davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ASSOCIATED BANC-CORP (WI)

My complaint is against Associated Bank. They advertised a promo that if two direct deposits were made within a certain length of time I would get a {$300.00} bonus. It has been a while since I made the second direct deposit, and I did not receive the bonus so I called the bank. I was told I could not have the bonus, because my average daily balance was below the minimum {$1000.00}. I explained that when I visited the bank I was told I did not have to maintain a minimum balance in order to get the bonus, so I withdrew my cash all but {$1.00}. I was then told they will review the matter and get back with me. I received d call from them today only for them to tell me they are denying my bonus. I feel I was misled in this, because had I not been told I didn't have to maintain a balance I would have left {$1000.00} in the account.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (AZ)

I am a student and I used my credit cards ( one with {$8300.00} limit ), in a good way, and I was always on time with the payments. All of a sudden I realized that my card doesn't work on XX/XX/2024, and I've contacted the bank about reopening my account, and they closed the 2nd credit with ( {$20000.00} ) limit on it! I was always using the card for a good way. I've only had a recent dispute for a laundry machine that wasn't working for {$12.00}. It is very unfair to have my account closed, because I have established a good credit history with Chase for about 3 years and I don't want to loose my credit as I highly care about it.
Consumer complaint received 2024-09-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CBC Companies, Inc. (MA)

It has been going on sice XXXX I have requested XXXX XXXX and innovis to help me none want to really help they say investigating issue never get to the issue and then they state its been verified with out any remarks or anything not even a written response I am run down already please help me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquirires that I did not request for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-12
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AES/PHEAA (NJ)

I have already filed a complaint regarding FEDLOAN Servicing reporting my debt TO ALL 3 CREDIT BUREAUS as 180 days late when in fact it has NEVER been late, AND the account is closed. In response to my complaint, FEDLOAN changed the reporting status to the credit bureaus from 180 days late to 120 days late which is STILL ENTIRELY INACCURATE.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX  XXXX XXXX Account Number xxxxxxxxxxxx XXXX
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl XXXX XXXX [ XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX UT XXXX XXXX Dear [ XXXXXXXX XXXX and Credit Bureaus TransUnion, XXXX and XXXX ], XXXX # XXXX I am writing to you with the purpose of requesting the removal of a " charge off '' from my credit report. I am aware that this request is unusual, but I would like you to consider my personal situation and the specific reasons that lead me to make this request. 

During the period in which the charge off occurred, I faced a number of financial and personal challenges. [ Here you can go into more detail about your situation, for example : " I lost my job due to company cutbacks, which led to serious financial difficulty. At the same time, I faced health problems that increased my medical expenses and decreased them even more my ability to meet my financial obligations. '' Since then, I have worked hard to overcome these challenges. I have secured stable employment and have taken concrete steps to improve my financial situation, such as [ you can mention specific actions, for example : " attend a personal finance management course, negotiate payment plans with my creditors, and establish a strictly controlled budget " ]. 

Additionally, I am in the process of continuing my XXXX education and have ambitions to join the fire academy. Both goals are not only crucial to my personal and professional growth, but will also allow me to contribute meaningfully to my community. However, the presence of this " charge off '' on my credit report is creating a significant barrier to achieving these goals. 

In light of the above, and based on consumer protection laws, particularly the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I respectfully request that you consider removing this " charge off " from my credit report. 

I understand that credit decisions are based on historical information, but I also believe in second chances and the power of financial redemption. I have demonstrated consistent effort and genuine commitment to improving my situation and believe that removing this negative mark would be a crucial step for my future. 

I sincerely appreciate your time and consideration in this matter. I am willing to provide any additional information that may be necessary and look forward to resolving this situation in an amicable and mutually favorable manner. 

Sincerely, [ XXXX XXXX XXXX ]
Consumer complaint received 2024-09-13
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Paypal Holdings, Inc (NJ)

This complaint is against a company, PayPal. Recently, this is a repeated issue for a prior complaint with the department of consumer affairs, filed on XX/XX/XXXX in case # XXXX. The company, PayPal did respond back to not only the department of consumer affairs but also in a phone call to me personally, which was very kind in that complaint, which was eventually was investigated by PayPal and confirmed was a scammer or a scamming email and attempt. 

Today, I received another such email from, which appears to be PayPal again as to shopping with PayPal which in the email, shows purchasing information with words such as, Transaction ID, Purchase Date of XX/XX/XXXX, Transaction Status and an amount of payment or change of {$960.00}. 

As I mentioned in prior complaint of this same apparent scam, Ive never had a PayPal account or purchase history with PayPal. I also never been a customer of PayPal or had a PayPal account or even a PayPal credit card.

I truly believe this is not PayPals fault but they are a victim as much as I am at this point. Im only filing this complaint, now for the 2nd time, as I have now received this same, similar phishing or scamming email to my personal comcast email account. 

PayPal was kind enough in last complaint that they even called me about the XXXX complaint and informed me of there investigation outcome was definitely a scam / phishing email and thanked me for reporting it just like Im reporting this recent issue I received today.

