davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-26
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. (PA)

The account is closed and XXXX XXXX and XXXX has already collected their money from me. This account is CLOSED and PAID. 

PLEASE DELETED AND REMOVE FROM MY CREDIT REPORT
Consumer complaint received 2023-05-29
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. (TN)

I have recently discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Please see the following items below : XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XX/XX/2022. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I believe that the fraudulent items on my credit report are the result of identity theft, and I am deeply concerned about the potential impact on my financial well-being. I have attached copies of the dispute letters I have sent to the credit bureaus, as well as documentation proving the fraudulent nature of the items in question. Despite this evidence, the credit bureaus have failed to investigate my dispute and continue to report the fraudulent items on my credit report.
Consumer complaint received 2023-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (IN)

I use XXXX  sometimes to make payments to vendors.. I have been using XXXX for YEARS with my Chase credit card and it has never been a problem. All of a sudden Chase started not only charging me an interest on a cash advance which WAS NOT a cash advance but they also started charging {$5.00} transcation fee for each charge when I used XXXX XXXX. All this started in XXXX! I called Chase and asked for them to take them off because I was unaware and I can PROVE where I been using XXXX  for 2 years with them and they just NOW started charging these fees without letting me know or making me aware! These fees are unauthorized being they did not make me aware! It also should be illegal they charge me a cash advance and a transaction fee when I was making payments to vendors, not taking out cash or going to a atm. It also should be illegal to charge me a {$5.00} transaction fee and a cash advance fee for sending {$3.00} payment to a vendor! This should be against the law and my next step is getting a lawyer. I was not aware and Chase could have worked with me but instead they just argued when I called them and said they cant take off transaction fees. I will be closing out my card at the end of summer and opening a new one with a different bank! I have had this credit card since XXXX. I have attached my credit statements to show how Chase just started charging these fees out of no where without any explanation! You can see in XXXX they don't charge cash advance fees or transaction fees but in XXXX and XXXX Chase decided to to just start charging fees without my knowledge. This should be illegal!!!
Consumer complaint received 2022-11-03
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. (SC)

XXXXXXXX XXXX XXXX XXXX IS REPOTING AN ACCOUNT THAT IS INACCURATE. THE ACCOUNT HAS BEEN PAID IN FULL. THE REPORTING AGENCIES DO NOT HAVE PERMISSION TO EPORT THIS ACCOUNT.
Consumer complaint received 2020-08-05
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. (TN)

XX/XX/2020 I contacted Transunion and on XX/XX/2020 I contacted XXXX  to dispute a collection on my account. The company is XXXX XXXX XXXX. They notified me of a hospital bill I owed with XXXX XXXX XXXX on XX/XX/2020. I thought the bill was paid by insurance and that I met my deductible but it was not. By the time I verified the debt it was toward the end of XX/XX/2020. The company contacted me and I told them I intended to pay the debt and the next day I made the first payment. I made the final payment on XX/XX/2020. I understood that the XXXX XXXX XXXX  XXXX ( XXXX ) prohibits adding medical debt to credit reports until after 180 days from the time the account was reported to the credit reporting agency. It also mandates the removal of previously reported medical collections that have been or are being paid by insurance. It is a medical bill and I am unsure why Transunion did not wait 180 days before posting it to my account. If they were notified at the same time I was about the unpaid medical bill, it shouldn't have been placed on my account until after XX/XX/2020 which by that time it was paid.
Consumer complaint received 2022-11-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc. (FL)

I am approved for HAF through the state of Florida. HAF claims to have sent my past due amount to Caliber Home Loans at the beginning of XXXX for the amount of {$5300.00}. HAF shows that this check has posted, but nothing has been applied to my account from Caliber. I have tried to message Caliber online about this as well as sent them my award letters from HAF, but they respond asking me to call. I have called their number for the past 3 days and have waited over 2 hours each time and never get through to talk to a person. Additionally, I was approved for 6 months mortgage payments and XXXX has not yet been applied either.
Consumer complaint received 2022-10-05
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: EQUIFAX, INC. (AZ)

I have tried for months to get my credit report from myequifax.com. Every time I try to login I get an error to call them. I have spent hours on the phone trying to get this fixed. Whenever I'm told it's been escalated I call back and I'm told it wasn't escalated. No one will fix the issue so that I can get my credit report online
Consumer complaint received 2022-11-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a letter on XX/XX/2022 from an attorney 's office that I am being sued by Portfolio Recovery Associates on XX/XX/2022. I have not received any notice that they are pursuing legal action, nor have I been served. I have never gotten a straight answer about where this debt came from or where they bought it from. I will not pay a company that profits on fear and intimidation tactics. There is no reason that I should have to pay a company that can't provide me with details of the debt.
Consumer complaint received 2023-06-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: National Enterprise Systems, Inc. (NV)

