davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-07
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: WAKEFIELD & ASSOCIATES, INC. (TN)

On XX/XX/XXXX I mailed a certified letter, return receipt requested to Wakefield and Associates disputing my debts and informed them in the letter to only contact me by mail. On XX/XX/XXXX a XXXX XXXX signed for the letter at Wakefield and Associates. XX/XX/XXXX XXXX from Wakefield and Associates called me and left a voicemail message stating who he was and this was an attempt to collect a debt and to return his phone call.
Consumer complaint received 2018-11-19
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. (AL)

On XX/XX/2018, I sent out a validation letter to XXXX XXXX XXXX, and I received a letter back with a summary of a bill, I sent a second letter asking for a signed contract. 
On XX/XX/XXXX, I received a letter asking me to pay, also on XX/XX/XXXX, I received another summary of what they claim I owe with XXXX XXXX XXXX, but still no signed document therefore not verifying nor validating this belongs to me. I have asked multiple time to delete if they can not prove the necessary evidence.
Consumer complaint received 2018-10-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

Ticket scam on XXXX ( {$500.00} ). 

I am a customer of Bank of America. The scammer directed us to move the money via the BOA 's XXXX product. It was the first time we used the BOA XXXX functionality. Unfortunately, the Scammer understood more about the vulnerabilities of XXXX than we did. 

I have filed a police report, FTC complaint and FBI IC3 report.
Consumer complaint received 2024-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc (OR)

My mobile check deposit was taken away randomly. I have been a customer with them since XXXX. They kept changing the things I had access to without notifying me. When i asked them if they changed their they Real time payment function, they attempted to say they didn't. But them went back and said yes they did. I requested a copy of their terms from XXXX. The declined to provide it to me. After stating i was going to see if an attorney can review it. My funds became available in my account.
Consumer complaint received 2022-05-04
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: Experian Information Solutions Inc. (MO)

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance : {$0.00}, US DEPT ED XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}
Consumer complaint received 2018-11-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (IA)

On XX/XX/2018 I sent a debt validation request to AR resources. I sent the letter certified mail which was signed by a representative at AR on XX/XX/2018. As the FCRA states, in order to validate a debt the creditor must provide proof that the debt is actually mine. From my understanding of the law this proof must be a legal binding contract bearing my signature stating I agreed to pay the amount in question which is currently as of XX/XX/2018 XXXX . I do not recall ever agreeing to this debt. As of the date of this complaint and after talking to AR on the phone several times this has still not been resolved. AR stated to me they mailed a copy of an itemized statement on XX/XX/2018 but as of the date of this complaint I have not even received that. However, even if AR Resources was able to get an itemized statement with pertinent medical information contained they would be in violation of Hippa laws because I dont recall ever giving them or signing a release of information for a collection company to have access to my medical records, let alone on a debt I dont recall by physicians in Texas, Ive never lived in Texas. On top of everything else its been well over 30 days and I have not received anything validating this debt, however its still reflected on all 3 credit bureaus which at this poimy is illegal the debt has not been validated or verified. Staff at AR are very rude and disrespectful when I try to call. They hang up, say they cant help, use profane language, and have really gave me a hard time trying to resolve this. One agent there even told me I should pay my bills and I wouldnt have these problems.
Consumer complaint received 2020-06-05
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: EQUIFAX, INC. (SC)

I have been dealing with identity theft issues for the last several years. A while back I was notified that important information was exposed in the XXXX data breach. I didnt notice anything strange until a few years later when I received another notification about a huge data breach with XXXX. After these events I noticed random inquiries that I supposedly applied for credit with, but this was not me. So I started looking into it and I ordered my credit report. Once I got my report I was able to detect fraudulent information reporting on my credit file. This was definitely fraud.
Consumer complaint received 2019-08-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (NY)

