davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-12
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (FL)

To Whom It May Concern : I have been a customer of XXXX XXXX  for 25 years, although originally XXXX XXXX. I can say that the customer service and operations of the bank have gone completely down hill since XXXX was acquired by XXXX. 

I had a overdraft line of credit from XXXX XXXX  on my checking account, which I had for nearly 20 years. That account had fraud on the account, and needed to be closed. At that time, I was unable to use my overdraft line with my new account. I paid the balance down to {$4.00}, but was unable to pay the final balance online from my account as I have done for 20 years. Since I was unable to pay and I did not receive a payment due notice, I did not make a minimum payment, which would have been {$0.00} or less, based on the balance. This occurred in XXXX of this year, right as Covid 19 was becoming an issue and as bank branches were closing. 

I downloaded a credit report in XXXX due to a potential loan for a boat and realized there was a 60 day late payment on my account from XXXX XXXX. I was not notified there was a payment due, the payment was late or they were adding late fees of {$5.00} per month on my account. I had significant funds in my other 6 XXXX  accounts to be able to pay the balance, which I wasn't able to do through XXXX 's website or normal channels. I spoke to TD and on the phone, they were able to have the balance paid from my existing accounts in XXXX. They requested I send a letter, which I did, to dispute this from my credit report. In the prior 25 years, I had never made a late payment to XXXX XXXX or XXXX XXXX  on any of my loans. They responded with a from letter that the dispute was rejected. 

This negative payment, the only one on my credit report, is causing my credit score to be as much as 40 points lower than it should be. It is causing me to have significantly higher on any loans I have applied for, including a recent RV, which caused my interest rate to be 8.5 % versus 5.99 %, meaning I would be paying an extra {$500.00} per month for no reason. 

I tried reaching XXXX Customer Service last week and spent 5 hours being bounced around, having my calls dropped and never being able to speak to the correct person to try and get this dispute resolved. I believe this both a violation of standards a bank should use in allowing customers to pay their bills, to notify them of potential violations before it would affect their credit or using common sense to avoid an issue with a 20 year client. 

I am hopeful the CFPB can at least get me to speak to someone at XXXX XXXX  to get this resolved.
Consumer complaint received 2020-08-12
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: ZWICKER & ASSOCIATES (WA)

I have disputed accounts on my credit report as identity theft with XXXX  several times : XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX of 2020. The items reporting are for 2 XXXX  accounts and a XXXX XXXX XXXX account that do not belong to me. These accounts are the results of identity theft. They have deleted Zwicker & Associates whom XXXX hired to harass and sue me for these accounts yet will not remove the actually accounts on the same basis of identity theft. 

I have submitted a police report and other documents to XXXX, XXXX, and Zwicker & Associates yet they refuse to delete these items from my credit report. They are causing damage to my credit and preventing me from obtaining housing and other credit based items. 

I have even contacted both XXXX and Zwicker & Associates directly to request debt validation and yet none of them can provide with documents verifying these accounts are legitimately my accounts yet somehow XXXX  has said they have verified them as valid. The only documents XXXX sent me were statements which do not prove ownership. All 3 companies have repeatedly failed to protect the consumer. 

This entire ordeal has brought serious emotional distress and financial distress. My rights as a consumer and under the Fair Debt Collection Practices Act have been disregarded.
Consumer complaint received 2020-08-12
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: AMERICAN EXPRESS COMPANY (WA)

I have disputed accounts on my credit report as identity theft with XXXX  several times : XX/XX/XXXX and XX/XX/XXXX, XXXX and XXXX of 2020. The items reporting are for 2 AMEX accounts and a XXXX XXXX XXXX account that do not belong to me. These accounts are the results of identity theft. They have deleted XXXX XXXX XXXX whom AMEX hired to harass and sue me for these accounts yet will not remove the actually accounts on the same basis of identity theft. 

I have submitted a police report and other documents to XXXX, AMEX, and XXXX XXXX XXXX yet they refuse to delete these items from my credit report. They are causing damage to my credit and preventing me from obtaining housing and other credit based items. 

