davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-04
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

I am requesting a copy of my signed lease contract to prove that I have accepted and agreed to any charges. It is illegal to charge for something that I have not accepted or signed. According to the law, I have the right to evidence and the only thing they have sent me is a payment history with dates that they claim I owe them. However, this is not true as I was not living in the apartments when they claim my first default was. I have spoken with the administration several times, but they do not have a copy of my contract or any information about it. I have disputed this multiple times but have not received any response. According to the fair credit law, I need all the proof that the account is mine.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A. (HI)

Opened checking and saving priority account and got blocked due to possible fraud and saying I have violated an agreement and all account including credit card will be shut down. All funding was transferred from my own US accredited bank so shouldnt have been an issue ( XXXX  and XXXX  ). Have been using XXXX  to pay off my credit card for years! Been contacting citi weekly since mid XXXX to get issue resolved. Been over a month and very little progress has been made. Contacting via phone and email has been useless. Lots of unanswered email and almost always no one pick up when I call back on the number they left on voicemail. After a month of unnecessary investigation finally unlocked checking account but still block online access so cant put money into saving account. The only reason an account was open was because of the 4.3 % interest rate that was promised. I am tired of having my own money held hostage.
Consumer complaint received 2024-01-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

This account is a joint account between me and my nephew, where he manages my bill payments. Around the beginning of XXXX, my nephew received emails about my XXXX being closed and the phone number being gone. A few hours later, he said he could not manage the account or access it. He called Bank of America and found out the account was frozen. They called him back and found that they found an unusual transaction that they detected was a fraud. I checked my bank transactions and found nothing out of the ordinary that is considered to be fraud. I dont know if the bank is falsely accusing me. They tried to resolve it by changing the username and password, but I still can not access the funds. I tried to call them multiple times, but they will not give me a proper response about when my funds will be accessible or the account will be unfrozen. Its been almost XXXX months and I have yet to hear back on the status of the account. I had to move my paychecks temporarily to pay my bills and mortgages and the bank was giving me financial stress due to missing out payments.
Consumer complaint received 2024-01-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Spring Oaks Capital, LLC (DE)

I received a letter ( XX/XX/XXXX ) from XXXX XXXX XXXX on behalf of the Plaintiff Spring Oaks Capital SPV , LLC in regards to a debt they have purchased. 
A few items of discussion are the current balance as stated is {$10000.00} which does not match the amount listed in my credit report which states {$9900.00}.

Also, the date of the last payment made was XX/XX/XXXX which is close to this being Time Barred debt in the state of Delaware.

I understand now there is a court case to sue me that was filed on XX/XX/XXXX so feel like I am being harassed/threatened ( violating the FDCPA ) by both parties mentioned above.

I am also filling a complaint with the Delaware state attorney generals office on my behalf. 
Attachments include : Letter from XXXX XXXXXXXX XXXX Copy of my credit report attesting to the date of last payment and the amount of debt.
Consumer complaint received 2023-06-21
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT XXXX
Consumer complaint received 2023-08-29
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (OH)

I contacted AMEX and provided a copy of my orders and request SCRA benefits be applied to my XXXX AMEX account with a note notifying them I am located in a KP state. AMEX continued to charge interest and did not refund the interest amount and did not recognize me being in a KP state.
Consumer complaint received 2024-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (NJ)

Last summer of XXXX ( I cant exactly recall the specific date ), I had called Aidvantage ( student loan servicer ) to ask on how to enroll for the SAVE program. This is a program that the Biden Administration created to help us with the monthly payments, prior to it resuming on XX/XX/2023. I was told by an agent from the company that I was going to be automatically enrolled by the program, and I do not have to do anything on my end. A few weeks have passed, I logged back in to my account, then I had found out that my total balance actually increased significantly. I immediately contacted the company to ask on why my loan balance increased, and an agent that day informed me that my balance went up due to the interest. I immediately made them aware that a previous agent that I had spoken to last summer of XXXX informed me that I was automaticaly enrolled in the SAVE program, but that was not the case, that I was not enrolled in the SAVE program, that they had enrolled me to a different program to which interest were still accrueing, which lead to my total balance going up, and that there is no such thing as AUTOMATIC ENROLLMENT to the SAVE program. Then i requested to speak to a manager, and I was informed that they will conduct a review since all phone calls are pre recorded. Then, after several weeks have passed, I still did not get any information about the results of the investigation ; therefore, I had contacted them multiple times, and all they keep saying was they will call me in 2 days. A few weeks have passed and I still did not get any return call from them. So I was tired of waiting, then yesterday ( XXXX  ), I had contacted them again, and I spoke to a supervisor, and informed me that they do not see any note/request for a review/investigation. This company is trying to avoid my concern just so they can avoid to eliminate the interest that they applied to my total student loan balance. They are basically robbing me.
Consumer complaint received 2023-06-21
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. (NM)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XX/XX/2021 XXXX XXXXXXXX XX/XX/2021 XXXX XX/XX/2021
Consumer complaint received 2023-11-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (MO)

