davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Early Warning Services, LLC (CA)

How can Early Warning Systems say they investigated and validated the item with XXXX XXXX XXXX, when XXXX XXXX XXXX per the attached letter says they do not have any bank records. 

Early Warning Systems, this is your Early Warning to please delete the items related to XXXX XXXX XXXX. 

See attached supporting documents. 

cc : XXXX XXXX XXXX XXXX, Consumer Protection Attorney XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX
Consumer complaint received 2023-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CO)

I have repeatedly contacted ELAN FINANCIAL SERVICE to dispute an inaccurate debt they are reporting as belonging to me. I have requested verification of the debt on several occasions and the company has refused, saying they do not need to verify anything with me. I requested they only contact me by mail and to provide a verification of debt as recently as XX/XX/XXXX by calling them at their listed contact of ( XXXX ) XXXX and again was refused verification. I have disputed this with XXXX and XXXX, where I was informed that they don't actually require any documentation of the debt to confirm it's legitimacy, they just rely on the company stating the debt is verified. All my disputes are marked as debt confirmed but have no documentation attached. I believe this is a wilful violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2023-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (CA)

I haven't had a checking account with XXXX since I was XXXX XXXX XXXX XXXX ( XXXX ). Their was some problems with an account where it was closed down due to overdraft from a dispute. I paid then off within the next couple months XX/XX/XXXX. The account was settled, then I received a check a couple months later stating i overpaid, then all of a sudden i owe them again and have to repay them possibly a year later? 
XXXX is reporting checking account fraud when that was never the case. My first chase account was closed due to an unauthorized charge and my second was closed due to the dispute disagreement which led to overdraft. 
I do not appreciate being lied on and having my report tarnished where it affects my other banking business going forward. I would appreciate to have that report removed before considering legal pursuits. 
This is clearly not appropriate banking procedures and this corporation needs to be shut down.
Consumer complaint received 2023-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CT)

In XXXX and XX/XX/XXXX, my credit report inaccurately stated that I was 90-120 days late on my federal loan, as reported by XXXX XXXX, my loan servicing provider at that time. This misinformation persisted despite the fact that I had been granted a deferment period from XX/XX/XXXX, to XX/XX/XXXX, as confirmed in an email from XXXX XXXX. The deferment was initiated because I enrolled at XXXXXXXX XXXX XXXX, and the college duly notified XXXX XXXX about my enrollment status.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PA)

{$500.00} was sent through Western Union to XXXX. The email containing the tracking number was hacked. A XXXX agent released the funds to a person who was not the designated recipient. When I contacted Western Union, they claimed their records showed the funds were released to the correct person. There would be no refund. I was to get the funds back from the person who collected them. I have no idea who that was.
Consumer complaint received 2024-02-11
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: General Motors Financial Company, Inc. (KY)

I have disputed through transunion, XXXX, XXXX. It comes back accurate for this account through GM Financial. Account # XXXX. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting GM Financial to provide documentation and or contract with my signature on this debt and they have not responded. I will attach XXXX of the letters I have sent with this complaint.. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit badly. Thank you
Consumer complaint received 2024-04-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: GOLDEN 1 CREDIT UNION, THE (CA)

Ive had credit card fraud with XXXX, XXXX, golden 1 and XXXX XXXX XXXX. Ive put a freeze on my credit for XXXX XXXX and XXXX.
Consumer complaint received 2022-11-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I received a call from Chase bank at XXXX XXXX on XXXX saying there was fraudulent wire transfer. I was asked to sing into any desk and chase. The person sent XXXX to XXXX XXXX in Florida. Chase said it is not fraudulent activity and won't help me
Consumer complaint received 2024-02-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

This debt is from a XXXX XXXX XXXX Bank and was sold to Portfolio Recovery I have been able to have this item removed from my XXXX credit report but they refuse to remove from my XXXX XXXX and XXXX reports
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A. (CA)

