davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-20
Product: Credit reporting, credit repair services, 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. (FL)

I HAVE 26 FRAUDULENT HARD INQUIRES ON MY REPORT ..PLEASE REMOVE THEM ALL.. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-04
Product: Student loan — Private student loan
Issue: Getting a loan — High pressure sales tactics or recruiting
Company: Navient Solutions, LLC. (CO)

I attended the XXXX XXXX XXXX XXXX  between XXXX and XXXX. The XXXX XXXX have been found to have defrauded their students with false/misleading information and high pressure sales/recruitment tactics. I had taken out federal and private loans for this school. My federal loans have been discharged and refunded through Borrowers Defense to Repayment as a result of the XXXXXXXX XXXX XXXXXXXX lawsuit, but that settlement did not apply to private loans. There is now a group discharge on federal loans for everyone who attended the XXXX XXXX. I believe that due to the proven misconduct of my school that my private loans should also be discharged and refunded in full as my federal loans had been.
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (NY)

I have had 2 major incidents with Nelnet loan holder and want my formal complaint to be received and reviewed with care. The first issue was when my payment of {$45000.00} disappeared from my payment portal and yet the money was transferred out of my account. It took Nelnet 2 months to reflect the payment and in the first 2 hours on the phone they refused to provide any documentation that payment was received and would eventually clear. It was only after being transferred 3 times and in the later half of the 2nd hour on the phone was I finally able to get some documentation the payment was processing. 

Now, having paid all my loans in XXXX of this year, I saw a notice that I now had {$1000.00} due. This was an alarming error. I called and was again on the phone for 2 hours to finally be told it was an error and a ticket to correct the error was getting issued. No documentation was provided to me. I was told it would take 6 weeks to reflect the correction. No apology. I can't help but think this error of a new FALSE balance due is happening on other accounts and it seems like fraud.
Consumer complaint received 2023-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC. (TX)

XXXX different hard credit inquiries have been submitted by an unknown person and without my authorization. 
The first one was submitted in XX/XX/XXXX by a company named XXXX XXXX. 
XXXX XXXX XXXX XXXX, Georgia XXXX ( XXXX ) XXXX A second hard credit inquiry was made in XX/XX/XXXX by Ally Financial XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX I have not apply for any loans, credit cards, or have authorized any credit inquiry.
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I recently disputed a 30 day late that was inaccurately reported on my Transunion Credit Report and have not gotten a response. This has been more than 60 days.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has issued a credit card in my name that shows up on my XXXX credit report : Account number XXXX Account type Credit card Date opened XX/XX/2022 I never applied for, nor have I ever had business with Bank of America. Bank of America refuses to close this card.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The company suddenly closed my accounts without notice beforehand or after. They suspended my XXXX brokerage accounts and denied me access to my records offline and online. I called several times requesting the documents be mailed to me and a valid reason for closing down my accounts, the representatives essentially just hang up the phone after saying they could not access my accounts since they have been closed. Without any reason or notice they closed my accounts and kept my records. I have to file my taxes and without those I can not do so because I will run afoul to the IRS. I am appalled at the level of incompetence and rudeness of those people.
Consumer complaint received 2024-05-04
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (CA)

I have a XXXX XXXX credit card with Chase. It is set up for automated payments ( full balance ) every month on the due date of XXXX of the month. On XX/XX/XXXX ( due date ), the automated payment did not go through due to NSF in my bank account. My bank ( XXXX ) informed me that a payment failed. I went into the Chase app to make the payment, but it said " pending '' AND showed a XXXX balance due! On XX/XX/XXXX, Chase tried again and successfully took the money owed. Consequently, for the " late '' payment, they charged me $ XXXX in interest, which they did not email/notify me about. They also did not take the {$110.00} payment through the automated setup. Now, in my XXXX statement, they charged me $ XXXX of interest fees, because there was an " outstanding balance '' on the account. Now, to be clear, after speaking to a couple of people ( including a supervisor ), they have reversed the charges so this is more about what needs to change : There are many things wrong here that need to be fixed : XXXX. They should inform me about the interest charge and give me the opportunity to pay it right away. They email and text for *every* transaction I make, but omit letting me know about the interest fee? 
XXXX. I called them and asked to move my automated payment date to 4 days before the due date ( to avoid such a situation in the future ) and they said that they have no way of doing that. If I set an automated payment through them for the full balance, I can do it ONLY FOR THE DUE DATE. This causes a snowballing of interest and late fees in an event of a failed payment.
Consumer complaint received 2023-11-16
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Professional Debt Mediation, Inc. (PA)

