davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

I found two unknown charges on my card ; one from XXXX for {$140.00} and the other from XXXX for {$140.00}. In the case of the XXXX charge, they too had no record of it and specifically asked me to dispute the charge on my card. I opened two disputes with American Express. 

The terms of the Fair Credit Billing Act, 15 USC Chapter 41, subchapter I, part D are very clear. The creditor shall ... " Send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligor 's indebtedness. In the case of a billing error where the obligor alleges that the statement reflects goods not delivered to the obligor, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered and provides the obligor with a statement of such determination. '' Rather than conduct an investigation, or provide me with the documents requested, American Express sent out a template denial letter in complete disregard of the law ( documents attached ). You will note that even though these were two independent transactions, requiring two seperate investigations, the information provided is EXACTLY the same.
Consumer complaint received 2018-05-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

In XXXX of XXXX XXXX XXXX XXXX XXXX ( XXXX ) obtained my new cell phone number from my ( XXXX ) credit report. Shortly after XXXX obtained my new mobile telephone number, XXXX added the cellphone number to the company 's autodialing system and repeatedly robodialed my cellphone for months without proper consent. 

I was harassed by XXXX XXXX XXXX XXXX  and I did not consent to receive robocalls on my cellular phone. I did not consent to be contacted on my telephone, and my wireless telephone number was not provided at the time of the transaction that resulted in the debt at issue. 

On XX/XX/XXXX, I requested that XXXX provide proof that I consented to receive robocalls on my cellphone. I disputed XXXX right to contact me on my cellular phone and made several requests for XXXX to reveal the telephone number originally provided by the creditor. 

I am aware that XXXX XXXX XXXX XXXX violated the Telephone Consumer Protection Act ( TCPA ), and I hope the CFPB will look into the matter. I have asked XXXX to provide proof of consent and XXXX has ignored both of my certified letters. I have provided XXXX with phone records and proof of their credit inquiry, yet XXXX has chosen to ignore my claim.
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and anxiety. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Coradius International LLC (FL)

I received a letter in XXXX saying I owed XXXX XXXX. After receiving letter, I attempted to login into my XXXX which was now locked out. I called XXXX who transferred me to a 3rd party collector American Coradius International LLC. After finally getting a hold of an agent with above mentioned company I asked what the debt was for, and she had no information just the amount and asked me to pay said amount. Since then, I haven't received any other correspondence in regard to said Debt, so I called XXXX again and they transferred me to the same company which gave me the same answer. Both times there was a language barrier as the collection agency seems to be a call center at this point, I'm not sure if it's a scam or if there's an actual debt to XXXX. I have a limit on my XXXX card and have received statements for from XXXX for my credit card and no showing of this debt. and without access to XXXX, I'm not sure what the XXXX is for or how i incurred this Debt and no way to dispute the debt either.
Consumer complaint received 2017-05-03
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc. (FL)

The debt is for breaking an apartment lease. They want 2 months rent plus clean up and {$600.00} to change a carpet ( which is the one part I am trying to fight ) ..About  XXXX  all together for the debt. This debt collector is beyond harassing. The first day they reached out to me was on    X/XX/17      at  XXXX . I missed the phone call, they left a message on my voicemail which SPECIFICALLY says 'you have reached  XXXX   '.  I called them back by  XXXX  to talk to them. Within that half hour, they already called my parents and brother to find me. REALLLY? Not even 30 minutes and they are calling my relatives to find me. They knew they had the right number, my name was on the voicemail. I called them back within  XXXX  minutes, this was before I knew they called my family. They have called me every 3 days from this point as if I have never spoken to them. I told them that there was a specific charge within the debt ( changing a carpet that was perfectly fine when I moved out ) that I dont think is fair. Instead of going back to the client to negotiate, they just flat out refuse and said I am not in a position to negotiate and that I had to prove that the carpet was fine. They also said its all part of the lease. **new carpet is not in the lease*** carpet cleaning is in the lease for around 100.. AND for them to say Im not in the position to negotiate, thats exactly the position I am in, to negotiate. They act as if they want to help, the guy said what can we do to fix this. When I tried to negotiate that one point, he didnt even want to talk about it. So apparently, they dont want to help. they want the whole amount. I am now on the federal do not call list, and they are still calling. As I said, its every 3 days. I speak to them every time they call.. they are very harassing. They refuse to cooperate on anything. I never refused to pay the whole thing, If I am questioning the carpet, shouldnt they be required to discuss with their client? Apparently when they say that if anything is incorrect to let them know, they dont really care.
Consumer complaint received 2023-12-11
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: World Omni Financial Corp. (NC)

