davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

Upon reviewing my most recent consumer report, I noticed the presence of a bankruptcy entry that should not be included. Through my recent study of laws, I have become aware that the inclusion of this bankruptcy violates 15 U.S Code 1681 a ( 4 ) - Consumer Right to Privacy. It is my right as a consumer to have control over the release of my personal information, and your unauthorized disclosure is unacceptable.

I want to emphasize that I am a victim of identity theft, and the inclusion of this inaccurate bankruptcy entry further compounds the damages caused by the fraudulent activity. It is important for you to understand that there are legal consequences, both criminal and civil, for such actions.

Thank you for your immediate attention to this serious issue.
Consumer complaint received 2018-08-06
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 (NY)

PayPal has unfair business practices. I became aware of a past due balance on an old PayPal account that I didn't need anymore. When I tried to log into my account to pay the balance it kept saying there was an error on PayPal 's side and to keep trying. When I looked on their website for an email address to contact them when I clicked on the link it took me to a page asking me to log into my account ( which I couldn't do ). There are no phone numbers on their website but I googled and found a number and called them. When you call the automated message askes for the phone number associated with the account. My account was so old I don't remember the phone number I would have used so I tried to ask for representative but it just kept asking for it. After trying many times I finally found a way around the automated attendant and got someone on the phone who told me my account was locked. How am I supposed to pay the past due balance if they lock my account? When I said I wanted to pay the balance due and then close the account I was told I would have to be transered. As soon as I was transfered the phone went dead. This happened several times and after repeated attempts I got to someone who would take my credit card info to pay the balance but once the balance was paid they told me it would take 3-5 business days before they would unlock the account for me to close the account. I spend 3 days of my life just trying to get through to them to get the balance paid and close the account but it seems like every step they purposely make it hard so they can keep the account going to continue to collect fees.
Consumer complaint received 2023-06-13
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. (FL)

I have contacted Experian in regards to two bankruptcies and a medical collection that are unauthorized unverified and or inaccurate. I reported these items in XXXX and followed it up here with a complaint to the cfpb. on XX/XX/23, it is now XX/XX/23 and they have not removed the items or responded here and is way passed the days in which to respond to the complaint and or dispute.
Consumer complaint received 2018-08-06
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: NAVY FEDERAL CREDIT UNION (MD)

I have filed 3 disputes with XXXX  concerning an account that belongs solely to my deceased husband. After my husband 's death, I found out that I was listed as an " Authorized User '' on my deceased husband 's Visa account with Navy Federal Credit Union. I never knew about said Visa account, never used said Visa account, nor do I have any financial obligation or agreement with Navy Federal Credit Union re : said Visa account. I only found out that I was listed as an " Authorized User '' on my deceased husband 's Navy Federal Credit Union Visa account when I called to notify all of his creditors of his death. I even mailed a letter dated XX/XX/2017 to XXXX from Navy Federal Credit Union that clearly states that I was listed as an " Authorized User '' of said Visa account and therefore I am not responsible. I asked XXXX  to completely remove the account from my credit report. They refuse to remove the account. I also contacted XXXX  and they immediately removed it from my report. XXXX  needs to remove the Navy Federal Credit Union Visa account from my report as it is not my account and I am not financially responsible for the account so it is unlawful for them to report an account that I am not legally liable for.
Consumer complaint received 2022-03-08
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. (FL)

When I opened my credit report to check my credit score I was shocked. You posting wrong information. It was never belong to me. Why you put it on my name. Im responsible person and I dont like to see it on my credit report. Im sure that some person hacked my profile and get my personal information!
Consumer complaint received 2018-08-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

On XX/XX/2018 I requested my free TransUnion credit report via online and by mail which I have not received. On XX/XX/2018 I made a second request for my free credit report via mail from TransUnion which I have not received. On both occasions I provided the required proof of identity and residence.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.
Consumer complaint received 2016-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Cooling & Winter LLC (GA)

I have wrote a letter to the Cooling & Winter Law firm concerning a debt from 2008. I was paying XXXX XXXX XXXX XXXX. Paying XXXX for past few year prior to that is was another company. I do n't believe I still owe after all these years. I wrote a letter asking for a clear a statement showing all the money that has been applied. They have not responded 30 days ago. I pulled my credit fnot long ago it show that the was close in 2008 an still shows I owe XXXX. Which tells me this debt is not clearing up the balance on my report. Please help get this resolved.
Consumer complaint received 2023-03-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oliver Adjustment Co. (WI)

I received a notice from Oliver Adjustment Company , Inc that I owed a XXXX XXXX XXXX SC {$15.00}. I have never been to this location, I have never had an appointment there, I have looked through all of my appointments on my health care app and none are tied to this company. Oliver Adjustment Company states on their website that they are for " healthcare professionals '' and " pro fee healthcare collection specialists, '' but do not at all appear to be legitimate or professional. 

