davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Upgrade, Inc. (NJ)

I do not recall knowledge of this account. Then I get notification that the account was sold to XXXX XXXX XXXX XXXX. I am aware of the law and financial institutions are not allowed to share personal information of customers/consumers to non affiliated party without notifying the customer. I believe this is fraud and identity theft. I sent Upgrade a notice over 30 days ago and they have not responded.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (NC)

My XXXX  had a credit card with Wells Fargo. My XXXX  passed away XXXX. Wells Fargo filed a claim against the estate. In XXXX of XXXX  Wells Fargo called me and attempted to collect my XXXXXXXX XXXX debt from me. I told them I did not have an account with Wells Fargo. Wells Fargo had added my name to my XXXXXXXX XXXX account. They reported this on my credit report. The agent I spoke with said she would refer this to the fraud dept. About a month later I received a phone call from the fraud dept stating this account was fraud and they were sending me a letter stating such which they did. I am attempting to settle my XXXXXXXX XXXX  estate and asked for a letter from Wells Fargo stating the balance was XXXX due to the fraud. They referred me to the Executive Office who took all of the information and said they would contact me periodically to let me know what was going on with a deadline for a final response by XXXX. I never received any response at all. I called Wells Fargo back and spoke to a very rude person who stated basically they could do what they want to and did not have to give me a response in the timeframe they initially laid out. They are very deceptive, added my name to my XXXX  XXXX account, attempted to collect the debt from me and are refusing to followup on their own deadline.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO. (MD)

I requested inaccurate information to be deleted from my credit report. The account is closed but they are reporting it as open. Every time I call them they say they will delete it but it continues to show on my credit report. I requested for them to provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect this. 
XXXX FCRA states under 15USC.1681 section 602 states I have the right to privacy and 15USC.1684A section2 states you can not furnish my information with out my written permission. 15USC.1666B sates a creditor can not treat a payment on a open account as a late payment. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Please Provide me with the original contract with my Wet signature/Creditor name -address-phone number of original Merchant/Payment history and Itemized Billing associated with my account/Proof of ownership providing that you are Autherized to collect XXXX XXXX  XXXX
Consumer complaint received 2015-03-20
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (NY)

Cities bank located at XXXX XXXX XXXX stole funds from my checking account.By sending payments to a company that was paid off in XX/XX/2014.of said year.It made my account seem overdrawn which it was n't.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Early Warning Services, LLC (AL)

Early responded to a identity theft block on XX/XX/24. See CFP Complaint # XXXX. The accounts for XXXX and XXXX XXXX  came back as accurate. Early Warning is now required to provide the method of verification which includes contracts with my signature and actual verifiable evidence of the alleged transaction that it is reporting. Please also disclose any authority beyond the judicial estoppel ( deed of title ) that is on file.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (FL)

I attempted to place a credit freeze online but was unable to do XXXX. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 
MY NAME : XXXX XXXX. 
LAST NAME : XXXX. 
DOB : XX/XX/XXXX NSS  : XXXX SECURITY FREEZE
Consumer complaint received 2016-12-06
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

Accounting Department of Ace Cash Services has marked this case as a flat refusal and press legal charges against you. 

We are legally obligated by the local laws and clauses of the promissory note to proceed further with legal charges. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 

The total outstanding of XXXX amount has been overdue and you have ignored multiple requests to make payment. The legal proceedings and amount which the court orders, amounting to {$3900.00} must also be paid, in addition to the debt. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If the full amount of total outstanding is not paid, we will begin the legal action, without warning, for a court order requiring payment. We may also commence insolvency proceedings. Legal proceeding may affect any credit rating. The legal proceedings and any other amounts which the court orders, must also be paid, in addition to the debt If you want to resolve this matter contact us thru email or call us within 48 hours at XXXX Between XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX XXXX ( XXXX XXXX Copyright ( C ) 2016 XXXX | Privacy | Terms of use
Consumer complaint received 2024-08-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

XXXX XXXX XXXX continues to report late payments to a credit card on an account that was opened in XXXX. My records show no late payments and they show 1 late payment over the course of at least 3 years. I closed all accounts and paid all of them off on or around XXXX. 

It is now XXXX and these jerks continue to file this late payment and won't let it go some XXXX XXXX later. It keeps me from getting a perfect XXXX and my credit rating has never gotten over XXXX. 

