davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-26
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. (CA)

Somewhere around XXXX 2020 I opened a dispute with Chase regarding a XXXX transaction done through XXXX. After several back and fourth messages with the seller about where my merchandise was, he deleted his account from XXXX. He left me with this charge and no merchandise. Chase sent a letter saying they were looking into it. They understood it was about " Non-receipt of merchandise or service ". They closed the complaint and found it against me. I reopened the complaint faxed them all pertient info, XXXX XXXX tracking number, messages etc. As proof of delivery, the other party provided a XXXX XXXX tracking number, which I never received from him. That XXXX  tracking sheet did not have my name, signature ( it was supposed to be a direct signature required ), not my address. Also, the date of delivery was ten days before the seller said he was shipping the package. Chase used this as proof I got the package. I resubmitted Chase denied again, saying there was no billing error. Stating the charge was valid as I had made it myself. Chase now says no more appeals, too many days have passed. Chase continually refused to look at the evidence. At the end Chase replaced the reason I filed by converting dispute type saying '' there was no billing error and the charge was valid ".
Consumer complaint received 2020-02-09
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY (SC)

I paid off a no interest promotional account with XXXX XXXX/TD Bank account with XXXX XXXX on XX/XX/XXXX. I had to cancel the automatic payment I had set up in order to pay this account off. It would not let me schedule a payment without canceling this. I received a notice that my account was due on XX/XX/XXXX through email notification that I had set up. I checked my account and it showed a XXXX balance. On XX/XX/XXXX they added a deferred interest charge that I was unaware of of around XXXX. When I received a phone call in XX/XX/XXXX I was told that the account had to be paid off by XX/XX/XXXX I believe in order to have not accrued any interest. On XX/XX/XXXX I paid XXXX to pay this account off again. They were refunding a XXXX late fee. In actuality they did refund this and reapplied it to the account the same day without my knowledge plus 1.35 in interest. XX/XX/XXXX they charged a late fee of XXXX plus 1.00 interest, XX/XX/XXXX XXXX late fee plus 1.00 interest and XX/XX/XXXX XXXX late fee which brought my balance back up to XXXX. I spoke with a representative once again, who advised that this was due to the initial late fee being applied back to my account on the same day it was removed and she would take care of this. Two weeks later I received a message again about my past due account. I called back and spoke with an extremely rude representative and once again I paid an outstanding balance of XXXX. Now 8 months later they have reduced the credit limit from XXXX dollars to XXXX and attached a negative notice on our credit report. I will never again use their service but I am requesting that this be removed from our credit report. I had this set up on automatic payments so as to never be late, had to cancel this in order to pay the account off, and then had to actually pay it off on three separate occasions due to what I feel is deceptive policies and procedures.
Consumer complaint received 2020-02-09
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: National Credit Systems,Inc. (FL)

Dear Collection Agency Rep. THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that  you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. Provide me with the following : A copy of the original contract you alleged I signed. An accounting of how payments were applied. The interest that was added along with any ancillary charges. Identify the original creditor. Prove the Statute of Limitations has not expired. Provide verification or copy of a judgement if there is one. Provide licensing information that allows you to collect in my state. Per the FDCPA 1692G,  all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credence Resource Management, LLC (AL)

I have a closed paid acct. On credit report, but it is reported inaccurately. The dates are incorrect as the acct has been sold many times and info has been changed. It was originally opened in XX/XX/XXXX by XXXX   XXXX. Then XXXX XXXX which was deleted. However the DOFD was XX/XX/XXXX. Thats when they started collections for acct. It has since been reported as opened on XX/XX/XXXX and XX/XX/XXXX. I  have made many attempts to gets this matter corrected with no success. It has been paid even though the amounts and dates are not correct and i have requested itemized bill. It was last sold to creedence resource management to whom it was paid and agreed upon to remove, delete and cease all collection activity. Since then CRM has told me the account doesnt even beling to them now and it did when paid. Makes no sense and how can they even report if they dont iwn the debt. They have not done so and i have contacted them, XXXX and XXXX several times in attempt to correct this. They have repeatedly hit my credit causing many drops in credit rating. The only response ive gotten from XXXX and XXXX is verified. This has not been investigated, or corrected.
Consumer complaint received 2022-08-05
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)

In accordance with the fair credit reporting account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my my constitutional rights. Per 15 U.S.C. Section 602 A States I have a right to privacy, and 15 U.S.C. Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without written instructions
Consumer complaint received 2020-02-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capio Partners, LLC (FL)

I checked my credit and saw two accounts from XXXX XXXX XXXX/CAPIO from XXXX XXXX OF XXXX IN THE AMOUNT OF {$380.00} and {$120.00}. Please be advised these debts reported is a VIOLATION of the HIPAA Act of 1996. When I received service from the facility, I made them aware that I was a vagrant and needed financial assistance. 

