davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-23
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

I have sent a certified mail return receipt direct dispute under FCRA 623 to Bank of America based on disputes of the original date of first delinquency and outstanding balance they are reporting to all three credit reporting agencies. This was after they have repeatedly confirmed invalid data during my disputes to each credit reporting agency. This was received and confirmed by the USPS on XXXX/XXXX/2015. 

Ultimately, it has been over 60 days since I sent my direct dispute to Bank of America 's registered agent and there has been no response. Their failure to respond and continued incorrect reporting is an FCRA violation.
Consumer complaint received 2024-10-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MN)

On XX/XX/year>. XXXX XXXX XXXX XXXX # XXXX is suing me for a debt that I do not owe. XXXX XXXX indicated I requested a credit card, which I did not requested. XXXX XXXX stated that I have a contract and agreement, which were none sense. XXXX XXXX has violating multiple United Stated Code ( U.S.C ) under Consumer Credit Protection Act 15 U.S.C chapter 41 subchapter V section 1692 thru section 1692n. Furthermore, XXXX XXXX also has violating Federal Code of Regulation ( CFR ) Title 12 Chapter X ( Consumer Financial Protection Bureau ) part 1006 subpart B ( Rules for FDCPA Debt Collectors ) 1006.6 thru 1006.42. XXXX XXXX also has violating State of Minnesota Constitution ARTICLE VI JUDICIARY - " Sec. 4. Judicial districts ; district judges.The number and boundaries of judicial districts shall be established in the manner provided by law but the office of a district judge shall not be abolished during his term. There shall be two or more district judges in each district. Each judge of the district court in any district shall be a resident of that district at the time of his selection and during his continuance in office. XXXX XXXX willfully and purposefully bringing lawsuits to a wrong jurisdiction after had been notified that I have never resided in XXXX nor XXXX Counties. XXXX XXXX is intelligently and criminally switching difference counties in with communication to confusing me in correspondence with the purpose of obtain a default judgement. In fact, XXXX XXXX has shown intentional, and willful in code ( XXXX ) breaking, and disrespecting of due process of law and equal protection under law.
Consumer complaint received 2015-10-21
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (MS)

Rush card shut down are glitch been almost 2 weeks still ca n't access my money they block my old card I had to pay {$30.00} for a replacement card that was ship over night card arrive today an still ca n't activate to have access to my money it 's so many complaints balances wrong on account no help they said d m them on XXXX an community @ Rushcard no feed back are card they are ripping us off been with the company for years an this sad so many people are loosing everything due to this so call glitch are computer hack an XXXX XXXX seems not to care claiming they are working XXXX to address this issue this been going on for almost 2 weeks I need my hard working money can you guys help
Consumer complaint received 2016-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services (WA)

In XXXX, XXXX, my bank account had fraudulent charges and I needed to place a block on my account to prevent a company from withdrawing information from my checking account directly. My bank accidentally blocked my automated payments from my student loan company. As a result, it took over XXXX months to figure out the error and get everything sorted. During this time, I was calling my student loan company repeatedly, trying to process payments monthly through the online system, and receiving payment confirmations via email for each payment I submitted. When I called ACS to try and resolve why I was receiving payment confirmations, and the amount was not being withdrawn from my checking, I was receiving little information from their customer service team. I WAS NEVER informed that the payments were being rejected by my bank! I had to figure that out on my own, after several attempts to make monthly payments online. Once I figured out the issue, and a regular monthly payment went through and credited correctly, I paid the retro-active amount due for the past 4 months at one time, resulting in bringing my account current in XXXX, XXXX. I have requested repeatedly for ACS to clear the late payments from credit reports as a result of this error and I am met with indignance, snide comments and accusations that the lack of monthly payments was my fault along with the claims that they " attempted '' to contact me via mail and phone regarding the issue. No attempt to contact me has been proven on their part by phone, mail or email. The only contact I have is by email, in the form of a processed payment receipt each month from ACS. In fact, I called them each month trying to resolve and figure out what the issue is with my account. This company has hurt my credit report as a result, and refuses to correct their issue or address my concerns as a consumer regarding the lack of proper communication to me concerning my account.
Consumer complaint received 2023-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

there are XXXX inquires on my credit profile that i do not recognize, i have contacted transunion 4 times now about it and it still is showing on my profile. these inquiries are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX  I never attempted to get these accounts.
Consumer complaint received 2016-09-25
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 have been paying my loan regularly, no late payments, for over a year. Decided to start paying on principal. Had made full payment a couple days prior, on time, and made a second payment, including " special instructions '' as instructed. I was told only a portion would go to principal, the rest to late fees and interest. I do n't have late fees, but they had given me one! 
I sent the complaint below, but would like to say that Navient is horrible ... .always. I can rarely understand the representatives, email response is slow and reflects little to no attention to the actual complaint/query. They make a fortune. Why ca n't we have decent service?!!! 
Here is my complaint to them : I received a shocking reply to my email and have looked at how you posted my payment with special instructions. I see you included a late fee. PLEASE REMOVE. I had already made the payment for the month, on time, and it registered a couple days earlier. This was to be applied to the PRINCIPAL, as I have been told we can do. The interest for the month was also made in the payment $ XXXX monthly payment made a couple days earlier. Either your processing personnel are inept or you are employing predatory practices. I should be able to pay on my principal. Anything else is usury, as well as false advertising on your part. PLEASE AMEND THE SPECIAL INSTRUCTION PAYMENT IMMEDIATELY.
Consumer complaint received 2016-12-08
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JLB CORPORATION (KS)

