davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NAVY FEDERAL CREDIT UNION (VA)

I had XXXX accounts with Navy Federal that went delinquent a credit card and a consumer loan. They were charged off accounts I started making payments I paid XXXX off in XXXX XXXX and the other XXXX XXXX received paid in full letters saying my credit report was updated and it has not been. I had no knowledge that the account paid in XXXX XXXX was still showing negative on my credit report I assumed it had been updated because that is what the letter said. I have applied for credit and bought a car not knowing this was still negatively affecting my credit. I called them twice regarding the account paid off in XXXX XXXX and XXXX representative stated with attitude it will not be done right away so I informed her that this account was paid over a year it should have been updated she stated would get it over to that department and it should be handled fast forward to XXXX XXXX I pulled my credit report and both accounts are still showing charge off unpaid and is negatively affecting my credit score. I called navy federal again was put on hold speaking with different representatives they informed me it would be updated now it is the end of XXXX and neither accounts have been updated.
Consumer complaint received 2021-10-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION (MD)

XX/XX/XXXX : I signed up for English classes for my son and made monthly payments of {$50.00}. 

I attended online XXXX XXXX. There were issues were connecting to the system and getting help. I called and emailed tech support with no response. 

XX/XX/XXXX : I attended orientation day online. There were issues connecting to the system. The teacher tried to help me, but she was unsuccessful. I contacted support, and I was on hold for an hour. I emailed tech support, no response. 

XX/XX/XXXX : I canceled the class before it began via email. I could see this was not going to be a good fit. The company didn't offer help in accessing the course. 

XX/XX/XXXX : The company wasn't responsive, so I called Suntrust to file a dispute and stop payment on my account for XXXX and the amount they are debiting. 

XX/XX/XXXX : XXXX debited my account again, even though I dropped the class and SunTrust stopped paying my Acct. 

XX/XX/XXXX : I filed a complaint with the CFPB XX/XX/XXXX : Sent letter acknowledging the dispute asking for more information. 

XX/XX/XXXX : Faxed more information to Suntrust. 

XXXX : I called SunTrust for an update. The Representative said they closed the case because they didn't receive the information. 

XX/XX/XXXX : I step into a branch and fax the information. I received a transmission log as a receipt showing I sent the documents. 

XX/XX/XXXX : Suntrust sends a letter saying they didn't receive the information. 

XX/XX/XXXX : Stepping into a Branch to send documents again because XXXX XXXX sent a letter saying she didnt receive the documents. Again
Consumer complaint received 2021-10-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One was informed of my job being affected by Covid 19/ Natural Disaster and they agreed to set up a monthly payment arrangement for me in the amount of {$300.00}. However, Capital One charged off my account in the amount over {$600.00} and did not follow the agreement that they arranged.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (CT)

American Express is not crediting my account or finding electronic payments from my bank for the full payoff amount. My bank verified sending electronic payments of {$760.00} and {$120.00} to cover principal and interest on XX/XX/2020 but American Express has no record of it. In the past Amex has acknowledged payments the day they are received but for some reason they cant do it now. I am worried they will lose the payment or fail to acknowledge it so they can continue billing me interest. Spoke with XXXX a supervisor with Amex on XX/XX/2020 at around XXXX XXXX  XXXX ( also the complaint number ) about the missing {$760.00} and {$120.00} payments. She advised me they have no record of the payments and put in a complaint for investigation with the company.
Consumer complaint received 2018-05-11
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Nelnet, Inc. (MD)

