davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

On XX/XX/2018 I received an alert from my credit monitoring service that a collection was placed on my credit reports from a company called XXXX XXXX XXXX. I called and spoke to a customer service agent then I asked to speak with a supervisor. I spoke with a young lady by the name of XXXX XXXX. I explained to her that her company placed a collection on my reports that they alleged was placed with their company by XXXX XXXX. In order for the rep to look up my account she asked my name and SSC number. I told her that I would give her my name and last 4. I asked the rep what address they had. She said they had a XXXX XXXX address in XXXX SC I explained to the rep that her company claims this debt was placed with their agency on XX/XX/2018. I told her that I know the company was being deceitful because I was still disputing this fraudulent account with XXXX XXXX and the account was finally removed from my reports on XX/XX/2018, so XXXX could the account be placed with them in XX/XX/XXXX when XXXX still had it in XX/XX/XXXX and was communicating back and forth with me regarding the account, until it was finally removed due to fraud. I called XXXX and explained all this and they in turn informed me they did not place the account with anyone due to fraud and advised me to file a complaint and dispute the accounts with the credit bureaus. I informed them the address they have I have never lived at. I have never heard of this company, I never received any type of communication stating they were placing this fraudulent account on my reports. I may also sue this company for defamation and smearing my credit. This company is using illegal tactics to get consumers to pay collections that they can not validate and do not own
Consumer complaint received 2022-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma (NY)

Im gon na say around XXXX to XXXX I saw a lot of pre-approvals on credit karma at first I didnt pay it no attention but credit karma kept sending me all sorts of different preapprovals telling me that I was pre-approved for credit cards, personal loans, personal loans and that I can refinance my car. Every day I would see these offers every time I log in to check my credit scores, so after a few months of being told that I was preapproved. I thought I was now in the perfect place to apply. I got so many offers through credit karma, I started telling my whole family about vacations and investments. We were going to use these pre-approvals for. So I applied on or around sometime in XXXX and I got denied for XXXX credit cards credit cards and a personal loan I was distraught I was XXXX very angry and I felt deceived. I was marketed to for months, so credit karma told me that I was preapproved, this was a lie. I was severely stressed out, i was in the XXXX. I was nauseous for weeks, I had XXXX so bad I became XXXX and XXXX  skyrocket. Now every time I see preapprovals I immediately close my phone and close my computer. I stop checking my credit as frequently as I should
Consumer complaint received 2022-08-12
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 the following accounts listed below has violated my rights. 

1. XXXX XXXX XXXX XXXX Account # XXXX 2. XXXX Account # XXXX 3. XXXX XXXX Account XXXX XXXX 4. XXXX Account # XXXX 5. XXXX XXXX Bank Account # XXXX 6. XXXX XXXX  XXXX XXXX Account # XXXX 7. XXXXXXXX XXXX XXXX XXXX Account # XXXX 8. XXXX XXXX Bank 15 U.S.C 1681 section 602A 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 2022-08-02
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: Experian Information Solutions Inc. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (OR)

On XXXX a debit from a company named " XXXX XXXX XXXX '' charged my account twice in the amounts of {$120.00} and {$120.00}, then again on XXXX in the amount of {$150.00}. I called Direct Express ( Comerica Bank ) to advise that I did not authorize these charges, and it was probable that my XXXX  son had somehow gotten my debit card number as I take a prescribed XXXX XXXX, and he had broken into my house before and stolen my money, ID 's and bank cards. An inquiry was opened and eventually my funds were returned and a new debit card was issued, which I received a few days. As I was checking my account on XXXX, I noticed there was a new charge from " XXXX XXXX XXXX '' listed on my new debit account in the amount of {$250.00}. I immediately called Direct Express and disputed the charge, again. Again, an investigation was initiated. I have followed up nearly every day since, and have been told a variety of different things I had to do, including faxing a letter, then faxing a completed form sent to me, then told no, those weren't correct. Each time I called I was told something different. I was told I would have my money in late XXXX, then early XXXX, then late XXXX, Then by early XXXX and then that the investigation process was not complete. I have spoken to a 3 different people, including a supervisor who gave different " escalation case numbers '' Most recently, this past week, I was told that the refund was made. After many questions, it was discovered that the refund was put on the old debit card number and that I was told to destroy when I received the new number. In addition, when I called to activate the new debit card number, I was told that the old debit number and the attached account would now be closed, and the new debit card was attached to a new account. They don't know which way is up over there. I have requested that they do a transfer of the fund to my current account. I have not as yet received those funds in my open, current account. I am asking for your help in resolving this matter. I am not attaching any documentation at this time as they already have everything.
Consumer complaint received 2019-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

