davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-10
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IA)

I wanted to pay off my student loans. Navient was paid XXXX dollars to settle the loan in XX/XX/XXXX. I thought Navient was part of XXXX but they took over XXXX XXXX. I have documentation that all my loans were paid in full XX/XX/XXXX. I have the documents that were sent in the mail. I have sent those documents to Navient and they were suppose to look everything over and have a decision in 30 days. I sent the information through an email on XXXX XXXX. XXXX XXXX I resent the email because they said they did n't get it. I made sure they received it this time. Each time I call they say they do n't have the email and then find it. They resubmit my information and tell me I will have to wait another 7 to 10 days. This has happened several times. I have proof that they need to return the XXXX since this loan was already taken care of XX/XX/XXXX.
Consumer complaint received 2018-12-17
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/2018 I filed a dispute for a charge from The XXXX XXXX for {$150.00}. On XX/XX/2018, more than three months later past the allowed timeframe to reply to settle a dispute chase sent me a letter stating they were removing the temporary credit of {$150.00} since The XXXX XXXX issued a credit from a completely unrelated transaction for {$100.00}. Previously, I had also called into Chase to inform them the credit from the XXXX XXXX was unrelated to the charge in dispute. This should have been obvious seeing as the credit was for a totally different amount on a date very far apart from the dispute being filed. Thus they not only exceeded the allowed timeframe allowed to settle a dispute, but they also used the credit from an unrelated transaction to deny the dispute outlined in my letter on XX/XX/XXXX.
Consumer complaint received 2017-07-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (TX)

I had couple salesmen come to the door and pressure me into having a new roof insulation and solar panels..   They were such nice young men that I went forward with the plan. Had the new roof put on insulation plus radiant barrier. I waited about 2 months and I woke up about the {$44000.00}. dollar decision I made. I got cold feet and backed off after paying th  em {$11000.00}.
But they may have pulled out {$15000.00}. from the Synchrony Financial because they keep billing me, calling me. I keep telling Synchrony I do   n't owe them that money.   I have paid bank stubs and can prove I paid {$11000.00}. for roof and insulation.   The {$15000.00}. shows on my credit report and has ruined my credit.   I want it off. I have spoken to the young men but it means nothing to them.   I wonder how many more old folks they took advantage of.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have disputed this information for some time with no resolution, it has adversely affected my life in a major way, I'm a business owner who needs access to funding to keep my business afloat. I also need it for my personal life as well, I can't apply for a mortgage or refinance my auto loan because of the unfair reporting from Transunion, XXXX, and XXXX.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (KY)

Account for XXXX XXXX XXXX, opened XXXX and closed on XXXX. Account shows chargeoff of XXXX. That is incorrect. Account was never late nor charged off. Account was closed in satisfactory staus paid as agreed with XXXX balance. XXXX XXXX  refuses to remove or correct.
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NM)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.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 2023-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: OneMain Finance Corporation (MO)

Well first we made an agreement for me to receive a loan at waste time I met set agreement and right before I'm giving my money they taxed on an extra {$450.00} charge which I paid and then they said that their machines we're having problems processing it so I would need to send an additional {$200.00} before I was able to get my phones that I was already promised and had already met through card agreement and now they refuse to refund me any of my money and states that if I do not pay the XXXX that they will throw my entire as long as they make and money that I spent so far out and I will get nothing that money with my sister 's insulin I need help immediately
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2023-09-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: WELLS FARGO & COMPANY (MI)

Wells Fargo been with them since XX/XX/2004. Last 3 yrs escrow has been an average of {$2500.00}. A year. This year they dropped it down to {$1400.00}. Then asked us to pay {$2200.00}. Because of there estimated mistake. Our house payment went up over {$300.00}. Until payed up.
Consumer complaint received 2023-09-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (OR)

Resurgent Capital Services L.P. send me a letter that they manage the Credit Card Account of original Creditor XXXX ( XXXX ) for LVNV Funding LLC. Their letter also refers to XXXX XXXX . The original debt was Charged Off XX/XX/XXXX. Resurgent states that it is an attempt to collect a debt. And is trying to collect debt that you owe to LVNV Funding LLC. They will use any information to collect the debt. 

Personally, the debt have been charged off in XX/XX/XXXX. I suffered economic loss from XX/XX/XXXX forward to XX/XX/XXXX+ in the cost to have financial access to banks and institutions. I do NOT owe any such debt. I do NOT have the economic resources to engage with Resurgent Capital Services. 

