davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-09
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Eastern Revenue, Inc. (PA)

XX/XX/year>, my credit was charged from XXXX XXXX XXXX XXXX XXXX  AR but i never attended the school. I never applied for a loan nor did i start the process of intake for the school. Code 15 USC 1692C ( c ) states If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-daXXXX period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A. ()

I am writing to file a formal complaint regarding the sudden closure of my Citibank account without any prior notice or explanation. I found that the account was closed at XX/XX/2024, but I have no idea when it was closed. I have more than XXXX USD in the account. I have no idea where is the money
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: GOLDMAN SACHS BANK USA (IL)

I have a negative XXXX $ balance on the card. I am asking for balance transfer back to my account. Nobody is getting back to me about anything. They closed my account and also didnt provide any reason or information. The support team that answers calls can only put in request and see whatever emails we get. Other than that they are clearly not very affiliated with the bank they never know anything more than me and can only put in requests for someone to contact me but I never get contacted back. I am now experiencing financial hardship because of the slow process. Its been over a month since I started requesting this balance transfer.
Consumer complaint received 2024-05-09
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc. (NJ)

I made monthly money order payments to Mr. Cooper from XX/XX/XXXX to XX/XX/XXXX in the amount of {$3300.00}, and payment in XX/XX/XXXX and XX/XX/XXXX in the amount of {$3300.00}. Mr. Cooper did not credit the payments to the mortgage loan. Each month Mr. Cooper would send letters stating the payments were returned but Mr. Cooper did not send me a check refunding the money. Also, Mr. Cooper did not return the original money orders mailed from XX/XX/XXXX to XX/XX/XXXX. I filed a complaint with the Consumer Financial Protection Bureau requesting that either the money be credited to the loan and the loan amount reduced by the interest, late fees, attorney fees, etc. that accrued in XX/XX/XXXX to the present due to Mr. Cooper 's failure to credit the account, and rehabilitation of my credit score, or a refund from Mr. Cooper in the amount of {$23000.00} plus interest for the amount of time Mr. Cooper has possessed the money and rehabilitation of my credit score. Mr. Cooper has neither returned the money nor credited the mortgage loan account. The balance of the mortgage loan should paid in full by Mr. Cooper. On approximately XX/XX/XXXX Mr. Cooper responded that it was working with Account XXXX Department regarding the status of the money order sent. As of the date of this complaint, Mr. Cooper never provided me with a written response advising of the " status '' of the money orders received by Mr. Cooper.
Consumer complaint received 2023-08-04
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: Resurgent Capital Services L.P. (AL)

XXXX unlawfully furnished personal information on credit report and also furnished to non affiliated third parties without my consent which is illegal and not lawfully. 

According to USC 1681 ( a ) ( i ), transactions between the consumer and person furnishing the report IS NOT supposed to be included in a consumers credit report.
Consumer complaint received 2024-05-09
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION (MT)

This complaint is regarding a new savings account I opened with XXXX Webster Bank on XX/XX/year>. After being approved for the account I enrolled in online banking and registered for external transfers to fund my account. I received a confirmation from Webster Bank stating " Congratulations! The registration process enabling you to transfer money to your external accounts is now complete. '' I also received a confirmation from my primary banking institution, XXXX XXXX, confirming the account sharing with Webster Bank. Using the Webster Bank online platform, I initiated a transfer of {$34000.00} from XXXX XXXX to my new Webster Bank account. Later that night I received an email from Webster Bank that my transfer was stopped " for security reasons. '' No additional information or remedial action was provided by Webster Bank at that time. I then attempted to add the Webster Bank account to the external transfer profile of my primary XXXX XXXX bank account. XXXX XXXX required account verification by making two small trial deposits into the new account which I was to see and verify. 
On XX/XX/year> I received notification from Webster Bank that my External Transfers profile was suspended. 
On XX/XX/year> I attempted to log into my Webster Bank account but was unable to. I called the customer service number and spoke to XXXX XXXX. He did not permit me to view my account but essentially circumvented the intent of the XXXX XXXX verification deposits by reading me the value of the deposits. Additionally, he required a copy of my XXXX XXXX bank account statement in order to verify the account. He sent an email to me while we were on the phone requesting a copy of my bank statement and drivers license. The email did not come from the same " Webster Bank '' address as the previous emails but came from " onlinebanking. '' Replying to the email, I expressed that I was uncomfortable transmitting sensitive information about my account via email, but no other option was provided to me. I requested access be restored to my Webster Bank online banking account but XXXX maintained that the XXXX XXXX statement was required to regain access to online banking. I suggested the following hypothetical to which I received no further response : " Hypothetically, if I no longer wish to fund the account from XXXX XXXX, there should be no need to provide sensitive information from another institution in order to access my XXXX account. ''
Consumer complaint received 2024-05-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Portfolio Recovery Associates is trying to take me to court in Massachusetts from a time-barred debt from XXXX. They sent me something recently in the mail that my USPS informed delivery showed which I haven't received yet. I called on Monday morning around XXXX XXXX est Monday XX/XX/XXXX to ask them about it and the customer service agent said they are taking me to court. I mentioned that this debt is beyond the statute of limitations for both Massachusetts and the federal level, but the staff was pushy and scary. I am a citizen who receives XXXX and is trying to get back to working and not be on XXXX with a Massachusetts XXXX XXXX XXXX XXXX. The federal protection consumer bureau has also won a lawsuit against them for their illegal practices. The court case is 2:23-cv-110 in the Federal court of Virginia.

