davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc. (TX)

Subject : Formal Notice of Violations and Request for Remediation Dear National crsys, I am writing to bring to your immediate attention clear violations of both federal and state laws in the manner National crsys has handled my credit information. It has come to my notice that unauthorized items have been reported to my credit report without my explicit consent, constituting a serious breach of privacy and identity fraud. This action violates FCRA Section 604 ( a ) ( 3 ) ( A ) and Texas Finance Code 392.303. 

Furthermore, the unauthorized reporting is adversely affecting my creditworthiness, and I assert that even in the case of a permissible purpose, my explicit consent is a necessity, as outlined in FCRA Section 604 ( a ) ( 3 ) ( A ) and Texas Finance Code 392.303. I am formally demanding the immediate removal of this unauthorized and unverifiable item from my credit report, in clear violation of FCRA Section 611 ( a ) ( 1 ) ( A ) and Texas Finance Code 392.202. I expect this to be done within 30 days from the receipt of this complaint, as stipulated by FCRA Section 623 ( a ) ( 8 ). 

Failure to comply within the specified timeframe will be considered willful noncompliance, subject to legal consequences. Additionally, I want to make it clear that any action taken by National crsys besides deleting the collection will be considered willful non-compliance. I am invoking my rights under 15 U.S. Code 1681b ( 2 ), and I am giving clear instructions to furnish my report and delete the collection account. Failure to adhere to these instructions will result in further legal action. 

Moreover, I insist on National crsys providing a written document that proves I, as the consumer, have granted explicit permission for your agency to access my consumer profile. This failure to obtain consent is a direct violation of FCRA Section 604 ( a ) ( 3 ) ( A ). 

This correspondence serves as a formal notice of violations, and I expect prompt action to remedy these breaches of federal and state laws. Failure to address and rectify these issues will leave me with no choice but to pursue legal action to protect my rights. I anticipate your immediate attention to this matter and demand a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CO)

In XXXX, when I was a XXXX  in XXXX, I had my identity stolen, and a fraudulent XXXX  account was opened in my name, that racked up over {$1200.00} dollars. At the time, I disputed it with the 3 credit reporting agencies and got it removed. 6 years later I am checking my credit score only to discover that the same issue is back on my credit report and is in collections, witch tanked my credit score. I am sick and tired of having my credit affected by this fraud. I have never lived at the address or even in the state the XXXX account was opened in. I have never lived at the house address listed in the XXXX  account.
Consumer complaint received 2015-11-16
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Hello I have XXXX complaints on file with XXXX different Banks XXXX is Bank of America and the other is XXXX XXXX XXXX. The complaint with Bank of America is was at the hospital and the XXXX, office all day I need to go to medical records and get copy of medical report and on XXXX/XXXX/2011 I reported the card stolen to the manager at bank of America and customer service and the XXXX XXXX Police dept. Then the other bank XXXX I was at XXXX XXXX when someone stole money from it and then I ended up again at XXXX XXXX XXXX trying to get a XXXX, I was due to have XXXX surgery so me and a friend decided we should go to the beach but we both ended up in hotel room sick she is on XXXX and I was sick with the XXXX, any way none of this makes any sense because I am just XXXX person and the bank has many people and ways of saying that I am wrong but they are not giving me a chance to provide the information need because I always end up getting sick, anyway I may be fighting this till my death bed.. but I still need my money back because I would like to move from where I am living and I should have had enough money to do that between these XXXX banks they stole XXXX that 's my money from Social Security XXXX Settlement, the should be some type of Social Worker or someone somewhere that I can sit and talk with about my Identity being stolen. Besides having the banks not help solve the problem the IRS should note how people money get stolen from the banks every year or whenever it is stolen and not replace that revenue of a person money and possibly others that do n't get to spend their own money that are stolen by banks and employee of the bank. I got a police report of my card being stolen the very same day and I did report it to the bank even though they wrote some type of letter from their dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX. Both Checking and Saving Account at XXXX Banks fees and money missing.
Consumer complaint received 2020-06-30
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: Experian Information Solutions Inc. (NY)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (PA)

