davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-27
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: Experian Information Solutions Inc. (GA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 XXXXalance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXXXXXX Balance : {$33000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8700.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$410.00} ; XXXX XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX/ XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXX 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 XX/XX/XXXXXXXX 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.
Consumer complaint received 2022-01-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

In XXXX I took out a Parent Plus Tuition Answer Loan from Sallie Mae for my son as he was going to school. I was told this loan could be used for anything. I paid the interest while he was in school so I would not increase the principal. I noticed once the loan was transferred to Navient they capitalized and added all the payments I made to the loan increasing the balance. I contacted Navient and they said the online system was wrong and that the amount I owed was now {$10000.00} more. 
During the recession I needed assistance and they told me my only option was forbearance. 
In XXXX I filed chapter XXXX bankruptcy and this debt was included in the proceeding. All debts were discharged. However, when I called Navient they said that this was a " school '' loan and not dischargeable. I have since learned this is not true. 
A Parent Plus Loan Tuition Answer is not considered a school loan as it does not have to be used for school or can the interset be deducted like a school loan and is in fact a personal loan. This should have been discharged in XXXX. 
I am STILL paying on this loan with no relief.
Consumer complaint received 2019-08-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (UT)

On XX/XX/XXXX I deposited a check of {$1900.00} at the XXXX XXXX XXXX branch Wells Fargo. 

On XX/XX/XXXX {$400.00} of {$1900.00} was available in my account On XX/XX/XXXX remaining {$1500.00} became available in my account. 

From my understanding once the check went into my account that meant its cleared and ok to use. I did not know the bank put the money in my account without making sure the check was not going through correctly. 

On XX/XX/XXXX deposited item returned {$1900.00} leaving a balance of $ XXXX I tried to contact the bank and tell them and get help but the guy on the phone just kept blaming me over and over again and did not help at all. I lost all my rent money.
Consumer complaint received 2022-01-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (MI)

I had filed a dispute on a charge because I was scammed out of {$300.00}. I had made a purchase and I did not receive the item that I was supposed to receive. And chase told me they dont refund scams.
Consumer complaint received 2019-08-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transfinancial Companies, Inc (LA)

I have contacted Transfinacial Companies on several occasions via certified mail and regular mail requesting validation of this debt. The company responded sending me a itemized bill from the hospital however a HIPPA release form was never signed by me authorizing release of protected heath information to Transfinancial Companies. They did not send me proof of that or that they are legal business associates of the medical provider. I do not have or ever signed a contract with Transfinancial Companies and a itemized bill is not validating the debt. One can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Transfinancial Comapnies are in violation of the FCRA. I have attached the letter i sent as well as a itemized bill and Transfinacial Companies response.
Consumer complaint received 2021-01-13
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)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX XXXX, Reported : XXXX XXXX, 2020. 
As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.
Consumer complaint received 2021-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

Per Department of Education guidelines I am entitled to a refund of all money paid towards my student loan after XX/XX/XXXX of 2020 due to the pandemic and laws passed to all lenders and borrowers which suspended payments. I continued to pay unaware of this and while out of work due to the pandemic. I am still unemployed. I have requested a refund of {$650.00} that is badly needed yet Nelnet continues to give me the run around for the past 6 weeks or more. They have removed all payments made to my account for {$650.00} but have not refunded it to me. They have stated they would but not for 8 weeks with no reasons why. The money must be refunded immediately per the Department of Education in the same manner paid which was ACH draft from my savings account. They are refusing to do this as well and want to send me a check. I am not waiting 2 months for a check especially since money has already been removed from my Nelnet account. I have grown tired of their poor customer service and suspect lending practices. Now they are holding my money hostage. It's enough. Their customer service staff are rude, inconsistent and not handling this properly.
Consumer complaint received 2021-01-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

I get numerous calls from all kinds of scam companies for a debit that was satisfied in 2011 by the original debtor. The one today was a different name than yesterday but the same story. It is a robocall stating that there are multiple infractions against my name and that they are going to take legal action against me unless I settle with them. This time I pressed 1 to talk to someone to tell them they are in the wrong and the person who picked up the line said nothing about being a debt collector. They then said that I already spoke to someone, I did not, and told me to, " get off my XXXX line. '' They then hung up. The number that called me was most likely spoofed but it is, XXXX.
Consumer complaint received 2019-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