Please forward this to the business so they can continue to investigate these phishing emails I still, now for the second time, continue to receive and also for the department of consumer affairs to possibly review such scamming emails/ communications as well.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (WV)

On Thursday XXXX, at approximately XXXX I had submitted a dispute to XXXX. In Short time after checking on my credit karma app to monitor my progress of establishing my credit, I did so after I was made aware of {$590.00} worth of apparent debt was sent to collection. 
I am unaware of anything owed by me for {$590.00}. 
I am not aware, and would like to dispute against it going against my credit score as it puts a dent to it. 
I also added within my dispute as to how I had been hacked, and had to have my bank account secured and a new debit, card was established to me.
Consumer complaint received 2024-09-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Credit Acceptance, LLC (AL)

XXXX XXXX the State Attorney for N. Y died American Finance Corporation and stated they were prime lenders and preyed on poor people who suffered from their fear tactics and they had to pay the board members because they lied and lower the amount of money. 
For us poor people of alabama we have no one to fight for us who no one to fight for prime lenders practices.. I had an accident when they came to repossession of the car and I didn't get the money I should have gotten because they wouldn't let the insurance adjuster know where the car was. They did tell me I would have to pay exorbitant fees for them to look at the car and I was helpless. What was done he did remove the late payments from the credit bureau put put the balance of the car on my credit report and is keeping me from buying the house I have live in 5 years and I as a XXXX of XXXX XXXX XXXX has left me XXXX XXXX because they hold the keys and what little time I have it looks like they have the key and I'm no match for these double dealing prime lenders. It seems like poor XXXX don't stand a chance when they realize your age.
Consumer complaint received 2024-09-12
Product: Credit card — Store credit 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: CITIBANK, N.A. (MD)

I noticed an unauthorized transaction on my card. The transaction was made on XX/XX/year> in the amount of XXXX XXXXXXXX soon as I saw the transaction I reported it. The report date is XX/XX/XXXX XXXX the transaction was made in store. The report came back stating that I am responsible for the transaction. I did not authorize this transaction, and I disputed it several times more. In XXXX of the reports it stated that the decision was based on the following : When you provided ( name of person ) with your account number and expiration date, you assumed liability for any resulting charges.The name inserted there is my name. I called them and explained this to them. 
I was told it was a in store transaction and that they would look at video. They also asked me to send a copy of my state issued I, XXXX, XXXX with a police report, I sent my ID and the police XXXX 's card that includes all of his information and the report number. The last report from Home Depot, which is the card in dispute, is still stating that I provided myself with my acct number and exp. date.Therefore I assumed liability for the charges.This is not accurate. I did not authorize this transaction. I dont know if they reviewed video, that information wasnt shared with me. The video will prove it wasnt me. Whomever it was, they were not in possession of my card.
Consumer complaint received 2024-07-10
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. (IN)

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 XXXXXX/XX/year>
Consumer complaint received 2024-06-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westcreek Financial (TX)

This company is reporting a debt that is no longer outstanding after I have already informed them about it. I even submitted proof that the alleged debt is no longer outstanding with the proper legal documentation, an official copy of my XXXX form signed by the secretary of state, which proves that I have no outstanding debts. They have failed to grant my request as a federally protected consumer.
Consumer complaint received 2024-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DC)

I made timely payments on a mortgage with XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. I filed bankruptcy in XXXX  that was successful and again in XXXX  which was unsuccessful, but this obligation stopped showing up in my credit reports. 

I have made on-time auto loan payments to XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX and am still making on-time payments for this loan. This, also stopped showing up in my report.
Consumer complaint received 2023-09-01
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

For the past 6 months I have made a phone call every month, requesting my payment date be changed. My payment date was originally the XXXX of each month. I had a XXXX and went on XXXX, where I only get paid on the XXXX of each month. The credit card company told me they would change the due date to the XXXX, but I had to " unfortunately, this one time make the late payment '' to get my account up to date in order to change the payment due date. I paid the monthly payment and the late fee which totals XXXX XXXX They said two billing cycles and it would change. Each month I paid the late fee for the two billing cycles. The payment due date never changed. Each month for the past 6 months I called, I emailed, I sent letters. Each response was the same. " Pay the late fee this one time and we will initiate the payment due date change ''. 6 months later, they've taken {$310.00} dollars in late fees and charged me {$70.00} dollars interest on those fees. I've spoken to many different associates who tell me there's nothing they can do. My credit limit is only XXXXXXXX XXXX I paid XXXX XXXX  for 3 months thinking my due date was changed because I received an email stating it was, I figured I'd pay it off and close it. Not the case. They refused to close my account and they are refusing to help me any further. I can not keep continually paying them all the while nothing is changing. At this rate, I will be paying them for the rest of my life. Please help me.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NCB Management Services Inc. (MI)

