davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-10
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A. (TX)

it was XXXX i went to sears . cashier told me it was big discount when i opened sears account. she told me a lot of things. and i open sears account. make short story i did not get discount. i used sears account and paid on time. one day i got mail. it showed me {$340.00}. i called sears. i talked to someone. she told me they gon na send me another bill. i never get bill until XXXX. i got bill from XXXX  XXXX. it showed me {$880.00}. i called them they did not treat me well. the guy told me i have to pay. other wise we will send to credit agency. i was scare about it. i told him i do not want to messed up my credit. i started {$50.00} a monthly pay. but he send to credit agency.
Consumer complaint received 2021-04-28
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CO)

Received notice that a collection was added to my credit files. Per collection, payday loan was made in XXXX online. NOT accurate. I have been fighting ID theft for some time now ( See attached ). Ad Astra claims {$4100.00} is 180 days late from a Speedy Cash online loan ( how can it be {$4100.00} when their limit is {$500.00} ). I did NOT make such a loan request. Originally was told I was XXXX XXXX. Have now learned it was Speedy Cash.
Consumer complaint received 2024-10-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NC)

I filed a complaint with the three major credit bureaus regarding inaccurate items on my credit report. They have ignored my complaint and are accusing me of using a third party to file it. This is not true, as I submitted the complaint myself. Attached are some letters and a copy of my ID for your review. If they continue to ignore my complaint, I will file a lawsuit against them and seek compensation for the damages they have caused
Consumer complaint received 2020-07-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NV)

I XXXX XXXX currently have student loans that is on Income Based Repayment Plan Status. I was approved on XX/XX/XXXX. Today on XX/XX/XXXX, I contacted Nelnet XXXX XXXX who service my loans to update my email on my account. The customer service worker asked very appropriate personal questions not relating to updating my email on my account, but rather relating to my race and XXXX! The employee tried to force me to tell her I had taxable income when I do not. She also wanted to ask additional information and send me a private link. I informed her I sent all required documents in XX/XX/XXXX and was approved for Income Base Repayment Plan. And there was nothing else I have to report about my private life and what does my nationality was. I reported to her what I reported was truthfully and had nothing to hide. I also stated to her why was my race important, on the IBR application never asked me what race I was, and what does the XXXX of my skin has to do with my email account. Then the employee stated to me, " oh I made mistake on your loans and they are actually due in XXXX and that I was approved for Income Based Repayment Plan in XX/XX/XXXX a month ago. Then the employee insisted to I tell her about my taxable income. Finally I requested a supervisor. He told me his name was XXXX. I didn't believe him that his name was XXXX. He told me that I was approved for Income Based Repayment Plan but he wanted to know if I had any taxable income. I informed employee Purple, I sent in all my social security XXXX paperwork Benefit Verification Letter from Social Security Administration. Then XXXX stated to me the information I tell him would be just between me and him and it was totally between me and him. I repeated what I stated to the other employee earlier that I sent all the required documents with the IBR Plan application and XXXX award Social Security Benefit Verification Letter from Social Security Administration Office. Then XXXX told me, " I know you get more money than that. I am sure you get some kind of taxable income! I told him I do not get any taxable income. I receive social security XXXX payments in which I sent with IBR Plan application in Certified mail in XXXX of XXXX.
Consumer complaint received 2020-10-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (IL)

I opened a chase checking and savings account on XX/XX/20. A couple days later I deposited a {$1000.00} check that my husband wrote me. You then locked access to all my accounts. I tried several times to talk with someone about why my acct was locked and I had no access to the funds i deposited. 

Fast forward a few week and I finally got someone who told me me my acct was closed without explanation or contact from Chase. They told me my funds would be mailed to me in 7-10 days. 

After waiting a few weeks and on funds - i tried calling again. After several attempts, disconnections, and transfers I finally got to someone who assured me the funds would be sent to me in 7-10 days. 

It has now been over 2 weeks from the last phone call and I still don't have the {$1000.00} i deposited in the acct in early XXXX. I have spent about 9 hours of phone calls and work on this account - only to have my money tied up and not being able to use it for my bills. This 9 hours is not an exaggeration. 

I have long talked to people about how great chase is, but this is the worst banking experience i have ever had. 

