davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-14
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. (NJ)

ive never authorized XXXX XXXX to check my credit i do not have an acccount with them they and equifax REFUSE to help me to remove from report!
Consumer complaint received 2022-05-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Account Control Technology, Inc. (MS)

I received a letter only, never a call from a collection agency about a debt for tuition. I had federal financial aid for the courses but the school returned the aid when I could no longer attend due to XXXX. The school never sent me correspondence or called about the debt so I did t know it existed until XXXX when I received a letter from a company requesting the money. I sent the collection agency a letter disputing the charge as I had spoke to the school when I withdrew and was told everything was fine and no one from the school mentioned a balance. The collection agency did not respond to my request for supporting documentation and this date I received notification from all three credit bureaus that the account was in collections. This is low affecting my credit score yet I had no opportunity to review documentation supporting the debt. The school was XXXX University and the debt collector is Account Controls Technology. 

I have worked hard to protect my credit and this is u fair reporting as so should have been afforded the opportunity to review the supporting documentation of the debt to determine my responsibility.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XX/XX/2022 I requested that XXXX savings accounts I opened for my children be closed due to the fact that they were being repeatedly subjected to XXXX XXXX monthly service charges for low balances. On that call, after the agent reversed the fees, I transferred out all balances showing on the screen and asked the agent to close the account. The agent noted that there was {$.00} remaining on XXXX account ( likely due to interest that had accrued but not yet posted ). The agent moved the XXXX XXXX into my checking account, thereby creating a negative one-cent balance in the account, and keeping the account open against my wishes. 

The negative balance ( which I did not ask the agent to create, and which kept the account open unbeknownst to me ), was then offset by {$.00} in interest. At this point, there was a XXXX balance in the account ( that I didn't want open anyway ). However, simultaneously to the interest posting, BofA charged yet another {$8.00} fine even AFTER I had requested the account be closed. 

Upon calling to request a refund, the bank left me on hold for over 30 minutes while trying to reach a supervisor to address this. The bank refunded the fees, however, this was due only to me having the time and patience to call the bank and force them to address the problem.
Consumer complaint received 2024-04-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: ALLY FINANCIAL INC. (WI)

In XXXX of XXXX I had a credit card. It was a XXXX credit card. It was transferred to Ally bank. Since the day they transferred it Ive had no access to my account I have contacted them about XXXX times to resolve this issue. They tell me there will be someone contacting you. Well Lets just say, no one I mean no one has ever contacted me.They keep lying to me saying they will fix it and never do. I haven't received no statements for my account until XXXX of XXXX. I dont even know how much my bill is every month I have to call them to make a payment. They sent me Ally credit card I activated it. Try to sign up on the website. I cant. Says I dont exist.So I dont know what to do. This company is XXXX!!!!! I'm thinking about getting a XXXX to file a lawsuit against them, If nothing gets done. This is total BS That I have to go through this. Very Stressful.Please help me I cant deal with a company that does nothing but lies to me. I have no documents to show anything because they cant give me any details whatsoever. 
Thank you,
Consumer complaint received 2022-05-28
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

The XXXX credit bureaus have continued to allow the reporting of this XXXX XXXX Account to remain even after doing an investigation numerous times. The E-Oscar system is flawed & if this account isnt erased from my credit reports then I will be seeking my financial repair through legal action because an original creditor is not supposed to report a past due balance on a sold account. The bureaus wouldve known that had they done the investigation properly, this account has been reporting on my credit report inaccurate for some years & it needs to be deleted per the FCRA
Consumer complaint received 2022-05-28
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: Bread Financial Holdings, Inc. (NY)

The items I have identified are inaccurate and were not authorized by myself. 

An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX An inquiry that was NOT authorized by me is reporting on my XXXX report on XX/XX/XXXX, from XXXX XXXX
Consumer complaint received 2017-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MI)

I have provided two written notices of dispute with Americollect. I have requested validation of the debt and this company has only provided a copy of charges. In have only disputed XXXX debt of {$61.00}, {$61.00} and {$120.00}. All three of these alleged debts show on my consumer credit report multiple times for the alleged accounts. The alleged debt for {$120.00} shows XXXX ( XXXX ) times for XXXX account. I have not been provided any documentation with my name, signature, or idenification to validate this debt. These debt are not mine and this company has not completed the proper investigation,
Consumer complaint received 2022-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (PR)

My name is XXXX XXXX XXXX. I live in XXXX, XXXX XXXX. 
I have an Account in Coinbase. My investment objective with Coinbase was for long term which makes this account for me an account that I do not monitor frequently. On Wednesday last week ( XX/XX/XXXX ), I logged into the account, and I realized that all the funds were not there. I immediately called Coinbase to ask for explanations and when we were analyzing the transactions, we realized that on XX/XX/2021 all the funds were withdrawn from an unauthorized account from a bank called XXXX XXXX Bank ( address : XXXX XXXXXXXX XXXX XXXXXXXX, WA XXXX, United States ). This bank account does not belong to me and its from another state far away from where I live. I immediately told the Coinbase representative over the phone that I need them to fix this. 
They gave me the Case # XXXX for further follow up with them, but they did not give me a course of action that they will take. It's been weeks and they have not contacted me. 
The amount stolen is {$130000.00} USD. I need help as this amount is big and Coinbase is doing nothing to obtain the funds. 
I filed a complaint with the XXXX XXXX police # XXXX. 
I respectfully request your help to resolve this situation.
Consumer complaint received 2019-11-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MD)

