davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (DE)

I went into a local Well Fargo branch to make deposit received from payroll ( my job ) in the amount of {$1400.00}. I had two pending charges for two credit cards that needed to be covered. I asked the teller if the funds would be available today and he advised that the funds would be available on XX/XX/2019 but that the two charges would be covered. I proceeded to deposit the check given his expertise, I trusted the teller 's word. On XX/XX/2019 I checked my account only to find out that the two charges was returned as non-sufficient funds and that there was an extended hold on my check. This caused s really serious issue for me as now my credit card will be closed due to returned payment and charges associated in which Well Fargo will be responsible for.
Consumer complaint received 2019-11-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rozlin Financial Group, Inc. (KY)

rozlin financial group put collection in my credit report on XXXX XXXX for {$1400.00}. this is not my account nor i have debt with them. i think this is somebody who steal my information and opened account.i called the company and told them this is not my account and they still put in my credit report
Consumer complaint received 2016-11-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SCOTTRADE BANK (OH)

This is in response to a previous complaint. Scottrade Bank has refused to credit my account for the $ XXXX+ in transactions from XXXX. They said there is an account with them using my email address. Well, I contacted them as well and what they did n't tell me is that the account is closed and there 's no way to access/withdraw the cash. XXXX is supposedly a binary options broker. You can deposit money with them using a debit card. The $ XXXX+ in transactions are actually deposits. So what 's happened is, XXXX has taken over {$6000.00} of my money and run off with it. They stole it! It 's a scam! Like I 've said in my previous complaint, they are an illegal company that is illegally targeting U.S. citizens. If you do n't issue a chargeback for these transactions, you 're just helping these crooks rip off American citizens!
Consumer complaint received 2022-04-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (PA)

The is my second complaint against Midland Credit Management for harassment and fraud. MCM has failed to produce any documents in which I can validate an alleged debt that they have taken legal action to collect. They are continuing to report this alleged debt to credit reporting agencies against my request to cease. 

The company responded to my CFPB complaint on XX/XX/2022, stating that I was sent a validation letter. Who validated this alleged debt? What is there contact information? Were they a witness to the signing of an agreement to pay this alleged debt? Pursuant to USC 1692g only a consumer can validate a debt and I still have not received the documents requested to do so. Therefore it is against federal law to pursue this collection.

Your company also stated that enclosed in your response is the original contract. I have looked through all the paperwork enclosed and see no contract. Pursuant to the XXXX a legally enforceable contract requires offer and acceptance and full disclosure. There is no original contract with wet signatures of both parties showing there was an offer and acceptance nor full disclosure. There is also no witness to attest this alleged agreement. 

The information your company is furnishing to the three major credit reporting agencies has not been validated, therefore it is not accurate. Continuing to report this is harassment and violation of USC 1692d ( 4 ).

Pursuant USC 1692i ( b ) your company is not authorized under any federal law to bring legal action against me. You have produced no credible evidence. You have presented nothing but statements, not invoices to be paid. There is no signed contract between I and your company agreeing to pay this alleged debt. There is also no actual accounting showing your company has endured any debt to be paid by me. Therefore I would like to know what are the several factors used to determine the eligibility of accounts for legal efforts?
Consumer complaint received 2019-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This is the second time Bank of America has decreased my credit limit with no notice. I have been a loyal customer for years and have never missed a payment. I am currently working on my credit and this will ultimately hurt me as Bank of America decreased my available funds from over {$3000.00} to a little bit over {$100.00}. This card will be paid off within the next few months and I will be removing and closing all accounts. I can not continue to do business with a company that could care less about its customers and I will be sharing this on social media and anyone I can get my hands on. You dont kick your customers while they are down or try to push them down as they are trying to better themselves.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2023-02-07
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: CITIBANK, N.A. (FL)

Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. 

I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required XXXX-day period. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. 

I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. 

Any other action ( or inaction ) on your behalf will result in a small claims action against your company. 

I will be seeking {$5000.00} in damages for the following : XXXX. Defamation XXXX. Negligent Enablement of Identity Fraud XXXX. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, in order to formally defend yourself. 