This company did not provide me with the adequate info to me to valid the account was mines. Between XXXX XXXX 2023 the LVNV Funding LLC collections account was reported closed and they still didnt verify the account with my signature or verbal authorizing.
Consumer complaint received 2023-12-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK (VA)

I am of the age of maturity to make this affidavit and the facts herein I am mentally competent to make these facts for the Record I have personal knowledge of the facts in this affidavit [ Made Pursuant to the US Constitution & Title 28 USCA Section 1746 ] AFFIDAVIT XXXX XXXX XXXX, XXXX for XXXX XXXX, a XXXX year old veteran owned company, applied for credit / bank account with a qualified credit score ; and denied near XX/XX/2023 without just cause in violation of The Equal Credit Opportunity Act.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On XX/XX/2018 I obtained and printed a credit report from XXXX  and then attempted to get a report from the other two. The request was denied stating that I had obtained reports from all three within the past 12 months. This is not true unless someone other than myself did so.
Consumer complaint received 2023-12-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LoanCare, LLC (NV)

After a thorough review of my credit report, I have identified discrepancies in the reporting of late payments. I am disputing the inaccurate reporting of late payment information on my credit report for closed and settled accounts. The other bureaus were able to update their report accordingly. I am questioning the process of investigation you are conducting that is different from other bureaus. I am seeking your assistance in correcting this matter promptly. 
Below are the details of the late payment information that requires attention : XXXX XXXX XXXX XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I acknowledge that there were late payments on the mentioned accounts, and I take full responsibility for the delays. However, I want to emphasize that the accounts have been closed and settled. The late payments occurred in the past, but I have since addressed and resolved these issues by closing and settling the accounts in question.
Consumer complaint received 2023-12-19
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nelnet, Inc. (CA)

I am filing this complaint to bring to your immediate attention a matter of utmost concern regarding the inaccurate reporting of my credit information. Despite multiple attempts to address and rectify the situation, I am still facing serious discrepancies in my credit report, which are adversely affecting my financial standing. I am extremely annoyed and frustrated by the repeated negligence in addressing my disputes. The inaccurate information on my credit report is causing severe damage to my creditworthiness and overall financial well-being. I demand an urgent and thorough investigation into this matter. It has come to my attention that these accounts contain late payment markings that are not accurate. The late payments were a result of an error made by the bank in sending statements to the wrong address. The bank has acknowledged this mistake and has agreed to update the accounts to " open/never late '' and remove the late payment markings. The accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also please take note that I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Consumer complaint received 2024-04-13
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. (NC)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here.
Consumer complaint received 2023-12-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AR)

I purchased a Vanilla Gift Card/Incomm Card on XXXX in the amount of {$250.00}. Immediately following purchase while in the parking lot of merchant I called Vanilla Card to activate card. They told me that there is an issue with the card and they could not activate it. I was told I would need to open a Case and would need to email all documents needed ( proof of purchase, valid DL, current proof of residence ). I submitted all requested documentation and was told I would receive an email or phone call once they reviewed information. Since the day of purchase XXXX I have called customer service approximately 40 times and emailed on multiple attempts to request an update of what the issue is and requested a refund because I can not afford to wait on my money while they figure out the issue. Vanilla Card and Incomm Card have neither replied or called not one time to update me as they said. Both companies keep telling me I will need to wait another week for an update. The next week I call after I get no reply and they tell me the same thing. I have requested to speak with the department in charge of handling issues as such ( investigation department ) or an email to reach them but am told they do not have that information and would just need to wait another week. I work hard for my money as a single parent and dont have much of it and just want a replacement card or a refund.
Consumer complaint received 2024-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am writing to formally dispute several errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : -- XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Westlake Services, LLC (NC)

On XX/XX/2023 I sent a debt validation letter to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX. Today I receive a letter in the mail from XXXX stating that they are a debt collector and request that I pay a debt that was sold to them by US Auto finance , inc who is out of business and disputed the contract agreement we had. In turn I do not feel this debt is valid in the event that US Auto finance sold the debt to XXXX and breached the contract by not honoring the vehicle service contract or gap warranty I was paying for in my car payment every 2 weeks. In the letter I received today XXXX XXXX XXXX provided me with a new address to dispute the debt.
Consumer complaint received 2023-12-16
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc (CA)

