davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Phoenix Financial Services LLC (NJ)

I have recieved collection notice on a XXXX loan. Over the last few months i have continuely notified navient that i have submitted a " defense to repayment '' because i am a victim of Fraud by the XXXX XXXX XXXX XXXX XXXX XXXX. I have disputed the loans and want collection stopped. 

Reference number XXXX
Consumer complaint received 2016-05-07
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (NC)

I depositid a cheque at a Wells Fargo branch, I was told then that they needed to verify the check before dispersing funds. A few days later i saw funds in my account. I had some debts im trying to clear so i clear it. A day later i tried to use my card to do business i was told my card was declined. I called the bank customer care and they told me that my card was declined because something was wrong with the check. I as why was i informed of this and i didnt get an answer. A few days later i was told that i needed to pay back the money that was taken from the account, I ask why was the cheque verified if there was a problem they told me that was my responsibility. So they told me there was a scam going on like that so it seems as if i was scammed. I asked then if you guys knew this why didnt you verify the cheque properly, based on the fact that it was a large sum on the cheque, i didnt have no moneyin the account and my account was only a month old. I was told that the fund shouldnt have been dispersed base don those stated reasons. I was told by a banker that he would look into the situation and get back to me. It has been 2 weeks and i havent heard from him. Recently recieved a call from collections that i need to make payments because my account was in over draft. Now i have been asking questions and no one answered and no clarification, I also know if the bank had did there job i wouldnt have been in this situation and they dont want to take no responsibility. All i have gotten from them was a disrespectful customer care agent, poor service and collections streesing me and i aint working. So i was told by a legal aid lawyer to report the situation to the commisioners of banck and that site directed me here so im making a compaint hope to hear from you soon
Consumer complaint received 2016-05-07
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First Federal Credit Control, Inc. (OH)

I was not given any notification that this medical bill was going into their collections and would not have known this, unless I had not been monitoring my credit scores at the time. This deliqent mark on my report ( given to all XXXX major credit companies ) dramatically effected my score.
Consumer complaint received 2016-05-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MA)

My Name is XXXX XXXX XXXX XXXX XXXX XXXX Ma XXXX, this agencies have given out erroneous information.My creit rate for loand etc has risen due to their false data.. please investiage thes agencies under my name.I thank you..
Consumer complaint received 2016-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Meade & Associates, Inc. (VA)

Mead & Associates reported a debt to the credit bureaus without notifying me. When asked for the record of their previous communication, they could not provide the letter. The agency stated that they could not provide the actual letter but had record that a letter was sent and could send a new letter. I informed them that without a copy of the original letter, I had no confirmation that the letter was actually sent and that proper notification was given and that I had no opportunity to acknowledge or dispute the claim. 

I asked that they remove debt from my credit report but the supervisor stated that they could not. I paid the claim so that it would not further impact me and informed the collection agency that I would be reporting them to CFPB.
Consumer complaint received 2016-05-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CA)

Chase bank has aided and abetted XXXX to defraud my credit card account, which money was lender to me by Chase on a high interest rate, by refusing to investigate a fraudulent transaction on my Chase credit card. I have filed a dispute to Chase about the transaction and I spoke with XXXX XXXX XXXX whom we have explained what happened and shown evidence of the court docket and declaration of our lawyer as a proof that the transaction was fraudulent and the contract with XXXX was breached. I have requested Chase to get back my stolen money from the merchant, but Chase refused to protect me and took the merchant 's side, just because of their unlawful interest is to make more money by collecting the high interest rates over the {$3500.00} that was defrauded from me. Background : On XXXX XXXX XXXX I have paid XXXX the sum of {$3500.00} with my Chase Credit Card to bail my husband, XXXX court. The case was XXXX on XXXX XXXX, XXXX. After that my husband has contacted XXXX company to inform them that the charges have been dropped to a XXXX and ask them about the new condition of the bail. But due to this was the XXXX my husband has been arrested, XXXX took advantage of his lack of experience ( XXXX ) and refused to tell my husband the truth that he has been OR-d ( Own Recognizance ) from bail and also refused to inform him that XXXX XXXX XXXX XXXX has failed to post his bail bond to the court, as agreed, which is totally a violation of the contract and of my husband 's freedom by not informing my husband that his bail is no more required by the court. Due to this their fraudulent intention, we assumed that my husband is still on bail and for that reason he could not travel for business oversees or out of state. On XXXX XXXX, XXXX court date, my husband 's lawyer, XXXX XXXX requested the court to waive the bail on my husband, and that 's when we found out that my husband has not been on bail. The court had no information about XXXX posting any bond on behalf of my husband as XXXX have claimed. Due to this reasons XXXX breached and violated our contract with them and took the {$3500.00} without earning it. We have tried to contact them several times asking for a refund but they refused to cooperate and hanged the phone on us.
Consumer complaint received 2016-05-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (CA)