The company ( CLLCN BUREAU OF THE HU ) has falsely reported me to the credit agency and made up a fake payment history to hurts my credit and force to me pay something doesnt belong to me they reported without having my fall information just a mix up name I already called them and explained to them I dont owe them and that was a mixed up identity And the address they have in file I never lived at but they was so rude and said they dont care I have to send them a paper with all my personal information such my SSN and my health insurance policy and copy of my ID sent Aslo i explained to them I never open the account they come after me for and I tried to dispute it but they never disputed for me and still showing in my credit report please let them remove it out my credit report I never open that account or lived in the address the account was linked to
Consumer complaint received 2018-11-18
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 (IL)

I called in to ask for an extension from Capital One Auto Finance on XX/XX/XXXX. I asked the representative to have my XX/XX/XXXX for the extension. She replied what month are you attempting to do the extension for. I replied " XXXX '', She replied " you are approved for the extension we will move your date from XX/XX/XXXX to XX/XX/XXXX ''. She further went to say that in order for me to keep my approval for this extension I had to pay my car note by XX/XX/XXXX. I told her that I was did not want my credit affected. 

I take my credit very serious and I have made all my payments for both accounts on time for the over a year. I immediately setup the electronic payment for XX/XX/XXXX. On the same day, I was assessed two {$25.00} fees on my account and a late payment appeared on all three of my credit reports XX/XX/XXXX. 

The representative never said that I could not get the extension for that month I requested. Upon calling the resolution department speaking with XXXX he informed me that my extension was for the month of XXXX not XXXX. He also stated calling XX/XX/XXXX was too late for the month of XXXX, which was not 30 days late. That made no sense to me as the customer because that was the month I originally inquired about. Im completely shocked by what I was seeing because it made no sense to me as the customer who made payment arrangement for an extension and I paid 4 days prior to the date to be marked late. I would like to keep a positive relationship with Capital One Auto Finance. My credit well-being is my livelihood and primary concern. I am planning on making purchases in the near future. I am very responsible with my credit and I take it very seriously. 

I mentioned several times on the phone call that I want to keep my account current. 
At no time was I redirected to any other department to ensure my credit reporting would be accurate. My current credit report is saying late +30 days for the month of XX/XX/XXXX, when in fact that payment was moved to the end of the loan as the paper states. I have never been late on any payments. 
I am requesting that you look into the situation and authorize the removal of the late payment. I thank you for your time. I can be reached by phone at XXXX.
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (NJ)

On XX/XX/2018 I sent XXXX XXXX a certified letter as required for membership to be canceled. XXXX XXXX claimed that they never received the letter and sent my account loff to collections which have had negative effects on my credit. 

I filed a XXXX complaint # XXXX against XXXX XXXX after taking all the appropriate steps to provide them with the necessary documents requested. The complaint was closed because XXXX XXXX never responded. 

From my previous CFPB complaint, both the collection agency and XXXX XXXX stated that the issued would be cleared once the certified receipt was provided.
Consumer complaint received 2020-11-30
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: CNG FINANCIAL CORPORATION (TN)

On XXXX. XXXX, XXXX, AXCESS FINANCIAL add a hard inquiry on my credit report per XXXX. 
On XXXX. XXXX, XXXX, XXXX XXXX add a hard inquiriy on my credit report per XXXX. The report does not include information about the creditor. 
On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2019-08-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (IL)

I got the call this afternoon, Friday, XX/XX/2019. 
It was a Robo-Call identifying me that I qualified for a favored rate on my Chase Card because of my good credit. 
I have been out of work for 1 1/2 months, and I am at my limit on my present ( non-Chase ) credit card How can I have credit that good. 
The number was XXXX I would like to make Chase Card Services aware that someone is using their name to run a potential scam! The robocall asked me to press a certain number in order to speak to a representative, which I did NOT DO!
Consumer complaint received 2021-04-02
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (NV)

I wanted to book a hotel and pay with Paypal. I used an online Master Card gift card saved in my Paypal account to book the hotel. The transaction proceeds as normal and I get an email confirmation about my purchase.

