davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (PA)

I have contacted the creditor multiple times due to the fact that there are 2 of the EXACT same accounts, but different amounts. BOTH accounts were paid by insurance at the time services were rendered. NOT ONLY THAT, but the COLLECTIONS AGENCY is charging interest. that is NOT legal. That was not in the original agreement. I did not agree to, sign any documents on this matter. They should not be accruing interest. I have tried multiple times to settle this information and have it be corrected / removed. I am in the process of consulting a lawyer because i know my rights, and i know what WAKEFIELD & ASSOCIATES is doing is wrong, unethical and illegal.
Consumer complaint received 2019-12-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

TransUnion use fraudulent information to make their summary on file number XXXX also they claim it from 300+ to over XXXX now, XXXX committed fraud with data that was fraudulent calling it a charge off, I close the account because of the fraud that was committed, XXXX stole money out of my bank account in the form of 3 extra payments, all so another bank did the same thing, yet it was investigated and TransUnion found in my favor, also XXXX XXXX did the extract same thing, also both companys violations use the courts without given me a summons to increase the amount into the XXXX of dollars, by not letting me go to court to defend my self
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

Accounts that I have disputed ( that are not mine ) are still on my credit report after I have written letters to the credit bureaus letting them know they are not mine. The credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2021-12-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

PayPal close my account for no reason and will not help me with getting it back up and going and I'm not sure this is a mistake as I assume it has, I have not been able to get help please help me to restore my account because I know your good ability for this kind of help, so this is my PayPal 's email XXXX XXXX
Consumer complaint received 2021-12-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

I filed paperwork for an investigation into a company called LVNV Funding over a year ago and never heard back because I did not file a complaint with the police. It shows up on my credit report still. I do not know anything about this company or I have not taken any loans out through this company.
Consumer complaint received 2023-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (GA)

I received 2 different XXXX XXXX cards in the mail. When I called American Express to activate one of the cards, the representative confirmed that I would get the bonus points after the {$4000.00} spend. Again, after doing the {$4000.00} spend, I called Amex and once again was told that I would get the bonus points and to wait 8 weeks. After waiting 8 weeks, I called again and was told that I would receive the bonus points and this would be escalated. 

Despite this, American Express is now claiming that it does not matter what American Express told me previously, they are not going to honor what they told me. 
I have escalated to the CEO level XXXX XXXX and still denied.
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

Citizen One bank authorized a fraudulent account to opened in my name not once but twice. I cooperated with their fraud department to get the first account closed. The second account was opened after they were notified of the first account. The second account is still showing active and has been flagged as delinquent. My credit report and history has been damaged due to the lack of oversight from Citizens One bank
Consumer complaint received 2021-12-17
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 — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (NY)

I am writing today because this company has repeatedly ignored my request for errors contained in information they're reporting to the 3 credit bureaus. This company will not respond to any of my disputes. For starters this company is reporting incorrect information across every single credit bureau. For example high balance is different for every bureau, date last active is also different, last payment is also different. These errors are seriously affecting my financial profile and it is incorrect. How could everyone be reporting something different is they are from the same furnisher? This information is completely incorrect.
Consumer complaint received 2022-02-09
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. (NJ)

In XXXX I was advised by XXXX XXXX  through a service they provide that my address was changed and there was an attempt to open up a XXXX XXXX XXXX via XXXX XXXX. I subsequently put blocks and alerts with the three credit agencies and found that Equifax had a bogus address under my name which I did not recognize or authorize. Also in XXXX we realized that we were not receiving many of our bills. We checked with USPS and they notified us that our address had been changed. We found out that many companies update billing addresses based solely on information they receive from the post office with no other authorization or authentication. Further, after this incident, we went to the USPS website and verified how easily an identity thief can change a valid address. While this practice eases the burden of return mail, it also aides and abets identity thiefs at the same time. My bank ( XXXX ) had also updated my personal information from the USPS without going through their normal authentication process. I subsequently understand that this has been accepted as a normal business process however, I dont feel this is a prudent process given the fact that it makes theft of identity more efficient and violates my ability to protect my PI and I believe violates the banks responsibility to protect my identity.
Consumer complaint received 2024-02-19
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. (FL)

XXXX XXXX : XXXX It has come to my attention that negative items are being reported on my credit to Experian, XXXX, XXXX, and XXXX XXXX without my consent. 

