davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (AE)

For years, XXXX  adds collections account to my credit report for medical bills that do not belong to me. I am in the XXXX and I received medical care in the XXXX base through XXXX. I am station in XXXX and I have not reside in California in years. California is where the original creditor is located. These are collections from different collection agencies, such as Medical Data Systems INC, XXXX XXXX XXXX, XXXX XXXX, and XXXX. 

This has been ongoing, and every time a collection account appears in my credit report I dispute it and it gets removed. However since the last two years, I have had issues with getting them remove. The results from Experian come back as the account is verified and remains in my credit report. 

This happen last month, and three accounts came back as staying in my credit report. I had to call Experian to be able to dispute them again and I also contacted the collection agencies, Medical Data Systems INC, and CMRE via phone. Apparently, my social security, matches someone else 's who is using it for medical care. However, DOB, Name, and address are different. I provided a copy of my credit report, a copy of my Social Security Card, a copy of a FTC report, and a copy of a police report. Two of the accounts were removed but the following account still remained : Medical Data Systems INC for {$5300.00}. My last contact was a phone call in XX/XX/XXXX, where I was told the Supervisor was not in the office and I needed to call later, and emails sent to them on XX/XX/XXXX and another on XX/XX/XXXX following up, without receiving a response. 

Because this continues to happen through the years and through different collection agencies, I believe the problem is the original creditor. Which seems to be always XXXX XXXX XXXX, which includes XXXX XXXX XXXX XXXX which also shows in some of the accounts. I requested a copy of medical records to XXXX XXXX XXXX, and I receive a letter from the records custodian saying that there are no records in my name. 

This situation has become extremely frustrating because I am in the military and I can lose my military clearance for having collection accounts in my records. Other, than this, my credit report is excellent. I have no issues with XXXX  or XXXX, only with XXXX, but unfortunately, this is what most creditors used when evaluating your credit report. I was recently deny credit because of this, and it is frustrating and embarrassing because good credit is always one of my priorities. 

I need help ensuring, this remaining collection account is removed from my report, but more importantly to ensure that this does not happens again. I have deal with it for years, and I am exhausted. 

Thank you!
Consumer complaint received 2024-02-24
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Hanwha QCells USA Corp (ID)

I filed a complaint over the phone with EnFin on XX/XX/year> about them paying our solar company on XX/XX/year> when the job wasn't finished. On XX/XX/year> I called EnFin back to let them know that I had a voice recording of a conversation that we had with the owner of the solar company that very day, proving that our system is not finished. After meeting with an attorney on XX/XX/year> I called EnFin Financial again trying to figure out why I was being charged interest on a loan that shouldn't have been paid out. Nobody would help me. In the hour that I was on the phone. I was transferred to 4 or 5 different ppl telling me that I needed to be transferred to the loan department. I was given the loan departments direct number, which was the number that I called that day to begin with. The last lady that I talked to who once again transferred me to the " loan department '' which is where i was supposed to be every time they transferred me, told me that they don't know that my system isn't finished. basically saying that it's my word against theirs. Even though I sent them proof XX/XX/year>. Nobody from EnFin has reached out to me regarding my concerns or proof. EnFin paying out the solar company without verifying through XXXX XXXX XXXX XXXX is their problem and I shouldn't have to pay the accruing interest or make any payments since the loan should STILL not have been paid out.
Consumer complaint received 2022-12-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, I contacted Synchrony regarding a purchase which had not arrived and filed a dispute. 

Later, the company agreed to re-ship the product. I inquired with Synchrony about cancelling the dispute or putting it on hold to see if the new product arrives. Since then, for the entire month, I have been asking to cancel the dispute until the company has a chance to re-ship the goods. However, Synchrony has been ignoring my messages.
Consumer complaint received 2020-04-14
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (MS)

We asked for a forebearance due to pandemic. Caliber sent paperwork saying that the entire forbearance amount would be due at end of forbearance. If the amount of forbearance was not paid they would increase interest rate and/ or start foreclosure proceedings. 
Caliber has had several civil law suits for illegal mortgage activity. 
We have an immense issue with our current mortgage which I WILL submit when all paperwork and text are copied. 
Caliber is very difficult to deal with and takes no responsibility for fraudulent activities.
Consumer complaint received 2024-06-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Designed Receivable Solutions, Inc. (AL)

I do not owe this debt! This company can not provide me with a debt verification letter. They can not prove this debt belongs to me. They mark my complaint as a duplicate. They refuse to acknowledge their legal obligations to provide proof this debt belongs to me.
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CORELOGIC INC (GA)

Hello, I have attempted to place a file freeze on my Corelogic Credco File for months and have been unsuccessful. I have recently just completed the information online and uploaded by ID. I received a ticket number @ XXXX. I called on XX/XX/2019 and spoke with XXXX. He informed me that there was not a signature. However, I have completed the information several time prior with signatures and
Consumer complaint received 2022-03-26
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: SYNCHRONY FINANCIAL (CA)

Hi, I had started finding out from XX/XX/2021 that someone opened credit card accounts using my name and XXXX. He opened a credit card account at XXXX XXXX  last XXXX, another one from SYNCB/PPC last XXXX, and another from XXXX XXXX XXXX last XXXX. 

