davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Placement Services, LLC (WI)

Ive contacted XXXX, Professional Placement Services, XXXX and XXXX numerous times via phones calls, emails, usps mail and faxes requesting they send me a copy of the original bills, explanation of benefits received and a copy of documents showing I signed as guarantor of alleged services below. Additionally, I asked for the services listed in attached letters which they charged for services I never received be removed as well as requesting they delete all of the duplicate charges listed in attachments. I also ask them to validate each debit with validation from XXXX and to date they only have sent me copies of PPS Professional Placement Services statements in which the account numbers do not even match with my creditor account numbers. I disputed all of this with PPS and have been told by their representatives that they will continue to damage my credit by reporting the debt over and over again each month which they do, sometimes twice a month. The information they are reporting and the amounts reported that Im responsible for have not been validated and just as they say they will continue to ruin my credit by repeatedly reporting false information. # XXXX {$490.00} charged for some services not received. This was due to a fall while at XXXX. Ive a claim form several times as I was injured on your property. I never received claim form. This shouldve been billed to your property general liability ins Im not responsible. # XXXX {$1300.00} double billed for several items. Requested original billing & med recs showing date & time of each service, no response to dispute requests. # XXXX {$980.00} gave PPS full divorce docs, ex-husband resp for 1/2 all XXXX bills. Ive been billed & paid 100 % when I was only responsible for 1/2 except this bill. I asked XXXX for copy of EOB ( ex-husband coverage I have no access to EOBs ) pre-auth letter, original bill & all docs signed, no response. As of XX/XX/2022 they reported these 3 accounts as new collections on my credit reports. They will report this as new which it is not but they will not respond to me regarding these incorrect bills nor will they provide me with validation of this alleged debt.
Consumer complaint received 2022-06-09
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. (AR)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX Account # XXXX and XXXX XXXX Account # 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
Consumer complaint received 2022-07-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION (ME)

I got a letter from Aspire Servicing center ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX ) saying I have a Total principal balance of XXXX and a total unpaid interest of {$5000.00} due now. The statement date is XX/XX/22 and I got this letter on XX/XX/22. 

1. I dont have any loans through Aspire. All my student loans are through XXXX XXXX and XXXX. 
2. If they got sold again I haven't gotten any notification. My loans were originally through XXXX XXXX XXXX XXXX 
3. They are also saying my interest rate has as increased from XXXX to the new rate of XXXX. 
4. I have been trying to no avail to get a hold of them. Cant get through.

5. I have not agreed or signed anything.

6. All my loans are on covid forbearance 7. Predatory, manipulative loan servicer.
Consumer complaint received 2020-10-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (FL)

Dear Consumer Financial Protection Bureau, The reason why I am contacting you is because my mortgage company PHH Mortgage Services has made a mistake and is forcing me into an escrow account. 
Due to the Pandemic situation, and for this first time, I got delay with my taxes. On XX/XX/2020, I received a letter from PHH attached, saying if I do not pay the taxes for the amount of {$6400.00} to them within 30 days they will set up an escrow account as part of my monthly payments. So in order to avoid that I called them on XX/XX/XXXX ( Ref # XXXX ) to place the payment over the phone and I was told that since I have a disbursement of {$800.00} in my account the amount that I had to pay was {$5600.00}, which is the amount I paid that day. 

Now, a month later I received my new monthly bill which increase from {$1500.00} to {$2200.00}. So I called right away and the reason for this increased, and they said that I did not paid the taxes which I did on XX/XX/XXXX ( see proof attached of the email received after payment ). After proving to them that I paid the taxes, they told me that by mistake they misplaced my payment and it went into my principal and told me to give them about 2 weeks to fix the problem. They called me again today XX/XX/2020 XXXX ( Ref : XXXX XXXX XXXX Escalator Manager XXXX ext. XXXX ) saying that the {$5600.00} was reapplied toward the taxes but the other {$800.00} they couldnt because it was not an actual disbursement, it was a late fee for my taxes. Then I asked him why was I told that I had a disbursement and I didnt need to pay the full amount just the {$5600.00} and he said that it was a wrong communication from them. 

So from that point I told him that I will send them the {$800.00} to clarify the account due to their mistake, and he told me No XXXX, I am sorry but you are already enrolled in escrow account and there is nothing we can do about that. At that point I got very upset, they made a mistake with the amount they told me to pay over the phone ( minus the disbursement ), and now theyre acting like they never told me that. Why would I pay {$5600.00} instead of the {$6400.00}? They misplaced my payment toward the principal, and told me to pay a wrong amount So basically they pushed me into an exaggerated escrow account impossible for me to pay, with lies and mistakes made on their behalf. 

I really appreciate your help to this matter. 

