davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe (FL)

This complaint is for XXXX XXXX College as well as Conserve Collection agency. I called XXXX XXXX College in XX/XX/XXXX to inquire about a balance on my account when I was trying to register for classes. To my surprise, she stated that I had a {$390.00} balance for a registered class for Fall of XX/XX/XXXX. I let her know that I delivered my premature son in XX/XX/XXXX and I did not take nor drop or withdraw from a class- it was not possible. She stated that I would have to come in ( I live an hour away ) and file an appeal for it. 

TWO weeks later, I get an alert on my credit report that there is a new account listed, Conserve. I called to find out what company was the original creditor, and they stated that XXXX ( XXXX XXXX College ) was the original creditor but they didn't know for what. XXXX NEVER notified me that there was any sort of balance on my account- let alone one that would possibly be forwarded to collections, I HAD TO CALL THEM TO REGISTER then all of a sudden 2 weeks later its already in collections? How? 

I drove the hour to XXXX in XX/XX/XXXX to file the appeal. When asking about this balance, I asked how it would be possible to have a balance for a class that I never took. If I was registered for a class, after 24 hours of non-payment, the class is automatically dropped. Also, after being a no-show for a class, ( online or in person you are dropped ). They are attempting to charge me a balance for a class that I was not even able to log into ( my doctor verified this with the letter he faxed to XXXX ) and that I should have been automatically dropped from this. 

After sending in all supporting documents and a statement explaining why I was appealing this balance, I got a call from someone at XXXX saying that they changed a rule that you only have 90 days to appeal something like this and now it is too late. She gave me the email address of the woman who made this decision- XXXX and that was it. How is someone supposed to appeal something within 90 days if they are not given ANY notice of this at all? I would have never known this was even amount that I was being charged, had I not contacted them about registering for a class. Conserve and XXXX are now single-handedly ruining my credit by reporting an account that is not even a valid debt EVERY WEEK. This is literally a scam and {$400.00} may not be a lot to many to where they would just pay it but this is WRONG. This is not a valid debt- these are not real charges! 

XXXX and Conserve are trying to make money off of people by bullying them into paying XXXX  charges. I called Conserve again this morning and advised them that I am attempting to handle this with XXXX and this is being disputed and the rep stated that they will continue to report this every week. Please help.
Consumer complaint received 2015-11-06
Product: Other financial service — Check cashing
Issue: Customer service/Customer relations — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (OH)

I went into a CheckSmart located at XXXX XXXX XXXX XXXX XXXX, Ohio to cash a check in XXXX 2015. The teller XXXX was in a huge hurry because she was scheduled to be off. She quickly called the number on the check to verify the check and funds and cashed it. Today XX/XX/2015 I am getting threatening phone calls from XXXX XXXX at Checksmart Corp telling me I know why he is calling me and he has plans for me to answer to the law, my life is over, huge threats he is making. I have no idea what is going on because he was too busy threatening me and telling me I already knew why he was calling. This is in no way how you conduct business.
Consumer complaint received 2022-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Oliver Adjustment Co. (IA)

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with OLIVER ADJUSTMENT. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Consumer complaint received 2018-09-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc. (TN)

Jon Barry and Associates DBA XXXX XXXX XXXX XXXX XXXX XXXX Ct , XXXX XXXX XXXX XXXX Scammer- Sending collection notice and reporting on paid accounts-This is the second time he has attempted to collect on a paid account. this collection activity should be illegal and this person needs to be have his ability to further this activity removed. I HAVE POSTED TO THE CREDIT BUREAU THAT A PREVIOUS CLAIM WAS UNFOUNDED. 
I have written directly to the address with no response. It seems like this is some kid sitting in his bedroom, trying to scam others to make money.
Consumer complaint received 2019-01-10
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Midwest Recovery Systems (MO)

