davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HF Holdings (NY)

I utilized XXXX for a short term rental operation that is now shuttered. Their customer service had not been stellar from the start. 

My last tenant vacated the premises prematurely and demanded a refund of her monthly rent. This charge of {$2300.00} was reversed, leaving my business account in the negative. I was obligated to get the account back to {$0.00}. This implies that the debt was paid and settled with my financial institution ( XXXX XXXX ). I then closed this business account. The tenant also incurred a reversal charge on the XXXX platform as the payment was likely stopped by her financial institution. Conclusively, the amount totaled {$2300.00} and was credited to the tenant on my end. However, XXXX claims that I owe them, this amount. This means that I would be paying a penalty of {$2300.00} twice ( to the tenant and to XXXX ). Furthermore, this reversal of the {$2300.00} occurred in XXXX or XXXX of XXXX. 

I was contacted for the first time concerning a balance owed by the tenant in XXXX of XXXX. Yet, it was not made clear the repercussions or implications of this debt going unpaid or who owed the debt. I assumed that the client did as I responded to the XXXX correspondence and got no reply. 

I was contacted about the matter again in XXXX or XXXX of XXXX. I was not aware that there was outstanding debt that I was responsible for. I received no correspondence from XXXX XX/XX/XXXX through XX/XX/XXXX. Still, when contacted by XXXX this XXXX, the payment had been due in less than 30 days. I communicated with a representative via email outlining my concerns and confusions, yet the debt was given to HF Holdings, a debt collection agency. 

I was laid off on XXXX of XXXX and Im a XXXX XXXX XXXX garnering a XXXX XXXX. I provided documentation outlining my employment status to XXXX. XXXX only notified me that the debt was now in collections when I asked. Therefore, I reached out to HF Holdings myself in being proactive. XXXX has been poor and representatives of HF Holdings ( particularly XXXX XXXX have been unempathetic and condescending in refusing to actively listen to my concerns as debt collectors notoriously are. Although HF Holdings was able to coordinate a settlement with XXXX on XX/XX/XXXX, the lesser amount ( {$1900.00} ) would need to be paid by XX/XX/XXXX. XXXX unable to make any payments and do not believe that I was notified about this debt correctly or in a timely manner. Also in reiterating, the tenant received her {$2300.00} back from my financial institution with the help of her financial institution initially in XXXX.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (FL)

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.

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 inructions 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 2023-12-14
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A. (CA)

I'm doing a formal request thru the CFPB to have Citibank CEASE and DESIST any Attempts to collect a balance that I legally disputed, for services not provided. 

This Bank and its incompetents ' employees are ignoring my lawfully request. I'm including 2 mails envelopes from Citibank been returned. One from XX/XX/2023, and another one from XX/XX/2023. 
By the way Citibank has denied and ignored to provide me the terms and services signed by myself when I signed for this credit card.
Consumer complaint received 2023-12-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (WA)

I set up a payment plan and Navient has been taking out {$160.00} per month on the XXXX. That payment was supposed to be divided evenly between my XXXX accts. It was not and XXXX account was not receiving any of my payment. This has happened several times in the past couple of years. Each time, I've been able to contact Navient and the issue gets fixed. 

However, now Navient is threatening me and my co-signed with default. They call multiple times per day and harass both me and my father ( co-signer ). I spoke with XXXX XXXX days ago. She said that now there is nothing we can do, even though it was the error of the Navient worker for not splitting the payments between the XXXX accts. 

I was informed that I have XXXX options. We can either pay {$6500.00} and be done with Navient or {$4800.00}, which would release my co-signer. I explained that we can not do this and she told me that Navient would move forward with attorneys. 

This is ridiculous. There is no way I can afford any sort of wage garnishment when this can be handled to fix THEIR error. I am so sick of dealing with this XXXX style bully tactic. 

I'll add that XXXX told me that when the economy took a hit so did Navient and they WILL get their money back. I've submitted multiple complaints on here and it doesn't go anywhere. 

