davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (LA)

card reinstatement however, for that we assess a {$25.00} reinstatement fee for all Consumer and Business products that qualify for reinstatement ( approved ) from a derogatory status. 
XXXX - XXXX XXXX  I am not sure what that means American express ... processed an auto draft Instead of drafting the min.balance they drafted below the minimum and accessed a {$40.00} late fee. I thought that was unfair ..because they often write and tell me with my low balances they won't accept any auto payment ... XXXX account ending in XXXX .... They adjust the payment all the time ... except when it is to their advantage ... American Express ...
Consumer complaint received 2021-07-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (TX)

I am a member of Navy Federal Credit Union and have been for 10 years. A member transferred money into my account and reverse the money. Navy states that I was the one who initiated the transfer and I gave the member my access number she did not provide me with hers. They are closing my account. I have several accounts with navy and I want to resume my business relationship with navy. They stated they have a voice recognition but did not provide me the evidence.
Consumer complaint received 2021-07-19
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: WAKEFIELD & ASSOCIATES, INC. (AZ)

I was injected and forced to take mind altering drugs for a disorder I do not have. I and my wife told doctor Hand this to no avail. This was malpractice with out question. 
The XXXX XXXX XXXX and WAKEFIELD AND ASSOC were notified of this error. Now this is on my credit report WAKEFIELD AND ASSOC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX ( XXXX ) XXXX Placed for XXXXResponsibility : Individual AccountAccount Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : $ XXXXXXXXDate Updated:XXXXOriginal Amount : {$210.00} Original Creditor : XXXX XXXX XXXX Pay Status : >In Collection< Remarks : Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/2026
Consumer complaint received 2021-07-19
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. (VA)

I have sent multiple disputes in regarding misleading/inaccurate items on my report. I recently found out my information was compromised in the XXXX data breach. Now more than ever I feel my information has fallen into the wrong hands. After doing extensive research I saw it is illegal per FCRA Section 807 to report inaccurate items. Im reaching out to hopefully get a repose this time. It has been over 60 days with no response regarding this invalid items.
Consumer complaint received 2021-07-19
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. (GA)

I reviewed a current copy of my credit report and show inaccuarte or incompleted information listed to my report. I have been working hard to have my report show complete and accurate information and it has not be easy. I have sent numberous letters to the credit bureaus with no assistance to get account verified or removed and I have be unsuccessful. Finally, I sent an FTC report and item have been removed which corrected my report to show factual information. As of today, I see there has been a reinsertation on my credit report from XXXX XXXX XXXX and I never received a reinseration letter per the Law of FCRA reinsertation act. Please delete account listed below due to direct violation of FCRA. 

XXXX XXXX Account Number XXXX Balance {$4500.00} XXXX XXXX Account Number XXXX Balance {$0.00} XXXX XXXX Account Number XXXX Balance {$3400.00} XXXX XXXX Account Number XXXX Balance {$16000.00}
Consumer complaint received 2021-07-19
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: Upstart Holdings, Inc. (TX)

Upstart Networks , Inc. is violating FCRA regulations by reporting fraudulent information on my credit. As per their request, I have sent them police reports, court documents & FTC affidavits documenting bona-fide ID Theft/ Fraud however they have failed to remove my account as other creditors involved have already done which has lowered my credit score by over XXXX points. 

Upstart Network , Inc. can not provide proper validation that is required by federal and Texas state law in order to credit report. They can not provide me with any original credit application or signed loan contract with my original signature displaying that I borrowed money or applied to borrow from them which is a strict violation of FCRA. All they can provide is online documentation with a computer generated signature -- nothing that connects the debt to me legally by original signature as strictly required by Texas Finance code. 

As per federal and state law credit reporting agencies must remove any information from a consumer credit report that can not be properly validated OR IS DEEMED FRAUDULENT.
Consumer complaint received 2023-08-24
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. (FL)

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. 

DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX XXXX, DEPTEDXXXX  XXXX, DEPTEDXXXX XXXX 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 a
gency 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 2021-07-19
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (LA)

We have had a Wells Fargo home loan that was in good standing for over 20 years. We pay electronically or via telephone and never review our statement. Our loan is at a 7 % interest rate and although we should have, we did not refinance our loan knowing that it would be paid off XX/XX/XXXX therefore, we always paid whatever the payment computer screen or telephone prompt said to pay. In early XX/XX/XXXX our loan was transferred to a different servicer and we received a statement to review for corrections. We immediately noticed that the maturity date had been extended to XX/XX/XXXX and reached out to both Wells Fargo and XXXX via telephone. After multiple telephone attempts, we sent a certified letter to XXXX which took them almost a month to respond. They submitted a Wells Fargo doc dated XX/XX/XXXX that we have never seen before nor did we sign that extended our loan until XX/XX/XXXX. We asked for correspondence and an account statement and were told that we would have to go to Wells Fargo. When we went to Wells Fargo they stated that they did not have any information surrounding that modification agreement and referred us back to XXXX. We have everything well documented should you need that information. Our loan # with Wells Fargo was # XXXX and our XXXX Loan # is XXXX
Consumer complaint received 2018-06-16
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. (NY)

please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now
Consumer complaint received 2018-06-16
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: JPMORGAN CHASE & CO. (NY)

please remove before my XXXX XXXX reprimands me in addition this is not mine years ago before leaving XXXX NY I lost my wallet I was away in another country so I woundnt know of this until now
Consumer complaint received 2018-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AR)

On XX/XX/XXXX, I reported a hit and run to the XXXX XXXX ( XXXX ), policy number. The accident occurred while my car was parked at the trailhead in XXXX XXXX, OR. I was not present this, the accident was ruled at no fault to me. 