XXXX XXXX XXXX/CAPIO did NOT provide me with any correspondence about this debt or the right to dispute nor did they request a HIPPA release to release my medical information to them. Therefore, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against XXXX XXXX XXXXCAPIO should this item not be deleted within the required time allowed by law. 

XXXX XXXX XXXX/CAPIO is in direct violation of HIPAA regulations, and are facing fines up to {$1000.00}, even possible jail time. I will seek every legal remedy available to me and file suit against XXXX, XXXX  and XXXX   as well, since they are incorrectly reporting this debt, too. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously as I have no idea where this debt is coming from and I do not owe this company any money
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I cant get a hold of Equifax dispute department after I already had talked to them to open dispute on an account with no Original creditor information and that is reporting a fake phone number so I cant fix the problem if I cant get in touch with creditor and or Equifax. the only name they have reporting is XXXX XXXX. They have also violated the FCRA by not marking account as in dispute.
Consumer complaint received 2020-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation (FL)

The complaint Dept Consumer Financial Protection Bureau My complaint is regarding two companies known as PENN CREDIT CORPORATION AND XXXX XXXX XXXX their contact information is listed below. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same account on my XXXX  credit file. This is not my account and i want it removed from my XXXX  files permanently. 


PENN CREDIT CORPORATIO Original creditor : XXXX XXXX XXXX {$550.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$550.00} {$550.00} Payment Info Original loan amount {$550.00} Balance {$550.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, PAXXXX ( XXXX ) XXXX IDENTITY THEFT COMPLAINT XX/XX/XXXX & XX/XX/XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/XXXX.
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Accounts Service Team Inc. (TX)

On or about XX/XX/2020 FAST Inc. received a request for verification of a debt from me. FAST replied on XX/XX/2020 claiming fraudulently to have confirmed the information. 
The information written on the checks is obviously not mine. Neither the drivers license number nor the date of birth or signature are mine. 

The checks clearly were not written by me and it is obvious that FAST INC has violated the law by continuing to post inaccurate information to my credit file.
Consumer complaint received 2020-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have a closed paid acct. On credit report, but it is reported inaccurately. The dates are incorrect as the acct has been sold many times and info has been changed. It was originally opened in XXXX of XXXX by XXXX XXXXXXXX. Then XXXX XXXX which was deleted. However the DOFD was XXXX XXXX. Thats when they started collections for acct. It has since been reported as opened on XX/XX/XXXX and XXXX of XXXX. I have made many attempts to gets this matter corrected with no success. It has been paid even though the amounts and dates are not correct and i have requested itemized bill. It was last sold to XXXX XXXX XXXX to whom it was paid and agreed upon to remove, delete and cease all collection activity. Since then XXXX has told me the account doesnt even beling to them now and it did when paid. Makes no sense and how can they even report if they dont iwn the debt. They have not done so and i have contacted them, Transunion and XXXX  several times in attempt to correct this. They have repeatedly hit my credit causing many drops in credit rating. The only response ive gotten from TU and XXXX  is verified. This has not been investigated, or corrected.
Consumer complaint received 2023-07-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : 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. 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 2020-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

US DEPT OF EDUCATION/XXXX  .. XX/XX/XXXX = Closed .. Balance = {$0.00} .. Monthly payment = {$0.00} ... Current Payment Status = 120 DAYS LATE ... .. I began serious work on my credit file in XXXX. My first step was to consolidate my student loans. The Dept of Ed happily closed all of my accounts and transferred the balances to a single XXXX XXXX account. After much work, I brought my scores up into the mid and high 600 's by XX/XX/XXXX ... I was preparing for the day my mother passed away and HUD foreclosed on the reverse mortgage, also known as my family 's home. My mother passed on XX/XX/XXXX. Foreclosure was set to began 6 months later ( the first week of XX/XX/XXXX ) ... I wasn't prepared for the amount of points I lost when my mothers accounts were removed from my credit files. I frantically pushed my numbers as fast and as far as I could until late XXXX. I then began the process of purchasing a place for us to live, knowing my options would be limited but time was quickly running out. I finally found a lender that would accept me and just as we were about to sign, during the first week in XXXX, the entry shown above posted at the bureaus ... I lost an average of 63 points and with it any chance of securing the loan I desperately need before HUD lays claim to our home ... I had successfully disputed this account last year. The notation was removed and the status was changed. It reappeared, again. ... This entry has destroyed my life. I see now that it has refreshed at the beginning of the year every year since the account was closed. I have been permanently marked delinquent. Lenders laugh at me ... Reporting an account that has a {$0.00} balance as late is beyond irresponsible in this arena. The bureaus should have questioned this entry automatically instead of blindly letting it stand, so I blame them too.
Consumer complaint received 2020-02-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Social Finance, Inc. (MI)