P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Consumer complaint received 2022-04-01
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. (AE)

I sent TranUnion a XXXX letter to validate the incorrect accounts that is being reported on my credit report. This was back on XXXX XX/XX/XXXX. I have yet to receive any response back in regards to the matter. The following accounts follow : 1. The following account is not mine XXXX 2 . The following account is not mine XXXX 3 . The following account is not mine XXXX XXXX 4. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX 5. The following Inquiry is not mine XXXX Date of Inquiry : XX/XX/XXXX A 30 day demand to comply was also sent to TransUnion as well, which they failed to adhere to.
Consumer complaint received 2017-12-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

My identity was stolen in the middle of XX/XX/XXXX, I changed all my banking to capital one 360. My first direct deposit went in onXX/XX/XXXX, the morning I checked my account and everything was frozen, could n't spend or withdraw, transfer funds. Nothing. I was on the phone all day trying to settle the matter, without any resolve. The final person said that I should know the reasons why they were choosing to end the banking relationship. And that they were sending me a paper check and I should be glad of that and hung up on me. I have yet to receive my check for XXXX from them. And now they flag me and send me immediately to an answering machine that nev3r returns my calls
Consumer complaint received 2019-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (NY)

My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY, XXXX. On my credit report, I see a listing of SyncbXXXX XXXX XXXX XXXX XXXX FL XXXX : ( XXXX ) XXXX, Account : XXXX, Date Opened, XX/XX/2013, High Credit, {$720.00}, Credit Limit , {$720.00}. I have no knowledge of this account. I request the account to be closed effective immediately.
Consumer complaint received 2019-11-09
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: Uplift, Inc (GA)

im not sure when the account was open but i start receiving calls i contact the company and credit companies advise them of the issue and incorrect information the item is still floating on my accounts and i am still getting calls it has been months i am sure the company received the complaint directly from the credit company
Consumer complaint received 2017-12-04
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me. 

I have attached letters from other creditors showing their investigation results.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2018-01-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (VA)

I spoke with navient about fixing my loans so i can go back to school. The payment plan they suggested was outrageous and unsatisfactory to me i explained that at the moment i was unemployed also and to no avail they would not lower my rates so i can get out of deferment.
Consumer complaint received 2017-12-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP (IN)

My mortgage is currently serviced by Selene Finance. The prior servicing was handled by XXXX XXXX. This mortgage debt was discharged in a Chapter XXXX Bankruptcy on XXXX XXXX Case # XXXX. Since the discharge date, Selene has promised to re-stablish a new mortgage note, but has never followed through. Selene has collected funds and continues to make demands to post bankruptcy payments. Since the debt was discharged, numerous demands have been sent via mail in attempt to collect on the discharged debt. I have received repeated phone calls from representatives making demand for payment as well. Per section 524 ( b ), 524 ( c ) and 524 ( f ), it clearly state that the creditor must be free of influence or inducement in any post-petition communication. Selene Finance has also violated the Federal Bankruptcy code by proposing repayment on the discharged debt.

[ 1 ] See Federal Bankruptcy Case XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX NC, XXXX Division. 

Furthermore, interest has been charged on the now discharged debt. As you are aware collecting money on a discharged mortgage debt is a violation of the Bankruptcy Code. Bankruptcy Courts may use their contempt power under section 105 of the Bankruptcy Code in awarding damages for a creditors violation of the discharged injunction. 

[ 1 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. # XXXX ( XXXX. XXXX  NY XXXX ). 

[ 2 ] See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX. # XXXX ( XXXX. XXXX Ohio XXXX ). 

The mortgage note produced by Selene to prove up the validity of the debt and right to foreclose is fraudulent as well ( exhibit A ). The note is signed by XXXX XXXX at the address XXXX XXXX XXXX, XXXX, IL XXXX. The mortgage note was funded by XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. XXXX was shut down by the FBI on XXXX, its majority owner was convicted on 14 counts of securities, bank and wire fraud. Overall, Selene has not proven up standing of ownership and the rights to foreclose. They have pursued foreclosure action and have implemented a foreclosure sale date of XXXX in the past. 