So, I kept disputing these fraud accounts against 3 credit bureau companies but they keep saying these are accurate information. So, I started sending my own proof documents to them this year and waiting for the results. 

I took actions like credit freeze and alerts to all of 3 credit bureau companies last week and started calling the banks with the fraud account. 

I think someone same person have tried to open many other credit card related accounts, so anyway I need to stop this guy immediately. 

For more proof information, please let me know.
Consumer complaint received 2020-03-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: TRUIST FINANCIAL CORPORATION (NV)

In coordination with the below mentioned Student Loan Advocate and with the current pandemic I am submitting an additional complaint. This was the e-mail correspondence I initiated once my student loan came out of default. 



XXXX XXXX, XXXX XXXX XXXX XXXX Student Loan Ombudsman Office of Nevada State Treasurer XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Hello and Congratulations on your recent appointment as a Student Loan Advocate. I spoke to you at the beginning of the year about my loan being sent habilitation due to unpaid monthly payment for the past 3 years. XXXX, XXXX,XXXX was approved or IBR payments while XXXX I was in Collections/Rehabilitation for 10 months. 

I was diagnosed with XXXX  in XX/XX/XXXX due to complications with my XXXX XXXX therefore was hospitalized for 10 months. I started the IBR program before I got sick since we were a one income family. I have documentation of all my transactions, payments, history, approvals. Please review attached information in 4 separate e-mails. 

I believe that I was unfairly sent to rehabilitation and now doubling my total amount owed. Can you please review my case for possible refinance back to its original amount while clearing my credit record. Thank You. XXXX XXXX
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I was just trying to check my credit score with TransUnion and signed up for what I thought was a free account. They charged me {$24.00} plus {$2.00} sales tax, and enrolled me in a plan that would charge me this monthly. The charge for the plan was not prominently listed on the actual enrollment webpage. Nor was it obvious that the link I clicked from a prior page was going to enroll me in a subscription plan.
Consumer complaint received 2021-06-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (GA)

When filing my XXXX taxes my tax preparer inadvertently mixed up the last three numbers of my bank account. On XX/XX/XXXX Chase bank accepted my tax refund of {$1700.00} into an account that is not in my name, I do not know the name of the person to this day but I do have the account number and Chase confirmed it was in the other parties account. The IRS has placed multiple traces and requested to be sent the money back so a check can be issued to me. Chase still has not returned my {$1700.00} to the IRS despite them seeing the funds, the name on the check which does not match the name of the account holder, and even replied to the Department of Treasury on XX/XX/XXXX stating " Names do not match. Customer account is NSF. '' I have been going back and forth with Chase for years and still do not have my money. I've spoken to everyone I can possibly speak to within the company and no one has been willing or able to help, even the IRS has given up and states this is now a civil matter.
Consumer complaint received 2022-03-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. I have never given XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Consumer complaint received 2022-03-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (CO)

XX/XX/XXXX, I went through the chase website to apply for the Sapphire Reserve card. I went through the online process and was approved - but for a different card ( Sapphire Preferred ). At no point in the process was it listed that I was applying for more than one card or a different card. I contacted the company immediately ( so XX/XX/XXXX ) and was escalated to a supervisor, who listed her name as XXXX XXXX I told her what happened and how I felt this was not acceptable and she told me my case would be sent to an internal review team. She also gave me a reference number - Ref # XXXX and said I would hear back 3-7 calendar days. 

On XX/XX/XXXX, after not hearing anything for 10 days, I called and asked to be escalated again. The gentleman on the phone told me that there was a record of my previous call, but that nothing had been sent to be reviewed, despite being told it had. He assured me he would send it for review and I would hear back in a few days. 

XX/XX/XXXX I received a short letter stating my card would not be changed and no further action would be taken. 

