davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc. (GA)

Hello, your company is committing extortion against me by reporting to non-affiliated third parties coercing me to pay an alleged debt. In addition your company has violated me per 15 US code 6802 : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Also your company did not provide full disclosure, required under TRUTH IN LENDING, of my ability to opt out of any sharing of my nonpublic personal information with non-affiliated third parties : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.The only credit bureau is the CONSUMER FINANCIAL PROTECTION BUREAU. Your company did not have my written consent or fully disclosed permission to share my non-public personal information with any third party such as a credit reporting agency. YOUR COMPANYS ACTIONS ARE NOT LAWFUL CONSIDERING I WAS NEVER PROVIDED FULL DISCLOSURE. Your company has been implicit in harm against me and my financial reputation and I will seek remedy for my damages through legal procedures if this matter is not rectified immediately. This is my final attempt to resolve damages you have caused me before filing for arbitration.
Consumer complaint received 2022-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nickel City Group LLC (IN)

I have been receiving calls from a company called Nickel City Group LLC requesting that I call them back regarding a debt that I paid with them. I was suspicious that I had already paid this debt but they had an account number, the name of the company, and the amount owed which all sounded legitimate. I thought I had paid off this debt a long time ago but when I checked my credit report it didn't verify that. Therefore, I paid the Nickel City Group LLC {$320.00}. This transaction was processed as XXXX XXXX XXXX XXXX / XXXX XXXX NY POINT OF SALE DEBIT. Since, they have just called me again and I called them back and they hung up on me after giving me the wrong last 4 of my social. I think this company is some how gaining access to people 's past debt and preying on them to " pay it off '' again. XXXX XXXX was the lady I talked to and she got very offended when I accused her of fraud. When I called back today it sounded like the same person with a different name.
Consumer complaint received 2022-08-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (FL)

Discovered three negative remarks on my credit report all three were placed by National Recovery Agency, and the client for each was XXXX XXXX XXXX. 

Each of these are different dates of service. 

I offered to pay one of these bills each month starting with the lowest balance until all balances were paid. National Recovery wanted to combine all three balances and have me pay a third of the total each month. 

I don't offer money I don't have I also believe this would " reset the clock '' on each of these debts. 

I reached out to XXXX XXXX and paid the first balance of {$110.00} it is noteworthy that only one balance exceeds {$500.00} further motivation for National recovery to combine balances. 

I would like the negative remark removed from my credit report before I pay any further money.
Consumer complaint received 2016-07-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ascension Point Recovery Services, LLC (MO)

My Mother passed away in XXXX of 2016. She had no life insurance, nothing-they claim they want to speak to the person in charge of the estate..I am on the DO NOT Call LIST, and there is no estate, nor would the " collector '' tell me what company they are representing. She hung up on me. I called back, explained again, my Mother had no estate, all of her XXXX which was social security, went to my Fathers care, and was barely making it financially with her XXXX, Was put on hold for a manger, who never came to the phone after 7 minutes of hold time. I am in fear, and this company and recovery agents have caused me stress.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: RENASANT CORPORATION (MS)

I have been trying to resolve a fraudulent charge on my checking account since XX/XX/XXXX and need your help. On XX/XX/XXXX - an unauthorized charge of {$220.00} was deducted from my Renasant Bank checking account for a payment to someone's XXXX XXXX XXXX I do not own a XXXX XXXX, never have and did not authorize this payment. I closed my Renasant Debit card immediately. 
I disputed the charge with Renasant Bank on XX/XX/XXXX advising of the fraud charge. On XX/XX/XXXX Renasant denied my dispute stating it was a valid charge. 
I called Renasant Fraud Dept and spoke to agent XXXX and her supervisor XXXX. 
They said XXXX told them this charge was valid and I would have to dispute with XXXX. 
On XX/XX/XXXX I called XXXX XXXX XXXX XXXX who advised someone in XXXX XXXX, FL used me card number to pay their XXXX Bill. This fraud person had also created a fake email in my name- and told XXXX I was helping them out that month to pay for their bill. XXXX bought this fraud 's story and charged my card. XXXX also said there were " red flags '' all over the place for this person 's account- and that this theif used a different credit card every month to pay their bill. However, XXXX said Renasant Bank should have researched this and I would have to go back to Renasant to resolve with XXXX. XXXX also faxed me a copy of the XXXX charge and I am able to provide the XXXX  credit card number, name and address of the thief. 
I then called Renasant back and spoke with agent XXXX. XXXX and I called XXXX together and reviewed everything. All were in verbal agreement that this was fraud and XXXX advised she would reopen case and get back to me. 
I waited 6 months and never heard a word back. So I contacted Renasant via email on XX/XX/XXXX with no response. I then went into the Renasant bank manager - who said she would look into it. I went to the bank manager again in XXXX and XX/XX/XXXX- each time with promise to look into it with no response. I emailed their fraud dept again on XX/XX/XXXX and received a response this case was closed a year ago - XX/XX/XXXX. 
Thankfully, it is only {$220.00}. but still - Renasant bank should be responsible in paying this. Renasant should have been the one to find out all the facts with XXXX and gone after XXXX to go after the thief. XXXX should have billed back the thief and released my funds instead of believing the thief and his lies. 
Are you able to assist? I should not be responsible for this and should be able to get my money back. Please let me know if you need anything further. XXXX XXXX
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

