davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-14
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (NY)

Hi I am a very concerned private student loan customer of Navient. I have made three payments in XXXX that posted on their website and received a call today that two of them were retracted. I called my financial institution and the funds were not retracted they were paid. Navient is saying they were not paid and the funds were withdrawn from my account leaving me 60 days past due and potentially taking a credit hit. Can you help in anyway? 


XXXX XXXX
Consumer complaint received 2024-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monarch Recovery Holdings, Inc. (IN)

I hereby am writing Monarch Recovery Services Inc. to inform you that you have broken the law by knowingly, intentionally obtaining, possessing, transferring, and using my personally identifiable financial information aka non-public personal information from XXXX XXXX  by way of Identity Theft ; acting in bad faith ; using unfair business practices to extort payments on an extension of credit which is a crime pursuant to 18 U.S.Code 242 and 18 U.S. Code 894. Furthermore, Monarch Recovery Services Inc. with lack of permissible purpose ( 15 U.S. Code 1681b ( a ) ( 2 ) obtained this account as a result of misrepresentation, fraud and Identity theft pursuant to 15 U.S. Code 1681a ( q ) ( 3 ) and Identity Deception IC 35-43-5-3.5, Fraud IC 35-43-5-4 and Crime Deception IC 35-38-1-2.5. 

[ see attached document ( s ) ]
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: FIRST NATIONAL BANK OF OMAHA (MA)

A fraudulent charge of {$120.00} appeared on my account, so I called to report it and had them close the account. Weeks later I am being billed for the fraudulent charge with threats of interest being added if not paid.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In XX/XX/XXXX, I discovered that 6 years after our divorce, my ex-wife had a credit card with Kohl 's that I was listed on. That account was over the credit limit at approximately {$1600.00} versus their {$1500.00} limit. I notified my ex-wife and provided her with funds to 1 ) pay off the account and 2 ) close the account. My ex-wife paid approximately {$600.00} of the {$1600.00} and closed the account, which dropped my credit with XXXX from XXXX to XXXX in late XX/XX/XXXX/early XX/XX/XXXX. I filed challenges with XXXX, XXXX, and XXXX XXXX who all referred me back to Kohl 's. I called Kohl 's and explained the situation to which they said that I was second and " not an Add-on '' to the account, therefore they were holding me responsible. Both my ex-wife and daughter called Kohl 's to exonerate me. By having Kohl 's launching these attacks, including another today, my credit is being held hostage, now at XXXX as my ex-wife does not have funds to pay the account so they wreck my credit trying to extort money from me. I would like this situation to be stopped since I did not sign up for, receive, or use a Kohl 's Credit Card and did nothing to cause the problem. Kohl 's is trying, in my opinion, to extort payment from me even though I never signed or received a Kohl 's card. Also, I have lived in California, not in Texas to this date, where some of the credit agencies are listing me as living in Texas at my ex-wife 's address. Our divorce was final on XX/XX/XXXX. Kohl 's obviously does not have a contract wet-signed by me.
Consumer complaint received 2023-02-11
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. (MD)

This is the several time I've complained about being a victim of identity theft. You must remove/block any items that 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 information relating to any transaction by the consumer. 

Please delete these unnecessary items : XXXX, XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00}
Consumer complaint received 2019-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit Fraud Alert/ freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX DOB XXXX. I have attached my bank SS Card and DL for proof of ID
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MD)

In XX/XX/2022, I purchased clothes for amount {$59.00} from XXXX XXXX in XXXX, MD. by signed up for a new credit card, But I didn't receive the bill and the Credit card until XX/XX/2022, I paid the said amount {$59.00} plus the late fees and interest charged total amount {$93.00}. 
In XXXX and XX/XX/2022 I received other bills for interest charged although I paid the full amount, So I decided to close the said credit card account and spoke with the Supervisor on XX/XX/2022, she promised that she refund late fees because I didn't receive the bill and Credit card until XX/XX/2022. 
Unfortunately, I surprised that they reported late payment for 02 months so that damaged my Credit score at the time of Mortgage applied to buy a home for my family, So kindly I ask you to take further action to repair my credit score,,,!!!!!!! 

Best regards, XXXX XXXX XXXX, XXXX XXXX XXXX Maryland XXXX XXXX.
Consumer complaint received 2024-04-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/year> PORTFOLIO RECOVERY ASSOCIATES LLC XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Dear PORTFOLIO RECOVERY ASSOCIATES LLC, I am writing in response to your recent communication regarding the alleged debt associated with the above-referenced account. I am requesting validation of this debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 
I am aware that the statute of limitations for collecting this debt may have expired, as it pertains to credit card debt from approximately XXXX years ago. However, I am requesting validation of the debt in accordance with my rights under the FDCPA. 
I am also writing to bring to your attention that, under the Consumer Financial Protection Bureau 's Regulation F, specifically 12 CFR 1006.34 ( B ) ( 5 ), you are required to provide validation information upon request. 
As per the regulation, " Validation information means information that confirms the consumers name, the debt amount, and the name of the creditor to whom the debt is currently owed. '' I am formally requesting that you provide this validation information for the debt referenced in your recent communication. 

Please provide the following information : The original creditor 's name and contact information. 
The original account number and the date the account was opened. 
The total amount of the debt, including any interest and fees that have been added since the XXXX payment. 
Documentation showing that you are authorized to collect this debt. 
Please note that any further communication regarding this matter should be in writing. I am exercising my rights under the FDCPA to request that all future correspondence be conducted through written means only. 
I expect your compliance with this request within the time frame specified by law. Failure to provide this validation information may result in a violation of federal regulations.

