davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CITIBANK, N.A. (MD)

On XX/XX/2023 I requested a formal investigation in regards to the Macys account reporting negatively on all three credit bureaus. In the document below a certified letter was sent asking the accuracy of the amount allegedly owed and proof its 100 % correct. Macys refused to provide any information. Essentially saying they are providing information correctly because they state it is correct. I have no way to validate that information. As a result an update was sent to the credit bureaus. 

What the money you say I owe is for ; -Explain and show me how you calculated what you say I owe : -Provide me with copies of any papers that show -I agreed to pay what you Provide as verification -A certificate copy of any judgment if applicable. 
-You Identify as the original creditor -Demonstrate the Statute of Limitations has not expired on this account in Maryland -Prove you are licensed to collect in Maryland -Dated XXXX form that was issued for the IRS as earned income XXXX
Consumer complaint received 2024-03-01
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (MT)

Tried to use XXXX XXXX card twice at selected merchant. Both times the card failed. 
Contacted Blackhawk Network and requested a refund. Submitted all requested documents through email on XX/XX/2024. Case number : XXXX. Received no response. 
Reached back out to get a status update on XX/XX/2024 and still no response.
Consumer complaint received 2023-06-12
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: Affirm Holdings, Inc (OH)

Affirm : # XXXX, Affirm : # XXXX, Affirm : # XXXX, Affirm : # XXXX, Affirm : # XXXX and multiple other affirm accounts 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have tried numerous times to resolve this issue to no avail. AFFIRM has violated FCRA regulations
Consumer complaint received 2024-03-01
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Date : XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXXXXXX XXXX XXXX XXXX, Iowa XXXX Subject : Complaint against US DEPT OF EDUCATION Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against US DEPT OF EDUCATION for multiple violations of consumer protection laws, specifically pertaining to the Fair Debt Collection Practices Act ( FDCPA ) and the Code of Federal Regulations ( CFR ).

1. **Failure to Provide Validation Information : ** US DEPT OF EDUCATION has placed a collection on my consumer report without providing the required validation information, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation supporting the legitimacy of the debt in question.

2. **Denial of Dispute Rights : ** I have not been given the opportunity to dispute the account, a clear violation of 12 CFR 1006.34 ( c ) ( 4 ) ( I ). I request the chance to dispute the alleged debt and receive all relevant information regarding the account. 

XXXX. **False, Misleading, and Deceptive Practices : ** The collection agency has engaged in false, misleading, and deceptive means in violation of consumer rights. I demand that the US DEPT OF EDUCATION ceases such practices immediately.

4. **Failure to Provide Disclosures : ** US DEPT OF EDUCATION has furnished information to a consumer reporting agency without providing required disclosures, violating 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

5. **Cease and Desist Order : ** I dispute all debts claimed by the US DEPT OF EDUCATION , and I hereby revoke all rights for them to communicate with me. Any violation of this order and subsequent contact after this complaint will be considered a breach under 15 USC 1692K FDCPA, and they will owe {$1000.00} for each violation.

6. **Request for Documentation : ** I am also formally requesting a copy of the purchase agreement/ promissory note between the US DEPT OF EDUCATION and the original collector. Furthermore, I demand proof of their licensing and bonding status to ensure their legal authority in pursuing the alleged debt. 

I appreciate your prompt attention to this matter and request a thorough investigation into the actions of the US DEPT OF EDUCATION. I trust that the Consumer Financial Protection Bureau will take the necessary steps to address these violations and protect consumers from unfair debt collection practices. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-12-17
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: Yamaha Motor Finance Corporation USA (MD)

Back in XXXX of 2020 I contacted Yamaha Motor Finance Corp USA to inquire if they could extend me any payment deferrals on my account due to the COVID-19 impact on my employment. The customer Service Rep. verbally granted me a XXXX day extension. 
A few months later I discovered that Yamaha had been reporting me late to all 3 credit Bureaus. At that point I contacted Yamaha again asking what was going on. They replied that the customer service rep failed to inform me that I needed to sign and submit a XXXX XXXX XXXX XXXX, which by the way I never received in the mail, for the XXXX day extension to be valid. They said if I signed one at that time they would be able to apply it towards the missed payments and remove the late status from the credit Bureaus. I signed and forwarded the form to them and after that I have spoken to several Yamaha Customer Service Managers which are extremely difficult to get in touch with as they refuse to provide a direct phone Line, email address or direct contact to the credit department. Bottom line I have exhausted all efforts to get them to correct their mistake that impacts my credit score and even though I continue to pay my Bill every month they keep moving that modification forward instead of applying it back to XX/XX/. Beware of that company. It is also interesting that they have a Loan Servicing company that apparently are the only people the consumer can talk too and when it comes to the Credit Bureaus all three of them have a completely different address for Yamaha Motor Finance for contact and when you try them they send you back to the Servicer company so the run around never ends.
Consumer complaint received 2015-06-01
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (UT)

