davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ingenuity RM, LLC (ND)

I owed medical bills about $ XXXX have been paying bi-weekly {$100.00} since XXXX. Never missed a payment once, nor have I ever been late with XXXX payment. I asked if I can have my payments put on hold for XXXX months while I get back on my feet because I fell into hard times. Ingenuity RM told me that they would work with me but I'm at risk of going into wage garnishment if I didn't keep in contact with them in XXXX months. I NEVER received any paperwork in the mail or a phone call from Ingenuity RM stating they were going to start with garnishment. When I spoke with Ingenuity RM they stated that papers were filed and sent out XXXX month after I put payments on hold to start garnishing my wages when they clearly stated they would work with me and wait the XXXX months. I'm sure their calls are recorded. Also my employer didn't make me aware when they received papers. I was completely unaware of this. Today XX/XX/XXXX is the first time I was made aware of what is happening because I spoke with my employer and asked why so much was taken from my check. My employer responded " it's a garnishment from the state. '' When I got paid this last XXXX  XX/XX/XXXX my check was significantly lower than usual I never got any notification in the mail I was going to be garnished my employer never let me know and now Ingenuity RM is telling me it's too late they're going to continue to garnish my wages 25 % even though I already paid at least XXXX if not more. the amount of the debt I have owed in the first place was XXXX and something since I started making payments. they will not let me start a new payment plan even though they agreed to let me put my payments on hold for XXXX. Also they are not willing to drop garnishment to 10 %. Please help! I can not live off of the money I'm receiving now that they are taking a majority of my check. They take 25 % before federal and state taxes and XXXX, Social Security, my health-care medical from employer. Then I'm getting deducted from all of the other things I listed above. This shouldn't be legal. I've paid way more then the amount of debt owed XXXX And Ingenuity RM are saying I still owe $ XXXX. I'm not even sure how much interest I'm being charged on all of this everyday. I really need help moving forward. Please!
Consumer complaint received 2021-03-19
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Pendrick Capital Partners (OK)

Ive told them to stop calling, its illegal for them to have my underage sons medical information and they wont stop. I do not owe the debt, it shouldve been covered under XXXX. 

They have also tried to text me and get me to confirm my identity in sneaky ways such a saying they were someone trying to get my address and name for a wedding invitation. I believe this company has went too far and should have to remove my debt. That is an illegal practice.
Consumer complaint received 2023-06-26
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. (NJ)

This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC (CA)

A Destiny XXXX was opened up in my name using all personal information, I have never signed up for any card from this company. The account number last 3 ending in XXXX I will call the company tomorrow, to get this cancelled asap. This is Destiny XXXX Phone number is XXXX
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FlexShopper, Inc (NC)

Company called me numerous times to collect on debt when I had reached out previously to make payment arrangements, didnt honor payment arrangement previously made, failed to adhere to revocation of ACH debits/initiation of auto charges to cards on file that were previously supposed to be removed and written requests to stop the initiation. Illegally continued attempts to auto debit all cards on file and initiate ACH drafts to an account that was closed.
Consumer complaint received 2023-10-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

I reached out to the company 3 times by certified mail requesting validation of this debt. I requested that they send me proof that this is my debt. I requested the original contract baring my signature, my address, my social security number. I also the following Agreement with your client that grants you the authority to collect on this alleged debt.

Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.

Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector.

Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful. 

My request was sent certified mail on XX/XX/XXXX and XX/XX/XXXX and as of today they have not provided me with any of this information and are still reporting negative and inaccurate information to the credit bureau.
Consumer complaint received 2023-12-26
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)

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-10
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (TX)

I received an inheritance money order from XXXX XXXX XXXX  in XXXX Florida, From my XXXX  XXXX XXXX 's estate, and Chase Bank has it on a fraud hold because of the amount. We have been trying to work with them to get them to release at least some of the money and they refuse. we are getting food from food banks and they're letting our bills go into overdraft and charging overdraft fees while holding onto our funds. My XXXX  and I had an anniversary on the XXXX of XXXX and we couldn't do anything because they're keeping all of our money.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I am submittig this CFPB Complaint to bring a concerning matter to Equifax 's attention, as it has had a severe impact on my creditworthiness. It has come to my notice that there are accounts that are only reporting on my Equifax Credit Bureau, and the information being reported is outdated and misleading. I have not been able to find any traces of these accounts with other credit bureaus, which raises questions about the accuracy of this reporting. The following accounts are erroneous and should be removed for erroneous and misleading reporting : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am deeply troubled by the inclusion of these accounts on my Equifax credit report, as the information Equifax presented are inaccurate and does not reflect my current financial status. I have diligently reviewed my credit reports from other major credit bureaus, and these accounts are notably absent from their records. This inconsistency raises significant concerns about the legitimacy of the information being reported only on Equifax.
Consumer complaint received 2024-03-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Hey there, I'm reaching out because Bank of America terminated the merchant agreement and closed our account for the business, XXXX XXXX, on XX/XX/year>. They have provided no explanation for the termination and that has detrimentally affected our business ability to run. 