I am a senior citizen, and Retired US Combat Veteran with service connected XXXX which included a XXXX Diagnosis. This letter from Resurgent Capital Services creates great stress, XXXX, XXXX and mental fatigue. Ask Resurgent Capital Services to STOP immediately from any further contact with me. Thank you
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS) (MN)

At the beginning of I XXXX, I found out about this credit reporting agency chex systems. And since Ive previously been a victim of identity theft, I decided to see what they were reporting. Upon request of my report I noticed some accounts have been open in my name that I didnt recognize/authorize and some inquiries for my report that I didnt recognize/authorize. So I filled a police report ( temporary # XXXX ) and I called ChexSystem and informed them that I was a victim of identity theft. Informed them of just a few of their many violations of : *15 U.S. Code 1681s2 ( a ) *15 U.S. Code 1681b ( 2 ) *15 U.S. Code 6801 *18 U.S. Code 1028A Because you are PROHIBITED BY LAW to furnish inaccurate information.

*15 U.S. Code 1681s2 ( a ) So I demanded they Cease and Desist the reporting of incorrect/ inaccurate information immediately.

And I demanded to see verifiable proof ( ie : an original consumer contract with my signature on it ) and/or a Certification from the creditor that certified the accuracy and completeness of the information/alleged accounts.

*15 USC 1681e- ( b ) I explained that I did not give them any expressed permission or permissible purpose to report any of the information of these alleged accounts or of any account for that matter.

*15 U.S. Code 1681b ( 2 ) I informed them of the obligation that financial institutions have to provide me with my disclosures of personal information before disclosing any of my private information. And explained that I have not received any disclosure yet so they are reporting information that I gave no permission to disclose.

*15 U.S. Code 6802 And because they cant provide the validation of the certification of the permissible purpose document that you should have certified before selling my report. They committed Aggravated identity theft of my information.

*18 U.S. Code 1028 They have yet to cease and desists of the reporting of these inaccurate alleged accounts or any of the unauthorized inquiries.
Consumer complaint received 2023-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RGS Financial, Inc. (MD)

Subject : Complaint Regarding XXXX 's Sale of Account to RGS - Request for CFPB Intervention Dear Consumer Financial Protection Bureau, I am writing to file a complaint against XXXX for selling my account to RGS, a third-party debt collection agency, without proper notification or authorization. Despite my attempts to address this issue directly with XXXX, I have not received a satisfactory resolution. Therefore, I am seeking your intervention and assistance in resolving this matter.

Incident Details : 1. Account Sale to RGS : - XX/XX/2023 - Account Number : XXXX RGS Reference : XXXX The unauthorized sale of my account by XXXX to RGS is a clear violation of consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and other applicable regulations. This action has caused significant distress and concern, as I did not authorize or consent to the transfer of my account to a third-party debt collection agency. 

I urgently request the following actions from the Consumer Financial Protection Bureau : Conduct an immediate investigation into XXXX 's unauthorized sale of my account to RGS without proper notification or approval. 
Ensure that XXXX provides an immediate and satisfactory resolution to this matter, including reversing the account sale and terminating any collection activities by RGS. 
Require XXXX to provide written confirmation of the unauthorized account sale and any related documentation.

Direct RGS to cease all collection activities related to my account until this matter is fully resolved. 
Take swift and appropriate enforcement action against XXXX for their violation of consumer protection laws. 
Provide me with regular updates on the progress of the investigation and resolution of the complaint. 

I deeply appreciate the Consumer Financial Protection Bureau 's commitment to upholding consumer rights and ensuring fair practices in the marketplace. Given the urgency and potential harm caused by this unauthorized account sale, I kindly request your immediate attention to this matter and your swift intervention to rectify the situation. 

Thank you for your prompt consideration of this complaint. I eagerly await a resolution to this distressing issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
Consumer complaint received 2024-10-14
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: Experian Information Solutions Inc. (MS)

SENT SEVERAL DISPUTES FOR ACCOUNTS WEEKS AGO THAT ARE REPORTING INACCURATE INFORMATION ON MY CONSUMER REPORT. YOUR COMPANY IS IN VIOLATION OF THE FCRA FOR REPORTING INACCURATE AND UNVERIFIED INFORMATION ON A CONSUMER REPORT. THESE ITEMS MUST BE DELETED IMMEDIATLEY BECAUSE IT IS AGAINST FCRA REGULATIONS. I DEMAND THAT YOU DELETE AND BLOCK THESE ACCOUNTS TO AVOID LITIGATION AGAINST YOUR COMPANY ON MY PART. DELETE AND BLOCK THESE ACCOUNT IMMEDIATELY.
Consumer complaint received 2024-10-14
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)

To Whom It May Concern, After reviewing my credit reports, I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you have followed all applicable laws and regulations in your reporting. Therefore, I demand the removal of all negative and adverse remarks associated with these accounts. 

The inaccuracies involve the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Status : Collection with a balance of {$140.00} As you know, it is against the law to report any information that is not proven accurate. I demand that you provide me with concrete evidence of my obligation to the aforementioned accounts. ( If these matters have been properly taken care of, please disregard this letter. ) Please also be aware that I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft. As such, I request that you remove these accounts from my credit report immediately, as they are fraudulent and negatively impacting my credit score. 

If you are unable to provide the necessary documentation to validate these accounts, I expect all negative remarks to be removed from my credit report immediately. Please confirm in writing once these changes have been made. 

