davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OZK (NC)

I opened up an checking account with BANK OZK on XXXX i have been going trying to utlize the faculity to conduct my bussiness affairs. i went in the bank in XXXX asking about getting financial help i was sent to the loan department even tho thats not what i requested to be done i wanted credit.they stated they couldnt help me. i went back in XXXX to see if i could do a auto laon they stated my trade in was to old. I APPLIED FOR A CREDIT CARD FROM XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) and was denied i have credits and im not being allowed to perform. i went in XXXX to the local branch of BANK OZK to order checks and was told i could use the company checks i had to demand in order for them to allow me to order checks. the following week i went back because i wasnt receivng my statments through the mail and they charged my account unauthorized stating my mail was returned.i sent a certified letter to the headquters XXXX to notify them of changes to my account and updates. i sent XXXX deliveries on XXXX XXXX annd sent another notice and instructions to the local branch on XXXX no response at all. i also emailed i spoke with the branch manger informing him that i would be sending over documents this was the end of XXXX. I went into the local branch today XXXX and was told that my account was closed and that i was to leave their building. i have video of them denying me access to my account and certified returned recepits showing how i was trying to communicate with them i also tried other means of correcting my acount and file by addressing the CFO. BANK OZK HAS FORCEFULLY LOOKED ME OUT OF MY ACCOUNT AND BREACHED CONTRACT, FAILED TO COMPLY, PERFORM ALONG WITH OTHER VIOLATIONS. AS SOON AS I SENT OVER MY DOCUMENTS TO BE ADDED TO MY FILE TO THE LOCAL BRANCH THEY CLOSED MY ACCOUNT.
Consumer complaint received 2023-11-10
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. (GA)

My name is XXXX XXXX and SEVERAL of my rights have been violated. They have falsified information to all credit bureaus which is a violation of my privacy they violated the Truth in Lending Act 15 USC 1602 by reporting late payments as high transactions and the loans reporting to the bureau is a violation of the FCRA. They have failed to provide a copy of my written consent this debt was attached to an address that has NEVER been a place of residence of mine and several other violations therefore this must be taken off of my credit if not I will seek legal actions
Consumer complaint received 2023-04-11
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. (NC)

This is my other endeavor to tell XXXX AND EXPERIAN CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1600.00}, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$500.00}, XXXX  XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$250.00}, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-12-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect (WI)

On XX/XX/2023, Americollect said, " Americollect believes that its information is accurate. '' I know that the information provided by Americollect is inaccurate. The addresses are inaccurate, I did not receive medical attention in XXXX, Wisconsin. Furthermore, the debt amount that Americollect seeks is inaccurate. Enclosed is the documents showing discrepancies. 

Americollect sent an itemize statement with a total balance due {$1500.00}. 
XXXX XXXX shows the total amount of {$1300.00}. 
The account number is XXXX. 
It seems as Americollect added interest to a medical bill. 

The other medical debt that Americollect reported is inaccurate as well. 

The Fair Debt Collection Practices Act prohibits debt collectors from using abusive, unfair, or deceptive practices to collect debts from people, including : Misrepresenting the nature of the debt, including the amount owed.
Consumer complaint received 2023-12-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

