davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looked at my credit report today on XX/XX/year> and noticed that some things were not accurate pertaining to my XXXX XXXX account, including : Original Creditor, Status, Status Updated, Balance Updated, Past Due Amount, and Payment History Check attachments below. 

XXXX XXXX is not reporting complete and accurate information to all XXXX of the credit bureaus.
Consumer complaint received 2024-06-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Diverse Funding Associates LLC (FL)

My name is XXXX XXXX, I filed an arbitration against DNF Associates LLC., however, I have received a notice from the XXXX XXXX XXXX XXXX informing me that DNF Associates LLC. , failed to comply with the XXXX policies regarding consumer claims, out of compliance and therefore XXXX can not process any arbitrations with DNF Associates LLC XXXX This means they are not only in breach of contract with me but with every other account, DNF Associates LLC is servicing. I am requesting the Consumer Financial Protection Bureau launch a class action against DNF Associates LLC, on behalf of all other consumers. This company is in breach of contract and failed to comply with the arbitration provision on the debt they are collecting
Consumer complaint received 2023-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (OH)

Previously, I had a KeyPrivledge account with KeyBank. I moved to a different bank and requested that the account was to be closed on XX/XX/2022. Instead, KeyBank decided not to acknowledge my repeated request to close the account. Therefore, they continued to debit {$50.00} per month for XXXX, XXXX, XXXX, and XXXX of this year ( XXXX ), which has cost me a total of {$200.00} in fees. 

In late XXXX, KeyBank closed the account, charged two service fees of {$50.00} ( XXXX, XXXX ), totaling {$100.00}, and sent the account to XXXX XXXX XXXX for collections. Additionally, I'm sure, to XXXX XXXX  and XXXX. 

This whole thing is a complete absurdity, and Key, you have lost me as a customer for life over this.
Consumer complaint received 2024-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.
Consumer complaint received 2024-05-31
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (CA)

I moved out of the XXXX XXXX in XXXX, Texas in 2022. I sent written notice via email that I was moving out within their requested period of time. 

I did not receive further communication about any debt from them or the company they sent to collections until I saw my credit score affected.

I disputed it, was contacted by the property manager at the time of the apartment complex and worked out that the debt was wrong and she agreed. It has still not been removed from my credit score and I still don't have any itemized list of issues or why I owe anything after almost 2 years.
Consumer complaint received 2023-12-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

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 2024-05-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NV)

Im due a refund for all payments made to XXXX XXXX XXXXXXXX per the terms of sweet vs cardona. The dept of Education has yet to process my refund through Navient, the service provider.
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I spoke with the company in XXXX and was told they could not reduce my payment or interest rate ( $ XXXX month @ 14 % interest ). I made a complaint on this website Complaint # XXXX and navient responded I was offered a {$200.00} a month payment. Since then the company denied they responded this information despite documentation. I also requested my original loan balances and information on where each loan came from and have yet to be provided with this information. This is due to my total balance increasing almost XXXX in a few months. I also asked options for lump sum payments and was not provided that information either.
Consumer complaint received 2024-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (CA)

I already submitted one complaint : " I've had multiple problems with Mohela as a loan service provider. They are transitioning direct federal loans to a new online platform. During this process they cut off access to my online account so that I couldn't make payments. Additionally, auto payment stopped working so my account was put into late payment but I was unable to make a payment. I had to call their customer service number to find out that I had to make a new account on their new website ( mohela.studentaid.gov ). They never communicated this to me or even told me what the new website was prior to me calling. Since then I've tried to set up autopayment multiple times. It has never worked. It has missed multiple payments without notifying me until the payment is late. This has happened three times now. I've tried calling them about this to see what the problem is only to be told that it was being blocked by my bank ( it wasn't, I checked ) or that something " hadn't been transitioned correctly '' and I'd need to re-enroll in autopayment. This is now the third time I've re-enrolled in their autopayment system which has not worked at all for the last 8 months. Additionally they over credited my account for an extra payment I never made. I tried to get them to correct this and at first they said it must have been a double payment due to autopayment! This was immediately after telling me that autopayment isn't working for some unknown reason and I'd need to re-enroll. Completely absurd. This company is absolutely ridiculous. Completely incompetent at best. But I guess I'm a captive consumer since I have no choice about who administers these loans without reconsilicating and paying a higher interest rate. They have no incentive to XXXX XXXX XXXXXXXX so why would they? '' Their website now says I'm enrolled for auto payment ( we will see if this actually works or not, I don't have high hopes ) However, they still have not fixed the issue with the over credit on my online account. I already talked to them on the phone about this ( where they admitted that it was a mistake and could see the correct amount on their backend ). This is now causing additional problems since they have lowered my monthly payment due to the incorrect overpayment amount. This will be a problem if the auto-payment starts working since it will under pay the loans. This is beyond completely ridiculous. I've never seen this level of blatant incompetence.
Consumer complaint received 2024-05-30
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I was scammed on XX/XX/year> and after I realized that I was being scammed I immediately called PayPal and told them to freeze my account because I was scammed. They reassured me that no transaction would go through. I also called my financial institutions and filed a police report. I have been back and forth with PayPal and provided them with the police report that I was in fact scammed and today I received an email from them that I am now in collections.
Consumer complaint received 2022-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (WI)

I have a negative balance on this card of over {$5000.00} beginning XX/XX/XXXX. On XX/XX/22 I called to get the balance refunded, on XX/XX/22 I called again as i had not received it yet, on XX/XX/22 I called yet again, and still have NOT received my {$5000.00} negative credit balance. I have phone records to show my phone calls and the statements. I tried to put it in writing but the app told me on the chat/message that it was something I had to call in person for. There wasn't even a fax # where I could fax the request. Highly unethical as that would be obvious and quick proof to show the request was made... several times. 
I was told the first time I called I would receive an email link so I could get it back quickly. XXXX Calls and I haven't received anything! Looking into it they have blatantly violated my rights. My understanding is I am supposed to have that credit back within 7 days of my request. Well it's been over a month an I don't have anything. 

