davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-11
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. (NY)

the information that's reporting on my credit report is incorrect and fraudulent and i need it removed from my credit report immediately and permanently. 




XXXX XXXX XXXX XXXX  Account Number Account Type Collection Terms 1 Month Date Opened XX/XX/2018 Account Status Closed Payment Status Late Payment Status Details Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due Amount {$87.00} High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual Original Creditor XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$1100.00} Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX, NY XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Company Sold-to - Original Amount {$1100.00} Comments - Payment History DISPUTE XXXX XXXX XXXX Account Number Account Type Collection Terms Date Opened XX/XX/2018 Account Status Open Payment Status Unknown Payment Status Details - Status Updated XX/XX/2018 Balance {$87.00} Balance Updated - Credit Limit - Past Due  Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX, MN XXXX Ownership Individual account Original Creditor XXXX XXXX XXXX Company Sold-to - Original Amount {$87.00} Comments - Payment History
Consumer complaint received 2024-04-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO. (VA)

I have a mortgage through Chase. I have had the mortgage for several years. I set up automatic payments through my bank. I have always paid my mortgage on time. Although the interest rate is fixed, the monthly payment periodically changes because of a change in the escrow payment. This XXXX the monthly payment increased from {$2300.00} to {$2300.00}, i.e., {$58.00}. I was not aware that the escrow was going to change, so I did not change the monthly payment amount. ( Chase told me that a notice of the escrow increase had been sent via mail in XX/XX/XXXX. While I do not dispute that they did, I did not receive the notice. ) Chase received my payment for XXXX and because it was less than the full amount they designated the the amount I paid ( {$2300.00} ) as " unapplied funds, '' They also accessed a late fee of {$85.00}. This went on until XX/XX/XXXX, when I discovered the issue. All told, Chase accessed XXXX late fees of {$85.00} each for XXXX, XXXX, and XX/XX/XXXX. When I discovered the issue I contacted Chase and paid any arrearages in full and Chase wiaved XXXX of the late fees, but not the remaining XXXX.. 

What happened was readily apparent : After regularly making payments, the monthly payment increased and I did not adjust the automatic payments. Despite this Chase did not call me or send me a letter. While I received emails from Chase concerning this issue, I receive a lot of emails from Chase, most of them marketing emails. An issue like this merits a phone call or letter via first class email. 

I view Chase 's conduct as predatory. By failing to call me or send a letter Chase allowed the account to stay in arrearage while accessing interest and penalty. Notably Chase 's late fee is disproportionate. A payment of approximately XXXX was less than {$60.00} dollars short. For this Chase accessed a {$85.00} late fee ( which is the same late fee I would have been accessed if I missed the payment entirely ). Also, by holding the full amount I paid without applying it to my principle, interest or escrow, I also accrued additional interest. 

I ask that Chase be held accountable to not only me, but to anyone else hurt by its predatory practices.
Consumer complaint received 2023-03-14
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: Georgia Student Finance Authority (GA)

In accordance with the fair credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Foris DAX, Inc. (CO)

Upon the recommendation of an online acquantance/advisor, i wired {$5200.00} in XX/XX/2022 and {$50000.00} from my XXXX XXXXXXXX XXXX savings account to XXXX XXXXXXXX XXXX , agent for Crypto.com that was to be used for trading crypto currency options using the site XXXX Using a fraudulent password mechanism, the funds were transferred from my account at Crypto.com to a fraudulent site ( supposedly XXXX ) and can not be recovered. 

I have communicated with XXXX XXXX XXXX and Crypto.com ( letters attached ). This fraud is a well known scam and these organizations must be held liable for ongoing losses by consumers. Transfers of funds out of Crypto.com is insecure and consumers are at risk. 

