davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (WI)

On XX/XX/XXXX i scheduled a regular payment for XX/XX/XXXX in amount of {$160.00} and scheduled a principal only payment for XX/XX/XXXX in amount of {$55.00}. ( I have email confirmations for both. on XX/XX/XXXX the XX/XX/XXXX payment shows pending and the XX/XX/XXXX payment shows as applied. 
Additionally, a late charge of {$25.00} was assessed on XX/XX/XXXX. On XX/XX/XXXX the XX/XX/XXXX payment is no longer reflected on the account, but the XX/XX/XXXX payment and late charge remain. On XX/XX/XXXX the XX/XX/XXXX payment is now reflected as a payment made on XX/XX/XXXX with a portion of the payment now applied to the XX/XX/XXXX late charge. I have issues with : A ) Fraudulent attempt to have me make a second payment because my payment is no longer reflected on the account. B ) Fraud in accessing a late charge when clearly a payment is shown as pending. C ) Fraud in apply part of a payment to a late charge that was fraudulently assessed. D ) Fraud in apply a payment 5 days after the payment was actually made. E ) Fraud in record keeping. Statement shows payment made on XX/XX/XXXX ( which is correct, BUT ) a portion of ontime payment is still applied to late payment that was not late And they insulted me by suggesting that I didn't have the money in my account. It was there and they took it!
Consumer complaint received 2018-04-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It has been long over time due with this on going investigation and your company havent fixed the inaccurate erroneous items that was placed on my report. As of today I was laid off of my job due to a credit decision after a meeting of a yearly evaluation. My boss gave me more than 6 months to fix this situation but in your end you didnt fix the errors so therefore I am not employed at this current moment. My job consists of good history and a probation period which we as employees must meet the criteria and agenda for this job. I decided to file a lawsuit and take legal actions for the damage you have cost me. I have file an FTC complaint and the number is XXXX. We are schedule for litigation and a hearing in XXXX. I have filed a lawsuit against your company for the apparent reasons of violating my rights as a consumer which your company allowed identity thefts to misuse my credit file. I asked more than 6 months ago to prove to me and show me that the inaccurate erroneous accounts and inquiries belong to me and I havent heard from you since. I have filed several internal disputes and at this point Id rather take it to court. This assures me that this situation will be seen by a judge in a court of law where I will receive justice. You violating the FCRA sections 609 represents how poor of a company you guys are and how you maintain false information and placed erroneous information onto consumers credit profile which by the law is a major problem. I have all rights as a consumer to dispute and I am aware of every law and sections that youve violated in the FCRA. The account that is reporting as erroneous information is as followed : A - 1. XXXX XXXX XXXX XXXX B -Inquiries : 1. XXXX XXXX 2. XXXX/XXXXr 3. XXXX XXXX
Consumer complaint received 2023-11-23
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. (NV)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify this account, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair this inaccurate account in my file. 
XXXX XXXX XXXX
Consumer complaint received 2021-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cascade Capital, LLC (NY)

Hi, I was contacted in XX/XX/XXXX by XXXX XXXX XXXX regarding debt from medical service received in XX/XX/XXXX. However, I knew that this was already paid. The company began harassing me and even reported the debt and it was on my credit report. After months of back and forth, I finally received confirmation from the medical center that I do not owe any money. I wrote a letter to them in XX/XX/XXXX indicating that I do not owe the debt, sent proof, and told them to stop contacting me. In XX/XX/XXXX, they wrote back indicating that they can not verify the debt and that they will take it off my credit report and cease all future communications. This month, I received another invoice from XXXX XXXX XXXX  for the same charge back in XX/XX/XXXX. They are threatening to report on my credit report again and said this is my second notice but I did not receive a first. Below I have attached the two invoices ( from XX/XX/XXXX and XX/XX/XXXX ), the letter I sent in XX/XX/XXXX, their response letter in XX/XX/XXXX, and my itemized invoice from the medical center indicating that I owe no money.
Consumer complaint received 2017-11-17
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. (FL)

XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXXXXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX  XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX XXXX Inquiry fromXX/XX/XXXXMiscellaneous XXXX XXXX Inquiry fromXX/XX/XXXXTelephone Companies XXXX XXXX Inquiry from XX/XX/XXXX Credit Unions XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Utilitie s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. 

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 
Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months. 

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
Consumer complaint received 2021-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

THIS IS NOT A DUPLICATE COMPLAINT!!!!!!! 

WHAT CHANGES DID NAVIENT REPRESENTATIVE MAKE TO MY ACCOUNT IN EARLY XXXX????????? 

