davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AVANTE (AL)

XXXX XXXX at the Avanteusa is in violation of the fair debt consumer protection act. 
XXXX XXXX at the Avanteusa have committed several federal violations against me, a Private law abiding Federally Protected Consumer. Each violation is a statutory cost of {$1000.00} each, which does not include my personal cost and fees ( which I determine ) for taking time to address these issues. Violations committed against me include but not limited to : 1.Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2.Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to XXXX XXXX at the Avanteusa 3.Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt saying I owe {$610.00} 4.Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 5.Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. 
XXXX XXXX at the Avanteusa are attempting to extort and rob me using deceptive, misleading and abusive practices against me personally, my family and my household. This is criminal activity at least and unacceptable by every means.
Consumer complaint received 2022-04-19
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. (NY)

I recently checked my credit report and noticed some Inquiries from companies I did not give consent to access my reports I respectfully demand the removal of these unauthorized inquiries immediately to avoid any further confusion as I did not initiate these inquiries nor did I give any form of consent electronically written in person or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2022-04-19
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. (NY)

I recently checked my credit report and noticed some Inquiries from companies I did not give consent to access my reports I respectfully demand the removal of these unauthorized inquiries immediately to avoid any further confusion as I did not initiate these inquiries nor did I give any form of consent electronically written in person or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the F.C.R.A the following companies did not have permission to request my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX/XXXX/XXXX
Consumer complaint received 2023-02-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: NAVY FEDERAL CREDIT UNION (OK)

Around XX/XX/XXXX we filed a dispute with Mattress Firm via Navy Federa Credit Union Mastercard. The dispute was regarding a defective Tempurpedic queen size mattress which the specifications were 58x78 inches instead of 60x80 inches. Also, included in that dispute was a restocking fee for {$540.00} in which were were disputing because we were not informed of this restocking fee or any information about their return policy. We were given the run around with Navy Federal regarding this dispute. The Navy Federal employees were communicating different information to us as we had several phone calls that last over 2 hours basically on each phone call.. When Navy Federal first submmited the dispute that left out the information regarding the mattress was defective because it was not in compliance with standard queen size bed. It's noted that on XXXX and XXXX XXXX the speciafications of the queen size bed. They ruled in XXXX XXXX favor because when they submitted the dispute the first time they left out was the critical information of the defective mattress. Navy Federal only considered the restocking fee and not the defective mattress. Its my undertanding the a company can not charged a illegal restocking fee if merchantise is defective or not as decrijbed. We also had to sign under duress for the mattress to be picked up with a notation of the restocking fee. We feel Navy Federal is not compiling with the regulations of Mastercard code 4853 dispute code and failed to providing protection for us as a consumer. Navy Federal phone # is XXXX XXXX. Also, we were not informed about the outcome or no communication until we inquired on XX/XX/XXXX. We paid off the credit card and closed the account on XX/XX/XXXX.
Consumer complaint received 2019-07-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Pendleton Capital Management (NY)

I settled my credit account through a third party company Pendleton Capital Management and the main creditor XXXX XXXX XXXX. I filed a dispute with XXXX and the results was that my account will still remain as charged off when I have proof stating that my account would be reported to the credit bureau as settled and paid.
Consumer complaint received 2022-03-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (VA)

I paid XXXX, XXXX dollars, XXXX dollars, Almost 860 dollars paid. 

Credit bureas should make a correction, there is wrong amount and furthermore under fair trade act, less than 500dollars debt should not be listed in credit reports as a correction. US Congress supports veteran like me. Credit bureau should update. 

Attached files are evidences.
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (NJ)

At the beginning of 2021 I made an agreement with discovery to settle a debt around XXXX. the settlement offered was a reduction to around 65 % under de condition that for the first 5 months I would have to make a minimum payment of XXXX dollars after that the reduction would be applied to the balance. This conversation took place Through their chat service. When I asked for confirmation the discovery representative told me that it was not necessary because everything will be saved on the chat. 3 months later discover started harassing me even though i was making payments as agreed. Now discover says that there is not agreement and that the chat that can prove the settlement never took place. They are still charging me the whole amount and the balance has not been reduced as agreed.
Consumer complaint received 2022-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

I obtained a copy of my credit report in XXXX of 2022, I noticed inaccuracies and sent out disputes to said companies, it has now been 3 months and the debt has not been validated according to the FCRA, debt that is not verified or validated after 30 days is to removed from credit reports immediately. This company also calls me regularly for a debt that is not mine and it is at the point of harassment which I do not take lightly.
Consumer complaint received 2022-04-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (VA)

