davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-12
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK (AL)

XX/XX/XXXX opened the account XX/XX/XXXX deposited {$400.00} money order from XXXX. 

XX/XX/XXXX deposited ACH for {$300.00} from another bank. 

XX/XX/XXXX deposited a {$13000.00}. cashier check from XXXX XXXX Bank. 

Once the {$13000.00} check finally clear the bank, the bank informed me the account was suspended for an unknown reason. After a number of days Discover fraud department informed me that the account was closed again for an unknown reason. I don't have the closing date. They told me the funds will be returned with in 60 to 90 days. 

I have attempted to call the Discover fraud department but they state the hold time is 3 hours. I called this morning, XX/XX/XXXX, XXXX and was told the wait time would be 30 minutes. I could only wait 1 hour and 30 minutes. The fraud department stated on the phone they are open 2 hours a day. I call last night at about XXXX PM but they said they were closed. 

The account was only opened for one month. I guess the bank can not large deposits. 
No wonder they were fined billions of dollars ago, probably due to how they treat their customer.
Consumer complaint received 2019-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DIRECMANAGEMENT, INC. (AL)

I oulled my credit after being denied credit. I shockingly found entries for two accounts by DirecManagement, who i have never dealt with know who they are. I disputed with bureaus and this  company returned it verified. Note they never sent me any notifucation or right to dispute this debt letters. I only found by checking my credit. I then sent this company a dispute letter disputing and ask8ng for proof of validity and accuracu of this debt and that its mine. This went ignored. Its been over 60 days and no response but the6 keep reporting and hurting my credit. I do not owe this debt
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IN)

I will try to summarize ; On the XXXX of XXXX, my friend who was in XXXX at the time of transaction sent the sum of {$5600.00} to my PayPal account, I was supposed to use some of it that day but then I received another note on my PayPal account saying my account access has been temporarily limited and some information is required before I can get back to access my account features. I obliged and submitted my bank statement as it was required. I was supposed to wait a day or a couple. After a few days of not getting a reply I called and spoke to a service representative but he was cold to me and was asking how I knew my childhood friend which was weird to me but then I told him and afterwards, he was quick to tell me that my friend is a criminal and my account was not going to be rectified. Shortly after, I got a note saying I cant use PayPal anymore and that the money on my balance will be held for 180days before I will get an email of how Ill get my money. 
Ive never had this experience but I know for sure this is XXXX. I asked my friend to make contact from her end, and she was told that the payment was made using family/friends so PayPal wont hold on to the payment and that I should contact PayPal. 

Now, Im frustrated but I had to call back again only for a different agent to tell me that my PayPal activity is the reason why Ive been locked out of accessing my money. Asking what PayPal activity exactly but there still is no reasonable answer instead the customer service agent tells me theres nothing he can do and ends the call. Now Im very confused, stressed and tired of this whole drama. 
Can someone explain to me in real sense why I cant have access to my own money which I happen to have LEGALLY on the PayPal platform? Is this a joke? 

Im attaching some screenshots of the service replies and the chat between my friend and an agent just incase it will help in anyway.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc. (GA)

On XX/XX/XXXX, I mailed ProCollect Inc. a dispute letter asking for them to either provide copies of original contracts/documents with my signature or to remove the charge from my report if they could not. 

Pro Collect never responded. 

On XX/XX/XXXX. I initiated a dispute with Pro Collect via the Texas XXXX XXXX, requesting the same request made on XX/XX/XXXX. 

On XX/XX/XXXX. Pro Collect responded to the BBB fraudulently indicating that the debt was mine. However, they never provided the documentation that I requested. 

I tried to dispute this collection directly with all XXXX credit bureaus, Once again ProCollect responded to them by verifying that the collection was valid. Yet they have not provided any proof that this debt belongs to me, On XX/XX/XXXX. I called Pro Collect. They indicated that they had mailed me the documents that I had requested. However. they wanted me to provide them with " additional '' confidential information to confirm my identity. When I told them I did not feel comfortable doing so, they abruptly hung up the phone. 

NOTE : I ALSO noticed that DURING my dispute, the amount of my collection was reduced from {$2700.00} to {$2700.00}. As if I had made a payment. It's my understanding that any payment would reset the " clock '' on how long they could have this fraudulent charge on my credit report. 