I am sure that I have already paid this debt. I had gone to exhaustive measures to pay all the loans I had ever taken out several years ago and have not taken any loans out for many years. 
They say this debt was from XX/XX/2012. I know that a few years ago, after XX/XX/2012 but I'm not sure what year I paid everything because I had the money to and I knew I probably wouldn't get another chance. Since then I've had continuous phone calls and debt collections activities target me because of what I believe to be what is called " Zombie Debt. '' These collectors will send phony letters or even try and collect on legitimate past debts that has already been paid. I called a lawyer and they told me to come here but that the CFPB has been gutted by Trump. 
If you know of a good lawyer then email me their info because I would rather pay thousands to a lawyer now to make this stop than keep paying these XXXX every time they want to exploit me.
Consumer complaint received 2019-10-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Action Financial Services, LLC (LA)

I have been actively trying to talk with Action Financial Services to establish a voluntary repayment schedule since I was notified of this loan being placed with them. I have the following issues : - I am unable to set up a voluntary repayment because they told me it was at the wage garnishment stage and I had to request a hearing. 
- The service rep at AFS confirmed that they did not have my correct address on file ( I found out that they had the debt because my neighbor brought over an opened piece of mail from them in Aug - the notice was dated in XX/XX/XXXX ), so now my neighbor knows my personal information. I called AFS to set something up as soon as I was notified.

- This notice did NOT mention garnishment, I found out about that when I called AFS - I have faxed the required hearing request to the number they gave me on multiple occassions and have not received any response - I received a letter, yesterday, dated XX/XX/XXXX that says it is a final notice of garnishment of up to 15 % of my wages ... I absolutely can not afford that and wish to enter into voluntary repayment. This letter states " You may still exercise the right to contest this action as cited in our original Notice. However ; because you failed to comply ... your exercise of this right will not result in the delay of a wage garnishment '' - I never received the original notice - it was confirmed that they did not have my correct address - I gave them my email and my phone in addition to my correct address and NOBODY HAS CONTACTED ME! 

I am simply trying to enter into a voluntary repayment and avoid the garnishment but, all they give me to communicate with the hearing department is a fax number. I have transmission reports that show the information was sent but, I still receive no response. It is not fair that I've not received any communication until this FINAL NOTICE. I deserve a chance to voluntarily repay this debt without a garnishment.
Consumer complaint received 2022-10-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Consumer complaint received 2019-10-17
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: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

Closed an account from XXXX XXXX with cashiers check as I was moving to another location which did not have XXXX XXXX. I then opened an account at local Bank of America branch and the cashiers check I had didn't deposit until about 90 days, Bank of America requested documentation and the proof that it was a valid check. I called the previous bank ( XXXX XXXX ) and the branch manager sent over motorized check/copy and letter confirming it was a valid check not suspected fraud as Bank of America implied. Bank of America closed the account and placed suspected fraud on the XXXX which severely refrains me from opening an account at any other bank. This information is false and need to be removed from my history as I am not a fraud.
Consumer complaint received 2018-07-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have tried to fix this problem before to no prevail. I stated that I have absolutely any knowledge of the following accounts. Only to be told by the credit agencies the accounts has been verified, but never given me any physical verification. I'm requesting that these accounts be blocked from my credit report, XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX, XXXX XXXX ( XXXX ), medical audit
Consumer complaint received 2019-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I've been having problem with Bank of America for a little while now with the same issue, hold being put on deposited check with no consistent explanation, and none that makes sense. 