I enrolled in a debt consolidation program over 2 years ago with XXXX XXXX XXXX XXXX XXXX ), I included an outstanding debt to a CBNA Citi Best Buy credit card. At the time the final debt owed was {$1400.00}. During the process of negotiations, this account was sent to a Collection agency listed on my credit report as XXXX XXXX XXXX. XXXX eventually negotiated this account with the collection agency ( not original creditor ). They agreed to reduce the original amount of {$1400.00} to {$960.00}. I am currently paying this off in the following : I started paying {$10.00} a month XX/XX/XXXX until XX/XX/XXXX. {$30.00} a month starting on XX/XX/XXXX until XX/XX/XXXX and then {$60.00} a month thereafter until the final payment is due on XX/XX/XXXX. 

This collection agency is deliberately reporting inaccurate information to the the credit reporting agencies even after several attempts to correct by contacting them and disputing. They are reporting a collection balance currently of {$2000.00}. The balance was never that amount and I am not sure why they continue to report inaccurate information. While they have a right and obligation to report the information, it must be reported correctly and that is not the case.
Consumer complaint received 2022-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

This letter is written regarding several issues impacting my banking experience with Citizens Bank XXXX ID # XXXX. The headquarters for this establishment is XXXX XXXX XXXX XXXX XXXX XXXX. 

My husband and I have a joint account with this bank, and have maintained this account since XXXX. We have observed on several occasions an issue regarding our funds not being accurately represented in our available balance, thus creating reoccurring overdrafts. When making purchases over {$50.00}, my husband and I regularly check our bank balance to insure we have the fund necessary to cover our purchase. In the event that we do not have the funds, we always transfer money from our savings account to ensure the charges are covered. We have experienced on multiple occasions our available balance not being accurate, and within a day or so, the account will be over-drafted. 

Most recently, for example, our account was overdrawn XXXX. However, on Sunday, XX/XX/XXXX, we had a positive balance of ~ {$62.00}, and I transferred another {$80.00} to cover my XXXX purchase of {$110.00}. According to my mobile banking information, despite having a positive balance of {$62.00} and transferring and additional {$80.00}, my account balance today is showing my XXXX purchase over drafted my account to XXXX. Then subsequent charges followed further overdrafting the account. 

As I understand my banking agreement, when I do not have the funds available in my account to cover a purchase, my card should decline. However, my card did not decline at XXXX, nor the gas station, nor any other establishment I visited that day. 

This has been a habitual issue with our experience at Citizens Bank. We are constantly penalized with overdraft fees despite our available balance showing a positive ledger. We believe Citizens Bank to misrepresent our funds due to these issues. My husband and I both receive direct deposits to this account from our employers. On XX/XX/XXXX, I was paid {$950.00}, however due to the misrepresentation of our available funds, once my check was credited to my account, the funds were reduced to {$790.00}. That is a difference of {$160.00} that is unaccounted for. My account was not overdrawn prior to my direct deposit, and we had a positive available balance showing in our mobile banking application. 

In addition to our funds being misrepresented, we constantly have issues with accessibility our account information after XXXX XXXX XXXX. There have been several times where my husband or myself have not been able to log into our checking account to verify the funds in our account. This is incredibly inconvenient despite have the latest software and XXXX.
Consumer complaint received 2022-04-19
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. (OH)

I am providing this statement pursuant to 15 U.S. Code 1692 ( a ) ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1602, The term cardholder means anypersonto whom acredit cardis issued or a personwho has agreed with thecard issuerto pay obligations arising from the issuance of acredit cardto anotherperson. 


REASONS : 1. Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act XXXX XXXX.

2. You are also acting as a debt collector attempting to collect a debt from me which is also a federal violation as well Pursuant to 15 U.S. Code 1692e ( 2 ) ( A ) ( B ) and 15 U.S. Code 1692e ( 7 ) ( 8 ) ( 10 ).

3. Pursuant to 15 U.S. Code 1681 ( e ) and all that apply, every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user prior to furnishing such user a credit report. No consumer reporting agency may furnish a consumer to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681 ( b ) of this title. 
4. Additionally in compliance to 15 U.S. Code 1681 ( o ) ( a ) ( 1 ) any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in the amount equal to the the sum of any actual damages sustained by the consumer as a result of failure.

5. As the consumer, original creditor and card holder I am demanding you to delete the account ( s ) listed below unless upon proof of claim is rebutted by sworn Affidavit under the penalty of perjury the following interrogatories : Was written consent or authorization given by me the consumer?

