davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-11
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}. 
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 {$0.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

In order for a deficiency to be applied to a credit report in a repossession the car loan creditor ( XXXX XXXX XXXX ) must provide the client with various, timely written notices, as well as give you the opportunity to exercise certain rights. If a creditor ( XXXX XXXX XXXX ) fails to give you a required written notice, then I can challenge its claim for a deficiency judgment. 

Those written notices include : your right to redeem the car and when you can do it your right to reinstate the loan and when you can do it if the creditor is selling the car at a private sale, the date of the sale if the creditor is selling the car at an auction, the date, time, and location of the sale, and a calculation of the deficiency balance ( or surplus, if applicable ), including a description of fees and charges. ( the only document I have been provided ) I have on numerous occasions, requested the documents required by law, as identified above and have yet to receive a copy. If the above mentioned documents are not provided within 15 days, as required by law therefore can not be a claim for a deficiency. And this account must be deleted from my credit report. 

Since this is my THIRD request, I will also be sending a copy of this letter to the Federal Trade Commission, the Consumer Financial Protection Bureau and the Credit Reporting Agencies notifying them that I requests for legal notices that XXXX XXXX XXXX is unable to provide.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A. (DE)

I have banked with PNC for over 8 years, and recently opened up a large credit line with XXXX XXXX based out of the state of Delaware. My monthly statement came in and I was told I could connect my PNC bank account to my XXXX  to make payment for my credit card balance. When I went to add my PNC account to my XXXX XXXX online payments it stated " PNC has made a change that prevents you from being able to link your accounts ''. I am very upset and wanted to file a formal complaint to see if this can be resolved.
Consumer complaint received 2020-05-11
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: Santander Consumer USA Holdings Inc. (TX)

I already submitted a prior complaint which resulted in another date change on my XXXX  report that is completely false concerning an old debt with Santander. It was also on my XXXX  report, but has since been deleted. XXXX  is the only one reporting this outdated debt that is far beyond the time limits for reporting. The account open date is incorrect as well as the Last Activity date which continues to get changed by Santander. 

I submitted a complaint with cfpb showing the Last Activity date XX/XX/XXXX ( which should actually be back in XXXX ) and just received an updated XXXX report that now shows a date of last payment to be XX/XX/XXXX. That is a complete falsehood. Not only did the date change, but the amount owed doubled! This is Santander 's attempt to use XXXX  to collect on an old debt where the statue of limitations has long ran out. There is no proof on Santander 's reporting to XXXX. I have attached a copy of the date changes. If this is not resolved my next action is to file suit against XXXX   through XXXX XXXX XXXX.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (CA)

My annual fee of {$95.00} for the United Explorer Card is due soon. Given that the card is a travel based card, with benefits being mainly just 2 passes a year to the United Lounge, I don't see how cardholders are being asked to pay the fee during this pandemic. We are unable to travel since XXXX of this year and in the foreseeable future. Other companies have been very flexible and have waived these fees, but Chase/United not only will not provide the policy where it says they can't do this, but have been extremely brash in their dealings over the phone. I have simply requested a copy of the member terms & conditions stating they are unable to waive the fee- they have outright refused to provide this. How can they be trusted when they are not providing documentation?
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc. (MI)

XXXX  closed my account with XXXX balance on XX/XX/2020/I did not close this account.This was a XX/XX/XXXX card and cant be used becauseXX/XX/XXXXis closed
Consumer complaint received 2020-05-11
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: EQUIFAX, INC. (PA)

EQUIFAx FAILED TO INVESTIGATE THE DISPUTED ITEMS WITHIN THE 30 DAY IVESTIGATION PERIOD. IN ADDITION THE FAILED TO PROVIDE THE INFORMATION ON FILE CONCERNING THE DISPUTED ITEMS PURSUANT TO SECTION 609
Consumer complaint received 2020-05-11
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Michael J. Scott, PC (SC)

VIOLATIONS AS OF MONDAY XXXX XXXX : THIS COMPANY IMPERSONATED AN OFFICER OF THE LAW. 

This company filed a frivolous lawsuit never having spoken with the alleged consumer. 

THIS COMPANY HAS REFUSED SERVICE. 