The accounting records that have been provided by Selene are incomplete as well, since the entire payment history is missing from XXXX to XXXX ( exhibit B ). Furthermore, since the mortgage note is missing, the derivative figures that compile the accounting records cant be determined.

Selene has also advised that they refuse to offer a standard foreclosure mediation, which is a requirement per Indiana law. This is a clear violation of Indiana Code 32-30-10.5.

Selene is in clear violation of Federal Bankruptcy Code, RESPA law and IN Code 32-30-10.5. I am  seeking a full refund of all funds paid post Chapter XXXX BK. Overall, I feel deceived by Selene on a number of counts and I am seeking your assistance on this matter.
Consumer complaint received 2019-11-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmeriCollect (TX)

I have disputed this debt and yet they continue to report to my credit report as collection account. I am a XXXX XXXX XXXX Veteran and have free healthcare due to my XXXX. This company has purchased a debt and is illegally reporting it without even verifying any information. All health insurance claims are to be billed to the XXXX regional VA, where they are covered. I shouldn't have to fight a collection agency over a medical bill when I have full coverage insurance. This is crazy. They don't even report my address correctly. I have never received any validation. You now have stated what the bill was for, by listing personal details which violated my privacy acts as well.
Consumer complaint received 2024-02-20
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CLGF Holdco 1, LLC (GA)

I have two accounts that are being serviced by the Credit Protection Plan Administrator at XXXX XXXX XXXX for my Milestone card and Destiny card. Each month I made payments to a feature that was to cover my payments in the event I become unemployed invoulintarly. I contacted the office and was assigned cases XXXX ( Destiny Card ) and XXXX ( Milestone Card ). I completed the application and was advised to send proof showing that I was involuntarily unemployed and all this information was sent. Then they advised me I needed to send in a copy of proof showing I registered for unemployment and if I was approved the amount. I completed the same process for each of these accounts and submitted the same exact information. The information was emailed to XXXX and I also uploaded the information via their website for each account. All of this was done well before each due date. They paid {$40.00} on each account for the first month and stopped making payments. My account has accessed late fees and the credit card companies have reported payments missed to the credit reporting agencies and my scores have dropped over XXXX points. I have called their office and requested a member of management several times and have been told the cases are escalated and someone will contact me directly. No one has contacted me via cell or email. I sent them a copy of the letter showing I applied for umemployment, the determination letter, and the application. All of this information was sent via email AND uploaded within their website. 

I have made payments to this feature to protect me and my credit, but his company has done the complete opposite. I will upload all documents sent to them.
Consumer complaint received 2018-01-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

My student loan servicer is XXXX XXXX XXXX. I made a scheduled direct payment from my bank account in the amount due, {$790.00}, with a payment date of XXXX/XXXX/XXXX. The payment due date was XX/XX/XXXX. On XX/XX/XXXX, the amount was debited from my checking amount. XXXX XXXX XXXX 's website and telephone system do not reflect this payment and state that my account is past due.
Consumer complaint received 2017-12-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Co-Operative Adjustment Bureau, Inc. (NY)

I rented an apartment from XXXX XXXX XXXX an XXXX XXXX XXXX property. We discussed a one year lease from XX/XX/XXXX - XX/XX/XXXX and was not informed about the company policy for leases going to month end when they are signed mid-month. I gave notice when my lease was ending that I was moving out and was informed that I was obligated to stay till month end. I contested the issue with the property manager that such a  policy was not made known to me at signing. She referred the issue to her manager ( XXXX XXXX ) whom I emailed twice seeking to resolve the matter. She responded to my initial email and failed to respond subsequent emails I sent asking to the issue be referred to a senior manager. She never responded to my emails and the alleged amount I owed was sold to a collection agency, XXXX XXXX XXXX. The collection called my wife with whom I was separated from then to convince to confirm my personal information. She referred the agency back to me and I asked not to be called again about the issue. The agency disregarded this and continued to harass me over the phone.
Consumer complaint received 2024-02-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.