I received a mail advertisement from this mortgage company and it does not contain the required non-solicitation opt-out information. Also, I am on the non-solicitation list and just renewed 6 months ago. They are illegally using lists that contain people who have opted out of mail advertising.
Consumer complaint received 2016-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services (CA)

ACS education services is applying all my extra payments towards my loan balance towards the interest of future payments. They are not allowing me to choose which loan disbursement my extra loan principle payments are applied to. I would like to apply the extra principle payment towards the disbursements with the highest interest rates. I do not trust their interest and principle calculations and the amount put towards interest differs every month outside of a normal amortization schedule.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

I've been a victim of identity theft. I have noticed some unauthorized accounts on my credit report by way of violation of my rights with HIPAA. Both the XXXXx Data Breach oXXXX XXXX  and XXXX XXXX XXXX, have breached my information. I need these fraudulent accounts removed immediately, or I will be suing each company listed along with the original creditors. This is also harming my chances at an apartment lease or buying a home.
Consumer complaint received 2017-03-18
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (IL)

Navient has not been helpful at all in my repayment. I was laid off and now I work with a XXXX that has n't been able to pay me for 2 months. I no longer receive unemployment so it has been really hard. I spoke with a representative at Navient and the lady was so inconsiderate like she just focused on a script. I informed the lady that she woke me up and all she said was when can you make a payment. Then she informed me that if I do n't make a payment I will continue to get calls and will my co-signers. I informed the lady that my grandfather who was a co-signer passed away even before I graduated in 2010. She then asked me to provide the death certificate, I said really?! It was a shock being asked that. I wish the repayment was as helpful as XXXX. I was able to do repayment based on my income, without a struggle and irritating phone calls for my federal loans.
Consumer complaint received 2024-10-29
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: Experian Information Solutions Inc. (NY)

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 
In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified this items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifi
able proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am disputing the inclusion of incorrect personal information on my credit report. The details listed below are not related to me, and I have no connection to them. I request the prompt removal of this inaccurate information from my credit report. 

XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX, XXXX
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2016-06-20
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Nelnet, Inc. (IL)

NelNet continues to practice inconsistent customer service and other inconsistent lending practices. Since the inception of my student loan in XXXX XXXX, I was informed for first time in XXXX XXXX that credit card is an acceptable method of payment by customer service representatives. I have called in, talked to a representative, and made one-time lump payments of {$4000.00} on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I attempted to make the same transaction and was denied. However, the same transaction was approved 3 times previously. I was informed they can not accept a " debt for debt payment '' as per SSA guidelines. I was told if I were to file bankruptcy, and made credit card payments it would dissolve that portion of the student debt as it has been offset by potential credit card debt. Further, I was informed I can not make a credit payment in excess of monthly payment amount. The payment amount is an arbitrary allocation of cost. Based on those grounds, if I requested a revised payment schedule based on a different payback period, I could simply work around the method outlined by the representative. I am not in acknowledgment of any modifications to my loan which revokes this privilege. Payment is payment and it should not be determined by the lender of which form of payment is " more credible ''.
Consumer complaint received 2023-06-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (SC)

On XX/XX/XXXX I tried to use my debit card and it said declined which was embarrassing and I had a line behind me at the store so I went to my car and checked my email I see that chime sent to me a email stating that they were closing my account because of some violation terms which isnt true I have had that card sense XXXX and only paid bills from and received direct deposits or send money to family members
Consumer complaint received 2016-08-03
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (MI)

Stillman Law Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX on behalf of XXXX XXXX XXXX filed a case against me on XXXX/XXXX/XXXX with the XXXX district court, case # XXXX which was dismissed XXXX/XXXX/XXXX for non-service. A subsequent case was filed by XXXX on XXXX/XXXX/XXXX case # XXXX this case was also filed at the XXXX district court in Michigan. 