Under FERPA, I have the right to control the disclosure of my education records, and this includes the right to prevent the disclosure of personally identifiable information without my consent. I believe that the reporting of negative items on my credit report falls under this protection, as it is impacting my ability to live a normal life. 

I kindly request that all reporting violations be ceased immediately and that my education records be handled in accordance with the regulations set forth by FERPA. Thank you for your attention to this matter.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (FL)

My checking account with JP Chase Morgan was compromised and the second I discovered a fraudulent check was made for {$500.00}! On XX/XX/XXXX I made my bank aware of it. 
I reported it on XX/XX/XXXX. I went into my bank and opened a new account with the branch manager XXXX. Opening up a new bank account is never easy because I have to notify so many accounts that I have automatically deposited and withdrawn as you can only imagine because I have had this bank account for so many years. 
My funds were to be transferred over to my new account. The funds were never transfer to my new account and my old account now was frozen. I was without access to any money for a few days and I could not have it resolved over the phone. 
I then went back into my bank and after hours I finally had access to my new account. My old account which was compromised was to be closed and as of today I found out it was NOT closed as it still remains open because I was notified that I have two charges of {$34.00} of insufficient fund fees. 
After all this and waiting to hear a response regarding this fraudulent matter on my account I expecting a call or a letter which I did not receive neither ... .so I called Chase XXXX 
I was told that my dispute of this fraudulent check being made was not only not investigated it was simply DENIED??? 
The reason was because I did not report it in time? My cutoff date was the XX/XX/XXXX and I reported it on the XXXX. I then asked to appeal the denied response which they did and I called back in a weeks time and it was STILL not only NOT investigated it was just simply denied again and a representative by the name of XXXX said there was absolutely no way to open the claim back up. 
I have banked with Chase for many many years and as a valued customer I would have believed that I would have been protected of any fraudulent matters on my account. I respectfully request that they honor me a 4 day grace period of reporting this fraud because I contacted them the minute I discovered it and I ask that they help me get my {$500.00} back. 
I am reaching out to you the Consumer Financial Protection Bureau in hopes that you can help me protect the funds that I have lost. 

Sincerely XXXX XXXX
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, 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. (WI)

Paid off credit and merged two accounts credit files show only that account I paid off was closed. The credit limit should reflect {$1200.00} which is the two limits combined.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (FL)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2020-03-02
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. (IN)

Back in XXXX of XXXX, I submitted a formal complaint with Experian regarding credit inquiries that had appeared on my file without consent, and names/addresses that do not belong to me. 

Then sent back their " canned '' response stating " Inquiries are a factual record of file access ''. I then called Experian in early XXXX ( about 9 days after this letter was received ),  which a female on the other end indicated they would " check into it ''. Nothing came to fruition. No personal information changed. 

My information was compromised in several breaches. Experian can not assume that XXXX  data that was stolen will not be used to apply for credit where Experian data is pulled. Furthermore, three of these appear to be business credit products of some sort. 

These inquiries must be removed : XXXX/XXXX - XX/XX/XXXX XXXX , XXXX. - XX/XX/XXXX XXXX- XX/XX/XXXX EXPERIAN XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX, XXXX. - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX Experian does not have my correct address! These are NOT addresses associated with me : XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2024-04-24
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: MOHELA (TX)

XXXX sent a letter to my residence and still did not correct my existing problem. They once again updated my credit history regarding four XXXX  trade lines instead of deleting the trade lines in accordance with sweet vs cordona loan forgiveness suit. The trade lines need to be delete from my credit report and should have been done so over one year ago.
Consumer complaint received 2024-05-24
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BOEING EMPLOYEES CREDIT UNION (WA)

XXXX XXXX updated payment information on my account 3 months after I closed account. I had no access to account or to update payment method. I transferred out my number through XXXX on XX/XX/XXXX then on XX/XX/XXXX I received an email from XXXX XXXX saying I updated my payment t information. Which I did not. Then the bank payed a POS purchase from XXXX XXXX even though the money was not available on the account and I had opted out of overdraft protection and sided with XXXX XXXX saying I somehow authorized the payment method and the charge to the account.
Consumer complaint received 2021-12-17
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. (TX)

On my pervious first second third reques, I wrote to you requesting an investigation into items that I believed were INACCURATE AND UNVERIFIED. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time.
Consumer complaint received 2021-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I am submitting a new complaint as suggested by CFPB because XXXX was closed without having been addressed. It seems that Band of America thought for whatever reason that the complaint was submitted fraudulently and they claim to have been unable to verify my identity. That could have been accomplished had XXXX at XXXX x XXXX returned any of the voicemails I left for her in an attempt to address this complaint. She couldn't be bothered. 

