davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

I ended my contract and service with XXXX. Upon completion of my contractual obligation, including payment owed, I sent them the device in the prepaid return box that they provided. In their incompetency, XXXX lost the device I returned and has continued trying to charge me for it. This is completely false and inaccurate. I have gone through the dispute process and this was apparently resolved, only to find out that they have sent the account to a collection agency. This is unfair, deceptive, and in violation of fair debt collection practices. Now, Jefferson Capital is sending me notification of a debt owed that I already paid and ONTIME! The account is reflecting delinquent and has reported as such to my credit report, dropping my credit score XXXX points depending on the Credit Reporting Agency . I have worked hard to build and maintain my excellent credit rating and having to deal with this inaccuracy again and again is beyond cumbersome. The amount they claim I owe to XXXX is {$630.00}. I will be escalating this complaint to the proper authorities and agencies as needed until it is resolved.
Consumer complaint received 2024-03-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (NY)

Nelnet is inaccurately reporting information on my account. On two instances, my trustee has submitted large payments that have not posted for almost two months on the first instance and the second has been pending since XX/XX/24 despite Nelnet claiming processing time is 2-5 business days. This inaccurate reporting causes interest to accrue based off a principle balance that has been paid against- this practice is fraudulent. The downstream effect has the potential to cause damage to my credit worthiness and therein the idea to secure most favorable terms would likely be jeopardized. I have attempted contact 6 times with response to one of submissions and no follow up after.
Consumer complaint received 2024-03-03
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: STATE EMPLOYEES CREDIT UNION (NC)

North Carolina States Employees Credit union is illegally reporting false information on my credit report. My bankruptcy discharged this debt XX/XX/XXXX case XXXX The loan is still reporting late payments from XXXX to XXXX and my account status is showing I have 100 % left to pay on this loan. 
This is fraudulent and Im tired of being bullied by this bank. Every time I go to the bank, they remind me of my debt and tell me the bank took a lost because of me. I was discharged a credit card, car loan? And personal loan. All accounts are reporting late pays since XXXX. This bank is I intentionally abusing my credit. Recently, State Employees updated my credit report to delinquent.
Consumer complaint received 2020-08-28
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. (MD)

I discovered unauthorized inquired in which in I never applied. According to the Fair Credit Reporting ACT, legally these unverified and unauthorized items Must be removed immediately. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
XXXX XXXX XXXX XXXX XX/XX/XXXX FACTUAL DATA XXXX XXXX  XX/XX/XXXX XX/XX/XXXX FACTUAL DATA XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2016-09-21
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Alliant Capital Management LLC (NH)

This company uses illegal and abusive collection practices. They also go by the name XXXX claiming to be some sort of legal mediation company. They will refuse to identify themselves as a debt collector. They continue to call friends and family members even though they have my phone number, address and email address.
Consumer complaint received 2015-07-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: NAVY FEDERAL CREDIT UNION (NJ)

On Saturday, XXXX XXXX, 2015 I contact Navy Federal Credit Union regarding fraud on my account and replacing my card that indicated that they send the request to another business or unit who process of mailing the New Bank Card. The make seem like XXXX comes to the office and issues the bank card the is not true a tracking number is imputed on labels so you do not have wait for tracking number. Then if you establish Business you also order printed labels with you business name and address, account and the Track number is on the right side of the label. So why do Navy Federal Credit Union Customer Service and Supervisor make seem extremely hard to obtain a Tracking Number for them to mail a replace Debit Card when they wo n't have to replace it if that did n't allow unauthorized charges, fees, to be subtracted the account and they secure their member account your assistant with this is greatly appreciated. Please make sure this Credit is working according to United States Federal Regulation
Consumer complaint received 2021-11-03
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (FL)

Unauthorized/unnecessary credit pull : I received a notification from PNC in XX/XX/2021 that they pulled my XXXX credit report on XX/XX/2021 and subsequently denied my loan application due to the application being incomplete. First, I did not authorize the credit pull on XX/XX/2021. Second, if PNC was going to deny my application due to the application being incomplete, this credit pull was unnecessary. This hard inquiry had an adverse impact on my credit score and will increase the interest rate charged ( and therefore cost of the loan ) when opening a new credit/loan product. I am also concerned with what the information is being used for, why it was collected, and where it is being stored considering PNC was not planning on closing on the loan.
Consumer complaint received 2015-04-15
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (PA)

I am a single mother of XXXX children currently living in my home in Pennsylvania. Me and my husband divorced 2 years ago. When my home was refinanced in 2005, unbeknownst to me I was not put on the loan document, only on every other piece of paper. Now that I am divorced and living in the home, and paying the mortgage, did I find this out. Ocwen will not assist me in anyway in getting the home out of my ex-husbands name, and into my name. I pay the mortgage, taxes, and maintain the property. I am on the deed and my ex is willing to sign everything over to me but nobody will help. I can not refinance because the house is about 70k underwater due to the economy. I do not qualify for HARP because its not owned by XXXX or XXXX. What are regular people supposed to do in these instances? I pay my taxes and bills on time and now I 'm stuck. I do not want to be forced to do a short sale or deed-in-lieu and Ocwen has got to be the worst company to deal with hands down. I have been through XXXX and back with these people over the last 5 years. They have redone my mortgage only to " forget '' to add the taxes/insurance into the payment and then ask me after a year for the 6K and try to forclose on me..I tried modifications with them only to get 2 years of run around and missing paperwork, again almost putting me in foreclosure. I can not take them anymore..how they stay in business is criminal. 

