davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-13
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. (NC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (NC)

I am resubmitting the complaint on my wifes behalf since Medical Data Systems continues to make false statement in the response to CFPB. When I contacted MDS on XX/XX/XXXX to obtain the information I need as per my previous complaint, I was told by a supervisor ( XXXX ) that I need to contact Insurance ( XXXX  ) and ask them to send written notification to MDS that they will waive the submission requirements and process the claim. Only then as per XXXX MDS will provide the information and/or will submit the claim for processing. Which indicates that MDS has all the information and willfully is not providing the information. This is obvious tactic by MDS to ensure the claim is not processed. I conferenced XXXX ( XXXX ) with MDS ( XXXX ) 2 weeks ago and XXXX has confirmed that I had insurance during the date ( XX/XX/XXXX - XX/XX/XXXX ) and they are willing to process the claim provided they get all the information. MDS has recorded conversation with XXXX. 
I mentioned this to XXXX, but she was not willing to provide the information I need unless she gets written notification from XXXX as noted above. MDS should review the recording I request CFPB to interject and advise MDS to remove derogatory remark from My wifes credit report and provide all required information immediately
Consumer complaint received 2023-04-07
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. (FL)

When I reviewed my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$32000.00}
Consumer complaint received 2022-06-13
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: EQUIFAX, INC. (MD)

EQUIFAX AND XXXX ARE NOT FIXING AN EXISTING ISSUE WITH MY REPORTS. I KEEP DISPUTING A MEDICAL COLLECTIONS ACCOUNT THAT IS NOT MINE AND IS ALSO MEDICAL. MEDICAL ACCOUNTS AREN'T SUPPOSED TO BE REPORTED SINCE THE PANDEMIC. 

XXXX XXXX NEEDS TO BE REMOVED OFF OF MY REPORTS. MY SCORES DROPPED XXXX POINTS AND I AM TRYING TO BUY A HOME WHICH THAT RUINED MY CHANCES. THE ACCOUNT BELONGS TO A RELATIVE. 


DELETE!!!!! 

I AM ALSO A XXXX XXXX XXXX XXXX
Consumer complaint received 2021-09-18
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 (NC)

American Express advertised a welcome promotion on its XXXX XXXX XXXX American Express Card. Under this promotion, American Express will award a new cardholder XXXX XXXX XXXX points after spending {$2000.00} in purchases on your new Card in your first 3 months. 

I applied for a XXXX XXXX XXXX American Express card and was approved in XX/XX/2021. On XXXX XX/XX/2021, I reached the required {$2000.00} spending criteria for XXXX XXXX XXXX points to be awarded. However, two months later, as of XXXX XX/XX/2021, I have not received these points. 

Upon following up with American Express on multiple occasions in the past two weeks, the company not been able to resolve my issue.
Consumer complaint received 2022-05-04
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. (TX)

in accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX acct # XXXX {$520.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX acct # {$2700.00} ( Original Creditor : XXXX XXXX  ) or XXXX XXXX XXXX acct # XXXX {$800.00} XXXX XXXX XXXX ACCT # XXXX {$330.00}
Consumer complaint received 2018-12-05
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Onward Credit Holdings, LLC (KS)

Due to personal financial issues, I have had no choice but to resort to payday/predatory lenders and these high interest rate, last ditch effort loan companies. I borrowed {$200.00} from XXXX XXXX on XX/XX/2018 and another {$250.00} on XX/XX/2018 and another {$80.00} on XX/XX/2018 ( in total, {$530.00}. ) I have since repaid {$640.00}. I still have a balance remaining. I was unaware that the loan would have such a high interest rate. I am struggling to make these payments and I am hoping to be able to have this account closed and listed as paid in full without me needing to make anymore payments as this company has made a sufficient amount of money over the principal. I previously submitted this complaint and no resolution was reached.
Consumer complaint received 2024-02-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo bank closed my family business account on XX/XX/XXXX for address problem. Then they say due to loss prevention. They said check will go out for funds in account. Did not receive by XX/XX/XXXX. Went to branch had to make appointment on XX/XX/XXXX and get business banking on the phone they tell me I have to sign paperwork declaration to get a new check must be Notarized and sent to there account closures & partial withdrawals. Did all necessary paperwork signed notarized and sent on XX/XX/XXXX. As of today XX/XX/XXXX I have called and only resolution to get funds back is wait up to 90 days for this approval. Otherwise they say I can get a surety bond 2 % of the XXXX to get cashier check within 10 days. 
Unfair treatment for account closure and taking this long to give funds back.
Consumer complaint received 2020-01-30
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Winona Holdings, Inc. (CA)

