davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc. (WA)

I recently recieved a letter from a company called Convergent Outsourcing INC on the XX/XX/XXXX stating that I owe {$880.00} to XXXX XXXX   from XX/XX/XXXX. I was XXXX  in XXXX XXXX  at the time and 18 years in the military later now I get a letter for some odd reason and nothing from XXXX XXXX is on my credit report as being delinquent for 18years!!!. I called Convergent and they gave me some bougus info. Please SHUT CONVERGENT DOWN ITS ALL A SCAM!!
Consumer complaint received 2016-12-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MI)

I am continuously being called about a debt that I do not recognize. I have asked the company to provide a proof, they mention that they will send it out however I did not receive it. And the calls continue to be made and they claim that they will send out the information. 

This is becoming quite irritating.
Consumer complaint received 2024-03-13
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (MI)

Bought Vanilla Gift Card from XXXX in XXXX of XXXX. Card was locked. Finally had card unlocked and it had been used at a XXXX XXXXXXXX store. I reported this and they locked card and said they would investigate. Contacted them today on XX/XX/XXXX. They said case close because I didnt provide documentation. Card is still unavailable to be used. I paid {$500.00} and unable to use.
Consumer complaint received 2020-10-20
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. (OH)

After looking over my credit report, I noticed two 30-day late payments that were supposed to be removed from my mortgage account with XXXX XXXX XXXX # XXXX. The dates are XX/XX/2020 & XX/XX/2020. My income was affected due to the COVID-19 Pandemic SHUTDOWN. This late mark is preventing me from many potential opportunities. There are certain laws put in place to protect everyone for unforeseeable events such as the current national disaster. I was under the COVID-19 SHUTDOWN. The CARES Act calls these agreements accommodations.
Consumer complaint received 2020-09-11
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. (GA)

I HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.
Consumer complaint received 2017-05-25
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: Colony Brands, Inc. (OH)

I sent several letters starting  XXXX   XXXX ,  2017  asking company to please verify that this account belongs to me. I asked them to send me verification in the form of my signature on any forms that I was told that made this account mine.     I received a letter back were company called my request frivolous and refused to cooperate.
Consumer complaint received 2017-05-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

After pulling credit with a mortgage lender to buy a home we viewed a collection account from Portfolio Recovery for {$970.00} ( Reported by XXXX ). This account was a charged off by XXXX XXXX. ( Reported by XXXX ) meaning it was a tax write off for XXXX. I am disputing this account with XXXX to have Portfolio Recovery remove this trade line. XXXX is " double dipping '' by getting a {$970.00} tax write off then selling the debt to Portfolio Recovery for a profit. I would like Portfolio Recovery to remove this trade line. Consumers are being over charged for debt they do not owe. An investigation of these accounts regarding amounts owed need to be analyzed.
Consumer complaint received 2023-08-12
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. (TX)

Someone has used my information to open fraudulent accounts. I have taken legal action against all parties. I have been advised to take the legal actions against two of the Credit Bureaus, Equifax & XXXX, for reporting inaccurate and fraudulent information and accounts. The Account is XXXX XXXX, Account # XXXX, Balance is {$750.00}, & Date Opened is XXXX XXXX, 2018. This account was opened fraudulently in my name. According to the creditor, the account was opened XX/XX/2018. I was XXXX  during that time. I would have been able to open this account and I did not give anyone permission to do so. I have provided documentation supporting this. I demand this account be removed immediately.
Consumer complaint received 2016-07-05
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMERICAN EXPRESS COMPANY (CA)

AMERICAN EXPRESS ACCOUNT # XXXX ADDRESS IDENTIFICATION # XXXX American Express has used illegal tactics by continuing to write-down small amounts to assure recent activity continues to keep debt current, when the account goes back MORE THAN SEVEN YEARS. ALL XXXX REPORTING SERVICES ARE IMPACTED.
Consumer complaint received 2015-07-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Payoff was made by bank in XXXX 2011. Original creditor did not credit to account until XXXX 2011, and assessed back interest and fees. Debt collection agency has been sent documentation on two different occasions and has just now sent statements- over a year after contact. This debt has been paid, and needs to be reflected as such.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 2022-02-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I was incarcerated for fifteen years in federal prison in federal custody till 2018 and there are several accounts that were opened in my name where someone was living under my identity while I was incarcerated, as I disputed these items after I got out of federal custody in 2018 and showed the credit bureau 's proof that there is no way I could have opened these accounts they still refuse to remove them. After this I went to a lawyer and they told me for XXXX XXXX dollars they could file bankruptcy and that would take them off my credit report, but none of this was true, and now after bankruptcy XXXX now have these accounts still active and opened and reports are being reported of late payments when even after bankruptcy that should not even be happening. there are a total of like eight accounts that were opened under my name I did not open and these accounts were open while under federal custody and opened with a address that does not relate to me and a out of state address a address I never lived at. But please be aware that after I disputed these accounts with my address the credit bureaus now attached my address to the accounts using that as reason to not remove these accounts from my credit file
Consumer complaint received 2020-09-11
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. (GA)