Their statement says they are located in the state, but their website domain ( .bz ) looks to be from another country and the site itself does not feel secure or professional. Plus the po box they want me to send payment to is on the other side of the state compared to their office locations if you XXXX the company. I tried to call to dispute my claim during their regular business hours, and they would not answer the call. The call booted me off and asked for a voicemail with more than 30minutes left to go for their business day, after having waited to speak with a representative. Their only other options to dispute is to pay to send a letter back, or use their website which authorizes them to use my information that I give them freely. 

If Oliver Adjustment Company was a legitimate business, then I would assume they would help collect for other reputable businesses. Instead, they claim people have debt for companies like XXXXXXXX XXXX XXXX whose reviews are riddled with the same issue I have ; illegitimate billing practices for procedures that were never rendered or were already paid for. 

The original bill was supposedly from XX/XX/2022. I have no appointments during that time period. All of my healthcare procedures for the year of XXXX were paid for. My healthcare app states all of my bills were paid, and my health insurance also has the matching information including my out of pocket maximum being reached so at the very least, if they were a third party, XXXX XXXXXXXX XXXXXXXX would have had to bill my insurance or the healthcare provider that asked for their services because I have already paid for all of my services. I have received no bills or late charges for any of my medical procedures. My credit report does not state that I have any accounts with XXXX XXXXXXXX XXXX 

I invite you to look into either company and their reviews and see how many claims are made against them for being fraudulent or harassing for debt that should not exist whether because it was paid or because the procedure never happened.
Consumer complaint received 2020-07-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (TX)

XXXX Attempted to initiate a wire transfer from PNC Bank to XXXX XXXX XXXX XXXX. 
The PNC wire transfer department went through a complicated process to verify my identity. 

XXXX PNC called to say that wire transfer was delayed because of a problem with the information on the wire transfer form. I resubmitted the wire transfer form through a secure email. 
Later that day, they said we have to submit the wire transfer form through online banking. We tried to set up online banking, but PNC said we need a PIN number. We applied for the PIN number. 

XXXX I called an found out that PNC cancelled the wire transfer because we did not send the secure message through online banking. I never received the PIN in the mail, and we found out that PNC sent the PIN to the wrong address. PNC refused to help us and to send the PIN to the correct address. We are out of State, and the branch can not help us over the phone. 

I think PNC Bank should be more sensitive in this time of Covid-19,  in particular. No one will help us. Please submit our complaint, and I will also submit a complaint to the Michigan Attorney General 's office. Thank you. 
XXXX XXXX
Consumer complaint received 2022-03-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

This is a continuation from the complaint I find : XXXX that was submitted on XX/XX/2022. 
Bank XXXX Citizens Bank I am still receiving overdraft charges etc. as well as charges from my creditors. I wanted my account to be frozen so nothing else would occur. I forgot about a scheduled payment ; and hoping that since my account is overdrawn the bank would not send the check to my creditor. Well, I was wrong and they did! And it got returned ; which is an huge embarrassment and is costing me more fees on that end. I am drowning in all of these fees. 

I need some relief from the bank. If you look at the beginning of all of this ; it is sickening in everything I got charged. 

I would like to be reimbursed for all of the fees; including the fees my creditors charged me for returned payments ; that I tried to avoid ; but the bank would not freeze my account or do anything to help.
Consumer complaint received 2021-10-24
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. (FL)

The XXXX XXXX XXXX  and XXXX XXXX XXXX listed on my account credit report that I currently have no knowledge of. This was a result of malpractice.
Consumer complaint received 2019-04-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO. (CA)

We ordered a chair from " XXXX '' ( by Chase debit card on XX/XX/2018, {$360.00} was charged to our Chase checking account ), but it took so long, so that we cancelled it. And the chair arrived on XX/XX/2018 and we refused and returned it and it arrived at the XXXX XXXX XXXX site on XX/XX/2018. The XXXX tracking number is XXXX. 
XXXX customer service is almost impossible to connect and we couldn't get the refund, so we claimed a dispute through Chase ( Chase claim # XXXX, # XXXX ). Chase finally denied our claim even though we provided a proof of return of the merchandise. They say within 30 or 60 days we couldn't provide it. I don't understand why how many days are important. The XXXX got the chair back, but I didn't get my money back!!
Consumer complaint received 2021-06-08
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: Navient Solutions, LLC. (MA)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2018-08-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (VA)

This concerns a student loan which was originally issued in XX/XX/XXXX-XX/XX/XXXX to my daughter XXXX XXXX. I, XXXX XXXX, XXXX 's father, was a cosigner. the original loan was issued in the amount of {$7800.00} by XXXX. I have made monthly payments of {$71.00} since approximately XX/XX/XXXX. I trued to obtain information concerning the status of this loan from XXXX circa XX/XX/XXXX-XX/XX/XXXX, but was refused access to the information. I continued to make payments. The loan servicing was taken over by XXXX in XX/XX/XXXX ( I believe ). I have been informed that the current balance is XXXX. I have requested an accounting of the loan by phone ( on or about XX/XX/XXXX ) and XXXX has to this point not produced any documentation. I made a second request in writing on XXXX 's website. a request which XXXX acknowledged by e-mail on XX/XX/XXXX, and have still received no documentation. At this point, I fear a serious error has occurred and am uncertain how to proceed. I am in position of the Notice of Loan Guarantee and Disclosure Statement.
Consumer complaint received 2018-08-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Neon Newco Corporation (AZ)