When I filed out my Income-Based Repayment ( IBR ) for 2018, I went to the student aid government website but somehow got redirected to my fedloan website. FedLoan is 1 of  my 2 loan servicer 's. I filled out my IBR on fedloan.org, instead of the federal student aid website. I had never done that before and did not realize American Education Services ( AES ) didnt get my IBR. AES also did not have the correct contact information for me, even though I have had the same telephone number for over 15 years. Once I finally realized the mistake, I filed out my IBR for AES. Usually when I fill out my IBR, my current balance decreases, or is zerod out. With my other loan servicer FedLoan it decreased b/cthey immediately applied a forbearance to the outstanding amount owed before my IBR was processed. However, AES my 2nd loan servicer never applied the forbearance and let that large amount carry over each month. I noticed it was being carried over, but in the past it has taken a few months for that decrease to show up on my bill. I also recently noticed they were charging me a {$40.00} late fee as well, even though I was making my IBR payments on time. After receiving several bills with the large balance, I just went ahead & paid it in full. In the meantime, I had been making my IBR payments on-time every month. Currently, AES has reported me to all 3 credit bureaus as being over 180 days late even though I have been making my IBR payments every month on-time. 
I sent American Education Services a letter only requesting that they change my late status to all 3 credit agencies as on-time, however they denied my request. When I looked back at my online bills I noticed the late fees AES was charging me. I believe they never applied the forbearance and have no desire to work with borrowers so they can scam more money out of people. The late fee is almost {$40.00} a month. I was being charged {$40.00} a month for 8 months even though I was making my IBR payments on time. FedLoan servicing received my IBR, applied my forbearance and I have had no issues what so ever. I'm sure if you look further into American Education Service 's business practices you will find other victims of their fraudulent, and dishonest activities.
Consumer complaint received 2019-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have reached out to Transunion and XXXX XX/XX/2019 to verify this debt and have yet to get a response as it has been passed 30 days but they have updated the balances on this account when this is a charge off and should not be reporting a balance. Theres also  several violations with the way this account is reporting as well for example both bureaus are reporting a different high balance, a different date of the opening of the account, reporting the account as not disputed, the payment statuses differ as well as the last payment dates. According to the FCRA all bureaus should be reporting the same information across the board. All of this information is inconsistent, and inaccurate.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX I recently pulled my credit report and I discovered upon viewing that the following listings below are reporting inaccurately. I have included a screenshot highlighting in yellow each violation as proof. Please delete the following immediately. 

DELETE XXXX  XXXX because of multiple inaccuracies. 1. In the Open Date sections of this listing. XXXX is reporting XX/XX/2019 for the date this account was opened. However, XXXX and Equifax is reporting that it was open on XX/XX/2019. These dates are inconsistent. 2. In the Account Status sections of this listing. XXXX is reporting that it is a closed account. However, XXXX and Equifax is reporting that this account is Open. How can this be inconsistent? Please Delete!
Consumer complaint received 2019-08-28
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. (AR)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX To XXXX, TransUnion and XXXX, DELETE XXXX XXXX   XXXX because of multiple inaccuracies. 1. In the account number sections of this listing their are 3 different account numbers reporting. TransUnion is reporting XXXX as the account number. XXXX is reporting XXXX as the account number. However XXXX is reporting XXXX. These account numbers are inconsistent. 2. In the Last Payment section of this listing. TransUnion and XXXX is reporting XX/XX/2018 for last payment made. However, XXXX   is reporting XX/XX/2018 as the last payment date made. These dates are inconsistent. 3. In the Date Opened section of this listing. XXXX and XXXX is reporting XX/XX/2018 for date the account was opened. However TransUnion is reporting XX/XX/2018. 4. This is a closed account that still is reporting current activity on it. How could this be. Dont you get your reporting from the same company? Please Delete
Consumer complaint received 2019-08-28
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: Westlake Services, LLC (FL)

I did not give your company permission to run my credit nor do you have any permissible purpose to run my credit. If you can not provide any signed documents of me giving authorization to perform this act please remove ALL inquiries from all credit bureaus youre reporting on my credit report immediately! Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to your alleged purpose for doing so since I did not apply for anything with your company. Theres no accounts tied to these inquiries on my credit profile.
Consumer complaint received 2019-08-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Portfolio recovery is damaging my credit. I do not owe ally financial any money. I already filed a claim against the car dealership and was able to get my down payment back. I returned the car less than 3 weeks because of it being defective. They are disgusting pests.
Consumer complaint received 2019-08-28
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (FL)

