davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OH)

I have noticed that when I make payments, Chase withholds some of the money from my available credit, making that withheld amount unavailable to me. 

In this situation, as of today XX/XX/2019, I have a {$34.00} credit to my account, meaning I should have {$430.00} in available credit, less any pending charges. I have {$98.00} in pending charges.. As a result, I should have {$330.00} in available credit. 

But I don't. I only have {$300.00} in available credit - when contacted to find out why, Chase states that my last payment of {$66.00} had not posted to the account ... but in fact their online banking website for my account shows this payment posted XX/XX/19 - yesterday. When I tried to explain that I needed to pay a bill with the full {$330.00} that I rightfully should have -- I was told that I'd have to wait 3-7 more days to speak with someone about it, and was hung up on by XXXX XXXX of XXXX XXXX when I tried to understand why there was a descrepancy with what I should have in available credit, and what they are allowing me.
Consumer complaint received 2020-05-08
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (MN)

I received several collection calls from sallie mae regarding the debt owed from the private loans. The time frame was from XXXX. They would call me XXXX times a day asking me to pay back the loan. I would say I did not have the money and they would tell me to ask my parents. I tried to plead hardship because I was dealing with mental health issues and they would just persist even until I cried. I asked them if we could do a payment plan and all they would offer is a forbearance. And the condition was always to pay XXXX or more. They did not explain in detail what it was just that it would hold my position of loan as current. I was not making enough to support myself let alone pay a loan. I had to change my phone number several times. They would call me and every time just make me feel bad for not having it. Then it was sold to navient and from XXXX they attempted to collect by sending several letters and even emailing me in XXXX & XXXX.
Consumer complaint received 2020-05-08
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. (AR)

I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report XXXX/XXXX   XXXX {$4300.00} XXXX  XXXX XXXX {$1800.00} XXXX  XXXX {$3000.00} XXXX  XXXX XXXX {$11000.00}
Consumer complaint received 2020-05-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FirstPoint Collection Resources (NC)

I waas first contacted by FirstPoint Resources via phone in XX/XX/XXXX. They told me it was an attempt to collect a debt for XXXX XXXX. I asked what it was in reference to and they said a ( XXXX  XXXX ). I have never had a XXXX done so i asked they provide supporting documentation of what they were referring to. 
On XXXX - they sent me a secure message with a ledger from XXXX XXXX showing my name as the patient for a XXXX   XXXX XXXX on XX/XX/XXXX. 
Again, I have never had a XXXX  XXXX  so I contacted XXXX XXXX and they stated that they did generate the ledge but would not know any more and I would need to contact the hospital who would be responsible for any billing. I have no idea who to contact or how my name is listed as Patient. My main concern is having any damage to my credit, but also that this agency is trying to collect money that is not owed.
Consumer complaint received 2020-05-08
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: Global Lending Services LLC (TX)

I received a letter in the mail from this company stating that I was denied for credit. I never applied for credit with this company. I mailed them requesting documentation proving that I did. The mail was returned. 

I disputed with the credit reporting agency and I received a letter from the company stating that it was in connection with an application for credit. I asked to receive that document with my original wet signature. I received nothing from them. This is against the credit reporting acts.
Consumer complaint received 2020-05-08
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: United Collection Bureau, Inc. (PA)

I received two calls from the company and they left two vague voicemails. I called back and provided the reference number they gave me via voicemail. The rep would not tell me any more information unless I gave them more information. I let them know I am not comfortable giving information when they did not tell me in voicemail or when I called whom they are looking for and why. I asked them I would be reporting this as it was potential phishing for personal information under false pretense.
Consumer complaint received 2020-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

Today, XX/XX/2020, I received an alert from both XXXX and XXXX XXXX that Experian had processed a inquiry from XXXX XXXX  into my credit history yesterday, XX/XX/2020. I have never done any kind of business with XXXX XXXX, so I decided to contact Experian to tell them that this inquiry was not authorized by me. Furthermore, Experian already has an active freeze in place on my credit report, so they shouldn't be responding to such an inquiry in the first place. I was unable to get anyone from Experian on the phone. Their automated telephone system asked me to visit their website to place a fraud alert on my credit report, which I did. I made three attempts to activate a fraud alert using their web form. All three times, I filled out the form completely and accurately, but all three times, all I received was the response, " We were unable to honor your request. If you entered your credit card information, we did not charge you. '' As of right now, my credit report still does not have a fraud alert, and I have absolutely no assurance that the credit freeze in place on my Experian report is doing anything to protect me, since they clearly responded to an inquiry in spite of the freeze. This is absolutely unacceptable, infuriating and illegal. An organization that is responsible for the privacy of information of millions of people must be held to a higher standard. Experian should be ashamed of themselves, and heavily punished.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4300.00}, {$830.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS -- 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$830.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Consumer complaint received 2020-05-08
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC (NV)

