davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (FL)

XXXX Submitted on fraud issue : References : XXXX XXXX XXXX After attempting to get this problem fixed Equifax illegally froze my account without my authorization. The issue has finally been resolved but Equifax has not yet acknowledged, except on a phone call, that someone at Equifax broke the law when they added a freeze to my account after I specifically stated that they were not to do this. My whole issue here was that I wanted to be able to self-serve a freeze/unfreeze, so that if I needed to purchase something requiring a credit check I would easily be able to go into all three bureaus, unfreeze, make my purchase, and put the freeze back. What made matters worse is I didn't even KNOW this was done until I had a telephone conversation, and at that point she removed the freeze. 
I submitted XXXX as my demand for financial compensation due to the fact that Equifax BROKE THE LAW when they put a freeze on my account, especially since, in my complaints, I specifically stated that they are NOT to do that. 

I am demanding financial compensation for this breach of the law.
Consumer complaint received 2019-02-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (TX)

My two loans recently came out of forbearance. I made the first payment without incident and on time. The second month, I made the payments online using the same process, on XX/XX/XXXX. The payment cleared my account on the same date. 

As of today, XX/XX/XXXX, the payments are still showing as " Pending '' in the lender 's online portal. I've sent emails to the lender, who indicated they would " keep an eye on this ''. I then contacted the lender by telephone, who insisted that I needed to send them proof from my bank that the payment had cleared. 

Now I'm on the telephone, and I've been told by XXXX XXXX, the manager, that the technical team needs to look at this, and that it'll take until tomorrow. 

The payment will be late effective XX/XX/XXXX.
Consumer complaint received 2023-11-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

law 15 U.S.C 1666B I have send in many letters to trans union regarding this issue and account AND INQUIRY Called XXXX opened XX/XX/2023 I do not recognized neither have authorized this company to run my credit
Consumer complaint received 2019-02-13
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: Radius Global Solutions LLC (MO)

HELLO IN XXXX I LOST MY WALLET AND IT HAD ALL MY PERSONAL INFORMATION STOLEN. IM STILL TO THIS DAY SEE CREDIT CARDS POP UP IN MY NAME AND I DONT KNOW HOW. I REPORTED THIS PROBLEM TO ALL THE CREDIT BUREAUS NOTHING. THE ACCOUNT SAYS IT IS CLOSED BUT YET IT REMAINS ON MY CREDIT REPORT WHICH IS AFFECTING MY LIFE. I CANT GET A CREDIT CARDS, LOANS A CAR A HOUSE AND IM TRYING TO BUILD MY CREDIT. IT WAS IN THE AMOUNT OF XXXX FOR XXXX XXXX IN XXXX AND THAT WAS THE LIMIT. IT SAID IT WAS CHARGED IN XXXX .IVE BEEN IN CALIFORNIA FOR THE PAST 5 YEARS. THEY SAID THEY WOULD REMOVE IT AND IT JUST SAYS CLOSED ACCOUNT ON MY CREDIT REPORT. ALSO XXXX XXXX   I LOOKED THEM UP I GUESS THIS PERSON TOOK A LOAN OUT FOR XXXX IN KS.ALSO XX/XX/XXXX FOR XXXX XXXX  NOT SURE WHAT THAT IS BUT ITS IN THE AMOUNT OF XXXX ALSO XXXX XXXX IN THE AMOUNT OF XXXX. PLEASE IM JUST TRYING TO GET THIS ALL RESOLVED SO I CAN MOVE FORWARD WITH MY LIFE. I HAVE A XXXX XXXX XXXX XXXX  AND JUST GOT ENGAGED. PLEASE HELP
Consumer complaint received 2019-02-13
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. (CA)

I used the free trial for Experian Credit Works and while I had the free trial they notified me that I had a bank account take over that I was unable to view at all. Every time I would press on the notification to receive more information about it, it would just show an error message saying, basically, that I was unable to see the information about the notification they had on my account. I tried multiple times on different browsers on my computer, phone, and tablet and they all displayed the same error message. Now that my free trial is over, I still have no idea what the notification was about.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (CO)