CALVARY SPV 1 LLC SUED MI IN COURT CASE # XXXX XXXX XXXX.THEY USE EVIDENCE PROVIDED BY XXXX XXXX . THEY COULD NOT PROOF THEIR CASE AND REQUESTED THE COURT TO DISMISS THE CASE BEFORE COURT DATE. SEE EVIDENCE ATTACH. THE CREDIT LAW STATED THAT IF FURNISHER OF CREDIT CAN'T PROOF OR VALIDATE THE ACCOUNT. THEY CAN'T REPORTED TO THE CREDIT AGENCIES. THIS IS A VIOLATION OF THE CREDIT REPORTING ACT. 

ACCOUNT NUMBER ENDING IN XXXX.
Consumer complaint received 2019-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Equifax and XXXX XXXX are reporting a collection with an incorrect balance of {$9000.00}. The high credit, balance and past due amount are all incorrect. I bought a car from XXXX and voluntarily turned this car in and it was sold at auction. I was told that I would be responsible for the remaining amount AFTER the auction price was deducted. XXXX XXXX XXXX now owns this debt and they will not give me an itemized statement showing what the balance should be. In addition, the date of last activity is far older than the 2014 date. This {$9000.00} collection is harming my score and keeping me from improving my credit. Please remove this from my report or update the correct balance. In Texas the laws are : Deficiencies In the event a car owner voluntarily returns the car to the lender, the lender is still entitled to file a lawsuit to collect any deficiencies that may result from the repossession. A deficiency is the difference between the amount the car owner owes on the car and the total amount the car actually sells for at auction. Lenders who sue car owner 's for a deficient balance after a voluntary repossession may also collect other fees associated with the repossession of the vehicle such as sale preparation costs and legal fees.
Consumer complaint received 2017-11-20
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. (CA)

I write to this credit repository last XXXX XXXX, XXXX. I have disputed two accounts, XXXX XXXX and XXXX. Both accounts have been reporting incorrect, inaccurate and incomplete information. These account has been reporting incomplete and inaccurate late payments. credit bureaus show either " no data '' or " unknown in most months in my payment history. They are also reporting " 90 days late '' without prior late?!. Account # XXXX has been removed/repaired. But account # XXXX, still reports the error violating FCRA.
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: PNC Bank N.A. (FL)

I have a XXXX balance maintained with automatic payments. The credit line is over 10 years old and secured. 
For two weeks I have been receiving automated calls with only two seconds of audio from PNC bank. Trying to log in online or call in results in a message my account access is suspended. 

Speaking to customer service only gets me directed to a physical location because the account was closed with a XXXX balance, zero transactions in six months, no notice and no authorization on my part. 

No one will explain why PNC decided to revoke my 10+ year old account, where my security deposit went, why it was closed without my consent or knowledge or how they can fix their error.
Consumer complaint received 2022-02-24
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. (AR)

Equifax is in violation of 15 USC 1681a ( 2 ) ( B ) which states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report.

Equifax is also in violation of 15 USC 1681 ( a ) ( 4 ) which states that I have a right to privacy as a consumer. My privacy has been breach because Equifax continues to report these inaccurate accounts. Which I never gave them any consent to furnish.
Consumer complaint received 2022-02-24
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: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you thatthere is no third party involved in the process. I sent letters to Equifax Credit Bureau the dateof the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX andstill nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. PLEASEUPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDITREPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2019-08-28
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Clearview Resolution Services (AZ)

phone calls from XXXX Ext. XXXX XXXX XXXX. I attempted inform his of the situation to find a resolution. However, he was horrendously rude and obnoxious. He even went as fraud to break the law by threatening me and making false claims, advising of legal action and garnishment of wages. This man clearly has no business in the field if he can not obey the law and I have listed all the laws he has broken. I am now wondering if this is a legitimate business or scam. 

XXXX XXXX XXXX FAIR DEBT COLLECTION PRACTICES ACT As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) As a public service, the staff of the Federal Trade Commission ( FTC ) has prepared the following complete text of the Fair Debt Collection Practices Act 1692-1692p.

806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 

807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.