davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: JPMORGAN CHASE & CO. (TX)

I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from Chase, stating " We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between XXXX  and XXXX. XXXX is the score mentioned in the letter from Chase. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. 
I suspect Chase of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. 
I do not recall if Chase participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. 
If I had known that the credit offer received through XXXX was from Chase, I would not have applied due their past spurious business practice.
Consumer complaint received 2017-10-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MEDCAH, Inc. (TX)

On XXXX XXXX I contacted the company in response to a collection account that is on my credit report. I stated : I do not acknowledge any liability for this debt in any form and I retain my right to request a full and complete debt verification and validation from your company. 

However, I am willing to pay off a portion of this account as a show of goodwill under the following conditions : Your company will delete all references to this account from my credit profile at the three credit bureaus ( XXXX XXXX XXXX XXXX XXXX. 
You will not list this debt as a settled account. 
Your company will accept this payment to satisfy the debt in full. 
Your company will not attempt to sell or transfer this debt to another creditor. 
You will make no mention of this agreement to outside third parties. 

I was told that because of where I live MEDCAH does not have the right to collect or the license to collect there. I was also told that I could make a payment online and have it deleted the next day. I could not get this mailed to me in writing because the company doesnt send out letters and they legally can not because they can not collect where I live.
Consumer complaint received 2024-10-09
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC (VA)

The company replied to me saying that, essentially, they focus on the payments hitting interest before principal ( even when it is requested to hit the principal first ). The interest is too much for the $ XXXX payment to touch the principal. The payments essentially never end up getting the loan down lower and I make no progress in paying the loan down.
Consumer complaint received 2017-10-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (CA)

Paypal will not allow me to unlink a bank account. As a result, Paypal continues to withdraw money from a bank account with a low balance. Each time Paypal withdraws money from my linked bank account, sometimes for as little as {$0.00}, I incur a {$35.00}  bank fee. In the past 6 months I have incurred several hundred dollars in bank fees as a direct result of Paypal 's withdraws. 

When I log into my Paypal account, I am unable to remove ( unlink ) the bank from my Paypal account. 

On XXXX XXXX, XXXX I called Paypal and spoke to XXXX and XXXX XXXX XXXX identified herself as a supervisor. Both Paypal representatives told me they could not remove my bank account from my Paypal account. I asked for a copy of the Paypal policy which dictates that I am unable to remove a bank account from my Paypal account. Both representatives informed me that they could not send me a copy of the policy. I asked to speak to someone else. XXXX said I could not speak to anyone else. Instead they berated me, became hostile and hung up on me.
Consumer complaint received 2017-10-26
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. (AZ)

I am a victim of identity theft and haveXXXX hard inquiry on my Experian credit report thats fraudulent and unauthorized : XXXX XXXX XXXX/XXXX/XXXX. The hard inquiry dont belong to me.
Consumer complaint received 2017-10-26
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: Experian Information Solutions Inc. (GA)

I opened a mortgage with XXXX in XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While deploying and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately XXXX and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at XXXX point to they repeatedly needed more information and customer service liaisons switched on my account. In XXXX I retired and they gave me a XXXX XXXX interest rate for 36 months so I made partial payments. I was declared 100 % medically XXXX and in my transition my military check was behind and I have a XXXX child who was in XXXX I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and XXXX directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$XXXX} yet they are still reporting to the CB the old one of XXXX giving the impression on my credit report that I am over XXXX dollars which is not true.
Consumer complaint received 2017-10-26
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. (GA)

I opened a mortgage with XXXX in XXXX, the mortgage was sold to XXXX then back to chase. During that time I obtained an IRRL due to my XXXX XXXX military status. While deploying and on XXXX XXXX the loan fell behind and so I did a modification, upon which time unfortunately XXXX and other banks were illegal foreclosures and I was in that bunch that was able to get mine approved. The modification took over a year as I was told the paperwork was lost at one point to they repeatedly needed more information and customer service liaisons switched on my account. In XXXX I retired and they gave me a 1 % interest rate for 36 months so I made partial payments. I was declared 100 % medically XXXX and in my transition my military check was behind and I have a XXXX child who was in ICU. I was told to not make payments until the final paperwork for the modification was complete. This was due to them not knowing what the payments would be, at this point I never imagined or did I know that it was being negatively reported on my credit report. I have attempted numerous time to work with the credit bureaus and XXXX directly but to no success. The reduced payments were made as asked. There should not be annotated as late payments period. Finally if that was n't enough the new modified loan and the old account have the same number so the delinquencies remain though I have never missed a payment since the modification. The new amount of credit for the new loan is {$210000.00} yet they are still reporting to the XXXX the old XXXX of XXXX giving the impression on my credit report that I am over XXXX dollars which is not true.
Consumer complaint received 2017-10-26
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: CITIBANK, N.A. (AL)

