davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-15
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Frequent or repeated calls
Company: HILLTOP HOLDINGS, INC (OH)

I had a forbearance in XXXX XXXX and XXXX. And end of XXXX i decided to end my forbearance because of going back to regular hours of my job. I made some of my total debt and after couple weeks i called again to pay rest of my debt bc of forbearance. Person at phone told me that there is a new option XXXX  XXXX  brought and told me to put my debt to end of my mortgage payment and i can start monthly payments with no interest or anything. Person at phone also told me not to make any payment until i receive some papers by mail. I wait weeks and weeks. Called them end of XXXX andXX/XX/XXXX times. Each time i call they said i will receive papers and let me wait. But at other hand primelending kept sending me bills to make payments all of them once. Each time i make a call they ask me to pay and i remind them i had applications for put my debt to end of mortgage payments. Their answer is " well i will take a note here '' this situation scares me that one day i will get forclosure papers. Please do something. It's so stressful situation. XXXX XXXX XXXX
Consumer complaint received 2020-10-14
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$810.00}, {$0.00}, {$690.00}, {$590.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I  am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$810.00} -This is not my account. 

-- REAL ESTATE LOAN 2. XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$690.00} -This is not my account. 

4. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$590.00} -This is not my account.
Consumer complaint received 2020-10-14
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. (MD)

This is my second dispute about these fraudulent accounts and inaccurately reported accounts. XXXX XXXX account number XXXX is inaccurately reporting late payments.Its reporting late payments from XXXX, XXXX I HAVE NEVER BEEN LATE WITH THESE PAYMENTS. I also have XXXX XXXX/XXXX XXXX account number XXXX is a FRADULENT ACCOUNT. I am building credit profile and these inaccurately reported accounts are causing emotional distress for me and my family.
Consumer complaint received 2020-10-14
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Absolute Resolutions Corp. (OH)

absolute resolutions investments llc is takeing me to court for a debt that i have no knowledge of, i contacted them and told them the signiture that they have is not mine and the bank account number is not mine and has never been mine yet they still insist that i owe this debt, they are sueing me in court and have now sent me a letter stateing they may submit to the credit reporting agency which they have already done, i am tryig to figure out how they can do this. i fully intend to stand up in court on XX/XX/2020 and tell the judge how they are trying to railroad me for someone elses debt, i am on XXXX  and i can not have my bank account garnished and they think i am going to fold and pay this debt which i am not i will stand up and fight untill someone hears what i am saying,
Consumer complaint received 2020-10-14
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. (MD)

This is my second dispute about these fraudulent accounts and inaccurately reported accounts. XXXX XXXX account number XXXX is inaccurately reporting late payments.Its reporting late payments from XXXX, XXXX I HAVE NEVER BEEN LATE WITH THESE PAYMENTS. I also have XXXX XXXX/XXXX XXXX   account number XXXX is a FRADULENT ACCOUNT. I am building credit profile and these inaccurately reported accounts are causing emotional distress for me and my family.
Consumer complaint received 2020-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MD)

I called XXXX, after getting the telephone number off their website on the computer. I talked to a guy who told me that I was over-charged for item / items and I '' ve an refund coming to my account. He told me he had to do a remote sharing on my computer with me to deposit the refund. When he was on my computer, he started down-loading XXXX Gift Cards ( {$60.00}, {$40.00}, {$30.00} ) XXXX 'XXXX  amount {$130.00}. Chase says the amount is {$160.00} is what's owes? I went to Chase Bank office twice, once in XXXX and once in XXXX of 2020. Back in XXXX I talked to a banker at the bank who told me not to worry about it I did not have to pay it and gave me a print-out of XXXX- balance. That night I checked my Chase/XXXX   account that said XXXX- balance, I also recevied a letter from Chase saying " The Fraud Department rules in your favor in this matter, this is XX/XX/2020. In XX/XX/2020 I received a letter from Chase informing me that I owed {$160.00} for the purchase of XXXX Gift Cards. I went to Chase Bank, talked to the Banker a second time along with his boss about the matter. They said " they don't know why this is happening to me? " At this point, it's time to get some Third Party Assistance, CFPB.
Consumer complaint received 2020-10-14
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: S&S Physician Services, Inc. (TX)

Hello, My name is XXXX XXXX. I am writing this complaint regarding XXXX. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME. They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions, yet I have been patient with them due to the Covid problems and they do not have any extra time allowed, even with these issues.
Also, I have verified my identity multiple times. They have been done through the phone, mail and fax.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020 XX/XX/2020 They are more dates going all the way back from XXXX of this year.
Consumer complaint received 2020-10-15
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/2020 at around XXXX I applied for a new auto loan through Chrysler Capital and was pre-approved for {$39000.00}. There was a specific vehicle that I applied for which was a requirement for me to get details of the loan. I tried many times to get the details of that loan and was constantly denied ( by getting the " run-around '' ). I called their customer service phone line ( XXXX ), and was told to call the dealership directly and they would in turn call them and get the loan details for me. But when I called two different dealerships they told me a whole different story, TWICE! and never got any details of an auto loan that I applied for. I called Chrysler Capital again and once more I was told to call the dealership. 

So I basically got my credit pulled and was approved for an auto loan without getting any details of the loan. Completely illegal since they are suppose to give me all the details of the loan.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that i needed to take action. I pulled my credit report and there are many fraudulent accounts that do not belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX {$740.00} XXXX XXXX {$430.00} XXXX XXXX XXXX {$1600.00} CHAPTER BANKRUPTCYXXXX {$0.00}
Consumer complaint received 2020-10-15
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. (OK)

On XXXX first 2020 i sent in letters to all three credit bureaus because of the covid 19 i decided to take a look at my reports and found some in accurate information and thirty days had pasted with not one response, so i decided to send in another letter asking the credit bureaus to please send me some correspondence on the matter. I just didnt know what else to do but contact the cfpb. I will be uploading the exact letters that were sent to all three bureaus.
Consumer complaint received 2020-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED THE ACCOUNTS AND INQUIRIES. THE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.
Consumer complaint received 2020-10-15
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: CITIBANK, N.A. (NV)

Hello me and my wife traveled to XXXX XX/XX/XXXX to XX/XX/XXXX. We had purchased return home flights months before we went. At the end of XXXX is when the pandemic hit and the world was shutting down. Our return home flight was canceled, we would purchase another one and it would be canceled again, this happened several times. We finally found a flight on XXXX ( on Wednesday XX/XX/XXXX ) XXXX  had asked for our passport info. while booking these flights. This flight had a connection flight in XXXX, XXXX. When we got to the XXXX airport the next day ( Thursday XX/XX/XXXX ) for our flight, we were told we could not get on a flight to XXXX. XXXX closed its boarders to non-citizens on Monday XX/XX/XXXX. We tried getting help from XXXX  to get a refund or transfer the money to another flight with no help. We tried talking to the airlines directly with no help. We ended up getting a flight home with the help of the airport staff. Once we got home we filed a charge back with the credit card company that we used which was Citi. This was {$1900.00} in flights that we couldn't get on and XXXX was not helping and neither were the airlines. Citi gave us our money back but then took it back 2 months later. We kept the dispute open and spoke with someone about what a scam XXXX  is. There is even a XXXX   group about XXXX that I have looked to for answers, there are over XXXX members. We received a letter from Citi 3 months later saying that due to the time frame they are not able to help us and closed the case even though when we initially filed it was well within the 30 days. XXXX said that refunds could take up to 6 months. It's been well over that. XXXX is a terrible scam company and needs to be shut down. There are 2 issues here and I am asking for a charge-back due to non receipt of goods purchased and/or services. I would like to exercise section 75 of the Consumer Credit Act 1974 and get a charge-back in the amount of {$1900.00}
Consumer complaint received 2020-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I took out a series of student loans over time beginning from XXXX to XXXX. During those timeframes, some of the schools closed, loan offices closed, companies failed to honor my requests for appeals, my work, unemployment and income taxes both state and federal were garnished! I have no paperwork from anyone! I have requested copies of the paperwork! I dont have access to my own internet or phone due to COVID! I have continuously tried to get this information! Have the correct information reported to the credit bureaus and to be used a refund with interest and back pay effective immediately!
Consumer complaint received 2024-11-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

i am writing to file a formal complaint regarding an unauthorized credit inquiry made on my credit report. The inquiry was conducted without my consent or authorization, and I am requesting your assistance in resolving this matter in accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605 ( b ) and 15 U.S.C. 1681c-2.

I, did not provide written or verbal consent for the credit inquiry in question. Under the FCRA, credit reports may only be obtained under specific circumstances where the consumer has explicitly authorized the request. I have not given permission for any third party to access my credit report, and I dispute the validity of this inquiry. 

The unauthorized credit inquiry is negatively impacting my credit file, and I am seeking immediate resolution. Specifically, i also did a debt validation and the company defaulted which was sent to all 3 credit bureaus
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

In XX/XX/XXXX I was in a car accident that was my fault. I was XXXX years old and had no financial help. I used a XXXX XXXX credit card to pay to fix the other persons card which made the total {$4100.00}. This maxed out my limit and then I proceeded to make minimum payments. XXXX XXXX then closed my card in XXXX of XXXX. Multiple collection agencies passed it around and it recently ( XXXX ) landed at a new collection agency. The current agency is Porfolio Recovery Associates. They are falsely reporting that my card closed in XXXX when it closed in XXXX. Due to this card being closed for just under 7 years I would like to have it removed from my credit. I am now 6going on 7 years older and would like to progress in life and I can not do that with this delinquency from when I was younger and immature at the hands of a recovery agency I have never heard of nor has contacted me.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

Someone got hold of my credit information for XXXX XXXX, XXXX XXXX XXXX and used my cards which Ive contacted the company right away and they removed the negative items from my credit report and now its back
Consumer complaint received 2020-10-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kohn Law Firm S.C. (WI)

Kohn Law firm started calling and mailing me letters back in XXXX. In XXXX of XXXX, I was sent legal paperwork that I had lost a case and a judgement had been put against me. in addition i needed to talk with kohn law firm to make payments on this debt. I agreed to payments of  about XXXX a month for about 19 months to pay off the bill in full. 
I just checked my credit it hopes it had gone up since i was making monthly payments and instead of seeing the debt go down they increased it by XXXX dollars causing my XXXX  credit score to go down my 33 points. 
I then called kohn law firm and spoke to a very pretentious woman who told me that they don't report anything until it is paid off and then a guy  named XXXX who was a bit nicer who told me they report all of the payments and that the I needed to talk with XXXX XXXX and not kohn law firm. due note since kohn law firm has the file XXXX XXXX  will not talk to me. 
They have documentation of all payments that they can provide but for me to get that they want me to pay them.
Consumer complaint received 2020-10-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: GreenSky, LLC (MI)

XXXX XXXX headquartered in Tennessee, along with their 3rd party debt collector, are trying to not only steal money from me, but are  ignoring my complaints. XXXX is a XXXX XXXX XXXX  treatment company in which I signed up for a half off discount on laser services. I only went for 4 XXXX and not only did they not work, I became XXXX and could no longer drive to XXXX. Also, with a compromised XXXX XXXX, I can't get XXXX  on my XXXX  yet they are still charging me {$75.00} a month. They have already sucked {$1000.00} out of my bank account and now want $ XXXX even though I stopped getting treatments over a year ago. I talked to the director of XXXX XXXX, and she told me she didn't know why they were charging me that much, yet she said she can't do anything about it. That is not the way to conduct business. I wrote the director again a couple of days ago because I found out that GreenSky has a class-action lawsuit against them and over XXXX complaints on this sight. Nobody is helping me. They are pretty much stealing from a low-income XXXX citizen.
Consumer complaint received 2020-10-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial Services makes repeated calls to my cell, does not leave a message, only lets it ring maybe two times and hangs up. When  I finally got the chance to answer a guy named XXXX didn't read the mini miranda just went right in to threating me to pay a medical debt I wasn't aware I even owed. Then when I asked for documentation he told me that we are way passed that point and I need to get real about paying my debt. When I asked to resubmit it to my insurance company which I've maintained for over 5 years now he threated me about paying again.
Consumer complaint received 2020-10-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (VA)

Chase bank is holding my account balance, and I would like my money back. They cancel my transactions even deposits. They closed my account and I could not use it for a week, without telling me. It took 2 hours on the phone for the representative to tell me that The Corporate commission put my account as inactive. The CSR said they do not have to tell me their reasons. I resolved the issue and started looking for another bank. 
They said there is no transaction fee for veterans. I am a veteran. The bank charges me a fee for transactions. They said they closed my account 1 month ago. As you can see from the attachment the account is locked. I can not access the online account it is locked. I get emails from them to check my balance and get my statement. As you can see from the attachment the email was a few days ago and the account is locked for over a month. If the account is locked how am I supposed to check my balance? That does not make any sense. 
A customer service representative told me the fraud department closed my account and will send me the balance of my account within XXXX business days. It has been over 20 business days and I have not received the check. I call every day and they put me back in the phone loop, argue with me, or leave me on hold for XXXX minutes. They have awful customer service.