I have even contacted both AMEX and XXXX XXXX XXXX directly to request debt validation and yet none of them can provide with documents verifying these accounts are legitimately my accounts yet somehow XXXX  has said they have verified them as valid. The only documents AMEX sent me were statements which do not prove ownership. All 3 companies have repeatedly failed to protect the consumer. 

This entire ordeal has brought serious emotional distress and financial distress. My rights as a consumer and under the Fair Debt Collection Practices Act have been disregarded.
Consumer complaint received 2020-08-12
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. (WA)

I have tried so any times to dispute this claim, but i see no action or improvement on my credit report. please, List of company, XX/XX/2020 experian, XXXX XXXX
Consumer complaint received 2020-08-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

I received a voicemail message, Attention this is XXXX XXXX with the process service department calling to notify the _________ at two times be made to issue certified legal documents to ___name_____ if you have any questions or need to make any changes to the time or the location of this delivery you need to contact the legal firm handling your case phone number is XXXX. When calling in please reference your case number XXXX If you dont contact the legal firm it will result in legal proceedings to take place without your knowledge and or participation When I called the number the person who answered said, XXXX XXXX. Then transferred me to a man who said I was XXXX, stupid, irresponsible, laughed multiple times audibly, refused to tell me what company he worked for or his name, gave me an account number that he said was for a debt with Bank of America, read my social security number to me, gave me an amount of just under {$4000.00} and told me to call Bank of America to verify and then call him back to pay the debt. I called Bank of America and they can find no such account. If they had found it, wouldnt I just need to pay them? 

He had my name, my wifes name and my accurate social security number.
Consumer complaint received 2020-08-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (FL)

Spoke with original debt and debt has a XXXX balance. Capital Collections LLC, continues to increase the monthly amount which they're not allowed to do per Florida Finance Code.  In addition, they have yet to ever very debt. Orignal debt no longer does business with Capital Collections as to what i was advised by their office today.
Consumer complaint received 2020-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX is saying I owe them XXXX dollars but I have never purchased anything from them. They put this is in here in XX/XX/2020. It's also saying the bill is late. I don't know who they got this information from but this is not me. They are messing my credit up and I am trying to get it straight. Can you please contact me as soon as possible regarding this matter.
Consumer complaint received 2020-06-19
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (NC)

We have done business with a bank for more than several years, and have had a money market fund the entire time. That account included transactions by check, EFT, and checks issued at a branch. Being a money market fund, we abided by the restrictions of Reg D. We recently ran out of checks for this account, and have been refused in our attempts to order checks. 
Since this has been a demand account from its inception, with check access in place the entire time, I refuse to believe it is within my bank 's right to restrict access to MY funds in this manner, especially in light of the fact that applicable regulations were abided by, even with check access to our account. I will be glad to pay the bank 's price for checks, but I have not been offered that opportunity. The manner in which we conduct our household business has been built around check writing and transfer ability from all of our PNC/ banking accounts. That my bank would restrict such responsible money management abilities is troubling. 
It smacks of restraint of trade to think that a financial institution could restrict access to a customer 's money by disallowing a common instrument of commerce-A CHECK!
Consumer complaint received 2020-08-12
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 — Their investigation did not fix an error on your report
Company: AmeriCollect (PA)

My balance was paid to {$0.00}. I contacted each individual credit bureau XXXX XXXX, XXXX, and XXXX  XXXX about removing derogatory remarks under the comment section in my derogatory report. I was told I could only file a dispute with the credit bureau, or I could contact the creditor individually. So I contacted the creditor and explained that I would like these remarks removed in which they told me to contact the credit bureaus and they could not help me. The issue I'm having is that they keep sending me back and forth and refused to help me. I'm trying to get an approval for a mortgage loan. I've explained to both creditors and bureaus that I can not obtain a mortgage loan of any kind ( FHA/Convensional/jumbo/ USDA/VA ) because of these derogatory remarks or with any reports in dispute. I was also denied twice by two separate lenders because of having a dispute open. So I closed the dispute over 45 days ago and my credit report is showing they are still in dispute. I'd like for this creditor to either delete the report OR delete the negative remarks in the comments section and also update it as closed.
Consumer complaint received 2024-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NE)