A massive problem ; I had a dispute with a copy in XXXX. They said, if I would end the dispute they would refund me. The issue is I do not know if I can trust them. I told this to the capital one agent who called. She said she would three way me on the phone at XXXX today. I see she already reversed the dispute without my permission and I am very upset. I do not like liars and I have gotten a lot of them from Capital one.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (CA)

I have filed Case # XXXX with Barclays ... .The issue began in. XXXX When I received this credit card for XXXX XXXX, gap and old navy .Right away i got a statement before I even used the card.Its been multiple calls to resolve this issue since XXXX. 
I have purchased items worth {$43.00} and have made payments for over {$70.00}.
Consumer complaint received 2022-08-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (OR)

I graduated from XXXX XXXX  on XX/XX/2022. I have XXXX XXXX and Direct Unsubsidized federal loans. In XXXX, I contacted my servicer, EdFinancial to let them know that I had graduated, and asked that they update their records. 

On XX/XX/2022, I submitted a repayment application, requesting an income-driven repayment ( IDR ) plan and indicated that I wanted to start making payments under the plan immediately. My XXXX XXXX loans were placed in an IDR, but not my Direct Unsubsidized loans. 

I contacted EdFinancial by phone and they told me to submit another repayment application, which I did, on XX/XX/2022. On XX/XX/XXXX, I emailed EdFinancial to ask about the status of the application. On XX/XX/XXXX, they replied and said that it would take 7-10 business days to be processed. 

On XX/XX/2022, I submitted another IDR request. I then emailed EdFinancial again on XX/XX/2022, letting them know that if they were unable to resolve this issue for me in a timely manner, that I would be filing a complaint with CFPB. I attached all three IDR requests. I have not received a response to that email.
Consumer complaint received 2019-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NC)

XXXX XXXX out of XXXX, CA stated that I owed {$730.00} from a overdrawn XX/XX/2009 Wells Fargo checking account. Claimed they were going to file a civil lawsuit but refuse to provide any documentation or verifying information. Would only provide method to repay. Was rude, condenscending and dismissive. They originally contacted my son on his cell phone and left message which he forwarded to me.
Consumer complaint received 2022-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (MN)

DISCOVER failed to zero out my balance. On XX/XX/2022, Promissory Note No. XXXX made out to DISCOVER to discharge the entire balance of the the credit card, was remitted for settlement and closure. The Negotiable Instrument was presented under the authority of UCC-2-104 ( c ) and other precedent ( see attachment ).

Instructions were given to DISCOVER that unless the Negotiable Instrument is DISHONORED in writing within 10 days of receipt, by the SECRETARY OF THE TREASURY, Claimant 's financial institution was to release the credit on hold to the payee ( claimant ) with the time stipulated by Regulation " Z '' Truth in Lending Act. The amount of this accepted draft was to be ledgered by DISCOVER, XXXX Department, to the designated account for the redemption of this claim ( Regulation Z ). This statement constituted Drawer 's order to pay this instrument upon presentment and endorsement. DISCOVER failed to zero out my account. DISCOVER engaged in unlawful, illegal, and predatory banking policies and procedures. I have attached all the letters and copy of promissory note sent to DISCOVER in good faith attempts to zero and close this account, all of which have been ignored and have gone unanswered.
Consumer complaint received 2022-11-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CO)

Our vehicle was stolen along with our devices and cards. It was done by what we thought were friends. We were banking with Wells Fargo and I turned this in to the fraud department, but the fraud department did not recognize that we had a police report, that our devices were logged into accounts with that card information, they were around us multiple times even paying for things and may have seen the PIN number, or anything that I turned over to them with proof.

We were investigated by the fraud department, it was a persecution, and we were told that we were straight up lying and that the account had no suspicious activity. The account had only been funded for XXXX weeks! How do they know our patterns with in XXXX weeks and less than XXXX transactions completed by us? We not only got all the money in our account stolen by these so called friends ( around {$1200.00} ) but the bank charged us {$110.00} which got paid by a direct deposit then immediately closed our account for insufficient funds. 

