davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-22
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Riverwalk Financial Corporation (CA)

First issue relating to second issue : Im having an issue with a third party company named Deville that is trying to collect debt on a private loan from XXXX College. I have no idea of the charges. They are trying to collect XXXX in debt. I did not have a loan in this amount. I have never heard from this company nor have received mail from them about the cost. But it is on my credit report. I would like a detailed print out of my costs. As I remember XXXX has gone bankrupt as of XXXX. 

second situation relating to first : I went to College at XXXX XXXX campus with a XXXX XXXX in XX/XX/XXXX XX/XX/XXXX XXXX. My loan is a whopping XXXX, XXXX dollars ( gov grants and loans ) to a school that said they would provide services to their students.Many promises that included continuous learning at their campus. Such as : Update our skill set for a competitive market, free courses, Use their business center to find jobs, and have a counselor find us work. None of these promises were fulfilled. This is related to XXXX XXXX, but companies want a person that wears many hats, this means the job requires continuous schooling. 

XXXX LOAN : In this competitive job market in my field, and these change quickly. It is important to keep taking these courses to update your skill set. That was a perk that I was interested in when applying to XXXX. Unfortunately this didn't happen. I have illegal creditors trying to collect loans that I do not remember of. The only loans I have are my Government loans that I feel I should be forgiven of. In XXXX XXXX went bankrupt. I was back at XXXX XXXX XXXX to get my XX/XX/XXXX in XX/XX/XXXX. I took off a few months for personal reasons. I tried to come back and they were closed! 
As of XXXX Ive only done freelance work, I am not in my field yet and I am trying to update my skillset to get a job suited for me. I have ALL my loans on deferment and this accrues interest each year on my loans. So as for getting lied to from XXXX this is costing me more money and I have to pay back the loans. What a scam
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I requested my credit report from Equifax on XX/XX/2019. I saw that there was negative information reported by XXXX XXXX XXXX Accounts in the file that Equifax maintains under my Social Security Number. Upon reviewing that copy of my credit report, I saw an entry listing incorrect and missing information. As well as an incorrect account number. I wrote and certified mailed a letter to Equifax challenging the accuracy, compliance and reportability of this listing. I asked them to please validate that information with XXXX XXXX  XXXX Accounts and provide me with copies of any documentation associated with this account, bearing my signature. I requested in the absence of any such documentation bearing my signature, I formally requested that the information be immediately deleted from the credit file they maintain under my Social Security Number. I also stated that I do not consent to XXXX  or any means of automated verification. They replied back that XXXX XXXX XXXX Accounts " Verified '' that the account they are reporting under my name is accurate. I then on XX/XX/2019 certified mailed another letter to Equifax Requesting that the description of the procedure used to determine the accuracy and completeness of the information was being requested, to be provided within 15 days of the completion of their re-investigation. Additionally, to please provide the name, address and telephone number of each person contacted regarding this alleged account. I formally requested a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. And that any automated response or XXXX   verification is unacceptable. I requested a re-investigation and their method of verification. They did not reply back in 30 days. So by them not replying back within 30 days they violated federal law, and they had failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. And I have evidence via certified mail receipts. So they must remove the item.
Consumer complaint received 2022-10-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am having a hard time believing that an investigation was done because there is still an account that was disputed in XXXX, and XXXX still reporting on my account. I have not received a notification stating that a dispute was opened which is odd. I am asking XXXX, XXXX, AND TRANSUNION to conduct a thorough investigation and update the following account to paid as agreed, never late per the CARES ACT. The account is XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2022-10-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: KEYCORP (OH)

Had 2 charges come out of my account and I disputed them. Was promised my claim was expedited and that I would receive my funds within a few days and funds were never dispersed. Told by several different employees my new debit card was being sent and it never was. It was canceled 3x. My problem has not been handled and passed off and blown off by multiple people of keybank.
Consumer complaint received 2024-03-30
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (FL)

In XX/XX/year>, I contacted " Ally Financial '' both via email and phone regarding a hard inquiry that appeared on my consumer report dated XXXX. Despite my efforts, I have not received any response. Pursuant to the law, I request that they furnish me with the document containing my signature to confirm that they obtained my written consent for the hard inquiry.
Consumer complaint received 2019-07-22
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. (CT)

I had contacted EQUIFAX XXXX when I was applying for a mortgage to purchase a house. 
The bank noticed Equifax had someone's else 's name and address as well credit cards on my report as well as having me living at addresses I never lived at, different last names, and credit cards I did not have. I tried hundreds of times to contact EQUIFAX at the number they gave me to resolve these issues but could never get the same person twice, no one answered or I was placed on hold for over 30 minutes. I also contacted my congressman and tried to get this resolved. I did get some reports from EQUIFAX -- -AND THEY STATED THE ISSUE WAS CORRECTED- HOWEVER I NOW JUST FOUND OUT THEY NEVER FIXED THE INCORRECT INFORMATION AND WRONG CREDIT CARD NOT BELONGING TO ME.THE BANK NOTICED THIS. 

