davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-22
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION ()

Hello, I already have one complaint with you numberXXXX regarding opening an account at the bank capitaone on my name but I can not choose my money and today I wanted to sign up for an account and I found out of this account number-XXXX  no longer exists, I want to know how Is it possible for someone to cancel my account and my money disappeared I have my as a fraud from someone from the bank capitaone? Thank you for your reply XXXX 's contact : XXXX XXXX
Consumer complaint received 2023-01-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (TX)

The XXXX XXXX XXXXXXXX attempted to take tuition payments directly from me after I withdrew instead of deducting the payments directly from the students ' loans. ( I currently have the Borrower Defense Application Against them ) I withdrew because the quality of education I received from the XXXX XXXX XXXX was extremely poor, the instructors would not help me and the courses I took at the school are pointless as my former and current employer will not accept them because the school is not accredited and the degree courses are not accepted in advancement of careers. What the XXXX XXXX XXXXXXXX is doing is illegal! You can not send student loan money in the form of a loan directly back to the lender and go after the borrower for collection. The XXXX XXXX XXXXXXXX broke the lender borrower contract without the me even XXXX would like the XXXX to remove the student loan information from my credit reports and cease collection of the all the student loan payments and interest for these courses that I can not even use to advance my career.
Consumer complaint received 2021-11-15
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (PA)

Victoria secret. I had bought XXXX XXXX worth of masks for wife n kids. Then lost a lot of jours at work i told them this i asked them isnt there anything they can do. No i was told no n they hit me with a XXXX late fee each time.
Consumer complaint received 2021-11-12
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: EQUIFAX, INC. (GA)

I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Consumer complaint received 2024-05-22
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: Velocity Portfolio Group (GA)

XXXX continues to report this account inaccurately and all but said they would not change it. Not only did they charge the account off but sold fraudulent information to a third party that they am have no authority to do so. The company is not listed with XXXX as someone that is sort of the business and alleging I owe a debt they know I do not is illegal. The security is being used on the primary and secondary market which makes it gain interest monthly and a simple contract is not means for repayment this is federal law. XXXX followed up with their policy and procedures but they do not override federal law specifically securities laws so either XXXXXXXX balance this account the way it should be or I will report this company for securities fraud under the whistleblower program through the SEC which govern publicly traded companies. I have you an investment as an investor I demand you pay me or release from this allege debt.
Consumer complaint received 2023-03-06
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: TransferWise Ltd (DE)

Hello. 

I wanted to report the damage that was brought to me by the WISE payment platform. 

They decided to close my account overnight without any kind of explanation .... 

Appealing to non-existent and untrue violated policies. 

I had had the account for over 2 years. 

I was receiving payments from the most serious and verified payment processors on the market XXXX and XXXX. 

From none of which I never received a refund request. 

They keep saying that I violate their policies, even though mine is a simple business of consulting and selling do services. 

They have done me a huge damage because now I will have to stop my business as I can not receive payments. 

I hope you can help me. 

Thank you.
Consumer complaint received 2018-09-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (SC)

I disputed before and these collections have once been removed and have now since been added back. I requested validation of debt and I have not receive anything. I also sent the letter certified to make sure it was received. I would like all the Medical Collections from XXXX removed from all my credit reports.
Consumer complaint received 2023-02-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc. (VT)

Summer of XXXX I was offered a bj credit card at a cash register while I was checking out The attendant asked if I wanted to use this BJs card for the purchase I said NO Thats the only interaction Ive ever had with BJs at this cash register in summer XXXX Never used a BJs card Never bought ANYTHING Never ever received a bill or a BJs credit card Then in XX/XX/XXXX received a bill for membership fee for BJs credit card I called said I dont have a BJs credit card never used a card and dont shop at BJs I continue to call the company about this unauthorized membership charge without resolution Please help
Consumer complaint received 2023-06-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (GA)

Dear Sir or Madam, Re : Request for Assistance with Creditor Collecting Unknown XXXX Plaza Services XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX I am writing to request your assistance in resolving an issue with a creditor that I have no known involvement with, they are attempting to collect a debt of which I have no knowledge. The details of my situation are as follows : I received a communication from the above-mentioned creditor regarding an outstanding debt. However, I have no record or knowledge of this debt, and I am concerned about the accuracy and legitimacy of the claim. 

Due to a recent notification from XXXX XXXX XXXX regarding a data breach, which my social security number and address may have been accessed without my consent. 

Upon receiving the initial communication, I promptly contacted the creditor to request detailed information about the debt, including the account name, address the amount owed, my signature, and any relevant documentation supporting their claim. 

Unfortunately, I have not received a satisfactory response from Plaza Services As a consumer, I am entitled to accurate information and fair treatment in accordance with the Fair Debt Collection Practices Act ( FDCPA ). Given the lack of response and clarity from the creditor. 

