davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on the XXXX XXXX  - partial account number XXXX. ( Please see pages 6 and 7 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit score.  Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Consumer complaint received 2019-06-05
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. (CA)

I've never even been contacted by this people in the past. I have no idea who they are and never did any business with them ... Please delete this account and tell the company to be more careful on how they handle their reporting.. XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2019-06-05
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: I.C. System, Inc. (CA)

I have an outstanding balance at XXXX XXXX. They reported me as delinquent to a credit bureau early last year but then removed it from my credit report. Removing the delinquent amount bumped up my credit score. IC systems ( I guess ) bought the delinquent credit from XXXX XXXX and reported it as " for collection '' on XX/XX/2019. I believe they are trying to " re-age '' this delinquent balance.
Consumer complaint received 2019-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (GA)

I have disputed this collection account 3 times and ARS has refused to send me any documentation concerning this debt- I have enclosed copies of the initial dispute sent through Consumer Financial Protection Bureau XXXX XXXX dated XXXX. ARS stated they did not have any records or any files for this account. Ars stated they could not even locate the account- Please explain why this file or account was not able to be located XXXX? 

ARS stated they sent out debt collection letters XXXX, XXXX and XXXX - I am requesting copies of these letters and documents created by ARS to be uploaded with the response to this complaint and a mailed copy be sent to me for my records ARS has not provided any documents that the company XXXX XXXX XXXX gave them rights to collect this debt OR any bills or accounting showing how this debt came to be- Please upload copies of these documents through the Consumer Financial Protection bureau and mail a copy to me for my records ARS has refused to provide copies of bills, Judgement or any accounting of amount ARS claim is owed- I have never received copies of anything Ars has not provided the name and complete address to creditor- There was no address listed in prior response- The name listed on the credit report is XXXX XXXX XXXX  not XXXX XXXX This is a violation**** FDCP section 809 ( 5 ) I was not given a complete address of original creditor in my prior complaint ( CFPB # XXXX ) and FCRA I believe ARS is using Unfair Collection Practices and are in violation of FCRA section 808 ( 1 )
Consumer complaint received 2019-06-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (NC)

I have tried to contact this credit card company, Chase Bank asking them several times to send me Verifiable Proof ( An Original Consumer Contract with my signature on it ) stating this debt of {$2500.00} is mine. They have failed to positively verify this account which has hurt my ability to obtain credit. Chase Bank continuously sends bills and collection letters in the mail that DO NOT belong to me. Under the FCRA, unverified accounts must be deleted if the company is unable to provide me a copy of verifiable proof and this company is refusing to do so. Please assist in having this account remove from my XXXX, XXXX and XXXX  Credit Report. Thank you!
Consumer complaint received 2019-06-05
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica (CA)

my business cheking account with XXXX XXXX one day i had stolen checks and cashed from my account total 3 checks i contact my XXXX XXXX its been a long time dealing with my problem after that i was inform that the cashing bank was comerica bank i talk to there fraud team but they never try to help me with my stolen checks i demand my money to be paid cus my money was stolen and abvously there custome did this the name on the check i dont know the wrighting is not mine ans signature is not my signature also pls help me with this thank you
Consumer complaint received 2019-06-04
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)

I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX US DEPT ED XXXX XX/XX/2012 XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX ( Original Creditor : XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX XXXX
Consumer complaint received 2019-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

There is no sufficient information to support Transunion claim. the payment here is sent in advance so i don't understand why this is past due. CFPB please check and fix this for me ... I was never late paying XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

On or about XXXX of 2018, a fraudulent application was submitted using my name and social security number to Capital One. Additionally, my checking account was debited {$1000.00} by Capital One for what turned out to be a fraudulent secured credit card. I contacted Capital One and advised them of this matter and was told that the account would be closed and removed from my name and social security number, and the {$1000.00} that was debited from my account would be mailed to me. However, as of todays date I have not received any refund check from Capital One and I still see the account on my credit report. Ive emailed Capital One legal regarding this but all my correspondence has been ignored.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

