davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-29
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: Receivables Performance Management, LLC (AR)

I recently submitted back towards the end of XX/XX/XXXX early XXXX of XXXX a Identity theft affidavit XXXX # XXXX ) ( to XXXX, XXXX, and XXXX  who was also included along with the affidavit ; a copy of my drivers license, social security card, and a recent copy of a utility bill. The Affidavit included specific detailed information relating to fraud related accounts due to identity theft which were XXXX XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX, XXXX XXXX # XXXX, and XXXX. XXXX  and XXXX  both failed to adhere to section 605b of blocking fraudulent information after being notified within 4 business days by a consumer. In addition XXXX   failed to investigate my dispute by responding with report # XXXX for XX/XX/XXXX stating they are declining my request and would require a copy of an identity theft report, drivers license, and social security card which is THE SAME INFORMATION THAT I SENT TO EXPERIAN WITH BOTH OF MY INITAL DISPUTES. This clearly violates section 609 and 611 of the Fair Credit Reporting Act and is a deliberate refusal to honor my request. Yet it has beyond 30 days and these fraudulent accounts still remain on my credit file which is against the FCRA guidelines. Due to the numerous violations these fraudulent related accounts should be removed immediately from my credit report from collectors as well as the bureaus.
Consumer complaint received 2023-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I want to open a new account at Bank of America, but was unable to do so because my XXXX credit report was frozen. I contacted XXXX, and received a letter saying that my credit report was unfrozen. I just checked today, and their website also says my credit report was unfrozen. But when I went back to the bank today, they couldn't open my account, because their computer says my XXXX credit report is frozen. 

I don't know whether the problem is with XXXX or with Bank of America, but I am at my wit 's end. 

Please help me resolve this problem
Consumer complaint received 2020-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

My last 4 of Social is XXXX Earlier this year, I filed a complaint against XXXX XXXX for not closing my account when I requested to close it, CFPB took action and XXXX  closed my card. 

Now, I am having a much bigger issue with XXXX XXXX. I was affected by COVID-19, XXXX  XXXX  asked if I needed help with payment and I requested for the relief but they continued to send me same email over and over again. I called XXXX and we went over COVID-19 relief program but, again, got several calls a day every day. On Monday XX/XX/2020, XXXX called again, the rep apologized and and we went over COVID-19 payment relief program one more time and he asked me to make a small payment by the end of next week which I agreed to do so. 
Today, I received an email from credit reporting agencies that XXXX has reported late payment and my score went down by 62 points. XXXX 's rep falsely promised and assured me that late payments will not be reported.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (PA)

While traveling two years ago a XXXX employee talked me and my wife into signing up for a XXXX credit card to earn fly miles. She told us we could cancel the card anytime. I made made a few major purchases to earn miles. I paid off the card to avoid interest, and the card has not been used since. I received a statement on XX/XX/2020, for {$95.00} for an annual fee, so did my wife.We had no idea what they had opened two accounts. We cancelled the cards immediately. They said we still had to pay the fee because we had to cancel the card by XX/XX/XXXX, We did not receive the statement until XX/XX/XXXX. How could we know?
Consumer complaint received 2023-02-22
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: Nelnet, Inc. (FL)

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. 

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, Nelnet is NOT the original servicer of the DEPTEDNELNET Accounts # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

Nelnet has also failed to properly secure and safeguard personally identifiable information for more than XXXX XXXX borrowers, including myself during a recent data breach of its servers. The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from Nelnets ( 1 ) failure to secure the data, ( 2 ) failure to comply with industry standards, ( 3 ) unlawful disclosure, and ( 4 ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the multiple DEPTEDNELNET Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Consumer complaint received 2019-08-04
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (IL)

One week ago, someone walked into a Chase bank ( while I was out of town ). This person some was able to obtain my checking account info ( I presume w stolen, cancelled credit cards and my old ID ) and then completely drain my checking account. I called immediately when I saw the withdrawal from my account and I was told that since the debit was pending I needed to wait XXXX to XXXX hours to the transaction to clear. When it did the next day and I saw the scanned withdrawal form with my forged signature. I immediately called Chase and they told me they would send me a fraud packet and that hopefully I can recover the {$1300.00} from my paycheck. One week later, no packet, let alone a refund. My account is frozen. I couldn't make my rent or credit card payment in time due to this. I feel violated and appalled by all this.
Consumer complaint received 2023-02-22
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Resurgent Capital Services L.P. (IN)

Some of the problem categories don't really identify with my situation. 