I would like to have them IMMEDIATELY remove this collection from my credit file.
Consumer complaint received 2019-09-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX XXXX has reported on my Trans Union report on ( XX/XX/2018 ) I do NOT know what these are and they don't belong to me. i don't have any accounts with this company. I need these marks taken off my Trans Union report immediately.
Consumer complaint received 2022-12-16
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. (LA)

EQUIFAX IS CONTINUING TO REPORT A FRAUDULENT PHONE NUMBER IN MY FRAUD ALERT. MULTIPLE REQUESTS AND DOCUMENTATION HAS BEEN SUBMITTED TO EQUIFAX REPORTING THE ERRORS AND SUBMITTING CORRECT INFORMATION, HOWEVER EQUIFAX IS REFUSING TO UPDATE OR REPORT MY PHONE NUMBER IN MY FRAUD ALERT! THIS IS SUBJECTING MY ACCOUNT TO ADDITIONAL DAMAGE AND FRAUD! PLEASE SEE ATTACHED.
Consumer complaint received 2022-09-22
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: EQUIFAX, INC. (FL)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2021 Balance : Balance : {$2300.00}
Consumer complaint received 2022-03-12
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: DISCOVER BANK (IN)

I sent a copy of a statement with remittance transfer and correct verbiage and tender of payment and it was destroyed and disregarded and thats a violation of both Public law 106-229 and 15 USC 1693o-3 . I have recorded call of them opening a dispute and crediting the account allegedly but no changes have been made and now I have a late payment and my utilization is impacted affecting my consumer report.
Consumer complaint received 2019-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

I noticed that a collection was appearing my credit report from Capital One Bank. I sent Capital One Bank a written letter on XX/XX/2019 requesting some sort of verification/validation of this erroneous reporting. Capital One Bank responded with a letter onXX/XX/2019stating that the debt was reporting correctly. 

Capital One Bank, blatantly ignored my request for verification since they are STILL reporting this erroneous, misleading and slanderous information to the CRAs. 

Why is it the consumers job to provide the creditor information to do their job. If they reported the information to the CRA 's then they SHOULD have all of the information readily available.
Consumer complaint received 2022-05-21
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. (TX)

I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.
Consumer complaint received 2021-09-26
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. (MA)

On XXXX, Creditor Contact : Not Available add a derogatory mark on my credit report per Score sense. Upon farther research, this account was transferred and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say that its mine. According to the FCRA, ( coll Agency Crdit Reporting Agency Name are violating my rights as a consumer and I'm requesting legal action to remove this account immediately
Consumer complaint received 2022-03-12
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Credit Karma (KS)

On XX/XX/XXXX I noticed a handful of unauthorized transactions made to my account, I immediately notified my financial institution, Credit Karma money by XXXX XXXX, and inform them of the transactions and how I had never received my card in the mail and deduced my card had been lost and or stolen. After this phone call I subsequently received email confirmation of me submitting these disputes and was informed that this matter had been escalated to a specialized team. On XX/XX/XXXX I received a response from the specialized team requesting documentation of my attempt to resolve this matter with the merchant who made the charges. I immediately provided them with the requested documentation and received a response confirming that they had received the documentation. All of this correspondence took place on XX/XX/XXXX. On XX/XX/XXXX having not gotten any update on the matter, I an email inquiring about a provisional credit seeing as it was the XXXX day since I informed them of the fraudulent transactions and had received no update of a conclusion to their investigation. On XX/XX/XXXX I received the following response. " XXXX XXXX, I am with credit karma dispute escalations. We were able to submit your dispute to the proper channels in order to be further investigated. Dispute number is XXXX. Unfortunately, due to it being a third party transaction ( s ), we are not in a position to dispute this transaction ( s ) due to the following reasons : The transaction ( s ) was not initiated by Credit Karma or XXXX Bank - This normally happens in situations where a P2P ( person to person ) transaction ( s ) is done via another service such as XXXX, XXXX, XXXX, XXXX, XXXX XXXX etc. Unfortunately, we have no further recourse. ". 

This response from them does not seem to fall in line with my consumer protections guaranteed by law, and greatly concerns me regarding my ability to reclaim my funds.
Consumer complaint received 2022-06-25
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: EQUIFAX, INC. (FL)

In accordance with the fair credit reporting act XXXX account XXXX XXXX, 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 Acct without my written instructions. 

Account Name : XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-04-26
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: EQUIFAX, INC. (IL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-24
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (IN)

In XXXX my great grandmother died and left each of her great grand children {$500.00}, my grandfather set up 5 identical trust savings accounts at chase bank for each grandchild. No money was allowed to be taken from these accounts until the grandchild reached age XXXX. I have been getting bank statements since XXXX showing that {$5.00} has been taken out of the account every month for service fees. I finally got to go to chase bank to try to figure out whats going on because no one is allowed to take that money out but me when I turn XXXX. My account that started out with {$500.00} in it is down to {$110.00}. Chase bank said that someone wrote a check to XXXX XXXX in XXXX for {$230.00}, which is insane because seeing as how this is a trust savings account with NO checks linked to the account, and because that money is not allowed to be touched without a court order not to mention I was only XXXX in XXXX and couldnt even authorize money taken from the account even if I wanted to. I did not write the check in XXXX, so this is a fraudulent charge. Chase bank just got back to me today and said they will NOT be giving me back the money because its been more than 60 days since the initial fraud occurred. Theyve taken almost {$400.00} of my inheritance from my great grandmother and refuse to give it back. Seeing as how that is my inheritance money and I did not write the check in XXXX, I just want the full {$500.00} that was in the account restored. I am unsure whether or not they are still taking money out of the account. None of the other grandchildren have had this issue, and they even got interest added into their accounts. I simply want the money that was taken from me back in the account so I can pull it out and put it up for future use.
Consumer complaint received 2022-05-24
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc. (TX)

