davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (WI)

I initially moved into XXXX XXXX XXXX in XXXX, IL in XXXX after XXXX. Before I signed the lease, I had authorization from XXXX to received XXXX in order to pay for the apartment, as well as their approval to live off base. Shortly after I signed the lease my command and I learned that the base would not authorize both the XXXX pay and the off-base housing. I had no option but to withdraw from XXXX XXXX. 

My command supervisors had worked out an agreement with management so that I may leave the apartment. The verbal agreement was XXXX XXXX kept my security deposit and I pay the rest of the month 's worth of rent. The rent was somewhere around {$500.00}. One of my supervisors personally handled that affair. I did not sign any papers for the agreement. Nor did I receive and collection notices, phone calls, or mail from XXXX XXXX XXXX XXXX. 

On XXXX XXXX, 2016 I received a call from National Credit Systems with an attempt to collect {$3000.00}. I immediately opted to dispute the charges. Between XXXX and XXXX XXXX, 2016 I have been submitted letters, government documents, and statements from the supervisors involved with the debacle to help support my dispute. On XXXX XXXX, 2016, one of the managers from XXXX XXXX XXXX XXXX made it a point to call me, or rather harass me. 

The conversation summed up to be her claiming that my statements and the statements from my supervisors were " falsified, '' that they did not indeed accept or receive the ~ {$500.00} payment, and that my supervisors and I were " dishonorable. '' She also stated she felt threatened, that we were after her to get her fired. I did not say much in reply throughout the entire phone call, as I felt insulted. The next day I received a call from a representative of National Credit Systems Inc. 

The representative stated that XXXX XXXX XXXX XXXX would not accept the documents, that they did not receive the ~ {$500.00} payment, and the amount stands as {$3000.00}. The representative also went on to say XXXX XXXX XXXX XXXX would settle to {$2000.00}. I again opted to dispute the charge. As of XXXX, 2016 XXXX showed that my XXXX report had a " past due '' amount of {$3000.00}. 

I have since submitted another letter to National Credit Systems asking to dispute the charge, as well as dispute the charge on my credit reports.
Consumer complaint received 2023-08-01
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: Experian Information Solutions Inc. (TN)

Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.
Consumer complaint received 2015-04-03
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CNG FINANCIAL CORPORATION (TX)

Several callers have called me at my job harraseing me after I have repeatedly asked that they do not call me at work. After useing foul/obscene language the lady hung up in my face and have another lady by the name of " XXXX XXXX? '' call back.
Consumer complaint received 2017-05-23
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: Receivable Management Group, Inc. (GA) (GA)

I filed BANKRUPTCY  XXXX  the creditors was properly notified from my attorney and also  XXXX  and  XXXX  notified them I have documented emails from all  XXXX  parties, these creditors are still on my credit, they should have been removed
Consumer complaint received 2016-07-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Commonwealth Financial Systems, Inc. (OH)

I recently pulled my credit report and discovered Commonwealth Financial Systems has furnished some items that were unverified information.I believe under the Fair Debt Collections Practices Act, I am requesting that you allow me to validate the alleged debt. I am aware that there is a debt from my medical doctor c but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX for them to release my medical information to a third party. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization 1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it.
Consumer complaint received 2016-02-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OH)

on XX/XX/XXXX we paid our regular mtg when we did evidently the teller ran the pymt wrong left out our credit life ins noticed the error when received our monthly statement contacted us bank at XXXX said was ran towards principal put in work order XX/XX/XXXX talked to a XXXX on XX/XX/XXXX went I XXXX branch to pay XX/XX/XXXX pymt asked teller if error was corrected said talk to XXXX she called mtg department they stated they had ra n it towards interest this time ran twice wrong making pyt appear late and more than then accuatall due ex pymt {$580.00} plus XXXX equal {$620.00} ast due asked for copy of all transactions to be sent to me on XX/XX/XXXX as of XXXX nothing has been received.XXXX at XXXX branch said another work order would be sent in making XXXX work orders for the same problem making us owe more after we paid the pymt than before the pymt was due. 

