davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-01-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

Hi, This account that has been reported numerous amount of times is basically the same bills. They are adding them to every inquiry for the same month twice and amount. How is this possible to report something over and over with same amounts and in same month. There are just a few that have a different amount but majority are the same. I want to know how this can be repeated over and over. Here is the company and the amounts that are the same but just reported on different days. How can they do this? Makes it look like I owe numerous bills and for the same amount and months! See below the same company and information. 

New collection WAKEFIELD & ASSOCIATES XXXX XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$990.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00} New collection WAKEFIELD & ASSOCIATES XXXX  XX/XX/2018 BUSINESS NAME/ADDRESS BUSINESS TYPE ACCOUNT TYPE/STATUS BALANCE WAKEFIELD & ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX , CO N/A Collection {$460.00}
Consumer complaint received 2023-08-15
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. (GA)

This is my 19th 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
Consumer complaint received 2019-09-15
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. (AL)

I received a copy of my credit report and noticed a few items to be in error. this item i paid in full and should have never been in collection. I even have an account with this same bank now. I dont think you would offer someone your services again who owe you money.
Consumer complaint received 2022-08-28
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: Experian Information Solutions Inc. (OH)

I have unverified accounts on my credit reports. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. The Fair Credit Reporting Act requires you to follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requesting you verify the items I am disputing at a higher standard than a computer-generated inquiry, or third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain an affidavit sworn under penalty of perjury of verification directly from a person at that source : Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued.

8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc. (OH)

*There is simply no right to " retain client funds permanently '' under clauses 12 and 36 of your payment terms. A timely refund also means all funds. You have no right to confiscate all funds. You are maliciously abusing the contract. ( XXXX ) * Copy emails to reply to customers and insult customers. ( Picture : XXXX ) **Square provided false information when CFBP responded to customers. The customer is informed by email that the funds will only be retained for 90-120 days for review before the funds can be released. But you also did not issue an information request with the customer to cooperate with the investigation. It's completely one-sided and unfair to customers. ( Picture : XXXX ) 1. The account registration ( deactivation ) time is XXXX, and the payment terms of XXXX apply. Square requires customers to abide by its updated payment terms in XX/XX/XXXX. 
XXXX. Your email client promises to review and publish it within 90-120 days. You broke the contract and nothing came of it. 

XXXX. The account is delayed for 2 years. You did not contact the customer midway to propose a solution, deliberately delaying the process. Instead, after a complaint is made to the " XXXX '', it will be " permanently retained '' and will be subject to your company 's payment terms XXXX ( which does not indicate that you have this authority ) ( or trigger Article 12 ) ) Summary : Square complained that managers abused terms, violated contracts at will, bullied consumers, and deducted customer funds at will. It is hoped that the relevant financial authorities will intervene to investigate Square.
Consumer complaint received 2023-08-13
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: AMERICAN EXPRESS COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2019-01-28
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Commonwealth Financial Systems, Inc. (OH)

I was contacted by a company referring to themselves as commonwealth associates. The person I talked first to said he was lawyer and didnt give me his name. He had all of my personal information SNN, addresses, and email. They informed that I was being sued due to a debt that went unpaid for a private student loan. I asked for information but was greeted with rudeness and threats for arrest and court summons then he hung up on me after refusal to pay on the phone. I called back to try and working things out. I asked them for verification of debt, but was met with refusal. I told them I wasnt paying anything until I got verficiation. They sent me a so called stipulation via email without telling me what it was. The original debtor was XXXX XXXX which is an online college I attended. The last person I talked went by the name XXXX XXXX, and he informed that they were looking into garnishing my wages or taking my tax or they would send a court summons. I cut him off before he started asking me questions. I told him he wasnt getting any personal information from me. He said Ill take that as you want me to send out the court summons then and hung up. I reached out to XXXX to confirm the debt, and was told by one of their representatives that there was no private loan debt of {$3700.00}. I also asked if I had anything sent to collection and she said no other the {$2700.00} that I already paid in full. I then reached out to XXXX XXXX XXXX which was the original company that XXXX has sent the debt to. The representative there stated that I paid in full. I told her about the situation. She said that its a scam and she will file a report with her company. Commonwealth Associates also contact my parents and gave it my SSN to them.
Consumer complaint received 2022-08-28
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: HUNTINGTON NATIONAL BANK, THE (IL)

I am XXXX XXXX and I am submitting this claim myself, and no third party is involved. I, XXXX XXXX, natural person, and creditor to an open ended credit plan, was denied my right of credit by Huntington. I was notified of this transgression of my rights, specifically 15 USC 1601- T.I.L.A, by Huntington XXXX XX/XX/2022. According to 15 USC 1602, I as a natural person possessing an open-end credit plan was harmed by Huntington 's adverse action taken against me. Huntington admitted to using a " credit scoring system that assigns a numerical value on information in '' my " credit report ''. Huntington admitted XXXX " the credit reporting agency advised '' them to share my private info via my credit consumer report. According to 15 USC 1602 ( p ) XXXX never had my permission to allow Huntington to view my non public private info ; in result I received no benefit from this credit transaction. Huntington 's adverse action against me, denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to XXXX. XXXX XXXX XXXX is now civilly liable to pay me for the damages.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Lending Club Corp (TX)

Lending Club keeps reporting incorrect information about late payments to my credit report. They have a different date for the 30 days late each time I dispute. I provide proof of the on time payments, it gets removed and then a month or so later they are back again reporting incorrect dates. Now they are reporting 2 late payments instead of one. This should be illegal. Its really unethical that the credit bureau companies keep reporting this information even after I show proof the payments were on time. How can someone constantly report false information?
Consumer complaint received 2019-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC. (KY)

