davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (IL)

Filed a police report onXX/XX/19 with XXXX  XXXX  Police Department.  The over charges on my account were for $ XXXX on Chase XXXX  $XXXX Chase Freedom and XXXX on XXXX XXXX XXXX. The dates the over charges where done on wereXX/XX/2019 by XX/XX/XXXX. The credit cards where Chase XXXX, the current card # is XXXX XXXX XXXX XXXX  exp. XX/XX/.  The other card is Chase Freedom card  # XXXX  exp.XX/XX/, XX/XX/XXXX # XX/XX/ .  I would really appreciate some help with this and I thank you for your time and efforts.
Consumer complaint received 2019-01-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: N.A.R., Inc. (UT)

Third District Court has issued a Pretrial court date on XX/XX/XXXX at XXXX which I will provide the Judge XXXX the first police report of my home being broken into by criminals after I was threaten to not to go to the police and the second police report in regards of my XXXX  accounts being taken over and fraudulent checks deposited and then used by criminal without my knowledge and then asking the bank to do a FRAUD investigation in which XXXX assumed I gave out my password which is FALSE there is just too many issues surrounding this case and NAR inc lack of disclosure to the courts that I am XXXX on XXXX benefits and all my assets are judgement proof. Secondly, NAR inc has withheld information to the courts of fraud stating there was no Fraud so I submitted to the courts copies of all the FORGERY checks put in my name that were documented by their client XXXX. Additionally NAR inc previously ignored my Debt validation letter stating it was frivolous even the though the law states clearly under the FDCPA of my rights to dispute the debt and collection activities must cease regardless if they feel the letter was generic it should have been honored especially considering there was FORGERY CHECKS on file. The verbiage was legal and they willfully ignored the law and pursued collection attempts anyways. Furthermore, they have notified the courts of a false alleged attempt of serving papers when I wasn't even in the state of XXXX  after having my life threatened I left and went to XXXX for a period of time for my safety. As of now the Third District court after receiving the copies of FORGERY checks, and the fact I wasn't in XXXX  set ASIDE the judgement and issued a court date XX/XX/XXXX at XXXX. Which I intend to explain to the Judge in full detail of the situation and information being withheld including the second police report which I will have in court. NAR inc needs to be investigated by the XXXX  attorney general office for its shady and bad collection practices. I went to XXXX reviews there is countless back to back complaints of consumers seeking help with filing complaints against NAR inc.
Consumer complaint received 2022-10-21
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: SANTANDER HOLDINGS USA, INC. (GA)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer
Consumer complaint received 2022-10-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC (AK)

XX/XX/2022 Sunrise Credit Services contacted me regarding an alleged debt of {$390.00}. When informed that I am not aware of and do not believe I owe this debt, Sunrise directed me to their online portal and told me that I had " verified '' the debt on a recorded line. This is untrue. They also told me that they had sent me a letter that I had not received. I informed them of this and asked that they resend that letter and email it if they are willing. They informed me that they are not required to do that and, in the meantime, unless I pay it, they will report it to my credit to damage it. In addition, when I told them my name, they did not believe me and even hung up on me so that I had to call back to understand why they contacted me. If I had not called back, I would not have been aware of this alleged debt in the first place.
Consumer complaint received 2021-04-03
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: Santander Consumer USA Holdings Inc. (FL)

I have been disputing the Santander Consumer account since XXXX of XXXX with no real proof of validation or debt from XXXX. This company was recently sued and forced to fix every account within the time span of the lawsuit ramifications. I recently received documentation on XX/XX/XXXX saying that this account will be zeroed and sent to every credit bureau. It is now XX/XX/XXXX and it is still showing a balance on this account. XXXX XXXX XXXX  have been a success with removing this account and others over a year ago due to them not being verifiable and not properly validated with provided written proof of debt. XXXX  seems to be the only credit bureau giving me difficulties with not only this account plus others ( listed below ), but also unauthorized inquiries. I had already contacted the companies and filed an ftc report including having a fraud alert set for over a year, but XXXX  would not remove these inquiries ( listed below ). It would be greatly appreciated if someone could handle this in a timely matter. I am in need of finding a new place to live and I am getting denied left and right because of these negative remarks. 