I do not know my acct # as i was immediately locked out of my acct.
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Outsource Group, Inc (MD)

MediCredit, which is a collections company working for XXXX XXXX XXXX XXXX in Maryland reports individual charges on my credit report as separate accounts. So I had a couple of visits to this 1 hospital in XXXX  and had a dispute with them about the charges. After awhile I gave up trying to dispute the charges. In the meantime, they had sent the owed medical charges over to MediCredit and that company reported it on my credit report as 3 different and separate accounts EVEN THOUGH they only have it under 1 account in their system.

By reporting this as 3 different accounts in collections ( all paid off ) on my credit report, it more severely negatively affects my credit score than if t
hey reported it as 1 account, which would be more appropriate.

A fair resolution to this issue would be to only report this debt owned as 1 account and not 3 or 4 or whatever.. They shouldn't be doing this to people. Especially when health care costs are already out of control and this affects those who can least afford it. 

Other companies don't report each individual charge or visit to their business as a separate account and neither should the hospital nor MediCredit!!!
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I called and wrote a letter disputing late fees and interest in the amount of {$28.00} charged in my XX/XX/XXXX-XX/XX/2020 statement. Full payment in the amount of {$37.00} was sent via electronic funds transfer on XXXX XXXX prior to te due date and in a timely manner. The previous month full payment in the amount of {$400.00} was sent in XX/XX/2020 and no late fee or interest was charged. When I called I was given the run around and they would not remedy the problem. I then wrote a letter dated XX/XX/2020 and as of this date have received no response. I checked with my bank and was informed that the dates of payments for both months were correct.
Consumer complaint received 2020-09-14
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NY)

Experian Keeps responding with the same exact message instead of addressing this issue. I have sent everything that they have asked for. If there office is closed due to covit-19, then they should just send a message stating that, I am a victim of identity theft and i would like my issue addressed and resolved
Consumer complaint received 2022-07-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

There has been ongoing unauthorized transactions and withdrawals from my Bank of America account since the beginning of XXXX. I was not made aware of how severe these fraudulent transactions were until about XXXX. I reported several fraud transactions to BoA in XXXX and have continued to since. I even changed my checking account name to stop stealing my checking XXXX XXXX XX/XX/2022. BoA would cancel my current debit card, issue a new card and I would be without a way to access my funds until the new card arrived in the mail. I was at the time homeless and staying motel to motel, so access to mail was few and far between. Eventually, I started to make cash withdrawals because in order to use my debit card, I would have to call BoA, wait on hold sometimes up to 90mins and beg them to approve a current transaction. ( Meanwhile, theyre approving XXXX  transactions and XXXX  transactions that I did not make ). Ive been calling them daily. I can not get help. I submitted over {$8000.00} in fraudulent transactions, so far. They spent less than 10 days investigating these claims before closing the claim and marking it not paid. I explained to them I would try using XXXX to send to friends in order for friends to give me cash because BoA would not provide me with a temporary card or a way to access my funds. XXXX would deny the transfer. I would try a lower amount immediately which would be blocked. A few days later the transactions appear on my BoA history as processed. Example, send {$200.00} - denied, send {$150.00} - denied, send {$100.00} - denied. A couple days later, my BoA account processed and paid {$450.00} but my friends never received the money. I contacted XXXX. They claim the money was returned but it was not. The bank blamed XXXX XXXX blamed the bank. Ive had a minimum of probably $ XXXX stolen from my account. BoA has not been helpful. I even had a teller assisted withdrawal on XX/XX/2022 for {$1000.00} on my account. I was not even in that bank branch that day. BoA in several occasions, has left me stranded without any form of temporary payment. Ive XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX because they would not provide a temporary payment method for me. 1 night I spent 7hrs of calling for help, being on hold, transferred to numerous associates and was told to visit a local branch for a card. After visiting that local branch, I was told no digital cards are possible. The bank stopped those about a year ago. Currently I have a negative balance. Money I had saved, is now gone. Ive been a XXXX customer. Out of those XXXX, I dont think I ever spent XXXX in a total year. But within the last four months. My account went from XXXX to - {$14.00}. BoA considers that normal for me. They are no help and I had a lot of money stolen from me.
Consumer complaint received 2020-10-10
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Hallstrom Law Firm PLLC (AZ)

This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 

Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud  where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 


NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

Im a victim of

identity theft and I dont recognize one or more of the accounts on my report. I have notified this creditor of the inaccuracy and they have not ceased reporting this information. CONVERGENT OUTSOURCING, INC. has account
s assigned under my name on XX/XX/2020 and XX/XX/2020. Before this occurred, a fraud alert was placed on my accounts by all three credit bureaus. I have since been unable to stop the collection agency from reporting this misinformation to the credit bureaus and harshly affecting my credit profile.
Consumer complaint received 2022-06-26
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. (FL)

This account is Charged off which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is not negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX account # XXXX, 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 a account without my written instructions 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Consumer complaint received 2020-10-10
Product: Credit card or prepaid card — General-purpose credit card or charge 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. (PA)

Costco Citi card credit card. Dispute number XXXX Overcharged why a dentist on XX/XX/2020 for the amount of {$4000.00} for cleaning services. 

Called the credit card company to dispute the charge and they emailed me back that they looked into the matter and could not help me and still paid the dentist office.
Consumer complaint received 2021-04-28
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (AZ)

well, I'm a XXXX XXXX so i missed almost the whole year, loan care said i was approved for modification and haven't heard from them. I am in a bankruptcy with them and they told they will will approved. i heard nothing from them after getting the call like 3 months ago. here is my loan care account number XXXX. The address is XXXX XXXX XXXX XXXX. XXXX XXXX AZ XXXX i can be reached at XXXX my name is XXXX XXXX XXXX
Consumer complaint received 2021-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (VA)

In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Theft Report in the attachments. 


NAME OF ACCOUNT : PHNX FINAN ACCOUNT NUMBER : XXXX I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 

Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed
Consumer complaint received 2021-02-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm a XXXX year old female who has had credit since I was XXXX years old. I can't say that I haven't had any issues with credit, but overall, I'm not bad with credit. I pay my bills on time and if I've run into financial issues, I will work out something with my creditor. My problem is with the credit reporting agencies. I've experienced all negative reporting from them all the time. If I'm paying everything on time, my credit file will reflect old items from previous years. For example, I had 1 late payment on a vehicle, 4 years ago, with everything else on time, and my credit score, because of this 1 30 day late payment was in the XXXX. To date, I've paid off 3 vehicles, 1 mortgage, have never had any issues with my student loans that I've been carry for 25 years, however, my score doesn't reflect any of this. I've experienced XXXX from these agencies when my husband and I were trying to get approved for a mortgage. He had bankruptcies and repos, all kinds of bad debt ; however his score went up to over XXXX, mine never made it past low XXXX. I know the industry is XXXX because I've seen other races with horrible credit history and scores that were very high. I guess my question is who's monitoring these agencies and their XXXX and XXXX practices?
Consumer complaint received 2020-10-10
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. (AL)

XX/XX/2020, I sent a letter to XXXX, after already disputing the account, stating a settlement offer on an account. Upon cashing the money order, they would agree to completely remove all references to this account with all the credit bureaus, agree to not list as paid collection or settled account, and agree payment was satisfying the debt in full. I also requested settlement within 15 calender days from receipt of payment. On XX/XX/2020, the XXXX XXXX money order, # XXXX was cashed. As of XX/XX/XXXX, I have not received any notice and the account is still showing on my credit reports. I disputed the entry still being on my credit report with Transunion and they came back as verified account but did not remove and said it would remain. I request all references to be removed from my credit reports, as they have agreed to my settlement terms by cashing the money order, and it is beyond the 15 calendar days since received.
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Possible Financial Inc (TX)

I disputed the account information with XXXX  for account with Possible Finance Account # XXXX in amount of {$450.00}. This account is paid in full. This payment was made XX/XX/2020. Please delete account and reporting.
Consumer complaint received 2020-10-10
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. (TX)

Equifax is continuing to report a Credit Builder Plus loan  XXXX loan with XXXX XXXX as two payments past due. This loan has never been past due. XXXX IS ON VIOLATION OF FCRA and UDAAP. 
XXXX is practicing predatory lending practices and Abusive practices. By reporting Current loan as DEFAULTED or past due on customers credit. It is egregious and terrible in the middle of a global pandemic.
Consumer complaint received 2020-10-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I did paid off my mortgage loan XX/XX/2020 and the promis me reales lien on my prperty in 2 months, I did check my county property record and there is no realase, please see attached documents, thank you XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX LOAN XXXX SS XXXX XXXX XXXX Bankruptcy Account Specialist I | The Huntington National Bank XXXX Phone : XXXX | Fax : XXXX | XXXX XXXX