There are multiple collection agencies attempting to collect on the same debt. I have communicated to them requesting validation of debt and the account numbers, amounts are identical but the validation however the dates are the almost identical. 

I do not know who to reply to regarding this.
Consumer complaint received 2023-02-22
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: EQUIFAX, INC. (AZ)

on XX/XX/2022 I sent Equifax the following dispute information to be removed I have yet to receive any communication in regards to my results. I have attached my dispute information as well.
Consumer complaint received 2020-12-17
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Self Financial Inc. (TX)

The problem is SELF advertises that they will report all payment activity to assistant consumers by raising their credit score by showing on-time payments, etc ... The problem is, I took out the loan and made at least 6-7 payments on time that have never been reported on any of my credit reports. I requested via their website to cancel the service, AND I spoke with a representative in their XXXX office. I was assured that the activity would be reported, and it still has not. I stopped making payments because I wasn't getting what I paid for nor what they advertised. I continue to get harassing emails about my loan being late.
Consumer complaint received 2020-05-29
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (LA)

I had contacted XXXX XXXX XXXX I filed an extension on my account on XX/XX/2019. They extended my loan and approved my request. The paperwork was not sent out to me until XX/XX/2019 and I had until XX/XX/2019 to send the documentation back according to the paperwork before being reported to the credit bureau as late. Paperwork was signed and received on XX/XX/2019. Which pushed my payments to the end of my loan to avoid my account being reported negatively. The extension request was approved however the payments were still reported late. I spoke with someone who works in the office of the president who stated he can see that the paperwork was returned and processed however because the payment was late and the extension request was not signed and returned the same day that it was sent, so my account was reported negatively even though the loan was extended. Documentation states I had until the XXXX of XXXX. They were not able to assist because they claim it was valid. This is preventing me from purchasing a new home.
Consumer complaint received 2023-02-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Synchrony ( Care Credit ) Every month for 6 months. I've paid they charge Me every month a interest fee then a card fee. 
{$2.00} intrest card fee {$14.00}. 
XX/XX/XXXX. 6 months later I get charged with a intrest charge fee of XXXX and card fee of XXXX. Literally everything I have paid. Now we're in XXXX and my intrest fee is XXXX and card fee is XXXX. When I called them they said because they weren't charging all in the intrest fee and because I didn't pay it off in 6 months. I never saw anything stating that we owe extra for 6 months.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX  or XXXX  XXXX. But, obviously, the CRA 's do not care about following the law or even adhering to the law. The FCRA is clear about verifying with the furnisher, but the CRA has ignored my requests after 6 plus dispute letters concerning this inaccurate and inconsistent listing. If you are getting your information from the same furnisher - why is the information so wrong, inaccurate, and inconsistent? You did not get this information from the court - attached is a letter from the court proving you did not verify with the court. I will also file with the AG in my state amount this issue.
Consumer complaint received 2023-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: REGIONS FINANCIAL CORPORATION (TX)

Attempted to pay a balance in full with Enerbank on XX/XX/23. Paid balance listed on last statement as well as the amount shown on the Enerbank  website. Received a statement dated XX/XX/23 which showed a balance of ~ {$500.00}. 
Called to see how/why this balance existed since the listed balance was paid. Was told that the amount due was related to past interest which wasnt factored into the balance as well as interest accrued from the statement date ( even interest compounded daily wouldnt equate to this amount ). Stated a manager would call me back but have not received a call.
Consumer complaint received 2023-02-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I AM LOCKED OUT OF MY ACCOUNT. THE CHASE BANK SAYS I HAVE TO COME INTO A BRANCH TO UNLOCK MY ACCOUNT BEFORE I CAN MAKE TRANSACTIONS OR HAVE ACCESS ONLINE LIKE I HAVE ALWAYS DONE. THE MATTER IS I DONT RESIDE IN THE XXXX XXXX XXXX CHASE BANKS  ARE .... I LIVE IN XXXX XXXX XXXX. 

