davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Southwest Credit Systems, L.P. (PA)

Subject : Dispute of Collection Account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2024 Southwest Credit System XXXX XXXX XXXX XXXX, XXXX XXXX Dear Sir/Madam, I am writing to formally dispute the collection account listed on my credit report under account number XXXX. The purpose of this letter is to request validation of the debt as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 

I dispute the validity of this debt and request that you provide the following information : 1. Verification of the debt amount and detailed breakdown of charges.

2. Proof of your legal authority to collect this debt.

3. Documentation establishing the original creditor and the nature of the debt.

4. Any agreements or contracts bearing my signature related to the debt. 

Please note that until you provide the requested information, I consider this debt to be disputed. Pursuant to the FDCPA, please cease all collection activities until the verification process is complete. 

I expect your prompt attention to this matter and a response within 30 days of receiving this letter. If you are unable to provide the requested information, please remove the collection account from my credit report. 

Thank you for your cooperation in resolving this matter promptly. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-07
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The title of this misconduct is : Direct Deposit Diversion Fraud. 

In a nut shell, I gave the XXXX XXXX XXXX my direct deposit form, and the money continues to get diverted once it reaches my real account. And I continue to see my personal deposits. Below is what I recently emailed Law Enforcement : Back in XXXX, I found out I was missing out on checks being mailed to my XXXX XXXX XXXX XXXX XXXX XXXX XXXX. At the same time, several people were picking on my body daily. So, I called the XXXX XXXX XXXX  and told them I'm not the one cashing a penny. I'm the one going through bone and organ theft due to the fact that I'm not receiving the money. FXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXX XXXX : XXXX. 
Time went on, nobody called me back and money kept getting stolen. Finally, I decided to email the XXXX XXXX XXXX my direct deposit form by XXXX XXXX XXXX  I asked them to please send " all '' that money being disbursed under my social security number, XXXX  straight to my personal checking account because I'm still missing out on every penny. Well the disbursement kicked in XXXX XXXX XXXX {$6000.00}, and that's when Direct Deposit Diversion Fraud kicked in. I've missed out on every penny since XXXX of XXXX. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please have the Bank with XXXX XXXX XXXX recall every penny since XXXX of XXXX. The checks can also get recalled, but I'm filing this complaint on the Direct Deposit Forms. I've reached to XXXX XXXX XXXX XXXX  at least three times since the first Diversion Fraud. Then have them ensure I see every penny I missed out with all future deposits. 

Thanks - XXXX XXXX XXXX XXXX : ( XXXX ) XXXX
Consumer complaint received 2024-05-15
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (CA)

Dear Sir/Madam, I am writing to formally complain about a serious issue concerning my credit card associated with Home Depot and the subsequent lack of support provided by their customer service team. 

In XX/XX/2024, I received a notification alerting me to a charge on my account. As I still have possession of my card, I believed this to be fraudulent, so I immediately attempted to contact customer service to verify the transaction, understand its details, and dispute it. Despite my efforts in calling the team three time, I am extremely dissatisfied with the responses received.

Each time, representatives were unwilling to disclose any details of the transaction, including the amount, which is vital for verifying the legitimacy of the charge. Also, I asked for the appropriate mailing address to formally dispute the charge and express my intention to close my account because of this breach. Regrettably, the team failed to provide the necessary support or guidance on how I could proceed with these security concerns.

This experience not only raises significant concern over Home Depot 's security measures but also suggests a disappointingr care and accountability in handling potential fraud situations lack of custome.

Therefore, I am requesting an immediate resolution to this matter by : 1. Providing me with the transaction details of the disputed charge.

2. Issuing a reversal of any fraudulent charges incurred on my account.

3. Providing the mailing address where I can send a formal dispute and request for account closure.

4. Closing my account posthaste to prevent any further unauthorized activity.

Please treat this matter with the urgency it requires, as it affects my financial security and trust in Home Depot. I expect a response from Home Depot, failing which I will have no choice but to escalate this issue through legal channels and report it to the relevant financial oversight and consumer protection agencies.

Thank you for your prompt attention to this serious matter. I look forward to your swift response and resolution.
Consumer complaint received 2024-01-06
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc. (NM)

Bank is collecting from present owners for debt of prior two owners Apparently XXXX XXXX has personally accepted responsibility of the debt in the letter, and he has closed on a property in Florida where he got XXXX cash to pay his debt to the bank. 