Navient in a response to me says theyve mailed me several renewal reminders between XXXX - XXXX and they never received a response back from me. 

1. I was homeless. Had no phone or internet service. And no mailing address. 

2. NAVIENT HAD INCORRECT CONTACT INFORMATION ON ME BETWEEN XXXX - XXXX. 

Around XX/XX/XXXX YES I DID SUBMIT A {$0.00} XXXX. 

1. I called and spoke with Navient customer representative informing him of my circumstances and situation.

2. Navient customer representative informed me to submit {$0.00} IBR and wait at least 6 months. Then submit a written letter with documentation and the late payments would be removed. 

NAVIENT IS NOT LISTENING TO A WORD IVE BEEN TRYING TO TELL THEM. 

In XXXX their representative made changes to my account. 

1. I phoned in asking for help!!!!!!

2. I made the representative aware I was homeless and had no services. I also made the representative aware I wanted to update my account so that Id receive future correspondence by email. 

3. I also made the representative aware I wanted help in fixing my account due to the extreme financial and emotional situation I was in. 

So my question is : 1. WHAT DID NAVIENT CUSTOMER REPRESENTATIVE CHANGE ON MY ACCOUNT BACK IN EARLY XXXX? 

Is there not a phone record or notes of that phone call? ARENT THEY REQUIRED TO DOCUMENT PHONE CALLS BETWEEN CALLERS!!!! 

GO BACK AND LOOK AT MY ACCOUNT!!!!! 

XXXX - XXXX I WAS IN DEFAULT YES!! 

I was in default for reasons I explained. I ASKED FOR HELP!!!!!! 

And none was given. 

So I am filing this complaint against Navient for not properly handling calls, complaints, and not thoroughly investigating matters. 

DOCUMENTS ATTACHED : 1. Password Protected Document. I will provide password once contacted via email by Navient. 

2. Forbearance approval document. WITH INCORRECT ADDRESS AND AROUND XX/XX/XXXX. XXXX WHAT DID CUSTOMER REPRESENTATIVE CHANGE ON MY ACCOUNT DURING TIME PERIOD?
Consumer complaint received 2021-01-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: N.A.R., Inc. (CA)

XXXXXXXX XXXX credit card debt total of {$1400.00}. 
They were transfered to a collection company called NAR ( North American Recovery ). I recently paid the amount in full on Friday the XXXX of XXXX. I called and requested a letter of confirmation of payment made by the collection agency but they failed to do so. They told me to call the original credit company XXXXXXXX XXXX  but was asked to give NAR a call back since they were dealing with the debt collection. They took me back and forth and nothing was resolved. They failed to send me a confirmation letter confirming that I have paid the debt in full.
Consumer complaint received 2021-01-28
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: EQUIFAX, INC. (TN)

Equifax, XXXX, and XXXX has Violate My right to Privacy. They have violate the PHIUnder HIPAARules. PHI is health informationinany form, including physical records, electronic records, or spoken information. Therefore, PHI includes health records, health histories, lab test results, andmedical bills. I did not give you permission to share my treatment cost, nor do you ave a HIPAA authorization form to report my medical information. This is a direct violate of the law. 

According to 15 U.S. Code 1681 - Congressional findings and statement of purpose, ( A ) ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
According to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; According to 15 U.S. Code 1681b - Permissible purposes of consumer reports, In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 


Your agency do not have a subpoena. I have not give permission in writing to invade my privacy or assumed the inaccurate of reporting my medical information.
Consumer complaint received 2017-11-17
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. (FL)

TODAYS XXXX XXXX, XXXX SOC SEC XXXX XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : 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/XXXX/XXXX XXXXXXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX  system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX XXXX, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 


XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2017-11-17
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: Bread Financial Holdings, Inc. (FL)

XX/XX/XXXX {$100.00} charge .... XX/XX/XXXX charge provisional credit reversal {$100.00} ... .. XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$120.00} charge.. XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$100.00} charge ... XX/XX/XXXX {$100.00} charge provisional credit reversal ... XX/XX/XXXX charge provisional credit reversal {$100.00} ... XX/XX/XXXX {$100.00} provisional credit reversal. 
And theirs is more charges but this is as far I could go on my credit card website.
Consumer complaint received 2021-01-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I had previously informed you that a number of accounts were being reported on my credit report, which were not mine. I am writing again, to request that you reinvestigate these accounts, and delete them. I am identity theft victim. I do not recognize these accounts. Please note that for some of these, I believe that a relative that may have forged my name ( or used my personal information ) in order to take out these accounts without my knowledge, consent and permission. Therefore, please obtain all documents from any of these debts, and even if my signature appears on them, I ask that you review any notes, phone calls, bills of sale, and even compare my handwriting and signature, which I am certain you will see, is not mine. I would be happy to provide you with any handwriting samples you may need. Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Consumer complaint received 2019-11-25
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF THE WEST (CA)

The bank refuses to provide me any records and requests that I go into the bank to fill out forms in order to get such information. I work full time and do not have time to go into a branch. I have communicated this with the bank. 

