davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC (FL)

On XX/XX/2021 I received a notice of debt from " JEFFERSON CAPITAL ''. with this communication they've engaged in the following actions : Violation of 18 U.S. Code 1028 ( a ) ( 7 ) Violation of 15 U.S. Code 1692c ( a ) Violation of 15 U.S. Code 1692c ( a ) ( 1 ) Violation of 15 U.S. Code 1692d Violation of 15 U.S. Code 1692d ( 1 ) Violation of 15 U.S. Code 1692d ( 2 ) Violation of 15 U.S. Code 1692e ( 2 ) ( A ) Violation of 15 U.S. Code 1692e ( 10 ) Violation of 15 U.S. Code 1692b ( 1 ) Violation of 15 U.S. Code 1692b ( 2 ) Violation of 15 U.S. Code 1692b ( 5 ) On 07/22/2021 I sent " JEFFERSON CAPITAL '' an affidavit of truth ( via certified mail ) regarding the " notice of debt '' and how with this notice they have violated federal law, constituted identity theft, and caused and invasion on my personal and consumer privacy. I sent " JEFFERSON CAPITAL '' a consumer demand for civil penalty pursuant to 15 U.S. Code 1692k ( a ) ( 1 ) and pursuant to 15 U.S. Code 1692k ( a ) ( A ) On 07/26/2021 the postal service confirmed " JEFFERSON CAPITAL '' received my communications. 

On XX/XX/2021 I spoke with an agent of " JEFFERSON CAPITAL '' ( XXXX XXXX ) and she further confirmed that " JEFFERSON CAPITAL '' had received the affidavit and consumer demand. 

" JEFFERSON CAPITAL '' is knowingly and willingly violating federal law and not adhering to their legal obligations. They are running wild and need to be stopped. Many consumers will be harmed if they don't stop.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (VA)

XX/XX/2021 - Asked Chase Credit Card Services if any programs to assist those affected by COVID with credit card payments- Offered to convert the open revolving account to a closed, fixed rate, fixed payment until account paid off in FULL, with interest. 
XX/XX/2021 - Pulled credit report and noticed Chase was reporting the account as under a " partial payment plan '', which greatly impacted credit score. Initiated dispute through XXXX and through secure message on my Chase account XX/XX/2021 - Chase updated information and corrected credit report XX/XX/2021 - Chase sent another credit report to XXXX and put the derogatory comment back into report. Contacted Chase, and was told " that's just the way we report accounts that we move to an account liquidation status '' Refused to correct the false statement on credit report. 

I have also attached the score information from another account that shows they are reporting this as a severe delinquency the way that Chase is sending false information.
Consumer complaint received 2023-02-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (TX)

Citi claims that when I opened an account with Best Buy in XXXX, I agreed to a debt protection program. I was not aware of my enrollment in this program. I noticed the recurring fees for this debt collection program on my statements. I called for an inquiry and was told that XXXX is when I was accepted for the card and agreed to the terms of the debt protection. The fees just from XX/XX/XXXX to XX/XX/XXXX add up to almost {$100.00}. The only response I received was that they would cancel the program. I requested a copy of my enrollment documents and the contact information for who I may ask for a refund of the unauthorized charges to my account. The service representative stated that the information would be included with my enrollment documents that would be mailed to me ; however I do not believe such information will be included IF I ever receive proof of my enrollment. After some research, I see that Citi faced backlash in the past for the same fraudulent practices. In XXXX CitiBank was ordered to refund over {$700.00} XXXX dollars to its consumers. As I have been an account holder since XXXX and CitiBank claims I enrolled at that time, they should have remedied issues such as this in XXXX. I want a refund of all charges related to debt protection on my CitiBank Best Buy credit card account from XXXX to the present.
Consumer complaint received 2021-09-16
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage Services notified me in XXXX of this year they had purchased my VA mortgage loan from XXXX XXXX. I immediately sent them notification regarding my insurance company, their address and phone number. 