I later find out that the Master Card gift card I authorized to pay for the purchase was not used and instead Paypal charged a Visa card I had saved to the account in the past.

This is a deceptive practice on Paypal 's part. At no point did they email or state on the website during the transaction that my Visa card was going to be charged because the Master Card was not charged. Had I known they weren't able to charge the Master Card then I would have used a different card to complete the transaction and not the Visa card on file.

After I saw my Master Card was not charged I called Paypal and the message I got stated they were unable to book my trip. I then booked a different hotel on a different website because I did not have a hotel reservation.

Paypal has my money for a trip they said they were unable to book and that I never used. Paypal 's unauthorized use of my Visa card has caused me to incur an overdraft fee as well.
Consumer complaint received 2019-08-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Shellpoint mortgage servicing is charging for late fees and other charges they made up stolen from me they keep sending les and charges they keep making up since they got this account 3 mounts ago I called costumer services and they dont know where the charges comes from they say they got this account not long ago and they dont know where it comes from but now they charging late fee for it now Im supposed to be in called loan modification they taken advantage of harass me and making my life a living XXXX this is a fraudulent company trying to XXXX people only because XXXX XXXX XXXX can do it now they have this corrupted company trying to do it I send my payments the fist day of the XXXX but they keep charging for a late fee in my first complaint I asked to tell me what XXXX I owed them but the dont say or send me any thing that explains where In shore or may missing XXXX
Consumer complaint received 2024-05-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Credit Network Inc (CA)

XXXX XXXX XXXX XXXX settled on {$290.00}. I paid in full and got confirmation on XXXX. 
They are not taking it off my credit and Im ready to sue. I have confirmation that I paid and I havent sent in the conformation multiple times!
Consumer complaint received 2022-06-10
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. (IL)

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX 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 a account without my written instructions
Consumer complaint received 2019-08-23
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: 2288984 Ontario Inc. (FL)

I was contacted through text message from a company called Money Key loans and they said that I was approved for {$5000.00} and I paid a loan I gave them all of my credit card and all of my banking information and the end I was told that I would have to send {$100.00} through XXXX XXXX and also I contacted the actual money XXXX company and they said that they have no numbers or anything pertaining to the number that contacted meAll of this took action onXX/XX/2019A target my savings account you which was through XXXX XXXX XXXX and also my XXXX XXXX account which is through XXXX XXXX XXXX It also through my next been account and two of my accounts I already have move the funds over that I had left in each account before they could even try to take anything out but I did get out all of my personal information and Im a little bit skeptical about that at this moment
Consumer complaint received 2019-08-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TN)

i sold an item on XXXX and paypal put a hold on the payment i recieved for the transaction and i was told by paypal to ask the buyer to once again confirm the reciept and for me to upload the tracking information and i have done both and they are still refusing me access to my money. XXXX XXXX {$250.00}
Consumer complaint received 2023-03-24
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CITIBANK, N.A. (VA)

Someone name XXXX called from an no caller Id number saying I would be receiving a summon for court at XXXX on XX/XX/2023 .Told me I needed to call XXXX. I called that office at XXXX. He didnt give his name but said XXXX was taking me to court and the court date was XX/XX/XXXX. When I asked where he said somewhere in my area. No summon ever came. Today XX/XX/2023 I got a taped call asking me to press on .Another firm named XXXX called again representing XXXX Saying I owe XXXX but we could settle it today for XXXX. I said this is a scam .He said if you dont your court date is next week. I said someone called me yesterday said it was next week. This is a scam. I do not owe XXXX any money This is harassment or a scam
Consumer complaint received 2019-08-23
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: National Collection Systems, Inc. (TX)

I am disputing an entry on my credit reports made by National Credit Management, who is collecting for XXXX XXXX for the amount of {$430.00}. I spoke to the XXXX 's XXXX at XXXX XXXX. They state my debt with the college was NEVER placed with National Credit Management and that I was eligible to pay my debt off through the college exclusively. 

