davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-12
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. (FL)

I AM WRITING ABOUT WHAT I NOTICE ON MY CREDIT REPORT WHICH IS CRAZY. I NEVER AUTHORIZE THESES ACCOUNTS. SOMEONE OPEN ACCOUNTS USING MY INFORMATION. I WANT THESES ACCOUNTS TO BE REMOVED OFF MY CREDIT THIS IS FRAUD.
Consumer complaint received 2023-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK (MS)

In accordance with the Fair Credit Reporting Act, these purported creditors have violated my rights. 
Under 15 USC 1681, section 602 my right to privacy is insured. Also, Under 15 USC 1681, Section 604A, subsection 2 it is also stated that a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666B, a creditor may NOT treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

I demand that these unauthorized recording be removed from my credit record immediately.
Consumer complaint received 2020-03-12
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (MN)

Chase wrote me a form letter promising a " Chase Closing Guarantee '' of {$1000.00}. I called the number and spoke to XXXX XXXX who then ended up quoting me a rate of 3.0 % for a 7/1 ARM ( they have my current mortgage so I qualify for the " Guarantee ''. The follow-up was for me to unlock my credit and send account statements - which I did the next day and asked to loct the rate. No response that day ( XXXX ). On Thursday ( XXXX ), I contacted them, again. He responded by saying that he had nbeen out of the office the day before and acknowledged receiving my XXXX e-mail and said he would get back to me that day - no mention of rates moving up and no follow up on XXXX as promised. I -emailed again on XXXX asking to fix the rate - no response or follow up that day either. I emailed again on Saturday XXXX saying that I was anxious there had been no follow up and that I had turned away another lender that had made a commitment to refinance my mortgage at a slightly higher rate so that I could refinance with my existing lender at the better rate. At this point, XXXX XXXX toells me that the rates moved UP (? ) on XXXX ( three days earlier ) and that he still hadn't pulled my credit. I believe this is more than simply bad communication or followup. It was bait and switch. They quoited a rate, stopped responding to my e-mails ans said their rates had increased. That is baloney.
Consumer complaint received 2020-03-12
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. (GA)

XXXX  XXXX XXXX Balance {$4300.00} Original Creditor Name XXXX XXXX XXXX XXXX Balance {$3900.00} Original Creditor Name XXXX XXXX These accounts were both fraudulently opened in my name. I have filed a police report, I have filed multiple disputes with each major credit bureau including a copy of the police report.I have also filled out and mailed a fraud packet from XXXX  and returned it the company. Experian, and XXXX  have both failed to remove this information. I have requested proof of their investigation, which they have failed to provide.
Consumer complaint received 2023-06-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (GA)

Ashley Furniture Credit Card issued by Synchony does not allocate payments across promotional balances properly and does not provide detailed payment allocation on their statements. Payments above minimum due are not applied to deferred interest promotional balance but rather to fixed rate/fixed term promotions making it likely that deferred interest promotion balances are not extinguished by required date. There is no way to direct a payment to a specific promotional balance. Calling the customer service number listed on statement puts cardholder in a cue to sell other products causing multiple calls to reach actual customer service. Problem was resolved after 4 calls to reach and agent and over 30 minutes on the phone.
Consumer complaint received 2020-05-01
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. (GA)

To whom it may concern. 

I had my Credit Report pulled for my review and I noticed both XXXX XXXX XXXX accounts are reporting incorrect. These account numbers are XXXX ... XXXX & XXXX ... XXXX. Now these have been paid off since 2017 but are still showing that they are in a collection status. The status on my report states paid but the history still shows collection and that is incorrect. It wasn't a collection but a garnishment of my military retirement check.If XXXX would look into my payment history, they would see this. I am sure its an oversight but the information is wrong and by law the account must be removed due to incorrect info.
Consumer complaint received 2020-03-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service (CA)

In XX/XX/2016 I was charged a collection on that is just now appearing on my credit profile. J in didnt even use XXXX XXXX XXXX. 

I now live in XXXX this is from XXXX.
Consumer complaint received 2021-01-14
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION (UT)

I have been trying to work with Check N Go loan company to pay off a payday loan I had with them. Ive called their company about 2-3 years ago and they at first said they didnt have any record of my account/ loan. Then I called back a year later and spoke with a woman who said they sold my debt to another company. She gave me the info, I called that company and they said they sold it to a company called XXXX XXXX or something like that. When I called that company a man answered the phone, he sounded very unprofessional and didnt know why I was calling. He said he was just the answering service and would have someone call me. Well its been 2-3 years since then and no one has called. My family keeps getting phone calls from fake debt collectors, and none of which I could find any information about. They have been rude, demanding me to verify personal info, which I have not. They just hang up on me, tell me not to call them, when theyre the ones contacting my family and me. Ive demanded to get a debt validation letter from them, theyve refused to send me anything. And then the calls will stop, but then start up a few months to a year later.
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C. (UT)