It is now XXXX and I am applying for a refinance -- and CONTRARY TO EQUIFAX STATEMENT IN XXXX THAT THE ISSUE WAS RESOLVED -- - IT WAS NEVER RESOLVED AND I STILL HAVE A CREDIT CARD WITH A BALANCE THAT IS NOT MINE. MY OTHER CREDIT REPORTING COMPANIES ARE CORRECT WITH THE INFORMATION AND I HAVE CREDIT REPORTS OF OVER 800 WITH THE OTHER 2 COMPANIES. EQUIFAX IS STILL IN ERROR AND I WANT TO BE PART OF THE LAWSUIT AS THEY HAVE RUINED MY REPORT AND RATING
Consumer complaint received 2019-07-22
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Integras Capital Recovery LLC (TX)

The collections agency of XXXX XXXX XXXX, file sue me for the wrong debt with out presentation to the court. We never set /see to the court Hearing date, the judge is bought his judgments by XXXX XXXX XXXX XXXX there wasnt court / hearing or set the date they already made by them self, The amount/ credit reporting is incorrect When I went to the courthouse I ask when the court/hearing, they told me there no date, I write responded to judge letter counter lawsuit against the interrass Capital Recovery asking the info is incorrect credit. There no response I find out there Judgments, is there is no date and is not correct debt, the collections agency never presented to me. Since my husband is already deceased, this Collections angency shouldnt looking our personal information I didnt owned to him. He should not looking our personal information/ property without our knowledge he used his attorney powers, and abusing collections tactic I didnt owned to him. I want him to be remove his attorney license. So he can not be abuses to other. XXXX XXXX is already deceased and he still suing him. I m so stressed on this situation. Pls help me.
Consumer complaint received 2019-07-22
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Our company opened an account at Bank of America Merrill Lynch and we were using wire transfer to make payment. When making a wire transfer, a token is required for security purposes. In XX/XX/2019 our token was out of service.Then we contacted the bank to issue us a new one on XX/XX/XXXX. Per the banks 's request, we submitted a letter to explain the fact and asked for a replacement of the token. However, we have never received the new device. We have sent many emails to discuss but never got a reply. We then call them to see what happened. Everytime we call Bank of America, the customer service gives us a case number and promise the new token is on its way. But we have never accually received. It's been like 2 months and our regular payment and receiving are significantly delayed. 

We don't understand how could they so arrogant to the customer. That's why we are sending our complaint.
Consumer complaint received 2019-07-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

OnXX/XX/2019weflewtoXXXXXXXXandattheairportlookingfortaxitotheportcityofXXXXXXXXtocatchacruise.Ahandleratairportexitstated{$85.00}fortheonehourtwentyminutesride,whichisinlinewithtaxiestimatesonline.Ataparkinglotwemetawomandriver,anethemanprocessedmycreditcard.Uponarrival,thewomansaidshecouldnotgivemeanyreceiptsinceshecannotprocesscreditinhercar.Oncereturnedhome,Ifoundoutwewereactuallycharged{$1400.00}fortheride.Iraisedissuewiththecreditcardcompanybutthreeweekslaterwasagaincharged{$1300.00}forthetransaction.IrequestedtoseeacopyofthereceiptsinceIdonotremembersigningone.Eventuallyitwasprovidedformewhichdidnotbearmysignature.ButtheladyatBankofAmerica(XXXX)saidaccordingtocreditcardpolicy,sincemycardwasnotstolen,Iconsentedwiththeservicerequested,andareceiptwasproduced,Ireallydonothavegroundstoprusuethematteranyfurther,despitethefactIdidnotacknowledge,agree,norsignthereceipt.
Consumer complaint received 2019-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (FL)

hello, i have phoned nelnet repeatedly. 

i get absolutely no where! the people and supervisors who answer the phones are the rudest people ever. i am assuming that it is because you are a private company vs federal. horrible. i can not get any information from them. 