I was approved for a total XXXX discharge on all of my student loans with the department of educationXXXX and all of my accounts are showing on my credit reports as balance {$0.00}. However, all of the loans are also showing account transferred or no information given. The loans in this state is showing as negatively on my reports because of being late and I was never late as I was issued the total XXXX discharge on XX/XX/2016. Before I was granted this discharge I was on a deferment with a payment of {$0.00} based on my XXXX income. I called every single credit bureau to ask them to remove these accounts because they are showing negatively and they are not valid and they have all been paid/discharged. I was told that I have to get the department of education XXXX to contact the credit bureau 's with the information that should be removed and I called the department of education and I was told that they submitted the updated information and it's up to the credit bureaus. I was advised by a representative of XXXX  to submit a claim to you because I can't dispute them anymore. Please help me to get the credit bureaus to remove these negative accounts from my credit reports.
Consumer complaint received 2021-12-23
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (GA)

Ive reached out multiple times to Wells Fargo bank to ask if their was any assistance program to help during our financial struggles during the pandemic. They told me no, as a husband and breadwinner of a family of 5 I used multiple resources to earn money and or keep my family from starving. Including automatic payment installments etc. I get my income has teamed a hit and made Wells Fargo aware but they continue to charge me {$35.00} on a {$4.00} transaction sometimes. I get it, but they probably have charged me {$2000.00} in if fees for covering not never half that. They have never not got a direct deposit for me that covers my bills every 2 weeks. And they keep taking my child care credit and then refunding it back with the stipulation of recharging me fees at a later date. This is robbery at its best.
Consumer complaint received 2020-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (VA)

My complaint is simply I was unable to be approved for a CHASE FREEDOM Visa Platinum account credit card due the information they were provided in your credit report. 
My refusal was from JPMorgan Chase Bank XXXX XXXX XXXX XXXX XXXX XXXX ref # XXXX ( I can forward a copy ) dated XX/XX/XXXX. 
Their Refusal Stated.. 
DEROGATORY PUBLIC RECORD OR COLLECTION ITEM .... because I have not had a credit card nor have I ever failed to pay any monthly Business, Club or Household Expenses on time during the past 3 years. 
LACK OF RECENT INSTALLMENT LOAN INFORMATION .... because I have paid with auto draft or debit card. My actual Business and Personal Expenses run up to {$10000.00} per month NO RECENT REVOLVING BALANCES ... because my only standard Monthly Expenses like Electric, Utilities, and Private Clubs which {$2.00} to XXXX per month are paid on time or with auto draft. 

In XXXX my 42 year old company closed and I declared bankruptcy due to unfair XXXX competition. I have operated my new company XXXX XXXX with my Debit card and my personal assets ( in the millions ) for the past 3 years because of the information in the credit report. 
First, I would like to see my credit report and I would like to obtain a Credit Card so that I can build my credit history. If necessary I will pay any outstanding balance at the end of each month Will you work with me to rebuild my Credit History.
Consumer complaint received 2021-12-23
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CO)

This has cause a major problem in my life Financially. Ive been working to rebuild credit and this items on my credit report is stopping me to receive a home, loans, and unable to establish a new lines of credit. By FCRA law these negative items on my report should be remove immediately..
Consumer complaint received 2021-12-23
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TransferWise Ltd (OH)

I used the company " wise '' ( previously transferwise ) to get funds from my partner in the XXXX ... after i had these funds for about 2 days wise shut my account down and ive been trying to get my account reinstated and money returned to me for over 14 days. 

the amount is about XXXX USD / XXXX GBP on XX/XX/2021, XXXX AM i was notified of my funds being paused and account closure. 

their team is SO slow i no longer have the patience.
Consumer complaint received 2019-06-22
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. ()

Respected Sir or Madam : I am following up with regards to my earlier complaint ID XXXX which was logged with CFPB. 

The lender insists that for international student the only way to repay is through XXXX. As I alleged in my previous complaint there seems to be a nexus between the two firms where they are forcing students to ONLY use XXXX service which charges not only an exorbitant fees but also is very poor in managing the payment. Unfortunately in absence of any other solution offered through my previous complaint, I had no choice but pay through XXXX. 

However, a payment that XXXX insists was posted on XX/XX/XXXX, ( Please see the attached receipt ) is still not reflecting on the firstmark system. They are insisting on reporting a late payment to the credit bureau when I have made the payment well within the deadline of XX/XX/XXXX ( Please see the threatening language in the attached email from firstmark ). 

This is creating a lot of stress for me and my co-borrower and borders on criminal. We would be highly obliged if you please escalate this matter as it seems Firstmark seems to be taking your powers very lightly. 

Thanks and regards, XXXX
Consumer complaint received 2021-12-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been 60 days!!! When I call to check on each respected document with each bureau ; I an given the " run-around ''. I am being told that they have not received the documents and that I should just simply mail them again. I have since mailed said documents a grand total of 5 times. I, unfortunately, am still given the exact same response. I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and ( additionally ) I demand that ALL items listed on each letter be DELECTED from my reports.
Consumer complaint received 2021-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (CA)