On XX/XX/XXXX, I contacted XXXX XXXX for an auto insurance quote. XXXX XXXX provide a quote based on what they claim is a listing on Lexis Nexus of an at fault accident occurring on XX/XX/XXXX. I contacted the XXXX XXXX XXXX demanding to know why the accident was reported as my fault. Supervisor XXXX stated Lexis Nexus is misreporting as I have no at fault accidents in my driving history. 

Not only is Lexus Nexus misreporting the accident, they list over a dozen aka fir ne and an address of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX. I have never used aka or this address. I contacted my creditors and none have reported this address. Lexis Nexus is allegedly committing fraud. 

I was a victim of identity theft. I was arrested for this woman 's warrant as she used my driver 's license during an arrest which merged our data. Fingerprints were compared an I was released on the warrant as mistaken identity. Lexis Nexus has dozens of arrests that do not belong to me. XXXX, XXXX, XXXX. They report 22 aliases which are not mine. 85 % respectively, of their profile regarding my life is alleged fraud. 

I have sent dozens of letters to Lexis Nexus demanding correction of the false data, to no avail.
Consumer complaint received 2018-06-16
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

I had an auto loan with XXXX XXXX XXXX for over a period of 1 year. in XX/XX/2017 my vehicle was stolen. My insurance company paid the car off at whicj it left a XXXX balance on the vehicle. I was told by this company that since i did not have gap coverage hat I could set up a payment plan with them until i purchased another vehicle and i could renegotiate the payment terms. I was told that! could pay {$100.00} per month to preserve my perfect payment history with them and at that time moving forward they would not put any past due or late payments on my credit reports. Well after i made my first {$100.00} payment, 30 days later I was marked with a 30 day late on my credit reports. I called and talked to several customer service reps to no avail. I was only told then that " why would I think that I could preserve a perfect payment history by only paying {$100.00} on a {$380.00} car note. I told them once more I dont even have the car it was stolen and never recovered and i just wanted to make some type of payment arrangements to pay this balance however I cant afford to pay {$380.00} and also a new car note too and I was told they couldnt help me
Consumer complaint received 2019-11-08
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. (NV)

I sent a letter ( XX/XX/2019 ) to ask and get a explanation as to why certain items are reporting on my credit report and also to see if Trans Union is even in compliance with federal and state law to be reporting in accurate information in regards to my credit report!
Consumer complaint received 2019-11-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (TX)

We began repaying student loans with original balance of {$25000.00} in XXXX of XXXX. Payments were set up on bill pay at {$150.00} per month which was paid on the 15th of every month through current. We received a past due notice of 60 days and immediately called to discover the loan was on a graduated plan where it last increased XX/XX/XXXX and we were not sent notice by mail until now 18 months later. Calls to customer service representative said it was our responsibility to login and monitor the account online ... We also discovered they have been allocating money from the $ XXXX  monthly payments towards late fees since XX/XX/XXXX and we still have late fees due close to {$300.00}. Further, looking at repayment balances after making payments every month for over 6.5 years ... the outstanding loan balance is {$30000.00} due to capitalized interest! We understand if we missed or did not understand the graduated loan step-up in XX/XX/XXXX from {$150.00} to {$170.00} per month, but there are four significant issues that constitute predatory lending : 1. We should have received notice by mail of escalated payment due before XX/XX/XXXX ; 2. We should have been notified by mail of every late fee/ short payment that happened to give us the ability to correct the issue immediately ; 3. We understand amortizing loans and have been paying back the student loan in good faith for 6.5 years which should have reduced the principal balance from the original loan amount. For this we have not received an explanation from Nelnet for the capitalized interest other than to refer us to the promissory note. They have not provided us with a promissory note to review nor do they have online where we can review ; 4. My personal credit score has been impacted for past due loans without notice. I have always paid accounts as due and it is easy to document we thought we were paying as agreed in this case. I have no issue repaying the loan with reasonable interest, but can not comprehend the additional fees and credit damage without contact by mail and compounded further by capitalized interest in excess of {$6000.00}. 

