davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: IQOR US INC (FL)

In XX/XX/2020 I ordered XXXX XXXX XXXX for my home in XXXX XXXX, IN. The initial service installer was professional and did a good job. Over the next few months, I enjoyed good TV service. 
Then the weather changed and that is when I started to have several service interruptions every week. This was very disruptive and was not what I ordered or expected. 
I contacted the customer service department and discussed the issue. They then sent out a second service installer to relocate the XXXX antenna to another location on my property. 
This did not fix the problem, and I called again to cancel my XXXX service. I told their representative that I would wrap up their equipment and leave it on my front poach. 
Several days later I noticed that the XXXX antenna and the equipment package was gone, and I did not think anything else was needed. I paid for each month I received service. 
Last month I ordered a credit report from XXXX, only to find out that my XXXX score had dropped XXXX points to XXXX due to an erroneous collection account by XXXX and Allied Interstate Collections. I deny this collection effort due to the breach of service that I originally thought I was going to get. When I contacted Allied, they said I was being charged for not returning the XXXX equipment and also for an early cancelation fee. I never agreed to pay a cancellation fee for their inadequate service. 
My Attorney told me that I had received a significant harm to my good credit and that I needed to file a dispute.
Consumer complaint received 2021-12-17
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. (FL)

Accounts that I have disputed ( that are not mine ) are still on my credit report after I have written letters to the credit bureaus letting them know they are not mine. The credit companies are not complying with their own policies in a timely manner.
Consumer complaint received 2021-12-17
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: Chime Financial Inc (CT)

On XXXX XXXX I was charged for XXXX 's for {$21.00}, XXXX 's for {$23.00} and {$17.00} for XXXX. I didn't authorize these purchases asked Chime to dispute the charges and their telling me that I authorize those purchases and they will not be refunding my money. Im on a fixed income and definitely in need of my money back. PLEASE HELP ME
Consumer complaint received 2020-02-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: ECMC GROUP, INC. (NJ)

Hello. I took out a few student loans in XXXX or XXXX so I could attend college. The total amount of these loans was about {$5000.00}. Since XXXX, I have made a lot of manual payments, and the debt collectors and others have seized the vast majority of my IRS tax refunds. I can not remember the last time I received a tax refund because they have been offset and seized. To date, I have no doubt paid the original loans in full. And, I know I have lost thousands of dollars in tax refunds. Can you please help? I don't know where to turn at this point. Thank you.
Consumer complaint received 2021-12-17
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: Experian Information Solutions Inc. (TN)

I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$11000.00}. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. XXXX XXXX XXXX has violated federal law by stating that I owe an alleged debt. Im pursuant to 15 U.S.Code 1692g, I am demanding validation and documentary evidence of this alleged debt.

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.
Consumer complaint received 2016-02-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (MD)

Synchrony Finacial fraudulently file a XXXX with the IRS alleging that they had forgiven a debt on my behalf in the amount of {$700.00}. I at no time had any consumer debt credit card or any Financial obligation that was owed to synchrony financial. I am not sure what type of loan they alleging was owed as I have never had any Financial relationship with them. I have called the number on the XXXX ( XXXX ) XXXX to be left on hold with no answer. According to the XXXX their Federal identification number is XXXX. Please note I was notified by the Office of personel that my identity was stolen.
Consumer complaint received 2015-08-18
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (PA)

I have a credit issued by Barclay Bank XXXX XXXX ) card. I have two balance transfer promotions. 1 if for {$1700.00} and the other is for {$1600.00}. 
My minimum payment for XXXX XXXX, 2015 is {$54.00}. On XXXX XXXX, 2015 I make payment of {$200.00} which I want to go to my balance transfer promotion that is due in XXXX of 2015. Nowhere in their Important Information does it say that " if you have a balance with an APR vs a 0 % APR, that any monies paid will only go to the APR balance and not the 0 % APR promotional balance. I call to get the situation corrected and nowhere in their records can they find that statement. So the customer service supervisor states that that statement is located in the original agreement when I received the card and they would mail that to me. But she could not find the original agreement on her system XXXX which they should have it XXXX.
Consumer complaint received 2021-12-17
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 am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$11000.00}. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. XXXX XXXX XXXX has violated federal law by stating that I owe an alleged debt. Im pursuant to 15 U.S.Code 1692g, I am demanding validation and documentary evidence of this alleged debt. 

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.
Consumer complaint received 2020-03-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (MI)

XXXX XXXX A SCAM ARTIST CONVINCED ME HE HAD PURCHASED PROPERTY XXXX XXXX XXXX AND I MOVED OUT XX/XX/XXXX BUT HE LIED. HE AND MY NAME ARE ON TITLE. THE FEDERAL TRADE COMMISSION CONTACTED ME FROM FTC # XXXX XX/XX/XXXX AND INSTRUCTED ME TO CALL CHASE AND ASK THEM " WHAT THEY WILL DO FOR ME '' AND TWO WOMEN SAID MR. XXXX WE APOLOGIZE FOR WHAT XXXX XXXX DID TO YOU AND ARE DOING A LIEN RELEASE ON THIS PROPERTY FOR YOU AND CONGRADULATIONS FOR A PAID UP LOAN. 