XXXX XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX Fl XXXX
Consumer complaint received 2021-12-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Someone stole my identity and bought a car under my name and credit score for {$22000.00} in XX/XX/2020. The only reason I found out is that I wanted to get a loan from my credit union and the lady told me I had not made my car payments for over a year. She showed me the information and it shows a collection agency named Portfolio Recovery Associates and also says that I am responsible for the auto loan as well as two other people named : XXXX XXXX and XXXX XXXX. I do not know these people. I did not buy a car or co-sign a car for anyone except my daughter XXXX XXXX. I have never received any phone calls or letters from this collection agency. I believe the thieves did not use my address or phone number because I would have caught this sooner.
Consumer complaint received 2022-06-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AR Resources, Inc. (TX)

I have reached out to the AR Resources INC several times and no response to remove this item that is impacting my credit. I will provide the dates that I reached out to the creditor to get this removed and no response. I sent letters on the following dates shown below. Could someone please help to resolve this issue for me. This debt is from XXXX of XXXX and should have been removed for some time now. Thanks XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2022-10-23
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC. (GA)

A family member and I were involved in a car accident, late 2021. A man clipped us and pretty much totaled the vehicle. While trying to figure out to handle that, a family member insisted I follow their lead and took me to a dealership that cold called them. They set us up with a used SUV with an almost 30 % interest rate and $ 700 monthly payment. The dealership put my family member 's yearly income as mine, the family member is nowhere on the paperwork as a co-signer, and then they proceeded to hit my credit multiple times until a finance company gave the details of the interest rate and monthly payment above. Blindly following the advice of the family member above, ( who later admitted they didn't know what they were doing either ), I was bamboozled. I've tried over ( 2 ) six month periods to refinance this car with my correct information and I've had no luck. It's like NO ONE wants to deal with this car. And now knowing that the terms of this deal are horrific, I want out. My credit has been hit REALLY hard and I just want to be made even.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

AMERICAN EXPRESS DISPUTE CASE NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CC : LAST XXXX Expiration : XX/XX/XXXX CVV : XXXX XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX called my company Everything XXXX and needed a full XXXX XXXX bed to rent as she was having XXXX on Wednesday, XX/XX/XXXX. She also ordered a XXXX XXXX XXXX Commode and a gel mattress which she purchased, this invoice was for a total of {$470.00}. She called us back and requested and over the bed table. I charged her for the smaller table, {$120.00}, and I also sent the larger table with our technician so that she could make her choice, she chose the larger table. She was aware of the {$25.00} difference and she had me charge her card and I e-mailed to her the invoice and the credit card receipt ( see attached ). 
XX/XX/XXXX We delivered the hospital bed along with the other medical items, and our technician XXXX XXXX delivered and set up the hospital bed and XXXX XXXX signed the delivery slip receipt. ( attached ) XX/XX/XXXX XXXX Tuesday, XX/XX/XXXX, she requested another mattress which was a foam mattress to purchase. I, XXXX, sent her an e-mail letting her know that there will be an additional {$80.00} fee for us to go back out there and the cost of the mattress, {$290.00} plus tax. She responded back to my e-mail ( see Attached ) ordering us to get it for her and she also called and indicated that we needed to go through the gate and leave the mattress in the patio and to make sure the gate gets closed. She also mentioned that her neighbor would bring in the mattress as the neighbor had a key. 
XX/XX/XXXX I made several attempts to reach her and left her messages on her cell phone, but she never returned my calls. The rent on the bed went from XX/XX/XXXX to XX/XX/XXXX. I charged her card for the next months rental of {$170.00} per the terms of her signed agreement on delivery. I mailed to her a copy of the invoice and the credit card receipt. 
XX/XX/XXXX On XX/XX/XXXX, XXXX XXXX called and requested that we pick up the hospital bed. We scheduled the pick-up for XX/XX/XXXX, and she signed the receipt ( see attached ) confirming that we picked-up the bed from her house. 
Please note, that we submitted all the requested documents with the signatures acknowledging the receipt of the hospital bed and the other medical items and the pickup of the hospital bed on XX/XX/XXXX. American Express indicated that there were insufficient information and no signatures. 
American Express has closed the case and we were instructed to contact our Merchant Services and request an appeal. Merchant Services told us that we are not able to make an appeal as American Express has closed the case.
Consumer complaint received 2022-06-09
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: CAPITAL ONE FINANCIAL CORPORATION (LA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-11-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

Hi, On Friday, XX/XX/2022, I received a text message from Chase with an alert that my debit card was being used to make a purchase at XXXX for {$240.00} and to reply Y or N. I replied N and I immediately got a call from XXXX XXXX XXXX which is a Chase number. They called me around XXXX times starting at XXXX am. The man on the phone told me that Chase noticed fraudulent purchases and needed me to confirm I wasn't the one making those purchases. I couldn't understand the man very well, the phone was breaking so I asked to speak with his supervisor. A lady got on the phone. They were inside my account and went through my transactions asking me to confirm if I had done those. 

They told me also that there were charges from XXXX and other places and that they were going to cancel those and send me a new card free of charge to my address. They confirmed my address, they had all my personal information. 

They kept me on the phone for almost XXXX hours because they were waiting for reference numbers to confirm the cancellation of the transactions. While I was talking to them I was receiving text messages from Chase with the " reference numbers ''. 

