davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (CA)

Chase bank has been reporting credit card ending in XXXX to XXXX, XXXX, XXXX, and XXXX without notifying them of disputes I submitted on XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2021-04-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Acceptance Corporation (CA)

This adverse account listed on my credit report is inaccurate as the account was turned over to collections due to a bookkeeping error. When I was contacted by M LEONARD & ASSOCIATEXXXX regarding this collection account I advised them that the account had been turned over to them in error, because the bill was covered by my sons insurance and had been paid in full. Despite what I told XXXX XXXX he said that I owed the money. I asked XXXX XXXX of M LEONARD & ASSOCIATES to provide me with supporting documentation so that I could look into the matter further. 

After receiving the documents that I requested from M LEONARD & ASSOCIATES, I called them and they advised me that they would hold off on any further collections until XX/XX/XXXX so that I could look into the matter. On XX/XX/XXXX I contacted XXXX XXXX of M LEONARD & ASSOCIATES and advised him that I was still waiting to hear back from bookkeeping regarding the account as the file had been put in storage because the account was from XXXX. During this conversation I was advised by XXXX XXXX of M LEONARD & ASSOCIATES that I needed to pay the outstanding amount while I waited to hear back from bookkeeping or they would report the negative information to my credit report. I made the payment even though I did not own the money so that M LEONARD & ASSOCIATES would not report the negative information to the credit bureaus. After making the payment I was advised by XXXX XXXX of M LEONARD & ASSOCIATES that if there was in fact an error M LEONARD & ASSOCIATES would reimburse me the {$240.00}. 
Despite the promise to not report the information to the credit bureau if I made the payment, M LEONARD & ASSOCIATES still reported the negative information to the credit bureau and it was later discovered that the account was in fact turned over to collections in error. So based on this fact the I asked the debt collector to remove the negative information that they reported to the credit bureau and they refused. 

This is not a valid collection account and therefore should not be listed on my XXXX  credit report. The account was paid in full prior to being turned over to collections. Furthermore the fact that M LEONARD & ASSOCIATES reimbursed me the {$240.00} for the payment that I made, further confirms that the collection account was in fact in error and therefore should not be on my credit report. Lastly, there should be no charge off as the account was paid in full by my sons health insurance and the account did NOT legally belong to M LEONARD & ASSOCIATES.
Consumer complaint received 2022-04-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (NV)

This complaint is for a collection account on my XXXX credit report. The account showing is Mountain America CU. Listed XXXX/2019. It has them as a lender. I have not taken out any loan or account with this company. For my report it does not show any account number just X 's and the amount showing is {$1.00}. 

I have contacted this company on several occasions and not able to get an resolution. I have spoken with customer service and fraud departments. Either some representatives are not able to either verify me ( which would make sense ), and others pick up info regarding an entirely different person. Provided address and that is not what they have on file for any account. 
I have asked for detailed information to be sent regarding account to me but they have yet to do so. Some stating since they are not able to verify then they can send. I notified them if that is the case how you are reporting something to the credit companies? This collection account is false, erroneous and fraudulent. 
Is it not true that a company has to notify a customer before placing items on a credit report. I never received any notification. This account is fraudulent, and has negatively impacted my credit and personal life for years. Please remove this account from my XXXX report and as well any information regarding this account.
Consumer complaint received 2021-08-28
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (MN)

All 3 are federal loans {$2.00}, XXXX {$3.00}, XXXX {$7.00}, XXXX This is from XXXX XXXX XXXX, this school maked out my loans themselves ( fraudulent ) and they have been notified about this several times and will not work with me even over the pandemic. 
XXXX has had several issues with money, loans etc to the point some schools got shut down. The admissions representatives were being asked to hide documents as well.
Consumer complaint received 2021-05-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CO)

PayPal has placed a random and unnecessary limitation on my account stopping up my daily business. 