I need help, and I have no where to turn. I would appreciate someone guiding me in some direction for help of any sort at this point. 

Please..I 'm begging..help the rest of us homeowners who are underwater, scared and about to lose everything because of the big banks shenanigans. We bailed them out ... who is helping us?
Consumer complaint received 2024-03-03
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: STATE EMPLOYEES CREDIT UNION (NC)

North Carolina States Employees Credit union is illegally reporting false information on my credit report. My bankruptcy discharged this debt XX/XX/2019 case XXXX My car was discharged XX/XX/2019. 
This is fraudulent and Im tired of being bullied by this bank. Every time I go to the bank, they remind me of my debt and tell me the bank took a lost because of me. I was discharged a credit card, car loan, and personal loan. All accounts are reporting late pays since 2019. This bank is I intentionally abusing my credit. Recently, State Employees updated my credit report to delinquent.
Consumer complaint received 2022-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

the following companies have reported unauthorized inquiries on my consumer report without my knowledge. these inquiries are XXXX : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion : XXXXXXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-05-19
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: AMA Advisors, LLC. (NY)

Homebrige transferred account to XXXX XXXX. Homebridge is reporting account is closed. I did no close this account. I should no be penalized with the lost of 79 points on my credit profile XXXX XXXX XXXX XXXX This transfer has left a negative status on my credit profile and is hurting my future credit opportunities and has kept my score in the negative.
Consumer complaint received 2020-07-02
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: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 07 XXXX XXXX, 08 XXXX XXXX  XXXX, 10 XXXX XXXX, 11 XXXX XXXX XXXX, 11 XXXX   XXXX, 11 XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX  XXXX  XXXX XXXX, XXXX  XXXX XXXX  XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX  XXXX/XXXX   XXXX/XXXX  XXXX/XXXX XXXX/XXXX   XXXX/XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX 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 2024-03-03
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: ENCORE CAPITAL GROUP INC. (NJ)

Dear Midland Credit Management, I am writing to formally dispute the debt appearing on my credit report, as reported by Midland Credit Management. Upon reviewing the information, I have identified several inaccuracies that not only violate fair credit reporting practices but also contravene the Fair Credit Reporting Act ( FCRA ). 

Fluctuating Debt Amount : The reported debt amount has been inconsistently changing without proper validation or justification, a clear violation of FCRA Section 611 ( a ) ( 1 ) ( B ). 
Billing Address Inaccuracy : The billing address associated with the debt ( XXXX XXXX XXXX, XXXX, NJ XXXX ) is not accurate, infringing upon the FCRA Section 623 ( a ) ( 1 ) ( A ).

Failure to Provide Licensing Information : The failure to provide licensing information, specifically the XXXX number, is a violation of FCRA Section 605 ( c ) ( 2 ). 
Incomplete Debt Validation : The incomplete debt validation provided violates the FCRA Section 611 ( a ) ( 1 ) ( A ), requiring detailed information about the original creditor, the account number, the amount owed, the legal basis for claiming I owe the current amount, and the age of the debt. 
Inaccuracies in Reporting : Various inaccuracies in reporting violate FCRA Section 607 ( a ), which mandates accurate reporting of consumer credit information. 
Furthermore, I must inform you that my legal counsel has advised me to contact you to resolve this matter amicably. However, if this issue is not resolved promptly and the inaccurate information is not deleted from my credit reports, I will have no choice but to proceed with legal action. I have accumulated ample evidence supporting my claims. 

Please do the right thing and delete this inaccurate information from my credit report with all three major credit bureausXXXX XXXXXXXX, and XXXX, as well as any other third-party creditors that may have accessed or reported this information. 

These actions are not only my rights under the FCRA, but they are also protections afforded to me to ensure the accuracy and fairness of information reported about me. Failure to comply will result in further legal action, as my rights include pursuing a civil suit under FCRA Section 616. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-03-03
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: STATE EMPLOYEES CREDIT UNION (NC)

North Carolina XXXX XXXX XXXX XXXX is illegally reporting false information on my credit report. My bankruptcy XXXX this debt XX/XX/2019 case XXXX This is fraudulent and Im tired of being bullied by this bank. Every time I go to the bank, they remind me of my debt and tell me the bank took a lost because of me. I was discharged a credit card, car loan? And personal loan. All accounts are reporting late pays since XXXX. This bank is I intentionally abusing my credit. Recently, State Employees updated my credit report to delinquent.
Consumer complaint received 2020-07-02
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (IL)

Judgement that I was never served. Company changed mortgage from FHA to conventional without my knowledge. Amount saying I owe is over the value of the home.
Consumer complaint received 2024-03-03
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc (OH)

My account was compromised. I initially XXXX  search chime customer service, in order to contact chime regarding questions & help with my account. 