Re : Barclays credit card Back in XX/XX/XXXX after purchasing a new XXXX and paying it off through Barclays, they decided to continue the Acct with a {$2000.00} line of credit. By XXXX of XXXX they increased that amount to {$3700.00}. By XXXX of XXXX they again increased the line to {$6700.00}. By XXXX of XXXX they increased the line to $ XXXX XX/XX/XXXX it was {$9800.00}. It stayed at {$9800.00} for ALL of XXXX and into XXXX. In XXXX of XXXX there was a short payment of {$67.00} and the only late fee EVER was charged and reversed on the same statement. 
In XXXX of XXXX I made a large payment of {$2600.00}. Only to receive a letter on XX/XX/XXXX that my limit was reduced to {$5700.00}! This upset and confused me but I assumed it resulted from the pandemic or something. My limit remained at {$5700.00} until this month when I made yet another {$2000.00} payment. Then today received notice that my credit line had AGAIN been lowered to {$3000.00} now! They keep telling me my amount due is too high relative to my available credit line! Well OF.COURSE IT IS! You keep lowering the line! 
This is unacceptable! There is no valid reason to do this to someone that has been with them since XXXX and has no history of late payments. 
Plus they have run 3 hard inquiries this year when the average is 2. Combine these with my lowered available credit amount and my score has suffered tremendously! 
Not a happy customer.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica (CT)

Well I went over all my financial transactions for the month of XXXX. After I calculated all my financial transactions for XXXX there was {$100.00} unaccounted for. My mother called direct express the makers of the debit card, after my mom spoke to direct express customer service. They gave my mom all the transactions for the month of XXXX. My mother added all the financial transactions for the month of XXXX and she told me that there was {$100.00} missing. So she's been trying to call direct express customer service back about this, but she can't get through, because direct express customer service doesn't answer her calls or mine. They have a voice message saying that they are overwhelmed by all the phone calls. This is the situation I find myself in today. It's my money that's missing, even though the debit card has my mom 's name on it. I receive my social security XXXX benefits on the debit card each month. So far direct express hasn't returned or refunded the {$100.00} back on the debit card. We can't ask why because we can not get through to find out what happened to the money. Remember the transactions still leaves {$100.00} left missing out of my account..after all them have been accounted for.
Consumer complaint received 2022-08-24
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. (FL)

Pursuant to 18 USC 8. I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 B ( 2 ). This company has also no permission to report anything using my info pursuant to 15 USC 1681 ( 4 ) Delete this account : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Management Services, Inc. (TX)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2022-08-24
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (FL)

I went into Navy Federal XXXX Fl location XX/XX/22. I told the teller that I received a check for my business XXXX XXXX XXXX aka XXXX XXXX. I ask the teller is there a way they can run a check to see if its good? I was told no but if I wanted to protect myself from fraud checks, dont put it in my checking account. I was told to deposit it in my savings and leave it there 2 days, if the check is good the funds will be in the savings after 2 days. On XX/XX/22 the funds from the check was still in my account. I paid out {$1800.00} to a property where my business was supposed to do service at. Now comes Monday XX/XX/22 the bank email me that the check was fraudulent. The {$1800.00} was sent from navy Federal to the person that wrote the fraud check. Now my account is over drawn, the lady XXXX XXXX has the {$1800.00} and navy federal is telling me theres nothing they can do. I asked them, how can I protect myself??? Now my money gone and I have to pay back the XXXX and the bank have all of the information where the money went but telling me theres nothing they can help me with. Im out of {$1800.00} and sum more. I was treated very unprofessional and unfairly. I have a lot of money in that bank. They are supposed to the experts, I asked and I still was failed
Consumer complaint received 2022-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (FL)

I still have not been able to get the funds in my PayPal account out of PayPal. It is not day 2 Ive had to report this. I have had assistant call to fix issue once again PayPal has done nothing.
Consumer complaint received 2019-06-21
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACS Education Services (OH)

I ordered my credit reports in XXXX and notices that " ACS-Dept of Ed '' was on there for an amount of {$9700.00} for a " XXXX XXXX '' NOT OWED to ACS. There is no reporting payment history/info, the account number is my SSN # and the status says pays as agreed. There is no date of last payment, payment amount, nothing! I verified with the Department of Education that this is fraudulent because they hold my loans ... all consolidated ... .all on repayment plans and in good standing. ACS is committing fraud and trying to collect money. 

I know this is fraudulent reporting by ACS and I have disputed it with XXXX  because of the other fraudulent accounts ACS is trying to collect money on under different business names. I found accounts with ACS 's address : XXXX XXXX, XXXX, NY XXXX on my reports and they numbers are disconnected. I saw today the lawsuit settlement from New York against ACS this year for fraudulent operations on student loans. 

ACS is reporting debt amounts NOT owed to them and trying to collect on multiple credit reports under different business names but with their address and disconnected numbers. I want this account reported to XXXX  to be REMOVED as it is fraudulent.
Consumer complaint received 2019-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NC)

the account was overpaid and they close account they sent me a check for XXXX for the overpayment and then stop payment after the account was closed they continue to send me bills each month that increase each month and I have not made any charge since the account was closed I have been trying for the last six month for them to correct the problem. On XX/XX/2019 I receive a letter from Walmart/synchrony account was sold to XXXX XXXX XXXX XXXX. 
another letter that XXXX XXXX would be servicing the account