davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc. (FL)

On Monday XXXX XXXX I checked my credit reports and saw a new collections account was placed on my reports. XXXX XXXX fraudulently placed this account on my reports and they admitted they did when I called them on this same day at XXXX XXXX XXXX XXXX. 

I first talked to a customer service rep about the issue and asked him why they never sent me a bill/notice to give me a 30 day chance to either pay or dispute the bill. He said he did n't know and that they just barely got the account and that it takes them 30 days to reach out to the customer. I went on to ask him what address they had on file for me and he gave me the right address so I told him there would have been no problem with me receiving such notice. He went on to tell me that sometimes there are rare glitches and they put accounts on the customers credit reports before telling them that they owe a debt. He also went on to be a smart XXXX and say that I could n't prove that they never sent me a notice. Which tells you they are guilty! UNACCEPTABLE! 

I asked the guy to get me a XXXX and thats when a XXXX got on the phone with me. I again went over the issue with XXXX and asked him why they never sent me a bill/notice about this account so that I could take care of it before they put it on my reports. He did not have an answer for me. However he did say that he would remove them off of my reports and then we made an agreement that once it was gone from my reports I would pay this bill off so it would n't be on my reports and affect my credit. 

They are violating the FDCPA and also HIPPA. They never gave me a chance to pay/dispute. I never signed any authorization release forms for my medical information to be shared with a 3rd party. This is a medical bill from 2012 that I do n't recall but I am not trying to dispute it I am more than willing to pay it as I told the Commonwealth employees I have been cleaning my credit and trying to buy a house so I would have definitely taken care of this account before resulting in them reporting to the credit bureaus. 

I am very upset over there actions and I gave them a second call on Thursday XXXX XXXX at XXXX XXXX XXXX XXXX. I again spoke with the XXXX XXXX and he reassured me that he would be removing this account from my credit reports. All of this should be on tapes as they say that all calls are recorded. That would be proof of them being in violation and agreeing to remove the account from my credit reports.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (CA)

XXXX XXXX XXXX XXXX & XXXX XXXX XXXX are continuing to report negative with a balance on an account that was included in my discharged Chapter XXXX Bankruptcy DOCKET XXXX. 
It even shows on my report it is in bankruptcy but they are in clear violation of the Bankruptcy courts. I have disputed it and they claim it is valid & XXXX sent results showing valid so they are in violation. It is absolutely not valid and I have contacted my Bankruptcy attorney and I will be taking legal action.
Consumer complaint received 2024-01-22
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (MI)

I opened a business PayPal account in summer of XXXX. I sold XXXX XXXX XXXX  of dollars worth of merchandise with PayPal, PayPal also takes a fee from every transaction. On XXXX I went to log into my account like ever other day and I received a message that I could not longer use PayPal. No reason to as why. I called several times and several days in a row and no agent could give me a reason to why they closed my account. On top of my account being closed they were holding several XXXX of dollars. I began calling again when I found out I couldnt transfer my money to my bank, and still no answer or when I will receive my money. This is horrible business practice and its been several months and Im still without my money. The money that they have made a profit on with all their fees. I also have several refunds from companies such as XXXX XXXX XXXX XXXX XXXX that have tried to refund my money and PayPal is claiming they dont have it, but I have proof they accepted the refunds to my account.
Consumer complaint received 2024-01-22
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (CA)

LVNV FUNDING LLC is reporting a Collection account. {$1.00}, XXXX past due as of XXXX XXXX this is not true. I have a XXXX XXXX XXXX : {$650.00}, I have disputed this with them and my credit agency and they won't change the balance. XXXX XXXX Customer Number : XXXX Account Number : XXXX
Consumer complaint received 2023-05-03
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: LEXISNEXIS (SC)

i have never owned a XXXX XXXX credit card or bank account. i have applied numerous times including recently and have gotten denied each time. the problem is that a XXXX  XXXX credit card account is being reported by XXXX  XXXX, lexis nexis, XXXX and XXXX. i have disputed numerous times and they keep sending electronic responses stating that it is verified accurate information. even though i have requested an original application, signature or proof that the account is mine as described in the FCRA. as of now i have not been furnished with this request. i have been disputing this for years and am being denied credit because this account shows as a delinquency and charged off.they only stated it was verified which was not my request. i have called XXXX  XXXX numerous times to dispute they refuse stating its a verified debt.i requested my information and original application they stated the account was too old
Consumer complaint received 2024-01-26
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (TX)

After reaching out to this company dispute a fraudulent card in my the company used my personal information to update the account and reopen the account after fraud. This is engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and i did not agree upon this or ask them to reopening this account. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-01-22
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (CA)

I have wrote this company several times about validating the debt have not received anything from them verifying that the debt is owed to me. I sent certified mailing with no response back from the company. It has been deleted several times but then they put it back on my credit with conflicting dates they are saying I owed the date. Now they say I opened this date XX/XX/XXXX but before that it was XXXX. I never opened this debt at all and dont even know this company at all.
Consumer complaint received 2024-04-08
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. (MN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX PA XXXX - XXXX XX/XX/XXXX Dear TransUnion I hope your day is going well, but I need your help. I noticed the following issues with these accounts on my credit report : XXXX XXXX XXXX  : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Unfair. Fix the account number and send a full report. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX XXXX XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

XXXX : Account number : XXXX, Unfair. Fix the account number and send a full report. 