Additionally, please be aware that I am keeping thorough records of all correspondence regarding this matter, including copies of this letter and any future communications from your office. 
Thank you for your prompt attention to this matter. I look forward to receiving the requested validation of the debt within the time frame specified by law. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-04-16
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: EQUIFAX, INC. (TN)

I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES
Consumer complaint received 2024-04-05
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: FC HoldCo LLC (MD)

Hard inquiries reported and bankruptcy reported on my credit report I did not authorize. Fraudulent activity 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 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 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 2023-02-11
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXXXXXX Balance : {$310.00} ; XXXX XXXXXXXX XXXX XXXX : {$560.00}
Consumer complaint received 2023-02-11
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. (GA)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$2400.00} ; ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$850.00} ; XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  ) XXXXBalance : {$360.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-05
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc. (OH)

Got this card on XX/XX/year> from XXXX and I havent been able to use the card both online and in store. Tried checking my balance and all my money was wiped off by XXXX knows. Tried getting in touch with Vanilla Gift Card and its theyre not responding.
Consumer complaint received 2022-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

CAPITAL ONE ILLEGALLY CLOSED MY ACCOUNT. 

I submitted a complaint in reference to Capital One 's failure to respond to my Cease and Desist and Debt Validation letters to the CFPB and they decided to close my account because I was exercising my right as the consumer/natural person and original creditor and demanding them to provide the proper verification pursuant to XXXX XXXX XXXX XXXX this debt is valid ; the adequate documentary evidence that I owe them anything. 

None of that contact information listed in their previous response is accurate. They have taken an adverse action against me which is considered discrimination under the Equal Credit Opportunity Act. Please note that I will be pursuing further legal action if this matter is not promptly resolved.
Consumer complaint received 2023-02-11
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: Experian Information Solutions Inc. (CA)

This company has clearly violated my hippa rights! 
The criminal penalties for HIPAA violations can be severe. The minimum fine for willful violations of HIPAA Rules is {$50000.00}. The maximum criminal penalty for a HIPAA violation by an individual is {$250000.00}. 

HERE ARE THE HIPAA Violations Impermissible disclosure of protected health information, or PHI.

Unauthorized access of PHI.

Inappropriate disposal of PHI. 
Failure to conduct risk analyses when appropriate. 
Failure to correctly manage risks to the confidentiality, integrity, and availability of patients ' PHI. 

XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Account number XXXX
Consumer complaint received 2023-02-10
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.
Consumer complaint received 2022-10-16
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: EQUIFAX, INC. (PA)

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Consumer complaint received 2023-03-14
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: I.C. System, Inc. (NC)

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

15 USC 1681 Section 604 A Section 2 : It also states a consumer must not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account as open-ended consumer credit plan as late for any purpose.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I have had my Citibank credit card for XXXX  years. Citibank VISA issued by Citibank , N.A . ( a " XXXX '' VISA card ). 

I have been in good standing, never over-limit, never missed payments the entire time. 

On XX/XX/2024, Citibank closed my account abruptly without advance notice to me. I called repeatedly asking why. They said that they could not tell me, but that I would get a letter. On XX/XX/2024, I finally got their letter. It said that they were closing my account because they had " received information '' that I was going to file for bankruptcy. Any such information was false. I am a property owner with over {$1.00} XXXX net worth and no debts except for a small mortgage ( which is current, with no late or missed payments. I have no intention of filing any bankruptcy. On XX/XX/2024, I called them and applied to reopen the account. On XX/XX/2024, I received their letter rejecting my application without any substantive explanation. My credit score should be very high. I believe that Citibank has arbitrarily singled me out and wrongfully discriminated against me in closing my account and rejecting my application to reopen.
Consumer complaint received 2023-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC. (AL)

This loan is too expensive and they want me to pay bi-weekly. Right now my payments are $ XXXX bi-weekly. I don't care about ever borrowing from the lender ever again, I just want a low monthly payment of {$150.00} a month. They won't work with me on this. Going forward I'm demanding they stop with the automatic payments and just go ahead and turn this over to a collection agency then I can work with them on making a {$150.00} a month payment. If I have to close my account, which I really don't want to do or shouldn't do, then I will. I can only afford {$150.00} a month, but they won't work with me on this.
Consumer complaint received 2022-01-03
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC (CA)

We applied with our current mortgage company on XX/XX/2021 to refinance our existing loan with Newrez to reduce our current interest rate and reduce the number of months left on the loan. We provided income verification on numerous occasions signed electronically the required disclosures, completed all assigned tasks. The Underwriter continuously asked for updated income. I asked what seems to be the issue or misunderstanding of our income : Workers Compensation ( LTD ) Wages Social Security Penson income Throughout the Underwriting process, I asked why is there an issue with the income that was provided and verified by current employer along with the LTD income. Meetings were conducted with employer and Underwriter. We never received notification of the status of our refinance request, only to find out that Newrez place the refinance file as " Inactive '' without as much as a notification or determination. We were promised calls that never occurred, we have numerous emails stating that " Underwriting '' finally understood our income. It appears we are being discriminated against based upon our type of income and Newrez ' failure to provide us with a written reason for the outcome of our refinance request. 
XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, PA XXXX