I have seen that XXXX, XXXX and lately XXXX has been on my credit I did not file or put in for a application, I did call each but to my amazement there still on my credit report. Please help
Consumer complaint received 2017-10-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (LA)

The account was permanently blocked on the XXXX of XXXX XXXX due to alleged fraudulent activity although supporting documentation was given to show that there was no fraud involved the balance was {$100.00} in the checking account and {$600.00} in the savings account that was deposited from my pay check American Express has failed to release the money owed to me within a reasonable amount of time the first contact on the issue was XXXX/XXXX/XXXX and was told by a female agent I would recieve my money in 7 or 10 business days I recieved {$100.00} in a check on XXXX/XXXX/XXXX 20 days past the date that was said and here I am today XXXX/XXXX/XXXX still waiting to recieve the rest of my {$600.00} from the savings account I spoke with a female agent on XXXX/XXXX/XXXX who said it would be sent in 7 or 10 business days again more lies
Consumer complaint received 2017-10-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (FL)

I took out a payday loan from ACE when I was XXXX years old. I am XXXX years old now. They have sold and resold this debt and I have paid it off many times because they threatened to arrest me. Now 9 years later I keep receiving phone calls and harrassing letters threatening me again but this time with a civil lawsuit and reporting badly against my credit to the credit bureaus. I found ypur information when I starting researcging if this was happening to other people and found out that not only is it but there has already been an agreed upon settlement in XXXX. It is XXXX and they are still up tp the same tricks. I spoke with a lawyer about it years ago after I was done repaying and repaying and he said that a company will keep reselling a debt even after paid in full.
Consumer complaint received 2017-10-26
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. (CO)

In XXXX XXXX The city of XXXX XXXX had a major hailstorm that caused damage to many of my possessions, one car was beyond repair and I needed to replace it. When I went to replace it, I found that my credit report had been given negative reports by a bank, XXXX. I had had many conversations with this bank, as it is online only, and my daughter had a truck on a loan through them. The bank was impossible to deal with as most of their help did not speak English well. I was never given any alerts or notifications of late payments, but they said two were late. These were paid and I moved the loan to XXXX XXXX to get better service and a better interest rate for my daughter. I also had to replace another car. I managed to get this done with a decent rate and payment. But now over a year later my credit is still the same and nothing has changed and Transunion and XXXX are impossible to deal with, there is absolutely nothing wrong with my credit, I have zero issues and my credit uses are well within acceptable levels but these two companies are like slave owners, as a citizen of America, it should be illegal for them to give a person a rating with no real justification for it, and no deep explanation of the reason, they need to be responsible for their actions and how they affect people. I had to acquire a car through no fault of my own yet I am still paying for it in a less than stellar credit rating by corrupt businesses that can not explain or correct their wrong doings. I am tired of being chained by two companies that are in the business of selling peoples lives - it is modern slavery and the government needs to put an end to it.
Consumer complaint received 2017-10-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I opened a checking account with Bank of America on XXXX XXXX, XXXX at the local Bank of America branch in XXXX, CT with an initial deposit of {$3000.00} via XXXX money order. I was told by the account specialist XXXX XXXX that my funds would be available within 24 hours. 24 hours the funds were not available so I called XXXX XXXX who advised me " to give it a few days. '' I called the local branch again on XXXX XXXX when the funds did not post and I was referred to the generic customer service line ( XXXX ) in order to seek a resolution. The customer service representative informed me that there was no posting of {$3000.00} nor was there any record of a money order deposit. They referred me back to the local branch despite having no results with them either. 

