davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-29
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. (NC)

Hi, My name is XXXX XXXX. I have submitted a complaint with experian over 30 days ago via certified mail and their online dispute center. I enclosed two forms of identification a utility bill and my driver license which knocks out their claim that they can not verify identity. I have a XXXX XXXX XXXX account that is infactual and does not belong as stated in the dispute requests sent to this bureau on multiple occasions. Please see the enclosed documentation in response to taking longer that 30 days and not sending out investigation results and leaving the status as pending. I seek the CFPB help in them violating FCRA laws.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC.
Consumer complaint received 2022-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Collection Agency, Ltd. (WI)

In XX/XX/2020, I was contacted by XXXX XXXX about this account. I sent a letter to XXXX XXXX because I have a right to be treated by a collection agency with dignity and respect. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Calling and impersonating friends/relatives especially when you are taking advantage of elderly people Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days. 

XXXX XXXX stopped calling and never provided any documentation about the debt. Now, Continental Collection is showing on credit reports. So I dont know who owns this account. Recently, I was checking my credit reports and noticed Continental Collection. Continental Collection has never provided any documentation to me about this debt or sent me any communication about this debt. In addition, they are increasing debt amount every month on credit reports. I dont know if they have the authority to do so. I have no knowledge of this account. I am retired and on Social Security at this time. I want all collection activity to cease and desist and this account removed from all credit reports. 

According to the fair credit reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by a FEDERAL law to verify through the physical verification.
Consumer complaint received 2021-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (WA)

I attended XXXX XXXX in 2011 pharmacy tech program. They miss represented themselves by explaining the hiring rate etc. I then began to speak to other students that graduated a head of me and they expressed their same situations. During the time my father helped signed me up one private loan and federal which private one was paid off. I then was reached out to for forgiveness. which I did pay for awhile.I dont believe I should be paying for a scam. I then began to do research and saw that XXXX XXXX was also fighting for discharge for misrepresentation.I am reaching out to see if their is any possibility to be able to discharge. Im in need of guidance.
Consumer complaint received 2022-03-25
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

This is a forgery case. I made/wrote a check through my bank account with XXXX XXXX ( to Person A ). The check was sent ( to Person A ) via mail/USPS and it got intercepted. The person who intercepted my check ( Person B ) cashed my check at a Wells Fargo Bank for a big amount which I would expect Wells Fargo together with XXXX XXXX to follow security protocol and not just release a big amount of money to any individual. I filed a claim with XXXX XXXX on XX/XX/2022. We are about to hit 3 months and neither has Wells Fargo nor XXXX XXXX have made me whole again. I have provided all the documentation that Wells Fargo has requested ( Affidavit of Person A testifying that they never received my check nor cashed it, A letter of Circumstance, a Police Report, Texts, photos, emails ) through XXXX XXXX XXXX Investigator and I have not received my stolen money back or made whole again. I don't understand how my hard earned money was given to the wrong person in a few minutes by Wells Fargo, yet I have to work hard, provide evidence, and wait for almost 3 months and I still don't have my money back. To top it off, Wells Fargo has a bad reputation and bad background when it comes to handling money and stealing from their customers - I don't understand how they are still able to conduct business with such history. All I want is to be made whole again as this situation has not only made me sick/ill with stress, but I have missed on the opportunity of using my money for projects I had already planned for. I would like that both XXXX XXXX and Wells Fargo be contacted and requested to make me whole again as soon as possible.
Consumer complaint received 2022-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (OR)