I have told this company to cease communicating with me about this account ( XXXX ) and they are still communicating with me indirectly via credit reporting. The fdcpa states that once a consumer notifies a debt collector in writing of refusal to pay or to cease all communications, a debt collector may not communicate with the consumer. In that act, the term communication is defined as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium. I demand this company to cease all reporting and to compensate me for violating the Fair debt collection practices act.
Consumer complaint received 2024-05-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

My name is XXXX XXXX and I lost my debit card on XX/XX/year> and I reported it to Fifth Third Bank ( XXXX  ). I informed the bank that my card was stolen between XXXX as I did not go to XXXX to use the {$12.00} cent that I reviewed on my XXXX XXXX XXXXransaction. The bank has implemented a rule that I have to fill out the dispute form before the debit card is shipped out. I believe that neither are related as I need my debit card because I have a family to take care of, bills to pay, interviews to prepare for, and a planned trip for my birthday. The bank 's final decision is that I must wait until I fill out the dispute form before receiving the debit card that will be sent out in XXXX business days while the dispute form will be sent out before in the same amount of time. That results in two weeks that I will not have access to my funds. 

I would like Fifth Third Bank to ship my card along with the dispute form so that I can have access to my funds.
Consumer complaint received 2023-11-16
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. (NY)

I have repeatedly reported instances of non-stop and disrespectful contact from your agencies during inappropriate hours, despite my efforts to address and rectify the situation. In addition, my request for proof of application to your companies resulted in an onslaught of emails and bills, indicating a monthly membership cost, which I find to be both unjust and in violation of consumer rights. 

Per 15 USC 1681n, each violation incurs a fine of {$1000.00}. Given the persistent nature of the violations, I demand immediate cessation of the unwarranted communications and a thorough investigation into the aforementioned issues. Furthermore, I expect prompt remediation and an official response outlining the steps taken to rectify the situation. 

I am prepared to escalate this matter to legal authorities if necessary, and I trust that it will not come to that. Your cooperation in resolving this matter expediently is appreciated.
Consumer complaint received 2023-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC. (NV)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-16
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (PA)

This complaint is against Comenity Bank with the Lane Bryant Credit Card. 


I received my XX/XX/2023 statement for this card with a due date of XXXX for a balance of {$220.00}. On XXXX I paid the balance of {$220.00}. On XXXX, Comenity Bank erroneously charged me interest of {$4.00}. Since it is a store specific card, and I paid the balance, I had not logged back into the card until XX/XX/2023 when I went to make a purchase and my card would not work. I messaged the customer care department and they told me my credit limit was reduced ( from {$300.00} to {$100.00} ) because I was late on my payment. I never received mail, and email, a phone call, or anything from Comenity Bank telling me my balance that I didnt even think that I had was overdue. 

The credit card statement I receive each month states the following : HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. **We will not charge you interest on purchases if you pay your entire balance by the due date each month**. 

My due date was XXXX, and my balance was paid in full on XXXX. 
They have also since then assessed fees and interest charges, totaling my now balance they are saying I owe of {$23.00} as of XX/XX/2023. 

I have been going back and forth with them now since XXXX regarding this. I dont care about the credit card, I asked them to close it out, but my issue is they are trying to say I owe interest I do not owe. I have requested several times even to attempt to settle out the account and be done with it to pay the {$4.00} that I should not even owe if they would refund the fees so we can be done with it and they refuse. I dont think I should even owe the XXXX, as their own terms state that they will not charge me interest if i pay my entire balance by the due date of each month, and my entire balance was paid by the due date of the month. 
everytime i bring this up to them, they just send me the same message that i was charged interest on XXXX of XXXX, and completely dismiss the fact that the interest should not have been charged on XXXX because they received payment in full on XXXX. 