I was pressured to sign up for these loans while on welfare and a single mother of XXXX children. The school was bought out and closed while I was enrolled! I was not able to complete my education but 15 years later I am being sent threatening letters from a collection agency. XXXX sold my debt to National Enterprise Systems. I am now being asked to repay over {$100000.00} in student loan debt when I did not receive a quality education or benefit from the career that was promised to me.
Consumer complaint received 2021-07-07
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Law Office of Brett M. Borland, P.C. (GA)

Said company has violated my consumer rights Under 15. U.S 1692e- False or misleading representations Adebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communicationis from an attorney. 

Attached letter was sent on behalf of XXXX XXXX XXXX, which is a violation under law
Consumer complaint received 2022-12-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA has blocked my funds due to an XXXX scheme. the bank has deemed me as being apart of the scheme. USAA has refused access to my funds eventhough the negative balance has been resolved. 

I can provide more details upon request.
Consumer complaint received 2022-11-07
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. (NY)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 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 investigate and correct from erroneous reporting in my file are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$12000.00} ; DEPT OF EDUCATIONXXXX XXXX XXXX opened XX/XX/XXXX Balance {$8300.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$13000.00} ; DEPT OF EDUCATIONXXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00}.
Consumer complaint received 2020-06-17
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (TX)

Fortiva calls from the number provided 3+ times a day. XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX. Every 2-3 hours I recieve a phone call. I have told them numerous times that I am at work during these times and am unable to answer the phone calls at this time. My wife, who handles my account with them had confirmation from the company that my account and her account were both in good standing but the calls continued. Finally had a chance to answer the call today and they said I owed {$1.00}. Yes, you are reading this correctly, XXXX phone calls a day for {$1.00}, XXXX dollar, not XXXX XXXX dollars, XXXX DOLLAR. After authorizing them to take this dollar, I called the company to file a complaint about their frequent phone calls and the fact it was {$1.00} and why we were told we were in good standings. Asked for a manager, got put through to a lady named XXXX, who was not a manager, then got put through to XXXX, who said he was a manager, he kept saying there is nothing he can do about their collections policy and has no control over it and that the dollar warrants the calls, when I would not accept that as a valid reason for the continued harassments he without telling me, put me on hold and transferred me to XXXX who parroted everything he said. These people and this company doesn't realize that to pay a debt I need to work and them taking this time away keeps me from making money to pay their {$1.00} that will make or break their company. So here I am today, taking a day out of not making money to deal with their ridiculous business practices over {$1.00}.
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Financial Resources, Inc. (NH)

Re : XXXX XXXX XXXX XXXX {$730.00} is charging me this amount that I am not aware of. This item is being reported on my credit report as a collection item by FST FINANCIAL RESOURCES XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-30
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: DISCOVER BANK (WA)

I tried to access my account on XX/XX/22 online. The system needed to verify me but they only had my old cell phone number on file. They had no other automated way to verify me even though my email address had not changed. I had to call and they still would not do anything for me until I faxed or sent a copy of my Drivers License. I don't have access to the technology for this and don't make it into town often, hence why I do my banking online. I filed a complaint here already and the response took almost a month to reach me. 

This is the exact response I got : " You may also mail or fax the document with the information provided below. Please include your full name, address and last four digits of your account number should you wish to fax or mail the information. Discover Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Fax ( XXXX ) XXXX Thank you for allowing me the opportunity to be of service. Should you have any questions or concerns, please contact me at ( XXXX ) XXXX, Monday through Friday, from XXXX XXXX XXXX XXXX XXXX, ( XXXX ). Sincerely, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Burea '' On XX/XX/22 I finally made it into town and went to a local credit union to ask if they could fax it. They said it was not a service they provided but they would do it one time for me. They proceeded to fax it and I waited until they received a confirmation that it had been sent successfully. I called Discover the next day, XX/XX/22, to access my account and they could not locate my fax and therefore would not give me access to my account unless I told them the number that the fax came from. I don't have that info and the credit union is not able to give it to me because it is a phone system, whatever that means. I followed Discover 's instructions exactly ( nowhere in the instructions did it indicate I would have to provide the fax number it was coming from ) and they still won't allow me access to my money. It has been withheld from me for 30 days now. 

