davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (KY)

I recently looked at my Discover Card account to see what the balance due was. 
I noticed that there was a monthly charge coming from XXXX XXXX for around {$11.00}. 
So I called Discover and they told me that the fee has been coming out of my Discover account since XXXX of 2017. Discover also informed me that there was a purchase made from XXXX charged to my account for around {$230.00} and that they had also charge some 'fee ' for around {$40.00}. 
I told the Discover card agent that I have n't bought anything from XXXX in years. So Discover is disputing the charges on my behalf. 
I do n't believe this was any accident. I asked some of my customers coming into the Post Office where I work and within 30 minutes two of them told me the same thing had happened to them. Except they had made an XXXX purchase, but later saw that XXXX XXXX was charging them a monthly fee that they had n't requested. 
This strikes me as a common procedure to steal money from unsuspecting people. Imagine the senior citizens that would likely never suspect that a company as large as XXXX was consistently stealing from its customers.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I have recently received three letters informing me that my personal information and credit card accounts have been subject to data compromise. The letters included information on how to perform a freeze on my credit accounts. When contacting these companies and requesting a freeze, one waived the fee while the others told me that because of which state I live in, they are required by law to charge a fee for the freeze. I do n't understand how one company can waive the fee with no problem while the others are " bound by your state law ''. Again, I have done nothing to cause this problem. I was notified by several of the businesses I hold accounts with that I should take action. It seems that these credit reporting agencies have a monopoly on my personal information and I have no control unless I am willing to pay an extortion for them to act on my behalf. Is this legal?
Consumer complaint received 2017-11-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (MA)

Called on XX/XX/XXXX to tell Sallie Mae that I had recently lost my job and would not be able to make payments for a month or two on my interest payments. Told them that I would be starting a new job soon but would like to alert them and delay payment for the next month or two. Was told that there was no way to delay interest payments and was actually made to pay " good faith '' money in order to stop making payments for one month. Have still been charged interest payments and getting calls that I need to make interest payment despite having told them that I would not be able to make an interest payment for a month or two.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (NY)

I brought my XXXX mini van in to be repaired at XXXX XXXX in XXXX NY while under warranty. The two electronic keys were not working properly.The dealer refused to honor the warranty claiming there was nothing wrong. I contacted XXXX and informed them that their dealer is refusing to honor the vehicle warranty. After the warranty expired the keys stopped working completely. I brought the van back in and was charged about {$480.00} for two keys. I  asked why I was being charged and was told the warranty expired and they were not responsible. I paid with a credit card or I would not have been allowed to get my car back. I checked NY law and was told by two lawyers that if a vehicle is brought back under warranty and the problem is not fixed the warranty remains in effect until the problem is fixed. I informed XXXX XXXX XXXX XXXX XXXX XXXX of this. They refuse to remove the negative info from my credit file and this is causing me to be denied other credit card offers that come with large rewards. Issue two I went on XXXX and after looking at items a pop up adv from XXXX appeared offering me {$50.00} off my first purchase, NOT SECOND PURCHASE. If I applied for and received a credit card. I did this and was approved. I bought items for a bit over {$50.00}. I received a bill from XXXX credit card stating I would receive the {$50.00} off my second purchase and had to pay the {$50.00} plus from my first purchase. I offered to return the goods but they could not be returned. Since there would be no second purchase I asked XXXX to honor their offer. They refused and placed negative info on my credit report. This is hurting my ability to receive new credit cards. In both cases the credit card companies are intentionally transmitting false information about me in order to ruin my reputation. Can you do something to fix this?
Consumer complaint received 2017-11-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AMCOL Systems, Inc. (MO)

XXXX XXXX XXXX Hospital XXXX MO bill for services on XX/XX/XXXX and XX/XX/XXXX was sent for collection to AMCOL Systems on XX/XX/XXXX. XXXX XXXX XXXX. XXXX SC XXXX ( XXXX ) XXXX FAX ( XXXX ) XXXX AMCOL collected a monthly fee of {$4.00} with the {$20.00} payment in violation of XX/XX/XXXX Missouri Revised Statutes Title XXVI Trade and Commerce Chapter 408 Legal Tender and Interest Section 408.096. Loan arrangement, excess fee prohibited for certain transactions -- penalty. Complete debt information was not provided in the original letter. 

" Universal Citation : MO Rev Stat 408.096. 

Loan arrangement, excess fee prohibited for certain transactions -- penalty.