When I filed the first complaint I told them they no longer had authorization to ACH anything out of my account. They continue to do so. Theyre causing the overdraft fees and I cant even get into my account to pay it off. Nobody answers the phone its all just recordings and when you try to login it just tells you theres a problem. And if you do get past that login it doesnt let you to your account because they want you to send a picture of your Social Security card over the Internet to third-party. Something I am not willing to do. They have my US passport that is the best identification they couldve ever asked for. My problem stands now is they were told not to ACH my account in numerous emails and through my response and my complaint here but they continue to do it. I want somebody to call me so that I can get an address to mail a check to a cashiers check not a personal check I dont want them to stop taking money or trying to take money out of my account
Consumer complaint received 2022-04-24
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO. (CA)

Chase bank charges three XXXX dollar fees for insufficient funds each day. I have had hundreds of dollars taken from me in the last ten days because of one transaction that took too long- they wont refund XXXX dollars worth of fees which is almost my entire rent. They are discriminating against their less affluent clientele, preying on us and keeping us in a position where we can never keep up with their constant fees for even one issue. They claim this is legal.
Consumer complaint received 2021-09-25
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: Nelnet, Inc. (CA)

Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.
Consumer complaint received 2020-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Premier Student Loan Center (AR)

I was grandfathered in with Premier Student Center has been partnered with first XXXX whom were involved in a lawsuit. Premier Student Center then transferred my file to XXXX XXXX XXXX and in XXXX of last year I was sent a notification that Premier Student Center was in a lawsuit. The first school I attended was XXXX  XXXX University that was in a lawsuit and now XXXX XXXX XXXX is charging XXXX daily for interest that is way out of hand. Can someone find out about the money that I have tied in with the Premier Student Center and to get in touch with me to know what is really going on with the whole situation that was supposed to be a forgiveness program.
Consumer complaint received 2019-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

I rented a room in XXXX XXXX, now XXXX on XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. When signing the lease, the apartment management did not require a security deposit. 
On XX/XX/XXXX, three months after I had moved out, my mother received an email from the management with an invoice for the following charges : {$73.00} for a coffee table, {$50.00} for a bedroom door, {$160.00} for a mattress, {$45.00} for bedroom/bathroom cleaning, and {$5.00} for an electrical overage, totaling {$340.00}. They claimed that they had notified me about these charges on XX/XX/XXXX via email and uncertified mail, neither of which I received. 
On XX/XX/XXXX we sent a letter via certified mail disputing the charges, and including check # XXXX for the electrical overage. The coffee table had been paid for by my roommate who had caused the damages. The bedroom door had already been paid for on XX/XX/XXXX by check # XXXX which they deposited on XX/XX/XXXX. I did not do any damage to the mattress or room other than normal wear and tear. I believe this error may be because I switched rooms with permission of the management, so they may be charging me for damage done to the old room by whoever moved in after me. On XX/XX/XXXX, the manager acknowledged via email that we paid the overage. 
This collections claim was added to my credit reports in XX/XX/XXXX for {$340.00}. On XX/XX/XXXX I started receiving collections letters from National Credit Systems for {$330.00}. After getting in contact with them, we sent documentation to show that these were illegitimate and unwarranted charges. The most recent letter on XX/XX/XXXX says that they adjusted the balance and reset it to {$340.00}.
Consumer complaint received 2019-09-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I HAVE SENT OVER XXXX XXXX LETTERS AND HAVE ONLY GOTTEN DISPUTES OR INVESTIGATION WHICH IS NOT WHAT I ASKED FOR. I SENT ID SSI WITH THE LETTERS. WHEN I CALLED AND INQUIRY I WAS HUNG UP ON 3 TIMES AND ENCOURAGE TO FILE A COMPLAINT WITH CFPB. SO I AM HEAR NOW HOPING TO FIX THIS. XXXX XXXX XXXX XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 XX/XX/2019 2019
Consumer complaint received 2022-04-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CO)

My Loan was sold to Great Lakes student loans and anytime I called between XXXX to ask for an income repayment plan I was pushed into a forbearance without an income related amount being relayed. Not even {$0.00}. I didnt know better and took the forbearance.