Thank you for your immediate attention to this matter. 

Sincerely, [ XXXX XXXX ]
Consumer complaint received 2023-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AL)

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.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 2023-09-19
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (AR)

XX/XX/XXXX XXXX XXXX XXXX  sent me a phone that was incomplete. I called and XXXX agreed to cancel my XXXX account and I return phone. They cancelled my charges and I sent phone back. I continued with their cable TV and internet service. Phone returned IMMEDIATELY in XXXX, but they never credited my CC. In XXXX, I disputed CC charges, sent my bank proof phone was returned and charges reversed. In XX/XX/2023, I move to Arkansas. No bills were ever sent to me and I thought all was finished. After moving XXXX  sent me notice that I owed {$93.00} for the phone and one month of XXXX at {$25.00} and startup. I explained through EMAIL and PHONE that I returned phone and had cancelled that account. After 4 months and me moving, they claimed I never returned phone and that I also owed the {$25.00} for first month. XXXX turned my account to TSI for collections in XXXX. I tried to submit a dispute, but their site wouldn't allow me to. I finally got proof from my bank and XXXX shipping proof. I sent proof to XXXX and TSI. TSI has now blocked me as I have sent them proof of return. BOTTON LINE, the negative on my credit hasn't been removed. I am in the process of emailing XXXX and TSI every day.
Consumer complaint received 2023-09-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (CA)

I opened my account with Citibank. 
I made a deposit in form of a check. The funds were made available after 2 business days. I was able to use some funds. Then all of a sudden I wasnt able to use my debit card, or any transfers online. I called customer service they asked me to verify some transactions that I had made. I verified them. Then they said I should be able to use my debit card. But I still wasnt able to use. 
I called again and they said my account was locked and I would get an email with reference number and once I provide that only then they will be able to unlock my account. Its been over two weeks neither I have received any mail nor the bank has removed the lock. I have {$39000.00} in my account and I am unable to withdraw or transfer funds. I need money for my basic needs and I have no access to my money. I have gone to the branch twice and then arent able to help me. I need access to my funds.
Consumer complaint received 2024-10-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under XXXX U.S. Code XXXX ( XXXX ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per XXXX U.S. Code XXXX ( Civil Liability for Willful Noncompliance ) and XXXX XXXX Code XXXX ( Civil Liability for Negligent Noncompliance ), your agency XXXX be held liable for failing to comply with federal law. Additionally, XXXX U.S. Code XXXX holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXX Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA XXXX XXXX ( False and Misleading Representations ) and FCRA XXXX ( Identity Theft Claims ). These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of XXXX XXXX Code XXXX ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating XXXX U.S.C. XXXX ( XXXX ) ( A ) ( B ) ( i ) ( XXXX ). They must be deleted from my report. 

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Consumer complaint received 2022-02-23
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: JPMORGAN CHASE & CO. (NY)

I paid {$9700.00} for XXXX flights on the XXXX Chase Rewards Credit, and paid an annual fee of {$95.00} for the card. The rewards for doing so were XXXX XXXX  rewards points as per the terms of the cardholder agreement. These were reflected on the XX/XX/XXXX Statement, and Chase indicate that they 'transferred the points ' to the XXXX XXXX XXXX account on XX/XX/2021. However XXXX XXXX have not applied these to my XXXX XXXX account ( Account # XXXX - XXXX XXXX ) and have been contacted 3 separate times over the last 2 months, in addition to contacting Chase 3 times. Customer Service on both sides on each occasion have indicated they will send to the relevant team to resolve and someone will contact me, but no-one has contacted me in more than 2 months. These Avios points are worth more than {$1000.00}, and XXXX XXXX is fraudulently withholding the credit of these points, in violation of the terms of the credit card agreement.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (NY)

My Federal Student loan Principal Balance is showing as {$180000.00} which is impossible since that is way above the aggregate loan limits allowed. My loans originated back in 1996 and I have requested all of my original master promissory notes to prove that this is incorrect but have not received any of them. I have called, sent certified letters directly to them and no response.
Consumer complaint received 2022-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NE)

In XXXX and XX/XX/XXXX I submitted the information for the PSLF program. One day I submitted my work with the XXXX of Nebraska. The next day I submitted my work from XXXX and XXXX XXXX. The payments made during my time at XXXX and XXXX XXXX has not been reflective on my PSLF payments. I have been a full time employee for non-Profit and State employment for XXXX years. I want to know when Fed Loan will process my time with XXXX  and XXXX XXXX as the new waivers from President Biden waives if the loans were in the wrong payment plan. I was previously with XXXX who had verifed employment yearly while I was making payments from XXXX to when I consoldated in XXXX. It is extermely difficult to get answers from Fed Loan thru the phone and I do not get responses from emails. I need assistance on getting an adaquate count of my payments as I should be completed with all payments at the end of XXXX of this year.