davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-10-27
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)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

On XX/XX/XXXX I sent correspondence to PORTFOLIO RECOVERY ASSOCIATES '' PRA '', stating PRA violated REGULATION F, which started XX/XX/XXXX. Other Violations : -FDCPA XXXX by parking an alleged debt on my consumer reports. 
-15 USC 1981b2, I have NOT given PRA written permmission to report to my consumer report.

-18 USC 1028A, PRA engaged in AGGRAVATED IDENTITY THEFT PRA as of XX/XX/XXXX has NOT responded to any of the above violations and continue to report acct # XXXX to my consumer report. PRA is in violation of 12 CFR 1006.34C and 15 USC 1681. The Fair Debt Collections Practices Act and Fair Credit Reporting Act requires PRA respond within 30 days of receipt of my dispute.
Consumer complaint received 2022-12-09
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: Medical Data Systems, Inc. (GA)

I reached out to the MEDICAL DATA SYSTEMS I XX/XX/XXXX via each Bureau who sent my dispute directly to Medical Data Systems. I requested them to please investigate and delete from my credit report. They didn't respond. After they sent this I asked them to send me a breakdown of what they are alleging that I owe, the breakdown of fees, or bills and who the information came from. They DIDN'T RESPOND. I waited until to this matter was followed up with another letter from me on until XX/XX/XXXX to send a reminder letter and they also didn't respond. As of Today I still have not heard back from MEDICAL DATA SYSTEMS I. I am allowed under the XXXX 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 ANYONE, for them to release my medical information to a third party. I understand that the XXXX does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and XXXX authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you Please note that withholding the information you received from any medical provider in an attempt to be XXXX compliant will be a violation of the FDCPA because you will be deceiving me after my written request. I am requesting full documentation of what you received from the provider of service in connection with this alleged debt. IT HAS NOW BEEN OVER 90 DAYS SINCE THEY HAVE RECEIVED MY ORIGINAL LETTER. Being that they haven't responded means that they couldn't verify the information and therefore not only violated FDCPA but also XXXX. This account, account number # XXXX to be removed from my credit report immediately being that it is inaccurate and violates the regulations of the FDCPA and XXXX.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO. (IN)

My XXXX XXXX XXXX mother has XXXX. My sister and I are co-POAs. Chase bank is refusing to accept our Durable Power of Attorney. My sister and I need access to mom 's account to pay bills on mom 's behalf and to monitor the balance to ensure payments go through. 
On XX/XX/2023, I presented a lawfully executed Durable Power of Attorney to Chase Bank. They said they would have to have their lawyers review it and would be in touch with me within 4 days. XXXX week later, I receive a call from a representative stating that the POA has been refused. Chase claimed that the POA requires my sister and I to act in unison and they have " no way to monitor dual signatures ''. I informed the representative that I would contact an attorney, which I did. 
On XX/XX/2023, my attorney sent a letter to Chase referencing XXXX XXXX  XXXX. The letter included a copy of recorded POA, signed affidavits from both my sister and me, and a copy of XXXX  XXXX XXXX. No reply from Chase was received by my lawyer, my sister, or me. 
On XX/XX/2023, I went to Chase to inquire about my lawyer 's letter. I had to schedule an appointment with my mother 's " personal banker '' for the following day. On XX/XX/XXXX, I met with mom 's " personal banker ''. She stated she knew nothing of the letter but offered to file a complaint ( internal to Chase ). I asked her why she didn't offer to file a complaint when the POA was first denied but received no reply. I gave her copies of my lawyer 's letter and the POA to include with the complaint. 
On XX/XX/XXXX, I received a call from Chase saying that the complaint had been received and was being looked into. I pointed out to the Chase representative the second sentence of section 1.01 of the POA which states : " The affidavit of any one of my Attorneys-in-Fact shall be conclusive evidence insofar as third parties are concerned that any act of such Attorney-in-Fact has been authorized by the unanimous consent of all of my Attorneys-in-Fact and in such event any person acting in reliance upon such affidavit shall incur no liability to my estate because of such reliance. '' On XX/XX/2023, I received another call from Chase saying they had reviewed the complaint and are still denying the POA because it requires " my sister and I to act in XXXX ''
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

For the past seven months, the credit bureaus has been reported negative errors on my credit profile, and I would like to remove immediately I have not authorized or consented to any company trying to obtain my credit report
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TX)

Aidvantage does not give an option to put extra payments on principle. They have stated it is not possible to do so in their site. 