I signed up for a credit card with American Express in XXXX of 2021 based on a welcome offer of XXXX membership rewards points. I clicked the link in the email when signing up so there should not have been any issue in applying the offer. I received confirmation, approval, and the cards quickly. I quickly spent the required money to trigger the welcome offer but only received XXXX membership rewards points. I contacted customer service in early XXXX and advised the mistake. I was told that this was an easy fix and would be applied within 2 billing cycles. 2 billing cycles came and went and I followed up again. This time I was told that it was not addressed and they would need 10 additional days to review, they also requested that I upload documentation of the welcome offer, which I did immediately. 10 days passed and I reached out again, I was told that the issue was not resolved and I would need to wait an additional 2 billing cycles. I escalated the issue to a manager and said they are requesting a rush but it would take minimum 3-5 additional days but up to 2 billing cycles. They advised originally that closed the claim because there was no documentation despite never being asked for it. I got no notification of the same and was even told that amex does not have any obligation to respond to these types of inquiries. They even informed me they have. I told them that was unacceptable and I have paid all my required fees timely and they need to honor their end of the bargain. They advised there was nothing that they could do. Even after spending hours trying to get this issue resolved I have no faith that this issue will be handled. It is a simple bait and switch by a major global company, and it is extremely disappointing after being a customer for 10+ years
Consumer complaint received 2022-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

citizens bank auto loan is still showing on my credit report, this account was settled and an old account. It is XXXX XXXX XXXX, it is hurting my credit score and I need it deleted so I can purchase a home for myself and XXXX children.
Consumer complaint received 2023-09-22
Product: Credit 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: CITIBANK, N.A. (FL)

Best Buy owes me a total of {$4200.00}. Ive been trying to get my refund since XXXX and have not had any help from the representatives. They claim they sent a refund to my checking account, when in fact they actually withdrew the money. They requested copies of my bank statements as proof that I did not receive the funds. I have provided to them but they still wont issue my refund.
Consumer complaint received 2022-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

The FCRA requires you to verify the validity of the item within 30 days. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I am not requesting the itemized bill, I am requesting an instrument bearing my signature.

In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA.

By law, if you have charged off a debt, the consumer no longer owe it. You have accused me of owing this debt yet you have had personal gain by writing it off. You continue to report a balance to the bureaus which is inaccurate. In fact, I have no personal gain from this alleged account since it is reporting as closed. You have no right to continue to damage my credit over an alleged debt that you have received gain from the government. " I received your letter & I am the one inputting this dispute. My last one was closed for no reason ''.
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (ME)

I got an email saying : Dear XXXX XXXX XXXX, As a result of a recent review, we have closed the account referenced above. 

We have taken this action because we were unable to verify personal information on your account. We will report to the credit bureaus that the account was closed by creditor, and credit your account with your card rewards balance if you have one.

If you have any questions, you may write to us at : Discover Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Sincerely, Discover Corporate Security
Consumer complaint received 2022-03-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

On XX/XX/XXXX I notified American Express over the phone that I was a victim of identity theft and there was an unauthorized transaction on my credit card statement. I was instructed to submit a written statement by fax, which I did, and call back to initiate a fraud claim. I contacted the Fraud Department on XX/XX/XXXX to ensure they had received my paperwork and to initiate a fraud claim. I spoke to XXXX in the Fraud Department, and he confirmed that they had received the documents, initiated a fraud claim, and provided me with Case Number : XXXX. He stated that a credit will be applied in 14 days. I did not receive my credit so I called for an update, and I was told that I would have a resolution by XX/XX/XXXX. When I called for an update, they stated that the case has been resolved on behalf of myself, that they removed the charge, and that a credit will be applied. I called again XX/XX/XXXX when the credit still had not been applied and they stated that they were going to reopen the case, would have final resolution by XX/XX/XXXX, and that someone will call me in 48 hours with an update. No one called. 
XX/XX/XXXX, I spoke to them again and they ensured me that I would have a resolution by XX/XX/XXXX and that someone would call me with an update in 48 hours. No one called. 
As a loyal customer and victim of identity theft, I feel that I am being treated unfairly by American Express and its employees. For three months I have been instructed to give them more time and promised final resolution dates that they never follow through with. They already resolved the case and granted the claim on my behalf but keep pushing me off when I am asking for my credit to be applied.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error nor 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 personally-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 2022-03-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc. (TX)

on XX/XX/XXXX, we sent out a certified letter to COMMONWEALTH FINANCE XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CERTIFIED MAIL RECEIPT number XXXX Sent a letter of validation to their office. 

