davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-26
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alliance Group & Associates LLC (VA)

Received a call from Alliance Group Associates regarding a loan from XX/XX/XXXXfrom XXXX XXXX  stating loan was not paid. I have written notice from XX/XX/XXXX from XXXX XXXX XXXX  who purchased this debt from XXXX XXXX stating loan was paid in full. When speaking with supervisor at Alliance Group Associates, she stated I had an additional loan which was not fact as I verified with originator of the loan. I have requested my personal data and any information they had regarding a loan or personal data about me and have been refused such information stating they are sending back to originator to verify. They have requested this letter be emailed to them and I do not feel comfortable sending them any information that they can not provide verification to. I believe this company is a false company contacting any information they can find to try and collect additional monies in resulting in harrassment.
Consumer complaint received 2018-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed with the credit companies and they failed to delete all mis- reporting ; unproven mis spellimgs of my name and address I have provided government documentation that proves my true identity. My state laws and FTC laws states that if the reporting information is not true, complete and perfect it must be deleted, I wish not to take any other names or abbreviation of my government name,
Consumer complaint received 2018-03-26
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (FL)

Dear Sirs : I am XXXX XXXX XXXX. I am trying to pay my Walmart credit card bill from 2013 and I called and was transferred to 10 different numbers. No one could find this account but it is in my credit and is preventing me from buying a house. I can't understand this?!?! If they can not find it then how am I supposed to pay it? This is ridiculous. Please help me. Either they have it and I can pay it or they don't and I don't owe it. Please contact me or them and let me know what I can do.

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX
Consumer complaint received 2018-03-26
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (IL)

I opened a Total Checking Account on XX/XX/XXXX in branch. The deposit agreement I was provided gave me the right to opt out of the mandatory arbitration clause within 60 days of account opening. This agreement stated that I could opt out either with a personal bank or by calling the standard XXXX number to reach Chase.

I asked the personal banker at the time of account opening if I could opt out, referencing the relevant clause. The personal banker indicated that she did not know how to opt customers out of arbitration and had never heard of it. She wrote down the number provided in the agreement on a stick note and encouraged me to call them to ask to be opted out.

I asked Chase to opt out of the mandatory arbitration agreement in a secure message on XX/XX/XXXX. I received a response on XX/XX/XXXX stating that my request had been forwarded to research and that I would receive a response in 5 business days. I have not received a response.

I recently called the number provided in the deposit agreement and asked to opt out of mandatory arbitration. The first-level customer service representative escalated me to a supervisor, who said she'd never heard of this and would refer the matter to research.

I have not received any response.
Consumer complaint received 2018-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (OH)

The company XXXX XXXX has placed an account on my credit report for a XXXX account that was closed properly in XX/XX/2014. According to my contract with XXXX if I did not receive service in my home I was allowed to terminate. I terminated the account after several attempts to fix the service. I completed a XXXX complaint against XXXX in XX/XX/2014. This derogatory mark on my credit report is a violation of the FCRA.
Consumer complaint received 2024-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

My son received medical attention in the ER. The hospital had incorrect billing information. The claims were denied because of this incorrect information. Hospital is aware of their mistake, but will not do anything about it. Hospital has agreed that the information they had was inaccurate. 
Hospital says dr has to resubmit information. XXXX XXXX XXXX says that debt collector has to resubmit. The insurance company is reaching out, but no one will return their call. All the insurance asked is for the claims to be resubmitted with a letter stating the billing information was incorrect at time of service. They refuse to do this. Commonwealth will not resubmit or contact the hospital or dr to verify information. They have informed me that all that they can do is offer a settlement for an amount that I do not owe. I have bills for {$520.00}, XXXX, and {$740.00} for dates of service on XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX the supervisor on XX/XX/XXXX. Extremely rude and hung up on me after telling me that all he can do to help is offer a settlement.
Consumer complaint received 2018-03-19
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: COMMUNITY CHOICE FINANCIAL, INC. (UT)

Account showing up on my credit report and I have no kn0wledge of account or any business dealings with this company. 

They say loan taken out XX/XX/2017 for {$5000.00} and was to be paid from XXXX XXXX checking account XXXX routing number XXXX. Nether exist.
Consumer complaint received 2018-03-27
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I spoke with Kohls Charge personal on the phone in 2016 and agin in on my last phone interview with Kohls Credit.

I was told that the late payment in XX/XX/2016 would be removed if I filed an dispute.

I was told both the call were recorded.

Please, have the fraud department audit the calls and remove the late pay.

I also tried to pay the amount due the week of the charge and was told I could not pay until it posted.

