davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/XXXX I sent a letter to the XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX Indiana ) in which I explained that I had been disputing a Chapter XXXX bankruptcy that was listed out of there courtroom in XXXX, IN. I explained that TransUnion stated that this information listed on my report was verified by the courts and I kindly asked what there procedure or policy was on how they verify bankruptcys w/credit bureaus Trans XXXX XXXX XXXX XXXX On XX/XX/XXXX I received the letter back from the XXXXXX/XX/XXXX ( see attached letter ) in which it stated that under the Fair Credit Reporting Act federal and state laws prohibit them from giving any advice nor verifying anything that is reported on ones credit report. So I immediately sent out a letter to Trans Union on XX/XX/XXXX ( see attached letter ) in which I clearly stated to them that the information you said that was verified by the XXXX XXXX Bankruptcy XXXX was either made in error or was clearly just a plain out lie because as you will see in the letter I attached ( to Trans Union XXXX XXXX XXXX XX/XX/XXXXXXXX ) it clearly states that fed and XXXX laws prohibit them from verifying and information about ones bankruptcy nor do they have any control over how trans union verifies this information. So that would mean that Trans Union lied when they stated that the information was verified by the XXXX XXXX Bankruptcy court which would then mean that the information is inaccurate and has violated my Fair credit reporting act rights and that it should be removed immediately. Well fast forward here we are into XXXX of XX/XX/XXXX and I am still fighting this matter with Trans Union XXXX XXXX XXXX because they either have me mistaken w/someone elses info or plain out have just made a mistake and will not erase this from my credit report. I have attached a letter from XXXX XXXX dated XX/XX/year> in which it clearly shows that the disputed information ( chp XXXX Bankruptcy ) was NOT verifiable and that it has since been removed yet however Trans Union will NOT remove this bankruptcy from my credit report which I have been fighting for almost a year now. They are falsely listing something under my name and in violation of the XXXX fair credit reporting act which they have violated my rights and plain out lied about the fact that the courts verified the bankruptcy. I hope that after filing this complaint that the CFPB will help me to get this chapter XXXX bankruptcy that is NOT MINE off of my credit report so I can finally purchase a home for me and my children because this whole matter has done nothing but cause me so many issues for no reason at all. TRANS UNION is the ONLY credit bureau that shows this listed not XXXX or XXXX only Trans Union. Please help me in getting this false information removed off my report. Thank you Sincerely, XXXX XXXX XXXX attached files w/letters I sent to these companies.
Consumer complaint received 2024-07-30
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Collection Bureau, Inc. (NJ)

I never set up any payments with this company. Suddenly a few months ago, I realized that they are taking {$120.00} per month from my bank account without my permission nor any communication from them. When I contacted them about this, they dropped the monthly payment to {$50.00} and refunded my other payments only after I disputed them with the bank. Today I suddenly have another debit for {$180.00} out of my bank account again without any communications from them or express consent from me.
Consumer complaint received 2024-08-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC (TX)

My servicing was transferred from Guaranteed XXXX XXXX to Selene Finance on XX/XX/year>. I submitted a previous complaint because Selene lost my entire payment. They have since found the money, but have not correctly applied my funds. 

As of XX/XX/XXXX, the full principal balance showed by Guaranteed Rate was {$130000.00} ( full statement attached below ). 

The balance that Selene credited me is {$130000.00} ( see attachment below ). 

See attachments below - for XX/XX/year> payment, Guaranteed Rate credited the payment as {$77.00} towards principal and {$1000.00} towards interest. 

Selene credited the payment as {$77.00} towards principal and {$1000.00} towards interest. 

I made my loan advisor aware of the issue as soon as I noticed it, on XX/XX/XXXX. 

On XX/XX/XXXX he replied and said that their accounts are correct. I replied the same day asking for an explanation of the discrepancy. 

On XX/XX/XXXX he replied : " I'm hoping this information will help in resolving the issues on the loan. This is from the payment processing team. Please review and let me know if you have any additional questions. 

