davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Unexpected fees — 
Company: Self Financial Inc. (FL)

On XX/XX/XXXX I received an alert that a payment was made to my Self credit builder personal loan account of {$15.00} for a late fee. At this time, my account was current in its standings with no indication of a late fee being required as the account, which was accessed on the app, reflected {$0.00} owed and the balance was current. On XX/XX/XXXX, I received another alert that a second {$15.00} late fee payment was applied to my account. I did not authorize the total amount of {$30.00} in unexplained late fees to be made nor processed to my account. I contacted immediately by phone and was informed that the payments are shown as being made manually ; as if I made them. My account at the time was set up on auto payment for my monthly payment of {$25.00} to be made on time from my registered bank account. The same bank account that the fees were being made from. I informed them that I did not authorize these payments and was advised that they could not help me nor stop the payments that were showing a pending status. I had accrued a {$15.00} late fee in XXXX and XXXX, both of which were paid. I removed my bank account and turned off my auto payment and still received an alert via email today, XX/XX/XXXX that a late fee is on my account to be paid. The account currently reflects {$30.00} in insufficient fund fees, {$15.00} in overdue fees a {$1.00} late fee. My payment due date was adjusted and done so by myself for the XXXX of every month. My next payment is due on XX/XX/XXXX. My account is reflecting it is 16 days to this very day, late, and I owe a total of {$71.00} to bring my account to current. The company is refusing to resolve my account problems and fix the errors I am facing by putting my account back to a current status with all overdue and late fees removed and bringing it to a status of having a {$25.00} monthly payment balance on the account as it should reflect but does not at this time. 

I have made attempts to email and correspond with their dispute department via their dispute email : XXXX but have been told once again that I must contact my bank to have any payments stopped and flagged as fraud and then they will proceed to remove my bank account, which I already did myself, but will NOT remove the fees accrued due to their wrongdoing.
Consumer complaint received 2024-01-07
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Fuel Capital Group (AZ)

On XX/XX/XXXX I pulled my consumer credit report and found that a company XXXX XXXX XXXX is negatively reporting an account with them as a XXXX XXXX on my consumer profile. I believe I am  seeing multiple possible FCRA & FDCP violations This negative and Inaccurate report is harming me and stopping me from being able to acquire services on credit. 
15 USC 1640 civil liabilities for reporting inaccurate information 18 USC 1028 ( a ) Identity Theft I never instructed or gave XXXX XXXX XXXX permission to furnish information. to give the information to my consumer profile I never consented to the report in the first place. 

XXXX  XXXX XXXX Sold my information to a XXXX XXXX  and engaged in unfair debt collection practices when they hired and gave my private information to an outside towing company XXXX XXXX  who breached the peace at my home when they illegally took possession of my automobile. 


on XXXX XXXX  XXXX I mailed this company a Debt Validation Letter and Opportunity to Cure notice which was sent by Certified Receipt XXXX XXXX XXXX XXXX XXXX XXXX to the XXXX  XXXX XXXX and was shown to be received and signed for on XX/XX/XXXX but never responded to. 


15 USC 1692 ( d ) harassment and abuse STRIKE XXXX XXXX reps were instructed not to make contact during business hours. They were given specific time slots when the phone would be free to receive calls pertaining to this account but the reps repeatedly deviated from that agreed XXXX  time frame and made calls at times which were disruptive to day to day business operations. Their own internal system notes reflect the fact that they were instructed to communicate during certain hours and their records will show the times they made contact with me during those hours and the duration of the phone calls. 

If we did a FOIA request of the transcripts it will also show that they were aware of their breaches and knowingly and willingly ignored the laws the govern when and how to communicate with alleged debtors per FDCPA 15 USC 1692 ( G ) No XXXX  day notice was given before they furnished this Negative item to my consumer report.. nor did they have my permission
Consumer complaint received 2023-09-28
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.
Consumer complaint received 2024-01-07
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: BARCLAYS BANK DELAWARE (AL)

" There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the XXXX that XXXX  financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX  and Barclays Bank is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : under the written instructions of the consumer to whom it relates. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make XXXX  consumer report containing XXXX  of the following items of information XXXX  other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. '' This account is an adverse item they are reporting again without my permission.
Consumer complaint received 2018-11-16
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affiliated Creditors, Inc. (TN)