I received a letter stating a check I wrote to the pharmacy was returned. The letter stated I was being abusive and stating i was a fraudulent check writer. It also stated i have created a " history that reflects an attempt to commit fraud ''. The letter went on to state I had the option to resolve the issue if my error was " not an attempt to commit fraud. 

The amount of the check was {$16.00} cents. I went online to try and pay the error and they gave me the option to pay by check ( ironically ) however, they wanted to charge a processing fee of XXXX in addition to the returned check fee.
Consumer complaint received 2023-01-19
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (PR)

ref. Western Union XXXX XXXX. Money transfer made by me on XXXX XXXX to my sister XXXX in XXXX, was improperly paid by mistake or fraud to an unknown person to me named XXXX in the XXXX XXXX on XXXX XXXX. 
To this date, I have made numerous attempts by service chat, emails and calls to Western Union, to supervisory levels and they continue to open investigations and escalations of my case without a positive resolution to my claim, to either return my money or pay the original intended recipient. 

I have my original receipt and records off all my calls and messages to resolve this issue.
Consumer complaint received 2020-12-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (WA)

I made two mobile deposits to my checking account with Chase Bank from third party checks. I have never had any issues with Chase clearing third party checks on my account. They have done so several times with no apparent issue. In fact, they cleared one check from a third party of the same name, the same day, and then placed a hold on the second check deposited the same day and from the same third party. They then closed my checking account and failed to send any info regarding the remaining balance on the account. They have told me on the phone that the funds are available, but will not release the funds. Im having a hard time understanding how they could release funds for one check from a third party ... but not the other. Their policy or procedures regarding third party checks are hard to understand and confusing. Again, I had no reason to believe that there would be any problem depositing a third party check. Based on previous experience, they have never treated a deposit this way before. If I had any reason to think that depositing a third party check would result in the closure of my account and hold on the funds deposited, I would have never attempted to deposit the check.
Consumer complaint received 2020-01-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (GA)

I have had this collection on my account for 3+ months which has nothing to do with me. Someone stole my identity or committed fraud because I never had XXXX XXXX XXXX. Please remove this collection ASAP that I have no knowledge of. Before this random collection I had a 700+ credit score. I have also a 100 % payment history with an annual income of 100,000+ a year, I am not struggling and this collection is ridiculous.
Consumer complaint received 2018-04-17
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: SLM CORPORATION (AL)

The loan started on XX/XX/2016 for {$15000.00} to attend college with an original interest amt. of 6.75 %. I have always maintained that I chose a fixed rate but of course they say it is a variable. I am way ahead in paying the loan off. However the closer I get the higher the interest rate goes, currently 8.125. I have called them multiple times, I have let them know I have decent credit and my cosigner has excellent credit but they tell me if I don't like it go get a loan from another institution. it is like they are going to get the original amount of money if I had stuck with their payment plan.
Consumer complaint received 2023-01-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have requested for my personal information to be updated with the Credit Company multiple times. I am currently getting denied for other products due to the inaccuracy of my personal information. 
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX PLEASE HAVE THE CREDIT COMPANY UPDATE MY PERSONAL INFORMATION AND DELETE ALL OTHER ADDRESSES AND NAMES ASSOCIATED WITH MY ACCOUNT Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX LA XXXX DELETE NAME KNOWN AS : XXXX. 
XXXX, XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX DELETE ADDRESS INFORMATION : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX. XXXX XXXX XXXX XXXX, IA XXXX DELETE Employers : XXXX. 
XXXX XXXX XXXX. 
XXXX
Consumer complaint received 2020-01-31
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (MD)