I have the receipt from Bank of America dated XXXX XXXX, XXXX for the deposit of {$3000.00}. I also have the receipts from the XXXX for the 3- {$1000.00} money orders. Bank of America has violated their deposit agreement for fund availability for XXXX postal orders, had their customer service representatives mis-inform me on the status of my deposit and overall has not helped me resolve this issue.
Consumer complaint received 2017-10-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (OH)

I had store accounts with XXXX  and XXXX. At some point these companies started using XXXX XXXX  for to process credit purchases. I check my accounts online frequently and have never seen any unfamiliar activity. 

Synchrony sends emails each month notifying me of the payment due date and provides a link to view my bill and make a payment. I had NEVER been late with a payment and always paid in fulluntil XX/XX/2017. I wanted to pay early because I was moving. However, Synchrony would not allow me to log into either account so I could see the bills/balances and make a payment. Since I was moving at the time, I had no internet service for approximately two weeks. 

Apparently they have been charging me late fees since they will havent been allowing me to log in! Yesterday I called to get answers. First I sat through nearly 5 minutes of recorded messages and push this for that recordings. When I finally got to a live person I was transferred FOUR ( 4 ) times, sitting on hold between each transfer. At one point, I asked for a paper statement to be mailed to me and they refused. Each time my identity was verified, but I never received answers to my questions. Frustrated, I finally hung up. 

I called back and paid off the XXXX XXXX card for the amount they said I owe. I have no idea if that was the correct amount. Today I will do the same with the XXXX card, again having no idea if the bill is correct or not. 

At this point, I would like Synchrony to just close every account that I may have with them. My credit score is and always has been excellent and I do not want to jeopardize that with their lousy customer service practices. Ill stick to XXXX or XXXX for my credit needs.
Consumer complaint received 2017-10-27
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. (FL)

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified account
Consumer complaint received 2017-10-27
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. (FL)

I have recently obtained a copy of my credit file and there are many mistakes in my report : XXXX/ XXXX XXXX XXXX - XXXX : Unverified account XXXX/ XXXX EXTRAS XXXX XXXX XXXX : I have never paid late XXXX XXXX XXXX : Unverified account
Consumer complaint received 2017-10-27
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. (SC)

Transunion XXXX XXXX XXXX XXXXXXXX, PA XXXX Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ), ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA - you are required to ... promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I have also included a copy of my dispute results with XXXX showing the said accounts already deleted with them. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 

Thank you,
Consumer complaint received 2017-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (NC)

I received a letter from Diversified Consultants ; with regard to ( 2 ) collections. XXXX was XXXX and the other was XXXX XXXX XXXX. I reached out to XXXX asking what I needed to do to dispute these two items ; because they did not belong to me. The told me to send a letter to them stating the account numbers ; and the reason why I wanted to dispute the debt ( s ). I typed ( 2 ) separate letters ; and mailed them off separately on XXXX/XXXX/XXXX. I was under the impression that I would receive two letters from XXXX giving me the opportunity to explain why the debt did not belong to me. I never received those letters. On XXXX XXXX, XXXX, I received notification that a collection was added to my credit file ; from none other than Diversified Consultants. I called them and asked them if they received my letters and when I was going to receive something back from them ; the lady on the phone looks at the collections and says that the accounts have been closed. I explain to her that I received notification that the debts had been added to my credit file. She says she did n't understand why. I explained to her the entire situation again ; she asked me to hold so she could ask her supervisor what happened. He got on the phone and told me that a fraud statement had been mailed to me. I told him that I did not receive the fraud notification and I wanted to be given a fair shot to dispute these charges. He proceeds to tell me that he checked my account and the notification I received from the credit bureau was a dispute notification. I checked and it was not ; it was an actual collection added to my file. I would like the opportunity to fairly dispute these collections because they did not belong to me. He told me not to worry about it and another fraud document would be mailed to me. I asked him ; would these collections remain on my account while this process is underway. I told him that the rep before him told me that the accounts were closed ; he agreed. He told me XXXX again XXXX that my alerts were not collections, they were disputes. I would like the opportunity to prove that these collections do not belong to me. The issue is ; if these accounts were closed ; why are they now on my credit profile. And number ( XXXX ) I would like to properly dispute these collections to have them removed. Please help!!!