I am an individual currently in XXXX  school. I have been switching between being a part-time ( 6 credits ) and a below part-time ( 3 credits ) student starting in XXXX of XXXX. I have been attending the University of XXXX  XXXX XXXX, but have not take out any new loans for school. This is related to my older loans from receiving my XXXX degree and are in the repayment process. 

Several times now I have been in a period of interest forgiveness on my subsidized loans due to being in school part time. When I switch to below part-time I should be charged interest on my subsidized loans, I get that. 

The loan servicer keeps adding " Capitalized Interest '' amounts to my loan balance as a back charge for time spent below full time, even though it is during semesters where I was enrolled above full time. This happened on XX/XX/XXXX, which was the most charged and should have included 6 months of interest forgiveness on my subsidized loan as I had graduated XXXX of XXXX with my XXXX. It also happened on XX/XX/XXXX even though I was enrolled as a 6 credit student for the Fall XXXX semester. It also happened on XX/XX/XXXX even though I was a 6 credit student during the summer semester which ended in XXXX of XXXX. 

Each time this happened I called them to dispute. They always say it is based on the dates my school reports to the government on when I was a part-time student and I have to reach out to my school to update them. I reached out to my school, the confirm they have put the correct dates in the system. Navient won't budge, and now I am on the hook for hundreds of dollars in capitalized interest that should have been forgiven and I am also paying interest on that interest. 

Navient in no way shape or form notified me before adding these charges to my account, they just did it. They never provide an explanation of where the capitalized interest is coming from ( ie what dates it is covering ), and they just tack it on to the first statement after they apply it. 

This is an extremely unfair practice and I feel I am being overcharged by my loan servicer related monies that should have been forgiven. 

I will also make it clear that not only do I pay my loans, I actually overpay them even when they are in forbearance. There should be little to no interest on a monthly basis due to me paying them down every month. I can not wait to pay these loans off next year so I can be done with them, but everyone needs to be aware of Navient 's unfair and deceptive lending practices.
Consumer complaint received 2023-10-17
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: EQUIFAX, INC. (TN)

EQUIFAX TOOK THE FAX OPTION AWAY AND ARE TELLING CONSUMERS TO ONLY MAIL THEIR FRAUD DISPUTES. THERE ARE XXXX FRAUDULENT ACCOUNTS ON MY CREDIT FILE THAT I AM DISPUTING AT THIS TIME. I AM ATTACHING ALL DOCUMENTS TO THIS FRAUD DISPUTE SO YOU CAN SEND IT TO THE MAILROOM SO THEY CAN PROCESS IT.
Consumer complaint received 2022-05-28
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. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX 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. 

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 a account without my written instructions
Consumer complaint received 2022-05-28
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. (NJ)

remove hard inquiries,XXXX XXXX XXXX   4NQUIRIES,XXXX DXXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Risecredit, LLC (UT)

Rise Credit is reporting a loan on my credit that is not mine. I recently checked my credit and noticed a loan that I never opened. I contacted the police and filed a report because this account was open fraudulently & the case number is XXXX. I had contacted Rise to let them know that I did not open this account and someone was trying to steal my identity. They assured me that they would rid of the loan but they have not. This is not mine and it needs to be removed from my credit file. I have filed a report with Identity Theft as well. This needs to be removed immediately.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.
Consumer complaint received 2022-05-28
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

It all started when I tried to make a payment ofXXXX through XXXX 's automated system. There was a system error, so the automated system recommended that I make a one cent adjustment to the payment because the automated system couldn't process a payment of the same amount. Thus, the total was changed to XXXX. Bank of America took both payments from my account, so I called to dispute one of the payments. I talked to XXXX first to find out if both payments went through. Only one payment went through ( XXXX ), so I disputed the payment ending in XXXX There was even a three way conference with a XXXX rep and a B of A Soup so that there were no misunderstandings and some how B of A still managed to dispute the wrong payment. They disputed the payment ending in XXXX. Because of this mistake my XXXX account was cancelled on XX/XX/2017. Now XXXX wants more than the returned payment in order to reactivate the account in addition to the reactivation fees and prorated that will generate on the next bill. When I explained this matter to a claims rep he notated the account stating I would need help with the prorated charges and reactivation fees that would generate. I talked to another rep from the bank and she told me to fax proof of the amount XXXX needed in order to reactivate the account. I got the tangible info needed and sent a fax over to the claims specialist as instructed. I called a few days later to check the status of my claim in regards to reactivating, and he told me that b of a would not be paying me for anything but the returned payment not the result of their mistake. Right now XXXX XXXX is asking for XXXX in order to reactivate because the was a balance coming due XX/XX/XXXX of about XXXX. If this matter lingers ill be billed for the XXXX worth of equipment that I'm currently financing, I also lost monthly discounts such as free tablets and a discounted XXXX  that will become full price when the account is reactivated. I also had a grandfathered plan that was forfeited and will have to face a monthly increase of about XXXX dollars a month in order to get the features that I had before the account was cancelled. I want compensation for the entire account and the difference that I had to pay after losing my employee discount. I keep getting the run-a-round and at this point I just want a viable solution to a sticky mess that I don't believe I'm responsible for! 
Update : the account is now in collections and has been canceled ever since this incident.
Consumer complaint received 2022-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (NV)