They received it XX/XX/XXXX at XXXX and have waited for their response. 

Today is XX/XX/XXXX and haven't heard from them at all. Under the Fair Debt Collection Act, they have to show proof of obligation and I am aware they have XXXX days to do so. 

They also have not removed the alleged collection from my credit report
Consumer complaint received 2023-09-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Aspen Yo LLC (MD)

This mortgage servicer, Gregory Funding, is benefiting financially from delaying processes while Im doing everything I can to try and save my home. I am being victimized by this mortgage servicer resulting in multiple years of investment of time in trying to fight back, not to mention the emotional trauma Ive suffered worrying about having a place to live. They need to be held accountable for what they have done to me, and I would imagine there are others that have similar stories. I've included a very detailed letter consisting of a timeline of events in which this servicer has failed to respond to me in a timely fashion resulting in ballooning fees and a past-due balance significantly higher than when I attempted to resolve this issue. Further, I'm now working with the State of Maryland HAF where I have an approved application to bring the mortgage current, and the servicer continues to delay in responding to requests so this application can be completed. Please review the attached letter and supporting documentation for a complete picture of this issue.
Consumer complaint received 2022-03-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Finance Company, Inc. (TX)

I received services at XXXX XXXX XXXX XXXX back in XXXX. 

I applied for financial assistance XX/XX/XXXX with office Manager. XXXX was approved and paid at XXXX XXXX 

XX/XX/XXXX I received an alert that my credit score dropped XXXX points because of XXXX accounts placed by XXXX XXXX for XXXX plus. I contacted them and let them know debt was not owed they told me they have no documentation showing that it was. I called XXXX XXXX and they stated debt was sent to collections in error. XX/XX/XXXX XXXX spoke with representative XXXX at Professional Finance and communicated debt was not owed. On XX/XX/XXXX I called Professional Finance and a representative named XXXX stated debt was still open as unpaid. Which is incorrect. I asked for validation and was sent a bill that was paid in full from year XXXX. 
Debt is not owed and should of never been sent to collections or put on my credit. The errors are interfering with business such as risk for closure of credit cards and applying for a new place to live due to low credit rating. I want debt removed from all XXXX Credit Bureaus.
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

in accordance with the fair credit reporting ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 
in accordance with the fair credit reporting ( XXXX XXXX XXXX ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 6802 - Obligations with respect to disclosures of personal information ( i have a right to privacy ) 15 U.S.C 168` Section 604. Permissible purposes of consumer reports In general, any consumer reporting agency may furnish a consumer report under the following circumstances and no other inaccurate information and account number there's no real investigation ever conducted!! under FCRA section 611 ( a ) ( 6 ) & ( 7 ) i request you to give me full METHOD OF VERIFICATION
Consumer complaint received 2022-03-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.
Consumer complaint received 2022-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MD)

My name is XXXX XXXX this complaint is not made in error nor 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 personally-identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC.
Consumer complaint received 2022-03-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY (NV)

ATTENTION TO AMERICAN EXPRESS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have not done business or opened any form of account with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4000.00} does not belong to me. This account was fraudulently opened through this company AMERICAN EXPRESS in XXXX of 2014 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN ) In I have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Consumer complaint received 2022-03-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (VA)

I had a checking account with BB & T Bank, which was merged ( along with SunTrust ) into Truist Bank in 2021. My checking account at BBT was a XXXX fee account. I recently learned that after the merger, Truist put me, without my knowledge or permission, into a high fee checking account. They were charging me $ XXXX for my checking account. When I learned about this by seeing it in my statement one day I contacted them. They would only give me part of my money back, but they still owe me {$180.00} in fees I did not consent to. 

I was told that XXXX XXXX did this to customers too after a merger with XXXX and I wanted to report Truist for their deceptive practices. 

Thank you, XXXX XXXX
Consumer complaint received 2022-03-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting Act these companies listed below, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX  ( XXXX # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I would like to also add that XXXX XXXX XXXX  and XXXX XXXX are reporting from the same creditor as well.