davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-23
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: AES/PHEAA (WI)

I sent a certified letter to all three credit bureaus requesting them to investigate this closed account which has been closed since XX/XX/17. I asked for them to delete this closed account I also called them and it still is a hindrance on my credit report.This closed account has decreased my credit score, I'm having hardship in my life this closed account has caused me to be denied credit for housing etc. I sent the certified letters over 90 days ago and still nothing from them this violated the FCRA laws that makes the credit bureaus responsible to reply to consumers in a timely manner.
Consumer complaint received 2022-10-15
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: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Bank of America is reporting alleged debts of {$640.00} ( Acct # XXXX on my credit reports without any standing & in violation of the FCRA & relevant Texas Debt Collection Act laws. Bank of America is also in violation of Title X of the XXXX XXXX XXXX, and related regulations including abusive acts & practices. I have contacted them via XXXX with no response. In addition, I believe that this company has discriminated against me in violation of the Equal Credit Opportunity Act due to the fact that I am a supporter of the XXXX XXXX, engaging in XXXX behavior. Since Bank of America has willingly committed these premeditated/malicious acts, I have spoken with local counsel regarding the matter and they have agreed to potentially take the case on contingency pending Bank of America 's response. I am however, willing to waive any litigation regarding this claim & rescind any complaints filed if the other party deletes the trade line from all 3 credit bureaus. Please advise.
Consumer complaint received 2022-04-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Professional Bureau, Inc. (NC)

In 2016 I contact a company by the name of XXXX after hearing a radio ad that this service could help negotiate lower rates on utility services/phone bills, etc. I was struggling financially at the time and filled out my information online to see if they could help reduce my bills. It was not disclosed to me ( or hidden in small print ) that they could arbitrarily make decisions on my behalf and charge me an undisclosed amount for doing so, with no opportunity to accept or reject the offer. XXXX supposedly negotiated a discount with XXXX XXXX XXXX  that I never actually received, or only received temporarily and then it stopped - yet XXXX arbitrarily charged me almost {$400.00} for this " service, '' with no opportunity to decide whether or not I wanted to proceed. XXXX repeatedly asked me for passwords, and continued to contact XXXX XXXX XXXX after I asked them not to. I ended up having to cancel my XXXX XXXX XXXX service altogether because of this repeated headache and received no benefit from XXXXXXXX XXXX deceptive service, which in every way is a UDAAP violation. I received no clear disclosure about what I was to be charged and did not agree to any terms ; there is no signed agreement. 

Now, years later, a collection agency by the name of Merchants & Professional Collections has put this account on my credit report. I have disputed the account and was provided no validation of the " debt. '' They just continue to validate it with no basis. I do not owe this company anything and placing this account on my credit bureau 6 years after any interaction with this company in an attempt to collect ( even if I owed it, which I do not ) is not legal as a debt buyer as the statute of limitations is up. I want this removed from my credit report.
Consumer complaint received 2019-10-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (FL)

On XX/XX/2019 I applied for a program with SALLIE MAE to lower the payments of my student loans due to changes in life circumstances. They told me I would make three qualifying payments of {$32.00} for three months and then qualify for the program. The next month, I get notice that my loan is delinquent and will be reported to the credit agencies. When speaking to a representative, I was told that they made a mistake and that the qualifying payments should have been {$50.00} for three months to qualify, so I made arrangements to pay the difference on XX/XX/2019. Then I was told that my loan actually didnt qualify for the  program and then I was told that I could do three qualifying payments to tack them on to the end of my loan so I wouldnt be delinquent, even though I wasnt delinquent and had followed all the details of the plan they put in place. 
I was affected by the hurricane that caused us to evacuate, so XX/XX/2019 was granted a hurricane/ disaster forbearance. XX/XX/XXXX the dented {$120.00} from my account from the last plan they had put me on, even though I was on forbearance and told nothing was due. They refunded the money, but when they did it canceled my qualifying payment and put my account as delinquent, even though I was told the forbearance wouldnt affect this plan I was forced into because of their mistake. Sallie Mae has deceptive practices. As a teacher is would be nice if the public service forgiveness was eligible for these loans.
Consumer complaint received 2021-05-18
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Outsourcing, Inc. (MD)

I have repeatedly received calls and voicemails from " Receivables Outsourcing , LLC '' ( Address : XXXX XXXX XXXX , XXXX, MD XXXX ) who claim I owe a debt. They ask for personal information over the phone without being clear who they are or why they are calling. I have repeatedly asked them to send information about any debt via mail ; they claim they have done so but I have never received any information about a debt owed. I have repeatedly asked them to stop calling, but they continue to periodically call using an automated system ( most recent on XX/XX/21).
Consumer complaint received 2022-04-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (GA)