I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CO)

I XXXX XXXX along with my husband XXXX XXXX are going through a long term financial hardship. We most likely will be filing for a Chapter XXXX bankruptcy in the near future. In the meantime, we have asked numerous debt collection agencies to cease and desist making threatening calls to both of our cell phones. These collection agencies are even calling our neighbors and relatives looking to make contact with us. This has to be an illegal collection practice, and we do not desire to have relatives know of the financial problems we are going through. Accordingly, we wish to have all calls cease immediately.
Consumer complaint received 2019-02-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Continental Finance Company, LLC (NY)

On XX/XX/12 my father received a phone call from an unknown number stating that I would need to contact them at XXXX in reference to a court appearance. I called the number, and was told that the client was taking me to court, but he could reach out to his client to see if they were willing to settle. He asked me several personal questions such as my employment, my tax bracket, the amount of my tax refund yesterday, and my dependent status. He then said that I could settle with his client. The client sent me an agreement via email. They told me I would need to fax them my debit account number to XXXX XXXX XXXX, then call XXXX XXXX XXXX immediately to ensure it was received. I asked them to mail me a validation of debt to my mailing address they refused saying they did on XXXX, which I have not received anything from this agency. I asked more questions to XXXX, asking for the location of her company, and the address she provided me with was for an assisted living complex.XXXX then told me that I needed to stop emailing her because she is and accountant and to call XXXX.XXXX. I let them know that I was at work and would not be able to call them, they said it didnt matter and only had to the end of business day to take care of it or they would be suing me. I did my research and contacted the original grantor, and received the proper agency the debt was sold to and it was NOT this agency.
Consumer complaint received 2019-02-14
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (MS)

I do believe that my credit reports are unjust. I have 5 active creditors. And as upset as they are. I have every intention to pay them back. I have been going through a financial hardship. As we all do sometimes. However I am working with a legal team to resolve this debt. XXXX  XXXX XXXX. I do have an active account with them to resolve the situation. I have been working with them since XX/XX/2018. And I have enough funds to pay off four of the debts. It may take me another two more years to pay off the larger one. I have been asking them to work with me at this time. And I just want people to be aware of the fact that I am working hard to resolve this debt. Thank you for your time. I do appreciate it. Sincerely, XXXX XXXX
Consumer complaint received 2019-02-13
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: CITIBANK, N.A. (CA)

I'm following up on complaint number XXXX submitted on XX/XX/2019, regarding a car title held by Citibank NA. The title had been incorrectly sent to them by a car dealership, even though the car was paid full in cash. 

Citibank NA sent me a letter by urgent mail stating that they had no interest in the vehicle and authorizing to release the car title. However, my car dealership checked with the California DMV and the latter stated that this isn't enough evidence to issue a new car title under my name. I urgently request Citibank NA to submit an electronic release to the DMV, per the instructions copied below from the California 's DMV website. 

My title should be sent to : XXXX XXXX XXXX , XXXX  XXXX ( XXXX  ), XXXX XXXX, XXXX, California. 

-- -- From website : XXXX XXXX XXXX XXXX XXXX Legal owners that participate in DMVs ELT program will have an electronic record. When you make the final payment on your loan, the legal owner submits an electronic release to DMV. Make sure your mailing address on DMVs record and your legal owners record is current before making the final payment. When the electronic release is received, DMV will issue a new Certificate of Title and registration card showing the registered owner as the sole owner. ''
Consumer complaint received 2019-02-13
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc. (VA)

Known that debt had to be paid, had a major health issues starting in XX/XX/2018, funds were not always available to pay my bills in full/on time, explained the situation, closed account and asked for the final bill and to get the FINAL amount owed for the Cable Service ( Internet, TV, phone service ). 