Additionally they tried taking me to court for this debt in XXXX in XXXX XXXX XXXX ( XXXX ), in which they were not able to win a judgement against me as I was on XXXX only at the time. Their lawyer made a court appearance about this debt this past monday ( on an XXXX XXXX XXXX court case ).
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (OH)

Citi is not applying my payments to my highest interest rate balance, resulting in an unending cycle of illegal interest charges. 
I opened a Citi Double Cash card to take advantage of a no interest balance transfer offer on XX/XX/2024. Between then and XX/XX/XXXX, I made {$4800.00} in purchases. 
Throughout that time period, I made 17 payments totaling {$5000.00}. This includes three minimum payments, which under Citi 's terms includes the total amount of interest due each cycle as well as portions that will be applied to the balance transfer and standard purchase balance. The minimum payments for this period totaled {$390.00}. 
As such, at least {$4600.00} should have been used to pay down the standard purchase balance, which has an interest rate of 23.24 percent. It should not have been used to pay down the balance transfer. 
The balance transfer of {$10000.00} was made XX/XX/XXXX and came with a {$300.00} fee on XX/XX/XXXX. 
For the statement ending XX/XX/XXXX, Citi reports that the remaining balance transfer balance is {$7900.00} and the remaining standard purchase balance is {$2700.00}. This makes it abundantly clear that the payments are not going to the highest interest rate balance. As such, interest charges will continue indefinitely. 
I called Citi on XX/XX/XXXX to have the situation addressed. I was on the phone for 90 minutes. Citi insisted that the payments were going to the standard purchases when it was clear that they were not. 
I called again on XX/XX/XXXX and was on the phone for almost the entirety of the period from XXXX XXXX. until XXXX XXXX. I was redirected to four different numbers. I was told they would transfer my payments to my standard purchases. I asked if they would send me an email confirming that they would do this and they told me I would receive an email in 24-48 hours. No email arrived. 
Subsequently, I received a letter in the mail dated XX/XX/XXXX that repeated my card 's terms concerning the application of payments, which if followed would be legal, and then said this was the reason they could not apply my payment as requested, which is illegal per the CARD Act. 
Finally, today on XX/XX/XXXX, I called to see if they would confirm how much I have made in purchases and how much I have made in payments since the card was opened. The customer service person said they could not do this. But, he confirmed that my current purchases balance is {$2400.00}.
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

In accordance with the fair credit reporting act, The company XXXX XXXX XXXX XXXX account XXXX, has violated my right 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
Consumer complaint received 2024-04-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (IL)

The bank sent a text and stated my account was going to be closed out. I called them and they would not provide me with any details. I feel that I am be unfairly treated because I dont think that the bank should be closing my account in the first place. They have never indicated that there was something wrong with my account. My direct deposit goes into this account and I would like to keep my account.
Consumer complaint received 2024-05-09
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

I recently logged into my chase account and saw that my account status is : account closed. I didnt know why so I called customer service and they told me because of the number of disputes on my account. I literally make sure to use my chase credit card when making big purchases online in case of anything going wrong I know I can rely on my credit card to protect me. Recently I had purchased some things for my business and XXXX recently large purchases. XXXX was for {$2000.00} and another for {$1000.00}. The first purchase I received a different bag from XXXX so I contacted the merchant and they refused to help so I filed a dispute and won. The second purchase was an online store in XXXX and they sent me a fake branded bag. I disputed the charge and I provided information about returning the bag back to the merchant and chase refilled my account. I called over and over to ask about why and I provided tracking that shows I sent back the item and chase says now theyre still working on it. But they closed my account without warning. I thought I could use my credit card because it protects me from online scammers and purchasing goods. But now Im stuck. Ive had this account for over 10 years.
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (GA)

Dear Sir/Madam, I am writing to bring to your attention a concerning discrepancy in the information being reported on my credit report by LexisNexis regarding XXXX bankruptcy. Upon reviewing my credit report, I noticed that LexisNexis is inaccurately reporting information related to bankruptcy proceedings. 