408.096. No person, firm or corporation shall receive or impose any fee or charge, other than one expressly provided for by statute, for arranging credit in the amount of XXXX XXXX dollars or less the proceeds of which are intended to be used by the borrower primarily for personal, family or household purposes. Any contract evidencing such excess fee or charge and any note evidencing credit so arranged is void. Any person, firm or corporation who receives or imposes a fee or charge prohibited by this section is guilty of a class B misdemeanor. 

( L. 1979 S.B. 305 ) Annotation Copyright Missouri Joint Committee on Legislative Research ''  XXXX XXXX XXXX This statute affects the Missouri Fair Debt Collection Practices Act. 

Representatives XXXX XXXX and XXXX, Supervisor XXXX, and Cheif Financial Officer XXXX XXXX refused to send documentation of amount owed and the amount paid. Returned call on XX/XX/XXXX XXXX read a letter from XXXX XXXX claimed that they are a payment collection service, not a debt collector. XXXX refused to send physical copy of XXXX XXXX 's statement, physical copy of amount owned and list of all of my payments. Said the fee was for debit and credit card collection and mailed in payments were free. Would not send a physical copy of the terms of collection. 

From XXXX XXXX XXXX " Validating the Debt Within five days after contacting a debtor about paying a debt, the collector must send a written notice that includes : the name of the creditor and the amount of debt ; that the debt will be assumed to be valid unless disputed within 30 days. If disputed, the collector will verify it and send a copy of the verification or of a judgment against the consumer. 

During a period when a debt is being verified, the collector may not attempt to obtain payment. 

Unfair Practices : Debt collectors may not engage in unfair practices such as : collecting any amount greater than your debt, unless allowed by law ; making you accept collect calls or pay for telegrams ; depositing a post-dated check prematurely. '' Source : Missouri Division of Finance Consumer Credit Division XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Senior Counsel/Consumer Credit
Consumer complaint received 2017-11-13
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (NC)

Carrington Mortgage Services refuses to return our escrow funds to us after closing on our home where they serviced the mortgage on XXXX XXXX, 2017. We already paid the county our portion of the annual taxes at closing, and Carrington Mortgage Services says they are " choosing not to return '' our escrow funds to us.
Consumer complaint received 2017-11-13
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. (GA)

New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/XXXX Alert Type Inquiry Processed Date XX/XX/XXXX Inquiry Date XX/XX/XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, XXXX
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I filed a previous complaint with CFPB and I have just received a credit report from Equifax showing the amount still owed, CFPB Complaint number XXXX. 

This account must be marked closed as I see it listed as late with a full balance showing. 

See attached report and original documents.
Consumer complaint received 2017-11-13
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: EQUIFAX, INC. (GA)

New Inquiry A new inquiry has appeared on your credit report. Here are the details of this inquiry : Date Reported : XX/XX/2017 Alert Type Inquiry Processed Date XX/XX/2017 Inquiry Date 2017-XXXX Inquirer Name XXXX Address XXXX XXXX XXXX, XXXX, OH, XXXX
Consumer complaint received 2017-11-13
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. (GA)

This incorrect information appeared on my account in XXXX. 
Account Number XXXX Account Type Credit Card Terms Revolving Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Late Payment Status Details Charge-off Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit {$500.00} Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, NV XXXX Ownership Individual Original Creditor - Company Sold-to SOLD TO ANOTHER LENDER
Consumer complaint received 2017-11-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

This complaint is against XXXX - XXXX XXXX XXXX - trying to attempt to collect an unverifiable debt that 's been charged off not once but at least twice prior - if we are even talking about the same " loan ''. They very well may be trying to collect on fake debt for the Supposed Holder in Due Course, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX internal statement XX/XX/XXXX shows Realized Loss of {$60000.00} on Group I - Loan ID XXXX. 

Then an internal Bank of America statement inadvertently sent to me shows the very same transaction being " charged off '' for {$60000.00} on XX/XX/XXXX referencing data from the XXXX  - XXXX XXXX XXXX System. Loan ID XXXX. 

Then magic happens and XXXX assigns XXXX as the new account number on an alleged outstanding principal balance of {$60000.00}. 

