davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (CO)

I first got notification that I had a collection account with Transworld Systems ( TSI ) when it popped up on XXXX XXXX. Prior to that notification I had NO communication at all from the collection company. I have had the same phone number for 15+ years so that couldn't have been their hold up on not calling like all collection agencies do. 
I had also not gotten any word from XXXX ( the original creditor ) that there was a balance due. This account was closed when I was forced to move out of my home in the middle of the COVID pandemic- and was unaware that there was a balance due. 
As soon as I saw the ding on my credit from the agency I tried to call and get the debt cleared up and handled. I called every day for two weeks with no answer from them and kept getting busy signals or the notice that the number could not be completed as dialed. Strange.

Once I was finally able to get ahold of someone there at TSI, they did not want to help me. They would not set up a payment, validate the amount, or tell me why the amount of the collection goes up by {$2.00} every week. I have called multiple times and every time I try to set up payment they hang up on me. I don't know how I am supposed to get this collection off my credit if they won't work with me on it or take the payment? 
Very unprofessional and there are some interesting tactics going on here to ensure that they keep these accounts.
Consumer complaint received 2021-02-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Recently my husband, XXXX XXXX XXXX and myself recently began paying ahead on our Mortgage and now Bank of America wants to take our money and apply to the Principal after we have directed payments to be applied directly to the next outstanding monthly payment. I, XXXX XXXX paid the XXXX Payment in the amount of XXXX online via our online Bank of America Account on XX/XX/XXXX and this payment was to cure the XX/XX/XXXX Payment and after I physically directed the funds to apply to the XXXX payment, BOA applied the payment to Principal and it was approximately 15 days before it was reversed and corrected, the last person I spoke with at BOA informed me that this should not happen again. I informed that person that I somebody should have to contact us if they are unsure about what to do with the payment and was kindly told that they could not do that, it would take too much time and there was not any other place to send the funds, they had to be applied to something. XXXX is XXXX  XXXX and the nearest branch is 35 miles away considering that we no longer have a local branch here in the county that we live in. With that being said, I then proceeded to make the XX/XX/XXXX payment which was paid online via the website on XX/XX/XXXX in the amount of XXXX and there was not any problem, I assumed that the problem in question had been resolved considering that the XX/XX/XXXX payment was now cured with XX/XX/XXXX being the next payment due but on XX/XX/XXXX I made the next payment of {$1100.00} and should have cured the XX/XX/XXXX Payment via online the BOA Website and the next business day, I noticed that the payment once again had been applied to Principal with the XX/XX/XXXX payment still outstanding and once again I have contacted BOA and stressed to them that we once again have directed where the funds were to be applied and I want the payment voided and reentered correctly and was kindly told that it didn't work that way and there was no time frame or limit as to when or how long the request could take. Legally unless they have written directions from us they should not be allowed to process any Mortgage payments to Principal without our permission. This is very Deceptive and I know why they do this due to the interest and we still show that the XX/XX/XXXX Payment is due but we dont have the money to send large amounts just for the Principal Payments, we do send Principal payments but nothing over {$100.00} has ever been mailed to apply to Principal. Now how can you assist us with getting this matter resolved and the payments being applied as if we were not 2 to 3 months ahead? That should be our prerogative how the funds should be applied not BOA 's. 
I have written the bank but have not received any response. We thought that this had been resolved on XX/XX/XXXX.
Consumer complaint received 2022-08-20
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. (FL)

Experian has been allowing a collection agency to report unverified amounts of medical debt four to five times per month for each account they claim I owe since 2015. I have filed disputes and requested Experian perform an investigation into the amounts being reported as the collection agency has repeatedly refused to to provide me with any account statements or documentation regarding the alleged debts. Experian continues to close my disputes stating the collection agency has certified to the amounts owed. They have ignored my disputes regarding each amount being reported four to five times each month and refuse to require the collection agency provide documentation after I have informed Experian that this information is being withheld from me. This has been an on-going issue each month since 2015 and the pervasive, unfounded negative reporting has resulted in derogatory marks on my credit report and my public records.
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (IL)

I received notification from XXXX, XXXX and XXXX that I had incurred a debt from Source Receivables management for a debt recently owned by XXXX XXXX. The debt amount is for {$290.00} and opened on XX/XX/2022. I have submitted paperwork on several occasions explaining to this collection agency that the debt is not mines and I have no knowledge of the account. They company has supposedly verified that the debt is accurate and has produced no proof of the debt belonging to me. According to the FCRA if you dont produce accurate proof of the debt being mines, it must be removed. They have not given proof of signature or any documents harboring my signature to support their claim of verifying its accuracy.
Consumer complaint received 2021-02-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Attempted to remove fraudulent credit inquires from credit report. The inquires don't belong to me and were incorrectly placed on my credit report. Please remove inquires ASAP as these are not mine.
Consumer complaint received 2022-07-29
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)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXXXXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXX XXXX Balance : {$8700.00} XXXX XXXX XXXX XXXX Balance : {$18000.00}
Consumer complaint received 2021-02-24
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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, Someone made a purchase at a store I had never been to with my credit card information in the amount of {$2600.00}. When I discovered the purchase I immediately called the store to see what had been purchased and verified that it was not anything I had ever bought. I then called my credit card company ( Chase ) and informed them of the fraudulent transaction. A Fraud claim was initiated and my account was initially credited back, but several weeks later the sent a letter saying that I had 'benefitted from the transaction ' and the charge was re-applied to my account. I have in no way benefitted from this transaction. The item purchased was an item that I have never purchased. I can prove my whereabouts on that day. The credit card company did not bother to do even a cursory investigation of the facts prior to ruling against me. Instead, they are hoping for inaction on my part to stick me with a charge that I did not make.
Consumer complaint received 2022-12-28
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. (TX)

In accordance with the Fair Credit Reporting act the list of accounts below has violated my federally protected consumers rights to privacy under 15 USC 1681. 
XXXX XXXX XXXX Texas : Docket # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All the above listed has violated my rights. 
Under 15 U.S.C. 1681 s 602 ( a ), I have the right to privacy.