XXXX applied for two XXXX visas for my wife and me on XX/XX/2019 without our signatures and prior authorization and approval. This transaction is not valid because we did not consent for them to apply visas for us because we had valid visas in our possession that which XXXX staff was informed. Prior to re-boarding of the ship there was no checking of visas to enter XXXX and XXXX in order to determine whether a passenger is allowed to board or not in order to determine if passenger can continue to sail. We were aware of the visa requirement that's way we applied on-line for a XXXX   e.visa no. XXXX and no. XXXX, paid {$36.00} per visa on XX/XX/2019. 
Please note that on XX/XX/2019 XXXX charged us {$170.00} but upon our protest the charge was refunded on the same day as shown in the invoice or statement account of disembarkation. Hence this visa service was cancelled properly. Clearly the recharging of the same amount on XX/XX/2019, the day before disembarkation, is not valid and not authorized. This charge was disputed and protested on the same day it was posted on my account but no official action was taken then. Why was the charge posted on the day before departure? 

The disputed amount of {$170.00} is a charge that is not authorized in any manner. Without our permission to apply for a visa and without our signatures, no person or company can use my credit card without my signature or authorization as contained in the credit card agreements. 

Bank of America erroneously sided with XXXX that is why I am seeking your assistance.
Consumer complaint received 2019-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am extremely concerned about the actions credit bureaus are having on my life ... I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction ... I do not own the following accounts XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX,, XXXX XXXX XXXX
Consumer complaint received 2019-06-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (WA)

I have ask Fedloan Servicing on XX/XX/2019 via email to provide me with the estimated value of my loan in 25 years when it will be forgiven. No response see was provided until XX/XX/2019, which stated that it is impossible to calculate. I gave them an average payment I make per month and the interest rate and asked them to calculate that on XX/XX/2019. No response was given until XX/XX/2019 stated it was impossible to calculate. The problem that they refuse to acknowledge is that I have a right to know the approximate value of my loan at the end of the term. I owe {$180000.00} at this point. I have paid {$26000.00} in 6 years on the loans and only {$1000.00} has gone towards principal. I have no way of getting ahead on these loans without information. They refuse to provide that. It is criminal how little of my payments have been used to cover principal and I am also complaining about this. I have called in multiple times in the past to find out if there are better programs available to me and none are given. At this point, i can only guess that I will owe over {>= $1,000,000} at this rate putting me owing an amount of taxes I will never be able to afford. I need help to figure this out because I am in financial ruin over this and will most definitely be bankrupt at the end of the term and need to figure out my options. I can't do so without an somewhat accurate idea of what my financial situation will be which is based in this loan and some sort of payment plan that doesn't have me giving tens of thousands of dollars to a government agency via a ridiculous amount of interest they charge that can not even be applied to hiring staff educated enough to answer a simple question. I have paid {$26000.00} for 1 simple question to be answered and I would like a response. In XX/XX/2019 after complaining about this via the CFPB website, Fedloan Servicing sent a response telling me how much I would owe in 10 years with Public Service Loan Forgiveness. I DO NOT QUALIFY FOR THE PROGRAM THUS THE REASON I ASKED FOR THE TOTAL OWED AT 25 YEARS! PLEASE PROVIDE TOTAL AMOUNT OWED GIVEN MY CURRENT PAYMENT AT THE END OF A TWENTY FIVE YEAR TERM.
Consumer complaint received 2019-06-05
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: EQUIFAX, INC. (OR)

XXXX XXXX and Eqiufax. Have accounts set up with them and have used them in the past.

Tried logging in today and and can't access account. I have the correct user names and passwords because I'm an old guy and I write them down. All they want to do is sell you stuff without any access to your account. 
These people sholud be put in jail!
Consumer complaint received 2019-06-04
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Santander Consumer USA Holdings Inc. (NC)

XXXX XXXX XXXX has violated my rights under federal law by reporting a collection account on my credit report without first supplying a 30 day notice of my right to dispute. This is a direct violation of the Fair Debt Collection Practices Act.
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (IL)

Ive already filed complaints but the company refuses to come to an equitable resolution. I firmly believe I tried to make a payment in full to pay off a promotional balance ; they deny it. They did not respond at all to my second complaint about clearly making a discriminatory act during my most recent call to them, which I made after my first complaint. 

