davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-22
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. (SC)

I disputed an account being reported to my credit report by XXXX XXXX XXXX XXXX in the amount of {$8800.00} on XX/XX/2016 after formally disputing with the company directly on XX/XX/2016 and again 31 days later on XX/XX//2016 when they failed to respond within the 30 days required by the FDCPA including but not limited to Section 807-8 and FCRA. I provided copies of my reports time and date stamped confirming my accusation as proof they failed to respond. They have failed to also meet the same regulations set by the FDCPA and FCRA. 

I further filed a complaint with the FTC on XX/XX//2016 when I could not get either entity to follow Federal regulations.
Consumer complaint received 2019-11-12
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: NAVY FEDERAL CREDIT UNION (MI)

On XXXX I contacted my credit card company ( NFCU ) and reported fraud charges that were made in another country. I was in the USA at the time of these charges. 
My current balance at this time showed {$5800.00}. I was told there would be a temporary credit and once investigation was complete the credit would be permanent. 
The amount of the fraud is about {$2400.00}. 
However, today my balance in still {$5800.00} NFCU has not credited my account to reflect the fraud therefore will be reporting inaccurate information to the credit bureaus.
Consumer complaint received 2019-03-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (IN)

I am receiving repeated calls from a " processing center. '' The phone calls are abusive and threatening. The representatives threaten to " see you in court '' and " serve you with papers at your home or work '' this is regarding " two complaints '' they claim to have from HSBC Bank. They claim the complaints are regarding " breach of contract '' and " failure to pay ; '' However, as I stated previously all debt related to this account was discharged in bankruptcy in XXXX. I have told them repeatedly that the balance of HSBC account to which they are referring was discharged in bankruptcy. They will snidely reply " see you in court '' and/or " good luck in court '' and hang up the phone. These calls began in XX/XX/XXXX and have continued through XX/XX/XXXX. They even called and left three separate voicemails with my abusive ex husband which endangered my personal safety.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc (IN)

Bull City Financial is continuing to report a item on my XXXX report that is fraudulent. The item is currently under investigation with the FTC, yet Bull City is still attempting to break FCRA guideline by reporting the fraudulent item on my XXXX  report.
Consumer complaint received 2019-05-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO. (WA)

I tried to dispute a credit card charge to on XX/XX/19 online at chase.com.  ( XXXX : XXXX # XXXX XXXX XXXX ) After filing out 4 pages of Q & A I hit submit. It came back with " Itlookslikethispartofoursiteisn'tworkingrightnow. Please try again later. Thanks for your patience. '' I tried again on XX/XX/19. Same not working response. Tried again on XX/XX/19. Same not working response. I tried again on XX/XX/19. Same not working response. 

1 ) Why doesn't CHASE tell me that this part of their website doesn't work BEFORE I fill out 4 pages of Q & A?

2 ) Why is CHASE.COM website dispute function not working for 2 weeks? How long has it not been working? 

I complained about this on XX/XX/19 to XXXX XXXX and her supervisor XXXX and basically got told that those web functions are somebody else 's responsibility and I couldn't complain to them.
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FMA Alliance, Ltd. (FL)

I received 2 calls from FMA Alliance, one on XX/XX/XXXX and one on XX/XX/XXXX. They stated in reference to XXXX XXXX. They wanted my date of birth which I would not give them. On XX/XX/XXXX I went to XXXX XXXX and requested why is a collection agency calling me. I was told that some one took out Online accounts using my name and my SS # in another state, North Carolina in XX/XX/XXXX. The Bank referred the accounts to FMA Alliance. I have since filed a complaint with FTC Identity Theft and sent Letters to both XXXX XXXX  and FMA Alliance. XXXX XXXX did respond to me with an apology and closure of accounts. However, FMA Alliance after two Letters have not responded to me. As per the USPS they have received my letters. I do want some acknowledgement from them as they did contact me re this identity theft. I also sent them some of my Identifications. I want a response from them.
Consumer complaint received 2019-02-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focused Recovery Solutions, Inc. (VA)

A medical bill for XXXX XXXX XXXX was setup on a credit card to be charged each month. At some point, as happens frequently to us, our card was compromised and canceled and re-issued. If yo have ever had this happen, is it not easy to forget all the payees that may have your card? It is very easy to forget. No new letters, no calls were received. While in the process of buying a home for my elderly Mom to live near us, we were alerted of a collection. I immediately called : FOCUSED RECOVERY SOLUTIONS Agency Address : XXXX XXXX XXXX   XXXX. 
XXXX, VA XXXX ( XXXX ) XXXX and inquired about the account being on my credit report. I politely, asked questions, and confirmed that the credit card payments had been interrupted by the credit card breach. The very next day, I paid this in full and Focused recovery explained my flex spending would be charged, and the record on the CRA would be deleted. Well, they issued a XXXX  balance to the CRA 's, but not a deletion request as expected. 

An overnight letter, XXXX, was sent, with no response and no deletion order sent to the CRA 's. I have this tracking number if required, please contact me. 

This should not impact my ability to get a good rate on a mortgage, because no-one called me about the credit card payment issue, no letters were received. I have no collections, and never missed a payment on any accounts.
Consumer complaint received 2019-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Bureau Collection Services, Inc. (KY)

In XXXX of XXXX, I received a letter in the mail from CBCS stating that I owed a {$4300.00} bill for XXXX XXXX of XXXX. I immediately called to dispute the claim. I let them know that the bill could not possibly have been mine because I left XXXX when I was XXXX years old when I moved to XXXX to attend school. I have also spent the past few years abroad, and in fact XX/XX/XXXX was the first time I opened up a utility bill account under my name in the United States. I also let them know that I am currently disputing another fraudulent account that was taken out under my name while I was living in XXXX XXXX in form XXXX-XXXX. They said that they would send me paperwork to fill out so I could file the account as fraudulent. In XXXX, after a month of not receiving anything, I called them again. They said that they had " mis-written my address '' ( although they had been sending me letters to collect the amount they claimed I owed ), and that they would send me the packet so I could file it as fraud. A month later, today, XX/XX/XXXX, they sent me a letter saying I still owed the full amount. I tried to call the number that they listed in their letter ( XXXX ), but it was just infomercials, with another number to call at the end ( XXXX ). This number also just lead me to more infomercials and when I refused the " free trip '' offer, it hung up. I called their offices, which were closed and left a voice mail. I strongly believe that this company is giving misleading information and faulty numbers in order to drag out the 30 day period they claim to give in order to legally come after me, even though this is a fraudulent charge.
Consumer complaint received 2019-06-24
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. (WA)

XXXX  ; Experian and XXXX are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 ) bureaus. ( Please see pages 8 and 9 of the attached credit report. ) This incorrect reporting is harming my credit score. Please remove these line items from my credit report.
Consumer complaint received 2019-06-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TX)

FedLoan Servicing refuses to accurately calculate the number of qualifying payments I have made toward Public Service Loan Forgiveness. I sent in my most recent Employment Certification Form on XX/XX/2019. Based on that ECF, I have made 80 qualifying payments. FedLoan says I have only made 79 qualifying payments. The discrepancy is because FedLoan automatically ( NOT at my request ) places me in forbearance every XXXX when it re-calculates my income-based repayments for the coming year. When in forbearance, any payment I made during that time is not counted toward PSLF. I have brought this to FedLoan 's attention repeatedly. This is an easy fix. Instead, FedLoan miscalculates ( intentionally, in my opinion ) the number of PSLF payments. The effect is delayed forgiveness. I can only assume that FedLoan is aware of this and it purposefully doing this to add to its books. It's time for Congress to step in and remove FedLoan from the handling of PSLF loan payments.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: General Motors Financial Company, Inc. (TX)

showing accounts that are paid but wont show up on my credit reports this has cause me harm without a reason doubt report the error or correct it they cant say it's not correct b/c I saved and printed fom their website XXXX, XXXX, and XXXX
Consumer complaint received 2019-05-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

On XX/XX/XXXX I attempted to log into my Wells Fargo online account and was unable to. I received a message asking that I call customer service. I called and was connected to online Fraud department. I was told that my online banking had been deactivated due to online fraud. After verifying information with the rep, she set up a new username for me to use to log in. I was then transferred to another rep to change my password. The rep wasn't able to change my password on the phone, he advised I would have to go to the branch or ATM to verify my phone number. 

On XX/XX/XXXX I was able to stop at an ATM to verify my phone number. I was then able to reset my password and log into my online account. Upon logging to my account I saw that my checking account was overdrawn due to transactions that had been reversed. When I talked to the online Fraud rep on the XXXX, I explained to her that I was a victim of domestic abuse and as part of the financial abuse, my ex had called the bank to dispute bill payments and money transfers made while we lived together after he got arrested for domestic abuse and ordered not to return to my home. 

He disputed a mortgage payment made to XXXX XXXX  on XX/XX/XXXX for {$930.00}, a {$500.00} XXXX XXXX made on XX/XX/XXXX, a {$300.00} XXXX XXXX  made on XX/XX/XXXX and a {$980.00} XXXX XXXX made on XX/XX/XXXX. Wells Fargo Bank reversed the credits and debited my checking account for the total without doing any investigation or due diligence to determine if the amounts were authorized or fraudulent. 

I do have communication between my ex and I that would prove the above transactions were valid and authorized. Furthermore, his account address was the same address for the mortgage he disputed. Wells Fargo did not investigate his claim, nor did they contact me to get any information regarding the above transactions. 

As a result of this, my bank account has been withdrawn since XX/XX/XXXX and since all my bills are on auto pay, Wells Fargo has been charging me either a {$35.00} overdraft fee, or a {$35.00} NSF fee for each transaction that has been sent to them for payment. As of XX/XX/XXXX I have been hit with 15 {$35.00} fees totaling over {$520.00}! Furthermore, I have also been hit with fees from the companies whose payments were unsuccessful! 

Common sense calls for a good fraud investigator to use any initial information to find more evidence and information to support or refute a claim. It is safe to assume that when customers report a fraudulent transaction, a bank will investigate the charges before taking action. Isn't it common sense that part of the investigation would include contacting the alleged perpetrator to get their side of the story? I would think so.
Consumer complaint received 2024-08-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

Hi, I'm submitting this complaint because I have nowhere to turn to! Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 
In accordance with the FCRA and Metro 2 compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Consumer complaint received 2019-02-21
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

My request for mortgage modification on XXXX XXXX was sent to Select Port Folio with my financials to request a mortgage modification. Spoke with customer service and was told they were not processing my request. I don't want to lose my home. 
I've been given the run around trying to get help with keeping my property. 
Please Help
Consumer complaint received 2019-02-21
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Perfection Collection (IL)

Original debt was from the security company XXXX, I ordered a security system for my home and was promised a set rate and equipment, i did not receive the proper rate or equipment as well as other perks promised. I then canceled after that and spoke to numerous individuals at XXXX and was told that I don't owe anything. I later found out they put my account into collections, I have spoken to XXXX numerous times to no avail. The debt was then handed over to Perfect Collections, I have also tried to resolve the issue with them to no avail. Perfect collections open the account XX/XX/2017 and just updated the collection. My credit score has dropped over 90 points and this is affecting my credit and purchasing ability tremendously. They are reporting that owe {$1700.00}, I have received many harassing calls indicating that my assets will be seized due to this collection. XXXX has a history of this kind of practice and something needs to be done, they frequently use bait and switch tactics and need to be held accountable for misleading consumers and then turning accounts over to collections once you call them out on what they did not deliver!
Consumer complaint received 2019-02-21
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: 2288984 Ontario Inc. (TX)

borrowed XXXX do not agree with payment agreement due to loan sharking activities for such small amount. trying to make pay XXXX dollars .will be willing to find affair resolution to this exorbitant amount of interest that they are asking for yours truly XXXX XXXX let be known it was done due lack resourses when I requested help
Consumer complaint received 2019-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MI)