FAILURE TO PROVIDE CONTRACT VERIFICATION AS STATED FCRA 609 TO ALLEGED CONSUMERS ; XXXX ; XXXX  ; AND XXXX. 



VIOLATIONS ARE AS FOLLOWS : For all intended purposes This Company shall refer to the following : XXXX ; SCOTT & ASSOCIATES , PC ; ITS SUBSIDIARIES AND OR COUNTERPARTS ; BUT NOT LIMITED TO. 

A DEMANDED VERIFICATION WAS SENT TO THIS COMPANY TO PROVIDE FCRA 609 & 611 ( EXACT SECTIONS WERE SPECIFIED ) .THIS CERTIFIED LETTER WAS CONFIRMED AS RECEIVED. 

THIS COMPANY HAS REFUSED TO PROVIDE VERIFICATION OF CONTRACT AS SPECIFIED VIA FCRA 609. 

This company spoke with persons other than alleged consumer regarding allegations. 

This company has violated FCRA 609 & 611 as stated confirmed as received via certified letters. 

This company has refused to provide verification to alleged consumer after having received numerous certified letters confirmed as received to do so. 

This company has written defamatory statements on alleged consumers credit This company has reported false inaccuracies on alleged consumers credit report. 

This company makes harassing calls to alleged consumer. 

This company believes themselves to be above the law and refuses to follow the law to provide the above. 

This company has several past and current class action lawsuits for exact same violations. 

THIS COMPANY IS PAST THE 30 DAY MARK TO PROVIDE VERIFICATION AND HAS NOT DONE SO NOR REMOVED THEIR ILLEGAL DEROGATORY MARKS ; INACCURATE CREDIT REPORTING AND DEFAMATORY STATEMENTS. 

This company has violated federal laws and is to remove any and all derogatory marks statements inaccurate and false Credit reporting for unverified allegations. 

This company has not provided any verification declared written under penalty of perjury under oath. 

This company seems to be confused that a mere stated belief is not a legitimate legal fact that would hold in any court of law.As they were obviously confused between what a fact versus a belief is ; were given lawful examples and exact legal verbiage of what is acceptable which is not e-Oscar. 

This company is in violation of all the above but not limited to and is past due to be held accountable.It is a federal crime to report inaccurate information on unverified Allegations. 

THIS COMPANY IS TO REMOVE AND AND ALL INACCURACIES WHICH ARE THE FOLLOWING BUT NOT LIMITED TO : ILLEGAL DEROGATORY MARKS REPORTED ON ALLEGED CONSUMERS CREDIT FOR UNVERIFIED ACCOUNT. DEFAMATORY STATEMENTS ILLEGAL INACCURATE CREDIT REPORTING ON ALLEGED CONSUMERS CREDIT REPORT.
Consumer complaint received 2020-05-12
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Continue calls under unknown caller. Say they are from HRRG? Tried to call but they were unable to verify my information leading to my concern if they were legitimate. Attempted to go to the website but this required a PIN which has yet to be disclosed to me? No letter or email has been sent. They have called almost daily about this in the last 2 weeks and left voicemails without other ways of contacting them except calling back a number. I do not feel this is safe and I do not know what this is in regards to which is my right. I appreciate any advise regarding the above.
Consumer complaint received 2020-05-11
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

XX/XX/2020 Made a purchase using my Capital One Card for  an online service XXXX. They had a cancel anytime fully refundable policy. 
XX/XX/2020 I chatted with the XXXX representative through their online customer service and canceled my plan. 
XX/XX/2020 I was charged for a second month of XXXX. I disputed now both charges for XXXX through Capital Ones online dispute system. 
XX/XX/2020 I received a packet from Capital One. Stating it contained evidence of purchase. I didnt dispute that I made the purchase. I asked for a refund and wasnt given the refund and then was charged a few days later for a second month. I then sent Capital One a letter stating they should back me and that this company was committing fraud. 
XX/XX/2020 I received a letter from Capital One stating because the had an invoice of my purchase and they needed me to supply documentation of my cancellation. I did this through the fraudulent companys chat system proving to be impossible for me to supply proof. I couldnt even do a print screen of the chat when I was online XX/XX/2020. Capital Ones letter stated I should go directly to the fraudulent company if I wanted a refund. 
XX/XX/2020 I wrote to Capital One stating I had called them and was on hold for over 90 minutes before I was transferred to another department with a wait time of 2 hours. Then I submitted the links to show XXXX F rating with the XXXX  and I included their refunds and returns policy. I requested my refund of {$39.00} x 2 months immediately. 
I pay Capital One 24 % interest charges. They should do the right thing by their customer and not XXXX, an F rating from the XXXX   with over 260 complaints in the past 2 years. 