I make my payment on the last day of each month. When this date occurs on a weekend, Nationstar 's website shows " for the selected loan online payments are not allowed. Online payments cost {$9.00} to make my payment, but to call on the phone to make my payment they charge me {$19.00}. I feel this is discriminatory. This forces me to pay a higher fee to make my payment before the end of the month. To avoid becoming further behind ... or chance referral to foreclosure.
Consumer complaint received 2023-06-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Solar Mosaic LLC (TX)

Solar Mosaic LLC | XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX XXXX | XXXXXXXX XXXX XXXX XXXX License XXXX Should stop money given to XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I am owed two months of reimbursement for XXXX for each month. XXXX XXXX stated that I was going to get reimbursed until Solar Panels are active and Solar Mosaic would not charge until Solar panels where active.
Consumer complaint received 2022-11-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX and XXXX XXXX XXXX  Acct XXXX XXXX have 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 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Consumer complaint received 2022-11-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TN)

Second time I have gotten a letter about opening up a credit card I didn't apply for. This one was opened XX/XX/2022 for XXXX XXXX XXXX XXXX XXXX. It was denied, but now worried my identity XXXX have been compromised. What are the steps in this process? 

The ref. number on the letter is : XXXX ( Bank of America )
Consumer complaint received 2023-03-04
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. (FL)

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXL XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX.
Consumer complaint received 2021-08-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Remitly, Inc. (WV)

Send money From XXXX XXXX XXXX {$150.00}. On XXXX XX/XX/XXXX ref number XXXX through the Remitly Transfer Coy But Money could not transfer to the Account after sending 6 days On my request they Canceled the transaction but show still, in progress After many conversations It's in progress and no action pls gave favor and approach to remitly for my refunds. Thanks
Consumer complaint received 2023-06-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX XXXX XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX Inq  date : XX/XX/XXXX XXXX  Inq date : XX/XX/XXXX I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX and TransUnion and have noted following discrepancies above.
Consumer complaint received 2023-06-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (GA)

the account closed XX/XX/XXXX XXXX XXXX, and I have constantly called and emailed Chime about my closer check from my Chime XXXX account and they have given me the run around and multiple lies and just reading from a script. From XX/XX/XXXX until XX/XX/XXXX there has been over 20 emails back and forth and nobody at that bank can seem to understand the issue
Consumer complaint received 2022-11-20
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc. (CO)

XX/XX/XXXX, an account was opened with XXXX XXXX which at that time was through XXXX money. We made regular payments on this until XX/XX/XXXX, after financial difficulties, and ceased contact with the company. 
In XX/XX/XXXX XXXX sold or changed their name to synchrony bank. 
XX/XX/XXXX {$5800.00} was sold to XXXX XXXX XXXX. 
We were served with a notice to file an answer by XXXX XXXX in Colorado regarding this debt. ( Colorado XXXX XXXX XXXX XXXX 8 years, this was included in the answer ). 
Pre trial conference was on XX/XX/XXXX, asked again if this could he dismissed but judge stated he had not reviewed the case and that could be done at the trial. 
Trial date was set for XX/XX/XXXX. 

Case number XXXX XXXX XXXX la XXXX XXXX colorado XXXX XXXX XXXX Attorney XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Defendants XXXX XXXX and XXXX XXXX Additionally my husband is XXXX and can not handle the stress of going to court. 
I need your help to please stop this predatory attorney from harassing us through lawsuits.
Consumer complaint received 2023-06-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA (MD)

Goldman Sachs closed my account without warning. I have had the account almost 4 years and have had a stellar relationship with them. I have never had a dispute with them and even used the card today for a {$2.00} transaction. 

This is what the email said without much context at all. 