We already paid cash for this property and the bank and their attorneys collected XXXX cash for the sale of the home deposited in increments of XXXX in the trust account that the atttoney XXXX XXXX got funds and documents by order of the nationstar bank. 

bank XXXX XXXX already collected about XXXX XXXX XXXX that along the XXXX that natiobstar has is XXXX that offsets the XXXX XXXX original note that XXXX XXXX XXXXXXXX bought, That should leave a smaller balance of about XXXX The bank bought their loan for XXXX XXXX XXXX XXXX  and offered it for sale for XXXX XXXX which we already have paid to the bank, The collectors that the bank sent wanted XXXX for it, so we agreed to pay that minusthe cash already paid XXXX leaving a balance of about XXXX that we can get through a loan with XXXX XXXX XXXX per the terms stipulated in court documets filed recently. 
It is our property and we live in it as our homestead and our personal residence for the last 15 years the XXXX XXXX XXXX XXXX XXXX XXXX and have apparently as discovered by XXXX XXXX XXXX saved cash for 15 years in a llc that paid off a home that was sold for cash for XXXX cash to them in XXXX neither XXXX XXXX XXXX XXXX XXXX asked for a payoff. of the lien that the XXXX XXXX have in XXXX that nationstar filed..
Consumer complaint received 2024-01-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States 604 A Section 2.

It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason or purpose.
Consumer complaint received 2024-01-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Texas Guaranteed (TX)

XXXX XXXX XXXX  - Texas Guaranteed Student Loan Corporation executed several federal XXXX XXXX Master Promissory Notes between XXXX XXXX  ( lender ) and XXXX XXXX ( borrower ). The loan includes a 100 % origination fee to the student loan request which is considered predatory. Additionally, the university had an 18 % student default rate at the time of the loan. The borrower was unaware of the default risk until after the loan was executed and transferred to the US Department of Education. As a result, the borrower has never been able to keep up with the unfair loan services.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION (WV)

Capital One 360 savings account has been my online account for many years. In XX/XX/2022, I understood that this online account was paying 4.35 % interest rate. I began transferring larger sums of money to this account to take advantage of the increased interest rate. I ended up having over {$62000.00} in this account. Upon checking this account recently, I discovered I had received only {$160.00} in interest for the year. Upon further research I discovered that Capital one 360 and Capital One 360 Preferred are two different types of accounts. These names are used interchangeably in the literature from Capital One. Because of this, I believed the Preferred was just a descriptive term, not a separate type of account. I was receiving only .30 % on my savings, not the 4.35 % advertised that was the reason I moved money to that account. I believe the practice of using the names of these accounts interchangeably to be very misleading, deceptive, and unfair. I believe I should be reimbursed the more than {$1000.00} I would have received if my account was getting the 4.35 % advertised by Capital One 360. I have had savings with Capital One for years and have felt that they were in my best interest, but I feel very much as though I was taken advantage of with this happening. Thank you for consideration of this matter.
Consumer complaint received 2024-01-06
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tesani Management Inc (MO)

This company has put inaccurate information on my credit file to receive money over I debt I have not even agreed or my arrangement with. I don't even know this company but on XX/XX/2024 I checked my credit report to see about my credit score and noticed this new Collection Agency has reported information on my credit file which is a violation of FCRA. I never received a written letter or anything from this company to feel like I owe them any thing or debt. I have proof to show how this inaccurate information is reporting on my credit file which is damaging my life. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX, MO XXXX XX/XX/2024 XXXX XXXX XXXX Subject : Cease and Desist Letter Dispute of Collection Accounts on My Credit Report Dear XXXX XXXX XXXX, I am writing to formally dispute and request verification of the collection accounts that appear on my credit report, which are allegedly being pursued by XXXX XXXX XXXX. I have discovered these entries on my credit report, and I am deeply concerned about the negative impact they XXXX have on my creditworthiness. 

I dispute the validity of the aforementioned collection accounts for the following reasons : 1. Lack of Verification : I request that you provide detailed documentation validating the debt, including the original creditor 's name, the amount owed, and the dates of the alleged transactions. Failure to provide this information will result in my rejection of the validity of the debt. 

2. Verification Period : According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request validation of the debt within 30 days of receiving this letter. Please consider this letter as my formal request for validation.

3. Cease and Desist : I demand that all communication related to the collection of this debt cease immediately. This includes any phone calls, letters, or other forms of communication. Continuing to contact me in regards to this debt without providing proper validation will be a violation of the FDCPA.

4. Reporting to Credit Bureaus : I expect that you promptly update the credit reporting agencies to reflect that the debt is in dispute. Any failure to do so may result in legal action against your agency for inaccurate reporting.

Please be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am prepared to take legal action if necessary to protect my rights.

I expect your prompt attention to this matter and the provision of the requested documentation within the stipulated 30-day period. Failure to comply will leave me with no choice but to pursue legal remedies available to me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-01-06
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (GA)

In the month of XX/XX/2023 I made a lump sum payment to the company US Auto Sales, This was after I had to put {$4200.00} into repairs on the vehicle that they wouldnt fix, nor reimburse the monies, The first week of XXXX the vehicle was repossessed by the company, no notices or attempts.the end of XXXX I received an letter stating that the vehicle would or was stole at auction. The First week of XXXX I was harassed by Westlake financial services stating that I owed them {$18000.00} plus dollars this after making payments on the vehicle for almost XXXX years with US Auto Sales, I informed the representative that I didnt have possession of that vehicle since XXXX. They stated that they were the new account owners and that I still owe. Now both lenders are on my credit and both is refusing to remove the negative balance
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-05-15
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

