davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-09
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION (NC)

As the consumer, I hereby dispute the accuracy and completeness of the contested information. I categorically refuse payment for the accounts associated with CREDIT ACCEPTANCE CORP, specifically account # XXXX. My primary concern lies not in validation and verification but in the existence of inaccurate data within my consumer report. 

Pursuant to UCC Article 9, the lender is obligated to furnish certain notices pertaining to the repossession and disposition of the collateral. Non-compliance with these notice requirements may have implications on the legal validity of the repossession. Notably, I have not received any deficiency notices.

I wish to assert my right to challenge misinformation, substantiated by evidence exposing questionable practices. These practices range from the use of inappropriate language intended to harass, oppress, or abuse ( contravening 15 U.S.C. 1692d ( 2 ) ) to engaging in deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ).

Failure to address this matter within the next 20 days will compel me to escalate the issue to the United States District Court. While I prefer an amicable resolution, the urgency of the situation necessitates swift attention to avert legal proceedings.
Consumer complaint received 2023-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

Nelnet has wrongly declared my account as past-due for an amount way beyond what I am supposed to pay per month while paying on the SAVE plan. This can impact my credit and I am very angry, especially as my forbearance period has just ended and I am going to make my first payment of XXXX as scheduled on XX/XX/XXXX. I do not understand why Nelnet is saying I am past due.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (IL)

JPMCB card services XXXX I did not make this inquiry. 

JPMCB CARD SERVICE ON XXXX I did not make this inquiry XXXX XXXX XXXX on XXXX I did not make this inquiry XXXX XXXX XXXX XXXXXXXX XXXX on XXXX I did not make this inquiry XXXX XXXX XXXX I did not make this inquiry I want these items removed and they stated I would have to follow these steps
Consumer complaint received 2023-12-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MA)

My bank account was hacked and the hacker stole {$1800.00} from my account. I have been a client of the Citibank for about 20 years. This account was in good standing for about 20 years. The Citibank response to this incident was that I have to wait until they finished with the investigation to return my money. I do not think this is fair because my money was stolen because simply the Citibank online security system failed and I do not think that I have to wait to get my money back because of failures with their security systems. The hacker went into my account, deleted my pin, add a payee, and did a wire transfer transaction. It is incredible and unbelievable how the Citibank let this hacker to do all that, and even worse, I do not believe that as a client for about 20 years should be treated the way the bank is treating me. The bank is rejecting a provisional credit to me and they wanted me to wait for something that clearly was a negligent from its side to protect my bank account. Since this incident happened, the customer service from the Citibank is been horrible, it seems that the bank is only interesting to look for its own benefits and does not care for me as a client.
Consumer complaint received 2024-02-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (AZ)

There has been a lot of transactions occurring on this particular account due to my nature of work. I have needed to file several disputes because of merchants having the debit card on file and making unauthorized transactions. However, my latest complaint is against the bank itself. The account was overdrawn by {$120.00} on XX/XX/XXXX, I deposited {$100.00} on XX/XX/XXXX and received an email stating that I had until midnight XX/XX/XXXX to deposit the {$22.00} which I actually deposited {$40.00} on XX/XX/XXXX at XXXXXXXX XXXX ( text msg receipt from Wells Fargo Bank ). On XX/XX/XXXX at approximately XXXXXXXX XXXX  Wells Fargo Bank placed an overdraft fee on the account which is incorrect and their bankers don't seem to comprehend very well. In addition, I have some other discrepancy about two other transactions on the account from XX/XX/XXXX. I was given two provisional credits ( which were taken back ), I received a letter from Wells Fargo to send in documents confirming the merchant wasn't supposed to receive the payment ( something to that extent ) I sent in the documents never received back the credit. When I called to check the status it went from them needing documents to the funds were never actually taken out of the account which to my knowledge seems to be incorrect.
Consumer complaint received 2024-04-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CO)

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
Consumer complaint received 2023-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Velocity Portfolio Group (NC)

I refuse to pay any debt to XXXX XXXX XXXX account # : XXXX, XXXX, and I'm challenging its completeness and accuracy based on violations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). The relevant federal codes are 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) for false credit info, 15 U.S.C. sec. 1692e ( 8 ) for spreading false credit details, and 15 USC 1692d ( 1 ) & ( 2 ) for using threats and obscene language.

