davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: N26 Inc. (NC)

I opened an account at N26 using referral code : XXXX where the sign-up bonus required me spend {$20.00} on the debit card through a POS transaction and receive a {$10.00} bonus. I did the requirement but never received the bonus. I contacted N26 support center, through social media, and email. None of the people were able to find the problem and distribute my bonus. They stopped contacting me and I just want the bonus for the requirement that I have fulfilled.
Consumer complaint received 2022-09-10
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (IL)

PLEASE REMOVE ALL ACCOUNT INFORMATION. ALL ACCOUNT LISTED ARE UNAUTHORIZED. I DID NOT RECEIVE ANY GOODS OR SERVICES FOR ANY OF THE LISTED ACCOUNT REMOVE AS SOON AS POSSIBLE. XXXX XXXX {$590.00}, XXXXL XXXX {$3300.00}, XXXX XXXX {$1800.00}, XXXX XXXX {$2000.00}, XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX {$740.00}, XXXX XXXX {$19000.00}, DEPT OF EDUCATION/ NELN {$90000.00}. REMOVE ALL ACCOUNT. THESE UNAUTHORIZED ACCOUNT IS DAMAGING MY CREDIT. PLEASE REMOVE THESE ACCOUNT FAST PLEASE REMOVE
Consumer complaint received 2018-02-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivables Performance Management, LLC (KY)

A bill that I owe XXXX XXXX XXXX was sold to RPM by XXXX XXXX XXXX. RPM was calling me approximately 10 times a day. I expressed to them that they were calling me while I was at work. yet they continued to call all day. When I talked to them on the phone they told me that if I did not set up a payment plan they were going to turn the bill over to an attorney and report it to the credit agencies. I told them when they expressed this that they violated the Fair Debt Collections Act. The person on the phone told me that he did not know that company.. I had to explain it to them. I asked numerous times for them to send me a paper statement so that I could put it into my bills and get it into my home budget so I could make payments. It took them 2 months to send me a bill. When I called to try and make a payment over the phone they said that they would not accept any payment that was less than {$500.00}. They refused to accept any lesser amounts twice and I was told that if I was to pay any less than that I needed to send a check. As soon as I received the bill I sent a check. They now have reported on my credit report as " Collections ''. I have no other derogatory remarks on my credit report other than from a company that is impossible to work with, I did not even have an address to send a payment to for nearly 2 months.
Consumer complaint received 2020-06-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC. (FL)

I reviewed my credit report and found this company listed I never received an official notice pertaining to this debt. 
I dont any contracts with this company and dont know who they are. 
I sent a dispute letter and still received no response from them. 
Just a update to my credit profile which is still inaccurate
Consumer complaint received 2017-05-31
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Bank of China USA (AZ)

An internet scammer broke into a XXXX XXXX XXXX 's e-mail account and started sending requests to clients for money 'because the lead guide is very sick and needs help with medications. ' The info the scammer provided for the transfers is with the Bank of China in XXXX. I checked through another channel and determined what happened and sent no money, but someone else did - and lost {$2500.00} about a month ago. I called the Bank of China branch in XXXX XXXX and reported it today, asking them to shut down the account, which is based in mainland XXXX. The agent said no can do. You see, BOC is a big company and they could n't possibly figure out who to contact about that. She said it was better to just file a police report. I ask the obvious : Wo n't the cops just call you and ask for the same? She replied 'maybe, but we ca n't help them either. ' Here 's what the scammer sent to me on XX/XX/XXXX after I heard my XXXX guide and his family were sick and asked about their welfare via the compromised email account : " Dear XXXX, Thank you for your kind message and we are happy to hear that XXXX got out of XXXX successfully. And yes i receive the money XXXX sent to my XXXX bank. And am not very OK as i have been very sick since the past month and some of my family members because are very sick and we do n't have enough money to receive medication and i just came back from village yesterday. Things are a very difficult for us now and with a little help from you we can get through it my friend. We really are grateful to every help you have given to us we owe you are lives and me and my family are thanking you. <P/>Any amount you can send to us will go a long way to solving our issues here. <P/>This is my agent XXXX bank account below with XXXX XXXX  details also and i suggest XXXX XXXX will be faster and more easier, but whichever one is easy for you we accept in good fate. see account below. <P/>Beneficiary Address : No XXXX XXXX XXXX XXXX XXXX Account No. : XXXX Beneficiary Bank Name : BANK OF CHINA XXXX XXXX SUB-BRANCH Beneficiary Bank Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Swift Code : XXXX I also suggest you use XXXX XXXX as it is more faster and we can receive on time. see our agent XXXX XXXX
details also. First name : XXXX LAST NAME : XXXX. CITY : XXXX. COUNTRY : XXXX ADDRESS : No XXXX XXXX XXXX XXXX XXXX Awaiting your kind response. my prayers for XXXX to get well and strong XXXX XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX : XXXX, XXXX, XXXX Tel : +XXXX XXXX XXXX Fax : +XXXX XXXX XXXX Cell : +XXXX XXXX XXXX Mail : XXXX???????? XXXX Web : XXXX '' The bank information is the scammers. The other company information is genuine.
Consumer complaint received 2020-04-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