In XXXX, I traded in my XXXX XXXX that was having connectivity issues with XXXX Retailer at the XXXX XXXX in XXXX, PA. The phone was still not received by the company and did not receive the credit. On XX/XX/2024 I noticed charges on my PayPal and Venmo accounts from a XXXX XXXX XXXX. I did not have an account with XXXX XXXX XXXX, therefore I knew it was fraudulent. Venmo was able to verify the fraudulent transactions and updated my account. I contacted XXXX XXXX XXXX who also closed the account. PayPal refuses to consider this a fraudulent activity as I have used online casinos in the past which is bias. They are requesting {$700.00} and ceased my account. I am unable to pay my PayPal Credit and PayPal MasterCard as I do not have access to my account. 
XXXX has acknowledge unauthorized use of my phone traded in and has disabled the phone from future use.
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I requested that Nelnet fix my student loan balance to reflect the loans currently owed back in XX/XX/2023 after a change in balance. I followed up multiple times in XXXX, XXXX and XXXX regarding having the loan balances match ( my total amount due matching with the payoff amount matching with what is reflected on XXXX  ), for which nothing was done. As such, I am unable to make any changes to my student loans as they are not reflected properly hindering my ability to apply for services offered through XXXX potentially missing time critical deadlines coming up for student aid relief, all the while making improper payments on amounts due while the nelnet company prolongs this inaccuracy.
Consumer complaint received 2024-02-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A. (VA)

We sent a bank wire to Citibank for {$19000.00} with a wrong account number for the customer who was supposed to receive the wire. 

Citibank sent the money back to XXXX XXXX but with no account information on where to deposit the funds so the money was returned to Citibank. 

Citibank still has the funds and has not returned them to XXXX XXXX. 

All documentation from XXXX XXXX is included in this complaint. 

This is the second complaint to try to get the funds sent back from Citibank to my XXXX XXXX account. 

This is the account where the funds of {$19000.00} need to be returned to : XXXX XXXX XXXX, XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va. XXXX Account # XXXX Routing # XXXX XXXX XXXX has assembled the timeline, requests for returning the funds sent to Citibank and a confirmation funds have not been sent back. 

If anything is needed on my end in addition please email me at XXXX. 

Thank you, XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (CO)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

In accordance with the Fair Credit Reporting Act this creditor ( USAA ) has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2021-11-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I tried to point out two errors to my loan company to no avail. Submitted proof of errors and still no one responds to me. Instead they did opposite and increased mortgage by {$400.00} dollars. My first error was my homeowners insurance. This was picked by Broker who got my loan. That homeowners insurance was XXXX XXXX. However, I chose to change to another company once I closed to XXXX homeowners because they give good discounts to veterans. I Submitted this to caliber home loans, my loan company, and to this day, it still shows like I have XXXX XXXX along with XXXX even though I canceled XXXX XXXXXXXX and got refunded from them. Moving forward, I asked for escrow analysis for my mortgage to go down because my XXXX premiums are much less than the original homeowners insurance XXXX  XXXX. However, Instead of decreasing, they shot up {$400.00} dollars more. When I investigated further, I realized that caliber home loans went and paid the property taxes for the year when they were not supposed to because my escrow company had already done so for the year. This left my escrow account account in the negative {$1900.00}. I Submitted the documents that was given to me by XXXX XXXX which is my escrow company to caliber home loans and no one wants to address the issue. I was told that they were aware of the mistake, but in response to that, they went ahead and did a new escrow analysis with my escrow being negative {$1900.00} knowing full well that it was not supposed to be in the negative. And with that, their new mortgage calculations are with me having 2 homeowners insurance companies when I had already canceled one. Please help me rectify this situation. All I want is for them to reverse what they did and bring my mortgage back to where it should be with the right information. I thank you in advance for your time and assistance. From XXXX XXXX
Consumer complaint received 2020-11-13
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: The Bureaus, Inc. (CA)