I was making monthly Student Loan payments ( to a now defunct XXXX University, XXXX XXXX ), after a forbearance period, when I had a XXXX XXXX ( XXXX ) in XX/XX/XXXX. The guidelines were made clear in the U.S. Department of Educations documents, even online, that such a Medical crisis is grounds to have a S. Loan " discharged. '' After supplying the proper Medical documentation ( s ), I received a XX/XX/XXXX letter stating my Discharge was Approved. Some time later I began getting phone messages from the same company ( Nelnet ), stating my previously discharged account was " reinstated, '' without explanation. I got a letter from them dated XX/XX/XXXX, I still possess. During that time I was maritally separated. We lost the home, etc. We filed bankruptcy and I've just discovered Nelnet is on the list of creditors to get a payment? I totally disagree with this payment so I contacted our Bankruptcy attorney. He stated Nelnet " is '' on the list, and may only get a minor amount of the funding. He totally ignored my initial complaint of them being on the list, at all. After an initial XXXX, a second one is much easier to suffer. Nelnet had no regards for my health with their letters, calls, threats, and demands. I feel something nefarious and illegal may be going on here, with Nelnet getting an " illegal '' cut of our Bankruptcy filing.
Consumer complaint received 2024-04-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MO)

I am writing to file a formal complaint against Equifax for their failure to act on two disputes regarding a collection account falsely reported on my credit report. Despite providing Equifax with two certified letters in XXXX and XX/XX/XXXX, containing documentation from the original company 's lawyer and representative confirming that the alleged debt is not owed, Equifax has neglected to correct the misinformation. These documents, dated from XXXX, clearly state that the debt in question is invalid. However, Equifax continues to permit the collection agency to " validate '' the date, allowing the continuation of incorrect reporting on my credit report each month. 

For over two years, I have endeavored to resolve this matter, yet Equifax has failed to disclose what evidence, if any, the collection agency has provided to substantiate the debt 's validity. In contrast, I have supplied Equifax with unequivocal written evidence from the original creditor 's representative and lawyer refuting the debt 's legitimacy. This lack of transparency and disregard for the provided proof is unacceptable. 
Furthermore, Equifax 's failure to respond to my certified lettersa clear violation of the Fair Credit Reporting Actunderscores the need for a thorough investigation into their dispute resolution process and the standards applied to validate debts. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly, as Equifax 's actions have not only violated my rights under the Fair Credit Reporting Act but have also significantly impacted my financial wellbeing.
Consumer complaint received 2022-12-21
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC. (PA)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
IRS defines a charge off as Gross or Ordinary Income. 
Income does not get reported on a consumer report.
Consumer complaint received 2017-02-16
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: WELLS FARGO & COMPANY (GA)

XXXX XXXX, XXXX To whom it may concern : In XXXX of XXXX, I entered into a contract with XXXX HVAC to install a new furnace and air conditioning unit. As arranged by XXXX, the work was financed by Wells Fargo Bank, via a VISA credit card, [ Account # XXXX - Amount : {$6300.00}, ( see copy included ) ]. 
Approximately one year later and after more than {$2000.00} in payments, I received a notice on the back page of my monthly coupon/statement ( which I did n't notice ) that the VISA feature was being suspended and transferred to a new non-bankcard credit line ( see copy included ) ; to use only for home repairs and only with one specified vendor - Home Projects, account # XXXX ( see copy included ). This seemed like a bait and switch deal to me. Needless to say, I was not happy. 
I eventually decided to transfer the balance of the Wells Fargo card to a legitimate bankcard ( VISA, MC, etc. ), preferably with friendlier terms. I chose a XXXX credit card ( per XXXX XXXX ) and applied for the transfer. When my approval was announced it was only for half of the amount requested [ VISA account # XXXX, ( see copy included ) ] and I was informed no changes could be made until after I received my card and paperwork. 
Once I received the card and called XXXX, an attempt was made to transfer the remaining balance from the original Wells Fargo account. I was immediately rejected ( less than 10 seconds ) and I had to suffer another ping on my credit score for the additional credit inquiry ; with no results, despite the representative 's guarded optimism and the short span between inquiries. 
Now I 'm stuck with two credit cards ( each with substantial balances ) and a compromised credit score that I will have to compromise more in order to get the total balance transferred from Wells Fargo. 
Ideally, I wanted this not to have happened, so I would n't have to pay the price I 'm paying now to fix it ; but my desired resolution would include : -- Complete transfer of the Wells Fargo balance to one bankcard ( VISA, MC, etc. - preferably the new XXXX card I presently have ), with equal or better terms as that XXXX card, at no cost to me or my credit score. I no longer wish to do business with Wells Fargo. 
-- If that option is not possible, I 'd like the remaining balance on my Wells Fargo card to be converted or transferred to a bankcard ( VISA, MC, etc. ), with agreeable terms and at no cost to me or my credit score. 
Thank you for your consideration.
Consumer complaint received 2015-06-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: AmerAssist A/R Solutions, Inc. (FL)