Provider says my accounts are not right but payments have been processed from that account before. Auto pay has been set up but it is not working. I have reentered information several times, to no avail. The problem is on their end and they don't try and fix it. I am now past due because of their negligence. I am tired of dealing with them on these issues.
Consumer complaint received 2020-06-19
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. (CA)

I contacted this company via XXXX because of an error on my report. The account is resolved but yet it is still reporte only to find The company is CLOSED and the agency XXXX will NOT release the error from my report. XXXX XXXX has confirm the amount as XXXX and should be removed however it is being being report by XXXX According to FCRA it is error and should be deleted from my report. They can verify the account because the business CLOSED and XXXX XXXX has not authorized the release because of the absence of receiving a response from a company whom is CLOSED for business confirmed via the XXXX. See below. ********************************************************************************************** RE : Complaint ID # XXXX Dear XXXX XXXX : Thank you for contacting XXXXXXXX XXXX XXXX serving the XXXX XXXX ( XXXX ) for assistance with resolving your dispute regarding XXXX XXXX XXXX XXXX. A copy of your correspondence was forwarded to the company ; however, XXXX was unsuccessful in reaching the company for a response due to one of the following reasons : The company has confirmed to be out of business The company is believed to be out of business The company can not be located At this time, XXXX regrets to inform you that we can be of no further assistance. If you wish to pursue this matter further, you may try contacting your local Attorney General 's office or the Bankruptcy Court. The company 's XXXX XXXX XXXX has been recently updated and is available online at XXXX, or by calling. XXXX appreciates that you took the time to contact us. Your experience with the company will be kept in XXXX files for three years as part of this company 's record. Regards, Your XXXX XXXX XXXX
Consumer complaint received 2020-06-19
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. (MS)

on XX/XX/2020 I sent to Equifax a certified letter Detailing my private information. I told them I had only the information of : Name : address : Phone : DOB : SS # : Work : And that no other past information was to be reported because I can only be reached at the current information provided. 

With this letter, I sent a second letter detailing companies who affected my credit by pulling credit inquires without my written permission and none of these issues have been fixed. 

I have called several times and even tho they state they have been fixed when they send me a new credit report the information is still showing. 

Attached is the first set of letters. I have sent a second set of new credit inquires which has not been responded to which I will file at a later date when the 30 day mark is reached
Consumer complaint received 2022-11-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I was being scammed and didn't know at the time by someone portraying to be my online boyfriend that is a said celebrity. I went to make a transfer with my bank to my at the time online boyfriend and his management company and the bank sent me a notice that the transfer went through but then canceled the transfer and terminated my accounts.
Consumer complaint received 2020-08-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE MY WHOLE LIFE HAS BEEN RIPPED APART. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO ME. AT TIMES I FEEL LIKE I HAVE NO OTHER CHOICE BUT TO GIVE UP ON EVERYTHING. IT IS SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2022-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Ive previously disputed this account for the account reporting this information to my credit report without my consent and yet its still on my report. They are now reporting this account as an open account which it is affecting my credit when its closed.
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE (NY)

This company treated me horrible after weeks after submitting my Uber application their security center requires me to send each time documents to verify my identity by mail which I sent and finally today I was approved after calling them to confirm theyve received them and was approved for only XXXX not only this bothers me is that I get so little when I have good credit I have credit lines in XXXX and higher and they only give me {$250.00} they dont even offer the Uber card any longer and their card technology I dont understand why this bank lacks card technology latest like many us banks have started migrating over to contactless they dont offer it or even know what it is but Im the XXXX they offer it to everyone how is this fair but in the USA they dont when will Barclays get up to date they say they will but never do time for them to iodate their card technology I also want a higher line
Consumer complaint received 2020-06-19
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Conduent Incorporated (AL)