I contacted SOFI for a personal loan. Personally, I have " excellent '' level credit as defined by the Credit Bureaus. I intended to use the loan for home improvement and personal expenses. I have a XXXX  degree and a history of ZERO missed payments on anything during my lifetime. 
I was pre-approved by SOFI and sent an email to that effect. 

During a call with an incredibly off-putting customer service agent, she ostensibly became confused and marked my intended use of the loan during the application process as " business purposes '' which was entirely and absolutely false. My application, due to this incorrect mark, was summarily denied despite all other factors meeting or exceeding SOFIs requirements. I called customer service and explained after the first denial that the loan was indeed SOLELY for PERSONAL purposes. I spoke to a " XXXX '' who encouraged me to immediately re-apply. I did so. Again, I was denied as a result of that incorrect note by the confused service agent of before. I spoke to a service manager again today who essentially explained that since she made that mark there was nothing they could do. This institution left a hard inquiry on my otherwise IMMACULATE credit report which now is useless because the loan was denied due to the poor service and mistakes of one agent. I strongly dissuade anyone considering a loan through SOFI as my experience was one consisting of confusion on their end, poor service, lack of due diligence on behalf of SOFI management, and borderline illegitimate business practices. 

I have as a result resorted to reporting SOFI to the Consumer Financial Protection Bureau.
Consumer complaint received 2020-02-08
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (TX)

I noticed an account placed on my credit by this company and took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the company did remove the account from my credit in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ). Ironically they placed it right back which affected my score immensely. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!
Consumer complaint received 2020-02-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Synovus Bank (TX)

First Progress closed my account and didn't even alert me that theyre closing the account. I would like an explanation of why my account was closed but yet I still have access to my online account and was able to setup and make payments but according to my credit reports it closed.
Consumer complaint received 2020-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (LA)

Experian should not be reporting that I am ( 60 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. XXXX  and XXXX  are reporting correctly. Please keep in mind that it would be impossible to be late on an account with a XXXX  dollar balance. This false reporting of late as well as a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2020-02-07
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio recovery has called my place of employment multiple times, in XX/XX/XXXXI kindly asked them to please stop calling my work because I am not allowed to take personal phone calls on work time. Of course, Portfolio has continued to call despite that request! My boss XXXX near fired me because they keep calling, it took me hours to explain that I did not ask them to call! I've never felt the need to complain until now, but this is ridiculous! Stop with the absurdities and enforce my rights!
Consumer complaint received 2020-02-07
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: ENOVA INTERNATIONAL, INC. (GA)

XXXX XXXX I called in to make a payment on the loan I waited 20 minutes the first time then someone hung up. I called back a XXXX answered the phone I told her I wanted to make a payment over the phone on my account she said for and then hung up the phone. The voice mail comes on and say I have to wait another 11-16 minutes. My payment is due today and this company is preventing me from making a payment.
Consumer complaint received 2019-06-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Debt Recovery Solutions, LLC (GA)

Debt Recovery Solution is reporting a negative item of collection amount of {$99.00} on my XXXX and XXXX credit reports. Date reported opened XX/XX/2018. 

THIS WAS A URGENT CARE VISIT AND THE HOSPITAL NEVER SENT TO MY INSURANCE, WHICH COVERED THE VISIT/SERVICE. 

Debt Recovery Solutions is reporting on my XXXX and XXXX ) credit reports without every notifying me of this debt. My insurance company informed me that the payment was made to XXXX XXXX XXXX and there is not balance outstanding. 

This is inaccurate collection on my credit report is adversely affecting my life ... I have been denied employment, credit from credit cards and mortgage loans, leading to my divorce and extreme medical issues from the stress. 

Please help!