problem number 2 received letter dated XX/XX/XXXX received XX/XX/XXXX from us bank stating they had reviewed our acct russ consultating phone number XXXX issued a credit tour account on XX/XX/XXXX toward principal for reremediation harm received a XXXX amt of int of XXXX amt applied was XXXX problem never notified in beginning this amt had been added to our acct called XXXX XX/XX/XXXX stated it was for invoices for qualtity assurance as thirdparty for us bank problem 3 have received XXXX different mortage with different interest and different balances last one recived on XX/XX/XXXX withn yet another different interst amount and different balance on acct if you take the previous mortage interest statement it is the difference of {$440.00} which is the balce credited on XX/XX/XXXX added back on to our acct
Consumer complaint received 2016-08-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I submitted a complaint against TransUnion for listing a business-related debt on my personal credit report within the last two years. I submitted proof that the debt was a un-guaranteed business debt. In response, TransUnion removed the debt. In a report that I received today, the debt re-appears.
Consumer complaint received 2015-03-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I am XXXX years old female who hold a conventional fixed mortgage with Bank of America. I have lived at XXXX XXXX XXXX XXXX, XXXX, NY XXXX my primary residence since 1997. The interest on my mortgage XXXX. XXXX has been 7.37 %. Over the past 5 years I have requested a modification to reduce the interest and payments. I have completed forms and submitted at least XXXX packages. Over and over it goes. A former consultant at NY XXXX XXXX woman XXXX XXXX who was helping people like me submitted a document informing Bank America that during this process I will be submitting the escrow payment monthly. My status moved from being full time XXXX to a retiree whose income now is primarily XXXX, some annuity disbursement since I am now retired. I have submitted hardship documents over and over. Still without success. When I was fully employed I was told that my income was too high. Now that I am retired, I do accept part time assignments to teach when these are given. Last semester I XXXX XXXX classes. This semester I received none. However, I am still able to pay the escrow. I have worked and saved all my working life to retire and live though at a different level. I live prudently and frugally. Each time I believe I am making headway in the process the consultant is changed as well as their location which makes me wonder whether documentation sent to XXXX is transferred to the next XXXX. This makes me have doubts about the process. I do not think it is honest. The most recent consultant made it clear that applying and completing documents offers no guarantee for success. Does it then mean that I am engaged in a process destined for frustration. Does it mean that this is a cruel game intended to oppress and frustrate me so that I will just give up and do a short sale and turn over the major asset of my life to Bank America? Our Government readily helped Bank America to survive with a quick bailout. I do not see any reciprocation when the CEO 's still get big bonuses and the little people get squeezed and oppressed. I am so thankful for now XXXX XXXX for understanding the plight of little people and little elderly people like me.. Yesterday I faxed the document XXXX verification benefit award letter to XXXX XXXX XXXX to her, Today Im telephone about its non receipt even though another mailing admits receipt of document. The process needs to be more humane -- not terrifying by more than XXXX computerized program just beating and beating and beating ones mind to drive them out of their homes and leave it for Bank America.
Consumer complaint received 2017-02-09
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (PA)

Had a FHA Mortgage with Chase ( XXXX ) I did a Loan Modification with them in XX/XX/2013 in which only about XXXX weeks ago thru a payoff request that I understood that they did a second mortgage on me and remitted amount to XXXX. I am upset and feel like they did not upon approval of loan modification tell me what the product was on how it was going to impact me, Furthermore the XXXX XXXX Department there told me that the XXXX that was separated from my primary and setup as a second mortgage was Satisfied and that I did not owe any amount from the original amount of the loan and assured me that the remaining XXXX was the only debit we had. XXXX never disclosed to us who they were and what portion of my original loan they had. So I want to go after them with a NON Disclosure Act. Can you assist me?
Consumer complaint received 2016-05-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I received a written letter from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX regarding an account. The written letter offered the option of " 1 payment of {$640.00} '' after which my account would be considered " Satisfied in Full '' once the payment is successfully posted. ( Please see attached letter ) I paid the {$640.00} ( please see attached section bank statement noting payment to XXXX XXXX ). XXXX XXXX now reports my account as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '', with a reported balance still owing of {$1100.00}. The original balance reported was {$1800.00} -- XXXX XXXX XXXX has simply reduced the balance by the payment of {$640.00}, rather than updating the account to " Settled in Full '', as promised in writing. Their letter was misleading. I would not have agreed to pay the settlement amount if I had not been led to believe that the payment would be reported as anything other that " Settled in Full ''.
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX XXXX, 2016, I requested my transunion credit report. I received it ( file XXXX ) and submitted a dispute form regarding an account with XXXX and XXXX on XXXX XXXX, 2016. I did not receive a reply from Trans-union. The same inquiry was submitted to XXXX and XXXX and both have communicated to me since that date. On XXXX XXXX, 2016 I wrote Transunion a letter stating that my XXXX XXXX dispute had not been addressed. I submitted a copy of the original dispute form as well as requesting that Transunion report the disputed XXXX account accurately pending the results of the dispute. To the date of filing this complaint, XXXX XXXX, 2016, Transunion has failed to address my dispute.
Consumer complaint received 2016-03-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been disputing a XXXX XXXX account displaying on all XXXX major credit bureau since XX/XX/2016. The XXXX XXXX account in question is XXXX. XXXX and XXXX conducted their investigation and deleted the negative information reflecting on my credit report. Unfortunately, Transunion is being very uncooperative and using delay tactics contrary to XXXX & XXXX to resolve this matter. I have been disputing the information on this account with Transunion since XXXX 2016. Documents can be provided upon request..
Consumer complaint received 2015-06-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (OK)

On or about XX/XX/XXXX-XX/XX/XXXX XXXX XXXX ( XXXX ) Alias name just so you know. she has many. She went into a Chase bank location in XXXX Oklahoma and withdrew $ XXXX {$9000.00} from a business account we had started together while dating. I went to go buy materials and my card was declined. I know that she took it because she call me and told me that she did. I was so hurt and embarrassed. I am wanting you to return my money that XXXX stole or took illegally fro chase or chase will be investigated by an attorney at law I have been banking with chase for over 10 plus years doing XXXX and XXXX and XXXX ... .I would like you to bring XXXX up on embezzlement charges for taking that money without my signature and taking me off the account It was unfair and unjust. I would be greatly vindicated if you done so thank you so much for everything and my phone number is XXXX and XXXX email me at XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2016-12-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

Transunion has an account I have with XXXX on my credit report that should not be still listed. From their own records, they state that the account was closed on XX/XX/XXXX, yet say the last payment was on XX/XX/XXXX ... which is not only inaccurate, but impossible. If the account was closed on XX/XX/XXXX, then the first date of deliquency has to be months earlier ... thus over seven years ago and should be deleted by now.
Consumer complaint received 2016-06-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

1. On XXXX/XXXX/2016, I transferred {$480.00} and {$46.00} from XXXX external accounts to my Chase checking account. I was expecting these funds could be used within 2 business days. 
2. On XXXX/XXXX/2016 ( which is the third business days after XX/XX/XXXX ), I transferred {$40.00} out of my Chase checking via XXXX before I found out that the previous XXXX transfers were not deposited into my account. 
3. On XXXX/XXXX/2016, I was charged {$34.00} as INSUFFICIENT FUNDS FEE though I have over {$500.00} transfer in pending since XXXX/XXXX/2016. 
4. I argued with Chase but they said it is the policy and they would not waive the fee.
Consumer complaint received 2015-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My name is XXXX XXXX and I am writing to report an error on my report. I have never had a XXXX XXXX Credit Card. I would like assistance removing this information from my credit report, as this account belongs to my sister, XXXX XXXX, now XXXX XXXX. I also wanted this company to take preventative measures, from now on, to secure the separation of my information with any other consumer with similar identification, such as my sister, and my mother, XXXX XXXX, XXXX XXXX, while married. 