I'd also like to add that each time I waited on the line to take a customer service survey they asked me to before the call but each time, I never got the survey. 

I can provide any documents ( phone records ) upon request.
Consumer complaint received 2024-05-30
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Billing or statement issues
Company: Goal Structured Solutions, LLC (IL)

I overpaid my XXXX income share agreements by {$200.00} last year. They will not issue me a statement credit for the overpayment and are instead applying it to my cumulative balance. This cumulative balance will most certainly not be met by the time my payment period is up, so in a way they are stealing money from me. They have not been helpful and it's very scammy how they are just taking my overpayment money, which belongs to me, and applying it to a balance that I will not reach.
Consumer complaint received 2024-05-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sequium Asset Solutions, LLC (CA)

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I was advised to contact you all regarding a XXXX XXXX account on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report.
Consumer complaint received 2024-01-11
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. (NC)

Initially I had a hard inquiry on my credit report from XXXX XXXX on XX/XX/2023 when someone used my identity to try to start a line of credit with them. I was able to speak with XXXX XXXX and after a few weeks they sent me a letter stating the application was fraudulent and they would be sending out a letter to the credit bureaus requesting deletion. After this happened I put a credit freeze and fraud alert on all 3 of my accounts with the credit bureaus. Now on XX/XX/2023 the name of the inquiry has changed to XXXX XXXX XXXX XXXXXXXX XXXX, it has the same date as XXXX  XXXX and everything. Soon as XXXX XXXX sent me the letter stating it was fraudulent the name of the inquiry changed but with the same date. I dont know how this company magically appeared on my credit report when I have it frozen and a fraud alert on it. It only showed up on my XXXX and Transunion as XXXX had removed the fraudulent hard inquiry from XXXX XXXX XX/XX/2023. Im not sure why a new name is popping up on my inquiry list for the exact same date. I spoke with the XXXX XXXX XXXX XXXX in XXXX NC, and a guy named XXXX, the finance manager said they hadnt pulled my credit and I wasnt in their system, yet theres a hard inquiry on both my XXXX and Transunion stating otherwise. He told me that he couldnt give me a proof of deletion letter as that would be admitting they pulled my credit when they didnt. Yet theres is proof that I showed them via email, where their companys name is on my credit report under hard inquiry. I have not given this company or any company to pull my credit. I am not sure what is going on, I thought everything was handled when XXXX XXXX sent me the letter admitting it was a fraudulent pull, now this inquiry has popped up XXXX weeks later but with the same date as the XXXX  XXXX XX/XX/2023, but now the XXXX  XXXX inquiry is magically disappeared with no letter from either credit bureau stating a removal, only thing happened was a change of name.
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I hope this letter finds you well. I am writing to revisit the matter of my filed complaint concerning the following accounts : -- -- -TransUnion 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 XXXXXXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (AZ)

XXXX keep taking {$580.00} out of my Wells Fargo bank account, when I call XXXX they say I dont owe anything. They sent two letters claim I owe {$71.00} and they keep taking {$580.00} out of my account. Wells Fargo keep letting them take this money out of my my account. I filled a Consumer Fraud Complaints with XXXX to The Arizona Attorney General ( Confirmation # XXXX and the Federal Trade Commission XXXX Report Number XXXX ). 

The Wells Fargo Claims # is XXXX I believe this is Consumer Fraud and I am a victim of Fraud. XXXX keep my Deposit and keep charging me {$580.00}
Consumer complaint received 2024-01-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

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.

has violated my rights. Or a list of inquiries : 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 agency 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 2024-05-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF HAWAII CORPORATION (UT)

XXXX XXXX XXXX Received 2 letters from the bank. The first stating I attempted to open an account, the second ( XX/XX/year> ) stating that it was a fraudulent attempt using my personal or financial information and I should report it.
Consumer complaint received 2024-08-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I received a copy of my credit report. To my Surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$170.00}. According to FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

XXXX XXXX XXXX
Consumer complaint received 2024-08-13
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. (TX)

I have disputed this account several times even years without getting any Response. When I request debt validation they never respond with the information I request. They are in violation of the FCRA. I have included all the disputes I have made for these, including the certified mail tracking numbers. and despite this they ignore me, how is it possible to treat me this way, the truth is I'm tired of fighting and I feel Vulnerated ... What injustice. That's why I need you to help me. 
This letter serves as a formal complaint regarding the inaccurate and incomplete credit information contained in my credit report. Specifically, I am writing to address the presence of the following queries : QUERIES THAT I DO NOT RECOGNIZE AND THAT ARE IN 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons : As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

No Account Recognition : I do not recall opening or transacting with the entity associated with this account.

Possible fraud : Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent. 
Your obligations under the Fair Credit Reporting Act ( FCRA ) :
Consumer complaint received 2023-03-22
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. (AR)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX
Consumer complaint received 2024-05-30
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

Im unaware of this debt, I didn't have a chance to dispute this debt. If you believe you gave me proper notification please send me a certified mail receipt with my signature stating I received this notice. According to 15 USC 1692g I have a right to notice of debt which I never received.