davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Machol & Johannes, LLC (WA)

On XX/XX/XXXX the account that I share with my wife had a legal hold applied. The company XXXX XXXX XXXX filed a lawsuit and somehow got judgement granted. I was not notified of this court proceeding, nor was I contacted via telephone, email or postal or process server. I called what appeared to be a law firm call center for Machol & Johannes LLC and spoke to a customer representative and he told me that on XX/XX/XXXX of XXXX a process server came to my home and served me. 

I was not home and did not get any paperwork. I was informed that a Hold was placed on my account and that the amount of {$1500.00} was to be paid. I recently found out that the hold will not be removed until XX/XX/XXXX. They have taken 114 % of my wife 's paycheck leaving us with nothing to pay our bills, gas in our vehicle, or buy food with, in fact payments that have been previously scheduled will still come out over-drafting my account because any funds that I deposit will be held. When I explained that to them I was told there is nothing that can be done. There is going to be a lot of NSF fees coming because of this issue, this is also jeopardizing the account that we have held in good standing for approximately 12 years with XXXX. 

I looked up the case number that was provided to me by XXXX, this judgement was apparently determined on XX/XX/XXXX and as of yet I have still received NOTHING.
Consumer complaint received 2024-08-25
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. (CA)

Upon reviewing my Credit Reports, I discovered some late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. This information must be reported with utmost accuracy. I have never missed a payment on the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX report, XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ don't have account info ] 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, account Legally paid in Full for less than the full balance, I don't have the account number but I do have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-10-06
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: SYNCHRONY FINANCIAL (CA)

Deceptive business partnership practice with an XXXX XXXX program featuring 12 no interest payments for XXXX equipment. I have been billed for the purchase and the equipment is not even in production at factory. I have requested a refund for the purchase because the financing terms were deceptive.
Consumer complaint received 2019-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NJ)

I applied for Barclays Arrival Plus Mastercard Credit Card on XXXX. 
Barclays collected all my confidential information ( Social Security Number, Date of Birth, Address, etc ) and pulled my credit report ( hard inquiry ) They now sent me a letter asking for the following information : a ) Proof of Address b ) Copy of Drivers license c ) Copy Social Security Card d ) Copy of Utility Bill This is a XXXX bank perpetuating fraud in US and collecting vital and sensitive information of US Citizens.
Consumer complaint received 2019-03-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (NJ)

Spoke with agent in XX/XX/2018 explaining hardship because I was fired and that I was having health issues. Made payment and requested arrangement but to no avail. 
In XXXX, I had another XXXX and called in XXXX, XXXX and XXXX to make arrangements to close account and stop interests and fees by making arrangement to pay them {$50.00} per month. They said unless I had someone to be responsible, that had a job, they could not make arrangements. In the meantime, they have raised the amount owed with fees and interest plus have been reporting to credit bureaus derogatory scores. I have never received call from anyone trying to settle or accept arrangement. I am XXXX and have health issues preventing me from getting a job.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (SC)

ACCOUNT # XXXX Whats up Just wan na let you know Im disputin that debt you mentioned under the Fair Debt Collection Practices Act Aint askin for more proof or docs just lettin you know I dont agree. If you need to reach me best way is by text on my cell or email on my cell or computer Monday to Friday between 9am and 1pm Eastern Time . Any other times or methods like live calls or voicemails aint good for me.ACCOUNT # XXXX plus other accounts you saying I'm oweing.
Consumer complaint received 2021-09-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

So I was told by the XXXX, Equifax, XXXX, and XXXX that they have verified a public record on my credit report. XXXX, XXXX, and Equifax all claim to have verified this information with their third-party vendor XXXX who also uses a third-party vendor to verify their information known as XXXX. I recently received information from a dispute with XXXX and they reported that they verified a chapter XXXX bankruptcy filed on XX/XX/2016 and discharged on XX/XX/2016. The problem is all 3 bureaus have different information but they all reported on the record that they verified this information with XXXX. It is my right to have accurate information about me reported and since it has not been properly done I want the information removed from my credit profile or I will get a lawyer and sue each bureau for placing false inaccurate information on my credit profile.
Consumer complaint received 2019-03-26
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: LDF Holdings, LLC (TN)

A lady named XXXX XXXX keeps calling my cell phone and work phone number leaving messages. Saying she has a warrant for my arrest. XXXX. She is with XXXX XXXX XXXX. There number is XXXX. Original debt was with Bridge Solutions. Now they bought the debt I only owe {$70.00} now this company is saying {$2200.00}. The original loan was {$250.00}. They keep calling my job.
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

I complained about this item on my credit file to equifax and I was mailed a quick response dated XX/XX/XXXX. It is no way that investigation was completed in that length of time. This item XXXX/XXXX   was originated from a apartment complex, in XX/XX/XXXX. The item should be removed from my credit file based on length of time, but instead it is bought and sold, staying on my credit file as a negative item, this item does not belong to me.
Consumer complaint received 2019-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

My payment amount is not being evenly dispersed to all my principle balances. Instead nelnet is applying the total amount to the interest portion of the loan rather than the principal which will elongate the loan further. Ive also asked if there are options for me refinance or lower interests rate but was told to visit StudentAid.Ed.gov. 