A cease and desist, as well as a request for a proof of contract was sent to Harris & Harris , Ltd. on XX/XX/2020. However, Harris & Harris , Ltd. refuses to respond. Instead harassing and contacting me every day, a couple of times a day since the date listed on the notification letter, XX/XX/2020.
Consumer complaint received 2024-02-13
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (IL)

I have two loans that my servicer, XXXX, acknowledged that I surpassed the number of payments required for PSFL forgiveness. But, the loans still remain active and I am required to make additional payments on them. These loans are from XXXX - XXXX years ago! XXXX respond to my prior complaint indicating that the loan forgiveness must be approved by Federal Student Aid. That was back in XX/XX/XXXX : https : XXXX
Consumer complaint received 2023-03-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

I had five fraudulent transactions on my account in XXXX, Va. 

XXXX XXXX {$1400.00} {$1500.00} ATM withdrawal at XXXX  XXXX XXXX {$320.00} {$400.00} {$280.00} Wells Fargo has denied my claim and says the transactions were not fraudulent. I live no where close to XXXX and I have only one debit card that was in my possession. I contacted Wells Fargo immediately after it happened and told them that someone hacked my account.
Consumer complaint received 2020-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (MD)

I am currently enrolled in IBR and have been since XX/XX/XXXX. When I first entered my 12-month program, my 12 months ran from XX/XX/XXXX to XX/XX/XXXX. Last year, I was asked to submit my re-certification a little earlier than usual which I did. The next thing I knew, I received an increased payment that was starting a few weeks later in XX/XX/XXXX. I called Navient because I knew that I should have started my new cycle in XX/XX/XXXX ( really was XX/XX/XXXX). As I went back through my records, I realized that Navient had ended my 12-month IBR cycle a month early in XX/XX/XXXX and XX/XX/XXXX. Therefore, I ended up paying more money earlier than scheduled and Navient did not honor the 12-month IBR program. 

Upon contacting Navient on XX/XX/XXXX, I was basically told that because I filled my forms out early that they were starting from that point. I explained that I filled it out based on the deadline Navient gave me to complete it. Therefore, their explanation did not make sense and why wouldnt that have affected me in previous years. I walked them through the documents I had with my payment cycle and how it was only implemented for 11 months, 2 years in a row, even though IBR is a 12-month program. I tried to speak with a manager and then I asked to be transferred to speak with a customer representative in the United States. That person acknowledged what I was saying and stated that an investigation needed to happen. She also stated that I would need to pay the new payment starting XX/XX/XXXX even though my 12 months were not up to avoid a late payment. So, once again I started paying an increased amount earlier than anticipated. For the record, I never heard from Navient regarding my complaint to reimburse the difference I paid due to my IBR ending earlier than the mandated 12-month period and to acknowledge their error in general. More importantly, I wanted to know why my 12 month cycle went from a XX/XX/XXXX start to an XX/XX/XXXXstart. 

Fast forward to XX/XX/XXXX. Navient just sent me an email stating that it was time for me to renew and in XX/XX/XXXX because they clearly still have me on a whole new payment cycle. I would like some clear explanations. This all feels like fraudulent behavior to me.
Consumer complaint received 2017-09-16
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. (IL)

All four major credit bureaus have illegally hoarded my personal information without this Consumers expressed written consent. Pursuant to the 1974 Privacy Act all 4 credit bureaus violated all privacy rights and allowed my personal information to be leaked due to their and false misleading ways. According to the Fair Debt Collection Practices Act all four credit bureaus maliciously and collectively shared this Consumers personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a host of others.
45 U.S. Code 231k - Incompetence ( a ) Every individual receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall be conclusively presumed to have been competent until the date on which the Board receives written notice, in a form and manner acceptable to the Board, that he is an incompetent, or a minor, for whom a guardian or other person legally vested with the care of his person or estate has been appointed : Provided, however, That, regardless of the legal competency or incompetency of an individual entitled to a benefit administered by the Board, the Board may, if it finds the interest of such individual to be served thereby, recognize actions by, and conduct transactions with, and make payments to, such individual, or recognize actions by, and conduct transactions with, and make payments to, a relative or some other person for such individuals use and benefit. 
( b ) Every guardian or other person legally vested with the care of the person or estate of an incompetent or minor who is receiving or claiming benefits, or to whom any right or privilege is extended, under this subchapter or any other Act of Congress now or hereafter administered, in whole or in part, by the Board shall have power everywhere, in the manner and to the extent prescribed by the Board, but subject to the provisions of the preceding subsection, to take any action necessary or appropriate to perfect any right or exercise any privilege of the incompetent or minor and to conduct all transactions on his behalf under this subchapter or any other Act of Congress now or hereafter  administered, in whole or in part, by the Board. Any payment made pursuant to the provisions of this section shall be a complete settlement and satisfaction of any claim, right, or interest in and to such payment. 
give it to you in ( A ) and take it away in ( B )
Consumer complaint received 2022-06-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