On XX/XX/2018 at XXXX XXXX  MST I received an Alert to my Text Messages from Netspend Credit Card stating suspicious activity on my account and so I immediately called it using my PIN. at the same time 3 separate transactions were taking place. At around XXXX XXXX I got the rep on the phone an we went thru the process to identify me and completed that once that was done the payment that caused the alerts started to process thru my account {$10.00}, {$200.00}, {$1100.00}. she was able to stop the {$200.00}, but not the {$10.00} and {$11000.00} as the block was removed at XXXX XXXX. This Netspend company did not stop these transactions even after I said they were not me ... .I was provided the PIN the unauthorized user used which was XXXX which is the last 4 of  the card NOT the PIN. The funds or transactions were actually ok 'd and  my account was deducted. I explained this is my Rent and i need my money as this was there ERROR releasing the information. I was told it would Escalated and Disputed was it processed. I attempted to call XXXX XXXX XXXX where the purchases took place as well, and was told I would need to Dispute with Credit Card company. I have requested this is am XXXX XXXX an email advising of the Dispute requested and I was told they could not provide this information. I need this information to provide to my Rent Provider to make them aware ... I was told it takes 10 days for this to be Disputed ... I have been met with unsatisfactory service.
Consumer complaint received 2018-08-06
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Abbott Osborn Jacobs PLC (IA)

Wetsch Abbott Osbourne Van Vliet PLC is attempting to garnish my wages for a alleged medical debt which has not been verified or investigated by myself, or the other parties allegedly involved. 

I'm unaware of any of the debt that I'm being accused of, and upon multiple attempts, have not received information regarding the supposed debt, or the court information from the above mentioned PLC. The last contact to Wetsch Abbott Osbourne Van Vliet was made around XX/XX/XXXX I believe ... (? I'm unsure of dates at the moment, because I'm unable to get a hold of a representative with WAOVV PLC, even after multiple calls and messages ) the woman I spoke with at that time, said that a representative would be getting in contact with me and they would put my account on " hold '' ( which I understood as " dispute '' upon her explination ) until further notice. I never received a phone call. Never received mail notice. Never received an email, a voicemail, or ANY contact whatsoever from this company in regards to this debt I supposedly owed. I was never served any papers to inform me that they were going to attempt payroll deduction, and with supporting XXXX children, a 25 % wage cut is not something I'm capable of doing. With school starting soon, I'm in dire need of funds, and I feel like I'm being rushed and conned into paying for a debt that I'm not responsible for. 

This morning, XX/XX/18 I received an email from my office payroll department informing me that my pay was to be garnished by WAOVV PLC without any notice from the company whatsoever. I have 2 days ( XX/XX/18 ) to turn in a " Release '' from the court saying to stop the disbursement, which is nearly impossible. I have calls and emails into the court for that documentation, but I'm unsure when I'll be able to get a response to my request for release paperwork. I called WAOVV PLC three times this morning to no answer, stating that their offices are busy and to try back at another time. The entire time this " judgement '' has been made against me, the amount has gone up due to interest, which was supposed to be put on " hold '' per the last conversation I had with their employees. I'm being charged to NOT be contacted upon request. 

Their business practices are completely erroneous, along with the claim that I owe for this medical debt which I wasn't aware I even had ; nor aware I was out of " hold '' for. 

I'm currently searching through my records for the last contact date with this debt collector in attempt to provide better details. 

I'm asking for help from whoever has dealt with this because I'm unsure where to turn at this point. I can't get in contact with the company trying to take my money, and they've made no effort to contact with me directly at all. 

Please help. 
-Concerned Broke Mom
Consumer complaint received 2017-02-14
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (IL)

My credit card was used for fraudulent online transfers in excess of {$14000.00}. I contacted Chase and they told me to report to fraud department. I mailed a letter to them on XX/XX/2016 and have had no response. I have called Chase several times and complained and have gotten no help. 
In the mean time I am not paying on this balance and Chase is reporting it as late. 
Is there anything that can be done to speed up the process of Chase fixing this fraud. 
Thank you, XXXX XXXX XXXXXXXX
Consumer complaint received 2023-03-16
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. (OH)

I am disputing a credit issue related to my XXXX XXXX  Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, XXXX issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by XXXX 's payment system, causing two delinquent payments- one in XXXX and one in XXXX of 2023 - for the amount of {$2400.00}. 

Despite XXXX 's customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. 

I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. 

I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. 

I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.