As a graduate student, mother to be, and full time worker I'm hoping there are more options for people like myself who are struggling with these large companies like Nelnet. Please put regulations in place and make sure our money is being put towards our loans and not the companies pocket.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY (NC)

On XX/XX/XXXX I was made aware of XXXX transactions being made from my account without my knowledge or consent from XX/XX/XXXX XXXX XXXX, XXXX. I contacted Wells Fargo about the transactions and made it clear I did NOT make those transactions and that I do not use XXXX. Over {$3000.00} was taken from my account! The agent decides to only file XX/XX/XXXX of the transactions and the claim was denied for that reason ( per the agent I spoke to 10 days later ). They then proceeded to close the account and would not discuss the issue further. I filed an executive complaint which did not help. On XX/XX/XXXX another claim was filed with the correct transactions ( all 20 ) and again they denied it without providing reasoning. Now today ( XX/XX/XXXX ) I have been hung up on by agents and told they can not get my funds back nor explain to me what happened. I just want my funds back.
Consumer complaint received 2019-02-02
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. (NC)

In XX/XX/XXXX I noticed several inaccurate and fraudulent address, accounts and inquiry 's on my credit report. I believe I am a victim of identity theft due to several security data breaches I have been involved in with companies such as XXXX XXXX and XXXX XXXX. I am requesting that these accounts are removed from my credit report immediately as this is severely impacting my life.
Consumer complaint received 2019-02-02
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: SYNCHRONY FINANCIAL (NY)

I have a Hard report from Florida about airlines and i have never used that service nor have i been in florida, and i didnt search or put any of my information on any on-line or calling about Airlines. And also one for a walmart hard report. all done in XX/XX/2018
Consumer complaint received 2019-02-02
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (GA)

I attended XXXX XXXX XXXX in XXXX and the school closed in XXXX, applied for a student loan forgiveness and I was told I cant get it
Consumer complaint received 2022-05-30
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2019-02-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (OH)

In XX/XX/XXXX during the financial crisis we left XXXX XXXX owing a balance to Citi Bank. We received notice and agreed to repay the amount of {$1100.00} in monthly installments. The last payment in XX/XX/XXXX of XXXX plus dollars. Last week I received a 1099C of discharged debt which I should file to the IRS. My problem is not with the debt but the bookkeeping First it was on their books as a debt then my payments should have been a collection. Next they carried it as an accounts receivable for 6 years Now they are charging it off as a loss. 
My account is a drop in the bucket. However, if you multiply this by maybe 200,000 customers the bucket is full. The books are cooked. How many people after 6 years and all the financial turmoil caused by these banks can prove out the repayment and if you do get an amended 1040C after a lot of trouble are they going to report the income. They remind me of XXXX XXXX. Charge a lot of people a little and you have millions. Please look into this. A copy is being sent to my senators office.
Consumer complaint received 2024-08-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, FL XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX Your address : XXXX XXXX XXXX, XXXX XXXX  TX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: ALLY FINANCIAL INC. (IA)

I did a mobile deposit for a check I wrote myself from one of my banks ( XXXX XXXX ) to my other ( Ally Bank ) on XX/XX/XXXX. The funds were sent by XXXX XXXX the following business day, but I noticed it hadnt gone through at Ally Bank. I called them and they told me XXXX XXXX hadnt sent it, and that it wont be deposited until the XXXX. I called XXXX XXXX to confirm the money was sent with no problems, which it was. I call Ally, irritated that my funds have not gone through even though I didnt fit into any of the exception to the Expedited Funds Availability Act. They inform me that XXXX XXXX gave them information stating the check may not be able to be paid. I call XXXX XXXX, there fraud and security department said that didnt make sense and that the money is out of my account and with Ally so was obviously able to be paid. 

I call Ally again, they say it needs to clear. I inform them that it has, and that they have the money but are refusing to release it. I ask why they are refusing and they said it is still processing. I told them it has been approved. After that, they stated we simply can not release funds until the XXXX without giving me a reason. 