On XX/XX/18, I received a letter from Affiliated Creditors Inc. stating an alleged debt in the amount of {$56.00} from " XXXX XXXX XXXX. '' This alleged debt came in response to my prior landlord giving me the ability to move out a day late, which was given in good faith over the phone on a recorded line. On XX/XX/18 I disputed the charge via an email to " XXXX  '' ( attached ). In this email, I included facts and proof of this conversation and agreement. On XX/XX/18, I was contacted back from ACI by  XXXX who informed me that I was still responsible for the debt. She could not provide me any insight or verification about the alleged debt since my supporting documentation. After reviewing the FDCPA, specifically section 809 which deals with the validation of debts, I called back to speak with XXXX on XX/XX/18 to ask for the " verification or judgment '' that was supposed to be mailed to me after my dispute. She became defensive and asked where I was getting this information. When I informed her this was from the FDCPA, she laughed it off and said " I will send you what I have. '' I asked what this was, and she asked what I had. When I told her I wasn't trying to play games, but simply wanted the verification of the debt, she said " I'm not fighting with you over {$56.00}. '' While this {$56.00} may not be a big financial burden for XXXX, it is to others. If {$56.00} isn't that big of a deal, than perhaps she should pay it. Regardless, she was only able to tell me that " there was nothing in writing because it was a conversation the apartment manager and their associate had over the phone. '' If this is the case, how am I as a consumer supposed to have any clarity to the debts in question? I doubt I will receive any further correspondence from her or ACI because of the way in which she handled herself. As a consumer, this worries me not only due to the financial nature of this ordeal, but also the credit implications it could have on my credit history. While XXXX may not take {$56.00} and a credit report seriously, I do.
Consumer complaint received 2024-01-16
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: EQUIFAX, INC. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on 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
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. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint a gainst you!
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (NY)

The following accounts were fraudulently obtained in my name without my permission or knowledge. I've contacting each creditor about the activity. Below are the dates the fraudulent accounts were opened and also the amount of the charges. 

AMEX Date opened : XX/XX/XXXX. 
Amount charged:XXXX. 

AMEX Date opened : XX/XX/XXXX. 
Amount charged : XXXX. 

XXXX XXXX Date Opened XX/XX/XXXX. 
Amount Charged XXXX XXXX XXXX Date Opened : XX/XX/XXXX. 
Amount Charged XXXX XXXX  Date Opened XX/XX/XXXX. 
Amount charged : XXXX. 

Please remove as soon as possible. 
THANK YOU
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (MD)

This is the XXXX complaint that I'm filing with your organization regarding Nelnet ( Complaint Number XXXX ). I received an email from your organization stating that my complaint has been forwarded to Nelnet regarding account # XXXX. Since I received the email from your organization, Nelnet has sent my account to the credit bureau and now my score has decreased by XXXX points. I applied for the XXXX Program which I stated in my previous complaint against XXXX. Nelnet has and is processing my XXXX loan # XXXX under the XXXX program but has not processed my XXXX loan which is attached to the XXXX loan under the XXXX program. It is stressful dealing with this matter since you can not get through to them without being on hold for long periods and they don't offer weekend hours. Also, they don't respond to the emails, especially the XXXX emails that I have repeatedly sent regarding the erroneous processing of loan # XXXX. I want my loan to be processed under the same program that the other loan is being processed since I applied for the XXXX program for both loans. This is truly incompetence at its best, failing to acknowledge a program that the customer has applied for, failure to comply with the guidelines that adhere to resolving disputes, and failure to communicate. Sending notices to the credit bureau without solving or addressing the issues is a sign of the inability to fairly handle the processing of student loans. I don't know who else or what other agencies to complain to about Nelnet 's unfair tactics and incompetencies but Nelnet needs to be held accountable.
Consumer complaint received 2023-11-08
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. (FL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights.has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section
Consumer complaint received 2024-01-04
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: TRUIST FINANCIAL CORPORATION (NJ)

TRUIST BANK denied XXXX XXXX XXXX XXXX XXXX  their credit and credit card on XX/XX/2023 unlawful. We email TRUIST BANK to Forward to XXXX XXXX XXXX, CFO of TRUIST BANK email sent. 
Requested Return receipt when XXXX XXXX XXXX receives email and Correspond through email. 
Never received a response from TRUIST BANK or XXXX XXXX XXXX
Consumer complaint received 2024-01-04
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: BARCLAYS BANK DELAWARE (NC)

This is a follow up with additional abuse by Barclays related to the claim # XXXX. 

