davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

XXXX XXXX XXXX and XXXX XXXX XXXX are continuing to collect on a medical bill that has already been paid. This is also showing on my credit reports.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP (CA)

InXX/XX/XXXX I received a notice from US Bank that I owed money on an account that I did not recognize. I called the number provided ( XXXX ), and they were unable or unwilling to tell me who they worked for, but kept asking for my SSN to verify the alleged account. 

I then received another notice dated XX/XX/XXXX from US Bank alleging an increased amount due for the same alleged account. On XX/XX/XXXX, I took both of these requests to a local branch of US Bank ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX ) and met in person with XXXX XXXX. He went on his various systems and verified that based on my photo ID and SSN I have no account with US Bank, past due or otherwise. He then connected me on his internal phone with the US Bank Collections team, and they verified that the alleged account was not associated with me or my wife. 

I have now received a notice datedXX/XX/XXXX, from XXXX XXXX XXXX XXXX alleging a further increased amount due on the same account that US Bank has already verified is not mine or my wife 's.
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (GA)

I opened my account with synchrony bank for a tjx rewards card in XXXX. This account offers rewards for purchases. I have used my card for purchases which most times I immediately pay off resulting in no finance charges, only rewards. A few months after opening the account I received a letter my credit limit has been reduced to {$100.00} due to negative history on my credit report. Went in the store today XX/XX/XXXX and card was declined. Logged on to my account to see I had an amount of XXXX available. I called the company who read me a letter stating my account had been closed onXX/XX/XXXX due to negative information on my XXXX XXXX report. This will negatively impact my credit score. This company is fraudulent. I have to think they closed the account due to the fact I was incurring no interest charges but earning rewards. My credit limit should have never been reduced nor my account closed.
Consumer complaint received 2018-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Omega RMS, LLC (DE)

I have disputed several times with XXXX and Omega RMS , LLC, that the collection on my credit report for XXXX Which went delinquent in XX/XX/XXXX ( with no further activity ) should be removed from my credit report. According to The Fair Credit Reporting Act, it states that negative items will remain on your credit report for 7 years from the first date of delinquency. However, Omega has falsified and changed the date to XX/XX/XXXX in an attempt to keep the collection on my report for an additional 7yrs
Consumer complaint received 2018-01-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VA)

I was paying {$520.00} a month on my student loans in 2017. I lost one of my part time jobs which reduced my income by {$10000.00}. My payment increased to {$740.00} dollars which I can not afford. I supplied them my pay stubs that showed I have only one job now with the XXXX XXXX XXXX. They used my gross amount to calculate my payments which increased them by {$200.00} a month which is not right. Now I am in default because if I paid anything less then what they demand I would still be in default. 

My payments where quoted by their rep as {$430.00} which I can make and was told it would be changed. I started this process in XX/XX/2017 and still get XXXX from them. 

I spoke with XXXX # XXXX at XXXX.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

ATTN : XXXX XXXX My name is ( ) and Im writing to you to express my grief and anger over the past few months of trying to resolve an online fraud claim. I have been the best part of Chase since XX/XX/XXXX, placing thousands of my hard earned money into your bank. However, when I needed help, no one was there for me. In fact, I feel Chase fought against me and caused me unnecessary stress and anxiety  as they allegedly investigated my claim. In XX/XX/XXXX, I noticed two unauthorized transactions : {$2000.00} to XXXX XXXX and {$2000.00} to XXXX XXXX XXXX. I immediately notified Chase 24 hour help line and discovered that {$2000.00} had cleared on XX/XX/XXXX. I submitted a claim ( XXXX ) because I did not authorize these transactions using XXXX payment and I wanted to recoup my {$2000.00} which had already cleared to the perpetrator. I completed the affidavit and included additional proof to quickly resolve the matter. My proof included : XXXX County Sheriff Office report ( case number XXXX ), a receipt and phone number from XXXX XXXX, who discovered hack attack, XXXX XXXX, infection, and an official letter from XXXX explaining that my personal information was compromised when XXXX  experienced its breach, and resolution of another account ( XXXX XXXX ) that was also compromised at the same time. Next, I included the steps taken to secure my credit and personal information : a copy of extended fraud alert for seven years from XXXX, XXXX, and XXXX, closed the compromised accounts, deactivated online account, and requested that claims department evaluate how Ive used that accounts over the past decade. To my stunning surprise, my claim was ruled not in my favor. I called the claims department for an explanation and was told that IP address was same as all of my other business ( to paraphrase ). I refuted that these transactions were performed remotely and I didnt have control of my own desktop. The hackers placed a password lock virus on it preventing access to anything on my computer. I had the claim reasserted ( XXXX ). After I called claims online, escalations, supervisors daily, to my dismay I learned that none of the proof that I afore mentioned was attached to my case. This is unacceptable. Whenever I asked for someone in the investigation department, my call was dropped, transferred, or dismissed, being told they dont speak over the phone. Needless to say, I was livid. I had faxed all those documents four times since XX/XX/XXXX, believing that Chase online claims department was doing the one job : to get my {$2000.00}. I invite you listen to my phone interactions with your staff. On XX/XX/XXXX, I called again to hear that my claim was denied, quoting the exact same scripted reason as before. Well, I argued with your staff one final time and closed my accounts because I can guard my money better from my house than Chase can with all the technology they have available. By the way, XXXX, resolved the issue in ten days.
Consumer complaint received 2018-01-31
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Management Partners, LLC (FL)

On XX/XX/2018 I was contacted via telephone from a number showing as XXXX which I was able to determine belongs to Receivables Management Partners. The female caller did ask for me by name but said she needed to verify me by my phone number and/or address. I refused to offer this information to a number and/or party that I do not know. The representative then threatened to call my employer and hung up the phone. At no time did this company say who they were collecting a debt for but instead asked for information that could be used for ID theft.
Consumer complaint received 2018-01-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CHECK INTO CASH INC. (VA)

On XX/XX/XXXX two separate unauthorized, fraudulent transactions were charged to my " XXXX XXXX '' Visa DEBIT Card. The transactions were used at XXXX XXXX. I contacted the Card Issuer immediately upon learning about the transaction and had the card closed and re-issue a new card. First ( 1st ) transaction was for {$190.00} -XXXX XXXX and the 2nd transactions was for {$240.00} -XXXX XXXX . I  reached out immediately to the merchant as well ( XXXX XXXX ) to let them know my card was fraudulently used and contact authorities the card is being fraudulently used. Upon checking, XXXX XXXX Representatives could not tell me who used the card nor could they verify that the card was even used in their system. At first contact with XXXX XXXX, I was told their dispute process is " 40-60 days! '' Its been both, a very frustrating process and experience dealing with this company, XXXX XXXX aka XXXX XXXX XXXX. They kept on giving me the runaround, for several weeks from XX/XX/XXXX through XX/XX/XXXX. I had to encounter rude, lackadaisical representatives at XXXX XXXX aka XXXX XXXX XXXX and long delays getting any information regarding the 2 fraudulent transactions on my debit card. Then they waited to send me a letter mysteriously dated XX/XX/XXXX. But it somehow verified and postmarked by " XXXX XXXX '' on XX/XX/XXXX, that my claim has been denied.
Consumer complaint received 2018-01-31
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (FL)

I received 3 letters from XXXX Credit monitoring membership dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. First letter dated XX/XX/XXXX states that on this same date XX/XX/XXXX the following changes appeared in my credit file : Major Derogatory from Creditor XXXX XXXX in the amount XXXX ( new medical collection ). 

Soon after receiving this information I submitted Dispute Letters to ( XXXX, XXXX, & Experian ) with the above derogatory account information on it that was given to me from XXXX. 

I received a response from XXXX dated XX/XX/XXXX ( less then 10 days of me quickly responding to this report ) stating RE : Unable to Locate Credit Report dispute Request. 

I submitted another Dispute Letter only to receive a XXXX response dated XX/XX/XXXX RE : Dispute Status ... .Based on the information provided to XXXX , our records show that the information you disputed does not currently appear on your XXXX credit report. 