I was sent a letter from Gurstel Law offices in MN  and they said they were acting on behalf of XXXX XXXX XXXXXXXX and attempting to collect a debt. They served me a Summons and said that I was being sued because of this debt. They would not answer any of my calls or emails. This information was put in the letter head for me to contact them however after several attempts I never was able to speak with anyone. I was asking for proof that this debt and as stated " Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ''. This information was never provided. I was in the middle of closing on the sale of my home and they entered in a Judgment and I was not able to close the home without this judgment being paid from proceeds of the home sale. They took that money and have not communicated with me regarding this account with XXXX XXXX XXXX. They never reached out to me in any way. They have a fraudulent account according to law if they can not bring to me a physical, signed copy of my agreement.
Consumer complaint received 2020-05-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

I was scammed by a lady that I adopted a puppy from. She had a " pet delivery service '' which I believe she is working with because the emails they sent me were unprofessional and claimed to be " XXXX XXXX '' on one email and " XXXX XXXX '' on another plus they only took payments via XXXX, wire transfers, or XXXX. Many red flags, but I wanted the puppy so bad I proceeded as I believe my bank would protect me plus I was promised a full refund by the individuals. Nonetheless, I was told I had to pay {$600.00} for a special crate for the puppy to survive the flight, but that it would be refundable upon delivery. On the day of the delivery, I could no longer accept the puppy due to personal issues that arose and I paid the " delivery service '' another {$200.00} to transport the puppy back to the owner. The following day after ignoring my messages they finally reached out to say the puppy is " sick '' and that I needed to pay {$400.00} for her medical bills. I asked what vet they took the puppy to, what was the diagnosis, and what was the phone numeber of the vet office. They would not answer. I kept asking and they became annoyed and told me they were using " their '' vet, but refused to give me any information or contact for the " vet. '' I contacted the police after they began threatening to sue me for " pet abandonment '' and demanding I pay for the medical bills. The police informed me I've committed no crime, I am not legally responsible for the bills, and that I was being scammed. After that I reported these individuals to the FBI ICC and obtained an attorney. I then tried reaching out to Chase to have the quickpay transactions to the individual reversed, but they claim they could not. This is unbelievable. Why am I banking with them if they will not protect me from fraud and scams? I understand I made a mistake and did not practice the best judgement, but I am human. I shouldn't have to be out of {$800.00} because someone else has decided to scam me regardless of the red flags or anything. I should be protected by my bank. If XXXX doesn't give these banks jurisdiction over reversing XXXX ( that is what the representative told me ) then they need to find another company to work with. I am disgusted with Chase. It is not the first time they have refused to help me. And I am looking to bank elsewhere.
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MI)

XX/XX/2019 a debt collection account for {$130.00} from Convergent Outsourcing started reporting on my credit score. A  couple of month later in XXXX, I received a settlement offer from the company. The letter stated they were working on behalf of XXXX. I reached out to XXXX about the alleged debt, who only redirected me to Convergent Outsourcing. On XX/XX/19 I submitted a letter to Convergent Outsourcing requesting verification of the debt by providing a contract with my wet signature. I waited 30 calendar days for a response and I received nothing back from the company. I reached out by mail to all three credit bureaus ( XXXX, XXXX  and XXXX  ) requesting this debt collection account be deleted from my credit report because Convergent Outsourcing failed to validate the debt within the allocated time frame of 30 days. XXXX deleted the account from my report but XXXX  did not and directed me to reach out the Convergent Outsourcing again. I called Convergent Outsourcing on XX/XX/2019, I spoke to a lady named XXXX. I expressed to her what was going on and how I requested validation that I still never got. XXXX verified my address and said she could send a letter to my house. Yet to this date I have not received a contract with my wet signature confirming this is my debt from Convergent Outsourcing.
Consumer complaint received 2020-03-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (GA)

I obtain a loan for {$3100.00} in XXXX for school. I had a 7.41 % interest rate. According to my records and the company records, I have paid {$6700.00} in principal and {$3300.00}, a total of {$10000.00}. I have paid for this loan twice. I spoke with customer service on XX/XX/XXXX According to customer service, the payback amount is XXXX for the life of the loan. I ask the representative to have an audit of the account, but she refuse to have an audit done.
Consumer complaint received 2020-03-12
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Dispute : XX/XX/2020 CFPB XXXX  Capital One Walmart Incorrect account balance reported {$310.00} I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is XXXX Capital One Walmart with an original debt of {$310.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$200.00} to the creditor via the consolidation program and my balance now due is {$110.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication. 
On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC. 
It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer made to the creditor on XX/XX/2020 to pay off a remaining balance of {$310.00} in installments was declined by the creditor of which I am grateful as my financial accounts highlights that balance was incorrect and if accepted at that time I would be liable for paying far more than what is actually owed. I request that the amount owed be corrected to reflect the payment made of {$200.00} via the consolidation company and report the actual correct balance of {$110.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Consumer complaint received 2020-05-01
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: EQUIFAX, INC. (AZ)

improper investigation methods used are resulting in extortion on debts beyond statute being pushed into files, XXXX is refusing to staff company and recieve reports. XXXX  is flat out refusing to comply with the law. BOTH NEED TO BE SERVED IMMEADIATELY, as does XXXX, XXXX, and several other ID verification landlord used systems. They buy and resell old and inaccurate data and refuse to remove any of it. This includes inaccurate public records.
Consumer complaint received 2021-01-14
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. (AZ)