After reviewing the credit report, the XXXX XXXX XXXX Account : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX The Center has a series of derogatory remarks on the credit profile. While receiving treatment, the staff was aware of financial hardship. Documents/Assistance was requested, however, staff failed to comply with information. As time progresses a continuation of treatment, the company insists no assistance is available. According to XXXX, if a patient not insured the institution by right give information for assistance.
Consumer complaint received 2020-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been a victim of identity theft and there were accounts open under my name, I have submitted identity theft report and personal letter to Experian but its been over 2 months and they have not done any useful investigation about it.
Consumer complaint received 2018-05-31
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)

In XX/XX/XXXX, I notified the 3 credit bureaus of fraudulent activities on my credit report and have been ignored. I've complied with what they asked of me. I consulted an Attorney that advised me, if I find a discrepancy and the credit bureaus willfully ignores your request to delete the error, you can recover the greater of your damages or {$2500.00}. My next step in filing for damages.
Consumer complaint received 2021-02-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (OR)

The closing of our refinance with Amerisave happened on Friday, XX/XX/2021. We were supposed to have received payment by Thursday, XX/XX/2021. Amerisave has not paid the " cash to borrower '' or the other bills included in the agreement including the previous bank that the house loan is with. We have called and called and finally the originator service person called us back on Tuesday, XX/XX/2021 telling us that he had called the XXXX XXXX XXXX and they should be contacting us. This originator person ( XXXX XXXX said he would call us before the end of day. 

We have not heard from anyone and I will need to pay all the bills that the mortgage institution should have paid by now so I will not be late. With the way we have been treated, I am concerned about getiting reimbursed for paying the bills. 

The amount owed in cash to us is {$41000.00}. This greatly concerns us and has caused us much emotional strain.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION (CT)

I was a Peoples United Bank customer whose account was transitioned to M & T Bank. On XXXX Peoples United processed two fund transfers ( Bank to Bank ) - one for {$750.00} and another for {$370.00}. These funds still have not been deposited to my Credit Union bank account. Also on XXXX there was another bank to bank transfer initiated from my Credit Union to M & T Bank in the amount of {$750.00}. These funds were withdrawn from my account and not deposited. I can not access {$1800.00} of my money.
Consumer complaint received 2021-02-27
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)

There are XXXX accounts that were opened fraudulently on all three bureau 's. XXXX XXXX. Transunion, XXXX  XXXX  XXXX XXXX, It was opened on XX/XX/XXXX reporting a $ XXXX limit, XXXX XXXX XXXX It was opened on XXXX/XXXX XXXX a {$520.00} limit loan, XXXX XXXX. It was opened on XX/XX/XXXX reporting a {$56.00} balance, I did not open these accounts, I did not sign my name on any of these accounts. I do not know who stole my identity to open these accounts, I previously disputed these accounts with all 3 bureaus, they have refused to take action to remove these XXXX accounts, nor have they provided me with any documentation verifying how they came to the conclusion that these accounts belong to me. They never said what person verified these accounts, they never presented any documents bearing my signature. Fair Credit Act Law states that they must verify, and provide evidence backing how and who verified the accounts. Once again I haven't received any such documents. I also provided a Ftc Identity Theft Report to back my claims.
Consumer complaint received 2020-08-20
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: Experian Information Solutions Inc. (GA)

I decided to get my credit pulled due to a bill I received in the mail. I've never heard from the place before, I suspected identity theft. Surprised there's a few derogatory items that I've never opened in my life. The things listed on my applications are not mine. XXXX  XXXX, DEPTEDXXXX, XXXX, XXXX XXXX XXXX, XXXX, ( Original Creditor : ). I have contacted the FTC and my local police and I am doing this all alone. Please remove these unknown items from my report : XXXX, XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXXE. 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. US SM BUS ADMIN ODA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Collections-I, LLC (MO)

Starting in  XXXX  of    2016  - I have submitte d two letters to the credit bureaus asking them to verify this debt. I have not received ANY FORM OF VERIFICATION. I additionally send this company a letter directly asking for verification of this debt. I RECEIVED NOTHING I do n't know what this is. who they are. where the debt is from before they got it. I am  incredibly frustrated by this entire experience.
Consumer complaint received 2022-09-10
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NV)

On XX/XX/XXXX a XXXX condominium  development company ( XXXX XXXX ) setup a display table in XXXX XXXX, located at XXXX XXXX XXXX XXXX. and was distributing brochures depicting renditions of future condominium development projects in XXXX and selling reservation / contracts. The XXXX XXXX sales representative came to our home the afternoon of XX/XX/XXXX. We were hesitant to buy but the sales rep indicated he was leaving town the next day and there was urgency to sign. The sales rep asked for and received the payment account information as part of the reservation process. Immediately after the sale rep left our home on XX/XX/XXXX, we contacted XXXX XXXX, spoke to the sales rep and cancelled the reservation. He indicated all sales are final and the {$1900.00} will be debited from my USAA checking account and the reservation fee was not refundable. On XX/XX/XXXX I delivered a written request to cancel the transaction- see attached. The XXXX XXXX company has refused to the acknowledge the cancelation request and is ignoring the 3 day right to cancel law. The cancellation email thread is attached for your reference. Scroll down in the email to locate the beginning of the conversation. 

