davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-10
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)

I have disputed the age of a medical bill at least 4 different times including sending proof of the age of this bill. It is over 7 years old. Credit Bureau says collection agency is verifying the debt yet no one can provide any proof of the debt. I was able to have the original creditor track down proof of the age of these debts from a storage unit. I sent those in to Experian and 3 days later got a response that collection agency verified and it remains. Of course the collection agency is going to say its balid they want to collect on it. Im at my wits end and need help getting this updated on my report.
Consumer complaint received 2019-01-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Premier Student Loan Center (ME)

Premier Student Loan Center. I was told that this was going to take care of 80 % of my loan and my loans have not decreased. I can not get in touch with anyone in this company. I have tried to send emails and they are no longer working. I would like to get my money back from these fraudulent practices.
Consumer complaint received 2019-09-10
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: Penn Credit Corporation (AZ)

Ive tried to settle an account with PENN CREDIT CORP and they still refuse to remove negative information even though this account was left on at the property after I moved out of state.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Data Corporation (DC)

My name is XXXX XXXX, I tried to use my debt card to purchase items at a store that uses Tele Check Services, I was turned down and was then given a code as the reason I was turned down and to get in contact with Tele Check services. I called their number XXXX, I was immediately asked for my Bank Account Drivers License Number I refused, ( I felt this to be entrapment and illegal ) My identity has been stolen. I have good credit after spending money to safe guard it, I wanted to know what was in their files on me that may hurt me again. Heck Their Parent Company XXXX XXXX ( which brought out First Data /Tele Check in XXXX of XXXX ) had a breach of their own computer Security software last year in XXXX.Now knowing this I'm suppose to just trust them with my personal information, I was then told my credit was going to be affected if I didn't comply. " this was black mail '' I filed a Small Claim against them, On XX/XX/XXXX in the District of XXXX on Superior Court (  Small Claims Court, suing for {$10000.00} ) well they hired a Law firm against ( Little ole me ) and they've stated that I brought up an article published back in XXXX from Consumer Protections web-site stating that they were fined back then in the amount of {$3.00} Million for violating the consumer protection laws, that this case belongs in District Court here in the District of XXXX  because this case was similar and was filed in the wrong Court, and should be heard in the District Court of Washington DC and while doing so they also filed for notice of removal! I'm not a lawyer!! But why are they so scared " maybe because their still up to their old tricks. The case number is XXXX with Judge XXXX they want a response by XX/XX/XXXX, In District Court of Washington, D.C. They're afraid you may come after them again.
Consumer complaint received 2024-06-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO Bank, N.A. (WA)

My fraud dispute was improperly denied ; I in no way ever intended to authorize a charge of {$2800.00} to an organization I have never heard of. I was the victimof a skimming attack where a hidden scanner or phone charged me for an amount when I was attempting to make what was supposed to be a small donation to a purported charity. I was not ever informed about a donation or charge amount of that magnitude ; BMO 's purportedfraud protection never gave any notice of a suspicious transaction. I only discoveredit by checking my account manually. 

I was under the impression this had long since been settled ; XXXX  days have passed since the initial dispute was filed. Their claim that I " had the card in my possession '' at the time completely ignores the method in which I was defrauded ; I was unaware of the existence of a second scanning device. To pull this money back out at this time is both disgusting and completely inaccurate. 

I have been a loyal BMO customer for most of my life. The fact that this is the treatment I receive the first time I am the victim of fraud is absolutely vile.
Consumer complaint received 2018-09-12
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/XXXX, I contacted Wells Fargo to request to request my Loan Agreements, Correspondence relating to loan modifications, correspondence relating to denial of loan modifications and foreclosure petition. 
The gentleman who answered phone advised me he has it but is not allowed to give me such information. He advised me my representative will call me back to give me information. I have called XXXX and 2 other employess and left countless number of messages and none will return my phone call. The original was almost taunting me by advising me he has the information but can not give it to me.

From my understanding I am entitled to these documents as they are negatively being used against me and has caused me great financial hardship. Wells Fargo continues to circumvent the law and disenfranchise American Citizens due to their greed and unethical behavior. I am requesting and will forward my case file to Senator XXXX and Senator XXXX review my EEOC case file to encourage Wells Fargo to submit my paperwork. This is very frustrating having to continue and battle with such a large organization that continues to manipulate its customers and the United States Government with its unethical behavior. 

XXXX XXXX XXXX XXXX XXXX. 
Washington DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX
Consumer complaint received 2022-07-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Check credit report and Equifax reaged an item XXXX  my credit report again and that is wrong. 

Per email they reported it XX/XX/XXXX and equifax reported it XX/XX/XXXX. 

