davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-02
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (VA)

XX/XX/2019, Company started calling me at my job on a daily bases. 

XX/XX/2019. I called the company and asked them to stop calling me, they stated they would stop, however they continued on XX/XX/2019 XX/XX/2019. I called them and statedthat I would make a payment on XXXX XXXX, when I arrived at the bank to cash my check they had ACH my account for 2 payments which put my account into a overdraft mode which I am unable to pay.
Consumer complaint received 2017-08-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc. (TX)

I did not authorize any of my medical providers to disclose any of my personal or medical information with a third party or collection agency. My medical information is no longer undisclosed. I have filed a HIPAA complaint with the U.S. Department of Health and Human Services Office for Civil Rights Complaint Portal : Health Information Privacy. I request validation of this debt per Texas Finance Code Section 392.202 which requires a debt collection agency or credit  bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101 - my original signature on the application from the creditor - my original signature on an application with your office consenting to any service Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation  request, then they have essentially admitted, per XXXXexas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification by mail if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response via US MAIL. Do not contact me by phone as it is inconvenient. Do not contact my family, acquaintances, or employer in any manner. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter ; and ( 2 ) actual damages sustained as a result of a violation of this chapter. Please also note Texas BCC17. I demand that you will not sell, transfer, or assign this debt per Sec. 392.301 ( a ) ( 4 ). Regards
Consumer complaint received 2024-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diverse Funding Associates LLC (TX)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Consumer complaint received 2019-05-30
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: Experian Information Solutions Inc. (FL)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I HAVE DISCOVERED SOME ENTRIES THAT WERE IDENTIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY CREDIT REPORT. PLEASE REVIEW THE ATTACHED DOCUMENTS FOR THE DISPUTED ITEMS.
Consumer complaint received 2019-06-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE (MA)

I applied for a XXXX XXXX card that is handled by Barclay 's Bank. According to my XXXX website I have a XXXX credit score. I pay all credit card balances each month. Barkclay 's denied my application for the credit card. I called the XXXX telephone number and was told that I would receive an explanation letter. That letter never arrive. A second call and I was told by a representative who was reading from a script that I could not be given information over the telephone. In the meantime, I had removed the freeze from my three credit reports and they were about to be frozen again. 

Without an explanation, I am led to believe that Barclay 's Bank is engaging in Age Discrimination. I am XXXX years old and retired. I have adequate retirement assets to pay off any credit card balance. There is no mortgage or any other form of debt. 

I believe Barclay 's bank should be censured and fined for its illegal practices.
Consumer complaint received 2017-08-23
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: Experian Information Solutions Inc. (IL)

I first sent letters on XXXX XXXX, 2016, letters attached and Return Receipts, to XXXX and XXXX XXXX, after checking my Experian credit report and noticing XXXX and XXXX making an inquiry into my Experian credit report, asking why but never received any responses from them. Made numerous phone calls also and they can not remove it due to " ME '' allowing them to run it but clearly told them I never ever applied for anything from their companies. Since it is against the FCRA, 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] for an entity to view a consumers credit report without a permissible purpose. I am writing to inquire as to XXXX 's and XXXX 's alleged purpose for doing so since I did not apply for credit with their companies. This inquiries were performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I then sent a letter to Experian, letter attached, and did not also receive any responses from them. Then I made a phone call to them and Experian told me they can not do anything about these inquiries and that I would have to contact XXXX and XXXX, which I did numerous times, and still these inquiries are on my Experian credit report. What do I do now? I am very confused as all three parties are not doing anything about deleting this unauthorized inquiry.
Consumer complaint received 2019-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: COMMERCE BANK (MO)

On XX/XX/2019 I transferred my debt to Commerce Bank and wasn't told about interest on purchases. Then i made purchased varies in dates and found the first interest charge. Well I kept calling to find out how much I needed to pay to have the interest to stop. I kept paying what i was told and still being charged interest. On XX/XX/19 I  finally asked to speak with manager and the guy said he couldn't tell me anything other than that i still needed to pay XXXX dollars. He couldn't tell me how much more i needed to pay to get it to stop. So some of my payment went to the purchases and the balance. So I am being robbed. I asked for the XXXX interest charge to be removed if i paid the amount that day and the lady on XX/XX/XXXX submitted it. The manager said it got denied because it wasn't a bank error.
Consumer complaint received 2017-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BARCLAYS BANK DELAWARE (NH)

I received a credit card f rom Barclays Bank that I never applied for. I contacted that bank immediately and Barclays informed me that an online credit card application was applied for using my social security number and other information. I requested further information regarding the online application, such as the source location. I then followed through with the identity theft steps outlined at IdenityTheft.gov, one of which is to send Barclays a letter requesting records Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act, which I s ent on  XXXX   XXXX ,   XXXX  . Along with the letter I enclosed the following documentation : Proof of my identity : A copy of my drivers license.   Proof of my claim of identity theft : A copy of the police report about my identity theft.   A completed and signed FTC Identity Theft Report.     I request ed that Barclays provide all records relating to the fraudulent account, including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Section 609 ( e ) of the Fair Credit Reporting Act states that Barclays must provide documentation of fraudulent transactions resulting from identity theft,  not later than 30 days after the date of receipt of a request from a victim. As of  XXXX   XXXX ,   XXXX  , I have had no response fr om Barclays regard ing the request for records.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Convergent Resources, Inc. (GA)

Credit companies deletes my collection for  XXXX   XXXX   XXXX ,  XXXX  and   XXXX    XXXX  but then adds it back with a new date.
Consumer complaint received 2017-04-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

For the life of the loan, since  XXXX , not once have I been offered a reasonable amount that I can pay.   I go through this every year. The last time, in  XXXX , I was offered to make monthly payments of over {$500.00}. I keep getting on forbearance year after year after year.   My loan has ballooned from about  $ 35K to almost $ 55K. I  am able to make reasonable payments, not an amount that puts me in a position of having to choose between daily needs and repaying a debt. Thats why I always end up in forbearanceyet again allowing  for Navient to ball oon the loan.
Consumer complaint received 2019-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I was informed by a auto dealership that my Trans Union Credit report stated my XXXX XXXX was reporting as a repossession and written off as a bad debt. The vehicle was not repossed and I was making payments on the vehicle. When I contacted the XXXX XXXX company they reported I was current, and had no idea why Trans Union would report that and not have me as current. This major error has played a great role in me being denied for credit, and negativity affecting my credit score. XXXX contacted Trans Union and supposedly this has been corrected. How can I be sure of that? Also this does not change the fact it had hurt my credit score majorly.I expect some type of reversal of my poor credit reporting. And want to know if I can take legal action against Trans Union for compensation.
Consumer complaint received 2019-05-29
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Last Friday, XX/XX/XXXX I closed my checking account with Bank of America. This includes my safety deposit box as well, which I had been paid for annually on XX/XX/XXXX for {$85.00} dollars. I did ask for a prorated credit for the remaining time to XX/XX/XXXX. No prorated refund for the remaining 9 months of the year. I'm sure they will probably rent the safety deposit box and secure rental fees.
Consumer complaint received 2017-04-25
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. (AL)

Hello.   Something wrong with my credit report.   Some information that Experian has is not mine. (   XXXX   XXXX   XXXX   ) I am not good at English.   So I have tried to contact Experian several time through online to avoid misunderstanding.   But they never give me their response.   Please remove these errors from my report.       1. Someone who I do n't know is on my report.
2.   Some   XXXX   card number is not mine.     Please see attachment.     I 'd appreciate it if you could check this and send me your response.     Thank you.
Consumer complaint received 2017-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have  XXXX  entries on my credit report for the same student loan with the  U.S. DEPT OF ED - DIRECT. These loans were transferred to :   XXXX   several years ago . As of today   XXXX   XXXX   XXXX  , my students loan accounts are in a satisfactory status. It lists this on my credit report under the new student loan creditor info :  XXXX . all of my loans were transferre d to one comp any  XXXX . and they are now current but even though I have entries that show that they are now current under  XXXX  I still have those  XXXX  entries that are dated as far back as far as   XXXX   XXXX   XXXX   on my report.       old company  Creditor Contact Details U.S. DEPT OF ED - DIRECT    XXXX   XXXX   XXXX   XXXX  , TX  XXXX  (  XXXX  )  XXXX  transferred to : Creditor Contact Details  US DEPT OF EDUCATION/  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , WI   XXXX   (  XXXX  )   XXXX
Consumer complaint received 2019-05-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (FL)

My mortgage used to be serviced by Seterus. It was transferred to Mr. Cooper. When I got the first statement it had a fee for over {$700.00}. I sent Mr. Cooper the prior statement from Seterus, which shows that only the mortgage payment was due, no other fees. They referred me t Seterus, who I have contacted multiple times with no response.
Consumer complaint received 2019-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital Ome Bank had a balance of {$2700.00} was closed XX/XX/XXXX. Was sent to collections and a law firm named XXXX and XXXX. XX/XX/XXXX I settled with the law firm and made a payment of {$2000.00}. My credit report states I owe capital one {$680.00} however I have a letter from the law firm XXXX and XXXX that the account is settled. This account should be removed as I paid the law firm then settled amount.
Consumer complaint received 2019-06-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical-Commercial Audit Inc (MO)

I have issued a formal dispute with the credit reporting agency XXXX and XXXX over a bill that has NEVER been verified with me. This debt is held by a collection agency called Medical Commercial Audit Inc. NO verification letters have been sent to me plus I have requested this many times, litigation is  pending. 

The original account open date of so called collection account is XX/XX/2014, this is still open and unresolved. I believe this debt has no validity and therefore has every right to be disputed. MCA has no intentions of deleting this account from my credit file it seems so appropropriate action will be taken. 

I demand this Co. take action immediately and satisfy this complaint and take action to remove this entry from your database and ALL credit reports immediately. 

Further action such as reporting this to the XXXX and other Complaint Forums will be done right away and made public.
Consumer complaint received 2019-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (MD)

On XXXX XXXX, 2019, I processed a payment of {$530.00} for my credit card ( # XXXX ) balance. Forgetting that I had done this, on XXXX XXXX, 2019, I processed another payment of {$530.00}. Both payments were posted on XXXX XXXX, 2019, making my account going into the negative as a refund of {$530.00} was due to me from Chase. I called Chase and spoke to a representative. I explained to him that thus, has never happened before, as I normally get a system prompt that I am not able to process payment because there is a pending transaction. The representative explained that Chase will issue me a check in 7 for the overpayment amount of {$530.00}. I asked for an explanation for why the system allowed me to process a duplicate transaction, and pay against a XXXX balance. The representative informed me that they will send my account for review and see what went wrong. 

The following week, I was not able to use my chase card, as every time I used it, transactions were being denied. I called Chase on XXXX XXXX, 2019, and spoke with XXXX ( Account Supervisor ) from XXXX Arizona. He explained that my account went for review, and there were several transactions that were returned back in XXXX, 2019 ( XX/XX/XXXX, XXXX, and XXXX ) ; therefore, Chase decided to close my account on XX/XX/ 2019. I was very confused about this and explained to him that I already spoke to customer service in the past about this. I have been a long standing Chase customer for over 15 years, without a single delinquent and/or outstanding payments. I have two XXXX XXXX   accounts associated to my Chase credit card, and the payments in XXXX were being posted against the wrong account, which I was confused, and called XXXX XXXX to find out. 

After discovering they were going to the wrong account, I changed the payment account in Chase and paid my balance. The three returned payments were the same transaction, as I was attempting to pay my credit card balance. When I discovered why the payments were being returned, I was able to pay off my credit card balance from the right account, and on time without any late fees. Also, keep in mind that I monitor my credit with Chase and have an excellent credit score ( over 800 score ). My credit limit with Chase was also increase last year. 
Chase refuses to reopen my account. Due to the undue hardship, and this being my longest credit account that has been closed, which have impacted my credit score.
Consumer complaint received 2020-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (NC)

Had a mortgage with XXXX/XXXX since XXXX. Sold home in late XX/XX/XXXX. 
XXXX is now Shellpoint Servicing. Shellpoint is reporting on my husband 's and my credit reports that we are 120 late and transferred to another lender. 
After the sale of the house! 
We were under contract purchasing a property when this showed up on our reports in early XXXX. We have lost our lender and our opportunity to purchase the property. 
Our credit is ruined until this is resolved. 
I have called and e-mailed Shellpoint daily. 
E-mails include all documentation of sale of house. 
I can not reach a person with any authority to rectify this. 
There is only one number to call XXXX. 
I will be reaching out to the Attorney General and a lawyer on Monday. 
I appreciate any help with this matter.
Consumer complaint received 2021-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have an account XXXX Checking Line of Credit XXXX, that is reporting adversely on my Transunion account ; however it has exceptional payment history and has never been late or past due. I have talked with my bank to see how they are reporting it ; however they are only reporting the status and the amount paid. This account is not adverse, it is current and should be moved to satisfactory status. This is my second time reaching out about this ; however the issue is never resolved. I have attached a recent snip of how this is being reported on my account. Its clearly being reported incorrectly.