1. The USAA Federal Bank will not reverse the transaction even after receiving legitimate proof of cancellation. 
XXXX. XXXX is the third-party payment transfer company that debited the account on behalf of XXXX XXXX XXXX 
XXXX. XXXX XXXX unlicensed foreign company pressuring people to by real estate and then refusing to follow existing consumer protection laws regarding right to cancel.
Consumer complaint received 2020-07-15
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. (AR)

I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible.
Consumer complaint received 2021-02-20
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. (PA)

You have NOT provided me a copy of ANY original documentation required under Section XXXX ( a ) ( XXXX ) ( A XXXX & XXXX XXXX ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section XXXX ( XXXX ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the XXXX liability and the remedy available to me for negligent noncompliance XXXX XXXX XXXX XXXX if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

XXXX  and Equifax refuses to remove the unauthorized hard inquiries on my reports ... I contacted the creditors ... in turn they said they apologize, and that they should be removed if I did not give consent to them ... I have disputed these inquiries about 3 times to no avail ...
Consumer complaint received 2020-08-19
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. (NE)

XXXX XXXX credit card account opened in my name and used to ship items to address XXXX XXXX XXXX XXXX NE from the information I have been able to gather. I owned my own house and was paying a mortgage at XXXX XXXX XXXX XXXX XXXX ne XXXX when this account was opened and used to buy girls clothes, a vacuum and other misc items I would have had zero use for. My XXXX email account was breached and hacked in 2016 as well as XXXX. I have sent letters and identity theft report documents. I learned that I was a victim of identity theft just here recently by the IRS and Ive been trying to dispute this for years not knowing my rights under FCRA and now they will not remove the inaccurate reporting and negative information about me after receiving information that this account is not a result of me receiving goods or opening this account. Is it possible to get the IP address of where this was opened from? Its not from my house which would further validate this.
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (UT)

The payments that I am being required to pay, I can not currently afford. I have been trying to get an income based payment plan set up for 1.5 years now and the company will not send me the paperwork. This is absolutely ridiculous. I want to get my loans paid off but I can not afford the large payment. I have called them over 8 times over the last year and a half. And every time they say they will send me the paperwork but I've never received it. Every time they place my on forebearance and collect more interest. I have asked if I can fill it out online and they have told me no. I finally logged on and found the paperwork. So they intentionally lied about that just so that I would be accumulating more interest. I just think this is absolutely absurd and thought it should be reported. This is happening to borrowers all over and should not be allowed.
Consumer complaint received 2022-09-10
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. (WA)

In accordance with the Fair Credit Reporting Act ( FCRA ) -- XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX Bankruptcy Ref # XXXX, have violated my consumer rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Sections 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-09-01
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: JPMORGAN CHASE & CO. (MS)

Someone applied for a credit card with Chase Bank in my name. I have been going back and forth for 7-8 months now. I did nto apply for this credit card and I am not using it. Someone must have access to my social number other than me. The person is using the credit card that I never applied for. It is a Chase Bank credit card with {$1000.00} credit limit. XXXX  has been reporting this on my account for 8 months now and I tried to dispute with Chase, but they keep saying that is me. I have perfect payment history and have other credit cards on my report. I would never apply for a credit card with such a low limit.
Consumer complaint received 2020-04-28
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. (CA)

I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED A FRAUDULENT ACCOUNT. THE CHARGES ARE FRAUDULENT, THIS ACCOUNT IS NOT MINE. I HAVE ALSO REACHED OUT TO FAIR TRADE COMMISSION.
Consumer complaint received 2018-02-22
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: EQUIFAX, INC. (FL)

I have tried to dispute this item that continually reports and shows on my credit reports and it does not belong to me. I have never seen this account before and it just mysteriously appeared on my credit showing as a new credit line with a current date. I have contacted all three credit reporting agencies and they have yet to remove this erroneous error from my report. It is listed as XXXX XXXX XXXX   collecting for a company called XXXX XXXX XXXX. I have never even heard of this company and with this derogatory mark sitting on my credit reports, it is inhibiting my chances of purchasing a home because of my score. Please help! 

Original creditor : XXXX XXXX XXXX {$250.00} XX/XX/2017 ( 4 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information
Consumer complaint received 2022-09-10
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/XXXX I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. 
They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. Transunion, XXXX, and XXXX are also in violation of 18 USC 1028A for aggravated Identity Theft for furnishing these alleged public records/XXXX  XXXX Bankruptcy and accounts. 
My credit report is still reporting XXXX XXXX, XXXX XXXX, XXXX  XXXX, and XXXX XXXX XXXX. Please see attached FTC Identity Theft Report. 
On XX/XX/XXXX, I sent Transunion, XXXX, and XXXX a follow up letter to request they remove the above accounts and they did not. This has caused me tremendous anxiety, stress, and financial hardship.