Right now I am out {$3000.00} dollars. I dont have very much to my name so I am in a very bad situation without money. But they will not release the funds or give me a reason why they have it. My account is not younger than 30 days, I have no history of overdraft, the check was not an amount over {$5500.00}, I have made a check deposit from XXXX XXXX to Ally before, its has cleared so clearly I have the funds. I explained this all to them and they are dead set on doing nothing. I believe regulations are out in place to make sure this does not happen.
Consumer complaint received 2019-06-16
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (MD)

I purchased some merchandise off of XXXX on XX/XX/XXXX and the seller requested that I send the money through XXXX. I sent the XXXX and after the funds were sent I heard little from the seller and they eventually ended up blocking me and and I have no contact to the seller. I issued a dispute and there was no solution I end up losing my money and my bank said they could not do anything more regarding the situation. They told me I would have to directly go through XXXX  to resolve the matter XXXX does not have a phone number they can be reached at and the email support is not reliable
Consumer complaint received 2021-01-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lending Club Corp (CA)

On or about XX/XX/2020 I contacted Lending Club and asked for assistance with my payment as I had recently incurred additional expenses and I need their help. They offered to reduce my payments for 2 months. I was concerned this would negatively affect my rating with them. The representative assisting me assured me there would not be a negative rating with them nor would it report late to the credit bureaus so long as I paid my modified payments on time. I authorized them to take a payment from my checking account on XX/XX/XXXX and again on XX/XX/XXXX. Approximately two weeks later I received a call from Lending Club advising me that due to a system error on their part, my payment on XX/XX/XXXX did not process. I asked them if this would reflect negatively on my account and they assured me it would not. I asked them to process the payment that day and again on XX/XX/XXXX. Approximately 1 week later, I received another call from them saying once again, due to a system error, my last payment did not process. But they were going to process two payments ( very inconvenient for me ) and they identified the problem on their end and it would not happen again. The rep repeatedly reassured me everything would be back dated and there would be no negative reporting to the bureaus. Despite their repeated reassurance that there wouldn't be any negative reporting, I received an alert from XXXX that my Lending Club account was now 30 days past due!! I have spent the last two weeks trying to get a Supervisor to call me so I can get this issue resolved, and no one has called me!
Consumer complaint received 2020-01-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nevada Credico, Inc. (TX)

Quantum collections is reporting that I owe a debt to XXXX XXXX XXXX XXXX on my credit reports. It is a debt that is not owed due to my family being XXXX XXXX military. XXXX XXXX XXXX XXXX   was provided with a copy of military orders in XXXX and again in XXXX. Quantum stated in XXXX that this debt was validated and refused to remove it or show proof of the validation they received. Ive asked multiple times by phone and have since disputed with the credit bureaus. I have also emailed the CEO of XXXX and Quantum collections customer service. Under the service member relief act, I would like this debt removed from my credit report. I would also like is removed due to the fact they have yet to provide me with the validation I requested months ago.
Consumer complaint received 2020-01-24
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. (SC)

XXXX XXXX XXXX I have no knowledge of the company nor previous contracts XXXX  XXXX I have no knowledge of this company nor previous contracts XXXX XXXX- I have no previous contracts or knowledge of this company. They sent me a letter stating I wasn't found in there system XXXX  XXXX XXXX  XXXX-I have no knowledge of the company nor previous contracts XXXX XXXX-I have no knowledge of the company XXXX XXXX I have no knowledge of this company and it was removed from my equifax  report
Consumer complaint received 2020-03-08
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. (OH)

These bad addresses is a big problem for me, I found addresses that I never lived at on my credit report. My name is XXXX XXXX XXXX please remove any other name from my file it is not accurate. my SS Number is XXXX my date of birth is XXXX. 
Please delete these no good addresses that are not mines : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete these phone numbers not my numbers : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2021-01-02
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

On XX/XX/2020 I filed a complaint with CFPB in reference to a tradeline on Equifax which was reporting on my file multiple times ( 4X ) with XXXX XXXX XXXX Account number XXXX. Equifax responded to my complaint on XX/XX/2020. According to my Equifax report this tradeline was deleted from my equifax report as of XX/XX/2020 as you can see from my equifax credit report attached to this file and my XXXX XXXX report on XX/XX/2020 and my XXXX XXXX report on XX/XX/2020. As of XX/XX/2020 Equifax reinstated this tradeline without sending me a 5 day notification. This is clearly a violation of FCRA section 611 : ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.