Unauthorized inquiries : XXXX XXXXXXXX/XXXX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Negative accounts : Santander Consumer USA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-31
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. (TX)

15 USC 6802 I was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which I was not given.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify all Hard Inquiries you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a ( FRAUD ) or ( FRAUDULENT ) Hard Inquiries. 

I was denied credit recently because of this my wife got sick because we couldnt secure the loan to help her health. She is barley hanging on at the moment I need this resolved asap.
Consumer complaint received 2021-06-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Centralized Business Solutions Company (OH)

Never knew about a debt regarding a company by the name of XXXX, supposedly opened XX/XX/2020. Never had any contract with them or any other company to establish this debt. No formal or informal agreements were ever made. In addition, per The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 Section 401 explains details regarding adverse credit details within my credit file. Especially since this too is a XXXX XXXX. The new laws are very explicit regarding Medical Debts now. XXXX Credit Bureau is known to not validate/accurately verify debt disputed. Tried calling the company to handle matter but they threatened to come to my job to discuss this and humiliate me/harass me. I've had it. This is the final step prior to my going to an attorney to establish and execute my rights.
Consumer complaint received 2019-03-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SUNRISE CREDIT SERVICES, INC (GA)

Hello, I had two student loans with XXXX XXXX loans and both were delinquent. On XX/XX/XXXX i made a payment of XXXX towards the smaller of my two loans with them. This payment was making this loan current as of XX/XX/XXXX. I received a letter from Sunrise Credit Services Inc on approximately XX/XX/XXXX ; a collection company collecting for both debts. I logged back into my XXXX account online when i received the letters and it showed that both accounts had been paid off. I called XXXX the same day to ask where the XXXX had been applied because in their system it showed it had been reversed ; the representative told me that it was forwarded to the collection company. 

I logged into the account with Sunrise Credit Services multiple times since XX/XX/XXXX to verify if the payment was applied and finally saw online on XX/XX/XXXX that the payment i made of XXXX had been split 3 ways ; the loan my payment should have been applied to had a balance of approximately XXXX dollars according to the XXXX website, and then the other loan was approximately XXXX dollars. I spoke with XXXX XXXX on XX/XX/XXXX at Sunrise Credit and she explained that the loan that was showing as XXXX in XXXX 's system was originally disbursed in two disbursements so they were technically two separate loans ( i.e. approximately XXXX a piece ), so XXXX was applied to XXXX XXXX dollar loan, XXXX, to XXXX XXXX loan and XXXX to my loan with the balance of XXXX the application of the payment to my loan with the balance of XXXX is incorrect. The way they split the payments i believe is in violation of the Fair Debt Collection Practices Act as i had specifically paid the smaller of the two loans with the intent of paying it off afer that only to have it sent to collections and I don't think it should have been sent to collection since i paid it current prior to the insurance/guarantee company paid it off. The loans shows it was paid as of XX/XX/XXXX by the insurance/guarantee company on the XXXX site by the insurance company but i had already made my payment on XX/XX/XXXX. I have attached screen shots showing how Sunrise credit applied my payment and also screenshots of when i made the payment to XXXX - it shows the loan the payment should have been applied to. 

Thank you,
Consumer complaint received 2022-01-19
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. (NJ)

XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX DE - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXXXXXX - hard inquires on my credit report that I don't recognize dated XXXX XXXX 2021, XXXX XXXX 2021, XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX  - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX XXXX hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX - hard inquiries on my credit report that I don't recognize dated XXXX XXXX 2021 and XXXX XXXX 2021 XXXX XXXX XXXX, XXXX XXXX XXXX hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX  XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXXXXXX XXXX  - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021 XXXX XXXX XXXX XXXX - hard inquiry on my credit report that I don't recognize dated XXXX XXXX 2021
Consumer complaint received 2022-01-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc (CA)