Thank you for your assistance in this matter.
Consumer complaint received 2015-05-12
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (TX)

my credit at Chase, XXXX, and XXXX XXXX all had decreases in credit limit for what they say was for a change in credit score, I bought a house and I have a long history with Chase and have always paid my balance, and I have n't even been late on any payments for the last XXXX months, never late with a payment on either of the cards. Im a new customer at XXXX and XXXX but I have never been late and paid the balance at the time of he decrease. I had not even used my XXXX card for months, then about XXXX weeks ago I go shopping and spend about half the balance, still not missing any payments, and paying a XXXX payment at the same time, but today I get a letter saying they have reduced my credit for XXXX reasons listed on letter and no specific reason was given, stop the credit card companies from reducing our credit for what they feel is a change in your credit picture although you pay on time
Consumer complaint received 2015-07-01
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

Last Friday I scheduled a transfer from my XXXX XXXX, yesterday ( XXXX XXXX ) the money was transferred. I phoneed Chase yesterday and asked when the funds would be available and told not until today, the XXXX. However, now they are telling me I can not access my money until the XXXX. They have my money, but wo n't let me have any. While I personally would like to see every senior executive of Chase lined up and shot, I will settle if you can prevent any further misuse of a consumers deposit.
Consumer complaint received 2016-09-23
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: JPMORGAN CHASE & CO. (TX)

XXXX XXXX services called threaten to foreclose my property. I told XXXX that I had already giving XXXX payment of {$520.00} each XXXX XXXX. which would cover XXXX and XXXX anf another payment would follow before XXXX XXXX. me owing only XXXX 's payment the representative threaten to foreclose my property and called me a lier. I went through a nervous breakdown down and feeling XXXX. Please help.
Consumer complaint received 2016-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

There is a collection from XXXX XXXX stating a creditor by XXXX sent me to collections. I do not know anything about this XXXX nor have i ever been to the state that is being listed. I believe my identity has been stolen and i want this collection removed and to not come back.
Consumer complaint received 2016-04-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARC Management Group, LLC (TX)

XXXX/XXXX/2015 took my daughter to XXXX XXXX XXXX ER. She was seen and discharged. A year later, when trying to refinance my house, I see a collection account from ARC Management Group ( biller for XXXX XXXX ). I called to find out which account the collection was regarding. I was told that my daughter was not covered under my insurance at the time of the ER visit, so I was deemed a " self-pay '' ( meaning I had no insurance ). I assured them I did have insurance and my daughter has had insurance since the day she was born. The hospital submitted and got paid for that claim ( I have documentation to prove payment ), so that further proves my daughter was insured. I call my insurance to verify that there had been no lapse in coverage and they confirm ( I have documentation to prove coverage ). I called ARC back and am told they tried on several occasions to call my insurance company to verify coverage. My insurance company keeps track of any attempts to verify insurance and had no calls from ARC or XXXX XXXX. I have tried numerous times to explain that this was not my fault and that they should have submitted the claim to my insurance. The time to submit a claim has expired since it is over a year. The credit bureaus are not helping me get this removed from my reports. ARC Management group placed me in collections 2 days after the ER visit. They say they attempted to send me notices which I never received. I do n't know where else to turn. Thanks.
Consumer complaint received 2016-01-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I 'm a victim of identity theft as a result of this there were some inquiries made without my knowledge or consent, i have sent out numerous letters to Transunion with supporting documents, they are ignoring me and they still have n't removed these items that clearly do not belong to me, this is very frustrating and disappointing and I need help to remove these inaccurate items, i 'm attaching the letter that i sent out to the bureaus