There are significant disconnects with common loan practices at Nelnet and with their communication to clients.
Consumer complaint received 2018-06-16
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. (MO)

In college I lost my wallet, where as obviously I became a victim of fraud, when trying to report it, I was told that they were too busy fighting real crime. However, I did not pound on it until I checked my credit report. I have un- identified items on my report. The following are in dispute as of now, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX, according to the FCRA law, these items shall be removed if the consumer like myself is not provided with physical documentation. Not just the credit agencies, I have the right to view any physical verification as well.
Consumer complaint received 2019-11-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (LA)

RECEIVABLE RECOVERY is reporting a debt that I do not owe them to all three credit reporting agencies. I have asked for verification that I owe them and they have failed to do so despite continuous requests and challenges. 
act # XXXX
Consumer complaint received 2018-06-16
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (KS)

I have XXXX XXXX, so I check my credit frequently just to make sure nothing is going on that shouldn't be. I was in college for years, I have several loans. For about the last year, maybe a little longer, Navient is taking whole loans off my credit, and putting them right back on the next month. It will be fine for a month, then they do it again. My score is effected when they do this nonsense!
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Michael & Associates, PC (CA)

This company ( Michael and Associates, PC ), They continue to harass me about an alleged debt that was a result of fraud and identity theft. I gave them a copy of a police report as well as a notarized and sworn statement. They still are attempting to file false claims after they got everything that they needed from me. This is illegal and against the FCRA and also the truth in lending act. They need to be stopped.
Consumer complaint received 2018-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

Today ( XX/XX/2018 ) I was trying to purchase tickets for a concert on XXXX and I got scammed twice. Both scammers requested I sent money through XXXX.

1st payment to 1st scammer was {$100.00} ( for one ticket ). I have a phone number and email address.

2nd payment to 2nd scammer was {$300.00} ( for two tickets ). I have a phone number, email address, and Driver 's License.

Wells Fargo uses XXXX   so I thought I was protected and this was a trusted platform. Unfortunately I didn't receive any tickets from both scammers and Wells Fargo refused to help but recommended that I file a police report, which I did and I have the case number. I also emailed XXXX support but I don't expect to get any help from them based on what I was reading. I also filed a complaint with XXXX.

Can I be advised on what consumer protection I have in regards to this matter?
Consumer complaint received 2018-06-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX, XXXX XXXX EST, XX/XX/XXXX Paypal decided to permanently limit my account and intern withhold the money in said account, a sum of {$11000.00} USD for 180 days ( {$10000.00} of which would have been available for withdrawal under regular circumstances and {$900.00} of which would have been withheld until XX/XX/XXXX, latest, given the aforementioned limitation was not in place ) Contact was made with PayPal via their customer service telephone contact number XXXX XXXX XXXX XXXX XXXX approximately 38 minutes ( XXXX XXXX EST ) after an email re. the limitation was received, in an attempt to resolve the situation. The customer representative who identified themselve as XXXX   notified me that : ( After 127 digital goods transactions, 3 of which resulted in chargebacks issued by the buyer through their financial institution ) Paypal has decided that my social media XXXX business is too risky ( though Ive cooperated in all events by issuing refunds within 72 hours, in most cases within 24 hours ) The representative was unable to provide any sort of resolution and transferred me to the supervisor present for that day whom was also unable to provide any sort of resolution and notified me that there was no one above her who would be able to do so.

Paypal has since decided to continue to withhold my money in its entirety for the aforementioned period and has refused to allow me to withdraw any of it within a reasonable time period.
Consumer complaint received 2018-06-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (MO)

see complaint number XXXX  THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST : THIS IS A QUALIFIED WRITTEN REQUEST QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR QWR 1 ) PLEASE PROVIDE ALL PAYMENT HISTORY FROM INCEPTION OF LOAN TO PRESENT Previous history sent starts with page 1 XX/XX/XXXX, which is incorrect 2 ) PLEASE PROVIDE HUD 1 SETTLEMENT STATEMENT FOR THE CLOSING OF THIS LOAN not included in documents sent 3 ) PLEASE PROVIDE ALL CLOSING DOCUMENTS IN LEGIBLE FORM, previous documents not clear not readable MISSING DOCUMENTS 4 ) PLEASE PROVIDE NAMES OF ALL INDIVIDUALS INVOLVED IN PROCESSING AND CLOSING OF LOAN AND LOCATION 5 ) PLEASE EXPLAIN IN WRITING HOW ALL FUNDS RECEIVED TO BRING LOAN CURRENT XX/XX/XXXX WERE APPLIED, THIS INCLUDES LATE FEES, ATTORNEY FEES, BPO, INSPECTIONS AND ANY AND ALL OTHER FEES PAID, LISTING ATTORNEYS AND FIRMS 6 ) PLEASE TAKE NOTE OF ATTACHMENT DOJ V WELLS FARGO HOME MORTGAGE 7 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING FROM DOCUMENT THAT SHOW THAT WFHM HAD NOTHING TO DO WITH SELECTION OF HOMEOWNERS AND LOANS 8 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW ELIGIBILITY FOR THIS LOAN AND HOMEOWNER 9 ) PLEASE PROVIDE ALL SECTIONS AND PARTS IN WRITING THAT SHOW INELIGIBILITY FOR THIS LOAN.
Consumer complaint received 2019-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have two auto accounts that XXXX XXXX XXXX XXXX claims to have closed in default. The one in dispute was closed on XX/XX/2014 with an outstanding balance of {$300.00}, which I later combined with another payment paying the other auto current at that time. They applied the payment to the other account, but apparently did not show the other account paid in full.