Your Apple Card account has been closed as of XX/XX/2023 and can no longer be used for purchases because : There was a failure to comply with the terms of the Customer Agreement
Consumer complaint received 2023-06-23
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: EQUIFAX, INC. (MO)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2017-10-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY (FL)

Wells Fargo Bank Account Fraud. Each month Wells Fargo took funds from my CHECKING ACCOUNT, until it was no funds. When I notice, I stop making deposits to my account. Each month Wells Fargo remove funds from my account, large amounts. I 'm not sure if that account still their.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AZ)

I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you XXXX have any type of block on it thank you.
Consumer complaint received 2023-03-11
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: Self Financial Inc. (NJ)

I did a dispute with self lead bank on XXXX XXXXXXXX and both credit bureaus took more than 30 days to respond. I started the dispute in XXXX and I havent gotten to respond in the mail ever since. They had 30 days to verify and they couldnt verify it so by law it must be deleted.
Consumer complaint received 2022-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: WELLS FARGO & COMPANY (CA)

In accordance to the fair credit reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have to be right of privacy.

15 USC 1681 Section 604 A section 2i it also states a CondumeT reporting agency Can not furnish a account without my written instructions.

15 USC 1666B : A Creditor a payment On a credit card account under a open end consumer Credit plan as late for purpose.
Consumer complaint received 2023-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

Nelnet debited my account after my loan was paid off under consolidation, and sent this payment unbeknown to me, to the new service provider. They claimed they had the right to do this because I had signed an automatic payment agreement with them. But my agreement was with them to make payments to. It did not authorize them taking money from my bank acct. to pay someone else. Besides they told me the automatic payment system was stopped in XXXX of this year after the loan was paid off. My bank acct was debited by them and indicated through my bank statement, on XX/XX/XXXX. If I had not checked my bank statement I would not have known because I was never informed of this taking place. When I discovered this payment was made, I called and they told me a check for the amount would be sent to reimburse me. It would take 6-8 weeks. I waited 10 weeks and after receiving nothing, I called again. First they told me I should have received it and put me on hold, then they told me the money was sent to new provider and my money would not be refunded. When asked who authorized this they said it was their policy. I hadnt even started a payment plan with new provider yet. I should have been informed by Nelnet that this was done. This is literally stealing money from my account!! How many people have they done this too without providing any information or authorization???
Consumer complaint received 2023-12-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VA)

XXXX and the other two credit bureaus show a XXXX  student loan on my report that has been transferred to XXXX from Dept of EDXXXX XXXX However, the credit report still reports that the account is still under the Dept of EdXXXX XXXX. The account has been transferred to XXXX since XX/XX/2023 and should be paid in full. XXXX states that the information listed on the account is correct, which shows the balance of {$19000.00}. However, when I contacted XXXX, they said the account balance was XXXX. Additionally, XXXX, who is the new servicer, doesnt show up at all on any of the XXXX bureaus, and after contacting XXXX XXXX they stated that the last time they reported was on XX/XX/XXXXXXXX XXXX
Consumer complaint received 2024-02-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (CA)

To Whom It May Concern : I am compelled to address a significant concern regarding the Navient/XXXX XXXX XXXXXXXX ( Case No. XXXX ), specifically regarding Navient 's reported inability to disclose credit scores for the pertinent timeframe. 

This settlement distinctly offers relief to " non-traditional '' borrowers, identified by having a XXXX score below XXXX at loan origination. My apprehension is rooted in Navient 's claim of being unable to retrieve my credit score from the relevant period, citing data retention policies. This assertion not only casts doubt on the settlement 's efficacy but also on Navient 's commitment to fulfilling its obligations with integrity. 

The essence of my concern lies in the possibility that Navient may have agreed to the settlement without the genuine intent or capability to validate and acknowledge claims from borrowers like myself, who are presumptively eligible for relief. Such a scenario would not only undermine the settlement 's foundational goals but could also represent a substantial breach of trust and agreement. 

The gravity of this issue extends beyond my individual case, potentially affecting numerous others in similar predicaments. Hence, I seek your intervention to ensure Navient adheres to the settlement terms with diligence and honesty. If Navient is indeed unable to provide credit scores from the discussed period, it becomes imperative to question the validity of loans issued under these conditions, suggesting a negotiation in bad faith. 

Furthermore, it is pertinent to highlight the coercive pressure to add my father as a co-signer based on his similar credit standing, a move that was crucial for loan qualification. This detail underscores the broader implications of Navient 's practices on borrowers and their families. 

I urge your immediate attention to this matter, advocating for a resolution that upholds the principles of fairness and accountability. Your action is not only crucial for individual cases like mine but also for the integrity of the settlement at large. 

Sincerely, XXXX XXXX