Weve been a loyal customer of Bank of America for over 20 years. No warning, no explanation - and our account with them is gone. Considering theyre the only payment terminal partner accepted by our web hosting company, XXXX XXXX we're unable to operate as is and receive payments. 

After termination, I was told Bank of America " will no longer process credit, debit, or prepaid card transactions that were submitted to the merchant account. They also notified me that I needed to move funds due to account closure. We were only given 2-3 days to do this which has left our business without a way to process transactions It truly feels like were fighting an uphill battle against a whole monopoly when it comes to Bank of America XXXX We really need some help in dealing with them. 

Ive tried continuously to get answers from them on the reasons why, but no one has been able to provide a response for and how to pursue next steps. Ive been calling/emailing for days just for some clarity. I would like help getting the account reopened and help on pursuing on answer on any guidance to move forward. 

Merchant account number : XXXX XXXX, XXXX XXXX
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2024, I received my monthly credit report update from XXXX, which my FICO XXXX score was XXXX and had all of my accounts on it. On XX/XX/2024, I received an email from XXXX and XXXX that my score dropped XXXX points. When I checked the report it only had my new XXXX XXXXXXXX XXXX XXXX but my entire credit profile was now GONE. I contacted Transunion and the rep assured me that everything was still the same and that nothing has changed from the XXXX credit score report. Then a few minutes ago I received an encrypted email from Transunion with an updated credit report, which only showed 1 account on it. I need my preexisting credit profile back! XXXX accounts are now missing.
Consumer complaint received 2024-03-02
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Byrider Franchising, LLC (CO)

CNAC sent me a letter stating they have furnished inaccurate information to the credit reporting agencies. I sent letter demanding it be deleted off my credit report and made my claim with their company. Silence is what I received as a response. I have enclosed the documents that are a burden of proof.
Consumer complaint received 2024-10-02
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)

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

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

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Consumer complaint received 2018-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

In XX/XX/XXXX, I had contacted Navient to change the loan type to a graduated interest 30 year loan. At the time, I was told that it didn't make sense to consolidate my loans, because I'd essentially be paying the same amount every month regardless. Additionally, I was informed that the loan qualified for the Public Service Loan Forgiveness Program. I inquired about this since I was XXXX at the XXXX University of XXXX XXXX  as an XXXX, and was working full time at the XXXX XXXX XXXX XXXX/XXXX ( XXXX  ). 

Three years later, in XX/XX/XXXX, I attended a financial health workshop during the XXXX XXXX XXXX XXXX 's XXXX  XXXX conference. At that time, I was informed by the facilitator that my loan in fact DID NOT qualify for the the Public Service Loan Forgiveness Program. I was provided information regarding which loan types qualified, the need to have all of the loans consolidated, and that I needed to certify with my HR department at XXXX of my full time status every year for 10 years, and needed to make 120 on time payments. As a result, I paid on loans for three years without it counting toward the 10 year period for the Public Service Loan Forgiveness Program. 

Early last year, I consolidated my loans. However, it appears that the amount of the consolidation is more than what my total amount of loans were. 

I only recently learned that New York State has joined a class action suit along with XXXX against Navient, and hope to be part of that suit. In the interim, I'm hereby lodging a formal complaint against Navient and its mishandling of student loans and providing false information to borrowers.
Consumer complaint received 2024-02-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (TX)

Went to make changes to my checking/savings account early XX/XX/year>. The change was to add my trust as beneficiary. They told me I could not but added to my checking as account owner. Paperwork was signed and I went on medical leave XX/XX/year>. 

In mid XXXX during my medical leave and unable to drive I was requested to come sign additional paperwork or my account would be closed. I ask for an extension given the circumstances and ask to file a complaint. Both fell on deaf eyes. 

I drive myself to the bank location neatest me to sign the paperwork required but no notary was available. 

I was able to make it to the bank location where I originally signed the paperwork on XX/XX/year> to sign the required paperwork and my checking account was closed the next morning. 

