davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Southern Management Systems Inc. (TX)

" As per the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is stated that 'There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ' Under 15 USC 6801, it is Congress 's policy that financial institutions must 'respect the privacy of its customers and protect the security and confidentiality of those customers nonpublic personal information. ' The furnisher of information to credit agencies is considered a financial institution under this statute.

According to 15 USC 1681 section 604a ( 2 ), 'any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ' XXXX, XXXX, and the furnisher of information do not have my written consent to furnish my information. 

15 USC 6802 ( b ) ( c ) specifies that 'A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ' The furnisher of information never informed me of my right to exercise my nondisclosure option.

Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports without authorization. This account is an adverse item being reported without my permission, which is against the law. 

Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that '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. ' XXXX and XXXX are not maintaining reasonable procedures to avoid such violations. 

Furthermore, 12 CFR 1016.7 allows consumers to 'exercise the right to opt out at any time. ' Therefore, I am opting out of their reporting services. ''
Consumer complaint received 2023-06-23
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (FL)

I recently was scammed by a new employer XXXX XXXX that posted a remote XXXX XXXX position on XXXX. This resulted in me unknowingly depositing checks that would bounce and wiring money from my PNC Checking account before the checks bounced. 

PNC was aware that the checks were Altered or Fictitious but did not alert me ASAP. I found out after I wired money out of my account. PNC is claiming that since this is a SCAM and not FRAUD, they are now saying I owe them the negative balance of - {$9400.00} in my checking account that they closed. Before the scam started, I had {$10000.00} in my checking account and {$4000.00} in my savings account. All of that is gone. PNC made an effort to get the wired money back with no luck. 

I think that since PNC realized the checks were Altered or Fictitious and did not alert me, they should be held accountable for this scam, and that I should not have to pay the {$9400.00}.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Community Cash Management Corp. (ME)

Company involved Marcam Associates XXXX  XXXX XXXX  I have a debt with XXXX XXXX XXXX.of {$2200.00} I did not notice the bills arriving as I had to go back in to the hospital after my intial medical problem The bill was not paid because I overlooked it..XXXX  XXXX sent it to collection.ended up with Marcam assosiates After all this happened I made a deal with XXXX XXXX to Pay {$100.00} a month on my payment plan I they would take the bill out of collection They agreed Marcam Associates says it is still in collection with them This is incorrect and some credit reporting agencies have already removed the collection but not Marcam. I want the bill removed from Marcams collection Thank you
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (NV)

ON XX/XX/2023 I RECIEVED A EMAIL FROM XXXX OF HARD INQUIRY FROM DISCOVER AND IVE NEVER SIGNED UP FOR DISCOVER IT WAS FRADULENT SO DISCOVER FINANCIAL SERVICES REMOVED THE ACCOUNT FROM MY CREDIT REPORT BUT THE INQUIRY IS STILL ON MY CREDIT REPORT AND THIS IS FRAUDULENT AND I DID NOT GIVE DISCOVER FINANCIAL SERVICES PERMISSION TO ACCESS MY CREDIT REPORT AND I WANT THIS INQUIRY DELETED OFF MY REPORT NOW!!!
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: American Student Assistance (GA)

I am reaching out regarding some fraudulent accounts on my file. I was reviewing my credit report and saw that American Student Assistance has placed multiple fraudulent accounts on my file. These accounts are not mine and should be treated as such. I have no knowledge of these accounts and are demanding that these accounts are deleted from my credit report as soon as possible. Furthermore, I am requesting that because you HAVE reported yourself on my report that you submit the following information- May you please send me the original contract proving that I had a contract with you all. Being that this account has recently shown up on my file, can you all provide your chain of title and errors and omissions policy number proving that this company is even certified to collect this alleged fraudulent account. If you can not provide the following documentation to me or support my Identity Theft report showing that these accounts are not mine, delete these accounts.
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

This is XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120.00} - XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$710.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.
Consumer complaint received 2020-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (SC)

