davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

I been trying to waive XXXX of my loans due to school closure in 2014. All the people at Navient just keep giving me the run around. They tell me I need this and that and once I provide the information. They all of a sudden say I need something else. I provide that information again and once again am told that I need something else. Are you kidding me? They put you through a loop so you can just give up. I am tried of their games. Why ca n't they do their jobs and get this taken care of. Waive this loans were something so simple and yet turned out to be something that is taking longer than 3 years to do.. I am now still waiting on them to submit me a letter so I may take it to another school to confirm that my credits do n't transfer. This is so unprofessional how they are handling my loans. The dean over at XXXX of the schools never heard of the lender requesting a letter stating that my credit do n't transfer. I this this is XXXX. it is just another loop to keep me hanging and not processing my request to waive XXXX loans due to closure of the school.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

At XXXX on XX/XX/XXXX, I deposited my personal {$190.00} check into Chase checking account at AID # XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX My account at Chase and XXXX XXXX XXXX XXXX upon which the amount was drawn are in good standing. My transaction receipt stated " Notice of delayed availability '' and " Date funds will be available XX/XX/XXXX. '' I immediately entered the bank to inquire as to why. The teller told me she could not provide an answer because she didn't have access to ATM transactions. I then approached XXXX XXXX XXXX XXXX XXXX for his insight. He investigated further but could not ascertain any additional information. He advised that I watch my XXXX account to see when the check cleared, provide proof it did and he would do what he could to release the funds sooner than XX/XX/XXXX. On Monday XX/XX/XXXX at XXXX XXXX, I emailed the screen grab of my XXXX profile that proved my check cleared on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX stated he still could not release the funds because of a hold up on XXXX 's side. My XXXX banker, XXXX XXXX researched his claim and found no evidence of this. I attached XXXX XXXX findings to my followup email to XXXX XXXX XXXX XX/XX/XXXX at XXXX. Funds still were not released until XX/XX/XXXX.
Consumer complaint received 2023-02-02
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: Experian Information Solutions Inc. (SC)

I mailed a letter off on XX/XX/XXXX. I have sent out another letter certified XX/XX/XXXX. Here is my tracking # XXXX XXXX XXXX XXXX XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information to third party company 's.

These are clear violations of my federally protected consumer rights.
Consumer complaint received 2023-02-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC (TX)

Payments in the amount of {$2900.00} from XXXX/2022 - XXXX/2022 are not reflecting on my credit reports from LoanCare. I call in regularly to get this resolved and it has not been resolved.
Consumer complaint received 2023-05-05
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. (IL)

Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX my American Express credit card shows a transaction for {$630.00} described as " debit adjustment ''. The CC company is unable to tell me exactly what this is, who the vendor is and I made no such purchase for this amount. I contacted the CC company 3 times -- XXXX XXXX XXXX XXXX. They keep telling me they are looking into it but they don't know how this transaction originated. They have refused to reverse the " adjustment '' even though they don't know what it is.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

Account : XXXX XXXX # XXXX Pursuant to XXXX, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 US 1681b 2, company also has NO permission to report ANYTHING using my info pursuant to 15USC1681 4. 

Account : XXXX  XXXXXXXX XXXX XXXX XXXX XXXX I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization XXXX COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Consumer complaint received 2017-02-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

Fair Collections & Outsourcing ( FCO ) is reporting an account on my credit report that was paid and was suppose to be deleted from my credit reports once I agreed to pay them. The account is past the 3 year statute of limitation in Maryland and this account is from XXXX to XXXX. I paid the account as a settlement with the agreement that it would be removed once it was paid. I was told that they had the agreement from there client XXXX at the XXXX to offer the settlement for deletion but they continue to report this account on my credit reports.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 XXXX 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 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (VA)

Ally Bank advertises that it offers XXXX payment services but does not instantly transfer the funds. On XX/XX/31, I needed to move funds from my Ally savings account to my own account at another bank. To avoid the delay of a regular bank-to-bank transfer, I made a XXXX payment to myself XXXX which according to XXXX terms and Ally 's website would appear instantaneously in my other account. XXXX did not seem to be working on Ally 's online banking site, so I had to call in to Ally 's customer service to effectuate the XXXX payment. The customer service representative recognized that I was making the payment to myself. Ally withdrew the funds instantly from my savings account, but delayed sending the funds for two days. Hence my supposed XXXX payment was no faster than a regular transfer. Ally benefited from instantly removing the funds from my savings account, because Ally could then earn interest on the funds and avoid paying ME interest on the funds. I lost interest on the funds altogether, in both accounts. Ally is deceiving consumers by offering XXXX but unfairly failing to carry out payments properly.
Consumer complaint received 2023-02-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY (MS)

I paid above the minimum payment every month ( for 3 years ) and never could get Wells Fargo to apply my payments correctly. Because of this, I was unable to pat down my auto loan accordingly as interest fees & chargers were continuously applied to my account that otherwise were incorrect and higher than they should have been had my additional payments been applied correctly to my balance. This is in response to Wells Fargos settlement lawsuit as I have recently closed my Wells Fargo account and no longer have a line of credit with them.
Consumer complaint received 2016-04-28
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Gurstel Law Firm, P.C. (IA)

XXXX XXXX XXXX is collecting on a debt that has been paid. XXXX sold accounts to XXXX XXXX, I have number of accounts showing up under XXXX. These are accounts for as early as 2002.
Consumer complaint received 2023-05-05
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: BARCLAYS BANK DELAWARE (FL)

I have contacted the company directly on many occasions over the phone. I keep being told that they will not accept payment on my debt and that my debt has been discharged. Ive been told several times and I even sent the credit bureaus a credit report challenge letter to look into the matter. 