Today I found another charge for {$63.00} pending from XXXX on my account which I closed! They have since sent me XXXX credit cards that I HAVE NOT ACTIVATED yet somehow this charge is pending on a card ending in XXXX. 

I saw that this account could be locked, so I locked it. This abuse has got to stop. How are cards being activated when I am NOT activating them?! All I want is my money refunded that was fraudulently charged on my account and to be done with Barclays. I never want to deal with this company again.
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: EQUIFAX, INC. (CA)

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries.

15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within 14 business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning XXXX XXXX EQUIFAX will be liable to me for statutory damages for XXXX  & EQUIFAXs misconduct as per the FCRA ( 15 U.S.C. 1681n ( a ) ( 1 ) ( A ) ).
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (TX)

I decided to check my credit report today. Only to find that I am being reported for late payments when I am on an Income based repayment plan. I have been on this plan for the last 12 months which they should not be reporting for late payments on my credit report due to late fees. I reached out to Navient today and spoke with a representative by the name of XXXX XXXX code # XXXX on XX/XX/XXXX. I spoke with her regarding this matter and I was told that I am on this plan until XX/XX/XXXX. I asked for what reason are they reporting late payments when I am on this plan.She then went on to state that it was because of late fees. I stated well that does not make sense. I also asked If I could request something in writing thats states this. She asked me to hold while she checks with the processing department. She came back to the line after 6 minutes stating that department was closed but she will put in the request for the information for me. I went to on to explain to her how that didn't make sense about being reported for late payments due to lates fees. I have done forbearances in the past or any kind of hardship assistance with my loans and they always report it as being in good standing to my credit report. I went on ton explain to her how I am already aware that I am on this plan until XX/XX/XXXX. Then after that I would then determine if I would like to apply for another Income based repayment loan or go with a forbearance. I can also go into my profile with NAVIENT and see that there are sums of XXXX balance due for each month while on this repayment plan. Please look into this matter I have already made a dispute with the credit bureau as well
Consumer complaint received 2024-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

Someone hacked into my dad 's USAA account, transferred money into my account and then transferred {$2600.00} out of my account. USAA said it will take XXXX days to get me the money back but I need it now, this is my only money. They also said I may be responsible for any overdraft fees which is not fair.

I also received a call from supposedly the CEO of USAA 's office and when I called back, they were unable to verify if it was a legit call.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2021-06-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

In XX/XX/2020 after pulling my credit reports, I noticed a negative account being reported by the company LVNV Funding LLC in the amount of {$1300.00}. I was not aware of who this company was and have never received any information from them pertaining this account nor had I ever received any notification or documentation from this company informing me that I could dispute this debt or that they would place this information on my 3 credit reports. 
I reached out to the company LVNV Funding LLC in XX/XX/2020, requesting a validation of debt since I had no knowledge of who this company was and had never conducted any business with LVNV Funding LLC. ( See attachments ). 
As of today, I have not received the items listed in the letter and the items continue to report on all 3 of my credit reports. 

The Consumer Financial Protection Bureau ( CFPB or " Bureau '' ) issued a second debt collection final rule that : clarifies the validation information and disclosures that a debt collector must provide to a consumer at the outset of debt collection communications and provides a model notice containing such information, prohibits debt collectors from bringing or threatening to bring a legal action against a consumer to collect a time-barred debt, and requires debt collectors to take certain actions before furnishing information about a consumer 's debt to a consumer reporting agency ( CRA ). Debt collector communication disclosure ; ( I never received it ) Debt collector 's name and mailing address ; Consumer 's name and mailing address ; I ( the debt collector is collecting a debt related to a consumer financial product or service, the name of the creditor to which the debt was owed on the itemization date ; Account number or truncated account number, if any, associated with the debt on the itemization date ; Name of the creditor to which the debt is currently owed ; Current amount of the debt ; Amount of the debt on the itemization date ; Itemization-related information ; ( I never received it ) Information about consumer protections ; ( I never received it ) Consumer-response information ; and ( I never received it Consumer dispute prompts. ( I never received it )