There are also violations under 15 USC 1692F ( 7 ) & ( 8 ) for postcard communication and improper language/symbols. The breach of Metro2 compliance is under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). I'm asking for immediate action, specifically deleting derogatory info from my consumer report. According to the FDCPA, I have the right to challenge false information, supported by proof of inappropriate language ( violating 15 U.S.C. 1692d ( 2 ) ) and deceptive debt collection tactics ( violating 15 U.S.C. 1692e ( 10 ) ). 

I want a quick resolution, and if not sorted within 20 days, I'll take it to the United States XXXX XXXX XXXX XXXX XXXX North Carolina.
Consumer complaint received 2023-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (NV)

We recently moved out of an apartment on XX/XX/2023, prior to that we had submitted all final payments and were notified by the apartments we were all set and nothing else was owed. I did not give the apartment our current address and had the mail forwarded elsewhere, so I am uncertain how my current address was obtained. On XX/XX/2023 I received a letter from I.Q. Data International , Inc. is trying to collect a debt I owe of {$550.00} to the apartment. I sent a letter back on XX/XX/2023 requesting information from the debt collector on what this debt is, the itemized receipt, how and why this was sent, and how come the other people residing in the apartment did not receive this letter as well. I have not heard back from them until XX/XX/2023 when they sent another letter with interest added of {$2.00} to the original debt. I arrived at the apartments today, XX/XX/2023, and was given a ledger of our account prior to moving out that reflects a balance of {$0.00} owed as of XX/XX/2023. I have not heard back from these so-called debt collectors and the {$550.00} is nowhere listed in the apartments system that I saw. I can attach all necessary documentation showing I do not owe this amount.
Consumer complaint received 2023-04-21
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. (GA)

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. 


Account name : XXXX Account XXXX Account name : XXXX XXXX  XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX XXXX XXXX Account XXXX Account name XXXX XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 instructions 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 2024-01-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PENTAGON FEDERAL CREDIT UNION (IL)

I'm a 100 % combat-related, service-connected XXXX XXXX  that has owned and resided in my home since XXXX. 

XXXX  XXXX has a full exemption from property taxes for XXXX with 70 % or more XXXX. My yearly tax bill is about {$10000.00} had I not been exempt I have received exemptions for all years XXXX ( Taxes are billed in arrears ). Penfed Credit union took over the loan in XXXX and honored the exemption till this year. 

Since I have to re-apply for the exemption on a yearly basis, there was an issue with processing it in XXXX. Till XXXX, Penfed has charged me only principal and interest as they should have, however, in XXXX they claim to have paid over {$40000.00} in back taxes to XXXX XXXX XXXX XXXX XXXX making an advance to my escrow balance and charged me the full amount. They have failed to provide any evidence of that payment except from the escorw statement and XXXX XXXX has acknowledged receipt of only ~ {$7000.00} of the {$40000.00} paid. Another ~ {$13000.00} that was paid has returned back to Penfed based on the statements, however, the remaining {$20000.00} has been unaccounted for - neither XXXX XXXX has received it nor Penfed has been able to produce evidence that they've paid in my name. 

I have obtained letters from the XXXX XXXX assessor 's office that I have been fully exempt for all years and have provided those letters to Penfed. The letters and tax bills provided by the assessor 's office claim that my tax bill has been 0 for each year all along. 

I have provided all the evidence to Penfed requesting proof of payment ( cancelled checks, paystups etc ), however, they have been unable to produce that. 

