davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-29
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: Experian Information Solutions Inc. (CA)

I am a victim of identity theft.My personal information was compromised and accounts were opened fraudulently in my name without my knowledge and approval. 
This company requested that I provide detail proof of my identity theft. I sent this company my dispute, Police report and my identity theft report on XXXX but to my surprise this company have not removed the fraudulent accounts from my credit report within the 4 days as required by law. 
Again these accounts are fraudulently reporting on my report, please delete asap : 1.XXXX  XXXX XXXX # XXXX -This Account is Linked to fraudulent charges, PLEASE DELETE 2.XXXX XXXX XXXX XXXX  AC # XXXX I did not open this account, please remove asap 3. XXXX XXXX XXXX AC # XXXX*****-This account was fraudulently opened, delete asap This my third and final notice to this company as I declare my final Intent to sue.I have not received any service from these creditors either. Please block this information from my credit report, as per 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 

Attached herewith 1. My dispute i sent to this company on XXXX 2. My police report 3. my FTC report
Consumer complaint received 2018-08-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

In approximately XX/XX/2017, the last of many regular/on time payments to my Best Buy credit card resulted in a credit of {$41.00} and change. ( all payments were more than the minimum to reduce the interest ). 
Consequently I received in the mail a refund for the {$41.00} & change, which I deposited to my checking acct. What I did not know, was that Best Buy also mistakenly electronically deposited the same amount to my checking acct. ( considering how unscrupulous Best Buy is handling this situation, one has at least consider the possibility their actions are intentional to extract a Black mail payoff ) After several threatening Robo calls, I called Best Buy to inquire how I could be charged late fees and interest on an account that was paid in full, and resulted in Best Buy issuing a refund check. Even the Best Buy people I spoke with didn't know why, until their investigation revealed their mistake. ( Because I had already seen a physical check, I never thought to be watching my checking acct. for another ( erroneous ) deposit. ) As soon as I learned of their mistake I returned the {$41.00} & change. 
Despite Best Buy acknowledging their mistake, they insist on charging late fees and interest for the {$41.00} & change for the 2 months that NO ONE knew of their mistake. They continued to increase their penalties up to a total of {$430.00}! 
After I disputed these dishonest penalties they charged off {$310.00} and continue to report that amount as Past Due. 
My next step will be to sue Best Buy!
Consumer complaint received 2018-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CO)

I submitted an employment certification form to XXXX XXXX  and noticed that the number of qualifying payments was significantly less than the actual amount of payments I made. Some loans showed 9 qualifying payments while others showed 6, even though they were all handled under the same IDR and payments were collected on all loans at the same time through direct debit. When I submitted a request to XXXX on XX/XX/2018, they said they would check on it and let me know within 70-90 days. At the time I believed I had made at least 12 on time, qualifying payments. I was at the same government organization for the entire time and had already submitted an ECF the year before. I am still at that organization. I followed up on XX/XX/2018 after over 90 days and XXXX said it would take even longer. I have kept records and know I have submitted 18 qualifying payments at this point. I followed up with XXXX again on XX/XX/2018 ( 132 days later ) and have not received a response.
Consumer complaint received 2023-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (NY)

I'm XXXX, I received the findings from incomm on XX/XX/XXXX, my case numberXXXX, They told me sent a new gift card to my XXXX  address, but the case has been 3 months and I changed a new address last month, I have moved from XXXX  to XXXX XXXX, my old address in XXXX  is XXXX XXXX XXXX XXXX XXXX XXXX. I contacted the customer service on the back of the card and provided my case number and name and address, but she said she could not verify me. I think she deliberately didn't want to help me, and told me that if I have any questions, please reply to this email XXXX, which I did, but 4 days have gone, and I haven't received anything reply, I can't contact them about my case, I cant get help, I hope CFPB can help me, Ive been waiting so long time for this case, if you can help me change my address, please let me know, if they use XXXX to send the new card to me, please let me know the tracking number, my new address is : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. I actually explained to customer service representative XXXX XXXX another case last month that I moved to XXXX XXXX for work, please change my new address The mailing address of the card.
Consumer complaint received 2019-05-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (GA)

My doctor submit documents that I am XXXX Nelnet said they never received the documents the documents were sent two times they are giving me a run arouni am to sick to put up with this. Could you help me my phone number is XXXX XXXX I attached the documents that need s to be sent in. Could you make sure they are sent in I am very I'll and couldn't do it it's wrong to miss treat a person these documents go to the XXXX section. Thank you XXXX XXXX
Consumer complaint received 2024-03-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (NY)

I bought a card in XXXX and they claimed fraud ok. They replaced it and the new card still says fraud! I want my money back. You guys are scamming its XXXX XXXX Card says active but thats not true
Consumer complaint received 2022-07-09
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. (MD)

The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. I seen massive inquiries! such the ones below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Consumer complaint received 2018-08-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XX/XX/2018, I, XXXX XXXX XXXX, and my husband, XXXX XXXX, filed for bunkruptcy of some credit card debt incurred through XXXX XXXXXXXX XXXX business. 