On Monday, XX/XX/2022 I checked my Chase business account and there were three unauthorized wire transfers and various other transactions. A total of {$41000.00} had been wired without my authorization. I called the fraud department at Chase and filed a claim and the lady on the phone told me to go immediately to a Chase office to freeze my account. I did. I transferred all the money to a new account. 

Chase couldn't give me the money back until they did their investigation. They didn't ask me about the details of what happened and they told me to wait. I filed a police report immediately ( police report available upon request ) and I've reported the identity theft to XXXX. I'm located in XXXX XXXX. 

This is not only identity theft on me, it's identity theft on CHASE.
Consumer complaint received 2020-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (ME)

I set up a payment plan with Capital One, and went online yesterday XX/XX/XXXX to pay an agreed upon amount. I noticed I was charged a late fee. I chatted with an agent who told me that while a payment plan is in place fees can still be charged. 

I paid the amount agreed today and tried to get them to agree to not charge fees for the two month period it will take me to bring the account current. The agent would not agree and the agent then said that they couldn't agree to the payment plan, which certainly means they will charge me more late fees. 

I am unemployed, a single mom, and waited 8 weeks for my unemployment back payments to come through. I am trying to catch up as best I can but I will never get out of debt if I am continuing to have to pay late fees and extra interest.
Consumer complaint received 2022-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc. (FL)

I started a credit building service with MoneyLion. They put {$1000.00} into a reserve fund and I never received the money. I was told that I would make increment payments towards the balance at {$22.00} a week plus {$4.00} service fee a month. After approximately 5 installments paid, I informed them that I no longer wanted the credit building or Money Plus line. To date they have not contacted me or allowed me to close the account, however, on XX/XX/XXXX my credit score on all 3 bureaus dropped XXXX points because of a derogatory remark from MoneyLion ( please see below ). I do not owe them the money because I never received it. I do not want their services, but they refuse to help me cancel my account. 

MONEYLION INC has flagged your account as 30 Days Past Due on XX/XX/2022. 

Source : XXXX XXXX : MONEYLION INC Address : XXXX XXXX XXXX, XXXX, UT XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/2022 Balance : {$900.00} What now? 

Negative activity can have a significant impact on your credit score and how lenders see you as a borrower, affecting your ability to get credit. 

After you've resolved the negative activity, try XXXX XXXX to raise your XXXX  Score.
Consumer complaint received 2024-11-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Consumer complaint received 2022-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

Hello, my name is XXXX XXXX and upon review my consumer report I noticed personal information such as addresses reporting inaccurate- the following addressing listed below do not belong to be and I have never lived at. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAXXXX
Consumer complaint received 2022-04-05
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX my checking account at Truist Bank was hacked. The hacker managed to XXXX {$630.00} out of my checking account, and then on XX/XX/XXXX the hacker managed to XXXX two more transactions, one for {$200.00} and another one for {$50.00}. I called Truist at XXXX and reported all three unauthorized transactions for a grand total of {$890.00}. They filed a claim and the claim number is XXXX. I received documents in the mail which I filled out completely and dropped off at Truist at XXXX XXXX XXXX, XXXX XXXX FL XXXX. I waited in the lobby for over 30 minutes and no one even acknowledged me although bankers and branch manager were not doing anything. After a long wait, the branch manager asked what I needed and proceeded to walk me over to the teller line where they faxed above referenced documents and interoffice mailed the originals. I went in to the branch 4 other times ( XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ) to inquire on the status of my claim, because anytime I called the 800 number I wait a minimum of 2.5 hours and one time I waited for 3.5 hours and ended up getting disconnected. It is today XX/XX/XXXX and I still have not received a call to confirm receipt of my documents and an update on the claim.
Consumer complaint received 2021-07-03
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: Lending Club Corp (CA)

lending club is reporting false and innaccurate date to my credit report. on my credit report they are appearing as a loan with late payments and a loan that needs repaid with a {$20000.00} balance. First of all I NEVER OPENED THIS LOAN IN XXXX. This is a FRUAD account that was opened by someone who stole my identity. I never recieved any money from lending club, I never applied for a loan with lending club and I am DEMANDING LENDING CLUB REMOVE THIS FRAUD ACCOUNT FROM MY CREDIT FILE IMMEDIATLY. I AM ALSO DEMANDING LENDING CLUB STOP REPORTING THIS TO THE CREDIT AGENCIES. REMOVE THIS ACCOUNT FROM MY NAME AND SOCIAL SECURITY NUMBER IMMEDIATLY.
Consumer complaint received 2022-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

In reference of complaint # XXXX. I found the receipt letter this collection company sent me back in XX/XX/2022 indicating that they informed XXXX, XXXX and XXXX to delete this account ( attached ). 
Obviously they have failed to. They still reporting this account and their stall tactic is that they are not able to find the account in their file. How come you can find the account to report it in my consumer report?
Consumer complaint received 2021-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I see multiple 60-30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.