CHASE BANKS  INSIST THE ONLY WAY TO ACCESS " MY MONEY ACCOUNT '' AGAIN IS TO COME A BRANCH. THAT IS UNACCEPTABLE TO ME .... TO FLY TO THE XXXX FOR SUCH! PLEASE CORRECT THIS MAJOR PROBLEM FOR ME ... .AS CHASE BANK HAS " MY MONEY '' IN WHICH I NEED TO LIVE WITH.
Consumer complaint received 2020-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (IL)

I was told at the Best Buy store that when I added a purchase to my Best Buy credit card by Citibank that any payments I make on the card with the 0 % interest rate for 24 months would be used come off of the original purchase first and then be used for any secondary purchase after that. I set it up so my payments were made automatically on my card every month and that so the original purchase would be paid off by the time I would have been charged any interest. Instead, the credit card company must have allocated my payments every month to my 2nd purchase, thus when the 24 month period had ended for my 1st purchase, they claimed I still had not paid it off and slapped me with an {$870.00} interest charge for the 1st purchase. I called and explained that I wanted this interest charge removed because it is a shady way of offering a 24 month interest free promotion. Very shady. If I would have not added any more purchases to the card, the first purchase would have been paid off. So, they punished me for making an additional purchase on the card while I was paying off the first purchase.
Consumer complaint received 2023-02-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TOYOTA MOTOR CREDIT CORPORATION (AL)

Around the middle of XX/XX/XXXX I acquired a vehicle in a consumer credit transaction through XXXX XXXX Mazda and Mazda Financial Services ( also Toyota Motor Credit Corporation ). I asked quite a few questions about my rights as a consumer but I was basically told they do not exist. I never received full disclosure among other things such as no documents to rescind the contract nor the fact that I had the ability. Furthermore, the documents actually say there is " no cooling off period '' which violates rescission in federal law, and as such I was never told I have 3 years to do so. 

Around XX/XX/XXXX I mailed by certified mail, a debt validation letter to Mazda Financial/Toyota Motor Credit ( attached ). They responded on XX/XX/XXXX that the debt validation letter was a " fraudulent form of payment '' and threatened legal and physical actions against my property. 

On XX/XX/XXXX they then sent a cease and desist of their own volition saying the would " cease all communications regarding the account ''. They lied, and sent another bill the next month ( attached ). 
AFTER THE 30 DAY WINDOW FOR VALIDATION I NEVER SO MUCH AS RECEIVED A WORD REGARDING IT. I EVEN CALLED, THEY LIED SAID THEY SENT IT, AND SENT ANOTHER ONE THAT DAY PER MY REQUEST ( late XXXX ). I NEVER RECEIVED THAT ONE EITHER. They continued to attempt to collect the " debt '' during the validation period/dispute and continue to do so. 

They were also " assigned '' the " debt '' which was never properly disclosed to me either, nor did i receive any consideration for my signature. Assignment is for Creditors in bankruptcy, and Debt collectors and creditors must be the same person as well.