This account is paid off and closed for over 20 years now ... when will it end? I contacted them and they simply refused, said their records were correct and I asked them to prove it and they said they didn't have to ... and this has been on my account for over 20 years. Experian refuses to remove it without XXXX XXXX XXXX And despite all of my requests, they continue to renew it every year for no apparent reason.
Consumer complaint received 2024-09-18
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY (CA)

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. AMERICAN EXPRESS XXXX and AMERICAN EXPRESS XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PNC Bank N.A. (GA)

PNC BANK This debt collector has engaged in abusive, deceptive, and unfair practices in violation of the FDCPA. They reported an account that I neither agreed to nor signed a contract for. A valid legal contract requires the consent and signature of both parties, and I had no involvement in this agreement. Furthermore, they failed to follow the proper five-step validation procedure, further constituting unfair practices. Under the FDCPA, I am entitled to {$1000.00} per violation, and my rights have clearly been violated. I am requesting that this company immediately remove this account from all three major credit reporting agencies and compensate me for these violations. If this is not resolved, I will forward this matter to my litigation attorney.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY (CA)

My identity was stolen in the year XXXX. Since then I've had multiple inquiries for personal loan applications which I had to dispute. I also have a Wells Fargo XXXX XXXX XXXX credit card on my credit report that is related to this issue. This account was opened using my information and I have tried disputing it with XXXX, XXXX, and XXXX. I have also filed an Identity theft report with the FTC. I didn't want this account to affect my credit history so I paid a settlement of {$1000.00} to Wells Fargo however, the account still shows on credit reports. I need Wells Fargo to remove this account from all credit bureaus and provide me with a letter confirming the removal. Additionally, I request reimbursement for the settlement I paid, which was not my responsibility. I also received a 1099-C form for a charge off of {$1500.00}. I have not been able to retrieve the full account number for this credit card because Wells Fargo will not release it to me for " security purposes ''.
Consumer complaint received 2024-09-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (TX)

I reached out to Navient in attempt to see if they would take a settlement that was within my financial realm. Navient, the XXXX XXXX XXXX  of a company, turned me down. I was in school at the time I reached out to Navient for a resolution but they're predatory ways still bombarded me with phone calls, emails and text messages. How can I still be in school and still be forced to make payments? When this loan was taken out with my name, I was barely out of highschool! I didn't even graduate from the college that the money was sent to! This loan started off at XXXX and now it exceeds almost XXXX from the hellish interest rates alone! Now I get messages saying that Navient is going to pass my info to another loan servicer?? Is this their way of avoiding accountability?
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3800.00} XX/XX/year> XXXX XXXX XXXX XXXX 15 U.S.C , 1681section 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-09-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc (MI)

On XX/XX/year> I made an payment, with this account on XXXX XXXX is XXXX  XXXX I requested to get 3 pairs of shoes, all together the price was {$230.00} I paid with venmo at the time, It's been an month now and i still haven't received my shoes i asked the man about the shoes, I have gotten no text back, he's constantly online on XXXX but he never texts back. We used an different number to contact & we never had gotten the shoes, He would not answer and he said that " he was tracking the number " but when I asked about the tracking number he kept saying he couldn't find it. He said that he lived in XXXX, Washington.
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Amsher Collection Services, Inc. (FL)

This account was deleted from both XXXX in 2014 but this company has re entered the account through XXXX although they are aware that It does not belong to me. Please see the attached which shows the removed item listed on the documents received XXXX.
Consumer complaint received 2024-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am extremely disappointed that the CFPB closed my complaint ( ID XXXX ) without giving me the opportunity to fully explain my situation. I am now submitting a new complaint against Portfolio Recovery Associates LLC. Please review the attached documents, which include my previous complaint. You will see that Portfolio Recovery Associates LLC agreed to delete all accounts under my name but responded with an unnecessary contract. I found their response to be a lack of effort, and the documents they provided were irrelevant. AS I mentioned earlier, Portfolio Recovery Associates LLC initially removed the account from my credit reports. However, for some reason, the collection was reported again. I am requesting that this collection account be deleted from all three major credit bureaus immediately. I will continue to pursue this matter until I am satisfied with the resolution. Portfolio Recovery Associates LLC has been unprofessional, with poor communication, and has failed to honor their commitment to delete the account. I demand that this collection be permanently removed from my credit report. Furthermore, I have filed a report against Portfolio Recovery Associates LLC. If this account is not deleted, Portfolio Recovery Associates LLC will be seeing me and my lawyer in court. See attached documents for the reports filed against Portfolio Recovery Associates LLC.
Consumer complaint received 2015-04-10
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (CA)

When I applied for the care credit at the dental office, they did not inform me that there is a 6 months dead line and after that if I did n't pay the balance, I would have to pay a high interest rate@26.99 %. Everything was done online and I was never given a brochure or contract to read my terms. I called the care credit and they said it was up to the dental office to give me the term months on how long to pay. which that did not happen. I am unable to pay the {$410.00} that care credit is asking me to pay before the promotional expiration date. which is by XXXX/XXXX/2015. I would greatly appreciate if someone could please help me out on this. I feel this is so unfair.
Consumer complaint received 2015-03-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Consultants of California (CA)