I am seeking the CFPBs intervention to ensure this matter is resolved appropriately. Specifically, I request the following assistance : 1. Verification of the debts legitimacy. 2. Provision of all relevant documentation supporting the debt claim. 3. Assurance that my consumer rights are protected during this process. 

Enclosed with this letter, you will find copies of all communications I have had with the creditor to date. I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly. 

Thank you for your time and consideration. 
Sincerely, XXXX XXXX
Consumer complaint received 2024-06-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (PR)

This closed account was removed from my XXXX and XXXX XXXX report.but XXXX and XXXX continue to report the debt that is hidden and is more than 7 year old .according to the fair credit reporting law, the agencies can not report a debt that is more than 7 years old because it would violate my rights.
Consumer complaint received 2024-06-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed (OH)

In the year 2020, the department of education took my entire tax return. I was not aware that they could do this to me. The issue with them taking the whole tax return is that I was not notified that the entire return would be taken from me. I also would like to note that my late husband XXXX XXXX also had his name and his W2 's on the tax return. He did pass away but the student loan borrower also took his tax return to pay my student loan debt. I never received a letter or or notification that my tax return would have been taken from me. I also was not aware that the department of education could take my late husbands tax return where his name is present on the return. I believe that this amount should be returned to me and I am attaching copies of the tax return as proof that the taxable income with my late husbands name on it could be taken to pay my student loans. I was not aware that this was a legal practice that they could have taken my late husbands tax return from me. I was a grieving widow at the time and this really put a financial strain on me at the time.
Consumer complaint received 2024-06-08
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Self Financial Inc. (MO)

I downloaded an app called Self on XX/XX/XXXX or XXXX and signed up for it. Whe. You sign up for the app they tell you that in one month they will charge you like {$35.00} and that when you make this payment that it will help your credit score. When my month came up I closed my account before it was time to make the payment. Then I got an alert from XXXX XXXX that I had a loan of XXXX dollars on my report. It was from Self. They never loaned me any money or told me they were putting a loan on my name. When I called them they told me that they report that they loaned you this money and that the monthly payments go towards it and at the end of 18 months they will have collected around XXXX from you and that they then give you the money. But it is a sham that makes it look like you paid off a loan. They said that since I closed the account that they won't report that I didn't pay it. But I never approved them to do this. And they don't tell you this is what they are doing. And now even though it doesn't say I haven't paid the loan there is an unpaid loan on my credit report that is making it look bad. I don't deserve to have this on my report as they never asked me if they could do this, they never gave me any money. And they didn't even tell me they were doing it. I need help getting this off my report.
Consumer complaint received 2019-11-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

I keep a close watch on my credit/credit score to keep in good standing. I received a notification from XXXX XXXX that a new collection was on my credit. When I looked it was from Wakefield and   associates from XXXX XXXX XXXX XXXX XXXX at XXXX. I had not been to that doctor in over 2 years and was sure I had paid the final bill. I first called the dr office to confirm I had paid {$120.00} from my final bill. She said yes the amount had been paid and she called the collection company to confirm they had the information on my payment and I did not owe anything. She came back on the line and said the amount owed to them was {$27.00}, that was a collection fee. Why am I getting a collection fee on a bill that was paid in XX/XX/XXXX from a bill from your dr office? I was then told in XX/XX/XXXX my bill had been turned over to collections. I paid in the dr office in XX/XX/XXXX from the XXXX bill I received from the dr office and was never notified by the dr office or collection company my bill went to collection. I was then told the bill was taken out of collections and opened back up through the dr office and the amount was applied to my account. Now almost 2 years later I get a notice on my credit for a collection. I call Wakefield and associates who proceed to tell me that they sent a notice in XXXX and XXXX of XXXX, grant it the mail does get lost, I never received anything and nothing on my credit until XX/XX/XXXX, which shows my collection from XX/XX/XXXX. So I ask this lady about the {$27.00} that is owed, why am I getting this when I paid the bill to the dr office and never had any knowledge of it ever going to collections? She said she didnt know but it must be a fee from the dr office. I said No dr office said I paid them in full and this was a fee from Wakefield. I ask can you please send me something on this showing this amount? I was told we did in XXXX. Ok can you send me something now, I ask again and she proceeds with so youre disputing this? I finally found out from the lady who handles the collections at the dr office that this is the fee the dr office pays to Wakefield to have them collect the money for them. Why should I pay them a collection fee when I was just told from the dr office that they pay this. It has now been about 5 weeks since I found out about this collection and have still never received anything no mail, no call from the collection agency but yet they put it against my credit. I do not feel I owe this as I did pay the bill and was never notified by either company of the collection. I will pay it to get it off my credit because I cant afford to have my credit go down when Im trying to buy my daughter and I a house. But I feel something should be done about these companies, this is not normal business practice and it hurts people who are trying to do the right thing
Consumer complaint received 2021-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have been writing to XXXX XXXX and the credit reporting agencies for months disputing the incorrect reporting that XXXX has put on my credit reports. XXXX is reporting late payments for months after my account with them was paid in full and closed. I received letters from XXXX stating that they are not willing to change their reporting on my credit report. This letter was sent certified mail with tracking # XXXX. I tracked the letter sent to XXXX to be sure that they received it. I have written to XXXX XXXX dispute dept, XXXX XXXX XXXX ( CEO ), XXXX XXXX ( President & COO ), and XXXX XXXX ( CFO ). XXXX absolutely refused to correct their reporting of this account. I have all the letters that i sent to them and all of the letters that they sent back stating that they would not correct their listing on my credit report. Under the Fair Credit Act this is illegal reporting and bad business practice. I have disputed this with Transunion, XXXX, and XXXX. I only get letters from all the agencies stating that the listing has been investigated and it is an accurate reporting. I know that this has not been investigated because it is clearly reporting inaccurate information.
Consumer complaint received 2021-11-12
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: AES/PHEAA (CA)