I want someone to contact me with more than their " XXXX '' options, threats of wage garnishment ; and/or their aggressive XXXX 's ( " we're going to go after your business '' ) XXXX 's they've left XXXX times per day for my parents.
Consumer complaint received 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (MD)

I checked my credit score and seen a XXXX debt in the amount of {$290.00} from XXXX, stating it was for an Emergency situation or something of that sort but it is not mine. I have not had an account with XXXX since XXXX.
Consumer complaint received 2022-01-31
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: MARINER FINANCE, LLC (GA)

To Whom It May Concern : I recently received a copy of my credit report, and I noticed an account on my consumer report that should not be there. 
Mariner Finance {$2200.00} XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681a 2 ( A ) ( i ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or Experiences between the consumer ( ME ) and the person ( Mariner Finance ). Making the report is NOT INCLUDED on my consumer report! Debtor ( Mariner Finance ) issuing credit ( installment loa
n ) to the creditor ( ME ) is a transaction that is illegally reported on my consumer report by the person ( Mariner Finance ) making the report. CONGRESS clearly states that the reporting of Transactions or Experiences between the CONSUMER and the PERSON making the report should not be included on my consumer report! 
Mariner Finance HAS VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience on my consumer reports which CONGRESS clearly states is NOT INCLUDED on my CONSUMER REPORTS.

You have 10 calendar days to DELETE THE ACCOUNT ON MY CONSUMER REPORT AS THE ACCOUNT SHOULD NOT BE REPORTED ON MY CONSUMER REPORT ACCORDING TO FEDERAL LAW UNDER THE FCRA. 



Failure to respond satisfactory with the deletion of the above account, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character 2. Negligent Non-Compliance 3. Civil Liability 4. Mental Anguish 5. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance- 616 Civil Liability for willful noncompliance [ 15 USC 1681n ] Best regards, XXXX XXXX
Consumer complaint received 2023-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (WA)

After attempting a wire transfer out of country on XX/XX/XXXX, Wells Fargo Fraud Prevention blocked the transfer and reported me to a State Agency responsible for Adult Protective Services ( APS ). I was attempting to procure electronic equipment through a nonXXXX company. On XX/XX/XXXX, Wells Fargo sent me an email, then a letter, to inform me they were closing my checking account on XX/XX/XXXX. I went to the same Wells Fargo branch on XX/XX/XXXX to close the account and withdraw the funds in the account. Once there I was informed the " review '' or investigation was extended to XX/XX/XXXX ; several days later a letter saying the same thing arrived at my home mailbox. In between this time I was contacted by APS by phone, then by a home visit, where I was subjected to a cognitive test. The APS person determined I was not impaired, and said the case would be closed. This obviously upset me significantly. When at the bank on XX/XX/XXXX, I was again informed that the review was extended to XX/XX/XXXX. I objected, complained that this was the second extension, and asked why. I was told the review was not complete. I asked what was being reviewed since I had no activity on the account since early XXXX. I attempted to explain that the funds were critical for XXXX, and I felt this had gone on long enough. I called the Fraud Prevention phone number on the letter, and was told they weren't going to release the account until XX/XX/XXXX as stated. No reason given. I then submitted a complaint at the branch.
Consumer complaint received 2024-03-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Statebridge Company (CA)

They called and said they returned a check for nsf. Then I got a letter which informed me of same. I had the funds so I was confused. I called the bank and they had no record of it. Called back statebridge company and asked What they were talking about because bank had no record of it. Statebridge said they had just used the incorrect bank number. However, I. Their letter they indicated nsf and warned me that if 2 mad were had in a six month period, I would be punished. The first call, also indicated nsf, and I was told the money was returned. All that was a lie. Now, I am short the payment money. Because instead of them being accurate and truthful, I spent some of it. But Im told its a XXXX fine when they are untruthful. Oh in addition they allege that someone named XXXX wrote the letter, later telling me that person doesnt exist. Thats another lie. How do I get my XXXX dollars?
Consumer complaint received 2023-12-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (NY)

I hope this letter finds you well. I am writing to address a concern regarding the accuracy of my credit report. After a careful review, I have identified late payments on my credit report that I believe to be inaccurate. I am requesting your assistance in either removing or correcting these late payment entries promptly. 

I understand the significance of maintaining an accurate credit history and its impact on my financial standing. I am committed to ensuring the correctness of the information reported on my credit file. 