Please help me, because this is very frustrating. I shouldnt even have to have had to close the card out and do all this. I have had this card for years, usually use it seasonally then pay the balance off in full and then the next season do the same thing again, as i am seasonally shopping for clothing items. 

thank you for your help.
Consumer complaint received 2023-11-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (PA)

This company has violated my consumer rights and has defamed my character by attempting to collect an alleged debt and reporting it to consumer reporting agencies. Because of this I could not purchase a home or gain a credit card. I never gave this company my information or endorsed an instrument with them. Pursuant to 12 CFR 1006.6, more specifically subsection ( c ), this is a notice to cease all communications as the Fair debt collection practices act describes it which includes both direct and indirect communication on ANY medium except that you may ONLY communicate with me under the stipulations that you will send me validating information such as the entire purchase agreement ( and other validating data ) and/or to respond to ANY complaints from the Consumer Financial Protection Bureau ( cfpb ). In case this company feigns ignorance, I attached a screenshot of the XXXX website explaining how the FDCPA defines communication. I did not endorse an instrument with LVNV FUNDING nor have they provided proof that I did with my wet ink signature, they only purchased a contract and are trying to collect without having it endorsed first which violates Uniform Commercial Code 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee
Consumer complaint received 2023-08-02
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: DISCOVER BANK (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-04-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (OH)

I went to move my XXXX cryptocurrency from coinbase to another account. And got a message saying my account was locked until XX/XX/year>. 

They will allow me to cash out my cryptocurrency for USD and move my money back to the bank, but they will not allow me to move my cryptocurrency, exchange or buy more. 

I have been on the phone with them several times. And keep getting the same message that it is being reviewed. That was over 4 days ago and I still have had no response from them.
Consumer complaint received 2024-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (SC)

This is my 2nd complaint on Naviant XXXX XXXX. I'm a co-signer for my daughters loan. The aggressive approach of non-stop calls all day, is causing me health issues. I have asked Naviant to stop calling me, and to focus on my Daughter who is the primary loan holder.

This company has many, many similar complaints for phone harressment, but CFPB keeps closing each complaint, and Naviant continues there illegal loan collection tactics. 

I need to be released from this loan. I'm retired and on a fixed income. This loan is XXXX XXXX XXXX. 

When, CFPB, is someone going to do something about Naviant. 

Please help me CFPB.
Consumer complaint received 2023-11-16
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC (CA)

They will not email any documentation. They would not speak with other dealership to get a payoff. In my opinion this was all done to keep you in there loan to make money as well as make it difficult to make payments for late fees and repo. I understand that many companies use outsourced for customer reps but this was the absolute worst I have ever experienced. So pay some random person on the phone hundreds of dollars a month and hope it gets to your account. Good luck trying to escalate to a supervisor or another department. They just hang up over and over. They are crooks and scumbags. 
As you can see from their form letter response that they just insert a name they clearly are clueless. They spelled the name of an aggravated customer wrong. Cut and paste is too difficult for them to get right. This company and every employee is completely incompetent
Consumer complaint received 2024-04-30
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (FL)

I had an old XXXX  bill that was XXXX XXXX XXXX that was charged off that I never opened, I complained about it being identity theft so I believe it was taken off but know I just received a notice in the mail from Jefferson capital on XX/XX/2024 saying they bought this old account and they are demanding payment from me of XXXX, XXXX cant pay them if I dont owe them or have any contract wit me and that company with my name or signature on any paperwork agreeing to any terms as stated in 15 u.s.code 1601 and also 15 u.s.code 1692c
Consumer complaint received 2023-09-21
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: EQUIFAX, INC. (FL)

INNVESTIGATE THESE INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INVESTIGATE THESE ACCOUNTS XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX
Consumer complaint received 2023-11-16
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. (KY)

I am consumer. I am XXXX XXXX XXXX, SSN # XXXX. This written by me and not a third party or law firm. Equifax is obligated by FCRA to report accurate accounting consumer has advised all reporting is still inaccurate and missing data. I requested Equifax send METHOD of VERIFICATION in 15 days three times. I have not received it. Equifax has continued to violate my consumer protected rights. I am NOT requesting a reinvestigation and I am NOT requesting e-oscar report. According to LAW Equifax had 15 days to provide the documentation used to verify my disputes. Equifax must provide me with the name of the person spoken to, documentation used, consumer signed wet ink signature written. If Equifax does not have documentation to show there were in fact accurate it must removed ASAP. Consumer is seeking monetary damages according to FCRA 15 USC 1681o, Civil liability for negligent noncompliance and 15 USC 1681n civil liability for willful noncompliance violations {$10000.00}. Equifax commission file number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX will be filing form 211 treasury omb form to audit consumer account. Equifax is securitizing consumer data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.