To date, I've paid {$26000.00} towards escrow for insurance and taxes in XXXX - even though I shouldn't have paid anything since I've provided evidence of 3rd party insurance paid in full as well as evidence of tax exemption. 

Penfed has been aggressively trying to collect the balance and has severely damaged my credit score - which has substantial negative implications on my business since I'm in real estate acquisitions and my credit score is extremely important to me. It has gone down from XXXX to XXXX within 3 months. 

They are trying to collect their remaining balance of advance escrow payment ( last bill they sent me was for 18K ). While I've sent multiple communications to them, and spoken to their supervisor, who has acknowledged that there must have been a mistake after reviewing evidence from the assessor 's office - however, this ordeal remains unresolved, with my credit score plummeting as they have been conducting their " research '' to resolve the matter for the past 4 months.
Consumer complaint received 2023-12-08
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: NEW YORK COMMUNITY BANCORP INC (NJ)

I visited XXXX XXXX XXXX XXXX on XXXX XXXX XXXX, XXXX, NJ XXXX to withdraw {$2700.00}. I was turned away and told to use the ATM, transfer funds online, or transfer funds using the mobile application. I was helped by a teller XXXX who gave me a handout about transferring funds online or using the mobile application. I asked XXXX to check about withdrawing money from the teller. He checked with XXXX who affirmed what XXXX said. XXXX said XXXX XXXX XXXX XXXX facilitates the payroll card and my money is not deposited in their bank. Hence, I am not able to withdraw my money from the bank. 

I called Customer Service at ( XXXX ) XXXX. XXXX said there was no fee to transfer funds. XXXX said there was no way for me to get my money from a teller. She said there was a {$1000.00} daily limit for transfers.
Consumer complaint received 2023-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (TX)

Discover Personal Loans XXXX  past due. Account # ending in XXXX- keeps reporting an account well past the minimum statutes. I believe they re-aged the account. I disputed date of last payment as they claim XXXX. But last payment was late XXXX. Its been 8 years, Ive disputed the account but no action. 

Same thing with XXXX XXXX XXXX {$1100.00}. Should be dropped its past 7 years.
Consumer complaint received 2024-01-02
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY (NC)

I don't really don't remember when I called I do know it was either at the end of XXXX or beginning of XXXXThe representative told me my account was close and no way to open it backup and was still trying to make me, make a payment. i did not closed the account at all but I am currently making payments. I have been a member of Wells Fargo for over XXXX XXXX my account has always been in good standing and i just fell on hard times due to lack of hours and prices has risen. I was not getting my emails for the account or calls to let me know my account was being close or how to correct the issue.
Consumer complaint received 2023-12-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc. (VA)

I have experienced a hardship related to XXXX with this property and my tenant is unable to pay rent. I have missed XXXX, XXXX, and XXXX payments. I learned recently that XXXX XXXX  provided new guidelines starting XX/XX/2023 that were required by all servicers of XXXX XXXX mortgages to abide by. These guidelines include allowing 6 months of deferred payments to be kept in a non-interest-bearing account that is held until the mortgage maturity. Also, the missed payments that were deferred should not be reported negatively on the borrower 's credit report. 

Upon speaking with an account representative at Mr Cooper on XX/XX/XXXX, he seemed unaware of these terms and his system reflected only an allowance of 3 months of missed payments in a separate non-interest-bearing account. He also told me my missed payments would continue to be reported as being missed. It is as if his system did not have the newly required terms of XXXX XXXX XXXX Enhanced Deferral Program. 

See here for FHFA 's announcement : XXXX XXXX XXXX XXXX here for XXXX XXXX XXXX for these requirements laid out for lenders : XXXX XXXX XXXXXXXX
Consumer complaint received 2024-06-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TN)

When I attempted to Make the monthly payments to both my MOHELA account ( XXXX XXXX ) and for my daughter ( XXXX XXXX ), a message on each account stated that our accounts were in transition to a new platform/webiste, with no formal communication of this nor when and where the loan accounts were to be located and nothing about login information. I waited until the 2nd month and made the call to MOHELA.