I have been paying on 1 of my student loans with Navient but instead of the payments going to the balance, my payments have been going to late fees and interest. The problem with that is whenever I have been late in the past, the fees and interest were added to the previous balance. Therefore by Navient putting my payments towards those fees and not reducing the balance I am paying for them TWICE. Not only that I have 2 loans and I have chosen to pay off the smaller loan. The fees aren't that much but instead Navient is putting my payments towards the entire amount of both loans even though I have specified exactly which loan I want my payment to be applied to. Since XX/XX/XXXX until XX/XX/XXXX, I have paid a total of {$1200.00} of that amount {$630.00} have gone to interest and late. fees. The total amount that should be paid on Loan 1 is {$1500.00}. How can Navient ADD late fees and interest to my account and then submit my payments only to those fees but my balance does not decrease? Also, since I am given the choice of which loan I want to pay off what right does Navient have to put my payments where they want them to be? Not only that they report to the credit bureaus every month that I am NOT making payments.!!
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southern Management Systems Inc. (FL)

Upon checking my consumer report on XX/XX/XXXX, I notice there was a collection account been furnished by SOUTHERN MANAGEMENT SYSTEMS to my consumer file. I dispute this matter with the consumer reporting agency as I have no knowledge of this account nor have I received any prior Initial communication from this company who identifies themself as a deb collector as per the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) FDCPA.

I also reached out to SOUTHERN MANAGEMENT SYSTEMS that I the consumer wishes to Cease all communications with me the consumer and my household pursuant to 15 U.S.C. 1692c.

The company said they will notate the account as per my request and will follow up with me. 

On or about XX/XX/XXXX I received a copy of my consumer report and notice the said company was still communicating with me via furnishing inaccurate information to my consumer report, and thus severely damaging my creditworthiness and reputation as federally protected consumer.

Said company is knowingly failing to comply with the FDCPA section 805 regarding me as a consumer exercising my rights to cease communication. 

On XX/XX/XXXX I the consumer furnished written notice to SOUTHERN MANAGEMENT SYSTEMS to CEASE AND DESIST ALL COMMUNICATION. 

As of today XX/XX/XXXX the company has yet to rectify or acknowledge my right to do so. 

Several calls to said company is met with rude and profane language directed at me the consumer by its agents and refusal to have me speak with a management personnel, legal or compliance.
Consumer complaint received 2024-03-18
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My account was compromised.I never received my card. charges where made using the card and I had no involvement in I noticed Bank of America several times and disputed transaction several times times with out the situation being rectified I just dont know what to do and cant afford a loss of this magnitude please help me
Consumer complaint received 2023-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

I'm so stressed and so disappointed that this is happening to me and my credit report, Not only this is so embarrassing but also prevents me to have a beautiful life for my family and me. REMOVE THE ACCOUNTS THAT ARE NOT MINE!!
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (WY)

In accordance with the Fair Reporting Act these creditors has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy 15 USC 1681 section 6O4 A 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 credit card account under an open end consumer credit plan as late for any purpose. The following are a list of the creditors : XXXX. ) XXXX  XXXX  XXXX. ) XXXX XXXX XXXX. ) XXXX  XXXX XXXX. ) XXXX  XXXX XXXX. ) XXXX XXXX XXXX. ) XXXX  XXXX. ) XXXX XXXX
Consumer complaint received 2023-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (TX)

Mohela, as the federal student loan servicing contractor, essentially scammed me. Their staff encouraged me in XX/XX/2022 to request a refund of my XXXX forbearance payments made to the prior loan servicer, promising me the US Treasury would refund me approximately {$15000.00} in total. However, that never was requested of the Treasury, or Mohela prevented the refunds from being made. Either the request to make the refunds was not sent to the Treasury, or Mohela misrepresented their intent, and changed my zip code from a Texas zip code to a DC area zip code, as they later claimed the Treasury issued me a check for about half the total, but it was returned due to an incorrect address. My address was correct up until that time, but someone changed the Texas address to a DC zip code in ED records. After taking some time to correct that, no action has occurred, and I keep being told that refunds will be requested. In the interim, Mohela processed a loan consolidation request I made months later, and processed the new loan as if I had received the full amount of the refunds. So, the consolidation loan total is over {$30000.00} instead of close to {$15000.00}, which was the remaining balance after the forbearance payments. Mohela has committed fraud and theft by essentially promising the refunds, acting like they were made prior to consolidating the loans, and somewhere pocketing the approximately {$15000.00} I already paid. I did tell Mohela that instead of the refunds, they could just correctly make the consolidated loan balance around the {$15000.00} total loan balance it was before the consolidation was processed, but they have refused. So, I have made about {$15000.00} in education loan payments that have just vanished into thin air.
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Atlanticus Services Corporation (CA)

