davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

I am writing to lodge a formal complaint against Navient for its aggressive and unethical debt collection practices that are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ). Despite my clear communication regarding my current financial situation, including the fact that I am in the process of being placed on XXXX, I have been subjected to relentless harassment, including multiple daily calls and unwarranted contact with my friends and family. 

The process of being placed on XXXX has been lengthy and through no fault of my own, it has taken over a year to receive a response. During this time, my financial situation has been precarious, and I have made this known to Navient representatives on multiple occasions. However, this has not deterred the company from attempting to locate me by reaching out to my personal contacts, despite having my up-to-date contact information on file. 

Moreover, during a recent interaction with XXXX XXXX, I was denied the opportunity to speak with a supervisor when requested. The agent insinuated that I have no rights under the FDCPA and proceeded to threaten legal action against me for funds I currently do not possess. The agents conduct was not only unprofessional but also deeply distressing, as they even threatened to target my XXXX grandfathers XXXX and XXXX XXXX benefits. 

This relentless pursuit has placed an immense emotional and physical burden on me and my family. It has caused undue stress and XXXX, which is exacerbated by the fear of financial insecurity for my XXXX XXXX 

I demand that Navient immediately cease these inappropriate collection tactics and adhere to the regulations set forth by the FDCPA. I also request a written apology for the distress caused and assurance that such incidents will not recur. 

Please take immediate action to investigate this matter and ensure that Navients debt collection practices align with legal and ethical standards. I expect a prompt response to this complaint and a resolution that respects my rights as a consumer.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: REGIONS FINANCIAL CORPORATION (MS)

I went into the bank after depositing a check for {$500000.00} and {$6000.00} to finance a transaction for a vehicle, I also had a letter of credit for security collateral and a finance statement from the Secretary of State to update my files and to begin consumer transactions. I was immediately denied and told that Regions Bf its Affiliates does not provide those types of services. She them called the police on me and had me wrongfully arrested. 

I have documents for regions, the federal reserve, FDIC, Comptroller of Currency, SEC, and the Treasury. I authorize you to send those documents to those agencies.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX ; XXXX, XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$20.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX XXXX XXXX : {$390.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX : XXXX XXXX XXXX ARKANSAS XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX Balance : {$460.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX XXXX XXXXXXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX  XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21
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. (CA)

On XXXX I sent a certified letter to each of the XXXX credit reporting agencies ; XXXX, Equifax, and XXXX, asking each of these companies to check and verify that the information in my credit report was accurate. All 3 credit agencies responded and said that they checked the information on my file and verified that it was correct.

I did a thorough research on my own and found inaccuracies on the credit report even after the 3 agencies said they did a thorough research! 

Name of the account : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX  Account # XXXX has violated my rights.

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the XXXX credit reports ranging from XXXX to XXXX inconsistency! 

See attached Latest Credit Report dated XXXX for all XXXX credit reports. 
See attached compiled PDF of pages XXXX of Credit Report showing XXXX XXXX
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

On XXXX I sent a certified letter to each of the 3 credit reporting agencies ; XXXX, XXXX, and Experian, asking each of these companies to check and verify that the information in my credit report was accurate. All XXXX credit agencies responded and said that they checked the information on my file and verified that it was correct. 
I did a thorough research on my own and found inaccuracies on the credit report even after the XXXX agencies said they did a thorough research! 

Name of the account : XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights.

15 U.S.C. 1681 section 602a States that I have to write to privacy 15 U.S.C. 1681 section 604a Section 2 : It also States : A Credit Reporting Agency can not furnish an account without my written instructions. 

For example, the Date Opened for the account had multiple dates on the 3 credit reports ranging from XXXX to XXXX inconsistency! 

See attached Latest Credit Report dated XXXX for all XXXX credit reports. 
See attached compiled PDF of pages XXXX of Credit Report showing XXXX XXXX
Consumer complaint received 2023-11-21
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. (NC)

I am writing to lodge a formal complaint concerning a significant data breach that occurred with Equifax in 2017, which has adversely affected my credit history and score since. 