I recently reviewed my Credit Report, I noticed there were accounts reporting to my credit that I did not open, when I started checking dates, I seen that the accounts were opened when I was on military leave. I wrote and called about my disputes and explained the situation, that the accounts are not mine and they need to remove them.
Consumer complaint received 2020-03-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Quality Asset Recovery LLC (TX)

I received a call on XX/XX/XXXX from XXXX XXXX of Quality Asset Recovery. He began blasting me with accusations that my son owed money from a rental apartment in XXXX XXXX, TX from XXXX. Mr. XXXX did not appropriately explain the situation as this was the very first time I had knowledge of any owed money. When I asked him for information to understand the situation, he became defensive, and started to use intimidating and threatening language. He said my husband and I are co-signers of the lease and if we didnt want to ruin our credit, we needed to pay the money owed. We have never received any communication prior to this phone call about any remaining money owed to the rental apartment company. 
I told Mr. XXXX that I was taken back because I felt he was bullying me, and asked him to go over everything again so I could write it down. He said he wasnt going to do that and to speak to my son because obviously he was lying to us. ( he actually said that! ). I told him he was being inappropriate and I was going to report the call. He again got defensive and said to call him back when Im ready to not have our credit ruined.
Consumer complaint received 2019-12-04
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I went to Ace on XX/XX/26 for a {$700.00} loan and was given 3 XXXX 4 $ XXXX and 10 XXXX. When I went to the ATM machine about an hour afterwards it wouldnt accept all the bills so I tried another ATM machine about an hour later. Again it wouldnt take all the bills so I only deposited what it would take and spit 1 {$50.00} bill out. When I looked at it noticed its a counterfeit bill and when I tried going back to ACE they were already closed so I called first thing next morning. They pretty much told me it was my problem and I insisted to file a complaint but nobody is calling me back. That store needs to be investigated because they either accepted counterfeit money or have illegal activities going on. Please help me because {$50.00} is a lot for me to lose.
Consumer complaint received 2019-12-05
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credence Resource Management, LLC (CA)

I have been receiving two hangup calls a day for many months from XXXX, and I discovered by XXXX  the number that it belongs to Credence Resource Management of XXXX, TX, office number XXXX. I have never answered any of these calls - I always let them go to my voice mail, and the caller always hangs up without leaving a message. 
I also found MANY complaints about the same thing online from others who have been receiving and answering these calls from this number, some of whom describe misleading and abusive collection attempts for, ostensibly, XXXX XXXX XXXX. Many of these comments state that the persons receiving the calls once had XXXX XXXX XXXX accounts but no longer do, or are paid in full. My only connection with XXXX XXXX XXXX is through a company they own, XXXX XXXX, but I am paid in full. 
I am fed up with receiving these calls and I want them to stop! I suspect that Credence Resource Management thinks my phone number belongs to someone else, but I've had this landline for about 12 years. You would think that a collection company would at least call the correct number, or be more professional and leave a message instead of harassing people with hangup calls. This, to me, is bad and possibly illegal practice. 
Anything you can do to stop this harassment would be greatly appreciated.
Consumer complaint received 2019-12-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CT)

Experian continues to allow these company to put collection in my report They have been removed previously and now they are back the companies are XXXX XXXX XXXX XXXX I do not owe them any money nor have a balance with them please remove from my report once again. 
'Fair collections this account also was removed from my report and now it is back in my report please remove I do not owe them a balance and Experien has not related to me the out come they did remove this account and now it is back I want XXXX in dispute XXXX and XXXX XXXX  should be removed there balance is wrong and the time limit it up for them to be in my report. 

thank you XXXX XXXX
Consumer complaint received 2019-12-05
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. (FL)

CRA continues to violate FCRA 605A.  Identity theft prevention ; fraud alerts and XXXX XXXX alerts [ 15 U.S.C. 1681c-1 ]  605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] Several other consumer protection laws, state laws and federal laws. 

Also CRA is claiming that they haven't received any correspondence by way of the CFPB from me.
Consumer complaint received 2019-12-04
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica (NV)

On XX/XX/2019 I went to the local XXXX and made a purchase with my Direct Express debit card on which I received my XXXX benefits. Upon completion of the transactions I left my card in the card reader. Someone got my card and in the next few hours made 5 purchases, running my debit card as credit, totaling {$160.00}. As soon as I knew what had occurred, I contacted Direct Express and filed a dispute. Over the next six weeks I filed a police report, contacted management at XXXX and filed the written dispute required by Direct Express. After almost 60 days i received the decision from Direct Express denying my claim. Their decision seemed to be made mainly on the fact that I have the Direct Express app on my phone, which I do not, and that I have my phone number attached to my account.