Boarding XXXX  : {$130000.00} Interest Rate : XXXX Payment : {$1900.00} Payment Breakdown : Interest : XXXX {$130000.00} x XXXX divided by XXXX = {$1000.00} Escrow : {$800.00} XXXX  : {$1900.00} - {$1000.00} and {$800.00} = {$77.00} '' I replied on XX/XX/XXXX because the numbers he quoted in his email are incorrect, my boarding unpaid balance was {$130000.00}, not {$130000.00} as he and the payment processing team are stating. 

I again asked him to please look at the statement from XX/XX/XXXX from Guaranteed Rate which shows a different amount and have not gotten a reply as of XX/XX/XXXX.
Consumer complaint received 2024-08-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Phoenix Financial Services LLC (OK)

Phoenix financial, XXXX keeps contacting me repeatedly about a medical bill I owe from XXXX XXXX in XXXX. The date of service was in 2028. The first time they called they said I owed {$110.00}, after that they claimed it was XXXX, and now they say it is XXXX. I have explained to them that I have medical insurance and I should never owe a bill for that amount. And I have also explained that the date of statute of limitations is up and asked them to quit calling. They call repeatedly.
Consumer complaint received 2024-08-15
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (FL)

Hello, I have a complaint with the Discover company for rejecting me when I tried to pre approval and these bullies still didnt approve me. I am mostly angry with the Costumer Protection Service because they closed my account. I called the supervisors, but they dont help me. Sometimes, these people want to make my life miserable. I didnt mean to damage my account, for I just need to get some cash to deposit my debit card from a different bank account. Please help me. Thanks. 
XXXX
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (VA)

This account is from XXXX XXXX  the original creditor it was paid and closed and transferred/sold to XXXX XXXX XXXX  XXXX once XXXXXXXX XXXX XXXX XXXXXXXX got the account they started to illegally report to all the consumer reporting agency that the account had a balance and falsely reported that I made a payment on XXXX XXXX which I never did they said it came from a secured account but the account listed as an unsecured on Experian by XXXXXXXX XXXX XXXX XXXXXXXX and the next inacurassie is XXXX reported it as paid and never late transferred /sold with no balance remaining XXXX XXXX XXXX XXXX listed as a balance due that another violation and its also listed as a collection charge off with a past due balance and the final inaccuracy is where did this remaking balance come from if XXXX XXXX the original creditor listed it as paid enclosed is a copy of how it is being reported on Experian there are several inaccuracies and according to the fcra I am afforded a fair and accurate and verifiable consumer report and I am not getting that with Experian and this account being reported wrong
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (NJ)

When i opened an account with XXXX XXXX XXXX i started an autopay service with them. On XX/XX/year> they turned off the service and did not notify me thus resulting in me missing a payment. Once they called me to collect i was shocked to find out that i missed a payment and was told that everything will be fixed and they removed the late fees and told me they would send a letter correcting the credit report. I then recieved a letter saying they were right and inwas wrong and they arent going to do anything. I then spoke to XXXX rep and they told me that i never had autopay, then another rep told me i did but it was only for 6 months. Every single rep tells me something different.
Consumer complaint received 2023-10-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Credence Resource Management, LLC (MI)

I open a new phone with XXXX  in XXXX I had health issues and I actually attempted to make payments this collection agency is not the original collection this has been already on my credit report for years like seven years now they are attempting to collect from me again not going to happen. They dont have a right to place it on my credit report twice it was originally on my credit report in XXXX  by a different company for seven years just because this third rate collection agency bought the debt doesnt make it possible for them to place it again on my account this is unfair debt practices furthermore they will never get a cent from me
Consumer complaint received 2024-08-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (DC)

I received an email notice of a mortgage application from XXXX XXXX. I did not make the application. After contact the bank, I started working to place credit freezes at XXXX, Experian, and XXXX. 

I attempted to use Experian 's web UI but could not find how to place a freeze. They repeatedly directed me to their " credit lock '' product, which costs money. I tried using their mobile app. Same problem. Using instructions from https : //www.experian.com/blogs/ask-experian/how-to-add-a-security-freeze-to-your-credit-file/ I then called XXXX. 

This is where things get interesting. 

Upon calling, a recording told me I qualified for a free medic alert device. Without taking any action, I was transferred to a recording of " XXXX ''. This recording was designed to appear to mislead me into believing it was a real person : it asked me if I could hear them, and waited for a response ; and the recording included lots of " ums '' and other naturalistic speech. When I replied " no '' to the question of whether I wanted the medical alert device, a different, lower-quality recording told me I had reached the medic alert center and could not be helped. Then another recording played me some information about Medicare insurance. Then the system hung up. 