Transfer to " XXXX XXXX. ", XX/XX/23, {$50.00} via the business Chime. 
Chime apparently sent the money to some XXXX XXXX XXXX ' that had a Chime account, and NOT to the only " XXXX XXXX '' in my contacts, XXXX XXXX, resident of XXXX, XXXX. ( Note the ". '' in Chime 's recipient name. This may be significant. ) Chime app said that it contacts intended recipient, for recipient to give banking # XXXX, if they are not already a Chime account. 
First solution offered via Chime was to contact " XXXX XXXX. '' via the original transaction, and ask, whoever or whatever " XXXX XXXX. '' is, to please return funds erroneously sent to them. I did so. More than a week and no response. 
I filed XXXX disputes with Chime about the original transaction. I explained that " XXXX XXXX '' received XXXX contact or funds via Chime, and that " XXXX XXXX. ", whom Chime sent funds, was not " XXXX XXXX '', or, more fully, " XXXX XXXX '' that existed as the only " XXXX '' in my contacts. I explained that Chime never asked nor confirmed by asking about confirming phone or email or banking contact that they had the correct " XXXX XXXX. '' Chime " denied '' both disputes within a few hours with no explanation. 
I, perhaps foolishly, assumed, that as I had only XXXX " XXXX XXXX '' ( spelled out, " XXXX XXXX '' ) in my contacts, that that was to whom Chime was sending the {$50.00}. 
XXXX a fraudulent scheme where accounts are created with common first name and XXXX versions with first letter of last name : XXXX XXXX XXXX ', XXXX XXXX. ', XXXX XXXX ', etc.
Consumer complaint received 2023-06-21
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST UNITED BANK AND TRUST COMPANY (TX)

On XX/XX/XXXX, in a XXXX XXXX XXXX  meeting advertised under the XXXX XXXX chambers of commerce, a representative from First United Bank XXXX XXXX mentioned that the bank has community outreach that I can put business cards there on XXXX XXXX, I paid a visit to their branch at XXXX and I met XXXX XXXX, who claimed herself the assistant manager with XXXX on the spot. They talked about having free books there, and said selling book there putting promotional stuff apart from business cards. Based on what they said I decided to open an account. 

On XX/XX/XXXX, I brought the documents with my husband XXXX XXXX to open an account that is a checking account to try the service. I then talked to XXXX and noticed that her title is Senior Relationship Banker, about try to sell my book there and she offered to sell but with money donated to the school district. I then said that I contacted XXXX XXXX XXXX XXXX already that I will donate to them. She then said that they can set up a donation fund but start XXXX, putting the sales of the book to it and have the bank presented to the library. They will do a 3 month period. I then told the library the arrangement. 

XXXX originally said that she would be in the bank for my opening of account suddenly told me that she couldnt be there. After I Left the bank, she texted me in minutes saying I can put my stuff on XXXX branch as I have a clinic /office at XXXX Our texts communication : Hi XXXX XXXX I have a question : years ago, I coauthored a book with XXXX XXXX XXXX XXXX XXXX XXXX ) and other authors. I wonder if I can have donation sales in your bank and have your bank presents the donation to XXXX XXXX in XXXX which is a sub chapter of XXXX XXXX XXXX. And I have in Print-outs. 

I spoke with our Spend Life Wisely Ambassador who manages the books and donations and she mentioned we are not able to display books that have not been approved by corporate. Im sorry I know XXXX was trying to help out but I dont believe its something were able to do. 
We are more than happy to use you as our local spotlight at our XXXX XXXX or XXXX location still! 

I Open an account not because I want to be a spotlight although this is their offer on XX/XX/XXXX. 

I believe it is a misrepresentation and fraudulent business practice. 

Who can trust that they will allure me to purchase their services by saying that I can be the spotlight and later will eat their words after getting my money? 

This is the core of whats happening my husband XXXX XXXX can be a witness. I can understand a corporate decision on book stuff but not to cheat to get business. 

If this can not be resolved satisfactorily, I will file a complaint to federal reserve too!!!
Consumer complaint received 2023-12-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY (AL)

my mom filed bankruptcy XXXX years ago. i was a co signer on a wells fargo credit card ending in XXXX for the past XXXX years wells fargo or XXXX  failed to report the account on my credit as a charge off. on XX/XX/XXXX, the charged off account from XXXX suddenly is on my credit report, with an end date of XXXX ( XXXX  years ). this is is totally unfair. it's was charged off in XXXX and would be falling off this year, instead they are ruining my life for five years. i don't see how this is legal, to just add a charge off to my credit XXXX years later. it's been hard through covid and im XXXX and need help. if you check my credit you will see that i never have missed a payment on anything, including the charge off. my credit score plummeted and i need it to survive. please help me. its not right to report a charge XXXX years after its been charge off. please help
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MI)

Inaccurate personal information also information that I have contacted all three credit agencies about debts that are not mine my identity was information was compromised, my bank account information was compromised and stolen we lost XXXX bank never alerted us about the big charges but call us on a XXXX charge to see if it was us but never minded the large charges