I spent the next morning of XX/XX/year> attempting to get the checking account reopened. The person who originally handled this issue was XXXX XXXX at Wells Fargo Bank at the XXXX XXXX TX located on XXXX XXXX. The branch manager never stepped in to help which I would have thought would have helped and added more urgency to the situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Consumer complaint received 2023-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I noticed inaccurate information on my credit file, and I submitted a disputes in XX/XX/2023 and XX/XX/2023 to all three-credit reporting agency, I never received a response back regarding my investigation.
Consumer complaint received 2024-03-04
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Alliance Collection Agencies, Inc. (WI)

On XXXX they called my cell phone I called back told them they were notified repeatedly not call my cell phone the guy claimed he was in compliance department said he'd mark it and hung. Claimed they can call anytime a new account hits
Consumer complaint received 2024-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc (MD)

On XX/XX/XXXX, XXXX charged me {$240.00} twice on XX/XX/XXXX ( totaling {$480.00} ) : I called them and they stated to reverse it would take them 30 days and then theyd issue a check because I paid off my final contract bill and switched to XXXX XXXX XXXX  and I was no longer a customer. I contacted Chime and filed a dispute for the duplicate charge on XX/XX/XXXX. On XX/XX/XXXX, Chime provided a provisional credit of {$240.00} for one of the two charges. Then a representative from XXXX called me on XX/XX/XXXX and stated she spoke with her manager and he is able to reverse the duplicate charge and he did so that day and the money immediately showed back up in my account. On XX/XX/XXXX Chime then reversed their provisional credit from XX/XX/XXXX for {$240.00} ( listed as adjustment on my account ) which was correct since the merchant refunded me. Chime then charged {$240.00} on XX/XX/XXXX and listed it as an adjustment. I called them on XX/XX/XXXX and a representative filed a dispute and I was issued a provisional refund of {$240.00} on XX/XX/XXXX. I was then charged again on XX/XX/XXXX and the explanation was the same from the initial reversal. Ive spoken with them every three days since and Ive been told they are still waiting for an update from the investigations team although the turnaround time is 3 business days. As of today they havent resolved it and each time I call someone says theyre sending a message to either escalate it or follow up but Ive not received any permanent resolution for the duplicate adjustments.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Holloway Credit Solutions (CA)

HOLLOWAY CREDIT SOLU XXXX XXXX XXXX XXXX, AL XXXX Send me a debt validation letter with a signature that was not mine and drivers license that was not me. They can not prove this account belongs to me and if must be removed immediately.
Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (PA)

I recently applied for a platinum credit card from Amex on the online website which I know they run an automated system to approve and decline applications. I have a little problem with the denial which I gave a security which is collateral and I received no consideration for my value. In this process there was an offer acceptance and consideration which is a legal binding contract and a denial shouldn't even be a factor. According to American Express Issuance Trust ll as issuer and XXXX XXXX XXXX XXXX XXXX XXXX as Indenture Trustee and Securities Intermediary dated XXXX XXXX XXXX in the granting clause as stated, The issuer hereby grants to the Indenture Trustee for the benefit and security of the note holders and the indenture trustee, in it's individually capacity, a first priority security interests in all it's rights, title and interest whether now owned or hereafter acquired in and to the following ( i ) thru ( xiv ). It also states that the security interests in the collateral is granted to secure the notes. The agreement of parties also states for the establishment of the terms and conditions upon which the notes are to be authenticated issued and delivered and in consideration of the premises and the purchase of the notes by the holders thereof, it is mutually covenanted and agreed as follows for the equal and proportionate benefit of all the holders of the notes. For more information about the collateral pursue to the same Indenture dated XX/XX/2018 Article 2. Now with that said I gave you a collateral which was something of value which the trustee got security interests in the collateral and the underwriters also got consideration pursuant Amex underwriting agreement and I was denied my consideration and the reason was of a XXXX score that they got from a third party which was XXXX evidenced by an Amex inquiry on my credit files now according to Amex prospectus XXXX it states that they get they XXXX score for a third party but also says that they cant verify the accuracy of the XXXX score so at this point they are commenting secure fraud they got a security which they get security interests and a grant which is value and gave me nothing back in consideration over a XXXX score they state they can't verify the accuracy of which really doesn't have anything or was not on the binding instrument I furnished as a requirement. I have read Amex indenture, trust agreement, transfer agreement, servicing Agreement and pooling and service agreement and understand all.
Consumer complaint received 2024-03-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am XXXX XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.