I HAVE THESE ACCOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I AM A VICTIM OF IDENTITY THEFT. THIS ISNT FAIR FOR THESE ACCOUNTS TO BE ON MY CREDIT REPORT WHEN I NEVER OPENED OR AUTHORIZED ANY OF THESE ACCOUTNS.
Consumer complaint received 2016-11-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

A couple years after I noticed a credit card on my credit report that I never signed for. In the last 3 months I 've disputed this account multiple times and can provide certified copies if needed and nothing has happened. I just keep getting " verified new information below ''. I found your site from a friend that had similar experiences with the credit bureaus. I want this item off of my credit reports immediately. They are seriously affecting my credit score.
Consumer complaint received 2016-02-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (NM)

Last week the XXXX show me my credit report and credit score that is lowthe main reason is they cant confirm my identitybut when i log in the experian website to get my credit reportit shows they were unable to honor my requestso if i cant get my credit report how can the XXXX get my credit reportand i want to know how to get my credit report thanks for helping
Consumer complaint received 2022-02-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stuart-Lippman and Associates, Inc (OH)

I received a letter in the mail from Stuart-Lippman and associates inc. on XX/XX/2021 stating that I some how owe XXXX XXXX {$1400.00} from XX/XX/XXXX XXXX which is not true seeing how I never owned a car let alone car insurance, I don't even have a license. What they are trying to collect is fraudulent and I refuse to pay for something that I don't have and never purchased.
Consumer complaint received 2020-06-02
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: FISERV INC. (KY)

Please see the attached imaces i have attached as proof. Please ask Telechek to get my information correct before i file fraud charges against them. I have asked them 4 times allready. The info is as follows : Business account name : XXXX XXXX XXXX XXXX account address : XXXX XXXX XXXX XXXX, KY XXXX Business phone number : ( XXXX ) XXXX
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (GA)

I put something into dispute. I received an e-mail telling me to look at the Chase message center for the charge card because they needed more information. I supplied the information via Chase message center. I have contacted them several times to ask if my dispute was completed and I did not hear back from them. I contacted them today and I was informed that they had asked for more information and that I had not supplied it. I told them that I had not received an e-mail from them stating that they needed more information or an e-mail telling me to look in my Chase messages. I was informed that they may have only mailed the papers requesting more information or that their Chase message system may of had a problem or been down when they tried to send the message. I asked if they could verify that the Chase message center was up and working and they said it was internal and that they could not verify it for me or let me know the outcome of what they discover???? The way I understand it is they are telling me that because the Chase messaging was down this is my problem and my dispute was declined for this reason. I also understand that this means that if their paperless service is not reliable I will be held responsible.I signed up for their paperless service but that it is not reliable and if it has problems then I am the one who will be paying for their system failure in the end. I spent XXXX hours on the phone with them trying to straighten this out and I was prepared to spend the entire day tomorrow on the phone as well but I got lucky and got a customer service rep named Author who listened and said he understood my problems. I am concerned that an " Author '' may not be available to everybody ( it took me XXXX tries to get him ) and that due to Chases failure to keep their computer systems online and reliable other people may also be held responsible for their system failures. I think this needs to be investigated. In my opinion this is almost fraud when they tell you to sign up for paperless messaging and then they hold the customer financially responsible for the failure of their systems.
Consumer complaint received 2022-02-15
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: PNC Bank N.A. (TX)

Compass Bank which changed over there name to BBVA USA Consumer Accounts. There were two personal accounts. Which were called CD they were purchased at different times. The teller who did the accounts never posted the second account correctly. And the second account is now lost or stolen by PNC Bank N.A.Consumer Account.BBVA USA Consumer Account defrauded myself and someone else by transition To PNC Bank. N.A Consumer Accounts. And there stating never been found or it has been a mistake on my part.
Consumer complaint received 2019-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CT)

my son and my daughter are willing to take full responsibility to pay their student loans. 
but yet the collection is agency is bullying and harassment me to pay for these student loans even though I co-signed the parent plus loan. my understanding is that if they are willing to pay, since they are adults and why are they not granted this opportunity to do so. additionally I am requesting an itemized bill on the loan amount for the tuition, how much has been paid and how much is remaining. since the XXXX college went out of business I could not get a live person to speak with regarding this critical matter leaving me very devastated and high stressed. the collection agency threatening to garnish my salary. my 2017 tax return was seized by XXXX  loan company. thank you for your assistance regarding this matter
Consumer complaint received 2016-05-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (IL)