XXXX XXXX. { no one seems to know who that person is XXXX mailed me some paperwork. the paperwork is not cohesive and i would like to speak with " XXXX XXXX ''.
Consumer complaint received 2021-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Someone applied for a loan through XXXX XXXX XXXX on XX/XX/2021 which affected my credit score. The company called to question this and declined the loan but it still dropped my credit score. I want it removed from my credit report.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (AL)

I tried to place a credit freeze on my account with Equifax and failed to do so. There automated system wouldn't work. I dialed XXXX and tried 4 times. Failed every time. I called XXXX and spoke to a person. I gave them Name, address, social security number, date of birth, and they kept asking questions about past loans. I've paid everything off and have no debt. I can't remember all my past loans to tell them. They were very frustrating. I asked to speak to a manager and got the same results. Her name was XXXX. She would not give a last name. I was unable to place a freeze on my credit with Equifax, I called XXXX  and XXXX and had no problem. I gave their automated systems much less information and successfully placed a credit freeze on my account.
Consumer complaint received 2019-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/XXXX, I deposited a check from a Freelance company that I thought was legitimate, the check was returned on XX/XX/XXXX. On XX/XX/XXXX, I woke up with card fraud. I typically work early and I rushed. I did not check that this happened until later in the day. Did not receive a confirmation on a XXXX transaction made with XXXX XXXX ( XXXX ) but I did receive a {$500.00} transaction notice but I received it the night prior on XX/XX/XXXX at night. I sometimes do not check my emails right away. 

I called immediately as soon as I was made aware of these charges. I realized that all of the occurrences happened simultaneously and I have proof that the fake check was not created by me but sent to me. I did not however authorize any of the other transactions. 

I have been trying to talk to Chase regarding this for the past 3 weeks. My initial temporary credit was deducted this Saturday because the claim I opened was denied. I have been going back and forth with Chase giving me vague information about providing more information or evidence without specifying anything. I then finally got them to tell me that providing an IP address as documentation can allow me to reopen it, but again they were extremely hard to work with and this was getting out of hand. I did start to raise my voice in this matter during my calls out of frustration because no one seemed to believe me or help me. I did NOT c create this fake check and I did NOT authorize any of these payments at all
Consumer complaint received 2019-07-22
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: Revenue Assistance Corporation dba Revenue Group (OH)

i have been receiving calls from this company regarding some collections for medical bills? i have never been to any medical facilities of any kind to have any debt under my name. This could be a result of identity theft i was going through. I'm attaching my identity theft report with this request. Please verify the information again please remove this from profile as i dont have anything to do with this.
Consumer complaint received 2019-07-22
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. (MS)

I'm upset because I went to purchase a car and did not qualify. This has been ongoing now for some time again there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX   XXXX Experian : 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.
Consumer complaint received 2019-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I'm upset because I went to purchase a car and did not qualify. This has been ongoing now for some time again there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX XXXX : XXXX Transunion : XXXX, XXXX XXXX : XXXX, Transunion : XXXX. XXXX XXXX XXXX XXXX : XXXX, Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX  : XXXX Transunion : XXXX, XXXX XXXX XXXX XXXX : XXXX.
Consumer complaint received 2022-12-16
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. (CA)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The accounts are inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Experian Credit Bureau but they failed to give me any results or feedbacks about this concern. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please have these accounts repaired for once : XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-07-23
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

My Mortage is with Select portfolio services, I was told that I missed a deadline in may for them to help me with my mortgage. I lost my job in XXXX of XXXX and just recently started a new job as of XX/XX/XXXX. The bank is requesting that I pay a large amount to reinstate my account otherwise they will continue with a foreclosure. I asked if there are other options and was told no. At this point I dont know what else to do.
Consumer complaint received 2019-07-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GMA Investments, LLC (TN)

I have repeatedly tried to ask these people what they are calling for and they won't give any information but they continue to harass me and my husband they have called his work lying talking about garnishing and giving out his personal information. I don't know who they are they keep saying " XXXX XXXX  '' and " Summit Receivables '' when they answer we are tired of being harrassed.
Consumer complaint received 2018-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (FL)

On XX/XX/18 was unable to find XXXX $ via ach transfer. 
On XX/XX/18 balance of XXXX $ was debuted from my existing PayPal balance. 
XX/XX/18 in addition to the XXXX $ taken on XX/XX/18 my bank account was compromised and XXXX $ stolen. 

They were unable to give me back XXXX $ I spoke XXXX id # XXXX supervisor
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

" I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( XXXX ), as reported on my reviewed files. I am concerned that this information may have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( XXXX ) following its earlier removal from reporting, without issuing the requisite XXXX notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting XXXX XXXX XXXX ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 


Listed below are the Accounts that are being challenged 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 XXXX00.00}
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (MN)

It's been months now and netspend won't unlock my account. They had no reason to do so. This is like the 5th or 6th time they have done this. I did not report my card stolen or did I put in any wrong passwords or was there any unauthorized purchases to my knowledge. I'm tired of this and want it unlocked immediately.