I am the Victim of Identity theft and have filed an Identity theft complaint # XXXX with all 3 credit bureaus against : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX about this account that is showing up on my XXXX credit report collection item in there for which does not belong to the above : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX.XXXX Reason number one why this collection item is not mine it's because on XX/XX/XXXX the above submitted a identity theft case with the Federal Trade commission 's office copy and closed, Reason number two is the above according to his credit file is XXXX and drawing Social Security which also means that the above is drawing full medical benefits identification information enclosed : XXXX XXXX XXXX XXXX XXXX  Health plan # XXXX Member : XXXX XXXX XXXX State assigned ID : XXXX PCP name XXXX XXXX PCP phone : XXXX Effective date XX/XX/XXXX And the above information states that with full coverage XXXX  they would be no reason for me to go to an outside source and generate a bill when I have full coverage insurance since XXXX when you verify this information please remove this collection item from each of your list, Reason number three as of XX/XX/XXXX and buy the request of the above the Federal Trade Commission also issued a identity theft alert with all three credit bureaus this charge from this facility is for XX/XX/XXXX is there for non valid under my identity theft alert request. 
XXXX XXXX
Consumer complaint received 2019-11-11
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 went to XXXX to buy a car today XX/XX/19 and when I got my credit checked to see if I qualified for the auto loan, I was told that I did not get approved because there were accounts and inquiries in negative standing on my credit history. I looked into these accounts because I know they don't belong to me and I found out that these accounts were opened by someone named XXXX XXXX XXXX. I have no idea who that person is but I have never allowed that person to open an account or make any inquiries on my behalf. I did not benefit anything from these accounts that were opened in my name without my permission nor did I ever make any transactions or payments towards any of these accounts. I have already filed a police report regarding this matter.
Consumer complaint received 2019-02-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY (AZ)

Our law office has called Wells Fargo on numerous occasions trying to verify the debt and make payment ; however, every time we are transferred to multiple departments were no one can or will speak to us on the account. Wells Fargo claims we have not sent in a power of attorney ; however, we have sent in multiple powers of attorneys via mail, fax, and email. Each time we speak to the company they give us a new number to fax it to or different parameters for the contents of the power of attorney. This finally escalated into our firm opening two cases with the Office of the President. After working with their investigator, Mr. XXXX, it was determined that Wells Fargo did, in fact, receive the power of attorney [ on multiple occasions ] and it had not been processed. Mr. XXXX then gave us a number to contact to make payment. Once we called the number, the employees in the department once again refused to speak to us citing a lack of power of attorney. Once again, we were transferred to the Office of the President. We spoke to an employee named XXXX ( employee ID number XXXX ), who was adversarial and condescending. XXXX begrudgingly transferred us to a manager. The Manager, XXXX employee ID XXXX, stated that we were calling the wrong department and transferred us. Once again, this led back to a transfer to the Office of the President.
Consumer complaint received 2019-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (TX)

CACH XXXX put collection on my credit reports without my knowledge and in doing so, this violated the FDCPA Collection Practice by placing a collection account on my credit report without sending a letter to me. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. CACH XXXX also failed to follow FDCPA by not sending a letter giving the consumer time to dispute or validate the alleged debt within the allowed 30-day time frame that is allowed by law. I have no knowledge of this account. I request that you please verify the following information to assist identifying whether this debt is valid : 1. Full original account number 2. Date original account opened 3. Any written agreement ( s ) between myself and the original creditor stating I agreed to pay alleged debt 4. Consumer address at which original account was opened 5. Date of first delinquency 6. Itemized calculation of alleged debt If CACH XXXX is unable to provide the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent, request account deletion from all credit reporting agencies, and request that the account not be sold or transferred.