I received a notice from a credit monitoring service that changes had been made to my credit report. Upon viewing my credit report, I discovered a negative report of an alleged debt. I have never received ANY communication from STELLAR RECOVERY INC that reported this alleged debt. ( Reported Since : XX/XX/2016 ) This debt has NOT been Verified or Validated, Nor did they send me ANY notice of a right to dispute BEFORE reporting it to ALL XXXX major credit reporting bureaus!!!
Consumer complaint received 2016-05-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank has called my cell phone repeatedly without my permission for the last week. They call me 3-5 times a day. I am on time with my payments with the account I have with them. I have spoken to several different representatives and no one can figure out why they continually call me.
Consumer complaint received 2018-06-25
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)

ON XX/XX/XXXX I applied for credit on a used car but when I arrived at the dealership for my appt. time, they sold it just prior to my appointment and tried to sell me another car I didn't want. On XX/XX/XXXX, I looked at some cars on the XXXX and the salesperson said I qualified for one of their cars but only offered me {$1000.00} trade in on my XXXX XXXX XXXX so disgusted, I turned down his offer, On XX/XX/XXXX, I purchased a new XXXX XXXX from XXXX XXXX, but AFTER I purchased it, an additional 6 hard hits came in thru XX/XX/XXXX. These 9 hits should be enveloped? as one due ( 1 ) to the car being purchased and I was unaware that hard hits were continuing and I don't believe they were authorized. 
Second, On XX/XX/XXXX, I was pre-authorized to buy a second car which my brother and I wished to purchase together. On XX/XX/XXXX we purchased a new XXXX XXXX and was assured that we were financed by XXXX XXXX XXXX  and was and due to the XXXX holiday, and the car needing pre-delivery update we returned after XXXX and took possession of the Car. The Hard hit 's continued thru XXXX for a total of ( 21 ) which should again be enveloped? as One (! ) due to they were not authorized and for a single purchase started on XX/XX/XXXX and accepted on XX/XX/XXXX.
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (LA)

I have been fighting ID THEFT and please need to dispute the following accounts due to them begin fraud!! I have sent supporting documents in several times and please ask these documents be used to block and or remove the following. Also please lock my credit report and notify the companies that reported the fraud accounts under my name and SSN. Thank you.

1. XXXX XXXX   Reported :XX/XX/XXXX 2. XXXX XXXX XXXX   Reported : XX/XX/XXXX 3. XXXX XXXX Reported : XX/XX/XXXX 4. XXXX Reported : XX/XX/XXXX 5. SXXXX XXXX XXXX XXXX XXXX Reported : XX/XX/XXXX 6. XXXX XXXX Reported : XX/XX/XXXX7. XXXX XXXX   Reported : XX/XX/XXXX 8. XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX Inquiry : XX/XX/XXXX 9. XXXX XXXX XXXX  Inquiry : XX/XX/XXXX 10. XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX 11. XXXX XXXX Inquiry : XX/XX/XXXX 12. XXXX XXXX 13. XXXX XXXX Inquiry : XX/XX/XXXX 15. XXXX XXXX Inquiry : XX/XX/XXXX 16. XXXX Inquiry : XX/XX/XXXX
Consumer complaint received 2018-06-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (OR)

In 2017 I contacted an internet provider over the phone to set up WiFi services in my home. When the installation employee showed up he informed me he was unable to install that companys equipment due to some technical limitation on their part. Services were supposed to be cancelled. I used another internet provider, and never received any services from this company. Even so, I continued to receive bills from them, and I spent many hours calling them to dispute this, only to keep being transferred, and hung up on. Ultimately, this fraudulent account was acquired by IC SYSTEM for debt collection and reported on my credit. I never received services from this company, I am do not owe this debt.
Consumer complaint received 2018-06-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (SC)

I have been trying to close my account with Paypal, but because there is a dispute open, I can not close it.

Twice in the last two months I have found that Paypal has cleaned out my checking account and maxxed my credit cards, to send money to woman that I do not know nor have I authorized the transfer. They take all my money and then say they will get back to me in 10 days. I have tried to call, but the computer does not let you get through,. I have emailed and faxed Paypal, but they dont read it. I continue to get emails back from Paypal that are completely unresponsive to the issue I have raised, or they send the same one over and over so you are just going around in a circle.

In XX/XX/XXXX, they sent {$1400.00} to some woman I did not know. It was refunded back to me, however, they must not have gotten it back from the woman, because a few months later they sent a bill collector after me to repay the {$1400.00}. 
Most recently, money was transferred to another woman from my checking account and credit cards. That money was returned but they continue to show this womans name on my account under Quick Send or Top Contacts. I have contacted them to remove any unauthorized names,, but they do not listen. 
The dispute that is open is left open from XX/XX/2018. It is shown as Being Reviewed by Paypal and Under Review. This is just an oversight ; it should have been closed along time ago, but Paypal does not read my emails. 
Once they have removed this dispute, I should be able to close my account. I trust them with all my money, yet they do not listen to me. I am not interested in working with a company who does not listen to me.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NC)

I have not once been able to view the results of the disputes I have filed against Equifax. I get a courtesy email Dear XXXX XXXX, This is a courtesy reminder that we have completed the processing of dispute for Confirmation Number XXXX. 