This leads to an unhealthy relationship with the individuals student loan and accrued interest. We as citizens should have a right to accurately pay our loans off with due diligence. The provider Aidvantage refusing an option to pay more on principle strips us from that right.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Hatfield, Inc. (IL)

On XX/XX/, I noticed the credit card company Grid never initiated a payment for my monthly credit card bill after I requested it to be drawn out. I've requested a total number of 6 requests and no money was ever taking out. I reached out to the credit card company on XX/XX/XXXX  and they told me to pay it another way in their system. On XX/XX/XXXX  I did that and I noticed the payment was voided on their end. So on XX/XX/XXXX  I noticed that my credit score decreased XXXX points because they sent late payment information to the credit bureau 's. Today I'm asking if this can be reversed due to a system problem with Grid.
Consumer complaint received 2023-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (TN)

I received notice from Aidvantage that my student loan payment will now be over {$800.00}. I was previously paying around {$270.00} prior to the pause. I emailed requesting explanation on XX/XX/21 and received an email saying to expect a response within 2 business days. Its been over 2 weeks and nothing.
Consumer complaint received 2023-06-07
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. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-08
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc (OK)

I purchased items with Affirm totaling {$940.00} and put a down payment of {$280.00} on the purchase. 

My first payment came due XX/XX/2023. 

I am experiencing some financial trouble right now and have been unable to pay. I have not answered any calls and the calls have become repetitive from several different numbers to the point where it is harassment.

Over the span of 7 days I have received 8 or more calls. Please be advised creditors who contact or attempt to contact an individual more than 7 times within a 7 day period are presumed to be in violation of the FCRPA.
Consumer complaint received 2023-11-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2023, I received an email from TransUnion. 

Order Confirmation & Account Access Dear XXXX, Thank you for choosing TransUnion! You have taken an important step toward protecting your identity & credit. Here 's the next one : Check your account details now Log into your TransUnion account to make sure your personal information is accurate and your account settings work best for you. Bookmark your login page so you can easily access your account when you need it most. 

If you have any questions, please contact our customer service team at : ( XXXX ) XXXX. 

LOGIN NOW Your Order Order Date : XXXX Order Number : XXXX XXXX Details [ ID XXXX with TransUnion Credit Report and Monitoring ] Billing Subtotal : {$0.00} Sales Tax : {$0.00} Total : {$0.00} Your TransUnion account is ready. Start taking advantage log in now. Need help logging in? Please give us a call at ( XXXX ) XXXX. 

Sincerely, TransUnion Get in the know I did not order this service, nor have I used this account for several years. When I attempted to contact XXXX  about this issue, the chat representative did not answer my question and disconnected me from the chat. 

I would like to know what TU is doing with this account.
Consumer complaint received 2023-10-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO. (CA)

On XX/XX/2023 at XXXX PM I received an email from JPMorgan Chase Bank offering a {$900.00} bonus for opening a Chase Total Checking + Chase Savings account. 

I clicked on the " Open an account '' button in the email which indicated that the coupon code present in the email would be applied to my account, and proceeded to open both a new checking and savings account. 

I received a confirmation email that my new accounts were opened at XXXX PM on the same day. 

The terms indicated that I needed to complete two tasks : 1 ) transfer {$15000.00} in new money to the savings account within 30 days, and maintain the balance for 90 days from opening, and 2 ) set up direct deposit within 90 days of enrollment. 

For task 1, I transferred money on XX/XX/2023, and am still awaiting the 90 days. 

For task 2, I had my first direct deposit to the checking account on XX/XX/2023. 

On XX/XX/2023 I submitted a secure message to Chase inquiring about the checking portion of the bonus, since it had been about a week since I completed task 2. In my secure message, I asked to confirm if the coupon code was applied to my account. I was told that it wasn't applied, and in a subsequent message that it could not be applied since it was more than 21 days since I opened the account. 

I think this is unfair since the offer email and the account opened email are only two minutes apart, so it is clear that I followed the open account link present in the email. I also think this is unfair because there is no indication whether the coupon code was applied at the time of opening the account, and I couldn't have known it wasn't until Chase failed to pay the bonus well after 21 days when it would be too late for a customer service representative to correct it.
Consumer complaint received 2024-03-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Experian Information Solutions Inc. (FL)

