX so you can see the address citicard listed was street number XXXX. 

My street number is XXXX. 


What else do I need to do to get service from this company?