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from the FTC, and the CFPB. This incorrect information on my credit report is causing problems when I try to apply for credit. Please investigate this matter, and get back with me when you are finished. I hope this will be soon. 



Thanks.
Consumer complaint received 2024-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (UT)

Dear Consumer Financial Protection Bureau, This is my fourth formal complaint against Aldous & Associates PLLC, with reference to the previously submitted complaints # XXXX, # XXXX, and # XXXX. Despite my previous efforts, the issues with Aldous & Associates PLLC persist, and I am seeking your urgent intervention. 

Despite multiple submissions of evidence clearly demonstrating the invalidity of the debt they are attempting to collect, Aldous & Associates PLLC has failed to address any of the information provided in my previous complaints. The only proof they have presented is a contract from the gym, initiated on XX/XX/2023, while my membership was canceled on XX/XX/2023. This proof has been submitted multiple times. 

Attached, you will find copies of the contract agreement, specifically highlighting subsection XXXX, which outlines the legally binding steps I followed to cancel my gym membership. This evidence clearly invalidates the contract agreement presented by Aldous & Associates PLLC. 

Additionally, I have provided proof from XXXX XXXX acknowledging the cancellation of my membership via email. XXXX XXXX, however, claims they can not provide further information and direct me to Aldous & Associates PLLC, who, in turn, have failed to provide any additional validating information. 

As per the submitted evidence, the alleged debt is invalid, and I have clearly communicated this to Aldous & Associates PLLC in previous complaints and phone conversations. Despite this, they continue to pursue collection without providing any substantiating information. 

This communication serves as my fourth attempt to resolve this matter through the CFPB before pursuing legal action against Aldous & Associates PLLC. I request a thorough investigation into their debt collection practices and an immediate resolution to cease any further attempts to collect this invalid debt. 

I appreciate your prompt attention to this matter and request that you communicate any updates or actions taken. Thank you for your assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-10-24
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: EQUIFAX, INC. (CA)

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX Balance : {$0.00}.
Consumer complaint received 2023-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

Under 15 USC 1681, 15 USC 6801, and 15 USC 6802, student loans should not be on my credit report. These need to be removed from my credit report as there was no authorization, substantiation, written verbal or oral communication for the information to be reported, and is illegal to be on there according to the consumer laws. This information is to be deleted immediately as it is effecting my personal life and credit worthiness, and causing adverse actions.
Consumer complaint received 2023-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

Kindly correct the error on my account by removing the wrongful late payment notation. I have consistently made payments punctually and never defaulted. This situation is greatly affecting my well-being and disrupting my sleep. I urge you to address this issue and rectify my account immediately.
Consumer complaint received 2024-01-22
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (CO)

REQUESTED PAYOFF LETTER FOR AUTO LOAN PAID IN FULL ON XX/XX/2023. DMV REQUIRES TITLE ASAP! VEHICLE IS TO BE SOLD. THE BANK IS COSTING ME MONEY EVERY DAY THAT THE LETTER DOES NOT ARRIVE. 

PAYOFF LETTER WAS SUPPOSED TO ARRIVE NO LATER THAN XXXX BUSINESS DAYS AFTER PAYOFF. INFORMED THAT LETTER WAS SENT XX/XX/2023. LETTER DID NOT ARRIVE. REQUESTED FAX OF LETTER FROM XXXX IN CHAT SERVICES ON WED XX/XX/2023. NO FAX ARRIVED TO MY LOCAL XXXX, CO BRANCH. 

MADE XXXX PHONE APPOINTMENTS WITH XXXX XXXX TO GET UPDATES. MADE THIRD APPOINTMENT WITH XXXX XXXX SCHEDULED FOR XX/XX/2023 XXXX MST. HE NEVER CALLED.
Consumer complaint received 2024-04-08
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)

While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 Under the provisions of the Fair Credit Reporting Act XXXX specifically 15 USC 1681 section 602 a, it is unequivocally stated that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and a deep respect for the consumer 's right to privacy.

As the consumer in question, I am asserting my right to ensure that my private information remains confidential, as reinforced by 15 USC 6801, which declares that financial institutions have a continuous obligation to respect customer privacy.

According to 15 USC 1681 section 604 a section 2, a consumer reporting agency may only furnish a consumer report under specific circumstances, one of which is in accordance with the written instructions of the consumer. It is imperative to note that both the financial institution ( Furnisher of information to credit agencies ) and the consumer reporting agencies, XXXX and transunion, XXXX, lack my consent and certainly do not possess my written consent to furnish this information. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise. 

Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party without providing the consumer with an explanation of how they can exercise the nondisclosure option. The ( Furnisher of information to credit agencies ) failed to inform me of my right to exercise this option, thereby violating the law.

The reporting of adverse information without my permission is also a breach of 15 USC 1681C ( a ) ( 5 ), which explicitly prohibits consumer reporting agencies from including adverse items of information that antedate the report by more than seven years. XXXX and XXXX are in violation of this provision. 
Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A asserts that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. XXXX transunion and XXXX are falling short of maintaining reasonable procedures, as mandated by 15 U.S. Code 1681e, which requires consumer reporting agencies to have procedures designed to avoid violations and limit the furnishing of consumer reports to specific purposes.
Consumer complaint received 2023-11-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NEW YORK COMMUNITY BANCORP INC (FL)

On XX/XX/2023, I opened an account with XXXX to take advantage of a {$250.00} new checking account promotion. 

The promotion stated to receive {$250.00} XXXX needed to open the My Community Free Checking account with {$1.00} or more and that I must have a total of one or more ACH deposits totaling {$500.00} or more and to maintain and average daily {$500.00} balance for 90 days. The promo stated I would receive the {$250.00} bonus in XXXX XXXX  days, but I never received the {$250.00} bonus. 

After account verification, I made the first XXXX deposit on XX/XX/2023 for {$500.00}. I had more XXXX deposits on XX/XX/XXXX for {$300.00} and on XX/XX/XXXX for {$200.00}. 

From XX/XX/XXXX - XX/XX/XXXX my balance has never dropped below {$500.00} even after making some withdrawals from the account. 

I received a message from customer service that I dont qualify for the bonus because I didnt maintain {$500.00} balance for 90 days. That is completely false and my checking statements shows that my balance never dropped below {$500.00}.
Consumer complaint received 2023-05-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my claim.
Consumer complaint received 2023-07-26
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. (IL)

I have a fraud alert on my credit reports, and I asked all three reporting agencies to remove the following inquiries that came in result of the fraud but up to now they have not, Here are the inquiries XXXX XXXX on XXXX, XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX on XXXX, XXXX on XX/XX/23, XXXX on XX/XX/23, XXXX  XXXX on XX/XX/23, XXXX XXXX XX/XX/23, XXXX on XX/XX/23, XXXX on XX/XX/23, XXXX on XXXX XXXX, XXXX and Equifax continues to report this false information and I will have to invoice each one of the reporting agencies if they remove this false information ASAP. This my fourth attempt to protect my credit.
Consumer complaint received 2018-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TN)

Experian constantly fluctuates my credit score Despite having flawless credit. Example : my credit score dropped 13 points from XXXX to XXXX in 2 weeks for absolutely no reason? 
It bounces around like this all the time fluctuating upwards of 20 points on any given week despite no changes on my part? 
I have {$50000.00} dollars of unused credit and my bills are very low for someone my age. 
Never had a late mortgage payment, truck or credit card payment etc etc so why is it constantly changing from the 800s ( where it should be and remain ) to the 700s for absolutely no reason?? 
If I dont open any new accounts, miss a payment on a bill etc etc then it should not change like that! 
Total scam!!!!!!!
Consumer complaint received 2024-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NC)

I started my first semester of graduate school this month and I have been attempting to have my In-School Deferment Request ( XXXX No. XXXX ) form processed by Nelnet. I first uploaded the form through Nelnet 's document upload portal on XXXX XXXX After no notification of any kind, I waited several days before calling customer service to confirm receipt. On XX/XX/XXXX, I spent 30 minutes on the phone speaking with someone who stated there was no record of the form I uploaded because their website " has been having issues. '' Keep in mind this form contains my SSN and other sensitive information. I was told to upload the form again, which I did again after our conversation. 
It is now 11 days later and I have still not received notification that my form was received or if it is being processed. I am assuming not, because the customer service agent I talked to on XX/XX/XXXX said it would only take a couple days. I tried calling customer service again today, but hung up because the average estimated wait time was 67 minutes and I am trying to study today between my work schedule. My next payment is due soon and I need the form processed ASAP. These delays and dysfunctional website from Nelnet are not acceptable.
Consumer complaint received 2018-05-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: CITIBANK, N.A. ()

I filed complaint XXXX about CITI BANK and it was responded. Response, however, does not include the correct/complete information in order to pay my balance. The funds I wired according to the information given by Citi were returned. 

I need to know the exact and complete details of the wiring instructions in order to pay the loan. 

I need : Swift, Name of beneficiary bank, ABA number, Account number, Address, City. 
Also, I need the balance in order to repay the loan in full. 

I have called several times and left my telephone number and e-mail. No one responds in the phone numbers given by City ; I have not received any response.
Consumer complaint received 2023-05-11
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: CITIBANK, N.A. (CA)

Transaction on XX/XX/XXXX  in the amount of {$7300.00}. Priceline confirmed that this charge was reversed on their side, but Citi will not credit the account.