Purchased a XXXX XXXX XXXX from XXXX XXXX Toyota, XXXX, NC on XX/XX/XXXXXXXX XXXX The vehicle and warranty was paid in full for the amount of {$37000.00}. Southeast Toyota Finance XXXX, AL XXXX continues to send repeated statements and make harassing phone calls about payments. Southeast was told directly that I did not owe anything on the vehicle.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (OR)

My US bank checking account was suddenly closed without notice or any communication between myself and the bank due to fraud activity. Someone had given me a fake check to cash so the bank simply cut all ties with me even though I was unaware of the check being fake. 

On XX/XX/2023 my employer XXXX paid me XXXX deposits in the amounts of XXXX and XXXX to my US Bank checking account. The funds were frozen by the bank and I was told after many phone calls to help desk as well as a branch manager that the funds were to be returned to my company so they could reissue them to my new bank with XXXX XXXX. This never happened... US Bank instead " claim '' they sent a physical check to my mailing address on XX/XX/XXXX. I was in XXXX XXXX during this time but my family said the check never arrived in the mail, ever. 

Upon returning home from XXXX XXXX I have called US Bank 5 times I order to have the check issued and sent to me so I can be done with this nightmare process. I have even demanded to speak to a supervisor and they deny me this right. The last agent I spoke with told me the name of a US Bank supervisor named XXXX XXXX whose title is CSR manager. I was guaranteed and promised I would be receiving a call from this supervisor by the end of the day. This was 4 days ago ad I have not received a call or email or any form of communication from US Bank whatsoever. 

Please help me! US Bank is withholding my money from me and is intentionally avoiding paying me my check from 3 months ago!
Consumer complaint received 2018-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC (DE)

contacted : XXXX and XXXX on XXXX still have on credit report for XX/XX/XXXX - i am tired of each month going through phone calls and mailings to having this same XXXX having as many as four each month of hard inquires, I have checked and they insist I have gone to different states and applied in person ( even XXXX  ) I am XXXX years old and home bound. How can I stop this. 

XXXX  : again each month phone calls are made and disputes made for XXXX XXXX  XXXX, XXXX ~ three or four times a month, now still in report, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX ~ once  again they take it off, but I have to do this every few months. XXXX XXXX said there is nothing they can do. Really, yes they get a red flag, but still can and do put it on report. 

Cavalry phone XXXX has billed me for XXXX, and another for XXXX XX/XX/XXXX I asked for back up. I did receive paperwork, with no signature, address listed as XXXX XXXX, XXXX, md the US postal service does not have any idea where this is. I live in XXXX. I have reached a point that they are harassing me with no reason. 

Note : I have never had a XXXX, XXXX or XXXX XXXX account in my life.
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (MD)

Thousands of students were scammed by XXXX into taking out predatory private loans to attend for-profit online schools such as the one I attended, The XXXX XXXX of XXXX. The XXXX XXXX of XXXX was investigated by the attorneys general of XXXX, XXXX, and XXXX, Because of the numerous claims of fraud and misconduct perpetrated by these online for-profit schools, such as The XXXX XXXX of XXXX, I was able to file a Borrower Defense XXXX XXXX the Dept. of XXXX against The XXXX XXXX XXXX XXXX and my Fed. loans are now eligible for discharge and my credit is being repaired. My XXXX XXXX XXXX was also part of the XXXX  Vs. XXXX settlement for which I was a full class member. 

I am aware that XXXX  was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient XXXX XXXX XXXX XXXX '' lending company in a " deal '' with these schools during the early XXXX. 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 7 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 the borrowers scammed into taking loans to at least XXXX for-profit online schools. After the XXXX settlement, didn't XXXX  also get out of the XXXX student loan business due to scrutiny from lawmakers and borrower advocates? Didn't XXXX 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 XXXX been sued at least a half dozen times for other predatory loan practices and illegal collection practices?
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc. (CA)