On XX/XX/2023 I sent a letter to XXXX XXXX to remove an alleged account from my consumer report that was the product of identity theft. I have not received a response nor has XXXX XXXX complied with my request which has been more than 30 days and is in violation of 15 U.S.Code 1681i ( 6 ) ( A ) and 15 U.S.Code 1681i ( a ) ( 1 ). 
Attached is the letter that was mailed on XX/XX/2023 and an updated FTC identity theft report.
Consumer complaint received 2024-04-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery Associates LLC, is trying to collect debt that is as removed from all three credit reports due to statute of limitation. This debt was written off by XXXX XXXX then recently removed from all three credit reports. Now this collection Agency is trying to collect debt that I no longer owe. This his debt isnt being reported on any credit report either.
Consumer complaint received 2023-08-11
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: EQUIFAX, INC. (FL)

State of Alaska Department of Revenue Child Support Services Division ACC # XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumers reporting agency can not furnish a account without my written instructions
Consumer complaint received 2024-02-07
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 (GA)

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy to 15 USC 1681b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Consumer complaint received 2023-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (FL)

This Account belongs to a Company it is a Corporate account. It has been open for three years now it was never reported to my personal credit. Now out of spite because the account was 30 days late the bank has reported onto my personal credit.
Consumer complaint received 2020-06-16
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. (FL)

MY NAME WAS USE TO GET MEDICAL PROCEDURES DONE ALSO USE FOR A LOAN THAT IS FRAUDULENT IN MY NAME SOMESONE USE MY SOCIAL SECURITY NUMBER ALSO HAS MY PERSONAL INFORMATION I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2022-12-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (OH)

We can not begin to describe the level of incompetence and disgrace that has arisen from our experience with Mohela. Horrific. 

I had applied for PSLF forgiveness ( to include XXXX ) on XX/XX/2022. That would have qualified for the 120 months worth of forgiveness according to my qualifying count on both Studentloans.gov and XXXX prior to the transfer to MOHELA. All we needed was for Mohela to count the twelve payments over the last twelve months since I was with my employer ( and still am ) for the entire duration of that time. Thats it. Count to twelve.

However, we were told it would take 90 days to do so. Regardless, on XX/XX/2022, we called Mohela to check on the status of our loans and spoke with XXXX. XXXX verified the form submission and all details filled out were correct. 

However, on XX/XX/2022, MOHELA erroneously submitted a response stating Your employer provided an employment end date on your PSLF Form that is more than 60 days prior to the date we received your form. Therefore, we are unable to confirm if you are still employed with that employer. You must be employed full-time by a qualifying employer when you apply for and receive forgiveness under XXXX or XXXX. 

1. This is patently false. If MOHELA had bothered to check the form submission which can be found on their own website, they would see that the employer certification, the employee signature, and the received date are all the same : XX/XX/2022. It does not take an inordinate amount of effort, let alone 90 days worth of effort to do that. 

2. It is irrelevant. As long as I was employed on XX/XX/2022, that would have constituted the full 120 payments per the prior qualifying counts as confirmed by both Studentloans.gov and XXXX XXXX. 

It is unbelievable that something like this has to involve so much complication and quite frankly shear incompetence over such an inordinate duration of time. This is egregious and contravenes Congress and the Presidents intent for the program. We will be sharing this information with all prospective legislators who represent us. 

XXXX recently reached out to us - along with other lenders- and offered monetary settlements to account for their previous bumbling of student loans. You would think MOHELA would take note, but clearly they have not. 

Request MOHELA go back and perform this check in accordance with the mandated standards and processes as required by law.
Consumer complaint received 2023-06-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Credit Services, Inc. (SC)

In mid XXXX  ( XXXX ) we moved into our apartment, got offered through the company XXXX XXXX for water deliveries, coming straight to the door and a water dispenser. Had them for about a year and found out I was deploying in XXXX of XXXX so I moved my wife back to family in Florida transferred the account where we continued the account for about 5 months before my wife moved back up because I was coming home. Canceled the account in that process and verified on multiple accounts that our account was paid in full and that there would be 0 surprise bills, all were negative, everything was paid, and no bills would come. Now, we've been getting calls from a debt collector saying we owe XXXX of dollars, we owe on the water dispenser, we owe for late fees, and the company can't even get into our account to tell us what it is we owe on. I've looked into this problem through XXXX XXXX and it has apparently happened to multiple people, same problems cancelling accounts, somehow months later their account isn't cancelled its suspended for missed payments. I would like this to be solved to prevent scares to other people who as well thought this would be a great deal.
Consumer complaint received 2023-05-25
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. (MI)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 2022-12-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Convergent Resources, Inc. (OR)