Under 15 U.S.C. 1681 s 604 ( a ) ( 2 ), a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681-s2 ( A ) ( 1 ), A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-02-23
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION (CA)

I am a 34 year member to Navy Federal Credit Union and I am trying to refinance my current NFCU home loan in California in order to take advantage of the historically low rates. Since XX/XX/2020, NFCU has repeatedly processed the wrong type of loan three times causing me to have to reapply for a fourth time. My credit rating score is XXXX, my home has been appraised at {$420000.00} my current mortgage equals {$230000.00}, I am a retired XXXX XXXX XXXX and current XXXX XXXX XXXX worker with over 10 years of service. 
Having said all of that, NFCU keeps revising the loan documents and asking me to re-sign or repeatedly asking me for the same documents over and over seemingly in an attempt to delay the loan processing. Since XXXX I have e-sign to close this loan over XXXX times! It is odd and doesnt seem like NFCU is acting in good faith to close this loan. Just today I was notified that I need to pay for another termite inspection because they have taken longer than the VA required 90 days. This is outrageous. I have called and left a message for the supervisor of mortgage processing, but no one has called me back. NFCU has run my credit 4 times knowing full well that each time that its run it negatively impacts my score. Please assist in what should be a simple process. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-03-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

So I was going to get a puppy and this person and I contacted through XXXX. We made arrangements to get the puppy to me from California and I was supposed to get her this morning however, no contact from the person and now, I have been blocked. I paid {$650.00} and Chase ( my bank ) says that they can't help me.
Consumer complaint received 2022-05-23
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. (NY)

In accordance with the Fair Credit Reporting act XXXX 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-02-15
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: Consumer Adjustment Company Incorporated (NJ)

I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Consumer complaint received 2021-02-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Works & Lentz of Tulsa, Inc. (OK)

Debt was paid at the hospital before the hospital would complete a XXXX procedure on my wife in XX/XX/2019. Works and Lentz continues to harass me and my wife. They have continually called my wife 's place of employment. The caller states that they are a lawyer and will sue us if we don't pay them also. Caller says that we still owe them even if we paid the hospital directly.
Consumer complaint received 2021-02-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (GA)

I recently had my credit pulled and noticed that only 2 of the 3 major credit bureaus were reporting scores for me. XXXX and XXXX had no problem pulling up my accounts however, Experian is not reporting on my credit file. I thought that maybe there was a freeze on it so I gave them a call but they could not find such a thing. I was very confused because no one could tell me what was going on. Experian needs to report my accounts! I am in the middle of trying to buy a home and for the life of me I can not get anyone with Experian to give me any answers. My scores must report immediately, I have accounts open that should be reporting and they must provide me with a score.
Consumer complaint received 2022-07-29
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Consumer complaint received 2021-02-24
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

The issue is that the XXXX and I have requested over and over the payment history for the yearXX/XX/XXXXand they do not deliver the required documentation so that the gap company can pay, in the mean time they keep hitting me with late fees and calling me sometimes 2 to 3 times a day. They have also reported me to the credit bureau.
Consumer complaint received 2021-02-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Andreu, Palma & Andreu, PL (FL)

I spoke with many people at Andreu, Palma, Lavin & Solis, LLC regarding a wage garnishment issue. Once that was taken care of I was informed of another file they have for me. The file is for a judgement from XX/XX/XXXX. In XX/XX/XXXX, my bank account was frozen and I had it unfrozen because I was living alone raising a child. I was very naive at the time under the impression I would be notified at a later date to resolve the issue with the debtor. Well over the years, 17 years to be exact I had forgotten all about it since I was never contacted. Now in XX/XX/XXXX, I am being informed by Andreu, Palma, Lavin & Solis, LLC I owe over {$14000.00} on this judgement from XX/XX/XXXXand the only way I found out was because I was calling about another issue. The I was asked if the my contact number was still the same and I was provided a number that I have not had the use of since the year XX/XX/XXXX. I want proof that there was an attempt to contact me over the past 17 years. I find it unreal that a company has held onto this debt and has charged me interest daily for all this time but couldn't locate me to try to collect the money. Also, I asked to try to resolve this issue and was told the client will only accept a lump sum amount. There has to be a way to have proof that there has been an attempt to locate me and a reason why I can't try to make this right after 17 years. I know I owe the money, but I feel as if they are just trying to break me after all these years of no contact by demanding a lump sum payment to clear it.
Consumer complaint received 2021-02-24
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Newman, Hesse & Associates, P. A. (KS)

I received a letter from a law firm informing me that they were going to garnish my wages for a debt they say is from 2006. I have never seen this debt on any of my credit reports nor have I ever been previously notified of it. They also addressed this letter to my name and another name ( similar to mine, as an AKA, but never a name I have used or had ). Upon contacting the court that this is going through, they informed me that it is a legit case and said that they were trying to take over {$1000.00} from me. I have never had a debt that large in my lifetime.
Consumer complaint received 2021-03-31
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. (NC)

I have filed a disput in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-31
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 (NY)

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''