MOHELA did not offer any apology on why there was no formal communication nor updates to either account transitions and finally stated ( on the phone, at my continued expense while both accounts continued being assessed interest- which is wrong! ) that my daughters account ( XXXX XXXX ) was transitioned to a new website and that my account is being handled by XXXX. 

After setting up and making payment on my daughters new MOHELA website account, I was told to call XXXX by the MOHELA representative to get my account information. I called XXXX over XXXX weeks ago any My account has still not transitioned and I have been unable to make any payment on my account for the past 2 months ( working on 3 months now ). XXXX has not provided any formal communication nor updates and I am still not able to make payment. 

I feel that I am warranted significant payment relief on both my daughters and my student loan accounts for this complete lack of information, time taken from us to personally handle the accounts, and the stress involved in not being able to make payments and still receive emailed payment reminders from the student loan providers when their systems prevent this from happening. 

I am totally disappointed with the handling of both student loans and deserve to have significant relief from all of the grief associated with the failure of the systems, communication, and extremely poor customer service ( in addition to the significant amount of time I had to be on the phone to have to resolve this when the loan provider should have gotten this right and consistently kept all accounts accurate and correct ). 

I request the U.S. Department of Education investigate this and provide my daughter and me significant relief of payments remaining and ask to have these loans discharged due to continued problems and incorrect communication to us both involving these student loan accounts. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Cell : XXXX
Consumer complaint received 2023-10-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

FALSE REPORTING OF ALLEGED DEBT BY THESE BUREAUSES IS A VIOLATION OF FDCPA SECTION 807, " 15 USC 1692e ''. Another violation of the FCRA is that the claimed debt can not be verified, and I have not received any proof or securities after 30 days.
Consumer complaint received 2022-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Experian refuses to dispute the XXXX account without new info. They are illegally reporting a charged off account on my consumer report as income when income can not be reported on consumer credit reports. They are in violation of my consumer rights.
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I am writing to DEMAND removal of 1.DEPTED/XXXX  2XXXX XXXX 3.XXXX  XXXX 4.XXXX from my report. this is a violation of 15 usc 1681 ( a ) 4 and my right to privacy.

I will be forced to notify the CFPB & the FTC of violations of both my rights as a consumer and your obligations as a consumer reporting agency. I require XXXX XXXX dollars and no cents ( {$1000.00} ) per day if this reporting continues. 15 usc 1681a ( 2 ) a ( i ) clearly states transactions are to be excluded from the report. I would like all further reports to reflect this. I have no contract with XXXX, XXXX, EQUIFAX, any sharing of my private information, my non public personal information, my financial information, medical information is a violation of not only the FCRA but also HIPPA, GLBA.
Consumer complaint received 2024-06-07
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Every month on the XXXX since XX/XX/year>, a charge from Capital One 's credit department shows up on my Capital One 360 checking account or {$130.00} ( but is denied because I have been keeping less than the amount charge ) When I inquire about this charge, Capital One 's customer service will play a game of hot potato with me over the phone, bouncing me between their Credit, Debit, and Checking departments, all of them claiming it is the other 's problem. Also, none of them will oblige me when I ask to speak with a supervisor. 

I find this strange because after the failed transaction shows up on my statement ( If it does ) instead of charging me when I put funds into the checking account, it will try to charge me again on the same date the following month, the XXXX. 

I am told this is relating to my Auto Loan or my Credit Card- which I do have with Capital One- but I make all my payments within time I am required to pay them, and nothing in the agreements of my credit card or my auto loan say anything about a fee of {$130.00}. I did not authorize this payment. I feel as if someone or the company as a whole is doing this my account maliciously.
Consumer complaint received 2023-04-24
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. (KY)

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX