davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK (NY)

Discover Student Loans issued my monthly statement in the beginning of XXXX of 2018 indicating the payoff amount for all of my loans totaled approximately {$58000.00}. Then, over a series of payment between XX/XX/XXXX and XX/XX/XXXX, I payed {$62000.00} to Discover Student Loans to repay my debt. Discover Student Loans did not accept many of these payments and issued " Payment Reversals '' for many of these. However, I was never issued a refund for reverse payments - Discover Student Loans still has all the money that I paid them, but the amount has not been applied to my loan. Discover Student Loans is now claiming that I owe an additional {$16000.00} dollars. I have clear records of all my payments, and because all of these payments occurred electronically, my personal bank also has record of these payments, with no record of refunds ever being issued. It is my belief that Discover Student Loans is fraudulently attempting to take money from me that they are not entitled to. Please contact me to assist with this manner and so that I am provide further details. 
Thanks You, XXXX XXXX ( Primary Borrower ) and XXXX XXXX ( co-signer and brother of the borrower )
Consumer complaint received 2018-07-06
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: Resurgent Capital Services L.P. (TX)

IN REGARDS TO XXXX XXXXXXXX XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THEY ARE CONTINUING TO REPORT TWO FRAUDULENT ACCOUNTS I KNOW NOTHIG ABOUTON MY CREDIT REPORT AND HAVE NEVER HEARD OF THESE COMPANY BEFORE AND HAVE NEVER RECEIVED ANY CORRESPONDENCE THEM. HOW AND WHAT THE DEBT IS FOR AND WHAT PROOF THEY HAVE THAT IM CORRECT PERSON THEIR LOOKING FOR? THESE ACCOUNTS WHERE OPENED I ASSURE YOU DUE TO ME BEING A VICTIM OF IDENITY THEFT AND XXXX  HAS YET TO NOT DONE A PROPER INVESTIGATION TO EVEN SEE THAT THESE ARE NOT EVEN MY ACCOUNTS AND DONT BELONG TO ME. I HAVE NEVER HEARD OR HAD A XXXX XXXX XXXX   ACCOUNT.
Consumer complaint received 2018-07-06
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: AMERICAN EXPRESS COMPANY (DE)

in XXXX my personal info was compromised, my American express plum card was taking over by a XXXX XXXX, fraud charges were made on account, my address was also changed, I called and reported the breach to American express and changed back the address the account was closed. 

they credited back the XXXX charges in XX/XX/XXXX and in XX/XX/XXXX put bck the charges and when I called them they told me they sent letters to me to the fraud address and I did not reply so they closed the fraud case and put account into collection.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2018, my credit card from Chase Bank was declined at " Healthy Pets. '' It is a business a few blocks from my home where I have completed several similar transactions over the past three-plus years. I immediately contacted Chase Bank and asked why my card was blocked, without prior notice, at a business I use regularly. Chase refused to provide a reason, or to even substantively respond. 

In regard to the XX/XX/XXXX incident, I re-contacted Chase Bank by email on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, Chase assures me it is " looking into '' the matter. 

This is a new, different, and separate incident from the XX/XX/XXXX incident, which is the subject of a separate complaint. In both instances, Chase blocked my credit card without prior notice. In both instances, Chase rebuffed my many attempts to substantively resolve the issue. 

I have spent at a minimum two hours dealing with Chase 's errors, and in my efforts to engage Chase substantively. My professional time is billed in excess of {$200.00} per hour. A very conservative analysis mandates a conclusion that Chase should reimburse me {$400.00} toward the waste of time, stress, humiliation, and harassment that Chase continues to inflict. 

I again request that Chase acknowledge its errors, apologize for blocking my card without prior notice, assure me that such will not occur again without prior notice, and reimburse me {$400.00} for my time that Chase has caused me to spend seeking a fair resolution. 

All of the above has been relayed to Chase and it is documented.
Consumer complaint received 2018-07-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (VA)

I filed a complaint against PayPal with CFPB in XX/XX/2018. I received a letter today stating that they issued credits to my account on XX/XX/2018 for XXXX XXXX dollars and XX/XX/2018 for XXXX XXXX dollars ; which are not true. I checked with my bank, XXXX XXXX and they confirmed there were no credits issued for the unauthorized transactions that occurred on my account by hackers and fraudters they have on their platform. PayPal allowed almost eveleven thousand dollars to be sent to a person in the XXXX for donations which I never approved as I live in the USA and have no idea who would donate that kind of money to a total stranger in a different country in 5 uneven installments.
Consumer complaint received 2018-07-06
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. (DE)

in XXXX my personal info was compromised, my XXXX XXXX plum card was taking over by a XXXX XXXX, fraud charges were made on account, my address was also changed, I called and reported the breach to XXXX XXXX and changed back the address the account was closed. 

they credited back the XXXX charges inXX/XX/XXXX and in XX/XX/XXXX put bck the charges and when I called them they told me they sent letters to me to the fraud address and I did not reply so they closed the fraud case and put account into collection.
Consumer complaint received 2018-07-06
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. (DE)

my accounts were compromised with fraudulent charges, XXXX   caused the breached. To this date the continue to report the fraudulent address on my credit report also the fraudulent charges from XXXX XXXX. 

XXXXXXXX XXXX acknowledges that the card with the fraud charges was closed in XX/XX/2017 when I discovered the address was changed and cancelled it, and there after they allowed the card to continue to be used for unauthorized purchases after it was closed. 

XXXX president office continues to ignore my letters and phone calls, they ignore the claims sent to you and keep marking them duplicate, they are really unprofessional I need XXXX  to clear my credit report and correct it.
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (WA)

On XX/XX/XXXX I purchased two airline tickets from XXXX for {$490.00}. One of these tickets was cancelled with XXXX on XX/XX/XXXX. This charge was never refunded to me. On XX/XX/XXXX, I went to use one of the tickets and found out that the second ticket was never refunded or cancelled. I lodged a dispute with Discover Card for {$490.00}. 

In XXXX, they charged my new account {$490.00} and then took off the charge in the same amount of {$490.00}. This credit has nothing to do with the XXXX charge that is sitting on my old account. If you look at the documentation I provided, it is showing a charges totaling {$990.00}. That number should be {$490.00}. They are missing a credit. Only one airline ticket was purchased.

D

iscover placed a {$490.00} credit on my account but they placed it on an old account. Therefore, I am not seeing the credit. I have made numerous calls to Discover in an attempt to fix this. Each time I am promised that the credit will be moved over to my new account within a few days. But the credit never gets placed on my account. As a consequence my balance with Discover is {$490.00} more than it should be.

Discover is failing to fix this for me, despite numerous calls.
Consumer complaint received 2018-07-06
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. (TX)

IN REGARDS TO EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX THEY ARE CONTINUING TO REPORT TWO FRAUDULENT ACCOUNTS I KNOW NOTHIG ABOUTON MY CREDIT REPORT AND HAVE NEVER HEARD OF THESE COMPANY BEFORE AND HAVE NEVER RECEIVED ANY CORRESPONDENCE THEM. HOW AND WHAT THE DEBT IS FOR AND WHAT PROOF THEY HAVE THAT IM CORRECT PERSON THEIR LOOKING FOR? THESE ACCOUNTS WHERE OPENED I ASSURE YOU DUE TO ME BEING A VICTIM OF IDENITY THEFT AND EQUIFAX HAS YET TO NOT DONE A PROPER INVESTIGATION TO EVEN SEE THAT THESE ARE NOT EVEN MY ACCOUNTS AND DONT BELONG TO ME. I HAVE NEVER HEARD OR HAD A XXXX XXXX XXXX ACCOUNT.
Consumer complaint received 2018-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USI Solutions Inc. (CA)