they keep calling me. They will NOT tell me WHY they are calling, nor will they even tell me what their company does. They insist they can not tell me what they do or why they are calling me unless I give them personal information. I have made it very clear I'm not going to give them any personal information without knowing what they do or why they are calling me. I have told them to stop calling because they will not tell me why they are calling and I will not give them personal information without knowing why they are calling me. They continue to call demanding personal information from me. the only thing they will tell me is the name of the company " Conversion Outsourcing '' and won't even say they are a debt collection agency. I googled them and found out they collect debts. I don't have any debt that is in collections, so don't know why they would be contacting me demanding personal information. I want them to stop calling or at least tell me WHY they are calling so I can address, possibly they have the wrong person? but they won't tell me so in that case i've asked them over and over to stop contacting me, but they keep calling.
Consumer complaint received 2023-06-22
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (MI)

OnXX/XX/XXXX, using Zelle through my bank 's app ( XXXX XXXX XXXX ), I attempted to transfer funds to my spouse. Unfortunately, the phone number was off by one digit and the funds went to an unknown individual. I contacted my bank the next day ( XX/XX/XXXX) to begin an investigation to recover the funds. I received a letter from the bank dated XX/XX/ stating that " the funds were not available to reclaim from the receiver. '' On XX/XX/, I contacted my county 's sheriff 's department to file a complaint/case. I received a call from a sherrif 's deputy on XX/XX/XXXX stating they could not identify the person to whom the funds were sent and thus could not recover the funds. In between these dates, I attempted to contact the number to which the funds were sent via calling and texting with no response.
Consumer complaint received 2022-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc. (WA)

I am in the process of disputing a entry on my Experian XXXX report for my vehicle VIN # XXXX. 

The report ( attached ) indicates that my car has a odometer problem due to the following entry : " XX/XX/XXXX XXXX XXXX XXXX  XXXX miles Auto Auction REPORTED AT AUTO AUCTION '' This entry is clearly incorrect as the prior entry made on XX/XX/XXXX shows XXXX miles and the next entry made on XX/XX/XXXX shows XXXX miles. 

Moreover, I have run a XXXX report ( attached ) on this vehicle which has no record of this incorrect odometer entry. 

I would like XXXX to resolve this issue by removing this incorrect mileage entry. The incorrect odometer entry in the XXXX report for my car has significantly reduced the resale value of the car and financial damage to me each day I can not sell my vehicle while waiting for XXXX to complete their verification. I would like for XXXX to address this issue as soon as possible. 

On XX/XX/XXXX I contacted XXXX via their customer support email and received an automated reply that XXXX # XXXX has been created. 

On XX/XX/XXXX I received a followup from XXXX customer support that " In answer to your inquiry, the event has been submitted for verification to our data source... please consider our time frame is 1-3 business days to deliver a response. '' As of XX/XX/XXXX after not receiving any further communication from XXXX I called their customer service number asking for an update on my case. The customer support representative informed me that they are still verifying the information from their data source and did not know when this could be completed. They stated that I could speed up the process by contacting the data source myself but after asking to provide the contact info for this data source they stated that this information could not be provided and all I can do is wait for them to complete their verification, which as I state again, has no confirmed XXXX or timeline. 

I find this response to be unacceptable given the negative repercussions consumers experience due to XXXX 's incorrect reporting.
Consumer complaint received 2022-12-30
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: Experian Information Solutions Inc. (CT)

XXXX XXXX and experian is reporting serval duplicate inquires that I didnt do and would not remove them especially XXXX and XXXX XXXX had a freeze on my accounts and yet not being notified if Im authorizing a creditor to obtain information I want all my inquires removed especially all the doubles triple inquires I have
Consumer complaint received 2023-06-28
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRUIST FINANCIAL CORPORATION (TX)

On XX/XX/27 Regional Acceptance used my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of Regional Acceptance I the consumer and natural person, was denied credit by Regional Acceptance. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. XXXX XXXX XXXXXXXX XXXX XXXX are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by XXXX XXXX  XXXX XXXX XXXX due to the response I received. XXXX XXXX XXXXXXXX XXXX XXXX is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.