Here 's where things get EVEN MORE interesting : I tried to capture this using a free call recorder app ( " XXXX XXXX XXXX '' ). This app works by placing a call for you to the number you're targeting. You then call the service, and your audio is passed through as it records. When you hang up, the audio is made available to you for playback. Because the recording service is placing the call, it presumably displays a different originating number. 

When calls are placed from the recording service, Experian provides an entirely different phone tree experience from a direct call. I repeated this twice with the call recorder and four times with direct calls. The behavior was consistent. 

I am uploading the audio of these calls, which were placed on XX/XX/XXXX. You can also find them at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-08-10
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (IL)

They didn't threaten me, they collected a non-existent debt. On XX/XX/XXXX, I received a letter from Credence about the debt of {$110.00} to XXXX XXXX XXXX.On XX/XX/XXXX, I sent an email to Credence and attached a document on the return of the disputed equipment. I returned to XXXX XXXX XXXX the equipment on XX/XX/XXXX, without delays or violations. I attached documents confirming that since XX/XX/XXXX I use XXXX  services for home Internet and use their equipment. I proved that I am not guilty. More than XXXX months of meaningless correspondence with Credence. As a result, I was forced to pay {$110.00} to save my credit rating and continue disputes and complaints. I accuse Credence of bad faith, inaction, negligence in my case. I accuse Credence of inability and unwillingness to prove an elementary dispute to the real culprit. As a result of this case, my perfect credit rating is ruined. I am in the process of buying a home. I missed out on the benefit of the loan. I suffered personal moral suffering, XXXX, worry, irritability and XXXX, moral shock. I started having frequent headaches and XXXX. I ask you to punish the guilty, fix my credit rating, apologize, compensate for the moral damage caused to me.
Consumer complaint received 2024-08-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

On XX/XX/XXXX, I went to Chase Bank at XXXX XXXX XXXX XXXX XXXX, IN XXXX. I arrived at about XXXX and waited for a few minutes. The receptionist asked me what happened. I said someone stole my SIM card she asked for my driver 's license and my debit card and said the account was fine but if you were really worried, we could help you change a fake phone number. I said sure. After it was done, she said : " Look at your Chase App on your phone. '' Then I opened my account and someone had withdrawn XXXX customer service XXXX XXXX XXXX XXXX, my wife and I entered the customer service office and we told him : " My identity was leaked and I need to close all my Chase accounts, including checking, savings, credit cards and my children 's accounts. '' Then he closed them all for me and opened a new savings and checking account for me. He is now helping us with the fraud department. I told them about our situation and got the case number at about XXXX. We can get compensation within 5 working days, so we went to XXXX XXXX XXXX to make a phone call, and then at XXXX I found that the money in my checking account was taken away by someone at XXXXXXXX XXXX USPS XXXX XXXXXXXX XXXX XXXX XXXXXXXX NJ - {$2000.00} ATM DEBIT XXXX XXXX XXXX XXXX XXXX NJ. - {$1000.00} ATM DEBIT XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX I went to find XXXX XXXX, and he called the fraud department and said that someone used my debit card to steal money, and then he opened a case and waited for 5 working days to get compensation. I received a withdrawal of XXXX and XXXX XXXXXXXX compensation for other I NOT received?
Consumer complaint received 2024-08-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I requested the said consumer reporting agency REMOVE ALL ADDRESSES, PHONE NUMBERS, DATE OF BIRTH and NAMES that do not match my CURRENT DRIVERS LISCENCE I requested these items be DELETED/UPDATED well over 30 DAYS ago this is a direct VIOLATION OF THE F.C.R.A! DUE TO NO RESPONSE I have proof as well as receipts from the post office as well as the documents that were submitted
Consumer complaint received 2024-08-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

on XX/XX/XXXX I made a online purchases from XXXX XXXX, in the amount of XXXX after the item was delivered, I noticed the jeans were the wrong size, I reached out to XXXX for either and exchange or a refund via email. I received a response and was approved for the return. after sending the jeans back I did not received the refund or the exchange. I reached out to XXXX asked for the exchange or refund, no response after 30 days. I reached out again via email without a response and stated I would have no option but to dispute the transaction. I opened a dispute with bank of America claim # XXXX a temp credit was issued. 