Ive now paid the entire purchase amount on the card but they expect me to pay over {$6100.00} in interest and late charges. They refuse to waive even a single month of interest. Many of my calls are handled in a highly unprofessional manner where I am cut off or scolded. 

The CFPB is already taking enforcement action against Synchrony for discriminatory behavior, yet they continue to exhibit it. The CFPB should perform a company-wide audit of their customer services practices, as I know for a fact that they do not treat all customers the same in various aspects of their business.
Consumer complaint received 2019-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

Trans Union and XXXX. Have accounts set up with them and have used them in the past. 
Tried logging in today and and can't access account. I have the correct user names and passwords because I'm an old guy and I write them down. All they want to do is sell you stuff without any access to your account. 
These people sholud be put in jail!
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (TX)

BARCLAYS BANK CREDIT CARD SHOWS ON MY CREDIT REPORT WITH XXXX, WHICH IS NOT MINE!! PLEASE HELP ... I HAVE FILED WITH THE FTC
Consumer complaint received 2019-06-05
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. (OH)

I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. See Attach FTC Report XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Consumer complaint received 2019-06-05
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. (OH)

I have been going over my credit report trying to buy my home. I noticed accounts that I have never done business with and I do not have a contract for business with any of the companies. I was told to file a report and contact the CFPB AND FTC. See Attach FTC Report .XXXX  XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.
Consumer complaint received 2019-06-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

On XX/XX/2019 I sent a Certified check to paypal credit to satisfy the balance on the account, Paypal received and never applied it on the account they keep posting the account as past due. Around XX/XX/XXXX or XXXX I received a letter dated XX/XX/2019 from Paypal Acknowledging reception of the check and they kept as it was a gift. All I want is for them to apply the check or I will fill a Lien against them as I stated it on the UCC-3 that was sent with the check. See Attachements
Consumer complaint received 2019-06-05
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IL)

I attempted to pay my XXXX Credit card on the due date, XX/XX/2019 at XXXX XXXX and when I click the link it would not allow me to pick today 's date. When I called in the representatives stated that any time after XXXX is considered late in the due date. XXXX will not allow you until XXXX to make a payment and that I will be charged the {$30.00} late fee even though my payment was submitted at XXXX the date it was due. I feel this is unfair as it was payed in the due date several hours before midnight.
Consumer complaint received 2019-06-05
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)

This matter is pertaining to Equifax. I have been a victim of identity theft and have taken all the necessary measures to clear my name including theft report file. Under the Fair Credit Reporting Act, information pertaining to fraud can be blocked at consumer request. I was told this by Equifax Fraud department. However, the following accounts is still showing on my file. Please assist me in resolving this matter CFPB. I am not the one who open the underlying accounts stated in this complaint.
Consumer complaint received 2019-06-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: EOS Holdings, Inc. (RI)

XX/XX/XXXX - I called to obtain information on where to mail payments or how to pay online and requested they no longer contact me on my personal phone number and that they are unauthorized to contact my place of employment, friends or family about this debt moving forward. They kept putting me on hold, hanging up the phone on me, not confirming they will end phone calls. I spoke with manager XXXX, who would not provide me with his full name and said they will continue to call me. I stated by law once notified they have to end phone contact to which he kept avoiding acknowledgment of my request.
Consumer complaint received 2019-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OK)

My wife and I just applied for a new loan and learned an existing loan with Rushmore LMS was showing to be included in a bankruptcy. We have not filed bankruptcy and we are current on our loan without ever being late. I called Rushmore and was told my account is in good standings and it's not their fault it shows this way. I was told to call the credit bureau. I asked for a letter and was told I was told I would have to mail a letter to them and then they could respond with a letter. I went on to explain I am applying for a loan and this mistake is very time sensitive. I asked to speak with a manager and was told no, but someone would call me but no promises it will be today. I called XXXX and was told I can file a dispute since Rushmore reported it this way but it would take 30 days. At this time my wife and I can't proceed with a purchase contract due to this mistake and my credit rating is suffering which will cost me a higher interest rate once this is resolved.
Consumer complaint received 2019-06-04
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: ENCORE CAPITAL GROUP INC. (PA)

Midland Funding is harassing me with phone calls for a debt Ive told them over and over that we do not have a contract they are saying they purchased this debt without my permission from XXXX. I need this removed from my report.