Insubordination by representative, XXXX, at PayPal ... agent claims that he sent a message to operations claiming that I will not submit requested photo ID to verify account exposing personal information and risk. Customer will not be treated unequally to any other PayPal customer who is not required to upload personal photo identification. 

Allegedly and according to agent XXXX, this limitation stems from a dispute through XXXX in XX/XX/2021, and evidently PayPal lacks communication skills in order to obtain dispute resolution records with their partner in crime, XXXX. 

This was the exact message from PayPal upon limiting my account. 

" We need some info from you We noticed that there were some changes to your account activity. To understand this better, we will require some information from you. 

Until we receive your information, some features in your account will be limited. You'll be able to regain access to these features once you provide the information we've requested. 
If you're unable to submit the required information by XX/XX/2021 or if we notice additional changes in your account activity, your access will be further limited. 
Reference ID : XXXX Well start our review after you have completed all of the below required tasks. ''
Consumer complaint received 2019-08-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc. (WA)

On XX/XX/XXXX at XXXX XXXX I received a call from XXXX stated I owed money from an account opened after the statue of limitations and I explained that this account is no longer on my credit report is very old and the gentleman stated that he wad aware but wanted to see if he could still get payment and I asked him not to call again and he was cussing. The account was for XXXX XXXX XXXX XXXX, CBE group is the company. XXXX XXXX is who I talked to and XX/XX/XXXX and they stated they can still legally get money from me.
Consumer complaint received 2018-11-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IL)

I had a Home Depot account that went into collections with XXXX XXXX XXXX. I entered into a settlement agreement with XXXX XXXX XXXX  and made 1st payment fine with no problem received a confirmation letter in mail for payment. XXXX sent me 2 letters, 1 in the month of XXXX and one in XXXX reminding me that my final settlement payment of {$180.00} was due on by XX/XX/2018. I paid the amount required on the letter on XX/XX/2018 with a rep from their company. On XX/XX/2018 at XXXX I get a call from a XXXX, I believe this is what he said his name was, stating I was short {$63.00}. I advised him female that took my payment said she saw the letter that was mailed to me and agreed amount on letter was correct that I should get a settlement letter within 10 business days. He wanted to argue. I told him he must honor what was place in writing on their letter head, he refused. He then placed me on line with a guy name XXXX XXXX said he was not a supervisor but the person that handles complaints that no manager was there and he refused to argue and told me I need to pay the additional amount. I told him I wasn't paying anymore this is not what was on their letter, he proceed to tell me that the settlement will be voided and they would go after me. I requested a manager, he said no manager he is the manager. I advised he previously told me there was a manager now there is no manager. I explain to have manager contact me today XX/XX/2018 and hung up on him. This company is not willing to accept what they placed in writing and agreed upon when they took my money for payment. I want Citibank ( HomeDepot ) made aware of this and this company.
Consumer complaint received 2023-01-12
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I have reached out to the company several times they replay by stating that they are following the credit laws which they clearly are not I recently received a copy of my consumer report, and I noticed some late payments posted on my consumer report : XXXX XXXX XXXX XXXX account # XXXX This company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the XXXX XXXX XXXX and the person Nissan Motor Acceptance Making the report is not INCLUDED on my Consumer report! 
A XXXX payment is a transactional history, My HISTORY with your company. XXXX clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! 
YOU HAVE VIOLATED THE FCRA XXXX XXXX XXXX by reporting this transaction or experience on my consumer which XXXX clearly states IS NOT included on my CONSUMER REPORTS.
Consumer complaint received 2023-07-22
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. (MD)

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENOVA INTERNATIONAL, INC. (CA)