I received a letter from Carrington dated XX/XX/XXXX of this year indicating they had not received evidence I had hazard insurance and threatened to buy insurance for my property ( at elevated rates, of course ). 

When I could not immediately reach my insurance agent I called my insurance company 's home office ( XXXX ) and spoke with a young lady named XXXX who said she would fax them a copy of the Declaration Page that day. 

At that time I also send a copy of the Declaration Page to Carrington by snail mail as a back up. 

I reached my local agent, XXXX XXXX XXXX, on or about XX/XX/XXXX. She assured me she would immediately fax Carrington the Declaration Page at the phone number listed in their request letter. 

On XX/XX/XXXX a review of the status of my insurance policy remained listed as unpaid and Carrington was still requesting the same Declaration Page submitted to them at least three times previous. 

Today I again submitted for the 4th time the Declaration Page which Carrington refuses to acknowledge. This I submitted the requested documentation through their website.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I had a HELOC with XXXX XXXX XXXX, XXXX  that was paid off when I sold my property on XX/XX/2021. Received notification that my account was closed by XXXX XXXX dated XX/XX/2021. I received a notice my mortgage was satisfied and lien released on XX/XX/2021. 
As of XX/XX/2021 my credit report still is reporting a balance on this account. I have called XXXX XXXX three times and each time they tell me that they are reporting correctly. However on my last call to them they confirmed that I paid my account off on XX/XX/2021 but they last reported on XX/XX/2021 and it could take up to 45 days for credit companies to get update. I have filed two disputes with the credit bureaus ( XXXX and TransUnion ) both times they will not update the information because XXXX is stating they are reporting correctly. I believe if I was past due on my payments, they would have been reported by now. This is adversely affecting my current ability to get a better rate on a new mortgage, as well as hindering my current mortgage process. I don't think that they are reporting positive items in a timely matter and this needs to be addressed. This is beyond frustrating.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 2021-09-16
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. (AZ)

I did not authorize these inquiries witch are as follows, XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX  all were on the date of XXXX XXXX..This aint me I need these removed I tried to call trans union and they did not give me no help I had answered all ther questions and did all the steps and they still gave me a hard time that is why I am contacting your company to let know this is not fair no right I even explained to them that under the FCRA legally these unverified & unauthorized items Must be removed!! And they still did not help me
Consumer complaint received 2021-01-05
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. (OH)

On XX/XX/2021 I called to report that several unauthorized inquiries were listed on my credit report. After 3 phone calls with representatives that were heavily resistant to direct me to the fraud department and a total 120 minutes in waiting to reach someone they failed to assist me and remove these inquired after committing to help remove them. This is the opposite of XXXX  who helped me remove the inquiries in less than 4 hours. Its been 10 hours since my first Transunion call and nothing has changed.
Consumer complaint received 2021-09-16
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Wallace Management Company, LLC (NM)

XXXX at Liberty Finance has been very rude. Has called me 2-4 times a day regarding payment. Before her there was a man name XXXX and I had asked not to be contact through references and they had put it on my file. Today XX/XX/XXXX they called my references after I had already let them know not to. I have had a rough time since my husband and son had XXXX  and was unable to work for a while. I did let her know I will contact her when I can make a small payment. She was very rude and said she will keep trying to call me after I told her not to call me or my references.
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (CT)

There has been significant misinformation between the StudentAid.gov website as well as MOHELA, my loan servicer, affecting thousands if not more individuals including myself. 

Currently, there is information published on the Studentaid.gov website, stating that any loan income recertifications prior to XX/XX/XXXX will be pushed out one year from the recertification date. ( https : //studentaid.gov/announcements-events/covid-19 ). My Federal Student Aid income recertification anniversary is XX/XX/XXXX, and it was XX/XX/XXXX on MOHELA website. They recently changed my date to XX/XX/XXXX. 

Currently, my payment has been {$470.00}, and on XX/XX/XXXX, my next pending payment for XXXX has increased to {$3300.00} and I have been placed into standard repayment, despite the above information stating I should not have to recertify my income until XXXX. 