The court ledger states that on XXXX/XXXX/XXXX I was " personally served '' at an address that I had not lived at in at least 3 years. A default judgement against XXXX/XXXX/XXXX me was entered because I was not personally served and did not arrive to court. I had no knowledge of the court date. Ironically, the initial case filed by Stillman, # XXXX was sent to the address I moved to from the address listed in case # XXXX. The judgement was for a writ of income tax not wages. On XXXX/XXXX/XXXX a writ of periodic garnishment was entered. I still at this time had no knowledge of this or given proper notice of this case for 9 years. On XXXX/XXXX/XXXX, after my initial notification of the garnishment from my employer, I filed an objection to garnishment with the XXXX district court. I was also granted a hearing. Stillman Law acknowledged the objection with a letter to the court on XXXX/XXXX/XXXX. The court date for the ojection hearing was XXXX/XXXX/XXXX. I traveled from my home XXXX miles away for the hearing only to find that Stillman entered a satisfaction on XXXX/XXXX/XXXX and my money was sent to them. During the hearing I was the only party to show up and was granted an objection to garnishment. The court papers stated my money should be released to me immediately. I called Stillman law to inquire on getting my money returned. I was advised somebody would call me back and have not received any communication. Stillman in fact was overpaid and collected monies from my Michigan state income tax and my wages.
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

This {$100.00} XXXX bill, I have no idea where it came from, I dont see my name on it anywhere, it is really effecting, my credit, I need it removed. Please contact me XXXX XXXX XXXX - I am trying my best to clear up my credit. I will Pay the {$100.00} if I have to, but this needs to be resolved immediately
Consumer complaint received 2023-09-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (MD)

My daughter was given an {$20.00} AmEx gift card for her birthday. Unfortunately every place that we have tried to use it has been declined. I tried contact their toll free number but was disconnected. After searching online I see multiple XXXX posts with this same issue. If these cards are not able to be used in large stores like XXXX, XXXX or online retailers then they should no longer offer them. A purchase for XXXX was recently declined. It appears that their customer service just tell customers to try a different retailer which is ridiculous. Can we just get a refund for {$20.00} since we can't seem to use it anywhere. Below is a link to the subreddit where people have discussed similar problems. 
XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (WI)

Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.
Consumer complaint received 2015-04-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

In XXXX of last year I opened a new account with a requisite {$50000.00} to take advantage of the promotion that the customer service person mentioned to me ( while I was in the bank on another matter ). I did open a new account and brought {$50000.00} 'new ' money into it ( broke it out of another very good paying interest account with a credit union ) .The promotion indicated that I would receive a bonus {$400.00} after three months of 'new ' money in a new account. 
In XXXX of this year I called customer service asking when that bonus would be available, having left the deposit untouched since XXXX. I was told ( by a very pleasant gentleman, XXXX ) that it appeared that my account had been deposited into another promotion that was running simultaneously and that would yield additional interest, but no {$400.00} bonus. I told him that I had even confirmed this bonus program with the ad in the local newspaper and XXXX said that of course Citi would make good on its commitment and I would receive the bonus. He said that he had spoken with his supervisor and that person would call me within the hour. No one called. 
In the morning, I received a SECURE message. XXXX that needed a special password to open - no password was sent to me. So I called again and spoke with another very pleasant gentleman, XXXX. XXXX researched my situation and again confirmed that Citi would make good on the commitment. The secure message indicated that I would receive {$23.00} as additional interest, but no bonus. XXXX actually deposited the remaining {$370.00} to my account to make the {$400.00} bonus. I was very pleased. 
The next morning I received yet another SECURE message, this XXXX indicated that the original {$23.00} was correct and then the {$370.00} was whisked out of my account. I called back very disappointed, spoke to several people in the XXXX XXXX call center until I finally got back to XXXX. He said that he had exhausted all of his avenues and I would need to go to the branch where I originally made the transaction and speak with them. 
I did that - the manager is no longer there, the customer service representative is no longer there. The representative that tried to help me was told that there were XXXX promotions going on at the same time and I was enrolled in the extra interest XXXX, not the bonus XXXX ( heard that from both XXXX and XXXX ). Note that I was unaware of the extra interest promotion at the time I was told to bring in new money for the bonus promotion. All of the people I spoke with told me that Citi would correct the error and make good on the commitment - although not XXXX has been able to do so.
Consumer complaint received 2015-07-17
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

On XXXX XXXX 2015, I was visiting XXXX ( XXXX ). I took a taxicab there, from the center of the city to my hotel. This should have cost not more than {$20.00}. The taxi driver insisted that I pay by credit card, took my credit card and returned it to me. I did not sign anything. Shortly thereafter I was told that the driver had in fact charged {$510.00} for the ride. 
On the very same day I called the credit card company ( Barclaycard from Barclays Bank Delaware ) to complain. 
They said that they would look into the matter and would let me know. Three months later, ( as of XXXX XXXX ) they are still charging me for it. They claim that they talked to the merchant and he insisted that it was a legitimate charge, and that they can therefore do nothing about it. They sent me a copy of the voucher, with a signature that looks nothing like mine. 
I have talked to the people at Barclaysbank Delaware at least XXXX times. They always say that they will look into it, but never do anything about it. I have sent them a handwritten letter, but they do nothing about it. 
I want everyone to know about this. These people would rather take the word of some taxi driver in XXXX than mine.