Please see attached communication between me and Crypto.com.
Consumer complaint received 2023-03-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP (NJ)

I received this letter ( attached below ) in the mail from a supposed law firm stating I have toll pass violations that I need to pay outstanding fees and and outstanding toll payments for. I verified with the XXXX XXXX and XXXX  XXXX ( toll company ) that I have no outstanding or late payments.
Consumer complaint received 2023-04-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management (FL)

I am not liable for this debt with AmeriFinancial Solutions and do not have a contract with them. They did not provide me with any original documents or signatures like I asked. This debt was not properly validated. 
The problem is the company didn't provide the documentation that proves I owe anything. Where is the contract between the company and me? Where is the full accounting because I can't just take their word for it that I owe some company I've never contracted with, some made up number?
Consumer complaint received 2017-05-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

So, my loan was transferred/sold from  XXXX   XXXX   XXXX , whom by the way ... were a class act ... .now with  1st investors Financial s ervices, literally the way i find out, is because i no longer had access to my online with veritas. Now with  1st In vestors, i speak with Agent  XXXX   XXXX  -- after she verified my information, i asked who they report to ... .what Credit Bureaus ... she proceeded with " I dont know that, i dont know who we report to '' she was very snarky, and quite frustrated ... .Rememeber this is the first ever time i find out i am not part of this finance company. She transfered me to the Manager  XXXX   XXXX , i asked her what Credit bureau do they report to ... ..she is the manger of the collections department, and she had NO IDEA WHO, so now this frustrates me and confuses me ... ... she had to place me on hold to find out whom they report to ... turns out, its to all  XXXX  Bureaus, which makes me happy ... .i was also told that all my Automatic payment info was transfered with the process ... ..turns out,  XXXX  says it wasnt and now i have to fill out some form, so that i can be set up on this again. my payments are do on the  XXXX , today is  XXXX  ... ..they will honor and back date my payment. the only thing is, for budgeting purpose i asked to debit my card, but it would be a {$13.00} charge and it is a 3rd party charge ... ..i asked them to waive it as a courtesy, and they could not. i am not happpy with the false information that was provided to me and unhappy that there account reps didnt know who they report to. First impressions are everything, and not once did i file a CFPB Complaint about  XXXX  ... ... i advised  XXXX  that i would be filing this complaint, and there is nothing she did to keep from doing this.
Consumer complaint received 2023-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Pursuant to 15 USC 1681a ( 2 ) to states that you can not report EXPERIENCES or TRANSACTIONS on my consumer report. LATE PAYMENTS are Transactions and an Experience this is a violation of my consumer right. You must respect my right to PRIVACY. 

I am a federally protected consumer which mean I reserve the right to privacy. 

Account Name : XXXX Account Number : XXXX
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. ()

On XX/XX/2023, I sent a money transfer in the amount of {$50000.00} to my sister 's account in XXXX. The transfer was cancelled by the correspondent bank for some unknown reason and sent back to my account at XXXX XXXX. The money has not yet been returned and I am very worried because they do not provide me with any information. As a result of my investigation, I found out that the money is in the American bank J.P.Morgan. I ask you very much to understand this situation and help me.
Consumer complaint received 2023-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon B. Sage, P.A. dba Sage Law Offices (FL)

My son received 2 XXXX XXXX XXXX of XXXX min each, from XXXX XXXX XXXX. The market price range of this service is around {$50.00} per session. Prior to the sessions, I received an estimated price of {$120.00} per session. That information was provided by XXXX XXXX, the actual physiotherapist that attended to my son. The quotation the Hospital offers in their website is {$100.00} per session. 

Despite my son needing treatment of XXXX sessions, after XXXX we decided to change the provider due to the bad services my son received. 

However, after a while the hospital billed the insurance the amount of {$1900.00}, meaning 8 times more than the estimated cost ( {$120.00} per session ). The insurance paid {$280.00} and adjusted the total charge with the hospital. So, the hospital sent me a final bill of {$80.00}, which I paid. 

To my surprise, some months after the hospital started to bill me an alleged difference of {$1500.00}. 

The hospital received {$18000.00} per each ridiculous session of 30 minutes. More than the estimated {$120.00}. 

