davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Good afternoon, A false, fraudulent and/or incorrect account appears on my credit report. 
This referred account is a Bank of America account number XXXX. 
I have called Bank of America numerous times to attempt to resolve the issue and have disputed the referred account to XXXX credit agency. 
These attempts have been unsuccessful and XXXX   has notified me that I need to speak with a bank representative which, after numerous attempts, has also been unsuccessful. 
Please eliminate this account and notify XXXX, as it has significantly tarnished my credit score and purchasing ability.
Consumer complaint received 2020-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Finance System of Toledo, Inc. (OH)

FINANCE SYSTEMS OF TOLEDO IS ATTEMPTING TO COLLECT MONEY FROM ME FOR AN DEBT FROM XXXX PUBLIC LIBRARY. I RECEIVED A LETTER FROM THEM. THE DEBT WAS PAUD WITH THE LIBRARY WHO CONFIRMED THAT I DONT OWE THEM ANYTHING. FINANCE SYSTEMS SHOULD NOT BE CONTACTING ME REGARDING THIS.
Consumer complaint received 2018-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2018 I called Wellsfargo and paid in full the amount of XXXX wich was the whole amount of the debt owed. They gave me a confirmation number but they havent still reported to the credit bureaus.
Consumer complaint received 2018-02-15
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Consultants of California (CA)

I have contacted the debt collector many times requesting a bill or explanation of the debt in which they are stating that I owe. The just continue to tell me that they are not able to provide this to me. I last spoke to XXXX at collection consultants and she stated they could not provide me anything besides telling me that I owe money to XXXX
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: U.S. BANCORP (MI)

I have tried to call US Bank Relicard on several occasions to close my account/card that was issued by XXXX XXXX XXXX XXXX XXXX XXXX  for child support. I can never speak to someone as the automated system always hangs up on me. I destroyed the card but their fee schedule shows an inactive fee of {$2.00} and I don't want to be charged.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC (PA)

Mariner Finance is reportin a lot of innacurate information on my report which is a clear violation of the FCRA. I have tried to have this account fixed to no avail. 

It is reporting to XXXX and XXXX but a lot of contradicting information there is no way that they that they can validate this debt as it is reporting completely innacurate they are in violation of my rights. 

Account type is reporting as joint for XXXX  and individual for XXXX. XXXX is reporting a monthly payment of {$260.00} and XXXX is reporting {$0.00}. XXXX  is reporting the date opened as XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. XXXX is reporting the last reported date as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. XXXX is reporting date last active as XX/XX/XXXX and XXXX  is reporting XX/XX/XXXX. As you can see
Consumer complaint received 2018-02-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (IN)

About 2 weeks ago ( end of XX/XX/XXXX ). I was behind on payments but was able to make the lowed payments, but was still delinquent due to missed past payments. I was contacted ( received a call ) by a rep from sallie mae after making a payment a few days prior. I was told they have a " 3 pay program '' that could help me get caught back up to make my accounts current. How it works was as long as i make my next 3 payments on time, the account will be brought current and the delinquent payments would be added to the end of the loan. I agreed to enter this program and did the verbal verification over the phone on their recorded line and that was the end of it.

Today, I called them to verify that the payment was still scheduled and verify the amount to be paid. I was able to confirm both, but the new rep proceeded to tell me that I was not actually eligible to be in the " 3 pay program '' and that the payments I scheduled and was told would bring me current, would not. The reasoning I was told was due to already having my payments reduced and I " cant be in 2 programs at the same time '' So my complaint would be, why would they call me to tell me about a program, I agree to the terms and enroll into said program, schedule payments, and not actually be eligible from the very beginning?

The lady on the phone was nice so no issue with her, but she said she would " elevate this to a manager '' and then I was on hold for close to 30 min before I hung up. Aint nobody got time for that.
Consumer complaint received 2019-03-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC. (IN)

My husband and I bought a used SUV in XXXX of XXXX. I never had any problems paying the loan until I lost my job and moved in the spring of XXXX. I worked with Ally Bank to keep the vehicle. I was told that I had to send a certified check in the mail, and when I did it was sent back. Every time I tried to make a payment with ally they would deny the payment or send it back after I was told to send it. They would have me pay through XXXX XXXX, threaten for the vehicle to be taken, long before I was 60 days past due, I was always in contact with ally bank trying to make arrangements to keep the SUV. The car was repo 'd in XXXX of XXXX. I tried to voluntary repossess the car, but it wasn't picked up for over a month while I kept calling Ally. They would never answer my question as to why it wasn't being picked up. When it was picked up it was XXXX and they knocked on every apartment door because I didn't answer right away because I was sleeping.
Consumer complaint received 2018-03-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