This company AmerAssist, is constantly calling my work at least XXXX or XXXX times a day harassing me and my coworkers for personal financial information. They have been told on numerous occasions to stop contacting my place of employment as well as a letter has been sent to the company to stop all communication unless in writing. This company will not stop calling no matter what I do. This so called debit they are trying to collect is XXXX times the amount of what is actually owed and false. I do not owe this amount!
Consumer complaint received 2016-03-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (VA)

My loan documents show tax payments due in XX/XX/XXXX and XX/XX/XXXX. The current servicer, Wells Fargo Home Mortgage, has changed the XX/XX/XXXX tax payment to XX/XX/XXXX ( though there is no difference in when it is due ) in their escrow analysis and now claims that the escrow has a deficiency. My tax and insurance obligation have changed by less than {$30.00} per year from when the loan was made, but Wells Fargo Home Mortgage is now claiming an escrow deficiency of over {$400.00}. It is clear by making the calculations that this is due solely to their changing accounting methods and using XX/XX/XXXX instead of XX/XX/XXXX for the tax payment date despite there having been no change in when it is due from the time the loan was let. Wells Fargo Home Mortgage ( who are not the original servicer ) claims that they can not make a tax payment by XXXX XXXX without accounting for it as a XX/XX/XXXX payment, but XXXX XXXX XXXX, the original servicer, had no problem doing so, as evidenced by the original loan documents. I do n't believe Wells Fargo Home Mortgage is allowed to change the accounting method without notice, and that notice would have been due within 60 days of the change in servicer, and was never given. I complained to Wells Fargo Home Mortgage by phone, and after review they have indicated they will not change their escrow analysis.
Consumer complaint received 2021-10-20
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NC)

Hippa laws were directly violated no permission given nothing signed for any medical information to be shared about me publicly companies have violated law and respond with working on my dispute instead of removing the accounts just to me with cfpb requirements to respond in a certain time frame!
Consumer complaint received 2020-07-27
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (AZ)

On XX/XX/XXXX someone used my Wells Fargo debit card number and also somehow got a hold of my PIN number and spent {$220.00} at a XXXX   grocery store at XXXX XXXX XXXX XXXX. XXXX, AZ XXXX. On XX/XX/XXXX when I saw that the transaction was pending on my account I immediately turned off my debit card and contacted the bank. After Wells Fargo investigated, they determined since the fraud had been committed with knowledge of my PIN number, they could not verify that it was in fact fraud and denied my claim therefore I am out the entire {$220.00}. At no point was my debit card not in my possession and I was over 50 miles away when this transaction occurred.
Consumer complaint received 2018-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BBVA FINANCIAL CORPORATION (CA)

I had an unauthorized transaction on my debit card account. and BBVA Bank refuses to credit my checking account. They always want to take the side of the merchant instead of their own customers. This is a terrible bank and nobody should do business with them.
Consumer complaint received 2018-05-11
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (CA)

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX    XXXX XXXX XXXX XXXX.XXXX. XXXX   XXXX XXXX, XXXX XXXX Thursday, XX/XX/2018 Dear Sir or Madam : The same debt is being reported on my credit file twice. The account numbers are different, but the amount and the original debt is the from the same company : XXXX XXXX XXXX {$690.00}, acct # XXXX XXXX XXXX {$690.00}, acct # XXXX Two lenders own one debt? That seems like a double jeopardy. Whom do I pay off if I owe two entities for the same debt? I've already disputed it with XXXX, XXXX, and XXXX, and still no one is recognizing that the same debt can not be owed twice simultaneously. 