That bankruptcy never included the 1st & 2nd mortgages held by myself and a third party, XXXX XXXX These mortgages are for the primary residence of XXXX XXXX, XXXX XXXXXXXX, & XXXX XXXX. 

In XX/XX/2018, Bank of America ( holder of the 1st mortgage ) notified us that they sold that mortgage to XXXX XXXX. We were paid up and current with BofA, and going forward from XX/XX/2018 our payment were to be made to XXXX XXXX. 

We did all that. Now BofA is insisting on a duplicate payment back to them that we were never notified about and BofA has attached themselves to our bankruptcy after-the-fact, and after the terms of our bankrupcy had already been negotiated and signed on.
Consumer complaint received 2018-08-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (PA)

The failed under the FDCPA and FCRA to notify me about my right as required by the law, so I can dispute and ask for validation. Also the debt it not mine. In XX/XX/XXXX I was contacted by XXXX collection agency about the same debt, I asked for validation they was not able to proof that, so the sale the debt to diversified consultants. The debt it for XXXX but diversified consultants stated in my credit report that its 2 month old debt, this is misrepresenting of information which is violation also.o send them a letter asking them to delete the account from credit bureau, but they failed to respond. I have no idea about this debt it not mine. I need your help to investigate on my behalf to them and credit bureau. It a XXXX debt
Consumer complaint received 2023-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Phoenix Financial Services LLC (FL)

I was in a car accident in XXXX and was taken by ambulance to the hospital. This bill was paid from my XXXX car 's Personal Injury Protection insurance. 

On XX/XX/XXXX my credit score was XXXX, I happened to check it recently and found a company PHOENIX FINANCIAL SERV in the collection section of my credit and my score dropped over 100 + points. I immediately contacted them to ask what it was for, and they said it was an old debt for medical. The woman on the phone was beyond rude and asked for personal information. I ended the call and filed a dispute to have this removed through XXXX. A week later, the company confirmed on my credit report that it was paid, but they have not removed it. This is an erroneous credit hit against me. 

XX/XX/XXXX - called XXXX today and they said I have to " fight '' with this company to have this removed from my credit. I am astonished a company can just place a medical collection on my report and refuse to clear it from my report after confirming with the credit bureau it was in fact paid and is not a valid collection. 

Company Name that is reporting this charge : PHOENIX FINANCIAL SERVIC Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1900.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$0.00} Original balance {$1900.00} Highest balance {$0.00} Terms 1 Months On record until XX/XX/XXXX How can a company find a 6-year-old invoice from my medical history and claim I owe this amount? Why haven't they removed this after it was proved to have been paid from my medical insurance? 

What help can you provide me? I am very conscious of my credit and pay all my bills on time, this company needs to remove this from my credit report immediately.
Consumer complaint received 2018-08-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (IA)

From XX/XX/XXXX through the beginning of XXXX, Wells Fargo charged over {$2000.00} in overdraft fees on an account that they eventually closed for " insufficient funds. '' My thought process is if they hadn't charged over {$2000.00} in overdraft fees, the account would not have needed to be closed for " insufficient funds. '' In fact, some of the {$35.00} charges were for amounts less than {$35.00}, which means that if overdraft charges had not been charged so needlessly and frequently, the account could have been in good standing from XXXX or XXXX onward.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.
Consumer complaint received 2018-08-29
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: I.C. System, Inc. (TX)

i recently noticed on my credit report a debt collection. This collection is for {$78.00} and was added to my credit report on XX/XX/2018 from IC System. A collection company I have never heard of. This reporting is inaccurate and laws have been broken. Now we all know that collection companies buy debt and do such illegally. Also, we know collection companies will call, harass and threaten consumers to get money they paid another company for your debt. Also, even though a collection company buys debt, the consumer can still pay a debt to the original company. However, this company that added this supposed debt did not follow the law. According to law, you must first contact the consumer and make them aware of any debt to that is owed and be sure a debt is even owed, then you must send something in writing and give the consumer time to agree and make arrangements. Furthermore, this company failed all aspects. I know nothing on this debt, was never contacted by any means and I have not signed any legal document in regards to this company. I have contacted my local postal carrier and it shows nothing from this company. Now I have contacted my local attorney general office and family attorney on this matter.
Consumer complaint received 2018-08-29
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Convergent Resources, Inc. (CA)

convergent is attempting to collect on the debt that is not valid. They claim to be collecting on behalf of XXXX which I was never in default still have my account active and current. I did request validation from XXXX the original creditor who stated there are NO past due account or collections in my name however convergent is threatening to garnish wages and to sue me for this erroneous account please help me stop this scam
Consumer complaint received 2018-08-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NJ)