I have made this payment directly to the college so that I can register for classes. The payment was made by VISA in the amount of {$340.00}, which is the ORIGINAL amount of the debt ( not {$430.00} like National Credit Management lists. 

I have disputed this entry on my credit reports for quite some time now and National Credit Management maintains they are collecting for XXXX XXXX. XXXX XXXX 's XXXX 's office has maintained this debt NEVER went into collections.
Consumer complaint received 2024-05-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AL)

I have filed XXXX complaints with the CFPB on Nelnet about this same issue, and they keep doing it. They are sending me confusing and inaccurate information. I filed the first complaint on XX/XX/XXXX, the second one on XX/XX/XXXX, and the third one on XX/XX/XXXX. 
Nelnet has sent me XXXX in-school deferment letters stating that my loans were approved for in-school deferment. One is dated XX/XX/XXXX to inform me that my request to defer my student loans, which they labeled as XXXX XXXX ( consolidated loan balance {$280000.00} ). One is dated XX/XX/XXXX to inform me that my request to defer my student loans, which they labeled as XXXXXXXX XXXX  ( consolidated loan balance {$96000.00} ). One is dated XX/XX/XXXX to inform me that my request to defer my student loans, which they labeled as XXXX XXXX ( loan balance {$10000.00} ). 
I XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX and requested an in-school deferment at that time. They initially approved it and then sent me an email saying my deferment was ending a few weeks later. This is why I submitted the XXXX complaint to the CFPB. Their website also was not functional and I couldnt even log into my account. This is why I submitted the XXXX complaint to the CFPB on XX/XX/XXXX. 
I just received an email from Nelnet informing me that I had correspondence from them in my online account. I just retrieved the letter, and it states that my next payment for my loans is due in XX/XX/XXXX. The letter states : We recently sent you a letter to let you know your payment delay period ( deferment, forbearance, or six-month grace period ) would end soon and your accrued interest would be capitalized ( added to your principal ) if it was not paid by the end of the deferment, forbearance, or grace period. This statement is a lie and is a false statement from Nelnet. I am attaching the copies of all of my in-school deferment letters that I have received this year. 
Mind you, I have been approved for in-school deferment for Group XXXX and XXXX XXXX until XX/XX/XXXX. I have been approved for in-school deferment for XXXX XXXX XXXX XX/XX/XXXX. 
I am so frustrated with these mistakes that Nelnet is making providing me with inaccurate information about my federal student loans. XXXX XXXX XXXX XXXX XXXX  I have been approved for in-school deferment. There should not be a payment due on my loans. Nelnet should not be sending me these incorrect letters over and over. Why is nothing being done about this with me having filed XXXX complaints with the CFPB?
Consumer complaint received 2023-03-24
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: FC HoldCo LLC (TX)

XXXX XXXX XXXX made inquiries on my report on XX/XX/2022 when asked too produce how they obtained my information or signature too run my credit they could not yet they made an inquiry on my credit report and violated FCRA 611 and fails too provide me with FCRA 611 ( a ) ( 7 ).
Consumer complaint received 2019-08-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (TN)

Back in XXXX I had XXXX  XXXX, after I told them I was changing my service to our local service. They sent me a final bill AFTER they were told. XXXX then sold the account to Diversified Collections, the amount of this balance is XXXX in XXXX. I have disputed this several times with no luck. It has now been 5 years and they refuse to remove it from my report. I just sent in a dispute on it once again. I was told after 2 years it should be off my report by my lawyer. This needs to be removed from all of my credit reports.
Consumer complaint received 2024-05-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

I just looked at my consumer reports and noticed a late payment on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never been late on payments and did not provide written consent to report the account : JPMCB CARD : XXXX  Please investigate and provide proof with statements showing that these payments were late and proof that I authorized the reporting of this information. If proof can not be provided I demand these payments to be updated to on time as they should be as I was NEVER late.