davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Adjusters, LLC (FL)

they told me they will sue me for a debt that is 10 years old that i included in my banruptcy 10 yerts ago they cant collect anything the statue of limitations is done she told me if i dont she will effect my credit tporet and have me arrested
Consumer complaint received 2022-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (IL)

In XX/XX/XXXX, I received communication that I had to renew my IBR before XX/XX/XXXX to be eligible. Around XX/XX/XXXX, I submitted annual recertification through the AES website which they sent me a letter on XX/XX/XXXX that I would have to pay {$10.00} every month based on my income. In XX/XX/XXXX, I submitted new certification documentation because my income was absolutely XXXX because I would no longer receive unemployment which was my income at the time. So for XX/XX/XXXX, they send me my IBR approval request of {$0.00} but are still charging me the {$10.00} for the original plan which I contacted them and asked them why? I had never had this issue before and my income had been higher at other points, such as $ XXXX which is more than the $ XXXX XXXX received for my unemployment for that year and my Ibr would always be {$0.00}, so why did this amount change and they said that I had to pay it? Trump had a freeze on student loans which started in XXXX XXXX and President Biden has extended to XX/XX/XXXX, so why did AES take my account to collections for {$10.00} when there is a freeze on student loan payments and since there is a freeze, I wouldnt have needed to submit recertification documentation until after XX/XX/XXXX? This is ridiculous and an insult. I sent in my paperwork on time and the second time as well. It isn't my fault they didnt answer my recert until XXXX XXXX.
Consumer complaint received 2018-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/18, I wanted to check my FREE credit bureau credit report from TransUnion. In doing so, the first message was " error, information could not be processed or received, '' which had then led me to a sign up page. Without my knowledge, I signed up in order to view my credit score, only to find out that on my credit card, it had charged my credit card {$19.00}. This was unknowing and thus, has led me to make this dispute. The error caused my curious self to be out of {$20.00}, leaving me to be quite angry at the situation.
Consumer complaint received 2023-04-06
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. (TX)

My car was broken into last year and my identity was stolen, and there are fraudulent account ( s ) and inquiries reporting on my credit report. I have reached out to the companies directly and the credit bureaus to solve this issue but have received no help in doing so. I attached the police report information and a FTC report to hopefully expedite this matter. This fraudulent information being on my reports is causing harm to my reputation with credit unions and banks and it is unfair that ir has not been removed despite my efforts. 

XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX XXXX XXXX XXXX XXXX inquiry on XX/XX/2022 XXXX XXXX - Fraudulent inquiry on XX/XX/2022 XXXX Bank Dealer Services - Fraudulent inquiry on XX/XX/2022 Elan Financial - Fraudulent account showing on my credit reports
Consumer complaint received 2019-05-04
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

I submitted a complaint with CFPB on XXXX, complaint number XXXX-XXXX on capital one.On XXXX capital one responded that they needed more time to work on issue.On XXXX capital one called me at XXXX and the lady handling the complaint XXXX-XXXX told me that she really couldn't find paperwork from XXXX 0r XXXX but relied on a recorded phone calls from XXXX and XXXX.I told her can you provide me and CFPB with any evidence of those conversations as well as any paper work that says that capital one didn't agree taking off the negative/closed accounts ( trade line ) off all credit reports when I paid them off.She said she couldn't provide any details with me or CFPB.I told her I disagree with you on your findings.I told her if you/capital one denies my complaint you must give details of your findings.Therefore, I disagree with this lady/capital one handling complaint number XXXX-XXXX is lying.Originally she needed more time on complaint cause she couldn't produce any information or paper but did make up/lie on recorded conversations.She said im sorry, but she took the proper steps and unfortunately cant help me.She is lying
Consumer complaint received 2020-12-17
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

Attempt to refinance loan to lower Interest only. Tried to work with Chase from XXXX XXXX Finally in XXXX of XXXX we were able to refinance with XXXX XXXX  and pay off Chase at the high interest rate of 7.8 %. Both my husband and I have great credit so have to think our last attempt to reach out to Chase several times ( I have reference letters to attach ) was due to our age??? 

Sent Chase letter of complaint XXXX since XXXX XXXX  offered us a rate of 3.25 % XXXX closing costs of {$1700.00} the only way we could get out of this high interest rate. 

Chase responded XXXX and stated they would have answer/updated by XXXX. 
As of XXXX no update.
Consumer complaint received 2019-05-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This is my 3rd attempt contacting the Federal Trade Commission and the CFPB to help remove the unauthorized credit inquiry on my credit. I value my credit to the utmost ... Please DELETE this immediately. 

XXXX XXXX on XXXX XX/XX/2017 XXXX XXXX on Transunion XX/XX/1017 These are unauthorized and I want them deleted immediately. 