XXXX XXXX XXXX {$680.00} The debt collectors engaged in abusive, deceptive, and unfair practices of the FDCPA, which it prohibits. They furnished this account we did not agree upon, and I did not sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so, they did not follow the XXXX step validation procedure, which makes these unfair practices. According to the FDCPA, I'm entitled to {$1000.00} dollars per violation, and they clearly violated my right.
Consumer complaint received 2024-03-18
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CARVANT FINANCIAL LLC (NY)

While in possession of the vehicle, I did hit an animal which totaled the vehicle out completely. The vehicle was then paid off by my insurance company with a {$500.00} balance left. ( My deductible fee ) I do not understand why the company is representing this as a repossession when it was not and never was even in repossession status.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SCHOOLSFIRST FEDERAL CREDIT UNION (TX)

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it's essential for consumer reporting agencies like XXXX and XXXX to handle their responsibilities with fairness and respect for privacy. As a consumer, I have the right to ensure my private information remains secure, supported by 15 USC 6801, which emphasizes the obligation of financial institutions to protect customer privacy. Section 604a ( 2 ) of 15 USC 1681 specifies that consumer reporting agencies can only furnish reports with the explicit written consent of the consumer. I haven't provided such consent to XXXX, XXXX, or any financial institution. Additionally, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers about their right to withhold personal information, which was not done by the information furnishers. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information without authorization, which they've done unlawfully. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information to consumer reporting agencies, and XXXX and XXXX are not maintaining adequate procedures to prevent violations. Lastly, according to 12 CFR 1016.7, consumers have the right to opt out at any time, and I am exercising that right regarding their reporting services.
Consumer complaint received 2021-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Idk XXXX XXXX informed me of a new hard inquiry and I haven't applied for any credit cards .... and ib think my identity had been stolen cause I can't answer questions to confirm my identity
Consumer complaint received 2024-03-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MD)

I don't recall having a contractual relationship with this collection company LVNV FUNDING. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc. (MD)

This third-party collection company has been repeatedly harassing me through communication on XX/XX/2024. I made several calls to this company and informing them that I have no contractual obligation between myself and them and that this account is fraudulently reporting on my credit report and is indirect violation of the FRCA. The action that Im seeking is to have this account delete it from my credit report immediately at monetary compensation as a result of this illegal violation.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NE)

A collection account was removed from my credit report from XXXX XXXX XXXX and my credit score only went up 5 points. My credit score should have increased at least 23 points for the removal of a collection account.
Consumer complaint received 2024-03-17
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (MN)

At some point I may have had a collection with sprint but its been years since then and it was paid and closed. Now I checked my credit report and it has XXXX collection from Jefferson Capital system for XXXX and have no recollection of debt. Opened date is saying XX/XX/2023 original creditor XXXX XXXX. I did some research and found XXXX of reviews stating the same thing. This company is opening collections years later thinking consumers wont see it. This collection agency is shady and Im just trying to work on my credit. I just looked at all of my closed accounts in the past and none of them are sprint so Im assuming this could just be identity theft but this company sounds shady.
Consumer complaint received 2024-03-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (IL)

In Accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 6 O 2 states I have the right to privacy. It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b A Creditor may not treat a payment on a end consumer credit as late for any purpose.
Consumer complaint received 2024-03-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Wolf River Development Company (AL)

in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a 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 credit card account under an open end consumer credit as late for do any purpose
Consumer complaint received 2024-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I have my checks direct deposited without any issues all the time. I had a deposit made on XX/XX/year>. Therefore my funds should have been available on XX/XX/year> during night processing. Chase did not deposit my funds that they have into my account. I have to wait until Tuesday XX/XX/year> to receive my funds because the processors will not be back until Monday night XX/XX/year>. As a result I live pay check to pay check and have not had any money all weekend because of their negligence. I was unable to buy any food or personal items that I needed. My check was actually late which put me in a bad situation as I have been unable to work because Im on XXXX  and under doctors care due to long XXXX health issues.. XXXXXXXX XXXX would deposit my funds the same day as the deposit, but Chase waits until the next business day. I cant see how they are allowed or even able to hold my money like they did. I hope I receive it on Tuesday ; I dont know what I will do.