This is XXXX XXXX, on XX/XX/2023 someone hacked my phone/sim ( XXXX ). They hacked my banks, emails, and also my identity. That same day in the morning I went to Chase Bank to change my account number and information. That same evening the hacker did a transaction once again from that new account. I called customer service and stopped that online transaction. Later on XX/XX/XXXX, I went to the bank and changed my account number again and gave them my new phone number. Somehow whoever still got access to everything again. I went to the bank again and they said to change my device and get another new number from another XXXX. I did that but some days later it started happening again. XX/XX/XXXX I received a notification on my phone from the online banking app that my information was updated and I had to call customer service to lock my account. I later went to the Bank the same morning and was talking to an employee who was helping me contact customer service and at that same time somebody transferred XXXX XXXX Dollars ( {$40000.00} ) to a company ( by wire ). I told them to stop the transaction, the person who was assisting me was also telling the customer service line that it's not me but even though the person was sitting right in front of me the customer service didn't stop the transaction but instead took a claim and said they are going to start an investigation. Few days later I received a letter from the bank that stated no action will be taken. I called customer service once again and they told me that they did not find any fraud so they couldn't give me my money back. They told me they sent a code to my phone before the transaction but that was my old number which the hackers still had access to. They were changing numbers. I told the bank and the bank knows everything but after everything how does the bank still add my old number to my profile when I changed it to a new number. The bank couldn't give an exact answer but they couldn't give me my XXXX XXXX dollars back.
Consumer complaint received 2023-12-07
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: AES/PHEAA (IL)

My son has a private student loan through XXXXXXXX XXXX Payments start in XXXX. The loan is serviced by AES XXXX American Education Services ). We moved from XXXX  to XXXX in XX/XX/XXXXXXXX XXXX and in XX/XX/XXXX changed our address via the post office mail forwarding systems and all online accounts to reflect this move with our new permanent address. In late XX/XX/XXXX, I was alerted by XXXX XXXX XXXX that my credit score had dropped from approximately 820 to 660. This was shocking to me as we have top tier credit, pay bills on time, and have low debt. The reason was that XXXXXXXX sent us an interest statement that got returned in error by the post office back to AES. Previously, we had been receiving mail from XXXXXXXX  to the IL address without issue. Rather than contact my son or myself ( his father, the co-signer ) to verify our address, they report this to XXXX in a monthly statement that we can not be located. AES does not reach out to our contact emails or contact phone numbers that they have on file to ask about this. Therefore, XXXX decided to drop my credit score by over 200 points which is absolutely unfair and egregious. I have disputed this with XXXX with no result. The responses I get from XXXX are that they have not received any updates from XXXX to make a correction, so it has not been changed or corrected or deleted from my credit report. XXXX does not say how they contact AES, whom they speak with, or how this is going to get fixed. AES updates their notes once at the end of each month. AES tells me that they have corrected our issue in the XX/XX/XXXX note to XXXX, but as of XXXX, nothing has changed and my credit score is now at XXXX which is putting a chilling effect on my finances and will cost me money if this is not resolved immediately. I dont know which company is more at fault for this : AES or XXXX. On one hand, AES should not have reported this to XXXX, all they needed to do was verify our address by contacting us via phone or email, which they did not do. On the other hand, it is absolutely insane that XXXX can just decide to drop a persons credit score by XXXX points because one piece of mail was returned to the loan servicer by mistake.
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (FL)

- This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.
Consumer complaint received 2023-12-05
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bright Capital Inc (WA)

I applied for a Bright credit card, filled out the form, paid the fees and then nothing every happened. I requested to cancel my " membership '' with them and requested a refund on XX/XX/XXXX. I was told 2-3 days. Nothing showed up. So I contacted them again, was told 2-3 days rinse repeat to today. Was then told because it's an AI system, they have no control over what it does when it tries to refund fees and if it even attempts to.
Consumer complaint received 2023-12-12
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO. (MA)

I opened a Chase account on the basis of using the account for the United Airlines mileage points. After opening the account, the bank blocked my access to online bank. When I tried to call them to restart the process, then a rep claimed that they could not verify me even though I provided the telephone number on file. They claimed that they could not text the number. Meanwhile, when I went into the online portal to change my address, then I got block from the online portal access. I later discovered that Chase experienced " technical difficulties '' with its website. However, when I called about the matter, I got informed that someone would call me back. To date, the matter remains unresolved. That is, Chase fails to honor its agreement regarding my mileage points while also denying me access to the card. When I asked about closing the account, I got informed that I needed to use the online portal or visit a bank directly.
Consumer complaint received 2023-12-11
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. (SC)