Collection Consultants is reporting a collection account on all XXXX credit bureaus illegally. I had a medical bill with a hospital. I had a payment plan with the hospital while I was investigating the charges. I had NEVER gotten a bill that I demanded. I do not believe I owe this. I disagree that I received some services or goods at the hospital. Neither did my insurance company. Nobody ( not the hospital or Collection Consultants ) has been able to provide to me an itemization of the total bill. When I questioned this the hospital sent the bill to Collection Consultants even though I was paying them. They just stopped sending bills then Collection Consultants sent me a letter demanding the payment in full. I called. I told them I was investigating the charges and that I needed them to send me a copy of their HIPPA compliant agreement with the hospital, a copy of their assignment, and an itemization of the bill including anything that I authorized. They never provided this information. They never validated the debt in accordance with the Fair Debt Collection Practices Act. I did pay them only because I did NOT want it to go on my credit and I was assured it would be removed. The representative said at the end of my XXXX payment plan it would be removed from my credit. This did not happen. They deceived me and did not validate it. They have XXXX things I have issue with. 1- I do not believe they followed HIPPA laws. 2- They have reported this to the bureaus when they did not have a legal right do so because they did not validate their legal right to when requested, 3- they used deceptive practices to collect the debt. They promised me it would be removed.
Consumer complaint received 2024-09-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO Bank, N.A. (CA)

On XX/XX/year> I made an atm deposit of {$55000.00} on XX/XX/year> my account reflected the funds available. I went into BMO in XXXX XXXX XXXX to purchase a cashiers check and I was told I couldnt because the check had just been processed and needed to clear. So I said the funds are in my account they said yes but we need to wait. I left mad and called the customer service bank number. The rep there told me I had the funds available to me to use as i wanted. She suggested I go into another branch. So I went into the XXXX XXXX BMO. Same run around but more with discrimination as to how does a XXXX have these funds type of attitude. The assistant manager XXXX proceeded to ask why I need the cashier check so I said Im buying a car and she said so why did your dad wrote you a check for {$55000.00} from his estate and not just write you the check to the dealership. I was livid and I called her an XXXX and told her its from an estate account from my deceased father. That check was written to me. She said oh I left mad XXXX  XXXX. Went to eat with my daughter and when I went to pay my card declined not once but several times. Now Im super mad I call the customer service # only to be told the branch froze my account and put it on a credit only base. That I should go in and speak to them. So I go to my home branch on XXXX  and they are confused as to why the assistant manager at the other branch did what she did. So they re directed me to that branch the XXXX  XXXX. I walk in ask to speak to the assistant manager and shes proceeded to tell me she found it very suspicious that I just deposited and now I wanted to withdraw and I was like ok so what was your reason for freezing my account. She said I dont have to tell you anything and I said yes you do. You not only put a hold on the check for {$55000.00} but I cant access my other {$9000.00} I already had. She said and you wont be able to. Ill decide when I relive the feeeze. Its going to be investigated and Ill decide if I remove it or not.
Consumer complaint received 2024-09-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (OK)

I applied for a consolidation loan through studentaid.gov of my existing federal student loans, and chose Aidvantage as the loan servicer. The loan application was received on XX/XX/year>, which included an application for an income-driven repayment ( IDR ) plan to be applied. I received notice on XX/XX/year> that the application was successful and that I had 10 business days to review for accuracy. 

I received another notice on XX/XX/year> that the consolidation loan was successful and that I had a new account through Aidvantage. In that letter, it stated that the IDR application was under processing, and that a 60 day forbearance period would apply. The loan however was created with a standard, level repayment plan as the default. 

On XX/XX/year>, the injunction was filed in appeals court to freeze parts of the SAVE plan and other aspects of IDR plans. Unfortunately, Aidvantage froze all IDR accounts according to the ruling, but also froze all pending applications. 

Instead of placing my account into a zero interest forbearance in accordance with the ruling, the accounts standard 60 day forbearance expired, and repayment began. On XX/XX/year>, an autopay draft was taken from my account, and interest is currently being charged on my consolidated student loan. 

I contacted Aidvantage over the phone and spoke to an agent for about one hour on XX/XX/year> in order to resolve this apparent oversight. The response from the agent was essentially, too bad, and that it would not be corrected. Instead, the agent attempted to have me re-apply for IDR, even though all IDR applications are frozen, or to apply for traditional forbearance. 

I denied both of these suggestions, and asked to speak repeatedly with someone who could explain why my account was not included in the zero percent interest account as outlined by the injunction. The agent would not connect me, and instead repeatedly put me on 2 minute holds. The agent also informed me that the person would only share the same information he had shared, namely, that I fell into this loophole and it was the court decisions fault.
Consumer complaint received 2024-09-17
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc. (FL)

I am filing this complaint to request, pursuant to FCRA 611, that Experian, XXXX and XXXX credit reporting agency remove information appearing on my consumer credit report that is the result of identity theft and fraud. This fraudulent, inaccurate, and false information consists of : Organization : XXXX Account Number : XXXX Date fraud began : XX/XX/2023 These accounts have resulted in several fraudulent hard inquiries and collections appearing on my consumer XXXX credit report. I have attached a copies of the FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.