The certified letters that I submitted to the credit bureaus were sent expediently and most importantly I am using the same data that can be found on my current status credit report and the information that I received from XXXX credit monitoring. 

I clearly monitor my credit report very closely and I went from XXXX to XXXX ... 33points dropped and now XXXX dropped another 7 points! I work very hard to get where I am at. 

So how can I have a 33 and now 40 points dropped for the ( only ) negative thing on my credit report in which XXXX and XXXX now say does not exist or can not be found? When it is on my credit reports. All 3 of the bureaus has the same information I am rightfully disputing and all 3 credit bureaus : XXXX, XXXX and Experian each received a letter from me disputing this account and asking for validation.
Consumer complaint received 2024-09-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NY)

The credit reporter company of Equifax sent a false report about me to XXXXXXXX XXXX application Id XXXX and XXXX XXXXXXXX application ID XXXX as a result I was denied from getting a credit card. I had kept calling them on the phone to seek correction but they never answered me after I typed my social security number to them on the phone as they asked for it to see who so they will decide if they will answer that person or not ). They falsely stated no info on file and that I have a short length of credit history. Which completely false I have had XXXXXXXX XXXX for more than 1 year until now, ( while that was active and still active during the report applications ) I had XXXX and other bank credit accounts for many years and had a XXXX car loan from XXXXXXXX XXXX beforetec. Thats just some lists.
Consumer complaint received 2018-01-31
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (TN)

I am XXXX XXXX XXXX  and have been serving in the XXXX for 19.5 years and I have a home that I purchased XX/XX/2005. I have never been missed a payment until late last year when the tenant I had living in my home XXXX XXXX. I was trying to keep up with the payment with me no physically living in the home it became very challenging. Fast-forward I received a phone call from a mail carrier that I know who delivers mail in the area my home is in and she asked me if I knew that my home was in foreclosure and my response of course was no. I reached out to M & T bank and they said that they have been sending notices although I never received anything in the mail. I am not sure how the process work so I reached out to a real estate professional and I was informed to contact the bank again and see what the for sale date is. The bank the referred me to the attorneys who was taking my case. I contacted the attorneys who were handling my date and they emailed me the amount in arrears, the payoff amount and the Foreclosure for sale date. I have tried to work with the bank to get this date postponed as having an active foreclosure and I was told that there was nothing to do. I was told that I did not qualify for the program for military because I bought my house before the program for military was in effect. I do not want to loose my home. I am planning to move into my home once I retire which is in 1 year. I really need help with this matter. I did not work hard to keep up the payments of my home to just finally loose it without any notices at all. I hope that I can get some help in this matter. 
Thank You XXXX XXXX XXXX
Consumer complaint received 2018-02-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Revenue Assurance Professionals LLC (TN)

XXXX XXXX XXXX XXXX has placed a debt on my credit report that I DO NOT OWE. I have written to them several times and told them to return this debt to the original creditor due to insurance dispute. The insurance company is reviewing this in the meantime XXXX was put on notice about this and I am demanding that this be removed off of my credit report immediately. This is a fraudulent use of collection tactics and I am demanding that they are fined in the process.
Consumer complaint received 2018-01-31
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. (TX)

My husband and I disputed many accounts and inquiries on XXXX, XXXX and Transunion in XXXX, 2017. They had 30 days to investigate and prove the accounts belong to us by sending us original contracts for each account. They have failed to do so therefore, by law they must remove the accounts we disputed which they have not. It has been about 90 days. This has damaged our credit and we would like help. Please.
Consumer complaint received 2018-01-31
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (VA)

