davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NY)

While I have filed a previous complaint this is in no way shape or form a repeat complaint ; in the resolution letter from XXXX XXXX XXXX ( XXXX ) I was " In an effort to assist you, your request for the loan to return to our office was elevated for review. Information will be sent to your attention under separate cover once a determination has been made. '' However, no such information was sent and I called numerous times but customer service was unable to assist me due to " not being able to see anything pass XXXX when the loan was transferred to XXXX  XXXX  XXXX ( XXXX ). '' Additionally the Consumer Advocated at AES were unable to find any information related to the return of the loan and asked that I continue to call back and check which I did. I was also advised by the Consumer Advocate to talk to XXXX XXXX XXXX ( XXXX ) and let them know what is going on but not to pay them because once I pay them it would be more difficult to get the loan returned. Unfortunately, now XXXX has filed suit against me requesting nearly triple the balance ( XXXX and rising ) all because AES failed to provide me with any determination and informed me not to pay during this period of time. I am a totally and permanently XXXX veteran who had to use forbearance while I financially got back on solid ground ; never once did I refuse to pay my loan but due to oversight with AES in regard to eligibility for certain programs, in addition to failing to process a {$500.00} payment when I was financially able to pay again, and lastly failing to contact me with a determination to return to loan, I am now subject to a lawsuit.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

I sent a letter asking them to remove the charge off from credit profile because i never recieved a 1099 from the IRS since they charged off the debt they are reporting to my credit this is hurting me financially and hurting my score.
Consumer complaint received 2018-06-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Revenue Corporation (TX)

I asked for proof to verify this debt belongs to me, they have only sent me a typed up statement with a name on it, this does not verify that this debt belongs to me. The company has failed to send orginal documentation to validate and verify this debt is mine.
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/XXXX I called my bank, Chase to report my card lost and stolen. 
I spoke to a gentleman and advised him that I could not find my debit card since XX/XX/XXXX around noon after I pumped gas at XXXX XXXX. 

I advised him that I went to XXXX XXXX and tried to use my debit card, but after 3 tries, I had to go inside.The cashier had to slide my card inside because it was not working outside. I advised the Chase rep that I must have dropped my debit card there because when I looked at the charges they were from the stores around the area of the gas station. 

The Chase rep went over all the charges with me and he sent in disputes on items i did not recognize and granted temporary credit. 

I called Chase on XX/XX/XXXX and asked why the charges were reversed back to me. The Chase rep said that it was inconsistent as not all items were disputed. I told her that I was not familiar with all of them so I did not want to dispute something that could be mine because I know that sometimes charges does not always reflect the same day. 

I requested for the claim to be reopened, but the Chase rep said she couldn't without proof. I asked her what proof did she want. Chase rep said " Nothing you can give to prove this '' ( somewhere along those lines ). I told her " I know '' how would I prove this. Do you want me to get a police report? ". I requested to speak to a manager, after being placed on hold she came back and said someone will have to call me back within 1-2 days. 

This is not fair. I did not do those charges. I have never filed a dispute with Chase except one with XXXX when I told them that my card was charged after it declined the first time ( my husband then used his card ). 

I have left XXXX after they opened a Savings account in my name ( Lawsuit they were in ) I have recommended Chase to all my friends and family and my mom 's business thinking this was a better bank, but I can see that Chase is not about helping their clients at all.
Consumer complaint received 2018-07-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (TX)

I have repeatedly requested validation of a debt that is being reported on my credit report by XXXX XXXX XXXX. They have only sent print outs of statements that dont even have my full name or signature on them. They state XXXX is the creditor but they dont provide copies of ANY contracts : a contract with my signature on it with either party, and no contract that shows XXXX XXXX owns this debt and they have authority to collect anything. They stated they have fulfilled my verification request. Per the FTC, print outs of statements are not validation of a debt and do not stand up in court.
Consumer complaint received 2018-07-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

My student loan was purchased by XXXX from XXXX. Without telling me, they changed my auto debit minimum payment due to more than triple the amount I had been payint, from {$310.00} to {$1000.00}.
Consumer complaint received 2018-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (CA)