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. " XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information is not shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Transunion is a financial institution by definition under that title. 15 USC 1681 section 604a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). Transunion not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am exercising my right of opting out of your reporting services.
Consumer complaint received 2023-09-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

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 following items. 
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 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
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

e information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.
Consumer complaint received 2024-03-15
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: Experian Information Solutions Inc. (FL)

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-11
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (GA)

To whom this XXXX concern, This is my second complaint. The company Westlake financial portfolio management did respond to the initial complaint. The resolution as of XX/XX/23 was to have my vehicle returned but they had already auctioned my vehicle. Then they changed the contract terms. I did not agree to a 12 year term at {$250.00}. Ive never spoken to them on that matter. I am out of a car and money invested into it. They also filed repossession then changed the coding to charge off. And the debt they claim is owed wasnt sold off to a third party collection. Its charged off and still attached to them. I still dont have any updated info of next steps to closing this account. The company failed to follow through with remittance of property and the car is still registered under my name.
Consumer complaint received 2017-03-26
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK (FL)

Hello, I have been a credit card member of Discover since XX/XX/XXXX. I just noticed that as far as I can go back ( about XX/XX/XXXX ) they have been charging me for a Payment Protection Fee which I never signed up for adding up to about {$2000.00}. 

I researched this matter and see there have been many complaints from customer who were also signed up for these fees without their consent and that the FDIC found Discover 's practices deceptive and there was a class action suit filed against Discover for this. 

I called Discover today with this complaint to cancel future charges and to request a full refund for the amounts charged without my consent. I was told they could only refund me about {$320.00} for the last 6 billing cycles. After requesting a Manager, he kept on with the same rule and added that they have recording of me opting in for this service and that they have done their " due diligence '' in making sure their customers know about this fee by putting it in the statement and sending communications by mail/email. I NEVER signed up for this service and when I requested to hear the recording of me agreeing to opt in to the Payment Protection plan, I was told they could n't share those recordings with their customers for " legal '' reasons. 

I 'm very disappointed and upset that a reputable institution would go about these tactics to seamlessly add small charges to customer credits cards which add up to their hard earned money over time.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

I have consistently experienced credit score deductions from XXXX XXXX, prompting multiple instances of alertness on my part. Upon contacting the company, I was informed that my account showed no outstanding balance. The recurrent deduction of my credit score without a corresponding explanation or resolution has raised concerns about the accuracy and transparency of XXXX XXXX XXXX  billing system. This ongoing issue requires urgent attention and resolution to ensure the integrity of credit reporting and customer trust in the XXXX XXXX
Consumer complaint received 2017-03-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (GA)

This complaint includes both private and federal student loans. I went into the military in XX/XX/XXXX and received a XXXX student loan repayment incentive ( XXXX actual paid, XXXX went to taxes ). AES owned all my loans at the time, ( XXXX total loans, XXXX private and XXXX federal ). The military made the first payment of XXXX around or about XX/XX/XXXX. After receiving the first payment AES applied the money to each loan instead of paying off my private ones first, as I requested. After the first payment of XXXX AES sold my federal loans to XXXX, but they sold them for the amount of the loans before the XXXX payment was made from the military. Another payment of XXXX was made XX/XX/XXXX but the amount of my loans has not decreased much ; I initially owed XXXX, after the XXXX was paid they are still saying I owe over XXXX. This makes no sense and I have tried to speak with both AES and XXXX many times. They never give me a straight answer. They 've told me that the majority of the money paid by the military was paid to the interest on my student loans, which they are not suppose to do, they are suppose to pay it toward the principle. Another issue is that I had to claim the XXXX from the military as income, of which XXXX was taken for taxes. I am never on the phone less than an hour when I call them and I have still never had resolve and I have been dealing with them for years. One of the main reasons I went into the military was to get the majority of my student loans paid off. I am now a XXXX veteran and I am beyond fustrated with trying to get my student loans figured out.
Consumer complaint received 2023-09-26
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. (TX)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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