I have applied to get a personal loan and placed the application. I went back to webster bank where I applied and they told me to call the customer service number to get a status on my application and they told me that I have to go back to the bank and get the information. When I went back to the bank they told me that the application process is out of there hands and could not help me any further. I called the customer service number again and they could not tell me anything. I kept getting the run around something needs to be done about this. It had all my personal information and I don't now what they did with my application.
Consumer complaint received 2024-01-06
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (LA)

I tried multiple times to reach the company and it was only an automatic voicemail that would pick up. Finally, today, XX/XX/XXXX, I got ahold of someone and she basically told me I have over a {$1900.00} gift card + {$150.00} giftcard that I can only use at select places. Im not going even try at a place in store because what if it declines on me? I have no idea why the cards are even declining on me. 
The cards are declining, but I get charged XXXX cents everytime it declines!!!!
Consumer complaint received 2021-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WA)

Good day, To whom it may concern, I XXXX XXXX soley submit this complaint on behalf of myself in regards to my credit report. I have recently pulled my credit report and noticed the closed account XXXX being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.I have attached my equifax credit report as proof of my claim.
Consumer complaint received 2023-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (MT)

I am filing this complaint in response to the closed CFPB complaint # XXXX. This complaint was closed XX/XX/XXXX without resolving the issue for which I filed the concern. 

Although my payment count updated to XXXX for my Direct Consolidation Loan disbursed XX/XX/XXXX, this count is not accurate. All of my employment certification is on file for the appropriate months from XX/XX/XXXX to XX/XX/XXXX. Mohela 's response states " The approved employment in the table above, compared with your eligible payment periods, yields a qualifying payment count of XXXX for your Direct Consolidation loan '' ; this is not an accurate count. There is no information currently reflected for the months of XXXX XX/XX/XXXX. As mentioned above, my employment has been certified for this timeframe. My payment tracker is therefore missing 26 qualifying months. 

I am asking again for : 1. An accurate updated payment count. This count will reflect the missing months of XXXX XX/XX/XXXX. 
2. Written Confirmation that I am at 120 payments, and the date/month that I reached 120 payments, making me eligible for forgiveness 3. Written confirmation, including the date, that my information has been sent to the Department of Education, initiating the forgiveness process
Consumer complaint received 2024-05-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Sequium Asset Solutions, LLC (MO)

This is my second complaint about this situation ... first complaint is CFPB XXXX XXXXXXXX. Sequium stated that they would remove from all 3 of the big credit bureaus, XXXX is still showing this on their report.
Consumer complaint received 2024-01-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

There was an unauthorized XXXX charge on my account for {$480.00} to XXXX by XXXX, on XX/XX/10. Payment ID XXXX. The bank said to reach out to the merchant. This was a fraudulent charge I tried was unable to get in contact with receipting of funds or can get any information on who to contact for this charge. I never authorized this charge to XXXX. 
I have been trying to get in contact with a rep at Truist to escalate this and am unable to get anyone other than telephone rep.
Consumer complaint received 2024-01-06
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc. (MI)

I bought a Vanilla XXXX gift card from XXXX XXXX XXXX  for {$100.00} on XX/XX/23. I was using it fine and there weren't any problems. I had used this card to purchase items from XXXX for XXXX on XX/XX/23, and I wanted to return a XXXX item on XX/XX/23 for my money back. XXXX issued the refund, but when I checked my account my remaining balance was still XXXX and the refund showed up as XXXX instead of XXXX ( but it didn't effect my balance ). I called the help line but whenever I entered my card information it said it was invalid.
Consumer complaint received 2024-01-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (FL)

I have given multiple times to cure. I asked Wells fargo to send me the original wet signature contract between Me and Wells fargo stating I will pay the alleged debt. I have given XXXX and Wells fargo 4 months to present said contract and all I've receive was that they need more time. I demand Wells fargo be deleted permanently. XXXX delete Wells fargo from my credit report and Wells fargo 10 mins later reinsert the negative item again. 
My right to privacy pursuant 15 USC 1681b 2 company also has NO permission to report ANYTHING using my info pursuant to 15 USC 1681 4. Also if a debt is written off, then that said debt is paid pursuant to 18 USC 8. I owe no debt. 

Wells fargo # XXXX
Consumer complaint received 2024-01-06
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

Hello, I have a debt collection on my XXXX report, The original account was opened with XXXX communication. For starters the account in question is not my account. It was opened fraudulently by my ex wife several months after we divorced. The account recovery information is my ex wife 's email and contact number. XXXX had no means to contact me directly in regards to the debt. Through good faith, and an attempt to clear the account. I have paid the account balance in XX/XX/2023 conformation number XXXX. The account is currently reported as unpaid. I have disputed the account several times through XXXX. The dispute is coming back as account information verified as correct. I have also contacted XXXX XXXX directly, to which they stated the account would be updated.