WFHM XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WFHM customer service I kindly request a thorough investigation into this matter and ask for the removal or correction of the inaccurate late payment entries from my credit report. It is crucial to me that my credit history accurately reflects my financial responsibility.
Consumer complaint received 2023-12-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc. (UT)

There are multiple claims/charges for the same DOS with different XXXX codes! My Medicaid insurance has a contracted rate with XXXX XXXX XXXX XXXX I paid my deductible in full as required. XXXX indicated that claims have been adjudicated but billing did not apply them correctly. This is resulting in a balance due. My XXXX XXXX  did not start until XXXX  and I provided this information in multiple occasions to XXXX to conduct " Coordination of Benefit ''
Consumer complaint received 2023-12-14
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NCP Holdings, L.P. (WA)

It seems that my payment each month barely touches the principle. The intrest is almost at 100 %. I live in Washington State and the intrest cap is 36 %. I dont think this company is legal to do business in Washington State . The company needs to have a business license in Washington state or a bank that is legit to do buisness here. My payment is XXXX per month for 18 months for a XXXX loan. It could be XXXX loan. I went to check and the website is down at the moment.
Consumer complaint received 2022-12-20
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: Experian Information Solutions Inc. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XX/XX/23 unauthorized charge of XXXX from XXXX XX/XX/23 I called BanXXXX of America and reported fraud. 
XX/XX/23 Bank of America credited my account the amount for fraud dispute. 
XX/XX/23 the dated letter from B of A reversed the credit and added charges to my account. 
The letter stated " The merchant provided documentation confirming you received the merchandise or service ''. The merchandise was mailed to XXXX, Wa and I live in California XX/XX/23 I went in person to B of A branch and spoke to a representative who connected me to the fraud department via phone. I was informed they would look into it. 
XX/XX/23 I called B of A to check on the status of the fraud and was informed that they have not resolved the problem.
Consumer complaint received 2023-04-11
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: Experian Information Solutions Inc. (NY)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX Date Opened XX/XX/2022 Balance {$870.00}
Consumer complaint received 2022-12-20
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. (MO)

When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$460.00}
Consumer complaint received 2023-12-14
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. (NY)

Social security number XXXX my name is XXXX XXXX my complaint is that experian and XXXX refused to remove the negative item on my credit report its fraud I filed a federal trade commission identity theft report on file the credit agencies XXXX and experian supposed to have the negative items blocked from showing on my credit report
Consumer complaint received 2023-12-14
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This credit card institution, Capital One, closed my credit card account due to inactivity without first notifying me and giving me a chance to make a reasonable effort to keep the card active and in good standing. There is no record in my email warning me of an impending closure and no contacts in my paper mail or by phone were made. I called their customer service department the same day that I was notified of the closure, and they refused to offer any information pertaining to the reinstatement of the card. It is my understanding that a credit card company will reasonably reinstate a card as long as they are contacted in a timely manner soon after the closure. This is my oldest credit card and impacts my credit age and credit score, and I was not given a reasonable means of keeping my credit in good standing.
Consumer complaint received 2023-12-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION (NY)

The reason for this inquiry today is because Navy federal has failed to perform, and is in breach of their fiduciary responsibilities. I have contacted Navy Federal on several occasions last attempt was on XX/XX/XXXX. I have requested the authoritative copy of contract and all other documents pertaining to my consumer loan and disclosures. I have also requested my XXXX XXXX free and clear as there is no lien on my car. And XXXX XXXX of any XXXX forms that the company has filed. As per the companys XXXX XXXX report, Navy federals loan portfolio consist of consumer loans, credit cards and real estate loans. Consumer loans consist of secured loans ( auto loans ). At origination all consumer, credit card loans and equity loans are classified as held for investment. In which I saw no dividends/interest paid out to me. Navy federal securitized the loan and benefited from my securities as well as double-dipping. I also sent them endorsed negotiable instruments and again they failed to perform. Navy Federal also inaccurately reported to the Bureaus that I defaulted on public debt and listed the account as charged off instead of paid as agreed.
Consumer complaint received 2023-12-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Aldous & Associates, PLLC (AZ)

I just looked at my consumer reports and noticed a collection on an account that is not mind. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had this account and did not provide written consent to report the account : ALDOUS : XXXX XXXX XXXX Please investigate and provide proof with statements showing that this collection is mine and proof that I authorized the reporting of this information. If proof
Consumer complaint received 2023-12-14
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. (TX)

On XX/XX/XXXX, a hard inquiry from XXXXXXXX XXXX XXXX appeared on my TransUnion credit report. 

On XX/XX/XXXX, a hard inquiry from XXXX XXXX appeared on my TRANSUNION credit report. 

On XX/XX/XXXX, a hard inquiry from XXXX XXXX  appeared on my TRANSUNION credit report.