davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

I sold my home in order to pay off my student debt. I had the money from the sale of my home put into a bank account through XXXX so I could easily pay the debt online. When I made the payment through XXXX I could only find one account number online with Navient, the company servicing my loans, so I submitted the full amount for all 6 loans ( 4 for the Department of Education, 2 for Federal Student loans ). Navient took the money and paid of my 2 Federal Student Loans on XX/XX/2018 and set the remaining {$25.00}, XXXX  in my account as a credit! When I found out my Department of Education Loans were not paid and still accruing interest, I called them. Their comment was " The Department of Education does not take wire transfers ''. I explained it was not a wire transfer, but a payment directly from my account, and they told me it was not. I asked them to refund my money and they stated it would have to stay in my account for five more days, until XX/XX/XXXX as their policy was it had to remain there for 15 days after receiving it to make sure it was good. On XX/XX/2018 I went into the Navient website and manually paid each Department of Education loan off separately through the same account and they went through. The Federal Student Loans have been paid in full, shows they are paid in full, but are keeping the {$25000.00} in case it was not good? I explained it did not make sense, but they assured me it would be refunded. I still do not have the money in my account and now it shows a - {$25000.00} reversal on the Navient website, but it has not reached my account. How long are they allowed to keep my money?? I asked them if they would be paying me interest on my money since they have been holding it so long and they replied " We do not pay interest ''. They have had my money for over 20 days and I still haven't received the refund. What is my recourse???
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (PA)

I traveled with a friend to XXXX and XXXX  in late XX/XX/2018 and stayed at an XXXX apartment in XXXX XXXX ( 4 nights booked ) and at an apartment in XXXX, XXXX ( 5 nights booked ), and I paid for the entire expense on my Chase credit card, which carries trip interruption insurance benefits. My friend reimbursed me for half the lodging expense, as we were splitting the cost of lodging 50/50.

Two days into the trip, I received word that my mother had suffered a XXXX and was in XXXX XXXX in a XXXX hospital. I rushed back from XXXX  to XXXX ( where I live ). I used only two nights lodging at XXXX XXXX and none of the lodging in XXXX XXXX.

I reviewed the Guide to Benefits published by Chase for my credit card and qualified under the criteria for a trip interruption claim. I claimed half of my expenses for the unused portion of my lodging ( i.e., I made a claim for half the expenses of two nights ' lodging lost in XXXX and half of 5 nights ' lodging in XXXX ).

Chase Card Benefits denied my claim, stating that because my travel companion used the lodging, I was not entitled to reimbursement of my share of the expenses. They cited a provision in their plan of benefits stating that Chase would " reimburse for the unused non-refundable land, air and/or sea arrangements, '' stating that because someone in my party used the lodging, they could not reimburse my claim.

I was the insured, a qualifying event caused my trip interruption, and my portion of the apartment that i paid for was " unused '' by me, the insured There is nothing in the Chase Guide of Benefits that imposes an additional requirement on me to prove that no one in my travel party used their portion of the shared accommodation. Chase has denied my insurance coverage in bad faith by imposing additional conditions to my making a claim that are not included in their Guide to Benefits.
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (MN)

The collections account and credit inquiries thats currently listed on my XXXX XXXX and Equifax credit report is a fraudulent collections account and credit inquiries : XXXXXXXX XXXX XXXX  XX/XX/XXXX, balance : {$5600.00}, XXXX XXXX, XX/XX/XXXX, XXXX BANK, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX Bank, XX/XX/XXXX XXXX and XXXX XXXX Bank, XX/XX/XXXX XXXX
Consumer complaint received 2022-08-01
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: EQUIFAX, INC. (NC)

This is my 2nd endeavor that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The following items need to be removed as they are fraudulent listed below. 
XXXX XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX A XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance XXXX {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc. (NC)

This morning XX/XX/2018 as i checked my XXXX credit report, i noticed a collection from CREDIT MANAGEMENT LP with an open date of XX/XX/2018. I did not open an account with CREDIT MANAGEMENT LP or any original creditor. The original creditor listed does not provide services in my city or state. 


This Debt was disputed and removed from XXXX  approximately XX/XX/2018, because it did not belong to me and could not be verified or validated. It appears after this debt was removed and deleted by XXXX, the previous collection company XXXX XXXX XXXXXXXX XXXX sold it to another collection company after it could not be validated. 