Experian fails to remove the XXXX XXXX account. Experian reports incorrectly that this account Terms are Revolving. Experian reports incorrectly that this account balance is {$18000.00}. Experian reports incorrectly that this account is past due {$18000.00}. Experian reports incorrectly this account Credit Limit is currently {$15000.00}. Experian reports incorrectly that this account is over it 's Credit Limit. Experian reports incorrectly this account 's date of first delinquency .Experian reports incorrectly that I must bring this account current even though I received a XXXX Cancellation of Debt from XXXX . Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.
Consumer complaint received 2022-02-15
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. (TX)

Please remove these fraudulent accounts listed in the dispute letters attached. I sent this company my dispute stating these accounts were fraudulent. It is XX/XX/2022 and the accounts are still showing on my credit report. THAT IS ILLEGAL UNDER FCRA 605B LAW. you are criminally & civilly liable.
Consumer complaint received 2016-05-02
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (WA)

I had recurring loads set up on my prepaid card account. 

On XXXX XXXX, I had a scheduled load for {$200.00}. I went to a restaurant and left a tip. 

I came home to find an email informing me that the ability to load my account had been terminated for no apparent reason ( the customer service reps refuse to tell me why either ). The {$200.00} scheduled load did not go through. 

The amount in the account was enough to cover my meal, but when the tip posted it left my account with a - {$2.00} balance. 

Since XXXX XXXX, I have attempted to pay the - {$2.00} balance multiple times including multiple phone conversations. Serve will not allow me to load my account but consistently sends me warning emails that my account has a negative balance. 

I want to be able to pay them their {$2.00}, but they wo n't let me.
Consumer complaint received 2020-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP (NH)

i received an offer from us bank for a debit card that i did not order, request or desire. 
all attempts to call the company require me to activate the card or provide other information such as social security numbers. Although provided my social security number I did not provide any more information. 
I believe this may be a fraudulent offer as there is no information such as a cover letter summarizing this offer. it merely states to call to activate and funds will be allocated. 
I want this action stopped immediately for fear of possible identity theft.
Consumer complaint received 2016-08-23
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (DC)

Amex violated XXXX I applied for an American Express because I saw an offer for obtaining XXXX bonus points for signing up for an American Express card. I was approved for the card, but only receive XXXX points. I contacted Amex customer service soon after my account showed only XXXX points and told them that I had a screen shot of the offer that I clicked to apply for the card. I sent the screen shot to Amex and they opened a case for me. I waited about one month and did not get any updates or status on the complaint. I contacted Amex through their live chat option and was told the case was closed. I asked them why and they did not provide a reason other than the offer I clicked on was for XXXX bonus points. I explained to this rep that I sent proof of the offer. The rep then stated that she would have the case re-opened for review and that someone would get back to me. Again, no one contacted me, so I contacted Amex through live chat. Basically, the customer service reps on live chat do not provide me a reason why I did not get the XXXX points even after I sent proof of the screen shot of the Amex offer that awarded XXXX. 

I thought Amex had a reputation for great customer service. What I learned from this experience is that Amex uses a bait and switch tactic to entice customer to apply for their cards to get a certain number of bonus points and do not actually provide those points. How can a mega-company like Amex get away with this? I 've read online that Amex as been cutting costs, especially the customer service area, but they have cut costs to business practices online to avoid following the federal unfair, deceptive and abusive acts an practices. Please help. [ note that I 'm assuming that the XXXX points that Amex deceitfully withheld from me is worth about {$200.00} ]
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MS)

I signed up for an American Express Platinum card with a XXXX Membership Rewards bonus after completing {$3000.00} in spending over the first three month. I completed the spend requirements and was awarded the bonus on XX/XX/XXXX, but the bonus was taken back on XX/XX/XXXX. No one at American Express will tell me why the bonus was was taken back. I feel as this is a bait-and-switch tactic.
Consumer complaint received 2022-09-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services (OR)

On Saturday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a Pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid over {$1300.00} in payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX  are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart. 

This is inexcusable. EdFi wants to keep their money and run. Give us our refunds and reinstate our balance.
Consumer complaint received 2023-04-14
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. (TX)

The account is reporting negative information on my credit report. The account is reporting voluntary surrender which is incorrect information. Nobody at XXXX XXXX can seem to help or get back in touch with me to correct this issue.. This is the worst financial lender I ever dealt with.