Thank you,
Consumer complaint received 2019-04-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2018 my wife and my self went to 7 days cruise to three different countries starting from XXXX ( XX/XX/2018 through XX/XX/2018 ) when we came back we found out that someone took {$400.00} from our checking account through XXXX XXXX XXXX ATM in XXXX. 
I called Bank Of America and disputed it for the following reasons : 1- We were not in US when this transaction happened. 
2- We didn't use our cards either on ship nor in any of the the 3 countries to avoid any unauthorized use..We only used cash. 
3- We had our cards with and we didn't loss them. 
4-We have't been in XXXX for more than 5 years. 

I called bank of America many many time and wasted hours on the phone with them and they asked me to fax any documents proving that we were not in US in that time, I faxed it twice but they deny and closed our claim saying that the card was presented at the time because the card chip was read!!?
Consumer complaint received 2023-01-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation (AZ)

All the details remain from my previous complaint. 

However, since then, they charge me again, after specifically being told, they do not have permission. Because of this, I am unable to eat. 

The payment below was not only unauthorized they were specifically told not to charge my bank account again.
Consumer complaint received 2019-05-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Every month I send Capital One a check for the regular monthly payment, and I include a separate check for XXXX $ clearly labelled PRINCIPLE ONLY. They then take a portion of that XXXX $ PO payment and apply it to an additional monthly payment. I have contacted them 3 times and they will not stop doing this. I don't see how this is not theft/fraud.
Consumer complaint received 2018-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Checkr, Inc (NY)

XXXX XXXX is posted two times, once on the date of the XXXX  and again on the date of XXXX : XXXX XXXX XXXX XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - date of XXXX  The Accident dated XX/XX/XXXX was 100 % not my fault, the other driver rear ended me and I won a settlement in the case for the other driver 's neglect. 

XXXX XXXX
Consumer complaint received 2022-01-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

This company has intentionally posted personal medical information across the internet on multiple occasion. Wakefield & Associate has intentionally posted fraudulent claims to my credit report stating that I owe the company. There was never any documents or paperwork sent over to me stating that I had an option to validate this claim. I've never done business or have I ever signed any contractual agreement or documentation with this company. XX/XX/XXXX at XXXX there was a certified letter ( XXXX XXXX XXXX XXXX XXXX ) signed for at the company front office requesting removable of this information from my credit report. 


1 ) Could you provide the name of which company that is intentionally sharing, posting private and personal unauthorized release of information to a public site where anyone can review, gain and obtain of personal information. 

2 ) Could you provide the name of which company that is intentionally using a direct sign of intimidation with bogus claims with a direct violation if HIPPA 3 ) Could you provide information where your company notified me by phone by law, which clearly states that your company has to give me five days to respond before posting this false and inaccurate of information to my credit profile 4 ) Could you provide information where your company sent out letters to me stating that I can request a validation of this debt 5 ) Could you provide me with proof that there was indeed a contractual agreement between myself, and Wakefield & Associates signed and dated with both my signature and also Wakefield & Associates signature on it, stating that I agreed to pay this fraudulent debt to Wakefield & Associates. 

XXXX ) Could you provide the beginning and ending of this inaccurate service that I rendered from Wakefield & Associates with my signature and again Wakefield & Associates/Agent signature on it. 

7 ) Could you provide me with documentation that they went about the CORRECTED LAWFUL way under the Fair Debt Collection Practices Act of XXXX of warning me about my RIGHTS to validation in writing or by mail within the CORRECTED initial TIME frame by law. 

8 ) Could you provide me Proven Documentation that their company practices are not showing fraudulent purchasing of individuals personal information. 

9 ) Could you provide me documentation that your is not using methods of the UNJUST ENRICHMENT LAW 10 ) Again, I'm DEMANDING that my name to be disassociate with your company as well as this fraudulent information to be remove from my credit report, XXXX, and wherever else you might have my name associated with.
Consumer complaint received 2022-03-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (GA)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2022-03-31
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)

I submitted my police report to Equifax detailing fraudulent accounts reporting in error on my credit report. The account numbers and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. Equifax processed disputes and verified my name and social security number that has been breached and ignored my police report detailing the fraudulent accounts that I did not open.
Consumer complaint received 2023-04-06
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. (SD)

between XX/XX/2018 and today XXXX XXXX has reported fraudulent information without my permission on my credit report with no communication and opt out ever sent to me. 

Fraud Alert. This account does not belong to you. 
No written permission has been giving by the consumer to any debt collector or credit reporting agency or any person or any company to report anything on a credit report using me private information. 15 USC 1681 a,2, 15 USC 1681 a, 4, 15 USC 6802 No opt out letter or written communication has ever been received by the consumer from any consumer reporting agency or any debt collector who has placed fraudulent information on my consumer credit report. 
Provide me with a certified copy of the investigative consumer report with full disclosure that has been completed to validate and verify the information that has been reported.

Provide me with certified copy of the written permission that you have from me to report anything.

Provide me with all of the written communication with me with my opportunity to opt out.