Sincerely, XXXX XXXX XXXX
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (LA)

Department of Education keeps a balance on my credit report, reflecting as a late payment. This debt was settled on XX/XX/2016 for {$940.00}. No further payments are due, however, this still hasn't reflected settled. Missed payments are still showing on the report and it will not remove.
Consumer complaint received 2020-12-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management (LA)

This is my formal complaint against Amerifinancial & XXXX. They both have continued to report an account on my credit report that has not been verified. I have sent a certified letter to Amerifinancial requesting debt validation per my right under the Federal Debt Collection Act ( see attached document ). As of today, I have yet to receive any documents or information from this debt collector. Due to the inability to verify this account with the debt collector, Amerifinancial, I invoked my right under the Federal Credit Reporting Act and disputed this account to XXXX. XXXX  has continued to report this account although, Amerifinancial, did not follow the law. If this debt is valid, why is it that I can not get it verified as I should. XXXX  and XXXX  have stopped reporting this account, yet for some strange reason, XXXX  has continued to report it. The LAW is clear and straightforward, and I feel as if XXXX  & Amerifinancial is using this pandemic as a means to break it and violate my rights. Additionally, I went to the XXXX  website on XX/XX/2020 to determine if " a description stating the account was in dispute '' had been updated/added to the account, because I have continued to dispute it, as of today it's still showing with not dispute comments and/or marks ( see attached document ). As you may know, small business owners are suffering during this time and it's imperative that my credit reports are reporting accurately so I can obtain the business funding needed to sustain myself during these hard times.
Consumer complaint received 2021-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (NY)

On XX/XX/2021 Convergent OutsourcinXXXX sent me a letter saying that I owe {$150.00}, which originated from XXXX ( tv, phone, etc. ). I have never had an Optimum account in my life. My father ( same name, different middle name ) has, and he and I confirmed that the XXXX account number matched his old account. However, Convergent refuses to transfer the debt to my father 's name/Social Security number. They say it was reported under my Social Security number, so I am responsible for it. 

Neither he or I have a problem paying it, just to make it go away, but I'm afraid that if I pay it on his behalf, it will show negatively on my credit report for 7 years. I'd prefer that Convergent and XXXX take responsibility for their mistake and make a correction immediately. Neither of them are owning up to the mistake or offering a solution.
Consumer complaint received 2023-01-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc (CT)

My account with Chime bank has become fraudulent. This has been going on for 4 months they keep granting access to my account to the people with the information no matter what I've tried changing passwords changing emails nothing works. Chime refuses to close the account and issue a new account to me. It's impossible to do banking with them. I'm one of thousands of people that are going through this right now. I literally have to pull money out of my account as soon as my direct deposit hits it because someone will try to get access and remove the funds.
Consumer complaint received 2024-04-12
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc. (WA)

Hello! My name is XXXX XXXX. I ended up working with XXXX XXXX XXXX XXXX account number XXXXThey wrote to me that I owe them, but if I have an open policy in a new company until XXXX, then they will not issue the debt if I provide them with all the papers.I do all this send the new insurance policy, my new insurance company XXXX XXXX policy number is XXXX but I have not received a response from XXXX.I think everything is fine. But today I received a letter from a debt collector saying I have to pay XXXX. link : XXXX and I don't see why I should pay unless I use this insurance company! my contract came to an end and I send all the information about my insurance police!! Thanks
Consumer complaint received 2022-11-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NRA Group, LLC (FL)

I have been requesting this company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.
Consumer complaint received 2018-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My identity was stolen as a result of the XXXX data breach of XX/XX/2017. I was able to freeze my credit with XXXX as I assume they have simplified the process due to their negligence, however, I also need to freeze my credit with TransUnion. I will not pay any fees associated with this request nor engage in any cumbersome process. If TransUnion wishes to bill someone for the service they should bill XXXX.