Promised to pay {$50.00} dollars per month to original creditor, but to no avail, it was sent to this collection agency Diversified Consultants and it has been a nightmare ever since, and Diversified Consultants stated that I did not keep with the previous arrangement I made with the in XX/XX/2018, and it ( the account ) will be sent back to the original Creditor XXXX/XXXX. contacted original Creditor to make a final arrangement to pay them back at the rate of {$50.00} dollars per month or more to relieve this debt. 

But they are still constantly phoning me and they placed it in collection on my credit report, as they told me that it wouldn't as I had made a previous arrangements with them to pay {$50.00} a month, and this is not so, as I received a copy of my free credit report from XXXX and it is showing in collection and am awaiting the reports from XXXX, and XXXX.
Consumer complaint received 2019-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kinum, Inc., Indianapolis, IN Branch (NY)

Disputed Credit Card Charge by vendor for cancelled services on XX/XX/18 for {$260.00}. Vendor did not challenge charge back and XXXX Credit Card refunded the charge. However, the vendor sent fraudulent debt to collections and I was notified to it by the credit report provided by the Credit Card.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

I pay my credit card bills on the day of the due date each month. This has never been an issue with any credit card providers until I signed up for the XXXX XXXX store card by Synchrony Bank. Currently, if I pay this on the due date, I am assessed a {$25.00} late fee for doing so. This has happened twice to me now, as it appears to trigger a late fee if submitted on the due date, but after a certain time. For instance, if I pay it in the morning of the due date, there is no late fee. But if I pay it i the afternoon, there is a late fee. Both times are before their XXXX EST cutoff. Typically, late fees are considered to be detrimental to one 's overall credit score. How can Synchrony get away with charging late fees for on-time payments? It also leads to the question of why are they holding onto this late fee of {$25.00} before refunding it? What are they doing with that money that they essentially took from me without my permission? Are they conducting some sort of a short-term investment strategy with their clients money/late fees? 

I reached out to them to dispute an unwarranted late fee, and they kindly explained that it would be returned since I paid before the due date/time cutoff. They said their system automatically assessed the late fee, and it will be refunded. However, I am not buying that it is this innocent to say, " sorry, we took your money accidentally, and are returning it. '' On top of that, I had asked if this affects my credit score, as any late fee would. They said they could not answer that question. I do not have proof that it has affected my credit score, but if it does, I will not be a happy customer. 

This is very poor practice, and to be honest I am surprised it is allowed by any credit card company. This needs to be investigated so that Synchrony is no longer able to take advantage of their customers and their money. If their internal software is not able to handle processing same day payments without late fees, then perhaps they should have their ability to operate suspended until they can resolve this.
Consumer complaint received 2019-02-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

Nelnet did not have my correct contact information to provide me with the repayment plan after my graduation of the 17 loans I have with them, therefore making my payments on my accounts with Nelnet XXXXXX/XX/2017 late. I called them after seeing the information on my credit report to resolve the issue and have been making payments on time ever since the issue was resolved. My credit report is now ruined due to this mistake, and I am unable to get credit cards, loans, etc.
Consumer complaint received 2019-02-14
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. (CA)

In XX/XX/XXXX I notified Experian, XXXX, and XXXX of multiple unauthorized inquiries on my credit. I notified the credit bureaus that I submitted requests to each individual inquirer to show I authorized the inquiry and had no response from them. 

Since XX/XX/XXXXuntil now the 3 credit bureaus have not sent me proof nor removed the credit inquiries. 

I again notified the bureaus in XX/XX/XXXX that it has been more then 90days and I have not received anything showing proof of authorization or removal. 