The last representative from this debt collection office referred to me as " him and his '' in her response to you, consumer finance. If she did her investigation properly she would know that I am a woman and not a man. These representatives keep stating they welcome me to call but when I do, they do not try to work out an arrangement to get this settled. I was in a payment arrangement and due to me being on XXXX, my income is very limited. I had ONE payment that did not go through because I did not get paid from California XXXX. I had to have my XXXX  send in the necessary paperwork to extend my XXXX due to that I am XXXX XXXX XXXX XXXX. That took about a month ... XX/XX/2019, before I started receiving money again. I told the debt collection representative that I would call and get the payments back on schedule once I get paid. However, they turned my account into the 3 credit bureaus without giving me any warning or chances to keep this from happening. The did this XX/XX/2019. They hastily did this to damage my credit and force me to pay an amount I do not owe. Every representative that has responded, their statements are not accurate.
Consumer complaint received 2020-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I have been more than proactive in discussing options for my mortgage with the company. I was advised several times that my loan was placed into a forbearance for 90 days and after the period is up i would need to " resume payments '' I specifically asked if I would need to pay the back payments at once after the 90 days because that's not something that I could do and they said absolutely not they wouldn't do something like that. I received the letter in the mail confirming my agreement and nowhere in there does it say i need to pay the amount for the 90 days all at once either and now i get a statement in the mail saying my past due amount. I called the mortgage company and they now say once my forbearance is over i need to pay all 90 days worth of payments to avoid being behind. At no point did they mention this to be before. They said the " loss mitigation department '' will reach out to me and either see if they can extend the forbearance, offer some sort of payment plan or tell me its all due. I told them i dont wan na wait another month I need repayment options now but they are refusing to offer me any options other that pay the last 90 days of payments in XXXX. I am trying to be proactive in all of this by working out an agreement so it doesnt go delinquent but they have no plan right now, I have an FHA loan and the CARES act states they should work with me but they are not working with me. I would like to resume payments now but i don't want to pay anything until I know what is going to happen. I asked about deferment and they said this plan isnt a deferment its a forbearance but nowhere does it say that it needs to all be paid back at the end. I really just want them to defer the last 2 months to the end and resume as normal but " nobody knows the options that will be available next month '' so they arent working with me.
Consumer complaint received 2016-04-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stuart-Lippman and Associates, Inc (NV)

I was sent a collection notice by Stuart-Lippman and Associates for a debt or over four years ago. I do not have any knowledge of these alleged debt. Furthermore I was a customer of the original creditor XXXX for years at the same time I was supposedly to have owed this alleged debt and was never notified by them. On XXXX/XXXX/XXXX I was notified by the above referenced collection agency that I owed {$270.00} with XXXX as the original creditor. I contacted XXXX to be informed that I was being charged for not reporting the sale of an automobile to them in XXXX of XXXX. I dispute this to the fullest measure. They allege That I did not make a payment and after two months canceled my policy. After all the cancelation fees were added up it was {$270.00}. Again I was a customer of XXXX for years and was never notified of this alleged debt. I was only notified after I canceled my policy with XXXX due to moving out of state.
Consumer complaint received 2020-05-08
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. (FL)

I formally complain to EXPERIAN about the following inaccurate items reported on my credit with Experian and request that they be investigated immediately. COMPANY NAMES : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX XXXX 3 ) XXXX  XXXX XXXX these accounts should be removed to show my true credit history as these items should not be on my report. Pursuant to the Fair Credit Reporting Act, I will expect you to complete verification within 30 ( thirty ) days. As this is a mistake and these accounts do not belong to me, I request that you send me the following proofs, as you must do so in accordance with the Debt Collection Practices Act, Section 1692g. 1 ) The original application or contract 2 ) Any statement allegedly related to this debt. 3 ) Any and all canceled checks. Under the law, you have 30 days to supply these tests. I am attaching a copy of a letter, asking you to verify the alleged debt that your company says I owe. It has been over 30 days since I sent that letter, and I have not yet received proof ( contracts, check payments, reporters, etc. ) that I have validated the debt. Therefore, in accordance with s.1692e ( 8 ) of the Debt Collection Practices Act, which clearly states that any information " ... known to be false, or should be known to be false ... '' can not be Reported to any credit bureau , I request that you immediately remove this false and misleading information. information from my credit report. Please send me a copy of my updated credit report as soon as the above is completed.
Consumer complaint received 2020-05-08
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. (AR)

I receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$170.00}
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I receiving a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. 

XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$170.00}
Consumer complaint received 2020-05-08
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. (AR)

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report XXXX/XXXX  XXXX {$4300.00} XXXX   XXXX XXXX {$1800.00} XXXX XXXX {$3000.00} XXXX  XXXX XXXX {$11000.00}
Consumer complaint received 2020-05-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MO)

Navient has been calling me for years from different numbers, including after they were blocked. They keep calling for a person that is not me ( I don't have student loans ) I have called them back to let them know they have the wrong person but it seems never to get changed and I continue to receive calls. There seems to be no recourse if they call the wrong person, and even if I was the right person, it seems terrible to be calling that often ( multiple days in a row ).
Consumer complaint received 2020-05-08
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (OH)

I opened two credit card accounts with XXXX XXXX in 2006. When I opened them I also took advantage of the unemployment insurance they were offering, as I found out later was completely fraudulent. When I became laid off from my employment, I tried to use the insurance which was completely and utterly worthless. My accounts with them were in dispute for quite some time until it became clear that they were not going to honor the insurance they provided me. In the meantime while the dispute was going on I was getting late charges and derogatory remarks on my credit until this day. They were taking advantage of peoples trust. The fraudulent insurance scheme has stopped, but I'm still paying for it through my credit reports showing all those late payments that were not supposed to be reported during a dispute process. I had to eventually pay them, late charges and all, which have been at a XXXX  balance for five and six years respectfully, but XXXX XXXX refuses to take off my credit report. They got what they wanted, why are they still trying to hurt my credit? Sincerely, XXXX XXXX
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$430.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2020-05-08
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$5600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$2000.00} XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX {$5600.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00} CHAPTER XXXX BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-05-08
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)

Hello, My fianc just recently purposed to me. We are ecstatic, and ready to start out dream wedding. 
Upon review of my credit report, there are an ample amount of Accounts, Collections, that do not pertain to me and are results of identity theft. Please remove these item as they our affecting my credit worthiness. 
Please remove these item from my report or legal action will be taken. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX  XX/XX/XXXX {$120.00} XXXX XXXX XXXX XX/XX/XXXX {$360.00} XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$870.00} XXXX XXXX XXXX XXXX ( XXXX  ) XXXX. XXXX, XXXX {$150.00}