I was denied for a loan modification by Wells Fargo. It took them months of back and forth until they finally made a decision to deny my loan modification. It is an FHA backed loan. They didn't give me a reason, state that I have {$0.00} in income after I provided paystub upon pay stub. I provided bank statements, tax returns. I asked on numerous occasions if there was anything else they needed from me. My home preservation specialist told me on several occasions that based on what he looked like all looked well and they would find something for me to qualify for. Towards the end of the process I emailed and called my specialist and they fell radio silent on me. Then I had to involve someone else who had to tell me over the phone that I didn't qualify and they couldn't tell me why. Now I am appealing however I think there is something shady going on with this. I am incredibly upset and am thinking of going public with this considering Wells Fargo is already in trouble for doing such nonsense to their consumers.
Consumer complaint received 2018-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LEXISNEXIS (DE)

LexisNexis is a fourth credit bureau with public record information that is used by apartment complexes to determine qualification for a lease. They have a judgement on their records for me that was WITHDRAWN. I need it removed. I attempted to dispute this with LexisNexis directly but that process isn't available. The Fair Credit Reporting Act would cover them as well and gives me the right to dispute negative items on their files. 

I have attached a copy of the notice of WITHDRAWN judgement. The court is XXXX XXXX XXXX in XXXX, DE. The case is XXXX
Consumer complaint received 2018-07-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I requested that Portfolio Recovery provide me with copies of full accounting of two accounts they are reporting on my credit report XX/XX/2018. 
The law requires them to provide these documents within 30 days or they should remove these accounts from my credit report. 

I have yet to receive any copies of any letters that says they own the debt, when the debt was transferred by the company or an accounting of how they came to the amount they claim I owe. 

I would like copies of these documents according to the FCRA.
Consumer complaint received 2018-08-29
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. (TX)

All three credit reporting agency show hard inquiries I didnt apply for and they said they dont care I said its Identity theft and here 's the report they said they wont accept it I have proof from Equifax From them my information was compromised in the data breach they said they dont care. I have a id theft report they refused to use I mailed it to them they opened it then returned it saying the will not except this id theft report and all three credit reporting agencies have been sent these reports before 5 times, and they didnt care and there is more then the hard inquiries I my form that are on report due to id theft. 
And here is the proof of the if theft report you requested again for the 4 time everything on this complaint shows proof of identity you requested
Consumer complaint received 2022-07-09
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: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

On XX/XX/2022, I saw in my credit report a remark from bank of America that I could not recognize. So I called the bank about the comments at XXXX XXXX  the same day and asked for clarification. But unfortunately, the bank refused to clarify the information. On top of that, when I insisted on explaining the report, the customer representative stopped talking and eventually hung up the phone.
Consumer complaint received 2022-07-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (OK)

A report of a auto sent through XXXX XXXX is listed on my report that was included in a bankruptcy. Im have a bankruptcy showing in my report and a XXXX XXXX showing 90 days late which is incorrect. This account was paid in full and on time. This XXXX  account is only being reported by experian and needs to be removed immediately Im being penalized twice for the same issue.
Consumer complaint received 2023-03-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (CA)

My accounts are with Chase. 
XXXX dollars I asked the teller to pull out in cash and she agreed and used the money machine counter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The teller promised me since I had to go that the money would be returned immediately into my account. But it was not! I went back to ca to local branch at home and they set me up with a fraud person who lied about receiving the messages to start an investigation. The date of when this happened was XXXX XXXX that the XXXX was stollen. This happened in show low Arizona chase branch.
Consumer complaint received 2019-05-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: National Credit Adjusters, LLC (TX)

I have received numerous phone calls from XXXX from National Credit Adjusters. I received the phone call on XXXX at XXXX and XXXX. I also received calls from them on XXXX at XXXX and XXXX. Debt collectors are allowed 1 phone call a day and then are not suppose to further call you if you tell them to quite calling they are not suppose to call you. All four times they were told to quite calling. They say its a personal business matter and that's all they will say until they confirm they have the right person. Come on why would they call if they didn't have the right person. Please see the attached files.