davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CLGF Holdco 1, LLC (GA)

In accordance with the fair credit Reporting act XXXX XXXX  Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-11-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (IL)

On XX/XX/23, I sent a certified letter of validation of debt ( I can provide reciepts and tracking number as needed for proof ). The contents of the letter is stated below : To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

Furthermore, I am requesting you to provide the following items as follows : Send me a detailed list of the history of payments made by me on this account Show me the signature that I put on the contract that states I agreed to pay you Show me any and all insurance claims filed on this debt Provide me with the chain of title that authorizes you to collect on this debt I will await your reply with the above requested proof. Upon receiving it, I will correspond back with you. 

They have negatively reported a false balance on my XXXX credit report for an account I have no knowledge of. I attempted several times to dispute this collection with the credit bureau to no avail. This company has refused to respond to my letter of validation of debt and is continuing to falsely report a collection that I do not own. 

I am sending a second certified letter today demanding they remove this false collection from my report immediately for failure to respond to my original correspondence sent XX/XX/23.
Consumer complaint received 2018-12-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (WI)

XXXX XXXX, 2017 State Collection Agency placed a debt collection on my credit report in the amount of {$420.00}. I have requested validation of said debt and have only received a bill. The bill does not prove that the debt is owed. I do not have a written contract with State Collection Agency. I have not been provided a contract between them and the original credits for collection authority.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC (NY)

My ex girl friend used XXXX to send money to my XXXX account and than to her XXXX XXXX account - its a clear money trail but XXXX refuses to assist properly and told me to contact Zelle - I contact Zelle and they tell me to contact my bank. 

And now shes using my account to pay her rent
Consumer complaint received 2023-11-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

Have had an account for 30 years at Chase. Deposited checks on XX/XX/23 but as of XX/XX/23 Chase refuses to release the funds. The money was debited from the payors account by XX/XX/23. The funds were part of home buying closing which now can not occur. Chase retains customer monies. How is this legal?
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY (OR)

I opened a credit card to get the 0 % APR on balance transfers. Given {$14000.00} line of credit, used {$7000.00} to pay down another card. Set up auto-pay so I wouldn't be late or miss a payment. Three months later, I get a letter stating they have reduced my credit limit from $ XXXX to {$7.00}. No notice, no reason - other than this big bank was not profiting off me. My credit score DROPPED XXXX points from this alone, when I was trying to improve my credit score. With all the lawsuits they have been involved in, I should have known better than to use their services.
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-11-29
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX of 2023 I opened a business savings/checking account with Bank of America . The customer service representative advised that if I open the XXXX accounts and maintain a balance of more than {$1500.00} in my checking, I will not pay maintenance fees. I never really viewed my savings account and maintained over a {$100.00} balance in order not to be charged a maintenance fee as I was advised by the service adviser. When I recently checked my savings statements, I saw that they were withdrawing {$10.00} dollar maintenance fee every month, even though they promised that they would not. I went to the bank and they said they will adjust the fees back to my account and will refund all of it back in few days. I went to check the account and they only refund me {$10.00} for one month only and when I inquired about the rest of the fees to be refunded, they said they will not and thats based on their decision. I feel that they took advantage of me and lied to me at the inception of when I opened my account with them.
Consumer complaint received 2020-08-04
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. (AR)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$0.00} XXXX XXXX {$300.00} XXXX XXXX {$12000.00}
Consumer complaint received 2018-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I was a victim of unauthorized transactions due to the cust service rep failing to cancel my account after crediting my account for unauthorized transactions. This led to additional unauthorized transactions occurring by whoever had my card. 
I was by assured by capital one that : 1. My credit would be re-reported and updated immediately as " current '' after the account became credited again for the unauthorized balance 2. All of the " PAST DUE '' reporting for the months of XXXX XXXX XXXX XXXX 2018 would be removed from my reports since it was past due as a result of the unauthorized transactions that were causing the balance on the card. 
This did not happen and it is preventing me from obtaining credit. 
This is causing me to suffer Damages and I should not be " HELD LIABLE '' as per Capital One 's own Policy. 
In Fact Capital One is going to be Held Liable for such Damages suffered by me as a result of breach of " zero liability. '' promise. 
Damages will be sought for unless this issue is resolved.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: KLS Financial Services, Inc (NC)

On XX/XX/2023 I sent a letter to KLS Financial Services about an account on my consumer report I am not familiar with. The account number for this account is # XXXX. I sent this letter to KLS Certified Mail the Tracking number is # XXXX to ensure this letter would reach the company. 

KLS did not respond to dispute letter within the mandated time frame set forth by the FCRA. I request that this account be removed from my consumer report immediately! Obviously KLS financial services does not has the substantial proof to verify this accounts existence on my consumer report. Attached is the Dispute letter for account # XXXX to KLS financial and also the Tracking information to KLS Financial Services .
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (CO)

I have had a Barclays card for more than a decade. Around 3 years ago I put a freeze on the card and tried to close the account. Around 2 years ago I noticed on a credit check that the account had not closed and I went to close it again. Today I get a notice that they put a charge on my card and are asking for a past due balance. I went to figure out what's going on and to again try to close the account. The number listed on their site was for an apartment complex in New Hampshire. I messaged their service on their site to no response. The apartment complex gave me the correct number and I called multiple times however anytime the automated prompt asked for me to say representative it just hung up, similarly it hung up if I said " account closure '' after repeated attempts. I JUST WANT THISA ACCOUNT CLOSED!
Consumer complaint received 2022-07-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-07-17
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. (NY)