Please help me get it corrected to reflect whast credit union stated!
Consumer complaint received 2019-09-10
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American Accounts & Advisers, Inc. (IN)

The man I spoke with told me to pay them {$25.00} a month directly so my account wouldn't go to report on my credit. I told him I didn't have income. Now I have 11 separate accounts reported on my credit report, each medical date individually, instead of reporting as one whole bill. They sent me one letter with the explanation of my past due amount to XXXX XXXX XXXX. It is listed under one file number with American Accounts & Advisers , INC. and it should not be reported as 11 separate accounts. I feel like they purposely damaged my credit, even though I am still paying them monthly, because I told them I could not accept his deal. It should be listed as one account.
Consumer complaint received 2018-09-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (FL)

Graduated from XXXX XXXX XXXX Bankruptcy filed XXXX - Have paid on Student Loans during that time. 
Borrowed {$36000.00}. Have already paid back more than {$80000.00} and they are telling me I still owe more than {$100000.00}. 
Someone please tell me how this is not extortion? Since when could financial institutions charge more than 4 times what they lent out? 
My student loans are currently paid in full 2.76 times what I borrowed. 

Upon request I am more than willing to provide communication and records of amount paid and amount still owed. I just need to see a light at the end of the tunnel.
Consumer complaint received 2019-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (NY)

I got a car loan through Santander Bank In XX/XX/XXXX, the car dealer / salesman had committed fraud when he got me the loan through Santander. In order to get my loan approved he lied on the application about the miles on the vehicle. 1 month after I bought the vehicle the motor stopped working and I tried to have it fixed using the warranty I purchased through the dealership and the Warranty company said my warranty wasnt valid because of the mileage discrepancy. So I returned the vehicle and the bank took possession of it In XX/XX/XXXX and it became a closed account / charge off. Its been on my credit reports for 7 years and 4 months as of today. It was marked to come off of my credit report in XX/XX/XXXX but now Santander has starting reporting the account as open again in an attempt to keep it on my credit file. Ive disputed this action with the credit bureaus and Ive disputed it with Santander. Ive contacted Santander and they refused to re close the account and could not give me a reason as to why they re opened it within 4 months of it falling off of my Credit File. It should be removed immediately and Im pleading for your help in assisting me with this.
Consumer complaint received 2020-09-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events. 
I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from them.
Consumer complaint received 2019-01-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (UT)

They are calling asking me if I know person A. I told them I dated her for three months back in XX/XX/2017 and haven't seen her since. I asked them to not contact me again regarding the matter as I can be no help to them and at this point they are wasting their time and mine. The next day I received a call from the same company asking the same questions. I had the phone on speaker and my current girlfriend was speaking in the background. The caller asked if that was person A and I said no. She then said it was suspicious and concerned her. This amateur detective game she is playing is honestly offensive as she essentially accused me of lying and is a pathetic tactic to try to get someone to work with you.
Consumer complaint received 2019-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: PNC Bank N.A. (NC)

Last night on XX/XX/19 I went to the gas station to get gas, PNC overdrew my account while getting gas because the systems werent correctly updated with my funds. I checked my online account at midnight on XX/XX/19 to see if there was a negative balance since I knew it let my account get possibly overdrawn to XXXX, instead of stopping the gas pump like it usually does. This morning when I looking at my account there was a small negative balance + {$36.00} overdraft fee. 

PNC systems never update ( on their online or mobile systems ), so it doesnt show your correct available funds, leading to and overdraw of one time debit card payments when not authorized to do so.
Consumer complaint received 2023-03-29
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. (FL)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXXXXXX Balance : {$870.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2019-09-10
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (TN)

I tried to pay off my loan through Hyundai Finance on XX/XX/XXXX. Hyundai sent me an email on XX/XX/XXXX to tell me that the payment did not process through my bank due to some error in the routing or account number. At that time they also imposed a {$30.00} NSF fee. 
I then called Hyundai Finance customer service and spoke to " XXXX '' who said that he would waive the fee if I paid off the loan including the fee, through him that day. I did and when I asked how the waived fee would be refunded he told me that it would come in the form of a check via US mail. 
After waiting until XX/XX/XXXX and after receiving the clear title in the mail, I called Hyundai Finance again to as when I could expect the check. I Spoke to another " XXXX '' who told me that the refund shows up in the account, but it's " just sitting there. '' He then attempted to transfer me to a manager to verify when the check could be cleared and sent. Unfortunately, my call was NOT transferred ; I was disconnected. I waited a few minutes to see if anyone would call me back but no one did. I called them back and was connected to " XXXX. '' After explaining my dilemma, she put me on hold to check into it. XXXX also said the refund was " sitting there, '' but couldn't process due to the loan being closed. She then said she would send an email to the payment processing department asking them to take care of it and also for them to contact me to advise the status. 
Nothing was done and no one called or emailed me as of today so I called once again and asked to speak to a manager and was transferred to " XXXX '' who asked me to explain the issue again even though he said he had the history pulled up. I did so and his response was that they simply don't send refunds after the account is closed. The conversation ended with my telling him that my next contact would then be Consumer Financial Protection Bureau and him saying " fine. ''
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (IL)