My accounts were paid in full through Sallie Mae in XX/XX/XXXX by consolidation before Navient and Sallie Mae separated. Navient and the XXXX   XXXX XXXX continue to report inaccurate information. The XXXX customer service states that they do not have a record of an account that is in default, delinquent or past due in my name but continue to send default notifications in the mail. Both companies customer service has threatened arrest, used fowl language, and when I request documents regarding the account they claim I owe, I am hung up on. They refuse to provide documentation that any balance is owed or that the account reported has been previously paid in full and on time to Sallie Mae. Navient has falsely reported payments made to all three credit reporting agencies with the most recent being XX/XX/XXXX and XX/XX/XXXX.
Consumer complaint received 2023-08-13
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: GOLDMAN SACHS BANK USA (CA)

This company charged-off this alleged " debt ''. Per IRS publication all charge-off 's are considered income and it is illegal to report income. 

Per 15 USC 6802 I have the legal right to opt out of reporting. Notice of opt-out was sent to the company over a month ago.
Consumer complaint received 2019-01-20
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Genesis Lending (FL)

I attended XXXX University in XX/XX/XXXX and graduated XX/XX/XXXX. I was forced to take out 2 loans one federal loan and one private loan. The university insisted that I use Genesis Lending. However due to XXXX University 's fraudulent behavior they were found to of committed fraud. I received a discharge through the Borrowers Defense lawsuit and was reimbursed for the federal loan however I paid my Genesis loan off in full and now I can not get the company to return any calls and can not get any answers concerning getting my XXXX dollars back that I paid in full. How do I get my case in on the lawsuit against Genesis Lending. I was just terribly mislead by this company as well as the XXXX University.
Consumer complaint received 2018-09-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

These events been happening for the last two years. Misrepresentation of forbearance of student loan, release of cosigner, when payments are on time the student loan balance does not go down, and refusal of the reduction of payment on the student loan.
Consumer complaint received 2019-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

I received a copy of my credit report and noticed a few items to be in error. this item i paid in full and should have never been in collection. I even have an account with this same bank now. I dont think you would offer someone your services again who owe you money.
Consumer complaint received 2019-09-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Sequoia Financial Services (CA)

RECIEVED PHOHE CALL XXXX XX/XX/2019 XXXX  SPEAKING CALLED BACK COLLECTION NUMBER CANT GET THROUGH LOOKED NUMBER UP XXXX COLLECTION SEQUOIA FINANCIAL SVCS. I DONT OWE THEM ANYTHING I BELIEVE THIS TO BE FRAUD.
Consumer complaint received 2022-08-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XXXX. On this account I ask them to verify & validate this account with signature. Information according reports dont match after I receive updates and copies of reports. Requested copies of contract with signatures never received along with price of car sold at auction if price included dealer upgrades of leather seats and doors in sales of car. If not the gave away the car at a loss. The balances is XXXX o n and XXXX on another so which is it. Their saying he paid for 3 years on one report then one he paid for almost 4 years and then they sold the car and he still owes XXXX. Is that predatory lending? Are they on the list for predatory lending? If so address XXXXXXXX XXXX XXXX  That was ask to be verified it was handled by a Collection agency and when I sign with them and made a deal we settled for a deletion once I paid them and once I paid them the money through the collection agency they did give me a letter and said that it will be settled in full with the and I have to let I have misplaced that letter and then they say once they put it on my credit it was something else and I cant find that letter now. So XXXX got paid but the collection agency handled this situation. 
XXXX XXXX Reporting charge off when I Volunteer to pay them in a program in which I paid interest and I paid them in full.
Consumer complaint received 2019-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (NJ)

I have been a member of a Citcards since XX/XX/XXXX. The credit card products have changed over the years but I have always maintained my account. Recently, on XX/XX/XXXX, I received notice that Citi was closing my account due to inactivity on XX/XX/XXXX.. I called to stop this and they said there is nothing they can do. It was already closed. I think this as wrong as that closing accounts negatively affects my credit score. Further, they have also locked me out of the ThankYou points account that I have, where I have accumulated XXXX points ( an approximate value of $ XXXX {$60.00} ) Notice about account closure should occur before the account closes not after. While this may no be much to one consumer, the damage that is done over the course of thousands of consumers could mean that there is real money and damage done in the aggregate.
Consumer complaint received 2018-09-10
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Premier Student Loan Center (GA)

I was told that my student loan would be forgiven and that the balance would be forgiven by at least 50 percent. I was told that the 1st 5 payments goes to the company for admin fees and that the {$40.00} a month would go towards my student loans. I found out today that this is untrue and the payments go directly to the company and nothing goes towards my student loans.
Consumer complaint received 2024-02-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A. (IL)

I made a wire deposit and the sending bank confirmed it went through at XXXXXXXX XXXX  however PNC bank never posted the funds by XXXXXXXX XXXX They never gave me my deposited, wired funds on XX/XX/22
Consumer complaint received 2018-09-10
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

My identity was stolen. Someone attempted to get credit in my name through XXXX XXXX. It showed on my credit report. They have not deleted the inquiry.
Consumer complaint received 2019-11-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

XXXX XXXX XXXX XXXX amount {$570.00} was deleted off my credit report due to they wasn't able to provide my bearing signature with a contract
Consumer complaint received 2022-08-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

Ive reported to all 3 bureaus, and all said closed account, now they updated to charge off/collection except XXXX. How is there a balance on an account that was reported closed. Now its saying charge off/collection on 2 reporting agencies. ( XXXX and Equifax ) after XXXX deleted it first! Account was reported closed XX/XX/2021