I am trying to repair my credit and the company will not allow me to make a payment to settle the account and they will not remove the negative mark on my report either.
Consumer complaint received 2023-05-05
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. (TX)

I submitted a complaint last XXXX last year and XXXX this year and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-05-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a complaint last XXXX last year and XXXX this year and it was closed immediately. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to REMOVE them immediately.
Consumer complaint received 2023-05-05
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. (MD)

I have been disputing an account on my credit report that the credit bureaus are saying that have been investigated and verified. How can the item have been verified when XXXX, XXXX, and Experian are reporting different dates of last activity XXXXXXXX XXXX XXXXXX/XX/XXXX. Also, the account was included in XXXX, that has been updated to charge off, purchased by another lender, and charged off as bad debt in the creditor remarks. So again, How can this account have been verified/ updated if its still reporting inaccurate / incorrect information? 

I have attached my credit reports from XX/XX/XXXX - XX/XX/XXXX ( monthly reports ) to show proof of the inaccurate data. 

It does not meet the fair Credit reporting act regulations. 
I feel that this account is affecting my credit report
Consumer complaint received 2023-02-02
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: CLGF Holdco 1, LLC (FL)

There are three credit cards on my credit report. These cards are being reported as charge offs and/or collections. This is affecting my ability to obtain a much needed loan. I have contacted the credit card companies and they claim to have verified the debt. I don't know how they could verify the debt when my social security number was used to obtain the cards but at an address that I have never lived at. My social security number is connected to to my current address which I have been at since XXXX. I have filed a policy report with the XXXX XXXX XXXX XXXX XXXX # XXXX. Genesis Bank Card Services was taken out on XX/XX/XXXX using the address XXXX XXXX XXXX, XXXX, GA XXXX, the balance is {$980.00} I have never lived in Georgia and Social Security and my tax returns prove that. XXXX XXXX  XXXX XXXX was opened on XX/XX/XXXX the balance is XXXX. This card was opened under my maiden name of XXXX. I was married and changed my name in XXXX, again proven by my tax returns and social security number. The next account is CB Indigo taken out XX/XX/XXXX with a balance of {$980.00}. Again, this is not my account and I am not responsible for this bill. My identity was stolen, my social security number has been compromised and these banks are NOT verifying the person who is making the online applications.
Consumer complaint received 2023-02-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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. 
Account name : XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
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 2023-02-02
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.
Consumer complaint received 2023-02-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (AZ)

Beginning in XX/XX/2022 I began experiencing fraud related issues on both my personal and business checking accounts. Wells fargo failed to take proper action to close my personal account. The block did not work I incurred numerous overdraft fees as a result due to my available balances being lowered. Not all my fees were reversed. WF refused to provide a copy of written policy. My personal account is now suddenly closed without any prior notice. I am unable to view any statements online as the entire account was removed. They are denying my request to open a claim on my business account for the fraud charges. My account is still overdrawn due to all the excessive overdraft fees. I refuse to pay these illegal charges. My account needs to be fully corrected immediately. Their executive resolution team has not resolved anything.
Consumer complaint received 2023-02-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (MI)

I called Citi bank to dispute a charge on my Costco/Citi bank card , which they canceled the charge then resent another card. Three days later I had another fraud charge on the new card ( which was never activated by myself ), I again called Citi bank who canceled my whole account instead of my card. Now they state they can't reopen my account, but also are refusing to issue my rewards that I have earned from last year. They claimed that since the account is closed, their terms state that the rewards are forfeited. The account was canceled in error by one of their employees and was never requested by myself. I have had the card for almost 10 years and have paid the card in full every month.
Consumer complaint received 2016-04-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Dream Center Education Holdings (FL)

ON XXXX/XXXX/XXXX I contacted South University online by requesting and paying the fee for an official transcript. After not receiving my transcript, I contacted South again via email on XXXX/XXXX/XXXX and an unofficial transcript was faxed to my requesting party with the promise of an official transcript being sent out the next morning. At XXXX XXXX/XXXX/XXXX, I received an email advising me that my transcript request could not be processed and that I needed to contact the included phone number. On XXXX/XXXX/XXXX, I contacted the number and was told that my debt had been sold to a collections agency by the name of XXXX XXXX XXXX and was given a number to contact. I completed my degree in XXXX. I have not heard from South since with the exception of receiving a check at the end of the last term. I have not received any phone calls or letters advising me of a balance and would not have expected to because the school was paid before I was and I did receive an excess check. Now my issue is that my employment is being held up because I ca n't get my official transcript. Also, if my debt was sold to XXXX XXXX XXXX, I no longer owe South University, I owe XXXX XXXX XXXX and at no point and time have I been contacted by them. So my official transcript should be sent to me.