davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Duvera Billing Services, LLC (TX)

The account is not my account and I have never had any business with Duvera/ XXXX Pay XXXX. I sent a letter regarding this debt collection attempt to this company indicating that this debt is not mine and that I am a victim of identity theft I have made attempts to get this situation resolved due to the fact that I have no knowledge of the debt owed. I have requested verification and validation of the debt owed including a legitimate signature and state issued ID validating that I authorized this account. I have attached a copy of my ID Theft report and letter.
Consumer complaint received 2021-12-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MO)

I was going to switch cell phone companies and wifi to XXXX. Signed up over the phone, they sent me new equipment but the phone numbers had to be ported. I made 3 trips to their store, went to XXXX XXXX XXXX and paid off my phone. Kept trying to get # s ported but ran into so many roadblocks and poor customer service- then was told by some smart XXXX  kid I didn't have to go through with it because I hadn't even ported the # s yet- I said, " you're right, I'm staying with XXXX XXXX XXXX XXXX XXXX I returned equipment directly to the store, unopened, directly to store manager, XXXX XXXX. This was another 2 hr ordeal that even HE could not get resolved. He wS put on hold and was transferred to 8 different people. He promised me he would work to resolve it when store was not busy. Went back up to the store to show him a bill I got for {$280.00}. He tried to remove that- unable to, then told me his computer said I owed {$680.00} AND I would be sent to collections! For WHAT? Today I received a letter that I have been referred to Convergent Outsourcing for collections {$680.00}. This is after XXXX XXXX, manager, worked on my problem and sent me a screen shot that showed I owed {$0.00}. I also received an email that the equipment was received. I am beyond livid. I am a XXXX I work very hard for Mt $ $ and I'll be XXXX if XXXX is going to EXTORT {$680.00} from me. This started on XX/XX/2021.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (PA)

At this time, I have both non-promotional ( NP ) and promotional ( P ) purchases on this store card. The P purchases are on a six-month promotion which ends XX/XX/2021. I have a few NP purchases, so every month, I pay the NP purchases off and at the same time, pay the minimum due for the P purchases. on XX/XX/XXXX, I spoke with the bank and the rep told me that my NP purchases for my XXXX statement totaled approx. {$75.00}, so I made a payment of {$110.00} which would cover both NP and P purchases. She told me to call back in a few days to make sure the payment was allocated the way I wanted : to NP purchases first, then P purchases. Today I spoke to 1 more phone rep, 1 phone supervisor, and 1 chat rep, all of whom gave me a different answer when I inquired about allocating. The first rep said my NP purchases totaled {$88.00} ; the supervisor said the NP purchases were {$65.00} ; the chat rep said the NP purchases were {$100.00}. Only after asking and re-asking the chat rep did she finally confirm that the NP purchases were {$65.00}. She also confirmed that my payment of {$110.00} was allocated to NP purchases first ( all of the these dollar amounts are approximate and don't include cents ) So, this is a total of FOUR reps who gave me conflicting information. And, there is no way for me to confirm if the payment was allocated correctly because that info is not available when I'm logged into my online account. HELP.
Consumer complaint received 2016-03-01
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Texas Guaranteed (FL)

TG continues to call me multiple times per day, as early at XXXX and as late as XXXX. They continue to call even though I have asked them not to. They called my employer and proceeded to ask them personal information about me and where I live. They even asked my employer to verify my Social Security Number.
Consumer complaint received 2021-07-27
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Nicholas Financial Inc. (FL)

This complaint is against Nicholas financial. This vehicle is attach to account # XXXX. This account was involved in an accident and paid for by gap insurance. So imagine my surprise to see that this company is reporting this as a voluntary repo to all three bureaus. Im requesting a removal Of this account from my credit report. According to fcra information must. Reported with 100 % but this isnt accurate help me
Consumer complaint received 2021-07-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TN)

Well, this have been an issue for years XX/XX/XXXX. I was sent an Threatened email saying there is an lawsuit case # XXXX. Total amount owed is : {$860.00} and the settlement amount is : {$290.00} that was filed against me by Ace Cash XXXX /XXXX  XXXX XXXX XXXX XXXX . This debt was originally a debt due to ID Theft because they had another name attached to this loan even though some of my personal info included SSN was included ; yet since then, I did file for Ch XXXX bankruptcy on XXXX of XXXX and it was charged XX/XX/XXXX. Which I do have a copyof the Ch XXXX Bankruptcy being discharged from a Federal Bankruptcy court in XXXX, Texas by U.S. Federal BankruptcyJudge, Judge XXXX XXXX XXXX. Bankruptcy case # XXXX. Wo this loan debt is no longer owed and I have repeatedly contacted XXXX XXXX and XXXX XXXX and it is also to resolved this issue and I have even put in a previous Financial Consumer protection complaint against this same company. I do not have the reference number yet it should be on record and thus is my third complaint against this company.
Consumer complaint received 2021-07-27
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately and updated or i will file for litigation due to the XXXX  you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-04-16
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings (CA)

On XX/XX/XXXX, I received a call from XXXX XXXX claiming to work with XXXX XXXX XXXX and that she was attempting to collect a debt. 

During the entirety of the call, XXXX was rude. She asked about my monthly bills and when I mentioned to her that I have XXXX kids she said that then my tax refund should be enough to cover the bill. I told her that it was not enough and I had not yet received it and she continued to state that I was lying because having XXXX kids I should receive a pretty big refund. She told me the tax credits is XXXX so times that by XXXX it should be plenty. I tried to explain that it was not that and she told me that I was lying. Then she moved onto to tell me that I can get a personal loan from a webpage online. I told her I wouldn't qualify and she got upset with me and told me that then I would have to ask for a loan from a family member. She then mentioned that I needed to reach out to HR where I worked to get a XXXX loan for that amount. She told me that I had until XXXX PM that day to figure it out or it would be reported to credit bureaus. 

I called back at around XXXX PM that day, and she answered the call. I told her I never received a written letter about the amount that I owed and I know that I am supposed to receive it and have 30 days to respond to the letter. She got upset and told me that she didn't have to and that I needed to figure out how to pay right then. I then asked if I could speak to someone else and she said there was no one else to talk to. I hung up and called the number and she answered once again and laughed and told me that I would not be talking to anyone but her. I told her I would not make any arrangement XXXX to make the payment until I received the letter. She told me she was going to move forward stating I was refusing to pay. I told her that I was not refusing to pay that I am just asking for the written letter stating the information regarding the debt. When I mentioned that she stopped talking and waited for me to hang up. 

I have not received a written letter.
Consumer complaint received 2019-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NH)

My XXXX check card number was stolen and used for thousands in unknown purchases. I informed the bank immediately. Inexplicably they didn't return my stolen money ( but they did send another card ). 

This {$2800.00} negative item was the result of fraud and the account should be removed from my credit report : XXXX XX/XX/2019 BALANCE {$2800.00} ORIGINAL CREDITOR XXXX XXXX XXXX
Consumer complaint received 2021-07-27
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION (GA)

In this year of XXXX the month of XXXX has been filled with, fraud and scam within the BB & T financial institution. Back on XX/XX/XXXX I was approved and received a loan in the amount of XXXX. The money posted on a Saturday morning so therefore the more rightful thing to me was to wait until that following Monday to withdraw an decent amount in order to handle my payroll and supplies for XXXX. I also was involved in a car accident which resulted in me receiving an settlement check from the company XXXX in the amount of {$2300.00} receipt are on record. I deposited my settlement check that Sunday XX/XX/XXXX. XX/XX/XXXX I proceeded to go into my local branch to make a withdrawal and was told I could not due to my account being blocked, they also placed a {$100.00} hold on my settlement check reducing its amount to now {$2200.00}. XX/XX/XXXX BB & T proceeds to tell me they could not release my funds to me unless I could produce paperwork stating my XXXX  pertaining to XXXX. After producing my EIN, Reservations and bank statements I was still denied my funds and was told the loan was reversed. After contacting the Lender XXXX XXXX no confirmation was received that the loan was sent back and nothing was reported unto SBA to clear my name. I still have no answers as todays date XX/XX/XXXX and Im also in debt having to pay {$20000.00} to the Small Business Administration starting XXXX of XXXX
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated (CA)

On XX/XX/2019 I file a transaction dispute on my CA XXXX XXXX   card for {$180.00} that is not mine. This transaction was on XX/XX/2019 via pin. The card was with me at all times. The area where the transaction happened is out of my county. I just learned today that my dispute was denied and closed.
Consumer complaint received 2021-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Social Finance, Inc. (NY)

I have a fraud alert and their security Team refuses to call Me and clear it my app is pending approval but they dont care to call me and take care of it its a simple verification process their giving me such a hard time what a horrible experience company
Consumer complaint received 2021-07-27
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: LJ Ross Associates (GA)

On XX/XX/2021 I checked my credit report and found erroneous information that indicated I hadnt paid an account that I didnt authorize to be opened in my name. I am making a police report today and id like this account investigated and removed from my credit profile. The account hit my credit on XX/XX/2021
Consumer complaint received 2021-07-27
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I wrote the three credit bureausXXXX XXXX XXXX and TransUnion on XX/XX/2021. I sent my disputes certified mail. None of this companies have responded in the past 30 days.
Consumer complaint received 2021-07-27
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated (NY)

This debt was a result of identity theft but I was unable to dispute it as both XXXX  and XXXX  verified it as accurate. The debt was then paid through a collection agency in XX/XX/XXXX, as of XX/XX/XXXX the debt is now back on my credit report under a new collection agency even though it was paid in full.
Consumer complaint received 2019-12-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (WI)