I have spoken to MOHELA call center employees multiple times as my account information has not updated. Now I am being forced to recertify despite Federal Student Aid information as well as experience significant increases in loan payments. I have received conflicting data almost every time I have spoken to MOHELA. However, on two occasions, I also spoke with supervisors, and they assured me that my loan recertification date will be pushed to XXXX and my payment will stay the same. They advised to just keep watching the dates on the website. These dates of these conversations were XX/XX/XXXX as well as XX/XX/XXXX and yet still nothing has happened. I have also spoken with MOHELA again today, XX/XX/XXXX and they advised that because the system is not up to date, they will not honor the income recertification push back for any individuals. This is unfortunate that individuals have to suffer hardship and high loan repayments, simply because the MOHELA system is not correct or up to date. 

I have spoken with the FSA Ombudsman on XX/XX/XXXX, they also agreed that my loan recertification date should be pushed to XXXX per the FSA website and there is a current investigation pending # XXXX ( submitted XX/XX/XXXX ) and XXXX ( submitted XX/XX/XXXX ). I still have not received any information regarding these two submitted cases from the Federal Student Aid Department, despite being submitted 3 months ago. 

I believe this change is not correct and I have requested my payment and IDR plan to return to the XXXX and SAVE plan, with an IDR Anniversary date of XX/XX/XXXX, in accordance with the Federal Student Aid website. 

Thank you for your help
Consumer complaint received 2023-03-06
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)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be deleted ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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 2021-09-16
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: BARCLAYS BANK DELAWARE (GA)

I have been trying for 2 months to have 2 fraudulent charges removed from my account. Both charges occurred on XX/XX/XXXX. Both charges were to the same vendor. Both charges were for {$1100.00} to a vendor called OMI ( total of {$2300.00} ) I have called the credit card company at least 15 times. I have faxed documentation and have had the documentation acknowledged as received. I have been told the charges will be removed. As of today the charges are still on my card
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I am having a problem with XXXX on all of my credit reports .They are purposefully double posting collection balances to harm my credit even further. XXXX did not supply me or inform me with the proper options to defer my student loans until I was able to pay them. It is illegal for a creditor to post a collections account multiple times for me to inquire multiple negative score changes or impacting on my credit score negatively. I am requesting that XXXX corrects this and delete all of the late payment history as they never gave me an option to manage this debt correctly.
Consumer complaint received 2021-09-16
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: EQUIFAX, INC. (TN)

XXXX XXXX and Equifax were contacted via phone to dispute several fraudulent and unauthorized inquiries on my credit report. These inquiries were not authorized with my consent. I want these removed cause they are causing harm to my credit profile. This matter is urgent and needs to be handle n XXXX items needed for deletion : XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXX XXXX  - XXXX XXXXXXXX XXXX XXXXXXXX - XXXX Equifax items needed for deletion : XXXX XXXX  - XXXX XXXX - XXXX ; XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Professional Bureau, Inc. (TX)

The medical procedure was performed in XXXX however the billing was not submitted until XXXX, this violates Texas Civil Practice & Remedies Code Title 6 Chapter 146.002 & 003 ( see the attached offer for settlement ). Furthermore the provider acknowledges the debt was paid and no further amounts were owed ( see attached paid account ). 

The account has been placed in collection in retaliation for a bad medical procedure and threats against them for malpractice.
Consumer complaint received 2021-09-16
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: Bread Financial Holdings, Inc. (MS)

XX/XX/14 I called and spoke to XXXX regarding a letter I received in the mail for an application that needed more information for a Victoria Secret credit line through Comenity Bank. She informed me that my last 4 did not match what she had on file and would not help me any further. I did notify her about the letter and she did not provide a response to why I would have received the letter. She said she needed to speak the person who was on the application form.
Consumer complaint received 2021-09-16
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (GA)