Provide me with the bona fide evidence that i am all four of the entities on the report. 
Provide me with bona fide evidence that you have abided by the law.
Consumer complaint received 2019-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ORG GC GP BUYER, LLC (MA)

Good Evening Management Team ; My name is XXXX, and after several calls with XXXX XXXX XXXX where they said that they are not handling this account on my credit report anymore and it was actually sent to a collection company, and then they transferred me to GC Services main office, a collection services company, then they transferred me to XXXX based office where we were able to discuss the debt with the Manager there XXXX XXXX file # XXXX. The debt has been paid but they continue to report them incorrect on my credit report. XXXX it reporting wrong balance, and they never sent me any notification that the debt was sold and I never received any notification to challenged the validity of the debt. 

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2019-05-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OK)

I have help to write this letter for help. I am currently on XXXX I started drawing this in 2010. I was referred by XXXX worker to Legal aid to assist me with getting XXXX because I was struggling in the program tanf. I tested in the program with XXXX program and my results were very low and under testing requirements low math scores and cognitive scores showing I had scored low intellect scores in many areas. I struggled all through school I graduated but I'm sure they just passed me through. so I eventually tried the 2 year college I scored low but financial aid obviously pushed loans that I never understood the whole process of even where to get my books. so I never completed to gain credits. How could they allow me to enroll and receive fincial aid knowing i couldnt complete. when I clearly struggled to even find the classes. even in school I was not offered special classes when I showed failing always. XXXX sent me to test in many areas and I was shocked when an advisor give me my results basically I had many learning problems. I started Adult ATTN ( ADD ) medication as an adult it helped but I developed insecurities over the years from losing employment I still feel humiliated from so many comments on my ATTN issues math XXXX and on how it takes too long for me to learn tasks. I'm now responsible for these loans that I never gained a degree for with so many attempts to try again to fail ..I wish someone could have not allowed this financial hardship and prevented such a waist of funding with out special placement of some kind.
Consumer complaint received 2019-05-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NJ)

Both my mother 's and my Paypal funds were put on limitation on XX/XX/19 and we were given no reason why and were told that these funds ( our money ) would be held for 180 days/6 months. Twice, I have spoken on the phone to 2 different Paypal supervisors and got nowhere with either supervisor in getting my mother 's or my money released to us. I advised the supervisors that this is illegal to hold our money. There are laws against Paypal, Inc.doing this - Money Transmission Act, Section 184.1 states that funds can not be held for longer than 10 days. My mother is not only a widow for 15 years, but is also a XXXX senior citizen and living on Social Security, which is her only income. She and I need the money Paypal is holding to help pay our bills. Even though we would never deal with Paypal again - all we are requesting is that Paypal , Inc . release our money that they are holding for six months. I also filed a complaint with the XXXX XXXX XXXX about this. 
Thank you for your anticipated assistance in resolving our problems.
Consumer complaint received 2019-04-02
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX authorized a fraudulent transaction of {$700.00} made by Capital One using the bank routing number and my account number from a phone call payment to them. Neither company had verifications in place and will not review this case despite the fact I do not have an account with Captail One. This  type of theft is too easy as it is on everyone 's personal checks. 
XXXX has also cited a 60 day rule that they can't do anything however federal law 1005.11 cites 60 days after statement is sent ( I would reasonably expect my XXXX statement in XXXX ) that would not be 60 days.
Consumer complaint received 2019-09-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Accounts & Advisers, Inc. (MN)

American Accounts and Advisors are reporting the same debt from the same medical creditor for the same date of service seven times under different amounts. The collection agency via a phone call admitted to knowing the date of delinquency was 6 years prior however they are reporting the debt as new from the date they bought the debt which was years later. I tried to resolve this with the agency who in the same phone call admitted they know the 21 collection accounts ( some as little as XXXX cents they reported ) are from one date of service with the creditor and that the date of service is 6 years old, they admitted that they report the debt monthly, and that they know the creditor creates new " accounts '' under the patients name per line item on the medical bill when they send the patient to collections for one medical date of service. Despite knowing this the collection agency representative tells me that they are compelled to report this as multiple debts because thats how it was reported to them, this violates the reasonable person standard for reporting. As any reasonable person would know that a patient is not seen 21 individual times on one date of service. This seems fraudulent to me both on the collection agency 's side AND the reporting medical creditor. Additionally, the Collection agency sent one notice informing me of one amount due for this creditor, again, this shows that the collection agency is aware that there is only one debt owed but is complicit in reporting it multiple times for maximum negative impact to my credit.
Consumer complaint received 2019-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (SC)

LVNV Funding LLC added two derogatory mark against my credit report. This is a collections agency that I have no agreement with. After getting an alert that this collections agency had placed derogatory marks on my credit report, I wrote them a letter to dispute said debt. I have yet to receive the letter from them stating, confirming and validating said debt. The letter was written to LVNV Funding LLC in XXXX of this year. We are now in the month of XXXX heading for XXXX. And yet I wait. 

I never received any correspondence from them. I only knew that they placed a derogatory mark on my credit report when I got the alert from XXXX XXXX. 

They did it for two separate accounts.