Upon reviewing my credit report, I have noticed several inaccuracies and negative entries that coincide with the timeframe of the aforementioned breach. It is my belief that the data breach has directly resulted in these erroneous entries, thereby damaging my credit standing through no fault of my own.
Consumer complaint received 2023-11-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I had a XXXX on or about XX/XX/, I had to go on FMLA leave from my employer due to my untimely health event. While you are on FMLA you do not earn your paycheck but your job is secured. I phoned Credit Acceptance requesting a difference and or any way they could assist. I was vehemently denied any assistance on my monthly payments, and told they don't offer those programs. I began working again on XX/XX/, however, I was demoted, and reduced to part time, with restricted hours, which is already being addressed by my attorney and employer. I have been making payments on my vehicle on a bi-weekly basis, attempting to " catch up ''. I have received 8 to 10 phone calls daily from credit acceptance, some after XXXX XXXX. These are threatening phone calls, and excessive. This is not helping my recovery, but instead is causing undue stress to my health conditions. I have requested intermittent FMLA from my employer as other health conditions have been exposed by the initial health event. I do not need or invite their continued harassments when I have been attempting to get caught up on my finance loan. These business practices should be investigated.
Consumer complaint received 2023-11-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

Notice to principal is notice to agent, In pursuant to 15 U.S.C. 1602 ( l ) the term " credit card '' was used to initiate a consumer transaction. The term credit card or other credit devices existing for the purposes to obtaining money, property, labor, or services on credit. The term adverse '' action never mentioned anything to do with the consumer getting denied credit. In pursuant to 15 U.S.C. 1602 The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Credit is my right and I am the one who regularly extends credit in the connection with loans. In pursuant to 15 U.S.C. 1602 ( g ) I am the original creditor and I am well aware of my rights, I know that reporting to the consumer agencies is voulentary. This is a private transtion and this a unfaverable situation to me for the consumer. Nowhere in the term adverse action defined within the FCRA does it metion that a natural person can be denied credit. As the original creditor, it is not lawful to be denied my right to grant credit. Furthermore, my credit was used and I recceived no benifit for the use of my credit. A inquiry popped up on my consumer report which is a receipt of transaction meaning someone got paid off my credit and I reccived no benefit at all. In fact, damages were done from the denial of my rights mentally and financially. Ive been discriminated against as there are no federal laws that state a credit score can deny me a right to extend credit. I, in good faith exercise my right and I, the natural person have been discriminated against in pursuant to 15 U.S.C. 1691. For the damages that have been done to my mental distress and financial as I take my consumer report and life seriously, I will take this to a federal level if my request to open the accounts in which adverse action has taken place. Im aware of my open end credit plan, my right to contract unlimited without being denied. I demand your company reinvestigate this matter and abide by federal law and open up the accounts in which Ive extended credit. The inquiries on my credit consumer report is a clear indication of a transaction, a transaction consist of exchange of currency, goods, and or services in which I reccived no benefits from. I was discriminated against and according to the FCRA and also by the description of the United States Codes listed above this is a violation of federal law. I spoke with a XXXX XXXX from the Capitol One fraud and dispute department Agent # XXXX on XX/XX/XXXX  and she stated that Captiol One was unable to complete my request for reinvestigation and also that the company does'nt have any actions that could be taken further than the complaint that I sent and was unable to send any proof of correspondence to me concerning this matter Attorney in Fact for XXXX XXXX XXXX
Consumer complaint received 2023-11-21
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: Experian Information Solutions Inc. (AL)

My name is XXXX XXXX.. DOB is XXXX.. address is XXXX XXXX XXXX, XXXX , AL XXXX . I am a victim of identity theft due to the XXXX Data Breach. The following are fraudulent hard inquiries that I do not recognize and would like removed from my credit report ASAP. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-21
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CULLEN/FROST BANKERS, INC. (TX)

I started and signed up with frost Brokerage onXX/XX/XXXX. The fraud started that day. I discovered that XXXX XXXX and his family had taken over my financial identity and accounts and had been abusing my brokerages, bank accounts, taxes, loans, business and personal loans, vehicle loans, real estate loans, business buy out assets, XXXX XXXX XXXX trust funds, mutual funds, REIT s, tax refunds, credits, interest payments, beneficiary money due to me, trust account and personal accounts tax fraud, business trust fraud, company security certificate fraud, brokerage fraud, IPO rewards style fraud that the company ran the profits through my tax reporting every year illegally, etc..... 