This banking / " mortgage '' / loan mischief and deception is to cease now. The shenanigans are truly out of hand.
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX : CFPB Complaint ID # XXXX XXXX, XXXX XXXX and Experian XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, XXXX credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX A/C XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; XXXX XXXX
Consumer complaint received 2017-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX, XXXX XXXX : CFPB Complaint ID # TransUnion XXXX, XXXX XXXX and XXXX XXXX Thank you for your response. You acknowledge your irresponsibility in communicating false manufactured facts on my XXXX XXXX, XXXX credit report that resulted in a rental denial and significant increases in my annual auto insurance premiums. You obstructed resolution and stubbornly procrastinated months to communicate with truth. I expect immediate reimbursement for these economic losses. Going forward I expect before you again place any false narrative on my credit report you contact me by certified mail and give me 30 days to respond to any slanderous negative allegation. By return certified mail please acknowledge your agreement and {$400.00} reimbursement. 

You still have not responded to your XXXX XXXX XXXX XXXX false narrative. Please immediately remove and provide access to your intentional deleterious credit report of me so that I can confirm your removal. Thank you. 

Respectfully ; XXXX XXXX
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (PA)

Experian Membership account number XXXX Also have not been no member since XX/XX/year> as stated by Experian membership. 

I have only sign up since last year I have tried to cancel Experian and it keeps popping up on my phone all day I do not want Experian membership services it is nothing more than a scam
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Consumer Collection Management. Inc (IL)

This company, Consumer Collection Management- acct # XXXX is showing an delinquent account as of XX/XX/XXXX for {$2000.00}. I never received any mail notice regarding this debt nor have I done any business with this company. I have requested that the credit bureaus investigate this, via electronic disputesXX/XX/XXXX, XX/XX/XXXX and via a credit repair agency as of XX/XX/XXXXand XX/XX/XXXX. As of this date, the bureaus have refused to investigate this account or they state that it was an error with my request. In addition, whenever I request or attempt to have the account investigated, the company keeps changing how their name appears on my credit report.
Consumer complaint received 2017-09-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IL)

I have been working with National Collegiate Trust 's collection agency XXXX XXXX XXXX, and through my bankruptcy XXXX and XXXX agreed to a new agreement of terms through which to repay the student loan. My lawyer XXXX XXXX, and XXXX and XXXX lawyer XXXX XXXX XXXX, agreed to the new conditions. to pay XXXX dollars, with a 0 % interest rate. It was submitted to the court. However, after I had agreed to the terms of the repayment and everything was finalized it was never turned over to the XXXX who handles the loan. I just filed a complaint and XXXX has no clue about what is going on. XXXX needs to honor the agreement that they made with the new loan agreements with XXXX XXXX. We worked out this agreement since XXXX of this year. This led to me doing forberances on the loan currently and now it has been gaining balances because the interest keeps compounding and it has n't been changed over to the new agreement. 

XXXX understandably has no clue about what is happening. I have contacted them and they say that I am still in bankruptcy status but that is incorrect. 

XXXX has never answered the complaint or contacted me. 

XXXX has disappeared and seems to not be honoring the agreement. 

I can not afford to pay this loan. The interest is too high, I filed a bankruptcy and they were summoned to court and they are the only lender that has not changed the terms and conditions of my loan agreements. 

My income can not support these payments. 

I have filed multiple complaints and I need XXXXXXXX and XXXX to respond NOT XXXX They have no clue what is going on because they are not aware of the negotiations between my lawyer and theirs.
Consumer complaint received 2024-08-29
Product: Credit reporting 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 recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc (CA)

To Whom It May Concern : Your firm is continuously reporting an alleged debt in my name in the amount of {$250.00} to credit reporting agencies.
According to the information provided to us by your firm, the date of last activity by the original creditor was XXXX 2013. The Statute of Limitations on this alleged debt, even should it be ours, is 4 years in the state of California. Since the debt is out of the statute of limitations and you continue to report this alleged debt on my credit report, you are conducting collection activities on zombie debt.
I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. The exact statute : [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; AND ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation.
Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities.
Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying the California State Attorney General 's office. In addition, I 'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Sincerely,
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-11-13
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: St.John Cobb Inc (NC)

Collection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXX Opened Date XXXX XXXX, XXXX Closed Date -- Balance {$600.00} Placed for collection Disputed XXXX/XXXX/XXXX for the second time Disputed the first time XXXX This account is fraudulent. I am not aware of what I am being charged for what so ever. It has also been transferred to another agency but remains on my credit after dispute.
Consumer complaint received 2017-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (PA)

On XXXX XXXX, 2016 an XXXX credit card from Chase was opened in my name.

I was able to close the account but Chase can not or will not provide details about the details of the application. I am concerned that I am being slammed by either Chase or XXXX opening account like the XXXX XXXX issue.