XX/XX/2019 I paid my XXXX XXXX XXXX balance in full after learning from customer service that I had missed a payment. I continued to make my monthly payment even though payment had become an issue. Prior to this I had always paid my balance in full each month. I asked the creditor on several occasion to remove the excessive charges as a goodwill gesture. Original creditor : XXXX XXXX XXXX refused to do so and has continued to assess late fees, and/or finance charges, and/or other fees causing my account balance to exceed my credit limit. XXXX has reported this on my credit report. This has negatively effected my good credit score. XXXX sold the account to a debt collector : THE BUREAUS who continues to increase the balance and causing my credit rating to go bad, thereby causing me to miss opportunities to improve my credit rating and create a better standard of living for me and my family.
Consumer complaint received 2024-02-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CL Holdings LLC (TX)

Jefferson Capital Systems reported a delinquent account on my credit report that was time barred and over XXXX XXXX XXXX from the original delinquency, but theyve changed the dates to XX/XX/23 as the start of delinquency to make it seem like it was recent in an illegal attempt to reset the statute of limitations and hurt my credit, and remove the time bar by attempting to collect. Not only is this ineligible to be on my credit report, the state of Texas time bars debt after 4 years. I have the original delinquency notice from XXXX dated over 9 years ago and no payments or acknowledgment of this has been made sense. Ive actually disputed it several times because the debt was not even of a legitimate nature. There were bogus charges on my account XXXX refused to resolve so I changed phone companies. 

Their customer support reps are rude and unhelpful and they should not be allowed to do business. There business practices are wholeheartedly illegal and are actively damaging the well being of my life by hurting my credit Ive worked so hard to rebuild over the last 10 years
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I am a veteran of the XXXX military and I have student debt mainly from XXXX. I read about the lawsuit between the XXXX XXXX XXXX XXXX and Navient and want to tell my story. I started repaying my student loans through XXXX when I graduated University in XX/XX/XXXX by auto-drafting from my bank account. I have never missed or been late on XXXX single payment and remain in good standing with my loans. In the summer of XX/XX/XXXX, Navient ( after XXXX split ) my loan service provider unexpectedly and without my consent changed my monthly payment amount and automatically had me pay a significantly lower monthly amount while simultaneously extending the payment term dates in order to generate more interest profits for the company. Once again they did this and did not disclose they had done so ; I reviewed my online account and noticed the change myself. Navient never sent me any request for this change. I contacted the company by telephone and asked them how they could possibly alter my payment agreement without my consent. They stated that they were trying to save me money by reducing my monthly payment. I explained that this would not save me money, but increase my interest payment by extending the term of my loans. I had them alter the payment back to the previous payment schedule with a slight increase in principle payment in order to close the loan out faster. I never received an amoritization schedule and do not know if the multiple changes performed to the account ever created any principal balance errors. This covert action has probably happened to millions of other student loans potentially generating millions if not billions of dollars for Navient, who is supposed to simply service our loans to the contracts subscribed. At this point I had been paying my loans for XXXX years when they attempted to cheat me. They may have even cheated me previously under XXXX and I may not be aware. Need to watch this company like a hawk as they have no moral compass. Please contact me if you would like to speak or include this information in the lawsuitXXXX XXXX
Consumer complaint received 2024-02-26
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc (GA)

I am writing to bring to your attention a persisting issue I have been experiencing with a reservation refund, and I kindly request your assistance in resolving it. 

In XXXX of last year, I made reservations for XX/XX/year> through XXXX. Regrettably, I recently received notification from the hotel informing me of their liquidation, rendering my reservation void. Subsequently, XXXX initiated a refund process and reimbursed the amount to Affirm.com, the payment platform I utilized for the transaction. 

Despite numerous attempts to engage with Affirm.com over the past two months, I have encountered significant challenges in obtaining my refund. While I understand that an investigation may be necessary to reconcile the discrepancy, my concern arises from Affirm.com 's assertion that they have not received the refunded amount from XXXX. 