Loan for a new vehicle was refinanced out of USAA. USAA received payment from the new bank which the loan was received from. USAA then proceeded to continue to charge my automatic payment amount for $XXXX  on XX/XX/2019 despite the loan being paid off on XX/XX/2019. When speaking to USAA they would not refund this payment until they received it in their bank and I was instructed to call 2 business days later. A full business week has passed since the incorrect debiting of my account and they still will not issue a refund since they say they have not received the funds despite it being removed via automatic payment. The funds are being deposited into a loan account that has already been closed and thus I do not have access to see if it has arrived.
Consumer complaint received 2021-12-31
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (GA)

I am XXXX XXXX and Im submitting the complaint myself and there is no third party involved. After recently obtaining a copy of my consumer report I became aware that Medical Data Systems XXXX inc. is reporting an " alleged '' debt to my consumer report. In accordance with my rights under the Fair Debt Collection Practices Act I am disputing this account and requesting a validation of debt ( 15 USC 1692g Sec. 809 ( b ) ). I am NOT requesting verification but I am requesting for VALIDATION and PROOF OF CLAIM. I request that their office provide me with evidence that I am obligated to pay them. Continuing to report this debt without properly validating is a violation of the FCRA ( Fair Credit Reporting Act ; 15 USC 1681 ). You have 30 days to respond to this request or this debt will be considered invalid and the demand for removal from your reporting agency will be required. I need this problem resolved as soon as possible as this is a negative reflection to my consumer report. Medical Data Systems , Inc. received all documents and supporting evidence of my complaint through the mail on XX/XX/2021.
Consumer complaint received 2019-12-13
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (CA)

Several months ago, I received an alert from my credit monitoring service indicating a negative account was added to my XXXX  and Equifax credit files by XXXX XXXX so I drafted up a letter and mailed it to XXXX XXXX via USPS Certified mail with Returm Receipt. Several days later, the mail was returned to me as undeliverable because XXXX XXXX refused delivery. I have included photos of the actual letter I sent along with front and back pictures of the envelope with postage/certified mail sticker/return receipt still attached, with the word "Refused XX/XX/XXXX" written on the front of the envelope and the envelope remains unopened. Under the Fair Debt Collection Practices Act, I have the right to validate the alleged debt and due to XXXX XXXX deliberate intent to evade this process, has not afforded me the opportunity to do so. Their failure to validate debt and accept mail delivery to their business is a clear violation of the law.
Consumer complaint received 2019-12-13
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. (AZ)

My Transunion report shows XXXX XXXX is not reporting every month from the beginning of ALL my timely car payments. 

XXXX XXXX ( a finance co. ) refuses to give me my amortization schedule for my paid in full loan here. I am entitled to have it -I am a consumer.
Consumer complaint received 2021-12-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation (VA)

This is pertaining to VA toll service. I owed XXXX in tolls and VA sent me to this collection agency and they want XXXX in administration fees. 13 tolls total and they want XXXX dollars for each toll. I have a toll pass but funds were not available due to having XXXX XXXX. I can send the statement they sent me. Thank you for your time
Consumer complaint received 2019-12-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MO)

I am enrolled in the Public Service Loan Forgiveness program since XX/XX/XXXX. The amount of qualified payments I have made have been miscalculated. I called them in XX/XX/XXXX and I was told that they are recalculating the payments and will contact me when they are done. I called them today, XX/XX/XXXX and spoke with XXXX. She told me that their calculations were accurate. The missing payments that were not included in their calculation was because I did not make a payment even though my payment was {$0.00} ( a lump sum payment was made for the year ). They do not count my lump sum payment as adequate payments even though it was applied to my bill for the year.
Consumer complaint received 2019-12-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (AL)

I had a credit card with Chase bank in which a few weeks after receiving the card, a fraudulent transaction was made to 'XXXX  XXXX  ' on XX/XX/2019. The charge was for almost {$6000.00} and I disputed the charge. 

I spoke to several customer service, security team etc agents and nothing was done until I received a letter a few months ago claiming that " They had received my fraud claim for a purchase of around {$460.00} on XX/XX/2019. It was to XXXX XXXX  but it was for the wrong amount and the wrong date. I NEVER even made a purchase of ANY kind on XX/XX/XXXX, and my credit card statements reflect that. 

So I filled out the fraud claim statement but told the fraud team that this was the wrong amount and the wrong date. The agent I spoke to stated that it 'was fine and they would take care of it ' Months later, this fraudulent charge is STILL showing up on my account as of today. Even more so ... .Chase has been charging money for the outstanding balance payment AND still charging me interest for the account. Even while their investigation was going on, they are now even charging me a late payment after I spoke to an agent and said I refused to keep paying on a balance in which I made NO charges. 

I still have the fraud claim letter and my credit card statements PROVING that the mistake was on THEIR part. And they closed down my account as if I was the one to blame. This is beyond unprofessional and I am upset about being ignored and taken advantage of. I have still made payments before now because I figured that Chase would reimburse me for my payments and plus I didn't want it to show as a late on my credit report since the process of dealing with the credit bureaus is enough of a pain and would take a lot of unnecessary time. 

Please have Chase delete this fraudulent charge and I would like them to restore my account. The fraud was NO fault of my own so there is no reason I should be treated as such.