I have received multiple calls to my home and answering service from a company called USI Solutions saying I owe approximately {$400.00} on a credit card from XXXX XXXX XXXX from 2009. The calls began on XX/XX/XXXX to my home number, no message was left, but they left a message with my answering service which is a XXXX service where you just leave a message. I returned the call on XX/XX/XXXX. They said they had mailed this information to my XXXX XXXX , which I told them I did not receive. I said I did not remember having any credit card with this Bank, and I did not owe this money. I may have had an issue with a credit card in the past but it had been resolved. They said they would email me the information, which they never did. They implied I was being belligerent by refusing to cooperate. The call got disconnected, and they accused me of hanging up. I asked them if I have owed this money for 9 years, why am I just hearing about this now? I have has the same address and phone number for 28 years. 
I have received NOTHING IN WRITING FROM THEM! 
I have continued to receive calls to my home phone on XX/XX/XXXX at XXXX XXXX, XXXX XXXX, XXXX XXXX, XX/XX/XXXX at XXXX XXXX, and my answering service on XX/XX/XXXX at XXXX XXXX, saying now that I had received the email from them, I should pay them what I owed. 
I obtained my credit report from XXXX, and I do not owe any money to any debt collectors or to XXXX XXXX XXXX cc. I refinanced my home one year ago, and I doubt I would be able to do so with a debt hanging over me. 
USI Solutions phone number is XXXX or XXXX, I spoke with XXXX at extension XXXX. I also spoke with her supervisor.
Consumer complaint received 2018-07-06
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. (DE)

my accounts were compromised with fraudulent charges, Equifax caused the breached. To this date the continue to report the fraudulent address on my credit report also the fraudulent charges from XXXX XXXX. 

XXXXXXXX XXXX acknowledges that the card with the fraud charges was closed in XX/XX/2017 when I discovered the address was changed and cancelled it, and there after they allowed the card to continue to be used for unauthorized purchases after it was closed. 

XXXX president office continues to ignore my letters and phone calls, they ignore the claims sent to you and keep marking them duplicate, they are really unprofessional I need Equifax to clear my credit report and correct it.
Consumer complaint received 2018-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (DC)

XXXX has failed me at every stage of repayment. 

XXXX has violated the Fair Credit and Reporting Act ( FCRA ), Fair Credit and Reporting Act ( FCRA ) intended to protect consumers like me. XXXX should note that this is a case of financial mis-selling. 

XXXX engaged in knowing misrepresentation - the harm threshold is necessary for a lawsuit, given the present demonstrable actual damages and future damages. It is evident that I will suffer real damage as a result of this misinformation from XXXX. 

On XX/XX/2018 I called XXXX at XXXX XXXX I spoke with XXXX   representative ( ID # XXXX ). I believe XXXX has a record of this call and the other calls I made in XXXX. If not, I can send XXXX my copy of the recorded call. I still haven't received any information from XXXX stating the XXXX payment has be correct from {$750.00} to {$270.00}. XXXX informed me when I called that the XXXX payment will be corrected from {$750.00} to {$270.00} because XXXX made a mistake by not sending me a notification of denial letter, informing me that my Public Service Loan Forgiveness recertification application had been denied. It's been 2 months and I still haven't received the letter with the adjusted XXXX payment of {$270.00} as promised by XXXX. I have sent 3 separate emails to XXXX and no response. Instead, XXXX has sent me a delinquency notification dated XX/XX/XXXX, because I informed XXXX that I am waiting to receive the letter with the corrected payment of {$270.00} or {$320.00} for XXXX before making payment. XXXX still hasn't sent me the letter with the corrected payment amount. Instead the have received the following letters from XXXX : Loan Sequence : 1 Financial Transactions letter dated XX/XX/2018 An approved interest capitalization letter dated XX/XX/2018 A second delinquency letter dated XX/XX/2018
Consumer complaint received 2018-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Fax XXXX XXXX XXXX Account Manager XXXX XXXX Case Number : XXXX Paid Off Account XX/XX/XXXX {$7400.00} XX/XX/XXXX {$300.00} Automatically payment withdraw from XXXX XXXX account Account gets positive credit {$300.00} Customer ask to reverse {$300.00} back to XXXX XXXX but the money never made to his account. 

Customer called inquire about the reverse status of the account Bank of america representative instructed customer to contact his bank wells fargo. 

XXXX XXXX re ensure money never made to the account and reverse the charge. 

Could Bank of america prove the money went back the customer account? 


A Bank of America representative told customer that the money was send to a company called XXXX XXXX. 


Customer is sending statements as Bank of America requested from banking account activity back to XX/XX/2018. 


Please note : The {$300.00} went back to customer account on XX/XX/XXXX as a result of a dispute. 