Open up an account with PayPal to do some casual transactions every single time I received money PayPal locked my account and held my thumbs until I provided you know corresponding information which is understandable so it happened about 3 times and then I received another payment after getting an email saying that I'd become an unknown and established seller and they're still holding the funds but the seller the buyer I mean contacted PayPal and verified the transaction and they released the funds to me so the funds became available Shortly after that I received a payment that I didn't Fully agreed to because it was a lot of a lesser amount than I had wanted so I refunded the payment that payment triggered limitation on the account pending I provide the information which I did and they just still shut my account down and won't let me have my money in my account for a 180 days no explanation very rude
Consumer complaint received 2022-06-05
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I filed a dispute with TransUnion on XX/XX/2022 asking them to verify some information on my report. After almost two months TransUnion replied that they are " unable to locate report # dispute request ''. 

My dispute was sent to them via certified mail with both my proof of identity and proof of address. 

The Credit bureau has not stated whether my account was properly investigated. How is that possible if the open date is incorrect, the date last active is incorrect, the date last reported, and other data is not accurate? This is grounds for removal of the account, they also violated my rights under : 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 an account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation, here is my certified mail tracking # XXXX
Consumer complaint received 2022-01-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

This company SPECIALIZED LOAN SERVICING HOME LOAN is currently showing 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 
SPECIALIZED LOAN SERVICING HOME LOAN XXXX Opened : XXXX Balance {$13000.00}
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: 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 {$31000.00}, {$0.00}. 
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. 

-- CLOSED ACCOUNT 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-06-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

In accordance with the Fair Credit Reporting act XXXX XXXX  Account # xxxxxxxxxxxx XXXX, XXXX XXXX Account XXXX XXXX XXXX, XXXX XXXXt Account XXXX xxxxxxxxxx XXXX, XXXX XXXX Account # XXXX XXXX, have 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
Consumer complaint received 2021-06-16
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)

Companies are reporting wrong information to my credit report. I have sent multiple letters in explaining to the bureaus that certain accounts don't belong. But nothing has change.
Consumer complaint received 2020-11-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$31000.00}, {$0.00}. 
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. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$31000.00} -This is not my account. 

-- COLLECTION ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2022-10-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (SC)

I was communicated by this company representing XXXX XXXX XXXX. 
For a debt that should never been made. 

I closed and stop my service with XXXX in XXXX of 2022, when I needed a life threating XXXX XXXX to be done and would have me not to drive for several weeks upto months. 

I reported the cancellation and stop to renew any services with them in XX/XX/XXXX and XXXX 2022 directly to XXXX insurance customer service. I was told on the phone I can not cancel any insurance or renewal due to state laws impacting the need for insurance. I contacted them again on the XXXX of XXXX, XXXX of XXXX and last day of service with them XXXX of XXXX. I did not want a renewal and I was ending my service with the company. 

They did not want me to cancel my service stating that I must have another insurance company with someone else and then I could stop services with them and cancel any renewal. I was angry that they tried to attempt and did deny my request the days before. 

I found an unauthorized charges of over XXXX dollars trying to be debted out of my XXXX XXXX bank account. No authorization was given to debit from my account. I was charged over draft charges and filed a dispute with my bank. The days of my XXXX and weeks of bed rest then a XXXX XXXX issue of XXXX XXXX in my XXXX resulted from the XXXX and time I was hospitalized. In late XXXX to XXXX I answered a letter disputing the said charge from the company representing XXXX for this said debt collection.
Consumer complaint received 2019-01-12
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. (CA)

On XX/XX/2018 we submitted a form to surrender our XXXX XXXX.

On XX/XX/2018 the vehicle was picked up.

On XX/XX/2018 the vehicle was sold for {$19000.00} leaving a balance of {$8000.00}.

On XX/XX/2018 we paid a payment of {$250.00} We cancelled gap and some other extras which brought the balance down further.

We made {$400.00} in payments XXXX & XXXX. we are currently set for 3 more months of {$200.00} payments. Towards the balance.

Today XXXX marked on our credit that this account is in charge-off and that weve failed to pay. Which from the above information WE HAVE NOT.

On XX/XX/XXXX the balance will be {$6800.00} as another payment is scheduled to draft from our account.