XXXX XXXX XXXX. Subject : CREDIT MANGEMENT LP Opt-Out Request for Sale or Sharing of Personal Information Dear. CREDIT MANAGEMENT LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am writing to assert my rights under California Civil Code Section 1798.120 and to request that you cease the sale or sharing of my personal information to third parties. I exercise my right to opt-out of the sale or sharing of my personal information, as provided for in Section 1798.120 ( a ). As outlined in Section 1798.120 ( b ), I expect your agency to provide the required notice to me, in accordance with Section 1798.135 ( a ), confirming that my personal information may be sold or shared and acknowledging my right to opt-out of such transactions. I would like to bring to your attention that, per Section 1798.120 ( c ), if you have actual knowledge that I am less than 16 years of age, you must refrain from selling or sharing my personal information unless affirmative authorization is provided by me, or my parent or guardian if I am under 13 years of age. I am hereby directing your agency, in accordance with Section 1798.120 ( d ), to cease the sale or sharing of my personal information. As per Section 1798.135 ( c ) ( 4 ), you are prohibited from selling or sharing my personal information after receiving this directive, unless I subsequently provide consent for such transactions. I appreciate your prompt attention to this matter and expect confirmation of my opt-out request within the time frame stipulated by law. Failure to comply with these provision may result in legal consequences, as outlined in the California Consumer Privacy Act. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2023-11-16
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC (IL)

NewRez is using their Loss Draft department to earn profit at their clients expense. I am trying to get my insurance proceeds released to me. I have completed and complied with all the applicable requeiments and documents however NewRez Loss Draft department continues to delay for no valid reason. They are doing this intentionally so they can hold onto clients money longer and earn more interest on our funds however they are causing harm to clients by intentionally delaying the misleading clients for these payments. I will have stops to project work and or financial costs to float the funds while NewRez intentionally delays processing for their gain. They have also lied to me many times about how long it will take to process my funding and over several phone calls i have discovere their is no real reason they are dragging their feet leading m to the conclusion it is only for thier financial gain. This would probably be a great class action lawsuit.
Consumer complaint received 2017-05-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I lost my wallet and couple days later had fraud in my checking account with depositing and withdrawing checks and cash through multiple atms and I Add claims and the back office refuses to call back and this has been going on for 2 months now and they keep denying claims and sill have the wro ng Info.  I faxed a police report and have a detective which has received the film from the bank so I do n't understand why this  XXXX  is still not solved. Bank of America is the worst bank Ive seen
Consumer complaint received 2023-06-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Reliant Capital Solutions, LLC (OH)

Today XXXX, a debt collector, from Reliant Capital Solutions , LLC attempted to collect a debt from XX/XX/2020. The medical debt was already paid from my insurance settlement! 
Also, my caller id showed XXXX called from XXXX, but gave me a callback phone number of XXXX very suspicious!
Consumer complaint received 2023-11-16
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (GA)

This is the third time that this has been on my credit report from different companies. Requested information and you only sent me a bill. Nothing with my signature on it. The first company that tried to collect on this was XXXX XXXX XXXX, and it was removed from my credit report. The second company XXXX XXXX XXXX and it was removed also for my credit report.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

ACCORDING TO THE ATTACHED RESPONSE TO MY PREVIOUS COMPLAINT, EQUIFAX WAS TO REMOVE THE HARD INQUIRIES AND THEY HAVE NOT : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OR)

In XX/XX/year> the State of XXXX Attorney General 's office dismissed all of my private student loans I had consolidated with XXXX XXXX. Nelnet now services my remaining student loans. Before Nelnet it was XXXX and XXXX XXXX was the original. 

The balance on my current student loans ( according to Nelnet ) is {$360000.00}. The statement indicates that the original principal was {$86000.00}. I wrote Nelnet for verification that the private student loan balances were no longer part of their collections. After XXXX emails for clarification Nelnet 's last email stated that my promissory note considering my question will answer this question and to just look it up on the website. 

Obviously, it is not. Nor has the dismissal ever been recognized by all XXXX collection agencies ( XXXX, XXXX and Nelnet ). A Promissory note does not include such information. Their lack of transparency and lack of help is the reason why the XXXX XXXXismissed the private student loans to begin with. And, if it is so easy to find on their website why didn't they send me a copy of the dismissal notice in the first place? 

Obviously, I'm concerned that the federal student loans are accumulating interest from the private student loans and want assurances that they are not.
Consumer complaint received 2018-05-16
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 — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY (CA)

In XXXX of 2012 my personal life took a bit of bad turn. I suffered an injury to my XXXX XXXX that prevented me from working for a year. The injury required two XXXX  and countless hours of XXXX XXXX to repair. When I first was out of work I had to endure 4 weeks with no income before any XXXX payments were received. As a single father of XXXX young children at the time I found myself in the worst financial situation of my life. 
As time went on my physical condition improved and I was able to return to work full time. I did my best to bring the account current and was again able to make all payments on time and eventually paid the loan off 3 months early. The last late payment was over 4 years ago. The account was closed more than 2 years ago paid in full.