Certified letters were sent to National Credit System at XXXX XXXX XXXX, XXXX Georgia, XXXX, tel. XXXX on XX/XX/XXXX and XX/XX/XXXX requesting that they remove an erroneous entry on my credit report in the amount of {$6800.00} and to date I have received no response. Certified letters were sent to XXXX XXXX and XXXX on XX/XX/XXXX requesting assistance. To date, I have received no response. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX which directed me to the FTC website then I was redirected once again to the Consumer Finance Protection Bureau for assistance.
Consumer complaint received 2022-11-07
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. (MA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: World Acceptance Corporation (GA)

In accordance with the Fair Credit Reporting Act the below account has violated my federally protected rights to consumer privacy and confidentiality under 15 USC 1681 : XXXX  XXXX 15 U.S.C 1681 section 602 A : states I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-05-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

So this person I have him {$1000.00} USD on XX/XX/2022 and after that he ended up sending me malware then blocking me on all contacts and I asked paypal to give me my money back and all they said was " We've closed this case as our review showed that this transaction was processed correctly and an amount of {$1000.00} USD was successfully transfered to the XXXX on XX/XX/2022 at XXXX XXXX  PDT. '' Paypal hasn't allowed me to submit another report about this nor allow me to submit a Disputes.
Consumer complaint received 2022-09-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Ready Capital Corporation (MO)

I have spent over a year and a half trying to resolve this with the mortgage company. I've been essentially gaslighted and lied to the entire time. I am successor-in-interest to my home, following my father 's death in XXXX, XXXX. It took me until XXXX, XXXX to establish this status, even though I have Joint Right of Survivorship on the deed, and all I did was send the same documents ( those they asked for ) over and over again, until they finally accepted them. When I finally get them to say I'm successor, they set a foreclosure sale date. So, I apply for a loan modification on XX/XX/XXXX, which is well in time for their 37 day time limit to the sale date of XX/XX/XXXX to have it fully considered. They said they have to respond, by law, in 30 days. I call, check the site, talk to multiple, multiple agents. I record all these conversations. And yet, 30 days is over. No response. Nothing. Won't respond. I desperately need help.
Consumer complaint received 2022-05-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC. (NC)

Sometime closer to the start of the year 2022 HALSTED FINANCIAL SERVICES begin trying to contact ( harass ) me about an alleged debt I have never heard or seen this company prior meaning its impossible for me to have a contract or any debts owed to them on XX/XX/2022 I mailed a CEASE AND DESIST letter out that I will also copy and paste here in this complaint and the letter was received on XX/XX/2022 via certified mail and no action or remedy was taken by the company on my behalf in fact they continue to send false letters with alleged debts on them below is the letter that was mailed and received : Cease and Desist Pursuant to 15 USC 1692a ( 3 ) I am the consumer Pursuant to 15 USC 1692c ( c ), I am notifying you, HALSTED FINANCIAL SERVICES, in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums, Pursuant to 15 USC 1692c ( c ) ( 2 ), I am invoking my specified remedy, as a consumer and the original creditor, and I am demanding all of the following : 1. XXXX out the balance on this account. 

2. I do not give HALSTED FINANCIAL SERVICES, permission to bring legal action against I, the consumer, as this would be a violation of 15 USC 1692i ( b ).

3. I do require you, HALSTED FINANCIAL SERVICES, to immediately remove information about this alleged debt from my XXXX, XXXX, and XXXX credit report which is a violation of 15 USC 1692c ( b ) and 15 USC 1692b ( 2 ).

4. I do require that you, HALSTED FINANCIAL SERVICES, satisfy demands within 14business days. Pursuant to 15 USC 1692c ( c ), this cease and desist notification shall be complete upon receipt.

5.7. Pursuant to 18 USC 8 all debt is the obligation of the United States of America I declare under penalty of perjury under the laws of the United Stat
es of America that the foregoing is true and correct. ( 28 U.S.C. 1746 ) Executed on XX/XX/2022 Without Prejudice By : XXXX XXXX XXXX XXXX XXXX. for XXXX XXXX
Consumer complaint received 2022-05-29
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. (NY)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX 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. 

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 a account without my written instructionsI