I contacted XXXX by phone but it only gave me an option to leave a voicemail which I left 5 voicemails already asking to call me. No calls feom them for few days and finally after the fifth voicemail somebody called me and I ask them to place a security freeze on my file. The representetive stated that the request has to be submmited either by mail or fax and they can not proccess the security freeze over the phone. I already summited a security freeze request also by email, online by uploading the requested documents on their website and by fax. So far I only got one letter and they said because of the quality of the submitted documents ( which was my ID ) they need more info and better quality copyto be sent. Even though I submitted a original photo online and also by email, I sent them the docs one more time qith fax and since then I have not receive any respond or confirnation from them. I tried every single way they explained over the phone to place a security freeze but looks like nothing been working so far. Since they failed to place a securitybfreeze as they required by law if the consumer requests but they did not, I decided to use cfpb complaint system to submit my request. 
I am requesting XXXX  to place a security freeze to my file since I've been a victim of identity theft and recently some suspisious activity been going on under my name, I want to make sure all the sources or any report under my name to be freezed until the issue is resolved. 
Thank you XXXX XXXX
Consumer complaint received 2018-09-14
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: First Advantage LNS Inc. (GA)

I recently checked my credit report and saw that there was a fraudulent inquiry from FIRST ADVANTAGE/XXXX XXXX  on XX/XX/2016. This company was not authorized to pull any information from my credit report.
Consumer complaint received 2018-09-27
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. (CA)

I had a nightmare happen to me years ago that I was not aware of until this year. Instead of giving you my sad story here are the nutz and bolts someone very close to me stole my identity and I didn't even know until he was in jail ... .then he died ... .my step dad I am going through crazy emotions and all I want is they must block these fraudulent accounts. I have tried 3 times in 90 days. XXXX & XXXX took them off immediately when I ask them what I am submitting incorrect all I get is " sorry we can't disclose that sir '' I thought they were suppose to help me? I nee to get this fraud off my report. the following are the fraud accounts XXXX/XXXX Agency XXXX XXXX XXXX Account Number XXXX XXXX Agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Account Number XXXX XXXX XXXX XXXX Agency XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Account Number XXXX XXXX Agency XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SD XXXX XXXX Account Number XXXX XXXX Agency XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Account Number XXXX
Consumer complaint received 2018-09-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I had a checking account with Citizens Bank and on several occasions their overdraft fees caused more overdrafts and higher negative balance. At one point the total negative balance on the account can be broken down to XXXX in fees alone and XXXX in charges. They proceeded to call my ex-wife who has not been on the account for over 3 years and even has a new phone number, but someone they obtained her number and called her informing her of the situation. I then called the bank and explained the problem with doing that and informing them that the balance of XXXX was mostly their fees of XXXX including a monthly maintenance fee. I offered to pay the charges which came to XXXX. At this point the person I spoke to refused and stated if I dont pay the whole balance they would close the account and report me to ACH so I would not be able to obtain another account at other banks.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (IL)

I'm reaching out for help regarding the inaccurate account listed on my credit report. This issue has caused harm to my reputation, and I rely on your assistance to address it. Due to your mismanagement of my credit information, my credibility has suffered. I urge you to remove these mistakes from my credit report.
Consumer complaint received 2018-06-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

Money from my Chase checking account was fraudulently withdrawn twice while I had my card with me. My card was not stolen or lent to anyone. When these withdrawals occurred, I had my card with me and I was not near the area where these withdrawals occurred. I reported this to Chase, they opened an investigation and determined that the withdrawals were not incorrect and reversed the credits that were given to me to make up for the money that was stolen. I was told that I would have to provide proof that I did not make these withdrawals and said that video proof would not suffice. I spoke to a representative who said that there was nothing that I could show Chase that would demonstrate that it was fraud. I am completely stuck. 

The second time I called to ask why the investigation would be closed and the credit withdrawn, I was told that they would open the investigation again and was given no further information. A day later, I saw that the credits were taken from my account, so I called. I was told that the second investigation was closed within a day because I had failed to provide any proof that would show that it was fraud, but I was not told that I had to submit proof or given any information on where to send this proof. I don't understand why it was closed after a day when it is nowhere near enough time to even think about what exactly I can to begin to gather proof and the only proof that I could show, video from the ATM, I was told would not be enough because Chase would deny the claim and state that I had lent my card to someone. I was not given advice or tips on how to prevent this or what exactly I could do to demonstrate that I did not approve or went to the ATM to withdraw this money.
Consumer complaint received 2018-07-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (IL)

Yes I recently disputed some accounts on my credit report that were Verified as accurate and I don't believe this to be so, A debt by CMRE Financial on XX/XX/17 was placed for collection and I do not take ownership for this debt can you please do a real investigation that the credit bureaus claims they did already.
Consumer complaint received 2018-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: U.S. BANCORP (IL)

Complaint # XXXX has all of the details. Please reference that. U.S. Bank was supposed to send me a Visa gift card worth {$100.00} to make up for my aforementioned complaint, and instead they sent me a card with only an {$85.00} balance.
Consumer complaint received 2018-07-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX XXXX needs to be removed from my credit report. I have no debt owed to this company or to XXXX XXXX XXXX My payments have been made in full. 