The above was at the XXXX  Customer Service Department on the week of the Charge. I called the # on the Card.
Consumer complaint received 2018-03-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: ACS Education Services (IL)

Back in 2009 I had a student loan that was issued before the federal aid was able to be applied. When the federal aid was applied, the loan was refunded back to Conduent but my federal student aid account still shows an outstanding balance for the original loan. When Ive spoken to their loan service rep, they said that the loan was refunded and that I dont owe anything and would send the corrected information to NLDS to reflect that I dont have a balance but they never did.
Consumer complaint received 2018-03-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

Recently while conducting a monitor of my credit report I discovered that XXXX XXXX XXXX has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than XXXX XXXX XXXX is to only be revealed with the patients authorization.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2018-03-26
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Was approved for a loan, but didn't receive money — 
Company: Cash Time Title Loans, Inc. (AZ)

I applied for an installment/registration loan with Cash Time via there on-line application. The website stated everything could be handled online. Shortly after I submitted my application to Cash Time I received a call from the branch located at XXXX XXXX XXXX XXXX. XXXX, AZ. XXXX. The caller stated that they would be able to help me all I needed to do was visit the branch and bring, bank statements and pay stubs. I advised her that I had granted permission for them to view my bank statements and that my pay check was posted to my bank account. She still insisted I visit the branch even though the web site states everything can be done online and the funds can be deposited in your bank account by the next business day. I visited the branch and found out that everything I had been told was a total lie. I wasn't approved for the {$1500.00} I applied for they offered me {$200.00} and rationalized the decision by stating that I didn't have auto deposit for my pay check. If this is in fact a registration loan using my car as collateral then the {$1500.00} should not have been a problem because XXXX value is over {$5000.00}. This company is guilty of deceptive lending practices.
Consumer complaint received 2018-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Someone stole my check and wrote a check to herself for the amount of {$5500.00} and signed the check herself forging my signature. The signature did not even look like my signature. Union Bank ( XXXX XXXX in XXXX XXXX, address is : XXXX XXXX XXXX, XXXX XXXX, CA ) did not verify my signature and cashed the check. They should have verified my signature specially for this large amount. Union Bank made a big mistake. And now they are not giving me back my money. I talked to the branch manager, XXXX XXXX XXXX regarding giving me back the money back. I had another similar situation before. XXXX XXXX gave me back the money but he also forced me to sign a form that if there is any more trouble with Union Bank will not be responsible. He did not explain to me what I was signing. And this time, he does not care about me losing money. He does not care that Union Bank made this mistake. 
I feel that I am a victim again. Not only by the person who stole my check, but also a victim by Union bank. 
I reported this to the police. Case number is XXXX. Copy of the police report is attached. 
My English is not very good, please contact my realtor, XXXX on behalf of XXXX XXXX email XXXX and cell phone ( XXXX ) XXXX and address XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX.
Consumer complaint received 2018-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

Experian credit agency keeps refusing to remove incorrect information from my report which cost me more interest rates and lowers my score. I had a bankruptcy due to a divorce but I paid the student loan off, they keep stating that it was included in the bankruptcy and I have already over a year submitted proof that it was paid off ( letter from the department of education ) and Schedules from the bankruptcy to show that it wasn't included and they refuse to update the account or to take it off. it is the only Credit bereau that has it and it is not allowed by law to include student loans into bankruptcies so its an obvious error.
Consumer complaint received 2018-03-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I was charged a minimum interest fee of {$1.00} in XX/XX/XXXX, but there was no balance subject to interest ( per the creditor 's own billing statement from XX/XX/XXXX - the creditor is Bank of America ). I carry a balance on this credit card from a 0 % balance transfer. I believe the reditor has, at best, a system problem and for me it is unfair and incorrect to attempt to bill me that minimum interest fee. 

I spoke with their customer service center manager on XX/XX/XXXX, who informed me this was interest in arrears from the former billing cycle. However, the billing statement where I was charged was in XX/XX/XXXX ( {$0.00} from an annual fee of {$79.00} on the account and which had no grace period for interest accrual since I carried a balance ), payable in XX/XX/XXXX.  In early XX/XX/XXXX I made a payment far in excess of the minimum due plus any amount that might have still remained on the annual fee and the {$0.00} interest on that. This payment was reflect as paid when the creditor issued the XX/XX/XXXX billing statement. That XX/XX/XXXX statement itself showed NO AMOUNTS OR BALANCE SUBJECT TO INTEREST. 

If not a violation of Regulation Z or UDAAP, it is at least misleading and confusing. I will also I have had the same scenario with other creditors ( 0 % balance transfer offer in place when an annual fee cycles on the account ) and have never experienced this.
Consumer complaint received 2024-08-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX6 Subject : Request for Assistance in Resolving XXXX XXXX ( Debt Bondage ) Case To Whom It May Concern : I am a victim of XXXX XXXX. The information listed below, which appears on my credit report is the result of XXXX. 