If the account was {$300.00} positive and the only money refunded was {$300.00} the Bank of America balance should be reflecting {$0.00} and instead is reflecting - {$300.00}.
Consumer complaint received 2018-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I want to link my Capital One checking account with XXXX. They are blocking access. I was instructed that I have the right to access my financial information and to file a complaint here. They allowed me to connect with XXXX, but not with XXXX. I think this is completely unfair and possibly illegal.
Consumer complaint received 2018-07-06
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: Conn's, Inc. (TX)

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. 
Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Consumer complaint received 2018-07-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.Q. DATA INTERNATIONAL, INC. (CO)

IQ Data International. Spoke to a XXXX XXXX I specifically asked for documentation to back up debt itemization, he claims they sent it to my address, and it was signed by post office delivery, don't remember receiving this. I also got one letter from them 2.5 years ago trying to resolve the debt with a one time payment of {$1500.00} and they also told me to have someone else pay it or get my credit card they noticed I had credit on my cards to cover a said amount at time sounds fishy to me. I'm not paying a debt that has no documentation. So I called the original rental company no one has any records company doesn't exist anymore, nor did I ever get a bill from said company. XXXX threatened to sue if I didn't pay by the end of the day and this debt keeps getting reported and adding interest on my credit report. It's causing me problems with insurance hikes loan hikes and getting a job or moving. Funny when all of my bills are paid on time perfect credit history and these people are the only ones on my credit trying to make me pay a debt with no documentation.
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ME)

On XX/XX/XXXX Transunion was given a formal complaint via electronic transaction with XXXX and was provided with investigation number XXXX. 
The investigation was completed on XX/XX/XXXX. These dates and information at this point demonstrates that Transunion is in violation of the 30 day agreement as set forth by the guidelines of the FCRA. Transunion has been contacted and is failing to admit responsibility of clearly failing to comply with the FCRA requirements. No further complaints by other consumers or any notifications on Transunions website or publication otherwise including letters, emails and social media demonstrate any delays in their system. Therefore Transunion shall have no choice but to delete the following accounts XXXX- Reason part of Chapter XXXX bankruptcy {$0.00}, disputed as not my account XXXX  XXXX Reported on XX/XX/XXXX Amount {$77.00} - Disputed as Not my account or belongs to someone with a similar name XXXX Reported on XX/XX/XXXX {$0.00} _ reported as exceeding time to list on credit report XXXX Reported on XX/XX/XXXX {$0.00} Part of a Chapter XXXX bankruptcy Transunion has been notified repeatedly that I have not filed for bankruptcy and is not listed on my credit report as all Bankruptcy charge offs for Chapter XXXX are reported. Transunion still fails to acknowledge based on this information that the information is inaccurate. Transunion also claims they have supporting documentation for each account reported and verified as accurate yet refuses to provide the information used to justify their actions. 

Transunion is in violation of FCRA including any past disputes on the same accounts that did not exceed 30 days. Transunion should be directed to delete these accounts immediately from my credit report based on factual information listed in this complaint
Consumer complaint received 2018-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have been told by one of my creditors that somebody stole my information opened up a credit card fraudulently and they told me Im a victim of identity theft
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Selene Finance LP (TX)

I have never missed nor have I ever been late on a mortgage payment to Selene Finance. I stopped receiving statements from the company in XX/XX/2018. I want concerned at that time, as mail delivery in my area is spotty at best. I had no reason to suspect anything being wrong and continued making my mortgage payments as usual. My payment was {$670.00} a month and i continued to pay {$700.00} a month as I am in the habit of paying additional to lower my principal. I received a letter regarding bankruptcy rights XX/XX/2018, and tried to log into my account on line. I kept getting a message that no account associated with my information could be found. I then called and was told that no one could talk with me about my account since I'm being represented by an attorney. I tried to explain to them that I am Not being represented by an attorney as and was then told I would need to call back and talk with the bankruptcy department. I called the next day and was on hold for nearly two and a half hours. When someone finally answered, I was told the office closes at 4. I called the next day and again was on hold for two hours only to get a recording to call back during regular business hours. The following day I received an email from an attorney with a letter of intent for accelerate. I then sent a letter to Selene along with bank statements showing all payments clearing my bank on time and in full. I do not know if my payments have changed due to escrow, but I have paid an additional amount for the last three months to cover this. I am still unable to actually talk to a person and I have had no response to my letter or payment statement.