I recieved a notice on XX/XX/year> about a debt owed supposedly to PayPal , Inc for {$230.00}. I contacted PayPal, Inc directly as I have a current account with this party. They state they do not show an amount owed and my account is in good standing. Upon researching this company : it seems this is there common scam or tactic and they are known for sending these letters to collect a debt that does not exist through various companies in attempts to collect money from unknowing parties. Since this is a fraudulent tactic I did not contact their company directly to avoid a further attempt to collect information about myself as a protection.
Consumer complaint received 2022-08-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (MD)

I received a fraudulent wiring instructions purportedly from my Escrow Agent, in connection with the purchase of real property in XXXX, Maryland on XX/XX/2022. The SCAMMER/FRAUDSTER who is a client of JP Morgan Chase used his JP Morgan Chase Account No. XXXX to receive that amount of : {$49000.00} through wire Transfer.. The Transaction happened through my Bank XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX, XXXX, MD XXXX. Despite numerous requests beginning from XX/XX/2022, that this is a WIRED FRAUD from both myself and my bank XXXX XXXX XXXX  XXXX XXXX, staff at Chase has refused to provide any further information as to the status of the Investigation, and is also not prepared to RETURN THE FUNDS. I am entitled to know whether Chase has frozen the funds transferred via the XX/XX/XXXX Wire ( the Funds ), or has released the Funds to its account holder perpetrating this fraud, so I may determine the appropriate course of action for the return of the Funds. This is my family 's life saving, therefore I hope CFPB actions could impact JP Morgan chase to do the right thing.
Consumer complaint received 2020-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (CA)

I have been receiving notices from these people for quite some time. I thought it was mine but then realized it was a previous boyfriend of mines and they are trying to collect from me. I tried on several occasions to obtain documentation from them that proves that this is my debt and if so, that this collection agency has the right to collect the debt. I have not received anything and they continue to report to the credit bureaus and they continue to send me notices. 

XX/XX/XXXX - Requested Validation/verification of proof that this debt is mine, that they were assigned the debt as well as proof that the debt was assignable. 

XX/XX/XXXX - Sent a 2nd request to validate/verify the account. 

XX/XX/XXXX - Made a 3rd FULL REQUEST of proof that this debt is mine, that they were assigned the debt as well as proof that the debt was assignable. 

They simply ignored me each time and sent nothing. So I would like assistance in either obtaining this information, or assistance in having them to stop reporting this unverifiable information on my credit report.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Rent Recovery Solutions (NC)

This company rent recovery stated to you that it has ordered the deletion of this account off my credit report after they were informed and agreed information was not accurate. 

Look at the attached documents, they continue to report this bogus and invalid account to the credit bureaus now 17 days later contrary to what they stated to you. 

Please open an investigation as to the lies they are providing to you.
Consumer complaint received 2022-08-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc (CA)

On XXXX XXXX around XXXX PST, two fraudulent attempts in Washington were made on my account ( one through XXXX XXXX which notified my phone via the bank app ; Chime Bank did not process these charges due to insufficient funds. I reached out to Chime support immediately via the app to have my account and card locked which did not happen. Chime support has admitted this failure on their part but still refuses to approve my dispute claim for the following event. 

I live in XXXX XXXX, California and on XX/XX/2022 at XXXX PST a charge to XXXX for {$140.00} was processed on my account that I did not approve, request, or process. This charge is unapproved. I immediately disputed the charge through Chime support however they refuse to approve my dispute as they believe this charge is not fraudulent ; which is false. 

I have spent a month going back and forth with Chime and XXXX to get all of the details of this case. 

I submitted a missing payment report and a fraudulent payment report to XXXX  however their system and support teams can not locate the charge or my bank information in their system. XXXX is unable to locate the charge of {$140.00} and therefore can not reverse the money. They recommend that I reach out to Chime to have the charge disputed. 

It is now XX/XX/2022 and Chime Bank still refuses to approve my dispute request in the amount of {$140.00} for a fraudulent charge that occurred XX/XX/XXXX. I have called their bank 7 times and spoken with 15 chime support agents who could not assist me. I have sent 8 emails to the Chime support team to rebuttal my case in an attempt to have my request approved. It is now a month later and my funds are still being withheld by Chime whose dispute team has not provided clarity on what information they need to approve my case.
Consumer complaint received 2017-02-03
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: Ditech Financial LLC (OR)

We received a XXXX XXXX from Ditech Financial LLC. for an account that was " settled in full in XXXX '' for an old account. Ditech has stated they sent this form into the IRS and we will need to claim it as income for XXXX. Since the Fair Credit Reporting Act states I need only keep this information for 7 years I no longer have the settlement in full agreement. We have Never had an acct with Ditech
Consumer complaint received 2024-04-10
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. (GA)

According to 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX has reported late payments and has not mailed or delivered a periodic statement to me 21 days before the due date. They have failed to send the proof for which I have asked. Experian, XXXX, and XXXX have reported these late payments without verification and without my consent. 

In addition, I, the consumer, never gave Experian, XXXX or XXXX written permission or consent to furnish my information or obtain my information. I also sent a remittance coupon for payment on my account. XXXX XXXX has not presented this coupon for payment on my account and has not returned it to me.