I received notice of the bank unable to pay, due to the response of the merchant. after I review the documents the merchant sent to the bank, BOFA failed to properly review and investigate the information sent in by the merchant, the paperwork sent by the merchant shows clearly the exchange was sent to a completely different person and address. 

bank of America has a duty to protect its customer and has clearly failed to do so, the neglect to do a proper investigation, has put me in distress, as its hard enough to pay my bills. it has demonstrated bias toward my race, and has favored the merchant to make profit over its customers.
Consumer complaint received 2024-08-06
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: J J Marshall & Associates, Inc (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX [ EXPRESSED DATE : XX/XX/year> ] JJ Marshal & Associates XXXX XXXX XXXX XXXX, MI, XXXX Subject : Urgent Demand for Validation of Debt and Immediate Cease and Desist To Whom It May Concern, This letter serves as a formal and urgent demand for JJ Marshal & Associates to immediately cease all communication with me regarding the alleged debt JJ Marshal & Associates is claiming. JJM & A continued reliance on statements as evidence of this debt is wholly insufficient and contrary to established case law. The ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, clearly sets forth that mere statements do not constitute adequate proof of a debt. Therefore, I reject any assertions made by JJM & A agency based on these invalid documents. 

Moreover, I must address my previous cease and desist notice, which you have dishonored by your ongoing communication, particularly via credit reporting. I want to make it explicitly clear that a consumer report is indeed a form of communication. My cease and desist directive encompasses all modes of contact, including reporting this alleged debt to consumer reporting agencies. By failing to remove this information from my consumer reports, you are in clear violation of my rights as a consumer. 

Therefore, I am demanding the following actions be taken immediately : 1. **Cease all forms of communication regarding this alleged debt. ** 2. **Immediately remove any and all references to this alleged debt from my consumer reports. ** Your failure to comply with these demands will compel me to take further action, including, but not limited to, filing formal complaints with the Federal Trade Commission ( FTC ), as well as seeking legal counsel to protect my rights. I will not tolerate any further harassment or attempts to collect on a debt that has not been validated according to the law. 

I expect a written confirmation of your compliance with these demands within 15 days of receipt of this letter. This matter is serious and requires your immediate attention. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (ME)

After I used my ATM card at a different ATM than usual to deposit money, my online banking for my business was accessed by presumed cyber criminal. The money in both savings accounts was transferred into checking and two XXXX transactions processed that drained my business accounts. 

I have never shared my online user name and password with anyone. Despite clearly fraudulent activity inconsistent with my spending habits and them being able to see that the transactions happened in XXXX, I am live in Maine, they have it under investigation with XXXX of my money in the wind. Leaving me unable to operate my business. My sister wrote me a check so that I can make payroll. 

I have spent 15 hours changing accounts. I opened all new accounts at their insistence. Changed passwords. Accounts were drained Friday. Only to get a phone call late Tuesday from Bank of America that my online banking had been accessed again. 

I am supposed to be on vacation. I can't take vacation because of the financial XXXX created by Bank of America 's security breach and failure to return my money to me. Anyone looking at my transaction history can clearly see that this is fraudulent activity
Consumer complaint received 2024-07-19
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have a checking account with Bank of America that is supposed to deny all when there are no funds available to cover a transaction, yet a transaction was able to post and make the account go negative/overdrawn. I spoke with customer service a few times, I was told it was a bank error because of the deny all and I would be refunded. The refund never came. The original debit that went through occurred in XX/XX/year>. The company that debited my account is XXXX XXXX. The amount is {$280.00}.
Consumer complaint received 2024-08-09
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc. (CA)

BALANCE {$940.00} PURSUANT TO 15 USC 1692 ITIS ILLEGAL FOR A COLLECTION AGENCY TO BUY A DEBT AND COME AFTER THE CONSUMER FOR IT I DID NOT CONSENT TO THIS OR THE HARASSMENT. I DO NOT KNOW THIS COMPANY NOR DO I HAVE A BINDING CONTRACT WITH THEM. PLEASE REMOVE FROM CREDIT REPORT.