Enclosed with this email, I have included the receipt documenting the refund transaction from XXXX to Affirm.com, totaling {$400.00}, which accounts for several payments I had made towards the reservation. 

I am fully willing to cooperate and await the completion of the investigation ; however, the lack of progress and communication from Affirm.com has been disconcerting. Each time I reach out to them for an update, I am met with assurances that the matter is not within their purview, leaving me in a state of uncertainty. 

Given the urgency of this matter and its impact on my financial situation, I implore you to intervene and expedite the resolution process. Should you require any additional information or clarification, please do not hesitate to contact me. 

The company ceased charging me recently after I persistently emailed them to stop, threatening to report them if they continued. 

Thank you for your attention to this matter. I sincerely appreciate your assistance in rectifying this issue promptly
Consumer complaint received 2024-02-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (CA)

On XX/XX/year>, I received an email that my new Chime account had been opened. I thought it was a spam message, but I was surprised when I received a physical debit card in the mail a few days later. I called Chime and they told me that the account must have been set up by a " hacker ''. They successfully closed the account, but I'm concerned that Chime is so easily allowing for the creation of these accounts without more oversight.
Consumer complaint received 2017-02-18
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My case is about a withdrawal of cash from an ATM, the ATM only gave me the receipt of the transaction but NOT the money, this happened for 2 consecutive days, the bank approved the transactions and they took the money Of my checking account.
Consumer complaint received 2024-01-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC (TN)

I am writing to formally complain about the negligent handling of my home insurance by Rocket Mortgage, which has led to significant financial, coverage, and insurance eligibility issues. 

Background : Home Purchase and Initial Insurance : Purchased a home in XXXX, TN, in XX/XX/XXXX, originally insured by XXXX XXXX as recommended by my agent.Switch to XXXX XXXX : Due to dissatisfaction with XXXX, switched to XXXX XXXX in XX/XX/XXXX. 

This change was properly documented and communicated to Rocket Mortgage, my lender, which acknowledged the switch and paid the XXXX XXXX from my escrow account. 

Unauthorized Renewal with Encompass : In XXXX, following their acquisition, Encompass mistakenly reactivated my policy and informed Rocket Mortgage. Despite knowing about my switch to XXXX, Rocket Mortgage erroneously paid the XXXX XXXX from my escrow account. 

Issue Discovery : In XX/XX/XXXX, discovered my XXXX policy ( despite receiving my renewal ) was canceled due to non-payment because Rocket Mortgage did not pay them due to erroneous payments to XXXX despite numerous confirmed communications of my insurance switch to XXXX. 

Consequences : House Uninsured : The miscommunication and error left my house uninsured. 

Increased Insurance Rates and Cancellation : Facing increased rates due to coverage lapse and previous policy cancellation. 

Blacklisting by XXXX : XXXX has blacklisted my address, preventing me from securing insurance with them again. 

Inadequate Response from Rocket Mortgage : Resolution specialist XXXX XXXX contacted me XX/XX/XXXX Acknowledging a clerical error resulting in the over-insurance, lack of follow up or due dilligence, however, Rocket Mortgage failed to offer a satisfactory solution, merely advising me to find another insurer. 

Complaint Summary : Rocket Mortgage 's negligence in managing my insurance switch has resulted in my home being uninsured, increased insurance rates, and a blacklist from XXXX, causing severe financial and coverage difficulties. 

Their failure to correctly handle payments from my escrow account, despite knowing about my switch to XXXX, constitutes a significant oversight with substantial repercussions for me as a homeowner. 

I request a thorough investigation into this matter and appropriate actions to rectify the financial and coverage losses incurred due to this negligence. 

Including but not limited : Removal from Escrow requirement since the mishandling has led to such high financial cost and burden Increased gap insurance as a result of this clerical error. 
Remove Block from Address and new policy with XXXX