I am still receiving monthly statements to my address on file with them that has NOT changed. All I want is to close the account. They can either send me a check to the address they are still using for statements OR they can send the money through ACH to the XXXX account that is also on file on my account.
Consumer complaint received 2020-08-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant Mercantile Agency (FL)

I pulled my credit reports today on XX/XX/2020 to find I have a collection listed on my reports by Grant Mercantile Agency for account. Upon further research I found this was a debt purchased from XXXX XXXX. I was not notified of the attempt to collect a debt prior to it appearing on my credit report nor did I revive documentation to verify the validity of the debt with signatures. This is a medical debt Im assuming hence Ambulance and this is a violation of HIPAA. I am willing to pay a settlement of {$100.00}, but again they also did not follow FCRA guidelines on notifying me in timely manner of the debt to allow me time to investigate and dispute if needed. I attempted to call the debt collector to no avail. If the settlement is acceptable, payment will be issued immediately. I must receive written notice that this debt will be removed from all credit reports and settled with original debtor if need be. It will be acknowledged the debt to be removed and considered paid in full
Consumer complaint received 2022-11-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

Hello, we recently requested a refund on our loan from Nelnet servicer and was promised the process would take 4-6 weeks. However, it has been past this amount and after contacting around 5 times already, the process continues to be pushed back by their representatives. We applied in late XXXX and each representative continues to state a different statement about the status of our request. After our first email, we havent had an email response from this company since the first.
Consumer complaint received 2022-12-30
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. (VA)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Consumer complaint received 2022-11-03
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: The Phoenix Recovery Group (GA)

On XX/XX/XXXX at XXXXXXXX XXXX  I received a phone call from XXXX on my phone " XXXX '' from a person claiming to be identified as XXXX that they were a third party trying to serve me with " Legal Documents '' and for me to tell them when I was going to be home to be served. When I asked what it was referring to they would only say that I was a defendant is a civil case and couldn't explain anything more. I asked for the defendants name and number, I was informed that it was the XXXX XXXX XXXX, Phone # XXXX and to reference file number XXXX. I called the phone number provided and upon answering I was informed I was on a recorded line. I provided the file number and was asked to give that last XXXX digits of my social security number, after being placed on hold I was advised that the call was in reference to possible civil action due to a very old debt to the XXXX XXXX XXXX I stated that I was unaware of a possible debt but did say that I might've had business with the XXXX XXXX XXXX in the year XXXX but was unsure. I stated that this appeared to be past the statute of limitations and the person on the call informed me that the debt was from XXXX to which I have no knowledge of and then disconnected the call believing it to be harassment due to the language used. Shortly after hanging up from this conversation my Wife sent me the copy of voicemail that she had just received from XXXX on her cell phone " XXXX '' The message was from the person identified as XXXX and that she was calling for me " XXXX XXXX '' to advise me of a complaint that was registered against me and for me to contactXXXX and to reference file number XXXX and if I didnt it may result in proceedings without my consent and that the call was logged and will be submitted as proof to the " department '' in this matter. The voicemail is attached with this complaint. I have sent a certified letter to the XXXX XXXX XXXX requesting to cease all communications on this matter.
Consumer complaint received 2020-08-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

Dear Sir/ Madam, 1. I had requested XXXX  XXXX XXXX that I want to Balance Transfer from Chase Bank Credit Card to XXXX XXXX XXXX Credit card, On XX/XX/2020. XXXX XXXX XXXX put $ XXXXin my credit card BUT Chase Bank did not took off {$3700.00} from my credit card and was there on XX/XX/2020 and XX/XX/2020. for two days.  This affected my credit score. As I had a balance on both credit cards. I never had a such bad credit in my history. I asked XXXX  XXXX XXXX they said they had paid to chase on XX/XX/2020. Is there any way the Banks upgrade their system, I came from third world country we have much better system same day clearing. We were the best in world but we stand now.???? 
2. Again when you want to transfer from one credit to and other that also effect your credit score. Who is responsible for this. And how I will be able to get my credit score Fixed????
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-12-30
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 (FL)

I Reached out to the creditor to have the fraudulent inquiries removed. I have never applied for any lines of credit or gave anyone authorization to obtain any lines of credit on my behalf. and they notified me that the information was sent over to the credit bureaus to be removed and its been well over 60 days and I have yet to receive and update for removal from my credit report.
Consumer complaint received 2020-08-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (FL)

I have repeatedly tried to settle this debt to have it deleted off of my reports with all three credit bureaus but enhanced recovery service refuses to do so. The debt is for {$78.00} and I am willing and able to pay {$50.00} immediately to have this debt settled and removed. Acceptance of this settlement will stop all further collection activity. Failure to respond I will assume that you do not agree on the settlement. 

Enhanced recovery service has failed to send me any validation of this debt to show proof that it is mine. Nor did they notify me before reporting this negative account to my reports.