When I was with this Company back in XX/XX/2007, I asked them if their was any other programs out their that I could apply for due to the fact that I was just starting to work in a XXXX. Knowing this, the company not once offered me any choices knowing that their was one out their, called a low income based one. Meaning if i worked in a low income based XXXX for 10 years my loans would have been forgiven. I called this company that i'm currently with ( two years now ) and I've been with my current job now going on 10 years this XX/XX/XXXX my loans would be forgiven!! NOW i have to wait ANOTHER 8 years!! i asked the company when this program started, they said in XX/XX/2007. Which is when i started my current job that i have been with for almost 10 years now. When I asked the company if they can go back they said no sorry cant help you at all. Which people like me has to start ALL over. which that is ALOT of time lost and not fair what so ever. I have done my time and service. To tell me I have to start over, Their should be time knocked off and or my loans forgiven I have proof of the time that I have worked here at my XXXX and 10 years of taxes if needed.
Consumer complaint received 2020-07-23
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc (AR)

PayPal Bank allowed our CHARITY 'S Merchant Account ( XXXX ) with a balance of {$74.00} to be hacked and stolen. Law Enforcement has been notified. After MULTIPLE ATTEMPTS to reach out to the bank to close our account and mail us the entire balance that we are LEGALLY ENTITLED TO to our registered business address at : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX # XXXX, XXXX, AR XXXX, they have illegally seized our CHARITY 'S donations and broken federal laws. 

We want the entire balance of {$74.00} mailed to us via Certified Cashier 's Check to the registered business addressed listed above within 14 business days or we will seek Federal Investigations, as well of dozens of consumer complaints publicly displayed, and notifying national television networks.
Consumer complaint received 2020-01-28
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

The report is clearly inaccurate. There are payments after the CO remarks yet only in one credit bureau. Also the dates are reported inconsistently. Please have this deleted. Also several inquiries are pulled without my authorisation.
Consumer complaint received 2021-03-01
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. (NC)

I have been a victim of ID theft THIS IS NOT A DISPUTE. I have notified the 3 credit bureaus numerous times on this crime and they are willfully, knowingly with intent refusing to REMOVE AND PERMANENTLY BLOCK several of these fraudulent accounts in an attempt to cause me damages. They are even allowing the alleged creditor to change the account numbers and dates to keep the fraudulent accounts on my report to cause me damages. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Please see Affidavit of ID Theft for a complete list of all fraudulent accounts associated with this crime. Willful refusal to remove and block is now a violation of several sections of the FDCPA AND FCRA specifically sections 605 ( b ), 615 ( f ) and 623 ( A ) ( 6 ). PLEASE IMMEDIATELY REMOVE AND BLOCK THESE FRAUDULENT ACCOUNTS within 4 days of receipt of this report.
Consumer complaint received 2021-03-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Army and Air Force Exchange Service (VA)

Received bill from Army & Air Force Exchange Service for a balance of {$4800.00}, covering up to XXXX XX/XX/XXXX ( through their XXXX XXXX, XXXX XXXX XXXX ) Paycheck ( weekly ) was garnished XXXX on XX/XX/XXXX by Army & Air Force Exhange Service. No judgements, no notification prior to were given. 

Received notice from U.S. Department of the Treasury XX/XX/XXXX ( dated XX/XX/XXXX ) that a payment of {$4800.00} from our federal tax return was paid, by EFT, to Army & Air Force Exchange Service. 

Called XXXX XXXX XXXX XXXX ( using number listed on IRS notification ) XX/XX/XXXX seeking a payoff letter. Spoke with XXXX XXXX, employee ID XXXX, who informed me that the payment hasnt reflected and the garnishments would continue for 4 to 6 weeks. He further claimed that the ACTUAL balance is {$5700.00}. I have never received a bill for anything more than {$4800.00}. 

XXXX XXXX claimed that they update their systems every Monday ( which would be today, XX/XX/XXXX ). 

XXXX XXXX claimed that an Intent to Garnish was issued XX/XX/XXXX to an old address which he claimed was the only address they have on file. I am not inclined to believe this as we receive regular billing statements at our current address. No yellow sticker, the address is physically printed on the statement. 

They have received {$140.00} more ( between wage garnishment and federal income tax garnishment ) than I was ever billed for and are knowingly going to collect more they are not entitled to.
Consumer complaint received 2023-04-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc. (CA)

I was a tenenent at XXXX XXXX. They rented me a new apartment to me at another location. I was supposed to move in to unit XXXX at my new building but it was not ready so I was asked to take unit XXXX. 

For months after i had been emailing management at XXXX XXXX about my security deposit and received no correspondence with my security deposit for months. 

Landlord tenant law in CA provides 21 days for the landlord to provide final reconciliation or return deposit. I received nothing for months. 

I moved out XX/XX/XXXX and received a bill sometime in XXXX or XXXX of XXXX and i was informed they had beej sending mail to the unit i was supposed to take and they never updated their system. I made many attempts to contact management but they refuse to return my calls. 