From my understanding the Bureaus have 30 days to investigate and if they can not provide me any proof then the inquiries must be removed.
Consumer complaint received 2019-02-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Colony Brands, Inc. (VA)

i am writing to u to see if we can get XXXX XXXX taken off my credit report since they closed my account on XX/XX/XXXX and they wrote it off and i would like it taken off my credit report it was for XXXX
Consumer complaint received 2019-02-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (FL)

JPMorgan Chase holds the mortgage on my property, it is being serviced by one of their subcontractors, XXXX XXXX XXXX. I have owned many properties and have done business with JPM for years, and, I have never worked with a company worse than XXXX. Their website is not only outdated and cumbersome, but when trying to login to my account, it simply has a processing message and does not load. I have called several times and opened a support ticket, but received no response. I have tried to set up automatic payments, but they will not do it over the phone, so, with no working web account, and no phone ability, it is impossible. When paying monthly using their automatic payment line, they will only process the payment on the day you call, so, either pay in advance pointlessly, or be sure to pay on the day it is due. This is so bad, it goes beyond incompetence, I believe it is a fraud to gain more late payment charges and fees.
Consumer complaint received 2019-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY (TN)

I have long contented that the credit card account was not opened or authorized to be open by me and I suspected a one time member of my household opened and concealed the account from me until their passing. I have repeatedly disputed this alleged debt with the credit bureaus as identity theft with no positive result and have suffered with a negative credit entry that I am not responsible for. Today I received a letter from the alleged debtor stating an option to pay the alleged debt at a 70 % discount. Despite the fact the alleged debt is a result of identity theft I felt this might be a somewhat acceptable opportunity to settle this with the stipulation that once the debt is paid the tradeline would be completely removed from my credit reports and this matter is resolved. I explaining to the representative that this alleged debt is the result of identity theft but was willing to pay the 70 % discount with the stipulation the negative tradeline would be removed. The representative rudely stated " not going to happen '' and went on to say the tradeline could only be updated to Not Paid As Agreed. This is completely unacceptable and fails to resolve my issue of removing a negative tradeline that I did not create nor authorize. Therefore as per my rights under the FDCPA I am submitting formal compliant regarding this alleged debt in which I demand the alleged debtor provide proof that I in fact opened this account. The proof I require is a copy of my signature on the original credit application. Copies of past billing statements does not authenticate me as opening the account.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I was going over my credit report and I noticed a few errors. I was reading according to the Fair Credit Reporting Act, 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, this was definitely not done. I demand the following accounts to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-28
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

I was scammed on XX/XX/2019 for XXXX dollars through XXXX XXXX and it put me in debt and made me overdraft so now I have to pay overdraft fees as well. I contacted chase bank and they refunded the initial amount then the claim closed and said they couldn't get the money back. I have talked to the police for the scam but more so than likely nothing will change so I'm hoping this can help return my money.
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (NJ)

XXXX XXXX is trying to a collect on a debt that was already paid. 
to XXXX XXXX ( see attached ) I have had no contact with XXXX XXXX other than a degrading phone call that was left for my mom claiming that she will be arrested if this debt was not paid. They are a straw debt buyer who has harmed several consumers such as myself. They have reported negative credit reporting to the credit bureaus. 

In the court case referred to above, the Federal Trade Commission alleged that XXXX XXXX XXXX XXXX XXXX violated the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq. and participated in unfair and deceptive business practices under the Federal Trade Commission Act, 15 U.S.C 45a
Consumer complaint received 2019-02-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Was in auto pay program with XXXX XXXX XXXX. The autopay was set up and schedule to be paid on 30 of every month.. XXXX did and always had there money on the 30th.  The problem lies with Bank of America not removing the funds in till days later when myself and wife think its already bern removed.. Month after month BofA did this on my account which should not be permitted..
Consumer complaint received 2019-04-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (FL)

I was not notified about the end of the promotional offer ... I went to pay it a few days later and was told that they added all the interest ... MORE THAN I owed!!! No effort to help me
Consumer complaint received 2019-02-13
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. (KY)

I have sent letters via priority mail and fax. I have filed a police report with the XXXX XXXX Police Department via submission number XXXX and an identity theft report with identitytheft.gov via reference number XXXX. I have included this information in each letter which I have sent over 10 times to each credit bureau including the following accounts that are results of identity theft. 

XXXX : Account : XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX Account : XXXX XXXX XXXX Account # : XXXX XXXX : Account : XXXX XXXX XXXX Account # : XXXX Equifax : Account : XXXX XXXX Account # : XXXX