LENDMARK FINANCIAL GAVE ME A LOAN, THEN SEVERAL TIMES SAID THEY WERE DEFERRING MY PAYMENT FOR 1 OR 2 MONTHS, THAT NO PAYMENT WAS DUE AT THE TIME, THEN TURNED AROUND AND CHARGED ME LATE FEES AND EVEN REPORTED ME LATE TO THE CREDIT BUREAUS! HOW CAN A DEFERRED PAYMENT BE LATE? WHY WAS MY ACCOUNT CONTINUED TO REPORT NEGATIVE WHEN I WAS DISPUTING THE LATE CHARGES ( SINCE XX/XX/2021 )?!! WHY WAS MY PAYMENTS REPORTED LATE WHEN NO PAYMENT WAS DUE?

LENDMARK WILL CALL ME FROM MANY DIFFERENT PHONE NUMBERS AND AREA CODES, EVEN A TENNESSEE NUMBER, AND I KEPT TELLING THEM THAT THE LATE FEES NEEDED TO BE TAKEN OFF SO I COULD MAKE THE PAYMENT. THEY NEVER REMOVED THEM. THEY NEVER EVEN REPORTED MY DISPUTE WITH THE CREDIT BUREAUS, SO IN XXXX, I STARTED DISPUTING MYSELF. THE ACCOUNT WAS NEVER VALIDATED, AND NOTHING WAS FIXED. THESE ARE JUST A BUNCH OF SCAMMERS TAKING PEOPLE 'S MONEY. I PAID ON THAT FOR ALMOST 18 MONTHS AND NOW THEY SAY I OWE MORE THAN I STARTED WITH, WHICH WAS {$5000.00}.
Consumer complaint received 2023-03-06
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. (TX)

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items 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
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc. (NY)

Hello. I received an invoice from XXXX XXXX XXXX for the services provided. I made full payment of balance due on XX/XX/2021 and received a confirmation email from XXXX XXXX for that payment. Yesterday I received a debt collection notice from debt collection agency PCB that I owe balance of {$60.00} and they are sending notice to collect this debt. 
This collection notice has raised my XXXX XXXX because I don't owe any debt to XXXX XXXX XXXX. This is a harassment to consumer without verifying if he/she owes any debt. 
Is there any Government Agency who can control this unnecessary harassment to consumers?

I have attached collection notice as well as payment confirmation email for reference. 

Thanks. 
XXXX XXXX
Consumer complaint received 2021-09-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (TN)

I received a letter in the mail from Credence Resource Management who is allegedly representing XXXX XXXX XXXX XXXX the letter stated this was a attempt to collect a debt. According to federal law I'm not obligated to any debt in which, I responded to them in a affidavit of truth. The balance was shown in the positive for XXXX. I assumed this was a check or money that was owed to me for by law I can not pay on a positive balance. They also were in violation of several federal laws that I placed in the attachment.
Consumer complaint received 2021-09-16
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. (CA)

MY NAME IS XXXX XXXX AND I'VE BEEN TRYING TO GET INCORRECT LATE PAYMENTS REMOVED OFF OF MY CREDIT REPORT THAT ARE AFFECTING MY CREDIT PROFILE AND STOPPING ME FROM BEING ABLE TO PURCHASE A NEW HOME FOR MY FAMILY. I'VE REACHED OUT TO THE CREDIT BUREAUS BUT HAVE NOT BEEN ABLE TO GET THIS SITUATION HANDLED.
Consumer complaint received 2021-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

I submitted disputes and an FTC report regarding a fraudulent account on my credit. 

Experian & XXXX : XXXX {$1700.00}
Consumer complaint received 2021-01-05
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. (NJ)

On XX/XX/XXXX I contacted Equifax via certified mail to dispute inaccurate information on my credit report. 
I received a copy of my credit report and found the following item ( s ) to be in error. 

XXXX XXXX XXXX {$150.00} XXXX XXXX {$710.00} XXXX XXXX XXXX {$6600.00} To date, XX/XX/XXXX, I have never received a response from Equifax about my dispute. This incorrect reporting of this false information is hurting my credit rating! It is not a accurate representation of my payment and account history. Please assist.