Then I received a notification that a collection agency was niw reporting as debt on my credit report. They reported the address inaccurately and i was not given anytime to understand anything about this so called debt because management had an unwillingness to communicate and they provided an incorrect address to the debt collector.
Consumer complaint received 2019-03-19
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: JPMORGAN CHASE & CO. (MS)

Called company to have removed from report/ XX/XX/2017, XX/XX/2017 XX/XX/2017, XX/XX/2017. 
Also have two or three addresses on my report that I never lived at as well.
Consumer complaint received 2022-09-15
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: EQUIFAX, INC. (MS)

In accordance with The Fair Credit Reporting Act the following accounts are violating my consumer rights. I recently looked at my credit report and found multiple inaccuracies and violations. 

XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. US DEPT ED - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights XXXX. BANKRUPTCY - REFERENCE # XXXX has violated my rights XXXX. XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXX - ACCOUNT # XXXX has violated my rights XXXXXXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXXXXXX XXXX XXXX  - ACCOUNT # XXXX has violated my rights XXXX. XXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights XXXX. XXXXXXXX XXXX XXXX - ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Choice Recovery, Inc. (FL)

Hello, I hope this letter finds you well. On XX/XX/2022, a fraudulent collection account was opened in my name in the amount of {$400.00}. The account is currently owned by Choice Recovery & it says the original creditor is XXXX XXXX XXXX. I have not done business with either company. This account is a fraudulent account, and needs to be taken off my credit report. I pay my bills, and I wouldnt let a {$400.00} account go to collections. What is this even for? 

Regards XXXX
Consumer complaint received 2023-04-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (SC)

I would like the remaining funds inside my closed chime account mailed to me by check to the following address : XXXX XXXX XXXX XXXX XXXX Sc XXXX I have over {$1000.00} remaining funds inside my chime account I would like these funds immediately.
Consumer complaint received 2022-05-02
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. (NM)

I am not on this loan but they are still reporting it to the credit bureaus. My licence was suspended at the time so I could not cosign on the loan. The car is in my wife 's name only. I attempted to dispute through the credit bureaus but that has not worked.
Consumer complaint received 2019-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: DISCOVER BANK (MA)

I loss my job XX/XX/XXXX I contacted Discover card saying I am not working and can not keep my payments and being harrass every day with calls and letters and emails.I am. being sued to go to court
Consumer complaint received 2023-01-19
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. (TX)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-12-02
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. (NJ)

I checked my account and there are multiple inquiries I do not recognize XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Equifax Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (FL)

On XX/XX/XXXX I purchased a policy on my car for service in the amount of {$1300.00} for the duration of XXXX miles with Citi thank you preferred credit card. The merchant later did not honor their end of the deal therefore I disputed the charges in XX/XX/XXXX but Citi didn't resolve it claiming that they needed more info which I have no knowledge of and as I offered it for submission, she refused it on the basis she won't open it after 30 days dispute. Again in XX/XX/XXXX I disputed the same company for new issue due to not paying for their service as they promised. Citi for the second time unethically and unprofessionally lied about their dispute when I was told to submit my request in writing as well a copy of the bank statement with the {$1300.00} charges in XX/XX/XXXX, fully knowing that they will not even open dispute but they even went further to the extend of their lies to send me the copy of the bank statement so that I can included in the dispute, fully aware, it will be no dispute for this.It took almost 8 customer service and almost 3 month just to reach out to dispute department after submitting all info on line in a disputed email as requested.Today I checked the statues when I was told again that they can't do it and here is a {$100.00} courtesy ; while transferring me to Citi card extended warranty as they assured me is a better help for me on this matter who in return told me that my issue is a dispute one and again transferred me back to dispute department.The representative then told me that they have refunded me the {$1300.00} permanently and when I asked her but I am not seeing that on my statement because I was on line at the time looking at my bank statement, she assured me that was done the previous day XX/XX/XXXX and will show up on the statement in 24 hours ... ... ..liars flat out lies.Then I requested to speak with a dispute 's manger in which she transferred me to overseas customer service. Up to that point I was super mad with all the games and the run around with their full mouth lies fully knowing they have not even opened a case for dispute. Finally I was again transferred to a manger in USA who let me know that they can't have a dispute and there is no refund on my statement neither Citi extended warranty deal with that .... The whole time I wasted my energy and time while they are fully aware and kept on insulting me with their lies over and over giving me the run around that was no dispute ... ... .I am more complaining about the ethnicity of their conduct which misleads their customer like me and the untrustworthiness of their big fat lies, my financial loss and my emotional stress to deal with all this insults with poor professionalism ... it is chocking to see this coming out of a big company like Citi Bank XXXX
Consumer complaint received 2023-01-19
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. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.