Being given a card I didn't apply for with no indication that I could be approved for and sent a different card seems very bad business and I am understandably upset. And I know I applied for the Sapphire Reserve card on the site, not the Preferred. Humans make mistakes, but I make my living on the web, including formerly doing Quality Assurance on websites. I didn't apply for the Preferred card.
Consumer complaint received 2019-12-30
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

THEY SENT A XXXX  TO MY HOUSE TO COLLECT A DEBT PAST SEVEN YEARS OLD. THEY ARE LIARS AND COMPLETE FRAUDS. XXXX USED A FAKE BADGE AND XXXX LIED AND SAID HE WAS THE POLICE. I CALLED THE REAL POLICE AND TOOK OUT A CIVIL PROTECTTIVE ORDER.
Consumer complaint received 2020-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

Various hard inquiries were fraudulently placed on my credit file. I sent the credit bureau countless letters during a period that spanned all of XXXX to delete the inquires because they were fraudulently recorded and the requests were not authorized. In the letters, I requested that the credit bureaus provide documents of both verification and validation to prove that inquiries were authorized by me. The credit bureau failed to provide either verification or validation. The credit bureau simply stated that the inquiry had been verified without providing any documented proof. Not only does this lack of information fail to satisfy the criteria for proof of debt validation, but I believe the inquiries were obtained and recorded on my credit file under false pretenses. 

I was the victim of a horrible identity theft incident in XX/XX/XXXX, and most of my private information was compromised and exposed. Not to mention, much of my personal information was leaked in the recent XXXX, Equifax, XXXX, and XXXX breaches. Anyone could have stolen my personal information from the internet and used it fraudulently. I have also tried contacting the credit bureau by phone to dispute the inquiries but the representatives insist that the inquiries have been verified, without providing any definitive proof. I have also contacted each creditor and informed them that the inquiries are fraudulent. The inquiries are as follows : XXXX  XXXX  ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX  ( XX/XX/XXXX ) XXXX/XXXX  ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX ( XX/XX/XXXX ) XXXX  XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ) I would like for the unauthorized hard inquiries to be permanently deleted and completely removed from my credit file.
Consumer complaint received 2024-01-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NY)

XX/XX/XXXX of 2024, around XXXX AM in the morning I called Chase Bank to activate my new business debit card when I called to activate my card they told me they can not activate the card because there was a XXXX hold of {$300.00} in my account. I let them know that that charge was not done by me because my business account was XXXX week old and I just received my debit card.. then they transfer me to his supervisor which then explained that they will need to lock my account until the issue was solved. After he made this comment, he ended the call since I was at work I said to myself I will give them a call back later during the day. Later that day, I noticed that why transfers were made from my business checking account and my personal checking account. The wire transfer that was made from my business checking account of {$3400.00} plus {$25.00} a while transfer fees then also another wire transfer was made from my personal checking account of {$1200.00} and {$3200.00} plus a {$50.00} wire transfer fee. Immediately when I noticed this, I called the fraud department of Bank to let them know that these transfers were made from my account to XXXX XXXX bank. The response was that I was going to receive my money back within 3 to 5 business days during the week I called them again the following Tuesday And their response was that they were not able to retrieve the money from XXXX XXXX so I was not gon na get my money. I specifically explain to them that I am the one being held responsible for all this money when our transferred were made from my account without my knowledge. And their response was they have no control of the other bank situation. And I specifically explain to them that these chargers are holding me back from my business and my personal life because I can not pay my employees or take care of my family especially my daughter, and they didnt even care. so I decided to take legal actions towards this situation because I will not allow anybody to have access to my money that I have worked so hard for.
Consumer complaint received 2021-06-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank, whom I have now discovered is staffed by XXXX XXXX XXXXXXXX, such as my personal banker XXXX XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX, ( XXXX ) XXXX, apparently rejected a law firm retainer fee wire transfer of {$5000.00} transaction number XXXX on XX/XX/2021 sent on XX/XX/2021 from my former client XXXX XXXX from his account ending in XXXX to my account ending in XXXX because the wire was sent to my name, XXXX XXXX, who is the sole owner and XXXX  of my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

In addition, the TD Bank rep who I spoke with on phone today also advised that TD Bank has apparently also been rejecting all deposits ( even checks ) paid to my name as the XXXX XXXX 

The biggest kicker of all is, that they have never told me when these " bounces '' or " returns '' have taken place, thus lulling me into a false sense of security wherein I duly and diligently perform the legal work, while not even getting me paid. 

Please urgently investigate and advise, as due to my feverish last minute estimates, these people have cost me/rejected tens of thousands of dollars paid to my account from XXXX who never even told me that this happened, but happily accepted my work anyway,.
Consumer complaint received 2020-03-18
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

For the past few weeks I have received multiple calls from Portfolio Recovery Associates, LLC. The calls are coming from many different numbers and I have politely asked them to not contact me. Today I received a letter from them and the Merchant listed is XXXX XXXX or XXXX XXXX XXXX XXXX. I have never had an account with either of these merchants. This collection agency is also calling relatives and others discussing the debt.
Consumer complaint received 2022-12-31
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. (TX)

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 2021-06-17
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: Experian Information Solutions Inc. (CA)

I have contacted the credit company about the false information that they were reporting on my reports. I feel that I am being taken advantage of and being bullied. The law clearly states that any false or inaccurate information must be removed immediately. I was never notified of any investigation. I will be forced to seek litigation if this can not be handled appropriately