This overpriced charge is totally illegal since the hospital adjusted the cost with the insurance as well as already charged me the difference not covered that I paid promptly. 

It is notorious that once the total charge is repriced by the insurance, and the provider accepts the lesser fee, the extra value CAN NOT be charged. 

Some months ago, came to me an internal communication whereby the actual hospital employee recognizes they are trying to receive an amount 400 % above the price already paid which they prior accepted. 

The hospital is violating the No Surprises Act rules by billing us an enormous amount extremely over the good faith estimated price. 

Besides, I didnt receive any itemized list with specific details about the services provided able to justify the amount pursued by the hospital. What in that physical therapy sessions would justify such a huge cost? 

Recently, I started to receive threat letters from Sage Law Offices ( debt collector ). Even after I explained to them and PROVED the payment, they are insisting on harass me with undue charges. I made some search, and it seems to be the modus operandi of this Law Firm. 

On XX/XX/2023, I disputed the collection. However, nobody answered me. 
On XX/XX/2023, I received another debt collection letter, once again ignoring my dispute.
Consumer complaint received 2024-04-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I purchased XXXX XXXX XXXX XXXX basic car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through XXXX XXXX I started paying XXXX XXXX XXXX XXXX  {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit XXXX times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car XXXX XXXX told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to XXXX XXXX XXXX I paid them {$27000.00} I also had Gap Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires XXXX month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company XXXX XXXX had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business XXXX
Consumer complaint received 2023-03-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA (NC)

On XX/XX/XXXX I made my payment on my apple card through the apple wallet. However there appeared to be an issue with processing the payment on Apples side as it didnt post until the next day which charged interest. I called and spoke to XXXX on XXXX who is a supervisor who opened a dispute on XXXX the dispute was resolved in my favor and the interest was credited back. However in doing so the company Cancelled the payment and did a manual credit in doing so they placed a hold on the payment until XX/XX/XXXX I called again on XXXX and spoke to XXXX another supervisor at apple who agreed that the payment should not be held as the already hold the funds and it was just a simple back dating of the payment. He advised that he would escalate this up to the customer advocacy team and that I should have a call back later that day. I have called every day since the XXXX and continue to get a different answer every time. Meanwhile my payment is on hold and I have no use of my card and its causing my autopay 's to be rejected.
Consumer complaint received 2022-12-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-11
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)

" I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue. ''
Consumer complaint received 2023-03-16
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. (FL)

In accordance with the Fair Credit Reporting act and XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Consumer complaint received 2023-03-14
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. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-04-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (GA)

I Would like this XXXX item removed off my credit because the debt that is on my credit wasn't done by me. I have no knowledge of who attained my information. The information that is reporting on my credit is inaccurate and it need to be removed asap, i contacted XXXX was no help they couldn't do anything to better assist me. It indicates the account was opened XX/XX/2023 with out my knowledge. The the total sum I have to pay is {$1600.00}
Consumer complaint received 2024-04-09
Product: Credit reporting 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 XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX Dear Equifax Im sending this second letter in response to your updated letter which stated that you have verified the account. In your letter, you also told me to contact the furnisher about this account. I did that. I sent them a debt validation letter asking them to prove to me that this debt is in fact mine. They never, and I mean never, responded to me. 

From my understanding of the Fair Credit Reporting Act, and please tell me if Im wrong, if an item is unverifiable, it must be deleted, right? Well the collector never responded to my validation request and as a result, the item is unverifiable. Im asking your company to do the right thing and follow the law as its clear, and delete the follow account below : XXXX | XX/XX/XXXX : Account number : XXXX, Monthly payment amount is not consistent per bureau. Can you delete this ASAP and send me and update. 

If for some reason, you choose not to investigate, or send me another letter stating that you have already verified the account, I will do the following : ( 1 ). File a complaint with the Attorney Generals Office. 

( 2 ). File a complaint with the Consumer Financial Protection Bureau. 

( 3 ). Explore all legal options on this matter. 

I dont want it to come to this. Please delete the account.