The previous complaint was : An offshore transaction, which I've made previously, prompted a text message asking if the charge was recognized. I replied yes and the response was that the transaction was authorized. Several days later, I began a mobile withdrawal, which is available through the bank app, permitting you to input the amount you'd like to withdraw. I received notification that everything was in order, and I could go to the ATM to pick up cash. When I arrived at the ATM, miles away, the machine indicated that my card had been locked due to irregular activity. I called the bank, was told that they had the confirmation of the original transaction, and the card should not have been locked. They offered an apology for " the inconvenience. '' I asked which controls that were to have been in place to prevent this failed. Bank of America will submit XXXX and XXXX reports and this will clearly appear as a qualified opinion.
Consumer complaint received 2024-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (VA)

I had submitted a complaint against the Department of Education that they had refused to discharge my student loan debt, to date this has not been done, and Nelnet has assessed an enormous amount of interest on a loan that should have been discharged in XXXX of this year, I have contacted all partied involved, the Department of Education, the XXXX XXXX line as well as Nelnet and I keep getting the run around, in my last complaint I got a letter from XXXX that all of student loan balance has been discharged, both XXXX and Nelnet are official servicers of Federal Student Aid, if XXXX was notified by the Department of Education that my student loans should have been discharged then why isn't Nelnet discharging my student loan debt, reimbursing what I have paid, and also Nelnet is making pay XXXX per month. The ball dropped somewhere and I do not care how this gets resolved but this needs to be resolved and my student loan debt needs to be resolved and discharged as it should have been almost 5 months ago, the fact that one servicer say that my student loan servicer says that my loans are discharged and another continues to charge me on loans that should have been discharged is absurd, I have not had loans with different servicers these are the same loans that have gone for one reason or another from XXXX, to Great Lakes and then to Nelnet, I have not gone to more than one school, I have only gone to XXXXXXXX XXXX  and have proven my borrower defense to repayment and therefor my student loans should be discharged why this has not happened is beyond me
Consumer complaint received 2023-01-14
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. (FL)

XXXX XXXX XXXX XXXX is reporting a charge off and and account with my name and when i wrote a certified letter to validate the debt the company ignored my letter and has not verified the debt and continues report the bad debt. This is a violation of the FCRA. The account doe not belong to me and is fraud.
Consumer complaint received 2021-12-17
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. (CA)

I have disputed the incorrect information regarding the amount of {$27000.00} on the year of XXXX, {$1900.00} that reported in XXXX, {$3300.00} also on XXXX, {$2600.00} in XXXX, {$1600.00} in XXXX, {$1100.00} in XXXX, {$9900.00} in XXXX, {$4000.00} in XXXX, {$5200.00} in XXXX, {$9500.00} in XXXX all of which are incorrect, have been reaged or duplicated. The XXXX credit bureau 's have also failed to respond within 30 days of my disputes in the past.
Consumer complaint received 2023-01-14
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. (FL)

XXXX XXXX XXXX XXXX is reporting a charge off and and account with my name and when i wrote a certified letter to validate the debt the company ignored my letter and has not verified the debt and continues report the bad debt. This is a violation of the FCRA. The account doe not belong to me and is fraud.
Consumer complaint received 2018-03-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Altisource Portfolio Solutions, S.à r.l. (AZ)

I have been receiving repeated phone calls from XXXX XXXX regarding a corporate card charge with an original balance of {$1300.00} with an additional {$150.00} in interest and fees. This was a legitimate business expense that had been charged on the same day of an illegal termination that the corporation illegally refused to pay. I won a legal settlement which included compensatory damages because of this illegal termination. During the time I have been involved in litigation, I have not paid this debt. Although I did, in fact, explain the situation in depth to XXXX customer service, XXXX did not care and reported this to a collection agency. This agency, XXXX XXXX XXXX XXXX, has called me repeatedly regarding this. The latest phone call was on XX/XX/18 at XXXX XXXX MST, and a representative named " XXXX '' told me that I needed to pay this anyway to " maintain a good relationship with XXXX XXXX. '' I explained the situation to him, and he also refused to listen to me, so I hung up on him. Additionally, this company has been making repeated phone calls to my law firm trying to use them to contact me. This is outright harassment.
Consumer complaint received 2021-12-17
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. (MI)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.