View Now! 
You may view the results of your dispute online. * To view the status of your dispute, you will need your dispute Confirmation Number : XXXX When I try to click on the link to view the results, I fill out all the information about me to correctly. Then Equifax ask 5 or 6 questions about information that it says that I have credit cards etc. on certain dates which is totally bogus. I answer " none of the above '' to every one of the questions.

I then try to get the results of my dispute and Equifax claims that the information in their file does not match the response I supplied. 
EQUIFAX is keeping me from accessing information on my disputes. They have done this EVERY time I have tried to get information from them. I want Equifax to give me the access to my disputes and quit denying me access to the information that I have every right to have access. 
They initially got a denial to get a small personal loan. On the rejection letter, Equifax only showed 2 items on my credit report and stated to XXXX that I had " NO CREDIT SCORE ''. If I don't have a credit score and only show 2 items on my credit report, HOW IN THE XXXX  ARE THEY SAYING THAT MY INFORMATION DOES NOT MATCH WHAT IS IN THEIR SYSTEM. This is bogus. They are just claiming that the information I provide does not match the information in their system in order to keep me from getting the results of my dispute.

This is their response to accessing the dispute on-line ...

We are currently unable to process your request!

The information you have provided does not match our records ; therefore we are unable to process your request online.

Please try again later or submit your request via our secure Web Email dispute form.

Then I click on the link to do a Web Email dispute. I submit it and get the same XXXX story over and over and over again and again and again.
Consumer complaint received 2018-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS) (WA)

I had a checking account and I was robbed and reported it to the police and to the bank and there was some activity on the account that caused the bank to do an investigation and they replaced some of the money that was taken from the account and then closed the account and reported it as suspected fraud activity even after a police report was submitted to them and everything and they even have the persons name and everything that did the fraudulent activity on my account. I disputed this with the bank and they still refuse to take it off of my record. I don't see how they can accuse people of things like this and put derogatory marks on their record without proof that the person is guilty therefore hindering that person 's life.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.
Consumer complaint received 2018-06-25
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BARCLAYS BANK DELAWARE (NY)

Barclay XXXX XXXX XX/XX/2017 I sent letters from my XXXX  and they ingnored it they said I need a police report. This ridiculous they threatened me and said I was a threat and I shouldn't call back again after I sent the documents requested
Consumer complaint received 2018-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: INVESTORS BANK (NJ)

I had a checking account with Investors Bank ( Acct No. XXXX ). This account also had an Overdraft Line of Credit associated with it ( Acct No. XXXX ). I closed my checking account on XX/XX/XXXX. Unfortunately the Branch did not close the line of credit associated with it at the same time ( it had XXXX balance at the time ), and this overdraft account has been on the bank 's books and I continue to receive monthly statements nearly four years after closing. I stopped by the XXXX Branch of the Bank on XX/XX/XXXX and spoke to the Manager about this. He promised to have it closed, even though he could not do it on the spot in their systems. I have written to the bank on XX/XX/XXXX ( see attached letter ) asking them to stop sending me monthly statements associated with this account. The bank has neither closed the account nor given me an explanation for their inaction.
Consumer complaint received 2018-06-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

My name is XXXX XXXX XXXX. I have been a Chase customer since XX/XX/XXXX. 
I have been a victim of identity theft and have discovered a variety of different fraudulent usage of my personal information and informed Chase of it many times during the last 6 months. 
After disputing charges that were unauthorized and/or not me, between XX/XX/XXXX-XX/XX/XXXX Chase Bank decided to restrict my access to my checking account, online, on the phone and at branches. I only knew because my card was declined and I called customer service. 
Chase CSR 's refused to tell me why the account was restricted and they declined to answer me, multiple times. They did say Chase is ending their relationship with me, or close my account.

I have money and direct deposit from the IRS coming in that account and I am on XXXX and low income. Now I cant afford to eat thanks to Chase Banks decision to block access to my funds. 
No warning, no reason, after I've complained about Reg z on disputed debit transactions, had charge-back credits reversed, not responding to my many requests for evidence and procedures on investigating my disputes and other issues.

More concerning is that I have gotten numerous communication with Chaseonline that responses back to me with DIFFERENT ACCOUNT NUMBERS.

I demand that Chase answer ALL of the above concerns of mine.
Your company refuses to talk to me and I have been wasting 10+ hours weekly for months asking for help and getting the run-around.

Good day.
Consumer complaint received 2024-11-08
Product: Credit reporting 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)

Everything thats on my credit report is stopping me from getting a car an a house to lay my head because someone have been stealing my identity. I ask that someone please look into this. I have things in my collections thats not mine. I have looked at my TransUnion I have contacted the agency an all nothing is done.
Consumer complaint received 2018-06-24
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: Experian Information Solutions Inc. (CA)

I asked Experian to delete an old collection account because it was past the statute of limitations and the debt collector could not longer collect on it. They conferred with the debt collection company it was a true account, however, they did not delete it from my report despite the collection ( medical ) being a HIPPA violation.