Please block this information from my credit report withing four business days, pursuant to section 605C of the Fair Credit Reporting Act. 

These accounts have resulted in several hard fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the accounts, or collections, as reported on my consumer credit report that is being maintained by your organization. 

Per the Consumer Financial Protection Bureau ( CFPB ) the documents needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I sincerely request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. 

I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX, XXXX, and Experian. Please delete the following accounts. 

Ive listed each account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im requesting that XXXX send me proof of the corrections. I appreciate your urgency in correcting this mater. 

Sincerely, XXXX XXXX XXXX XXXX : Proof of Identity Trafficking Documentation
Consumer complaint received 2018-03-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: The CBE Group, Inc. (CA)

Several family members have received phone calls from this company about a money I owe. The tell my family and friends that I am being serve for wire fraud, however I have never received anything in writing. My family and friends were not contacts on any loan of mine. This company took the liberty of calling my work and my ex-husband.
Consumer complaint received 2018-03-26
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CENTER, LC (MI)

Thank you for taking the time to read my message, it is highly appreciated. 

We have been dealing with the company Mortgage Center ( XXXX XXXX XXXX ( XXXX XXXX ) XXXX, Michigan XXXX ; ( XXXX ) XXXX ) for the last two weeks.! 0 years ago, when the Condo we live in was purchased, the mortgage was through this company. About a year ago, we paid off the mortgage. When we wanted to go ahead and close the sale of the Condo two weeks ago, we were told that the Mortgage Center had not properly closed our account and released the lean. When we contacted the Mortgage Center Service Center, we were told that they would look into this and reach out to us. But, instead of reaching out to us, we had to call them every day the last two weeks just to hear the same response. We have not been reached out to, there was no tag on our account, that we had requested this issue to be solved and not once did the person who answered the call know that this situation had been going on. 

It really raises the question if this company is a legit company. When I went online to research the reviews and the experiences other people have had, I realized that this is a very common situation with Mortgage Center. 

Please, take the time to investigate this company and this situation. We are having serious problems because of the malfunction of Mortgage Center and we are the only ones who are suffering severe damage.
Consumer complaint received 2018-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc. (OK)

I sent notice by certified mail to XXXX XXXX XXXX TO CEASE CALLING ME AT WORK BECAUSE MY EMPLOYER DOES NOT ALLOW THESE CALLS. AND YET I AM STILL HARASSED BY PHONE NUMBER XXXX EXT.XXXX. I HAVE ALSO CALLED AND INFORMED THEM THAT I AM SETTLING MY DEBTS THRU XXXX XXXX XXXX, XXXX. AND THEY STILL CALL MY EMPLOYERS NUMBER.
Consumer complaint received 2018-03-26
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: TD BANK US HOLDING COMPANY (NE)

Td auto finance is reporting a hard inquiry that i did not authorize. I sent in my signed application which shows the date i applied and they ran my credit before that without my authorization. I have tried to get it removed td auto finance and the bureaus
Consumer complaint received 2018-03-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AMERICAN EXPRESS COMPANY (MA)

On aboutXX/XX/2018, monies were electronically sent to American Express Company ( AMEX ) by XXXX XXXX XXXX. These monies were sent back to be applied against a personal loan I had taken with AMEX. There were two separate transfers made : {$350.00} on XX/XX/2018 -  Reference Trace Number : XXXX {$10000.00} on XX/XX/2018 - Reference Trace Number : XXXX AMEX has verbally acknowledged receipt of these funds and has been agreeing to credit any interest that may be accruing for the amount of the funds returned i.e. they don't want me to be responsible for paying interest on funds that have been returned and received by them. While this is being done, they still have not applied the returned monies to my outstanding loan balance. This is placing a burden upon me as I still do not have use of the funds as originally intended ; t=I can not apply for a new loan until this loan has been paid off AND it is restricting my access to money from others as this is showing as an outstanding loan of {$15000.00} +/- on my credit report, adversely affecting my credit score. I have spoken to a XXXX ( Employee Badge # XXXX, a " supervisor '' in their personal loan department several times to no avail. While he has been polite he has acknowledged the frustration surrounding this matter, both on his part and mine. He is struggling to get answers on his end! 

I would like the returned funds totaling {$11000.00} to be applied to my account ASAP! 
Thank you, XXXX XXXX XXXX
Consumer complaint received 2019-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ERC (FL)

XXXX XXXX XXXX debt amount is XXXX account # XXXX opened on XX/XX/XXXX and Enhanced Recovery amount XXXX the account number # XXXX this was opened in XX/XX/XXXX
Consumer complaint received 2018-03-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO. (FL)

XXXX XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Consumer complaint received 2018-03-26
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. (NJ)

I have disputed an account reporting on my credit report with Experian Credit Bureau as well as the XXXX this has been ongoing for months. 
I havent received any results.