It has been extremely dangerous and I am scared for my kids and my life here. Please help us. My cell phone is ( XXXX ) XXXX
Consumer complaint received 2024-06-27
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (FL)

ELAN Financial services our Fidelity VISA cards. I made a {$1000.00} payment in XXXX, ELAN credited my account, withdrew the cash several days later from my cash account, then reversed the payment claiming insufficient funds. The {$1000.00} was not refunded as of XX/XX/year>. 
ELAN is now holding all payments, not applying to the credit available and declining charges.
Consumer complaint received 2023-09-12
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. (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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$660.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$1700.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXXXXXX Balance Owed : {$920.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance Owed : {$2500.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00}. 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-11-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (NJ)

On XX/XX/2023 I received a text message from Chase fraud asking if I attempted to withdraw {$400.00}, immediately I wrote back and said no not even a minute later. Looking at my account I saw {$400.00}, {$300.00} and {$1500.00} withdrew from my account unauthorized. I never made this request nor does anyone have my information. I physically have my card on me, however, I saw that an unknown computer logged onto my banking account against my will and was told that they made the ATM request though there. Attached is the text message of me telling Chase that I did not approve this charge and a screenshot of the unknown computer. A temporary credit of {$700.00} was refunded to me, however, this was taken aback by Chase and as a result my bank account is now negative.
Consumer complaint received 2023-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (FL)

MRS BPO , LLC has put a collection on my credit file on behalf of XXXX, the address for the service has never been associated to me, I did not sign up for any services. I have never had an account with XXXX. I have already contacted them and informed them that this account isn't mine, I also disputed with XXXX multiple times, I refuse to pay for an account that isn't mine, I have a perfect credit record with no late payments or collections, and now I have to deal with a crooked company that is harassing me and creating credit problems.
Consumer complaint received 2023-11-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NV)

Dear PayPal Support Team, I trust this message finds you well. I am writing to appeal the permanent limitation imposed on my PayPal account, registered under the email address XXXX. I firmly believe this restriction has occurred due to a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities.

I have been a dedicated PayPal user for an extended period and have consistently complied with PayPal 's terms and conditions. Maintaining a positive and reliable relationship with PayPal is important to me, and I am fully committed to addressing any issues or concerns that may have led to this unfortunate situation. 

I kindly request that PayPal conducts a thorough review of my case, carefully considering the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient transactions, as I have done in the past. 

I sincerely appreciate your prompt attention to this matter and kindly request that you initiate the review process as soon as possible. If there are specific documents or details needed from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-10-19
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: JPMORGAN CHASE & CO. (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of :
Consumer complaint received 2017-05-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (WA)

I recently opened an account a t US  Bank in  XXXX . I deposited a PAYROLL check for over {$900.00} at an ATM machine at a branch today the   XX/XX/XXXX , 2017.      My name is  XXXX   XXXX  The machine told me that my available funds were somewhere just over {$100.00} and that the rest would be available soon. I went and started to spend money on small things I needed for my night/week that were well under the allotted {$100.00}.     Eventually, later in the day, my debit card was  DECLINED  as I tried to buy dinner at a  XXXX   XXXX  in  XXXX . Further investigation showed that my account was now OVERDRAWN by over {$100.00}. Mystified, I calle d US Bank and th ey told me that a hold had been put on the check. I complained, over the phone to the completely resource-less bankers a t US Bank 's  Customer Service Department, that the check was a PAYROLL check and that I needed the money to survive for the next week. They informed me that the hold would be fo r 5 busi ness days which means I will have no access to my own money, from a PAYROLL check, for over a week.     This is unacceptable as I need basic things like food and transportation with my check ( I have never had to wait this long for a paycheck to clear in my life, nor have I ever had a hol d put on one  retroactively after I had already been given a small advance ).