Was there not a violation of my privacy pursuant to The Privacy Act XXXX XXXX?

Are you not attempting to collect a debt from by alleging a debt is owed?

Am I not the consumer, original creditor and card holder.?

If you cant provide proof delete account ( s ) immediately. 

XX/XX/XXXX, XXXX {$10000.00} XX/XX/XXXX, XXXX {$1600.00} XX/XX/XXXX, XXXX {$2700.00} XX/XX/XXXX, XXXX {$3900.00} XX/XX/XXXX, XXXX {$3500.00} XX/XX/XXXX, XXXX {$210.00} XXXX XXXX, XXXX {$130.00} XXXX XXXX, XXXX {$440.00} XX/XX/XXXX XXXX
Consumer complaint received 2022-11-07
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. (GA)

EQUIFAX XXXX XXXX Inquiries I didnt give Consent to these. Ive even called these places. 

Title 15 U.S.C 1681 B False activity without Written Consent Title 15 USC 1681 C-1 Without Written Consent it is considered Identity Theft Tile 15 USC 1681 C-2 Didnt Notify me of the activities and are still there
Consumer complaint received 2022-04-19
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. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The credit Bureaus stated that the information was verified and was accurate upon the completion of their investigation. How can this be true if the open dates are incorrect, the dates last active are inaccurate, the dates last reported are inaccurate and the balances are inaccurate. All of this incorrect information reporting on my credit is grounds for the accounts to be removed from my credit report. My rights have been violated under 15 U.S.C. 1681 section 602 A. States I have a 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 instruction. 15 U.S.C. 1681 section 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 information is incorrect. 15 U.S.C. 1681 ( a ) ( 5 ) states : no consumer reporting agency may make any consumer reporting containing any of the following items of information other adverse item of crimes which antedates the report by more than seven years.
Consumer complaint received 2022-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kansas Counselors, Inc. (KS)

I received a medical bill for {$650.00} from creditor XXXX XXXX XXXX XXXX In which I paid in full XX/XX/XXXX. Several months had passed, the check cleared my bank account. In XX/XX/XXXX, I noticed my credit score significantly decreased due to a collection account with Kansas Counselors collection company. I contacted them. They stated they had received my copy of the check and had sent it to XXXX XXXX XXXX XXXX and it took over a month for a response that the debt was still outstanding. I then disputed the false report with XXXX as well as XXXX credit bureaus and both claims were denied. XXXX XXXX XXXX XXXX still claims the debt is outstanding and will not remove it from my credit report. I have submitted a copy of the front and back of the check over 4 different times to them, the collection agency, as well as the credit bureau. The money was taken from my account. I can not get this resolved.
Consumer complaint received 2022-04-19
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: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 Accounts : XXXX & XXXX {$530.00} XXXX XXXX XXXX {$530.00} XXXX XXXX {$30000.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX- {$9100.00} XXXX XXXX XXXX XXXX- {$14000.00} XXXX XXXX XXXX C- {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-04-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (DC)

After being on a COVID relief plan for 18 months, I was presented by USBank with the option of extending payment deferments. I opted to continue for an additional month at which time I inquired about resuming payments. I was informed that I would then need to submit a loan modification application, which I thought was part of the normal procedures associated with COVID relief. After numerous phone calls, I was informed that the application was under review with an underwriter and a decision was pending. After a total of 2 months, I was given a letter stating that my only option was to pursue a short sale. It was not my intention or desire to lose my home after being on the COVID relief plan. It was never made clear that by extending beyond the 18 month deferment, that I would now be under Loss Mitigation, and would not be eligible for the protections provided by the Relief Plan. The only option provided other than the Short Sale was to make a Reinstatement Payment of approximately {$100000.00}.
Consumer complaint received 2022-04-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (MO)

On XX/XX/2022 EdFinancial posted a notice to my account with the heading " your account is past due! '' and the enclosed message claiming, " Our records indicate that your last scheduled payment has not been received, and your account is now 11 or more days past due. We urge you to make a payment and resolve this past due status quickly. '' Furthermore, they try to promote their XXXX system by claiming, " Additionally, while your account is in an active repayment status and enrolled in XXXX you will receive an interest rate reduction of 0.25 %, '' which is misleading on multiple levels, being that accounts are NOT in active repayment status, as the student loan pause is currently ongoing and in effect, and the interest rate has been set at 0 % for the duration of the pause ( ongoing for 2 years now ). Their site is riddled with conflicting and confusing information. They also still reflect on their payment tab that I will have a payment due on XX/XX/2022, even though the student loan pause is extended through the end of XX/XX/2022.