I had a business checking account and a personal checking account with bank of the west. I use my personal checking account to pay bills through. I deposit money by check into my checking account to cover upcoming expenses. I currently have collection activity in the amount of $ 800+ in fees from bank of the west. 

What has caused this are all of the fees imposed by the bank, because it appears they intentionally withheld a check deposit. This was a check from a source that I regularly deposit from. There was no reason they could provide me on why the funds were held and it appears that they withheld the funds to collect account fees. Coincidentally, the day after the fees appeared on the account the check was cleared and my account was negatively drawn. Every member at the bank that I spoke to would not or could not provide me with any answers. In fact, the bank members told me that the deposit was received 24 hours after I went into the bank.
Consumer complaint received 2015-12-30
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (CT)

On XXXX XXXX, 2015 my American Express Bluebird prepaid card was locked and suspended, citing violation of member agreement section XXXX, with {$540.00} in deposits still in the account. After repeated calls to request my deposits be returned, AmericanExpress phone agents tell me the deposits can not be released until an investigation closes. They tell me that there is no knowledge of when this may conclude. I have waited more than 60 days for the funds. It seems that they may hold my deposited funds indefinitely.
Consumer complaint received 2021-01-27
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (TX)

I had opened a promotional account introduction offer from Citi Bank which required a deposit of {$15000.00} for 60 days into a new account when you opened a checking and savings account, in which you would receive a {$400.00} bonus. I did this in XX/XX/2020, and in early XX/XX/2020 I had reached the eligibility criteria. In XXXX I had contacted about when I would receive the bonus, and they said it would come by XXXX, and that I had met the eligibility criteria. Due to inactivity in my checking account, they had closed my checking account at the XXXX  of XXXX, though I left my initial deposit in my savings account until I received the promotion bonus. Over the course of the next few months I had contacted the bank due to no funds being provided, and they mentioned that I should be receiving it soon. In XXXX I had opened a case because I had still not received the money ( within 90 days ), and they told me there was no promotion offer. After I had called and told them that there was, they had confirmed that there was a promotion, and that I had met the eligibility criteria, even though one of my accounts were closed, and this was confirmed by multiple people. 

I have now received a letter that I am not eligible for the offer because my checking account was closed, even though I had deposited my funds in the savings account and had met the bonus criteria initially. They said I had to have both accounts open by the time the funds were 'deposited ', but that was not the initial offer, which was that you needed to have the money in the account for 60 days and then you would be able to get the bonus. There was no mention of any additional criteria of keeping both accounts open ( which I did not close the account myself, but Citi Bank closed it ). 

I had met the original bonus criteria, and I believe that I am still owned the bonus from Citi Bank because I met the original criteria that was in the promotion material when I applied. When I received the response letter they didn't even reference any material stating that I had to have the account open AFTER I had already met the criteria. Other bonuses that I have received in the past have been deposited fairly quickly after meeting the criteria, so that's what I was expecting with this bank, but apparently not, and their inaction apparently switched my bonus eligibility from yes to no.
Consumer complaint received 2021-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (OK)

I was denied credit because I have a security freeze on my account with SageStream , LLC. I did not give this company permission to place a security freeze on my file. They have no documents proving that I have ever had contact with the company.
Consumer complaint received 2023-02-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: PENTAGON FEDERAL CREDIT UNION (PA)

In XX/XX/XXXX I became aware of a fraudulent credit card opened with Pentagon Federal Credit Union. I did a dispute over the phone in XXXX, and it was not resolved. I sent a formal dispute through my identity monitoring company with a full identity theft package including proof of id, proof of address, identity theft affidavit, police report info, etc to the company on XX/XX/XXXX. On XX/XX/XXXX, when following up on the dispute, XXXX at Pen Federal stated that the representative who was working on the dispute/case no longer worked for the company and asked us to resend the dispute package again because they could not locate it. A dispute package was resent to the email they provided for XXXX XXXX XXXX We have never received confirmation that the account was being disputed under FCRA regulations. In XXXX Pen Fed started collection actions on the account although they confirmed that they saw the account in dispute. They have not sent any correspondence and are in violation of consumer rights under FDCPA and FCRA regulations.