Today, I am filing this CFPB Complaint to notify the Credit Bureaus that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit XXXX XXXX XXXXXXXX to file a report. According to section 605b of the FCRA, the Credit Reporting Agencies are mandated to delete all accounts and information listed on an IDTHEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in deleting the erroneous information being posted on my report. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX MO XX/XX/2023 XXXX XXXX  XXXX XXXX  XXXX. I would like to highlight that I did not open any of these items or give anyone permission to do so on my behalf. I am convinced that this is a case of identity theft, and I am taking measures to report this to the authorities. According to FCRA Section605B ( a ), the CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

i have numerous times called and called to this company to remove all inquiries from my account that do not belong to me. they have constantly refused to do so and having all of these inaccurate inquiries on my account is hindering me from getting anything worth having. their inconsiderate and reporting inaccurately and i need it to stop, i need results and i need something to happen. i do not have time to go through the stage of pursuing a law suit but that will be my next step. 
the only inquires that should be reporting on my account should be : XXXX
Consumer complaint received 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc (MO)

On XX/XX/2023, I check my eligibility for an affirm loan with XXXX XXXX. I wanted to purchase and XXXX. It said I was approved for XXXX. It gave me three options : 0 % apr for 6 months, 10.84 % for 18 months, or XXXX for 36 months It said my offer expired in 6 days. I took a screen shot of the offer. I didn't check out because I wanted to see the bike in person before I purchased. I drove an hour to the dealer and after viewing the bike, agreed to purchase. I then used my phone to buy the bike online while in their store to use the affirm offer. The offer was no longer 10.84 % but 24 %. I put {$1000.00} down on the bike and purchased anyway since I had driven and didn't have time to come back. I also figured out that once I showed Affirm proof what they had offered, they would fix their mistake. I have called twice and spoken to two different representatives. The first man was no help and said he could not see the original offer. The second rep said they would not change the APR even though I have physical documentation of the original offer.
Consumer complaint received 2023-11-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY (MS)

XXXX {$1500.00} was sent to my account by my lawyer but due to the account being closed I never received it. Since my account was closed the funds should have been returned within 48 according to Wells Fargo but it never was returned to my lawyer account.
Consumer complaint received 2023-06-27
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. (MI)

Its been past 30 days since I disputed an item with CFPB and Transunion has failed to respond. The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.
Consumer complaint received 2017-04-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MA)

Since XX/XX/XXXX I entered into an agreement with Navient to begin paying back my student loans. I also requested to participate in a program that would lower my rate or monthly payments. I have been making the necessary payments ( {$470.00} ) since XX/XX/XXXX and it continues to show on my credit report that I am 180 days pass. This has caused my credit score to drop significantly. Please assist me with understanding if this is right. I still have not been approved for the program to lower my rate. They continue to ask for more documentation regarding the co-signer while taking {$470.00} from me every month. I have asked them to consider that I have been able to make the payments on my own, why is it necessary to have the co-signer personal information. 
Looking for guidance and assistance as I feel that this is completely unfair and unreasonable. 
Thanks
Consumer complaint received 2024-03-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MO)

Experian closed another complaint without addressing the issue and giving explanations that are meaningless. The fact that they stole 17 months of on time never late payments to XXXX and refuse to give them back
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OH)

Nelnet is my new student loan provider. Ever since I have gotten on the platform, my " amount due '' has been {$0.00}. But this is not correct. I owe $ XXXX in student loans and have just been manually paying $ XXXX for many months now. Now that student loan repayment has restarted, I have no idea how to get an updated amount. It also does not allow me to set up autopay. When I try to turn " on '' autopay, it tells me my autopay amount will only be {$410.00} and not occur until XX/XX/2024. 

Not only am I not able to modify this, but with autopay " on '' you get a 0.25 % discount on your loan. This service is currently blocked to me, and on a $ XXXX loan that is major. I'm fully able to make automatic payments. But the system will not let me turn it " on '' so that it works properly. Therefore, I am unfairly being blocked from accessing this discount due to issues with Nelnet 's service. And I am unfairly being charged more interest. 

I have called and messaged the company multiple times over the last 3 months. They do not respond.
Consumer complaint received 2023-11-29
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc. (VA)

I have paid a debt from MoneyLion LLC I paid the full amount posted on my credit all though if was well over the amount l owed, but paid it and requested the amount to be removed from my credit. I never received any response from the Moneylion. The certified check was sent to their corporate office from my bank account and sent by check by certified mail via postal services. I have copies of all receipts that I sent to them as, certified check, receipt from bank account, post office receipt check was delivered. I have called MoneyLion to pay the directly to them but they said the information doesnt match and if could not be paid online. The have someone elses information with my information. I dont deserve this treatment
Consumer complaint received 2023-11-29
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

My information was sold and bought illegally because I was a victim of the XXXX data breach. As a result of this data breach, on XX/XX/2023 Capital One Bank USA had pulled a hard inquiry on my XXXX credit report without my authorization. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete this illegal Capital One Bank USA hard inquiry from my XXXX credit report. I have submitted at least 4 disputes with XXXX pertaining to this illegal unauthorized Capital One Bank USA hard inquiry and XXXX have not done a THOROUGH INVESTIGATION and XXXX have not contacted Capital One Bank USA about this hard inquiry so that it can be deleted.
Consumer complaint received 2023-11-29
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Wolf River Development Company (AZ)

Two years ago, I needed a quick payday long to pay off a bill and I was approved for a loan. At the time receiving the loan, I didnt realize how high the interest rate was and how much more money I ended up paying. the alone I was approved for was {$300.00} yet I ended up paying over XXXX XXXX back to this company. Definitely do not recommend anyone getting a payday loan through this company. I did see that they do have a lawsuit filed against them and when you look them up to go on their website, it is blocked.