I did my taxes thru my XXXX XXXX account again this year and when it came in I immediately hit the transfer button to send it to my Experian XXXX Checking account. I use that as my main bank, so when I did it said funds won't be deposited until Tuesday so I hit ok. This was on XX/XX/XXXX. So Tuesday came and went, nothing ever to this day shows up in my checking account. XXXX XXXX said that they are going to do an investigation on it and gave me a case number and sent me an email with a tracking number and explaining that they did not have the money that my bank did which is experiential checking I call Experian digital checking and they tell me they don't have the money so all I know is it's my tax refund and I need the money and I don't know what else to do I hope you can help. The amount of my return was {$900.00}. the amount that I transferred was {$870.00}. this is the information that XXXX XXXX gave me the recipient ID is XXXX XXXX ob the tracking number or XXXX number is XXXX and the date was XX/XX/24. All I know is I need my refund this isn't fair to me it's been 2 weeks now thank you looking forward to hearing back from you have a great day
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (VA)

repeatedly disputed a collection account from an off campus student housing company, included all documentation for over a 18 months, As it was an apartment complex for students only, based on financial aid awards my dependent child was no longer a student, therefore ineligible for housing. 
The lease was not broken, there is no unlawful detainer or warrant in debt judgment as required by the State Law. 
The company changes the dates every dispute.
Consumer complaint received 2022-11-01
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (GA)

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately : XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX - XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Number : XXXX Account Number : XXXX
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.
Consumer complaint received 2023-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX XXXX is preventing me from obtaining an online copy of my Experian Credit Report via XXXX. I called Experian directly and they verified there is no condition on their end that is blocking my access and suggested I resolve this directly with XXXX XXXX XXXX. Unfortunately, this problem still persists.
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

XXXX has disabled it's website and/or my account discriminating against me as a consumer from disputing inaccuracies, incorrect, fraudulent data with them directly. XXXX in conjunction with the following credit data furnishers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has and continue to violate several Fair Credit Reporting Act laws. As a consumer I would like to exercise my right to the applicable following laws : 15 USC 6801 Protection of nonpublic personal information, 15 USC 1681a.2 Exclusions 15 USC 6802.a, b, c Notice Requirements
Consumer complaint received 2023-10-06
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (VA)

I had a Wells Fargo credit card around 2016 that was closed due to not being able to make the payment. I was charged fees and unexpected increase. Also tried making the minimum payment but Wells Fargo did not allow me to at the end when they automatically closed my card. This has really impacted me and my credit still is impacting my credit. I spent hours and hours trying to fix this with no luck.
Consumer complaint received 2023-06-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc. (OK)

I contacted payliance dispute department about fraudulent checks that were written in my name to XXXX XXXX XXXX XXXX. I opened a case with XXXX police department regarding identity theft. I contacted the bank regarding the checks that were supposedly written. The bank stated, " that their was no existing account and the checks were fraud. '' The checks were not my correct name, not my signature and the ID used was reported stolen with XXXX police department way before checks were written. I've set several emails to payliance with the fraudulent case reported to the police department. I have called and left messages. The company does not return calls, gives the run around and does not respond to emails. I have requested that the debt be removed from my credit on numerous occasions and it still has not been resolved. 

-- -- -- -- Original message -- -- -- -- Date : XX/XX/23 XXXX XXXX  ( XXXX ) To : XXXX Subject : Attention dusputes department Here is the following here is the following " XXXX Police Department Case Summary '' report requested. 

After contacting XXXX XXXX for a second time after speaking to you. I was told by XXXX XXXX that due to the fallowing fact regarding the fake checks all charges should be immediately dropped and my credit should be restored. 1, The checks are fake and there is not actually account associated with them. 2, The name is not my actually name. 3 The signature does not even remotely resemble my signature. 4 The ID number is written on the check was reported stolen way before the check was ever written. 

You can also contact XXXX police to get that report. XXXX, XXXX XXXX has given me his contact information to pass on to you if you have any further questions regarding this case.
Consumer complaint received 2023-06-23
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (NC)

Medical Data Systems refused to send me a statement about what I owed in medical debt. They stated they didn't have to by law. I am in XXXX XXXX XXXX and I can not renew my student loan without the collection being paid off. 

Therefore, I agreed and paid {$3000.00} with the promise they would send me a letter showing paid in full and that it would be removed from my credit. XXXX advised she would have a letter sent 5 days after the payment was made. I made the payment at the end of XXXX. I called a week later and spoke with XXXX, she promised to send a letter in 5 more days. I still haven't received so I called back begging for it to be faxed or emailed since it has been almost a month now that I have paid. XXXX then states they don't have to send one since they " removed '' it from my credit. 

Now that I have paid, the are REFUSING to send me a letter or receipt of payment. How can you pay XXXX and NOT receive a receipt of payment or notice that the debt was cleared. It doesn't matter to Federal Student Aid if it was removed from my credit. I need the letter showing proof it was paid. Without this I can not continue XXXX XXXX I am desperate.