Mazda continues to collect a debt illegally, continues to violate their own cease and desist, and can not and has not validated the debt they claim I owe after more than 30 days.
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Synovus Bank (MA)

Dear FIRST PROGRESS Bank ; I was reviewing my credit report a couple of days ago, and I was shocked that there is a negative item thats fraudulent reporting on my credit report without my consent from your company, which was allegedly opened in XX/XX/2018 without my consent, and there is a current value of around {$160.00}. Obviously, I never applied for this account, nor did I authorize anyone to apply on my behalf.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: AMERICAN EXPRESS COMPANY (NY)

Anonymous " American Express Serve Card '' agent personnel located oitside of XXXX XXXX have been embezzling from my checkimg account for over a year now. The most recent vanishing funds transaction took place yesterday on XX/XX/2023. {$500.00} XXXX XXXX transfer to my XXXX was initiated by me XX/XX/2023. The transaction was pending, then now it is completely unaccounted for, & the funds was not returned & reflected on my available balance. Account has a limit of $ XXXX a month. Prior sums monies have been embezzled when they put my account into negative & froze my account.
Consumer complaint received 2023-02-21
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (IL)

Im a victim of identity theft I have no knowledge of these delinquient accounts! None of these companies listed on my credit report have my written consent to use my informtion. 
By the provisins of the FCRA Act and per the standard of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX Compliance regulations, I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant and verifiable. I demaned that the above mentioned derogatory items be investigated and permanantly removed from my report!
Consumer complaint received 2023-02-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. ()

XX/XX/XXXX my wife was on line using XXXX to transfer money from one account to another and had difficulty. she talked with a XXXX XXXX XXXX rep and eventually had her cancel the transaction. the rep was slow and put me on hold for extended periods of time. ( my wife filed a complaint about the rep and talked with someone on the phone from that bank on XX/XX/XXXX ). 

XX/XX/XXXX I received an alert from XXXX that a new credit card was set up in my name on XX/XX/XXXX. my wife researched this and canceled the card on XX/XX/XXXX. it was a Victoria secret card with comenity bank. 

XX/XX/XXXX. my wife called comenity and canceled the card after explaining everything to the phone rep and they were marking it as fraudulent and said they would be doing an investigation and would send me info. 

XX/XX/XXXX my wife froze all three credit approving agencies in my name. 

XX/XX/XXXX we received over {$570.00} in VS thong underwear. my wife called VS LOCALLY and was referred to their fraud dept. The person that ordered the items. called and had the mailing address changed to send items to an out of state address, XX/XX/XXXX wife called Comenity Bank and the card is closed and marked fraud as of XX/XX/XXXX, the rep could not see where any second order was placed. if change made on or after XX/XX/XXXX it should not ship since card was closed and marked fraud. 

I have been instructed to take items to local VS for credit and get a receipt, I have filed with XXXX XXXX, NC XXXX.
Consumer complaint received 2023-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX XXXX by Wells Fargo On XX/XX/XXXX we have a withdraw from our business account for the amount of {$31000.00} this is the total withdraw for all my employees for this pay period. 

On XX/XX/XXXX we received a notification from one of our employees that he has closed his bank account so the funds can not be access. We contact our payroll company about this issue and requested the funds back just for this single employee in the amount of {$1200.00}. This amount was return to our account on XX/XX/XXXX. 

We issue a company check to this employee for the same amount {$1200.00} for him to cash and he did it on XX/XX/XXXX ( check # XXXX ) Wells Fargo never contact us back regarding any issues about this in XXXX. 

On XX/XX/XXXX the same check # XXXX for {$1200.00} was cashed again by the same employee ( at this time he is no longer employee ) On XX/XX/XXXX I dispute the charges with my bank ( wells Fargo ) while they investigate they credit my account {$1200.00}. 

On XX/XX/XXXX The bank withdraw the funds back again for {$1200.00}. follow by a letter with reference # XXXX " based upon our research, we have determined the transaction has posted correctly ... .. please consider your claim closed. 

I have been to the branch already 5 times to get a detail explanation why they don't understand that the check was chased twice. in conclusion always get the same response. we can not do anything about it in the branch. You have to escalate it over the phone. 

I have call 3 times to the number the branch manager give to me to escalate the complain and always end up in the same result. We can not transfer you to that department, they will call you back in the next 24 to 48 hours and I have never received the call back. I have already wait 10 business day.