After receiving my direct deposit pay on XX/XX/2022 from XXXX I have been watching my every day balance cautiously on my account according to whats being spent and it has not been adding up to what it should be. I see less money than it should be. This recently just happened and I check via Citis app on a daily. Overall calling Citi bank about any issue, the bank can hardly resolve any concerns. I still havent received my savings atm card yet that I recently just opened. I will attach what I do see and have for my daily balance, this is reflecting on the app and their website. None of it is adding up. It should be corrected and I wish for someone to contact me. This is my only account that I do use.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC (TX)

On XX/XX/2021, ABILITY RECOVERY SERVICE increase my balance by {$20.00}. On XX/XX/2021, I sent a debt validation. On XX/XX/2021, I received my original contract from the agency & that states that my original account balance is {$870.00}, not {$890.00}. Per 808. Unfair practices : A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
Consumer complaint received 2023-09-06
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: BMO Bank, N.A. (GA)

I have made several attempts at trying to contact and get the copy of the car loan title from BMO Harris bank, to register my car in the state of Georgia. The state of Georgia will not register the car without it. I make my payments, Ive updated my address, called several times and each time they say its processing with false promises. Its been frustrating how I pay my payments and they cant provide this document for me.
Consumer complaint received 2023-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

This is my 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 alleged fraud or extortion. 



XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00}
Consumer complaint received 2022-04-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Eaton Group Attorneys LLC (LA)

I was aggressively pursued by a deputy who came to my place of employment to serve me with papers for Debt owed that I am unaware of or the Debt owed is well beyond the Statues of Limitations for the State of LA ( 3 years ). XXXX XXXX is stated as the company owed in the papers received with XXXX Attorney, XXXX collecting the debt on their behalf. 

I have never been contacted or received paperwork in the past to indicate this debt was owed yet I have been humiliated in front of my fellow coworkers by being served by a Deputy I have in the past deputed with 3 Credit Bureaus the information on my record only to be harassed by the 3rd party collectors who are collecting for these companies. 

The paperwork ask that I ay {$7400.00} plus 5.75 % interest from the Date of Judgment - XX/XX/20 plus 25 % principal and Interest and all court costs subject to a credit of {$0.00}
Consumer complaint received 2021-05-18
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. (FL)

Equifax has stopped reporting my credit scores for years I have tried to fix the situation multiple times. I have called in asking to speak to supervisors and each one them have not helped
Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY (CA)

Please note that this is not a duplicate complaint. I used CFPB to communicate with you to resolve about disputing my online personal loan with the Wells Fargo loan bank that was obviously COERCED since I was DEFRAUDED last year, which is being acknowledged and recognized by the FBI now. And I have now an ACTUAL ON-GOING CASE with the U.S. Department of Justice XXXX
Consumer complaint received 2017-08-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

On both XX/XX/XXXX and XX/XX/XXXX I applied for vehicle loans. All three repoting agencies are showing multiple hard credit checks ( 9 in total ) for these two dates despite them originating from the same dealer. There should only be two hard inquiries present.
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Diversified Consultants, Inc. (WA)

I recently pulled my credit report with XXXX and XXXX and saw that reported me as a collection account. I immediately disputed this information with XXXX and XXXX. I unaware of this collection account and paid XXXX directly. I have written letters to DCI on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. They responded by updating the pay date to the date that I paid XXXX. I have asked for verification of this debt and the disclosures sent to me under FCRA but to no avail - I have received no response. They are in violation of the FCRA because they will not verify this debt or provide proof of disclosures. 

I have requested an investigation by DCI but to no avail - they have not answered me at all.
Consumer complaint received 2021-05-18
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (OK)

On XX/XX/2021, I was informed by chase bank customer service that chase has decided to close my checking account and that the funds available in my checking account will be mailed out to me. I asked if I could go inside a branch withdraw my funds instead, the representative informed that : yes I could just go inside the branch and withdraw my available funds if I didnt want to wait for a check to be mailed out to me. 

So on XX/XX/2021, I went to the branch to withdraw my available balance. The banker called their back office to see if it was okay to give me my available instead of waiting for a check in the mail, since the account is pending closure. 

The back office declined to give me my available balance under the pretense that there are several claims waiting to be finalized on my account. And they will not release my funds until the claims are finalized. 

However the claims amount is way less than my available balance. 
Claims amount : {$1500.00} Available balance : {$6000.00} I suggested that they keep the claims amount XXXX {$1500.00} XXXX until the claims are finalized and release the rest of my available balance XXXX $ {$4500.00} XXXX immediately and the bank still refused. 

Chase bank is holding my money for absolutely no reason. My money is legitimate money that I personally deposited into my account sometimes either by cash, checks or direct deposit. 