XXXX and XXXX bought an old debt from Capital One and sued me over it. A judgment was entered on XX/XX/2012. Per XXXX XXXXaw, they had 10 years exactly to collect on the judgment via garnishment. That date passed and I notified the XXXX XXXX XXXX Clerk of this, yet this company continues to garnish my wages in violation of XXXX law. They were also notified of the date passing, yet have not sent the release paperwork to my employer, and continue to collect on this debt. While overall a garnishment can be for longer, without a renewal before that XXXX window is up, garnishment can only be collected in the first 10 years. 

This is reference case number : XXXX in the XXXX XXXX XXXX  courts.
Consumer complaint received 2018-04-09
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (GA)

On XX/XX/XXXX I called Freedom Mortgage Company to make sure my loan payment had not changed due to receiving a renewal from my homeowner insurance company. Upon listening to the recording it stated that my XX/XX/XXXX payment was due. That was incorrect because I had paid my payment on XX/XX/XXXX through my bank online bill pay. My account showed the amount was delivered to Freedom Mortgage on XX/XX/XXXX. I spoke with the rep for Freedom Mortgage who stated they did not receive the payment. I called my bank XXXX XXXX XXXX XXXX ( XXXX )  who stated the payment was electronically processed and they should have received the payment. XXXX provided the tracking numbers to Freedom Mortgage. I was told that I would hear something back from Freedom Mortgage on XX/XX/XXXX but I did not hear from them. I call them around XXXX on XX/XX/XXXX  and the recording stated that I owed for XX/XX/XXXX and XX/XX/XXXX payment. I spoke with a rep and was told that I did a stop payment on a check on XX/XX/XXXX. Which I did not do. Freedom Mortgage took my XX/XX/XXXX XX/XX/XXXXand applied to a check # XXXX in the amount of XXXX dated XX/XX/XXXX which was lost in the mail. I was advised by the local post office and Freedom Mortgage to wait before I placed a stop payment on the check due to the bad weather in Ohio in XX/XX/XXXX. On XX/XX/XXXX I put a stop payment on the check. I spoke with a rep on XX/XX/XXXX to bring my account up-to-date so I could receive my escrow check. I specifically asked the rep on XX/XX/XXXX if they had ever received check # XXXX and he stated no but the check was sent to my bank on XX/XX/XXXX and was rejected because of the stop payment. No one can at Freedom Mortgage can tell me where the check has been for a year.. My payment on XX/XX/XXXX was {$2400.00} and that payment was delivered to Freedom Mortgage on XX/XX/XXXX which brought my account up-to-date. I received my escrow check shortly after that date. I would not have received the escrow check if my account was not up-to-date. I have paid all my payments on time since bringing the account up-to-date. Now Freedom Mortgage took my XX/XX/XXXX payment and applied to the check # XXXX   dated XX/XX/XXXX that had the stop payment on it. Now they are saying I owe for XX/XX/XXXX and XX/XX/XXXX as well. No one is returning my phone calls and whenever I speak with someone they are telling me something different each time.
Consumer complaint received 2024-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LAKEVIEW LOAN SERVICING, LLC (VA)

Lender, Lakeview Loancare bought my loan from XXXX Mortgage. The Lender has been terrible since purchasing our mortgage. Have never had such issues where my mortgage fluctuates from month to month. This lender can not tell me why it continually adjusts other than they did a reassesment. Loan # XXXX.