Last payment to original debtor, CashNetUSA, was on XX/XX/XXXX. Debt was sold to another company, XXXX XXXX XXXX at unknown time. XXXX XXXX XXXX has threatened to sue me pass the statute of limitations of four years in California and filed a lawsuit with Superior Court of California on XX/XX/XXXX. This debt is an old ( Time-Barred ) debt in California ( See line XXXX on page XXXX of attached document ). " If a debt is time-barred, a debt collector can no longer sue you to collect it. In fact, its against the law for a debt collector to sue you for not paying a debt thats time-barred. If you do get sued for a time-barred debt, tell the judge that the statute of limitations has run out. '' -https : XXXX # debts.
Consumer complaint received 2022-01-22
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. (WA)

According to Experian and XXXX I was first late on my XXXX credit card in XX/XX/XXXX. According to the Fair Crecit Reporting Act late payments must be deleted no longer after 7 years from the first delinquency. So it should be deleted by XX/XX/XXXX, but they refuse to delete before XX/XX/XXXX, in violation of my rights of the FCRA. Ive contacted both XXXX and XXXX XXXX  and they have done nothing.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is reporting incorrect information on my report. I have disputed in writing several times and it always comes back as verified accurate. 
This account is reporting XX/XX/2019 and XX/XX/2019 as both 30 days late. It also reports as a {$90.00} payment was made on XX/XX/ 2019. 
How can this be? 
This is in violation and must be removed per the FRCA.
Consumer complaint received 2021-05-12
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: AMERICAN EXPRESS COMPANY (IN)

American Express won't resolve a dispute in my favor with XXXX  for a defective and stolen phone shipped to the United States. They wanted me to pay for a high return shipping XXXX {$67.00}! ) even though the phone isn't compatible with any major US carrier and results in a suspension of service. Charged {$410.00} on XX/XX/2021 dispute reference # XXXX. Complained to FTC and FCC complaints attached.
Consumer complaint received 2021-05-12
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. (IN)

I have disputed with Experian twice already regarding every single student loan/XXXX  account they have on my report. XXXX  has absolutely ZERO student loan accts on my report. I provided proof of such and requested that due to this discrepancy it needs deleted off my report-they refuse to. I also provided proof of reporting discrepancies with XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX as all of those are listed on my Experian report but either they're removed off my XXXX or the information has discrepancies-they still won't remove them. They're in violation of the law and the Credit Reporting Act and I need them to IMMEDIATELY remove all of those accounts for the erroneous information. I have provided proof of everything on my XXXX report to you all. I have provided this same information to Experian yet they are ignoring it and stating that these erroneous accounts are verified. I also requested signature PROOF of these accounts being verified and they have failed to provide me that via mail, also. THESE ACCOUNTS NEED TO BE REMOVED IMMEDIATELY BECAUSE IT'S CAUSING ME TO NOT HAVE GREAT CREDIT WHEN IN FACT I REALLY SHOULD.
Consumer complaint received 2021-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (CA)

I was denied the Home Depot Credit card even though I have excellent credit and long standing credit history. The decision on which Citi said they made the decision is incorrect. I've escalated this to their executive response unit multiple times over the last few months with no resolution. Given that this decision was made in error, I have asked them to remove the hard credit inquiry which they won't do and is leading to this complaint.
Consumer complaint received 2021-05-12
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)

Paypal closed my account for no reason and will not help me with getting it back up and going, and they sent the money that was in my balance to PayPal correction I am not sure if this is some mistake as I assume it has to be I have not been able to get help from them for months but i remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used Paypal quite frequently. My email linked to my paypal is XXXX XXXX
Consumer complaint received 2016-03-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA (PA)