Some of these loans do not belong to me and should not be reporting to my credit. XXXX advised that the incorrect information will be deleted and my credit report will be updated, but there are still loans that don't belong to me for years causing my credit score to suffer. I have contacted the department of education and XXXX but since they are closed im finding there is a significant delay with verifying this information. XXXX did lots of fraudulent loan applications and i never received some of the monies reported. Please delete this information until it can be reported to my credit report 100 percent accurate.
Consumer complaint received 2021-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AZ)

THE COMPANY, LVNV FUNDING, LLC, WHO ALLEGEDLY REPRESENTS ANOTHER COMPANY, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 i am A NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY APPELLATION is XXXX : XXXX. XXXX5 USC 1692 ( A ) ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. XXXX, XXXX, and XXXX are assumed to be credit Bureaus and their is only XXXXne Bureau and that is the Consumer Financial Protection Bureau. 
On XX/XX/1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that " Whereas the holding or dealing in gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport go give the obligee a right to require payment in gold or particular kind of coin or currency, ... are inconsistent with the declared policy of congress ... in the payment of debts. This resolution declared that any obligation requiring " payment in gold or particular kind of coin or currency, or in an amount in money policy, and ... Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts. 
15 USC 1681 ( 3 ) ( E ) ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
Consumer complaint received 2019-07-23
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. (GA)

I recently pulled my credit report and several inaccuracies. I am a victim of identity theft and previous filled out a police report in regards to my personal information being stolen. I sent out several letters to the credit bureaus as well with accounts and information I found fraudulent but with No luck. Below I will list the accounts I found false. 


Account Name : XXXX XXXX/XXXX Amount : {$2100.00} Account Name : XXXX XXXX XXXX - CREDI Amount : {$4100.00} Account Name : XXXX  XXXX CREDIT CARD Amount : {$6200.00} Account Name : XXXX Amount : {$900.00} Account Name : XXXX XXXX Amount : {$5500.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$2700.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$24000.00} Account Name : XXXX XXXX XXXX XXXX Amount : {$8000.00} Account Name : XXXX   XXXX XXXX Account : {$1400.00} Account Name : XXXX XXXX XXXX Amount : {$1200.00} Account Name : XXXX XXXX XXXX Amount : {$900.00}
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (VA)

I have several accounts on my credit file that are not mine and are a result of identity theft these accounts are ... XXXX bank XXXX and other accts when reviewing my fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and addresses that I have been used fraudulently that need to be removed here are the addresses XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX / XXXX XXXX XXXX, XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and name aliases that need to be removed here are the aliases XXXX XXXX XXXX, And XXXX XXXX XXXX these accounts addresses and names need to be permanently removed I have sent in copies of a police report # XXXX XXXX XXXX XXXX badge number XXXX
Consumer complaint received 2023-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (NM)

Genesis FS Card Services XXXX XXXX XXXX. I have been disputing this card for over XXXX years. I told the company I never received the card and they had taken it off my credit reports. I just got in the mail a day ago that this account ended in XXXX and was sold to a third party XXXX  associate 's phone number is XXXX. I tried calling and did not talk to a representative. I have been having trouble for a long time.
Consumer complaint received 2019-07-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (ME)

Nelnet does not follow your requests to allocate extra payments to the highest interest rate, thus you are paying more interest over the life of the loan. They also " magically '' move money to a group that was paid off.
Consumer complaint received 2015-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

There are XXXX accounts that show up on my Equifax credit report. The account numbers are XXXX and XXXX. These accounts are not mine and need to be removed immediately. The 7 year FCRA statute of limitations ahs apssed for these XXXX accounts and they need to be deleted.
Consumer complaint received 2021-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE (NJ)

I sent a XXXX payment it didnt work so the banker over the phone asked me to try it several times after the fact after they made attempts to fix the issue. This put a fraud measure on my account and Ive been over a year unable to access the lousy XXXX dollars in my account. I want to close it and retrieve the funds my address is no longer the one they have on file as I have moved. They are unreasonable in the sense that theyre demanding me travel more than 9 hours to a beach to show my ID in person.