If this is not removed within 30 days, I intend to file suit.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CO)

I closed a personal checking account with XXXX XXXX XXXX in XX/XX/XXXX, and received a letter confirming the account was closed. 
That was the last communication I had with XXXX XXXX XXXX, until I received a letter in XX/XX/XXXX stating my CLOSED account was past due, and to remit the amount due. 
The letter also stated that this negative status had already been reported to Experian. 

I telephoned XXXX XXXX XXXX, and an associate looked over my account status. 
- She saw that the account was closed XX/XX/XXXX. 
- She then noticed a monthly maintenance fee was charged to the ( Closed ) account in XX/XX/XXXX. 
- Further, the overdraft protection feature of the ( Closed ) account paid the incorrect maintenance fee. 
- In subsequent months, the overdraft protection amount was unable to be drawn down to XXXX, since there was no money in the ( Closed ) account. 
- Finally she noted in XX/XX/XXXX that the matter was turned over to the Bank Collections Department. 

Between the letter confirming my account was closed in XX/XX/XXXX, and the letter in XX/XX/XXXX stating the overdue matter had been reported to Experian, I had received XXXX communications from XXXX XXXX XXXX. 

As a result of my contacting XXXX XXXX XXXX in XX/XX/XXXX, they  closed my ( Closed ) account, and dismissed the incorrect maintenance fee and overdue fee. 

However, I now need XXXX XXXX XXXX to remove the negative credit activity from my credit report. 
I submitted a dispute via Experian, and XXXX XXXX XXXX simply reported that the account is closed. 

I need XXXX XXXX XXXX to correct its mistake which it compounded in so many ways, and repair my credit report.
Consumer complaint received 2018-06-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (MN)

The servicer of my student loan was transferred from XXXX XXXX to Nelnet.  I did receive physical mail notification of the transfer ; however, upon establishing an online account with netlnet I was notified of a loan balance that appeared much higher than the balance disclosed to me online via XXXX XXXX during the months prior to the transition. 

I called XXXX XXXX to obtain a record of my loan balance prior to the transfer to Nelnet, and after being placed on hold multiple times prior to being reconnected to the service representative they were unable to provide me with my student loan balance at the time of transfer to Nelnet. 

I am concerned that the balance reflected at Nelnet is overstated and I have no means to reconcile my ending balance at XXXX XXXX prior to transfer to what now appears on Nelnet ( my new servicer ).
Consumer complaint received 2018-07-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MD)

AFTER I MADE A PAYMENT IN XX/XX/2018, I WAS A MONTH BEHIND. 
I HAD TO UNDERGO XXXX IN EARLY XX/XX/2018, FOR MY XXXX XXXX ; I WAS OUT OF WORK FROM XX/XX/2018 TILL XX/XX/2018 ( FOUR MONTHS ). 
I SPOKE WITH SPS ON XX/XX/18, EXPLAINED WHY I WAS BEHIND, THAT I WAS GOING BACK TO WORK, AND WOULD BE RECEIVING XXXX INSURANCE PAYMENTS, TOTALING FOUR MONTHS PAST DUE, ON/ABOUT XX/XX/2018. I WAS TOLD THAT WAS FINE BY CSR AT SPS. 
I FINALLY RECEIVED XXXX INSURANCE PAYMENTS ON XX/XX/2018, AND DEPOSITED IN MY BANK. I WENT ONLINE TO MAKE PAYMENT XX/XX/2018 TO SPS, AND WAS BLOCKED, CALLED SPS TO FIND OUT WHY AND WAS TOLD MY LOAN WAS IN FORECLOSURE! AND THEY WOULD NO LONGER ACCEPT PAYMENTS. 
I RECEIVED IN THE MAIL THAT DAY, THE FORECLOSURE PAPERWORK FROM THEIR ATTORNEYS. 
THE ONLY REMEDY WAS TO REINSTATE LOAN BY XX/XX/2018, FOR {$6100.00} ; IMMEDIATELY OVER-NIGHTED LOAN MOD/ASSISTANCE PAPERWORK TO SPS AND THEIR ATTORNEYS REQUESTING REPAYMENT PLAN ESTABLISHED ON XX/XX/18 PHONE CALL BE HONORED.
Consumer complaint received 2018-07-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Continental Finance Company, LLC (NY)