XXXX XXXX XXXX XXXX XXXX XXXX  The XXXX Product Guarantee : Our Pro plan comes with a 30 day, money back  guarantee. If you try our XXXX application as a Pro user and decide it is not for you, you can simply cancel within the first 30 days and get a full {$39.00} refund by emailing XXXX anytime 24/7.
Consumer complaint received 2020-05-12
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX ACCOUNT IS A FRAUDULENT ACCOUNT ON MY CREDIT REPORT. THIS ACCOUNT WAS OPENED AND MAINTAINED WITHOUT MY CONSENT, THE CHARGES ARE FRAUDULENT, THE ACCOUNT IS FRAUDULENT. I HAVE SUBMITTED ALL REQUIRED DOCUMENTS TO PROOF THAT THE ACCOUNT IS NOT MINE. I AM VICTIM OF AN IDENTITY THEFT, SOMEONE STOLE MY INFORMATION AND OPENED THE FRAUDULENT ACCOUNT.
Consumer complaint received 2020-05-12
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. (MO)

Back in XXXX I signed a loan modification agreement with XXXX  XXXX XXXX and made the three agreed upon payments of {$270.00} on-time as required. Before XXXX  XXXX XXXX completed the process, the loan was transferred to XXXX. XXXX did not honor the Agreement. All payments of {$270.00} indicated in the loan modification were returned XX/XX/2015, XX/XX/2015, and XX/XX/2015 and XXXX reported me as delinquent to the credit bureaus after I had fulfilled my obligation under the agreement. 

I have provided this documentation to XXXX ( now out of business ) and the credit bureaus. I have not been able to get it removed and I have not gotten the loan modification I was approved for back in XX/XX/2015.
Consumer complaint received 2020-05-12
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/XXXX, I went to the QVC website to pay my bill. The email I had gotten told me that my payment was {$42.00}. I wrote it on my list of bills. When I got to the portal, it stated that my bill was {$30.00}, and I was like great. I had made three {$35.00} payments and it was time for my payment to go down. To the day, it stated that I owed {$150.00}. Only now that amount is raised to {$160.00}. I haven't bought anything from QVC in over 18-months and my payment hadn't changed in a year. I owed them the same {$300.00}. I filed a complaint with your office. It ' all about a stand mixer that I purchased and didn't have enough credit to charge it all. I talked to a young man at the collection agency. I asked him if I could pay {$20.00} over the next seven ( 7 ) months. He told me " No '' and that he really needed me to pay it all at once. I would have been done paying for it by now. 

Now QVC has changed my due date, and giving me late fees. I paid the bill on XX/XX/XXXX, and they claim the {$12.00} extra dollars are late fees. So, why did my email say {$12.00}, before it was even due? How do they charge me a late fee, before it is even due. Like I said, I had been paying {$35.00} a month for three months. Something happened in XXXX and I don't even remember, but I paid them twice. But again, why isn't that {$400.00} I had for a credit limit paid off by now? I don't know why I still owe them anything. That {$150.00} going to {$160.00} proves they are adding extra to my bills ... 

I am asking for arbitration. I want to go in front of an arbitrator to work out my situations with them and I will be through with them! The young man from the collections agency brought it to my attention that they had closed my account and my ability to have an account on their website back in XXXX. I haven't purchaed anything from them in over 18 months, but I have paid them at least {$35.00} a month. XXXX even with 25 % interest that is {$410.00} and over my credit limit. These people are cheating me. I want a mediator to be able to do the correct math, and clear up this months issues!!!
Consumer complaint received 2020-05-12
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. (IL)

XXXX has reported a {$280.00} debt on my Transunion credit report. I havent done any business with this company. I dont know who this company is. 
Please delete this off of my credit report immediately.
Consumer complaint received 2020-05-11
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: EQUIFAX, INC. (TX)

RE : COMPLAINT ID XXXX Equifax has reopened the referenced dispute with the date of XX/XX/2020! 