I purchased a new XXXX XXXX VIN # XXXX   from XXXX XXXX  in XX/XX/XXXX, financed for 6 years through XXXX. At some point my loan was transferred to Ally Financial. The loan was paid off in XX/XX/XXXX, but I did not receive a tiltle and called to inquire ; I was told that they released the lean on the title and that XXXX would print the title if I needed it. In XX/XX/XXXX the car was wrecked and processed by XXXX  as a total loss ; XXXX requires the title to release the settlement funds so that I can get a new vehicle. When I went to XXXX to get the title I was told they could not give me the title because it still had a lean from Ally financial. I asked my wife to call Ally, which she did and was told it would take 24 to 48 hours to process ( I do not have the transaction number ). 10 days later I follow up ; They have no record of my account or social security # but do recognize the VIN of the car. I get the same response as my wife except its 24 to 48 hours for a fax and a week to 10 days for the mail ( transaction # XXXX ). 5 days later still no title release so I follow up again. They transfer me to an account recovery department XXXX who says the system dealing with old accounts is down and they will process it when it is back on line, I asked how long it has been down and when it is expected to be on-line and was told it had been down for at least 2 weeks and they had no information when to expect it to be resolved, and that I have waited 5 years a few more weeks should not be a problem. I call back several times asking for managers or some one who can send a release with out the broken system but have no luck. They all had the same story " they are experiencing technical difficulties and they will call me once they are resolved. I called back the next day and put in another request # XXXX.
Consumer complaint received 2018-01-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Date XX/XX/XXXX between XXXX XXXX  and XXXX XXXX  - Used the outdoor Capital One Branch ATM machine located at XXXX XXXX XXXX XXXX NY XXXX -- to deposit {$500.00} dollars in cash ... The cash was accepted by the ATM no receipt was given, the card was returned by the machine, however the funds of {$500.00} did not go into my account ... Returned to the ATM to find out what happened and the number to call for instances like this.. Spoke to a rep for Capital One got funds Provisionally ... Filed a dispute ... 
On XX/XX/XXXX Capital One said there was no error and when I deposited my paycheck on XX/XX/XXXX they took my {$500.00} back from my checking account essentially taking my paycheck in whole ... I spoke to the rep inside the Branch named XXXX XXXX.. She took my complaint.. I also called Capital One back to dispute the judgement call and was told their decision maybe final and I might not be able to get my money back .. They'll let me know in 45 days after they re-investigate my dispute ...
Consumer complaint received 2018-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

A default judgment is appearing as a collection account on XXXX, XXXX, AND EQUIFAX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  XXXX.
Consumer complaint received 2018-02-01
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. (CA)

A default judgment is appearing as a collection account on XXXX, TRANSUNION, AND XXXX.It is appearing as a collection perhaps to avoid properly categorizing the account as a public record due to AGREEMENTS BETWEEN CREDIT BUREAUS AND STATES ATTORNEYS GENERALS enacted within recent years.In addition, the date of first delinquency has been re-aged.THE DOFD coincides with the date of judgment entered ( ATTACHED COURT RECORD ) which would be impossible considering the nature of the debt, ie : back rent and holdover.The debt was many months prior to the stated DOFD.ALL THREE BUREAUS after numerous disputes permit a false re-aged date of first delinquency and permit a miscategorization of debt, and allow these inaccuracies to fly in the face of their ATTORNEYS GENERALS AGREEMENT, CREATING A LOOPHOLE FOR ACCURACY DEMANDED BY THE FCRA.THE DISPUTED ACCOUNT IS : XXXX, XXXX XXXX XXXX XXXXACCT NO.  XXXX.
Consumer complaint received 2018-01-31
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. (DE)

I have disputed several times with Transunion and XXXX XXXX , XXXX, that the collection on my credit report for XXXX Which went delinquent in XX/XX/XXXX ( with no further activity ) should be removed from my credit report. According to The Fair Credit Reporting Act, it states that negative items will remain on your credit report for 7 years from the first date of delinquency. However, XXXX has falsified and changed the date to XX/XX/XXXX in an attempt to keep the collection on my report for an additional 7yrs
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc. (CA)

I made an international wire transfer of {$9900.00} to Coinbase, but was noticed that the wire was reversed on XX/XX/2017 because the account name didn't match. I still don't receive the money in the bank now. I have contacted Coinbase by email, but no reply for more than a week.