I'd called my credit card company ( XXXX/Continental Finance ) to inform them that my credit card was compromised by being either lost or stolen. Their rep gave me a hard time over the phone but then eventually stated that I would have to submit a utility bill w/my new address for identity purposes since I'd also recently moved. Once I got the electric bill, I sent the company a copy of the new XXXX XXXX electric bill w/the new address, a new check w/my new address for the month 's payment ( XX/XX/XXXX ), and the company still didn't mail me my new card. The company 's claiming that they'd closed my old credit card account once they were informed about it being either lost or stolen last year in XXXX and that they were mailing me my new card two months ago XX/XX/XXXX and no card has arrived in the mail for two months, and they just changed the credit card account recently in XXXX because the last four numbers on the bill have just changed this year, not last year in XXXX as they're claiming.
Consumer complaint received 2018-09-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (CA)

Debt is being disputed since original creditor ( XXXX ) didn't comply to accept payment on my 12th payment, to pay off ( cash price ) amount as requested and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12th payment as listed on attached agreement. Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. Attached letter to validate debt and removal if not response is receive by due date. 

XXXX is using SECURITY CREDIT SERVICES to collect money I don't owe, SECURITY CREDIT SERVICES used XXXX XXXX  XXXX services to collect debt as well. I don't owe any debt to any company XXXXnd/or Collection agency and false information was reported to XXXX. Written notification was sent to XXXX XXXX XXXX XXXX to validate debt and they didn't validate it, resulting on returning debt to first collector. Collector reported false information to my XXXX credit history and legal actions will be taken. 

I have prove of what I said above about XXXX NOT accepting my last payment and threatened emails about selling my debt, hurting my credit and penalties they shouldn't added to original debt. 

Please note, debt is being disputed and for more information I'm attaching needed documentation. SECURITY CREDIT SERVICES haven't had any kind of communication with me, please respond or lawsuit will start right away.
Consumer complaint received 2018-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

File Number : XXXX I have sent in a ID THEFT Report and they placed a fraud alert on my report, but, their are inquiries on my report that I did NOT authorize.<br> XXXX XXXX via XXXX  XX/XX/XXXX<br> XXXX   XX/XX/XXXX<br> XXXX XXXX XXXX XXXX XXXX   XX/XX/XXXX<br> XX/XX/XXXX<br> XX/XX/XXXX<br> XXXX XXXX XXXX XX/XX/XXXX<br> XX/XX/XXXX<br> XX/XX/XXXX<br><br> XXXX XX/XX/XXXX<br><br> XXXX XXXX XX/XX/XXXX<br><br> XXXX   XXXX XX/XX/XXXX<br><br> XXXX XXXX   XX/XX/XXXX<br><br> XXXX XX/XX/XXXX<br><br> XXXX  XX/XX/XXXX<br><br> These inquires need to be deleted from my credit reports as soon as possible
Consumer complaint received 2018-07-08
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: CITIBANK, N.A. (TX)

On XX/XX/2018 I sent Best Buy/CBNA a letter disputing the account they are reporting on my credit report as charged off in the amount of {$5000.00} ( while the credit limit for this supposed account was only {$3600.00} ). It was delivered certified mail and signed for at the address listed on my credit report on XX/XX/2018. A few weeks later I received a letter from CBNA dated XX/XX/2018 stating that they were no longer attempting to collect the remaining balance on this account signed by a Mr. XXXX, listed as Vice President of CBNA. It is now XX/XX/2018 and the credit report I just received yesterday, XX/XX/2018, still contains CBNA inaccurately listing that account in collections/charged off in the same amount of {$5000.00}. On top of not removing the account from my credit report as said in a letter from them, they also have not marked the account as disputed on my credit report as required by the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ). Throughout this entire process I have retained copies of the signed, certified mail letters delivered to the company as well as time-stamped copies of my credit reports to verify they did not mark the account as disputed in the required 30-day timeframe.