So I dont understand why chase is holding my money hostage in these hard times that we are experiencing.
Consumer complaint received 2022-04-13
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: Atlanticus Services Corporation (PA)

You have violated The Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) ( FDCPA ) & the Fair Credit Reporting Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services ( FCRA ). 
( TITLE 15 ) 15 U.S. Code 1681, 15 U.S. Code 1692, 15 U.S. Code 1681b.

FCRA 605B ( 15 U.S.C. 1681c-2 )
Consumer complaint received 2022-02-22
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. (NV)

I recently checked my credit report and noticed some accounts that I do not recognize and I have not authorized. I have apparently been a victim of Identity Theft. There are several mistakes and inaccuracies of the spelling of my name. There has also been inaccuracies in the addresses reported on my file. I am demanding these accounts be immediately removed from my credit profile. The items include ; Reported Names : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX : 1. XXXX 2. XXXX  3. XXXX XXXX Addresses : 1. XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX 2. XXXX XXXX XXXX XXXX, WA, XXXX 3. XXXX XXXX XXXX XXXX, XXXX, CO, XXXX 4. XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX 5. XXXX XXXX XXXX, XXXX XXXX, CA, XXXX 6. XXXX XXXX XXXX, XXXX, CO, XXXX I also have attachments along with this complaint containing the correct information. 

XXXX XXXX XXXX Unsworn declarations under penalty of perjury
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (TX)

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/2022 at XXXX XXXX central standard time and discovered that EQUIFAX at XXXX XXXX XXXX in XXXX, GA XXXX placed a fraud alert on my credit report without my consent.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/2022 at XXXX XXXX  central standard time and discovered that EXPERIAN at XXXX XXXX XXXX in XXXX, TX placed a fraud alert on my credit report without my consent.
Consumer complaint received 2024-01-02
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Upstart Holdings, Inc. (PA)

XX/XX/XXXX I originated a loan with Upstart. The loan allegedly was funded XX/XX/XXXX. When funding was still not received by XX/XX/XXXX, I contacted Upstart for investigation and followed up via email. After I followed up daily asking for some type of financial tracking identification ( which they still have not provided despite by request ), on XX/XX/XXXX, Upstart admitted they had a banking error on their end and funds were never sent to my account. Despite multiple follow-ups on my end I received the response on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that the issue was still with their " engineering '' and legal/consumer relations team. I called on XX/XX/XXXX and was told again allegedly it was under investigation. I spoke to a supervisor who then changed the position and reaffirmed the " engineering '' status. No information was provided or an expected resolution. I still have this showing on my credit report with a payment being due XX/XX/XXXX for a loan I never received the funds from Upstart. The supervisor advised it is still with their research/engineering team with no resolution expected. I advised that their communicated turnaround to consumers is 10 business days which was exceeded. No written communication for reason of delay was received. No expected resolution timeline was communicated and a payment is owed on my account for funds I never received.
Consumer complaint received 2021-06-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings (PA)

Everytime I called about payment of a debt that was outsourced to them they were rude, they practice illegal/abusive acts and tactics to attempt to collect debts, so we paid the creditor ( XXXX XXXX ) directly. After paying the creditor we were told by reps from this company that they would not remove. The creditor already assured us that this agency is a 3rd party and they are contracted by the creditor. The creditor informed us that it would be removed. I spoke to 3 reps all who refused to transfer me to a supervisor and were speaking to me in condescending manners/tones also all stating that it would not be removed. I informed each rep that I would contact the CFPB and each time I was responded to with a laugh. Also, I spoke to the creditor who informed me that she spoke to this company directly AGAIN and told them to remove it from our reports.I reported this to you guys and they closed it stating that the client said debt was owed which is a lie. Ive enclosed my proof of payment. This company needs to be looked into. The XXXX and XXXX  I have received from them is unheard of. Literally stressed me out and caused me anxiety. Rude and unprofessional to say the least.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

payments on schedule and never missed a XXXX, so this situation is causing XXXX  distress. XXXX  struggling with the inaccuracy  on XXXX XXXX, which is affecting XXXX  XXXX. I urgently request that XXXX  correct the late XXXX  error and update XXXX XXXX as soon as possible.
Consumer complaint received 2023-08-12
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE (VA)

I purchased 3 money orders 2 years ago and they were purchased from XXXX XXXX Western Union did not honor the money orders XXXX. XXXX. XXXX I have contacted Western Union several times and I was told they were cashable by representatives So I deposited them in my bank and it said return to maker I was charged XXXX dollars each transaction putting my account at risk for closure
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am XXXX XXXX. who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Consumer complaint received 2023-12-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.