I realized my debit card had been stolen through the GoProgram AL Child Support. I was able to immediately cancel the card but I could not dispute any of the transactions that occured through my online account or through calling them to dispute the transactions. I tried to call the number multiple times to other ever get a recording saying " we are experiencing heavy call volume. Please try again later. '' I tried to call my local DHR and they told me they had no other way to help other than to keep trying the same number. I tried to call XXXX XXXX, who issued the card. They told me they only issued the plastic and again I would have to contact GoProgram directly. It has been a week now and I still not can not get anyone to answer my calls. I had almost XXXX taken out of my account and I can not get any of my funds back because no one answers. 
The transactions that were made were : 1. XXXX {$14.00} XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX  {$340.00} XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX {$120.00} XX/XX/XXXX 5. XXXX {$30.00} XX/XX/XXXX 6.XXXX ( 4 transactions on XX/XX/XXXX ) {$27.00}, {$19.00}, {$13.00}, {$15.00} 7. XXXX {$20.00} XX/XX/XXXX 8. XXXX XXXX XXXX {$27.00} $ XX/XX/XXXX 9.XXXX XXXX {$21.00} 10.XXXX XXXX XXXX {$10.00} XX/XX/XXXX 11. XXXX XXXX {$15.00} XXXX 12. XXXX XXXX XXXX  {$110.00} XXXX 13. XXXX   {$33.00} XXXX 14. XXXX  {$8.00} XXXX 15.XXXX {$11.00} 16. XXXX   {$21.00} I did not realize my card was stolen until XX/XX/XXXX when I signed into my mobile account. I was able to cancel the card immediately. All of these transactions happened in XXXX, GA, XXXX, GA and some were even in New Jersey. I live in Alabama. The total amount of money stolen from my account is XXXX. I can not believe I have spent over a week calling over and over again everyday and there is no bank associated with this " goprogram '' or no kind of customer support that answers the phone. It also frustrates me that I can not dispute any of these transactions online. There is a button for it on my account but it does not let you click it. It just says if you suspect fraud, call immediately. Well calling immediately does no good if no one can answer the phone. I just want the money back in my account. Please help!!! I do not know what else to do at this point.
Consumer complaint received 2020-06-19
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: EQUIFAX, INC. (GA)

A while back I lost my wallet with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I am shocked with the number of items that were opened on my name. These suspicious items are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX XXXX, XXXX/XXXX. 
I also noticed that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me : US DEPT ED, USDOE/XXXX.
Consumer complaint received 2020-08-12
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Chime Inc. (PA)

I used an App known as " Wave '' or " XXXXendWave  '' to send {$660.00} from XXXX, Texas to XXXX, XXXX. The funds were supposed to be for purchasing Auto Racing equipment. 
Transaction Time was : XX/XX/2020, XXXX XXXX EDT. 

The intended recipient already stated that the funds never arrived in his account and he has proof that XXXX XXXX XXXX XXXX XXXX XXXX in XXXX stated that the funds never posted because he had an exceeded limit of funds in his account for the transaction to go through. I have written to the people at Wave and from time to time I would get bounced from one support associate to another and the cycle would start all over again and they ask me to write another explanation. I have all transcripts between myself and the company and the last was from an associate named XXXX XXXX and this is what it states " This is XXXX from Sendwave. So sorry about that. We have sent a reversal request to XXXX and we will update you as soon as we receive feedback within 24 hours. '' Below are the details to my transaction!! 

Amount Sent : XXXX USD Amount Received* : XXXX XXXX  Exchange Rate : XXXX XXXXXXXX  USD Transaction Time : XX/XX/2020, XXXX XXXX  EDT Funds Available : XX/XX/2020, XXXX XXXX  EDT Confirmation Number : XXXX Email us at XXXX XXXX XXXX if you have any questions about this transaction!