Equifax has acknowledged to have my dispute as of XX/XX/2020. Their time is up! They have now 30 days! What they are attempting to do is against the law. 

This was the purpose of my initial complaint for this illegal practice NOT to happen. 

According to the Fair Credit Reporting Act The credit bureau has 30 days to look into your dispute, based on the information you provide to it. The credit reporting agency must also notify the furnisher of the information, such as a bank or credit card issuer, within five days of receiving your dispute and provide the furnisher with the same evidence that you gave when you flagged the error. 

The data furnisher must then investigate your dispute and verify whether the information it gave to the credit bureau is correct. If its not verified within 30 days, then the credit bureau has to remove [ the disputed error ] from the credit report.
Consumer complaint received 2020-03-26
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. (CO)

Equifax ; XXXX  and XXXX are reporting incorrectly a collection/charge-off in the amount of {$18000.00}, on the US DEPT ED partial account number XXXX. Equifax ; XXXX   and XXXX  are reporting incorrectly a collection/charge-off in the amount of {$42000.00} on the US DEPT ED partial account number XXXX. ( Please see pages attached from my credit report. ) These loans have been consolidated and I have been making on-time monthly payments to these accounts and the amounts being reported are inaccurate and the lates that are reporting are completely false. I have made ( 3 ) consecutive on-time monthly payments and therefore these accounts should not be reporting at all. I have attached a copy of the consolidation paperwork dated XX/XX/2020 for reference. These line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2020-05-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I was notified of the existence of this debt after submitting to a background/credit check for a new job. After contacting XXXX XXXX, I contacted Portfolio Recovery Associates who had apparently purchased the debt. I was not notified by mail, phone, email, or any other communication type by XXXX XXXX of the existence of this account prior to the debt being sold to Portfolio Recovery Associates ( PRA ). 

On my third attempt to contact PRA, I was finally able to reach an associate who agreed to start the dispute process for me. After expressing concerns about the time-sensitive nature of my dispute, I was not given a timeframe or made aware the PRA would request further documentation from me, by mail, even after making the associate aware that I was not reachable by mail at my home address. I have been sheltering in place out of state due to COVID-19. 

After filing the dispute on XX/XX/XXXX, I called PRA a total of 6 times to attempt to ascertain a status update. Each time that I called, I spoke initially with a customer care associate who would then transfer me to disputes where I would wait on hold in excess of an hour each call. Each customer care associate was made aware of the time-sensitive nature of my dispute, and none of them provided a direct phone number to reach disputes. In addition, the PRA website lists their general customer care number as the direct line to their dispute department. PRA refused to provide me with accessible documentation to reflect the disputed status of this debt. 

I was not able to reach a representative in the dispute department until XX/XX/XXXX. I was not notified by phone during any of these phone calls, until XX/XX/XXXX, that the PRA Dispute Department was waiting for documentation to be provided by me. I was not made aware that the affidavit they requested by mail could be provided electronically through the FTC website.

It is my belief that PRA associates chose not to provide a full and fair disclosure of the options available to me, in an attempt to elicit payment for a debt that does not belong to me, because they were made aware of the fact that my job offer hinged upon my providing an account for this debt. They believed that they could corner me into paying for the debt rather than doing their best to provide to me their reason to me for believing that the debt was truly mine. 

I was made aware that each call was recorded, and my expectation is that PRA will review all of these calls which will back-up my claims.
Consumer complaint received 2020-05-12
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: ENCORE CAPITAL GROUP INC. (FL)

Midland funding is by far the worst debt collection company I ever dealt with. 
They are rude nasty liars. 
they are trying to collect a debt that they can not prove that I owe. 
They harass me, called me out of my name and threatened to sue me, even pretended to be lawyers. 


The so call debt that they are lying stating I owe are as listed : XXXX XXXX  for {$640.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX they have no proof that I open these accounts. no ID to show proof that I opened these accounts. 
I did not open these said accounts.