I deposited a check for {$42000.00} on Tuesday, XX/XX/XXXX at the cashier at the bank. I was told that the funds would be available next day. For reasons still to be explained the money was put on hold. Nobody can inform me why and for how long. I've checked with the vendor and the money has already cleared their account. I have eleven subcontractors waiting to be paid, items are being returned and fees being accessed at my other account because our money is nowhere to be found. I have experienced the same problem over and over for the last five months. Every time they have a different explanation, account have on the red for the last month, low daily balance, number of overdraft fees accessed for the last 12 months, and list of excuses goes on and on.
Consumer complaint received 2019-10-17
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. (SC)

PLEASE PROVIDE ME WILL FULL ACCURATE REASONS AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX WHICH LOOKS LIKE A CHARGE OFF FROM 2007, IS STILL REPORTING ON ALL THREE OF MY CREDIT REPORTS? THIS IS NOT FAIR THAT NO ONE HAS A GIVEN ME A REASON AS TO WHY THIS ACCOUNT REMAINS ON HERE. I REALIZED AFTER SEVERAL ATTEMPTS AT DISPUTING THIS ACCOUNT NOTHING HAS BEEN DONE ABOUT THIS MATTER. NOTHING HAS CHANGED AND I NEED TO GET THIS NEGATIVE ACCOUNT REMOVED FROM MY CREDIT REPORT, I HAVE GOALS I NEED AND WANT TO ACHIEVE AND THIS IS REALLY HOLDING ME BACK.
Consumer complaint received 2019-10-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

PLEASE PROVIDE ME WILL FULL ACCURATE REASONS AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX WHICH LOOKS LIKE A CHARGE OFF FROM 2007, IS STILL REPORTING ON ALL THREE OF MY CREDIT REPORTS? THIS IS NOT FAIR THAT NO ONE HAS A GIVEN ME A REASON AS TO WHY THIS ACCOUNT REMAINS ON HERE. I REALIZED AFTER SEVERAL ATTEMPTS AT DISPUTING THIS ACCOUNT NOTHING HAS BEEN DONE ABOUT THIS MATTER. NOTHING HAS CHANGED AND I NEED TO GET THIS NEGATIVE ACCOUNT REMOVED FROM MY CREDIT REPORT, I HAVE GOALS I NEED AND WANT TO ACHIEVE AND THIS IS REALLY HOLDING ME BACK.
Consumer complaint received 2019-10-17
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

USAA Federal Savings Bank, is a banking institution for Members of the Military, Armed forces, and Those family members of the military and armed forced. I am not a member of the military and have never been. Additionally none of my family are members of the armed forces either, so therefore I would not be eligible for membership in USAA. USAA Allowed A Personal loan account to be opened and membership, along with a checking and savings from a thief that was using stolen identification documents, and my email address which I had to have XXXX assist in recovering. USAA Is reporting this account not only inaccurately to the credit bureaus but this account is FRAUD. They sent all the funds and documents to this USAA Account, I did not open this account nor did I receive documentation from any of these accounts. This personal loan and any accounts with USAA that resulted from Identity theft need to be resolved, However USAA continues to report it to the credit bureaus claiming this account is mine. This is not my account that I am listing below, I have not authorized any accounts to be opened with this bank. I am not a member of the military and I AM a victim of identity theft my wallet was stolen, my mail was forwarded and my email address was hacked. I want this corrected promptly and removed from my credit report, as I did not receive any funds from this and this account was not authorized. It was opened from a thief using my stolen identity. 

Fraudulent Account # - XXXX Balance {$15000.00} Opened XX/XX/2018, My Fraud alert was placed on my file on XX/XX/2018, Therefore again It's obvious I am a victim of identity theft. My Affidavit is below and attached to this complaint. Please remove the inaccurately reporting account that you are listing as paid {$0.00} for payments as well as 3 past due payments, all are which inaccurate because I don't bank or have business with USAA. This was a fraudster.
Consumer complaint received 2018-07-03
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. (MO)

I'm demanding that the following accounts be blocked from my credit report inwhich the credit agencies are fraudulently reporting un- verified accounts. The accounts are as following, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( {$56.00}, {$56.00} {$56.00} )
Consumer complaint received 2018-07-03
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. (MO)