We pay for fraud protection to protect your money, not take it. So all in all Wells Fargo and their Fraud department as well as their Head Office staff, yes I went that far, took almost {$1500.00} from us with no proof and no supporting evidence to show that it was us. Their story changed every time ( I turned this in I think 5 times ) and my story was always the same, the truth. They told me to take the people to small claims court to recover our loss. Why cant I take Wells Fargo to court for not providing the fraud protection we pay for? Why cant I take Wells Fargo to court for the fees they charged us due to this incident? Why cant I take Wells Fargo to court for discrimination? Financial hardship? Lost wages? These are all things that took time and money away from my business so I have lost wages as well. I cant get anyone at Wells Fargo to listen or respond as once they got that direct deposit and the {$110.00} that was applied for my account being fraudulently charged they closed my account due to insufficient funds. 

Wells Fargo does not protect your assets, they persecute you and keep those assets any chance they get because they can and they get away with it. They are too large of a bank to have any repercussions and they make a good front with all their philanthropic donations and involvement with the money they are keeping from their patrons.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CA)

I keep getting calls from this company I have no idea what they want they call from different numbers and different locations I am currently unemployed. I lost my wife to XXXX I am struggling financially what ever they want I am not paying them please leave me alone and stop calling me
Consumer complaint received 2022-11-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IL)

I cosigned a student loan for a friend in XX/XX/XXXX for {$27000.00}. Another in XX/XX/XXXX for {$27000.00}. Loans were for friend to attend XXXX XXXX XXXX XXXX XXXX. I did receive a couple of calls from Navient early in the life of the loans ( maybe XXXX and XXXX ), but did not hear anything for years, was under the impression that all was being handled by the primary borrower. 

In XX/XX/XXXX, I received a collection call from Navient informing me that the account was delinquent and now in my name only. I was completely unaware that the primary borrower was no longer the responsible party. Navient has been calling to ask me to now provide payments for a current balance of roughly {$93000.00}. 

I requested copies of the original contracts, as well as line item detail of the interest that has accrued on the loan to balloon it from {$54000.00} to {$93000.00}. I received the original agreements, but nothing detailing the balance increase. I will attach the loan history per my account login on the website. It is not much detail and extremely confusing. I do not know what was happening in the first few years of the loan with forebearance charges and such, I was not involved in any of that, communication was between Navient and the primary borrower. I am also not sure how interest was calculated since XXXX when I stopped receiving communication from Navient.
Consumer complaint received 2022-08-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd. (IN)

To Whom It May Concern, I have a medical collection for Harris & Harris that is currently reporting to the three bureaus. I also have a medical collection that was not reporting. Today, XX/XX/XXXX, I called Harris & Harris and spoke with XXXX to inquire about possibly settling the debts and having the one collection removed from my reports. 

XXXX advised me that, although I have been making monthly payments on both collections, that they decided to report the second collection to the bureaus on XX/XX/XXXX. I was absolutely shocked to hear this, as I received no notification that they were going to report it. It was also my understanding that by making monthly automatic payments to them, it would prevent them from reporting. 

When I advised XXXX of my concerns, she stated to me that it is completely up to them when they report ( she even mentioned reporting {$5.00} collections after only having them for a few days ) and that despite what I may have understood, making payments will NOT prevent them from reporting. 

According to XXXX, they received the collection in their office on XX/XX/XXXX. If the collection was received on XX/XX/XXXX and it was reported on XX/XX/XXXX, that is one month early from the required 6 months that a collection can not be reported, if you go by the regulations since XXXX. 

However, as of XX/XX/XXXX, the three major credit bureaus changed the amount of months that a collection company can report a medical debt over {$500.00} from 6 months to 1 YEAR. I have attached a screenshot with the changes and the dates that they take effect. You will see that only the practice of not including medical debt under {$500.00} will not take place until the first half of XXXX. 

The new collection being added will have a severely negative impact on my scores, and those points can only be recouped when the collection is removed. Therefore, it appears that Harris & Harris is in violation of the new rules and regulations set forth by the bureaus in what seems like an attempt to force full payment so that it will be removed from my reports. Harris & Harris is conducting what is essentially a bait-and-switch scheme.
Consumer complaint received 2022-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2022-08-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (MD)

My daughter, XXXX XXXX, had a checking account with Wells Fargo ( XXXX ). 
She got caught up in an online fraud. Wells Fargo allowed an obviously fraudulent check be deposit into her account for {$1500.00}. Her account never even had {$1500.00} in it and had never even made a {$1500.00} deposit before. While they put this amount into her account, they did flag a subsequent {$1000.00} check. In the meantime, they allowed her to XXXX ( from her Wells Fargo account ) to scam XXXX address. My daughter made a mistake. However, Wells Fargo needs to take ownership that they both processed a bogus check, which allowed the bogus XXXX check and an additional XXXX for {$500.00} to go through. {$1500.00} total.
Consumer complaint received 2022-08-16
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. (MD)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.