The recipient on the other end was infact a scammer although they had all the chimes bells & whistles that one would incur calling chime. Even had account details. 

I was asked to download a mirroring app to help assist me with my account. Still thinking that Im on the phone with an actual chime agent I did so.. 

Within a matter of 30min if that, I had {$5000.00} removed from my account. This happened XX/XX/2024 I contacted chime with ( REAL ) actual chime number IMMEDIATELY. Along with filing a dispute IMMEDIATELY. Explaining to the agent what just happened to me. 

Chime says that they are doing a dispute. I dont feel as if they are truly helping me get back my stolen funds. 

I am a single mother of XXXX. I work very hard for my money & had plans on paying shelter/food groceries & bills with my money. It was my tax return that was taken away from me within a blink of an eye. I feel as if Im at a loss & dont know what Im going to do. 

As of today XX/XX/2024 Chime is still of no help to me. No one I talk to will provide me any information to my dispute. I feel as is I am being treated like the Criminal as opposed to the Victim at this very moment. 

I have filed a dispute with chime requesting that the transactions that was stolen from my account be cancelled & returned back to me. On XX/XX/2024 I have filed a complaint with the XXXX  on XX/XX/2024 Ive filed a police report with my local police department on XX/XX/2024 I have filed a fbi report online with ( XXXX ) on XX/XX/2024 Along with filing my complaint with you ( Consumer Financial Protection Bureau ) today XX/XX/2024.
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc. (CA)

on or about XXXX my former wife and i enrolled in a debt reduction program. all credit card debts was paid off in XXXX in XX/XX/XXXX / XX/XX/XXXX a debt that was previously paid off showed up on my credit report. my understanding over 100 people have filed a class action law suit against the debt collection agency for mismanagement of listing debts that are already been satisfied. please investigate my claim as i am attempting to purchase a property and can not proceed until this issue is resolved.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (KY)

2022 CHASE credit card {$16000.00} XXXX credit card {$7600.00} XXXX XXXX {$3700.00} These are all debts to which I was an authorized user for my job. These are all debt belonging to my ex employer XXXX XXXX XXXX I was told as per my contract states that once I no longer worked for him. I would be removed as an authorized user on all of his accounts, none of these purchases were for me, or for anything to do with me 100 %. Everything was for my employer. It simply made it easier for him for me to do my job as his personal assistant. 
I went through a terrible divorce. My husband destroyed the decent credit that I did have and Ive been trying to build it back up for XXXX years with on-time payments to my auto loan an early payoff on an auto loan small cards that I keep my balances very low and the major XXXX on my credit are these things that dont even belong to me
Consumer complaint received 2024-03-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (FL)

I had a XXXX week trial of XXXX XXXXXXXX. The XXXX said if I returned them I would not be charged. After XXXX days it was apparent that they did not work. I returned them I have a receipt. The XXXX said that he would take care of it and I would be charged anything. Well after XXXX months I started getting phone calls and credit card bills. At first I didnt know who it was. Then I figured it out and called them. The credit card company, comennity, said the dr. Did not return them in time and I owe XXXX. In late fees. Ill send you the bills if you need them. So now I have a negative on my credit. No fault of mine. I need help.. thanks. Call me XXXX XXXX XXXX.
Consumer complaint received 2024-03-02
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

The sequence of events began with the me making a good faith offer to settle a debt in question. This offer was extended with sincerity and willingness to resolve the matter amicably. Capital One, the creditor in question, accepted this offer, signifying an agreement to the terms proposed, resulting in the issuance of a payoff letter and the title of the vehicle. This act confirmed the completion of the settlement process and the satisfaction of the debt owed to Capital One. I rightfully obtained ownership of the vehicle in question. 

However, despite the debt being discharged and the settlement being finalized, my vehicle was stolen, by Capital One. They purportedly repossessed the vehicle under the guise of fulfilling the previously settled debt, despite the debt having been discharged and the settlement executed in good faith. 

This raises significant questions regarding the legality and ethics of Capital One 's actions. The acceptance of the settlement offer and the subsequent issuance of the vehicle title implied a resolution of the debt, rendering any further repossession unjustifiable. 

This situation represents unjust enrichment, breach of trust and raises concerns about Capital One 's practices in enforcing debt settlements. They have received vehicle and full payment for the vehicle.
Consumer complaint received 2020-09-04
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A. (FL)

On XX/XX/XXXX, the mortgage loan officer from PNC Bank received the executed agreement signed by both the seller and the buyer ( me ), specified for a vacant lot purchase. The loan officer assured me they could provide the loan for this property and for me to proceed with the seller. This included a non refundable deposit, that was only applied after I received reassurance from said loan officer that they were confident in the loan and the closing date. One week later, I asked the loan officer about some specific fees on the closing documents, and he replied 'I did not realize this was a vacant lot, we don't offer vacant land loan '. So my deposit is lost due to their error, and the scheduled closing is XX/XX/XXXX. I am yet to hear from anyone at PNC, and have not received any cancellation documents. The mortgage loan officer said I should get a call from his boss on XX/XX/XXXX, and I have received no call. This is unacceptable to put a customer in this position with no resolution.