This in clear violation of the FDCPA which carry 's {$1000.00} fine not including attorney fees.
Consumer complaint received 2022-08-17
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. (GA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.
Consumer complaint received 2018-08-21
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: EQUIFAX, INC. (GA)

Bankruptcy DISMSD/CLSD XXXX I have been informed by the courts that they did not verify this for no bureau. Consequently, litigation may follow if it is not removed immediately ... this is false and inaccurate ... I have never filed Bankruptcy ... You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Please be advised this is against F.C.R.A.  law and is a violation of my rights..
Consumer complaint received 2018-08-21
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 XXXX XXXX {$540.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.
Consumer complaint received 2018-08-21
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)

DBA XXXX XXXX XXXX {$460.00} DBA XXXX XXXX XXXX {$300.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) &  Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. 
The negative marks are inaccurate. There is no contract or valid claimdebt was settled with original creditor I want these accounts removed immediately.
Consumer complaint received 2023-01-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (IL)

Good afternoon! 

I must say I am very frustrated with THESE COMPANIES. I have been trying to get a loan with THEM for years. Even when I had a XXXX to XXXX XXXX XXXX, I could never get loans with you. I have been wondering for many years that maybe it's just me and maybe it's my credit. I have been going years and years with disputing things off my credit and getting my credit as high as ever. I have done everything to try to make my credit manageable, and I have still BEEN turned down for a loan every time. So now we are gon na do things my way! 

Let me inform your company of some Laws protecting consumers. 
12 cfr part 1002 talks about the Equal Credit Opportunity Act. Consumers by law can not be denied credit. By law you all can not deny me credit transactions for any applications. 
Please see the screenshots below I am a CREDIT WORTHY APPLICANT. Individual accounts can not by law deny me credit. This is DISCRIMINATION. I have many adverse action letters even from when my credit was even in the mid XXXX and I was still getting denied. So it makes me think who is responsible for this, the credit bureaus or your company.. 

Please refer to the other screenshot below. Adverse actions are illegal amongst consumers. 
Adverse action : ( ii ) does not include ( I ) information solely as to " transactions '' or experiences between the consumer and the person furnishing the information; or ( II ) information in a consumer report. 

These are transactions that I have applied for for years and I was turned down everytime. This is {$1000.00} per violation if I pursued this towards court. 
This is 15 u.s. 1681m. Please view that as your company has broken this law and has resulted in me being denied for credit over and over. My SSN is my credit card which has been unauthorized by your company, bureaus etc. So you all can make money off my ssn but I can't benefit from credit transactions which are illegal!! Loans, Mortgage, car notes etc are extensions of credit transactions! 
There is civil liability for violation of these laws! Please see 15 usc 1692k. I posted the screenshot below I have been denied credit from you for years and I refuse to be denied again. 
Please forward this to your XXXX or corporate and have them contact me immediately! I want a loan of {$50000.00} or higher. I deserve that amount for all the years of frustration your company has caused me!!! I also want to get some credit cards to improve my credit asap! 

Please don't make me go to higher authorities and take you to court like I may soon do with the credit bureaus. If I take you to court, I have consumer rights attorneys waiting for a case like this. Keep in mind, this is {$1000.00} per violation and I have years worth of denial letters from you so you do the math Thanks! 

XXXX XXXX
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (GA)

accordance with the Fair Credit Reporting act 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (AZ)

i HAD MEDICAID /access I was on PUBLIC ASSISTANCE AND HAD MEDICAID INSURANCE I C SYSTEM Last reported : XX/XX/XXXX {$460.00} Needs Attention Overview You've paid off 0 % of your collection amount. 
Balance {$460.00} Highest Balance {$460.00} Opened XX/XX/XXXX ( 2 yrs, 7 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX See an error? 
DIRECT DISPUTE You already have a dispute in progress. You can open a new dispute when the current one is complete. 

CHECK DISPUTE STATUS Creditor Information I C SYSTEM XXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX ( XXXX ) XXXX
Consumer complaint received 2018-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ray Klein, Inc. (MT)

I received a letter of collection from XXXX XXXX regarding a doctor billing from XX/XX/XXXX from XXXX XXXX XXXX in Washington State. This bill was never billed to my insurance and I had a conversation with this collection agency on XX/XX/XXXX regarding this amount and it was never billed to insurance. They indicated they would send it back to XXXX and not to worry about it. I received another notice with the same bill and now they are adding interest. I DO NOT OWE THIS BILL - IT IS XXXX XXXX XXXX ISSUE THAT THEY DID NOT SUBMITT THIS TO INSURANCE
Consumer complaint received 2022-08-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (FL)