I'm demanding that the following accounts be blocked from my credit report inwhich the credit agencies are fraudulently reporting un- verified accounts. The accounts are as following, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX ( {$56.00}, {$56.00} {$56.00} )
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 90 DAYS LATE PAYMENT XX/XX/XXXX - 60 DAYS LATE PAYMENT XX/XX/XXXX - 30 DAYS LATE PAYMENT XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 120 DAYS LATE PAYMENT XX/XX/XXXX - 90 DAYS LATE PAYMENT XX/XX/XXXX - 60 DAYS LATE PAYMENT XX/XX/XXXX - 30 DAYS LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-07-03
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. (MA)

I was going through my credit report and noticed several hard credit inquiries that I don't believe I personally authorized. I've attempted to contacted each of those creditors listed and the credit bureaus that appears on my credit report. But after spending countless of hours and days on the phone with them and follow up through mail letters, Ive being giving run around, and they are still reporting inaccurate, incomplete and unverifiable items on my credit report. I've also personally wrote to the credit bureaus to look into this and I haven't received any responses over 30-45 days. Again, I did not believe I personally authorized anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights, and I would like these hard inquiries removed from my credit report immediately if they can not be verified. 

Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX I XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX CU XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion
Consumer complaint received 2022-02-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This debt collection company XXXX has already been removed from other reporting bureau companies and should also be removed from Transunion. XXXX is constantly being reported monthly with a balance which should have a zero balance as the collection agent. Also, reporting incorrect and inaccurate dates of payment and account status to re-age the account. This is a violation against the fair credit reporting act by the agent reporting fraudulent information.
Consumer complaint received 2022-07-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I made a purchase with PayPal for XXXX. This was an upstart venture that never launched. The person running the service refunded everyone 's money in the same fashion that was used to make the payment. 
I attempted to retrieve MY money from PayPal. I do NOT and WILL NOT provide PayPal with my debit/checking account #, as I see that risky, especially since I know someone whose PayPal account was hacked and had fraudulent credit card charges. Furthermore, I could deal with fraudulent credit card, but NOT debit card, as that's MY money. 
They have an option to get a check cut. I went through this option with a representative online two times, and the system is broken. It would not allow me to retrieve MY money, and the representative stated that this is the only way the money can be released. She then connected me with XXXX ( supervisor # XXXX, ) who refused to help me any further, even though THEIR SYSTEM is broken. I would have expected him to take this breakage to his IT team, and then call me back when the matter is resolved, but he simply stated that there was nothing he can do. My attempts at escalation resulted in his claim that there is nobody else above him and that's it. So bottom line, PayPal is stealing {$45.00} from me.
Consumer complaint received 2019-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IL)

I was given misleading information from Navient in regards to my loans. When inquiring about the public service loan forgiveness, which I am a candidate. This company did not give me correct information. I was mislead in thinking that if took care of my loans on time for the 120 payment that my loan would be forgiven. Come to find out I am not even enrolled in said program, and my loans are not under the right lender. When information seeking about this issue, I found that my loans could have been changed to the lender. I have definitely been harmed related to this issue. I would close to the end of my term if they had taken care of me properly and not mislead me.
Consumer complaint received 2019-10-17
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. (SC)

PLEASE PROVIDE ME WILL FULL ACCURATE REASONS AS TO WHY THE NEGATIVELY REPORTING ACCOUNT FOR XXXX XXXX WHICH LOOKS LIKE A CHARGE OFF FROM 2007, IS STILL REPORTING ON ALL THREE OF MY CREDIT REPORTS? THIS IS NOT FAIR THAT NO ONE HAS A GIVEN ME A REASON AS TO WHY THIS ACCOUNT REMAINS ON HERE. I REALIZED AFTER SEVERAL ATTEMPTS AT DISPUTING THIS ACCOUNT NOTHING HAS BEEN DONE ABOUT THIS MATTER. NOTHING HAS CHANGED AND I NEED TO GET THIS NEGATIVE ACCOUNT REMOVED FROM MY CREDIT REPORT, I HAVE GOALS I NEED AND WANT TO ACHIEVE AND THIS IS REALLY HOLDING ME BACK.