I applied for the REPAYE plan on XXXX/XXXX/2016 and had numerous issues with Fedloan servicing and there policies. Fedloan finally resolved my issue and CORRECTLY processed my REPAYE plan today XXXX/XXXX/2016. However, when processing my REPAYE plan fedloan changed my due date from the XXXX to the XXXX without my permission and I want my due date to remain the XXXX and not mess up my {$0.00} IDR payment. Furthermore, I have XXXX loans in GRACE period, according to fedloan I will need to reapply for REPAYE once those loans enter repayment because they can not process an IDR plan with an app older than 60 days. That being said, they are contradicting themselves because they just processed REPAYE today XXXX/XXXX/16 with an app older than 60 days submitted on XXXX/XXXX/2016. Additionally, this is not a XXXX guideline, if I was to reapply for REPAYE I would essentially be recertifying my income which by then WILL NOT change thus re-disclosing the terms of my IDR plan. Fedloan should be able to use the same app and proof of income as per REPAYE needs to be aligned across all of my loans and my income will not change. I want fedloan servicing to process the REPAYE plan on my newer loans that are in GRACE once they are within 45 days of repayment. I do not want to reapply and go through all of this nonsense again. I know my rights and I am very familiar with student loan practices and other XXXX practices and fedloan is not following them. Please make my life easier and do n't make me reapply for REPAYE for my loans in grace when I know you should be able to use the same app since it is in the same repayment period. It is not my fault if your system is not capable of processing functions up to the XXXX standards.
Consumer complaint received 2022-09-27
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. (LA)

I submitted a dispute to XXXX, Equifax XXXX XXXX. I have not received a response. I understand that I am given time to hear back but they are all out of time. Legally. 

I need them to remove the items on my credit report & also compensate me for breaking the law.
Consumer complaint received 2016-01-13
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (FL)

Suntrust Bank has held {$45000.00} in a ledger account and went on notice approximately XXXX XXXX, 2015. There was unlawfully holding funds they were not entitled to. Again two times the same thing happened and on the third check Suntrust exposed themselves by transferring the funds back into my account. I had to retain counsel to protect my interest and was n't even given statutory interest ( 4.75 % ). Suntrust gave me .6 % today when they FINALLY released my funds today for {$45000.00}. Also my counsel took XXXX % because I was totally neglected by Suntrust with all my emails since XXXX 2015 until I had to teatime counsel XXXX 2015. I find this unethical on Suntrust 's behalf and counsel and unfair to me.
Consumer complaint received 2019-09-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TN)

My mortgage company is trying to pull my equifax report, and can not. I have called 6 times to equifax and spoken to 6 different people. I have used the live chat at equifax 3 times and no one there helps either. My mortgage company has the exact information that is on my copy of my equifax report. They can pull from the other 2 bureaus. Equifax will not help me. They tell me they will call, but no one ever calls.
Consumer complaint received 2022-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

1. XXXX XXXX ( XXXX XXXX of XXXX $ in collection since XX/XX/XXXX. 
Fraud 2. Bank of America XXXX of XXXX $ Credit card opened XX/XX/XXXX. 
Never had this Fraud 3. XXXX XXXX they put an application for a bank of America card and I called to stop it. 
Also not me Fraud
Consumer complaint received 2022-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

As a consumer I am highly disappointed in this Bureau! I have sent several letters to them about several accounts on my report that were deleted and re-added for instance account XXXX and XXXX these are the same account that were delated from the original creditor XXXX XXXX because they were disputed. I asked them to verify this account with the original creditor and they couldn't so it was deleted. However it was readded to my credit report under XXXX and another name. As a consumer I have the right to a credit report that is 100 % accurate. What makes matter worse is that the bureaus isn't supplying me any information on the dispute process. I have sent several letters and have gotten no responses from this Bureau. This isn't the only account that this has happened with ; there was another, account Account number XXXX creditor XXXX XXXX XXXX  which I disputed this account with the Bureau back XXXX XXXX resulting in, apparently a deletion which I also didn't receive a letter about, this was deleted due to them not being able to verify the account and then a month later was readded under account number XXXX and XXXX. I will be including copies of my credit report from XXXX and my most Recent credit report here in XXXX. However the Bureaus have a responsibility to make sure all information is accurate and correct before entering it into my credit report! This didn't happen. I am writing this complaint because I am expecting them to correct not only these two files but all the others on my credit report!