In an attempt to rectify this issue, I contacted LexisNexis to request verification and validation of the reported information. I was informed by LexisNexis that the information they provided was sourced from XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX ). However, upon further investigation, I reached out to XXXX directly via mail, and I received a response from a point of contact named XXXX. In her email, XXXX explicitly stated that XXXX is not affiliated with LexisNexis and does not engage in contacting consumer reporting or credit reporting agencies. XXXX simply provides access to federal court records. 

This revelation raises significant concerns regarding the accuracy and reliability of the information being reported by LexisNexis. It appears that there has been a misunderstanding or misrepresentation of the source of the information provided by LexisNexis, which has resulted in erroneous data being included in my credit report. 

I am reaching out to the Consumer Financial Protection Bureau to request assistance in resolving this matter and ensuring that the information on my credit report is accurate and compliant with the Fair Credit Reporting Act ( FCRA ). I kindly request that an investigation be conducted into the practices of LexisNexis in sourcing and reporting credit information, specifically regarding bankruptcy proceedings. 

I appreciate your attention to this matter and look forward to a prompt resolution. Please feel free to contact me at XXXX or via email at XXXX if you require any further information or clarification. 

Thank you for your assistance.
Consumer complaint received 2023-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

Debt Recovery Solutions have never contacted me about owing any kind of debt before placing an entry with all XXXX credit bureaus which informed me that a company XXXX XXXX XXXXXXXX XXXX out of Utah ) believes I owe them money. I have never taken out a loan or any loan with this company. However, I saw an entry on my credit report that Debt Recovery Solutions pulled my credit report right before they made the entry on my credit report. 
I sent a registered letter to Debt Recovery Solutions to provide information to me such as why they believe I owe money, including all pertinent information that would prove that I owe money, but haven't heard back since I sent the letter on XX/XX/2023. 
I have also contacted XXXX XXXX XXXX, but they don't have any record of me in their system.
Consumer complaint received 2024-05-08
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: FC HoldCo LLC (MO)

I am writing this complaint to bring to your attention a concerning issue I recently discovered on my credit report. On XX/XX/XXXX, I obtained a copy of my credit report from XXXX and XXXX. I was alarmed to find XXXX charged off accounts listed on my report. 
FLAGSHIP CREDIT ACCEPTANCE ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have filed a dispute with XXXX and XXXX on this matter more than 60 days ago and nothing has been done on this dispute. I also asked for a letter of validation or contract. I will also attach my dispute methods regarding these issues. 

In addition to the unauthorized charged off accounts on my credit report, I have also noticed that there are discrepancies in the dates of the accounts being reported. The dates listed do not align with any financial transactions or activities that I have engaged in, further confirming that these accounts are fraudulent and should not be associated with my credit history. 

Furthermore, I have taken all necessary steps to protect my personal information and prevent identity theft, including regularly monitoring my credit report and promptly addressing any discrepancies that may arise. It is concerning that despite my efforts to maintain the accuracy of my credit information, these unauthorized accounts have still managed to impact my credit score. 

I am seeking the assistance of the Consumer Financial Protection Bureau to investigate this matter thoroughly and expedite the removal of these fraudulent accounts from my credit report. I believe that taking swift action to rectify this issue is essential to preserving my financial integrity and ensuring that my credit history is reflective of my responsible financial behavior. 

I appreciate your attention to this matter and look forward to a prompt resolution. Thank you for your assistance. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2024-05-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (AL)

A charge off is considered a certificate of indebtedness which means it is income and must be removed. I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. According to the IRS Article, a charge-off is considered a certificate of indebtedness. Per the IRS income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate.
Consumer complaint received 2024-03-25
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. (TX)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2023-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be blocked ( A ). I will take legal action against you if you do not remove these items. Please follow the law so that this situation can be settled quickly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.