I filed a dispute with Experian on XX/XX/2022 for XXXX XXXX account-XXXX  because the reporting agency did not have my consent to furnish this account on my report. I got the results on this report via their website on XX/XX/2022 the dispute results states that Experians reinvestigation of the dispute I recently submitted is now complete. The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. this is several violations because one the term " investigative consumer report '' according to 15 usc 1681a ( e ) means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. so if this information was " certified accurate '' or specific factual information it should not be on my consumer report. Also I called Experian to find out more about the investigation and I was told that Experian does NOT have any documents from the " creditor '' verifying this account including my consent to furnish this account on my consumer report. I was also told by Experian over the phone that this item could not be deleted only disputed again and that they did NOT need my consent. They also claimed they did NOT have to do an investigation under the FCRA. I was also hung up on several times after being yelled at.
Consumer complaint received 2018-08-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE (CA)

Few month 's ago on my Barclays luxury card statement i discovered they had been charges that was not authorized by me nor anyone else that i know. I immediately contacted Barclays bank and told them that i had opened my statement and noticed there has been charges on my credit card that was not authorized by myself and they asked me if i had lost my card or is it in my possation? i told them i had lost the credit card and do not have it in my possation, and they told me they are closing that particular account and issuing me a new card with a new account number also they told me i am not liable for any unauthorized charges all i need to do file a police report and send them a copy of the police report which i did. to my surprise i had received a letter stating that all charges on the statements are mine and i am liable for it. i immediately contacted Barclays bank again being very upset and i asked to speak to a supervisor and was told there is no supervisor on duty. and i talked to a representative and told them exactly what just happened and they told me that they are going to resubmit the claim. a few weeks later i had received a letter from them that my investigation was complete in my favor. two days later i received a letter that my claim was denied and as the result i am responsible for the unauthorized charges. i was so upset and a friend of mine told me to go online to CFPB and that why i am here now. please help me.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PlusFour, Inc (WA)

I have contacted plusfour , inc about my debt collection. They say none of my identifying information connects me to any of their accounts. That the account reported to credit bureau is of someone with similar name to mine. I have filed multiple disputes with XXXX saying this is not my account and after reviews the result is that account does belong to me.
Consumer complaint received 2018-08-21
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (SD)

I received a letter from Hunter Warfield ( XXXX XXXX ) stating I owed {$520.00} on XX/XX/2018. XXXX # XXXX and Hunter Warfield # XXXX. 
I replied asking for validation of debt and explained that the dishwasher had been returned. I sent the confirmation letter from XXXX stating it had been returned. 
I sent a check in the amount of {$66.00} which would cover the amount in full that I would of owed but Hunter Warfield returned my check. 
I do not owe {$520.00}. I do owe {$66.00} but the are refusing to except that payment.
Consumer complaint received 2022-10-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I was contacted by Portfolio Recovery Associates regarding a XXXX XXXX Account. XX/XX/22 I found that this company is not licensed to collect debt in the state of Illinois. I asked that they cease and desist all actions that have taken : phone calls, emails, and letters but they have not made any changes.
Consumer complaint received 2022-08-23
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: Experian Information Solutions Inc. (PA)

I purchased a new car on XX/XX/22 ; the car dealership 's finance department apply for multiple loans with out my consent. I specifically asked them to only use XXXX XXXX XXXX. I did not authorize XXXX  XXXX  XXXX, XXXX XXXX, or XXXX  XXXX  to pull my credit. 

There are multiple inquiries on my report that I do not recognize XXXX XXXX, XXXX XXXX, and XXXX.
Consumer complaint received 2021-08-03
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY (NY)

I received a statement from TD Bank about a checking account that was opened online with my information. I spoke to the fraud department and stated that I never opened up this account # XXXX and I needed this to be closed ASAP. As of XX/XX/2021 I still continue to receive bank statements and they are being sent to my address. I am extremely frustrated that my name was stolen and the bank has not helped me.
Consumer complaint received 2022-05-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (NY)

I had a checking account for many years with Discover Bank. I recently wanted to use this account to pay off my XXXX XXXX taxes both XXXX and XXXX taxes. 

I had transferred funds into the checking account via XXXX on XX/XX/XXXX. I had deposited a check which Discover Bank stated that it was returned due to an issue with the checks signature. On XX/XX/XXXX Discover Bank closed my checking account due to a business decision and retained the original deposit. 

I had written two ( 2 ) checks from my checking account with Discover Bank : one ( 1 ) check for my federal taxes and one ( 1 ) for the state taxes. 

I took an international trip from XX/XX/XXXX thru XX/XX/XXXX. I had accessed the account a few time to see if the deposited check had cleared. 

When I returned back to the XXXX. I called Discover Bank who informed me that Discover Bank had closed my account as of XX/XX/XXXX due to a business decision with no further information. Discover Bank has also informed me that the deposit funds will not be made available to me until after XXXX XXXX in accordance with their policy. 

Furthermore. I had contacted XXXX to establish another default checking account with another bank. But XXXX informed me that I was prohibited from using XXXX due to fraudulent activity as reported by Discover Bank. XXXX did not provide any further information.