I received an alert from a consumer reporting agency that a new account was added to my consumer credit report, reported XX/XX/XXXXXXXX XXXX XXXX  from NCB Management Services. A subsequent alert was sent on XX/XX/XXXX that a delinquency account was added as well from NCB Management Services. The alert on XX/XX/XXXX shows NCB Management Services as the original creditor with an open balance of {$4400.00} that was opened XX/XX/XXXX ( XXXX XXXX XXXX ) ago. The alert on XX/XX/XXXX shows, Other collection agencies with an amount delinquent amount of {$4400.00} from a creditor NCB Management Services. I have never had nor opened an account with NCB Management Services, who claims to be the original creditor of an alleged account.
Consumer complaint received 2024-09-12
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc. (FL)

XXXX transferred the debt of {$84.00} to Amsher Collections. XXXX I do not have and have not had any debt to XXXX. I had a router for home internet. I returned the router to the XXXX XXXX XXXX in XXXX XXXX. I have a document stating that the XXXX XXXX accepted the router from me.I had no debt at the time of the router 's return. The XXXX company did not notify me of any debt. I ask you to look into this situation and remove the debt from me.
Consumer complaint received 2024-09-10
Product: Credit 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: U.S. BANCORP (OR)

On XX/XX/year> I was visiting XXXX, Washington. During my visit I lost my wallet containing my drivers license, social security card and several credit cards. I became aware of my wallet missing after receiving numerous possible fraud text message alerts from US, and Key bank financial institutions. I promptly responded via text and followed up with phone calls to make inquiries regarding the alerts. I contacted US Bank customer service and was asked by a representative if I had made several purchases at numerous high end retailers. I responded that I had not. I was also asked if the credit card was in my possession, I responded, no, it was not. I had lost my wallet. The representative then told me the card would be blocked and a new one will be mailed out to me and my account would be credited for the unauthorized charges. The following day, XX/XX/year>, I filed a police report online with the XXXX Police Department detailing the events the previous day. Subsequently, I received a business letter from US Bank assuring me that an investigation has been initiated regarding the unauthorized charges on my US Bank Cash++ credit card and I will be notified if any additional information was needed. 2-3 weeks after receiving that letter from US Bank , I logged onto my online US Bank account and noticed the charges I reported as unauthorized were reversed back to my account. I immediately contacted a representative and explained the situation. I was then told by the US Bank representative that the unauthorized charges had been determined valid and the case was deemed closed. I pressed the representative why had the charges been determined valid, I was told when I initially contacted US Bank regarding the fraudulent charges, I allegedly told the representative the credit card I reported lost/stolen was in my possession at the time of the unauthorized purchases. I told the representative that I didnt say that, and to have the initial contact call culled to review the conversation. I then was told a request would be forward to a case processor to call me back in 24-48 hours. I have not been contacted thus far.
Consumer complaint received 2024-09-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc. (IL)

My name is XXXX XXXX I made a complaint through CFPB On XX/XX/year>. Id number XXXX. The response in that complaint says that the bank will issue me my funds but when I reached out to receive them, they made me wait an hour, then stopped talking to me saying they were offline. I dont like how Im being treated and I DEMAND THEY SEND ME MY MONEY. I HAVE ALREADY FOLLWED THROUGH PUBLISHING THE COMPLAINT JUST INCASE SOMETHING HAPPENED AGAIN!!! We need to solve this IMMEDIATELY!!!!
Consumer complaint received 2024-09-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (GA)

I received a letter from Aidvantage dba as Maximus Inc. yesterday on XX/XX/XXXX alleging that I owe a student loan debt that I discharged by submitting an IRS Form 1099C on XX/XX/XXXX. Also, I received confirmation from Aidvantage during that time that they received the 1099C form, however instead of processing the form and discharging the student loan debt, Aidvantage disregarded the 1099C and approved the student loan for forbearance, this is clearly fraud. The 1099C form was originally supposed to be received by the CFO of Maximus Inc. In order to be clear with this matter, I will need Aidvantage to answer the following questions : ( XXXX ) According to the alleged loan agreement was Aidvantage involved in the alleged loan to lend their money as adequate consideration to purchase the promissory note from me? YES or NO. ( XXXX ) Did Aidvantage involved in the alleged loan follow GAAP? YES or NO. ( XXXX ) Was it the intent of the alleged loan agreement that the one who funded the loan is to be repaid the money? YES or NO. ( XXXX ) According to the alleged loan agreement was the alleged borrower to provide anything of value that Aidvantage would use to give value to the promissory note in approximately the amount of the alleged loan? YES or NO. ( XXXX ) According to the bookkeeping entries of Aidvantage in the alleged loan, did Aidvantage involved in the alleged student loan lend their money as adequate consideration lent to purchase the promissory note from me? YES or NO. ( XXXX ) Are the economics of the alleged loan similar to stealing, counterfeiting and swindling against the borrower? YES or NO. ( XXXX ) According to the alleged loan agreement was the alleged borrower to lend the borrower 's promissory note to another party such as Aidvantage? YES or NO. If you refuse to answer these questions with detailed specifics answers, I will presume that there is concealment of material facts and that the promissory note has been altered or stolen and that I provided the money that Aidvantage claims was lent to me. If you refuse to answer these questions, then please return a XXXX balance and return the promissory note. All rights reserved.