ARE MY XXXX LOAN SAFE OR HAVE XXXX XXXX STOLE IT? 

THEY SAID THEY WILL NOT RELEASE INFORMATION TO A THIRD PARTY WITHOUT MY AUTHORIZATION. THEY HAVE INFORMED ME THAT THAT HOUSE IS YOURS. 

I SPOKE TO XXXX XXXX OF THEIR MORTGAGE DEPARTMENT AND SHE SAID THIS IS FRAUD, THAT WHAT XXXX XXXX REGISTERED XX/XX/XXXX IS FRAUD AND PROVIDED ME WITH CASE XXXX XXXX.
Consumer complaint received 2022-12-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY (PA)

Called bank to discuss my account for being overdrawn for a certain amount of money I had the money in the account to pay merchants and then next day I have an overdraft for considerable amount over that amount paid out the money was transferred from my savings account to my checking account to pay the merchant but I still was assessed I overdraft and a fee I don't understand how this could happen they just told me that because the merchant didn't receive the money at the time of the transfer or the day of purchase I had overdraft my account how can my account be overdraft when I had the funds in the account to pay the merchant I was overdraft twice the amount of the purchase the following day. And assessed an overdraft fee the next day
Consumer complaint received 2021-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSWORLD SYSTEMS INC (FL)

I, XXXX, the natural person is still a victim of identity theft and the non authorization of credit reporting from third party bureaus such as XXXX. I have seen collection accounts drop off yet it is still appearing. this is willful defamation. FCRA Part ( A ) ( 5 ) ( B ) ( ii ) violation by reinserting information of the said account without notification, FDCPA Section 807 ( 8 ) ,805,806 violations as well. The information was already deleted please delete them for good, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX still reporting ), I have NOT AUTHORIZED any reporting, nor should be reporting on my report, they have no permissible purpose or my written consent and from I XXXX the natural person. Pursuant to the 4th Amendment, these companies are blatantly and fraudulently harassing and defaming my name and character, in addition to the infringing on my Constitutional rights : To my privacy and security in my papers. They are very much liable for damages.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (AZ)

There are student loans showing on my credit report from 2008 which is from 12 years ago ( way too old to be on my credit report. I have tried disputing the info and reaching out to the collection company without any success. The collection company keeps reporting the info to my credit report which makes it seems like the information is new or the latest info. How can they keep reporting on information that is more than 12 years old. I have been unable to get this information removed.
Consumer complaint received 2022-09-14
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: Atlanticus Services Corporation (TN)

On XX/XX/XXXX I was noticed a fraudulent charge on my credit card and immediately notified the credit card company, Fortiva. They stated they would be investigating it and to not worry about it and that they would be sending me an affidavit within 10 days. 12 days later I noticed I had not received the affidavit and called several times to get this affidavit. on day 16 I finally received this affidavit that was dated XX/XX/XXXX and the attached letter stated " return it to us within 14 days of the dated of this letter. '' I have continuously called about this matter to the number provided, XXXX, and can not contact anyone regarding the matter. 

I also contacted the XXXX XXXX store that the charge supposedly originated from and they stated they had no record of this transaction. 

XXXX ID XXXX
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (AZ)

There are student loans showing on my credit report from 2008 which is from 12 years ago ( way too old to be on my credit report. I have tried disputing the info and reaching out to the collection company without any success. The collection company keeps reporting the info to my credit report which makes it seems like the information is new or the latest info. How can they keep reporting on information that is more than 12 years old. I have been unable to get this information removed.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I provided a determination from an authorized entity that I'm a victim of severe form of trafficking. Lastly, a signed statement from me self-attesting that I'm a victim of a severe form of trafficking. My statement was signed by me and an authorized XXXX or other authorized entity. Experian assigned XXXX phone number XXXX to my case. I sent my documents first on XX/XX/2024 I asked that they only respond via my email XXXX I didn't hear anything back until the middle of XX/XX/2024. I kept calling trying to reach the agent assigned to me leaving voice messages, and so calling everyone in Experian leaving messages, because I didn't really have anywhere to live. I still don't. after speaking to XXXX she told me she wasn't willing to accept the organization that did my determination nor the attorney and told me to go to the XXXX XXXX XXXX XXXX XXXX XXXX. I believe this is ( WILLFUL NONCOMPLIANCE )
Consumer complaint received 2022-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc. (OH)

Loan Servicer, BSI Financial, has failed to reimburse the borrower for insurance premium paid out of pocket due to disbursement sent by the servicer not being received by the recipient timely. Failure to pay the insurance premium risked cancelation and lapse in coverage. I have made several phone calls, and 5 emails, and do not receive any response, except for an auto reply that they are working on the request.
Consumer complaint received 2021-12-17
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: TD BANK US HOLDING COMPANY (NY)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. XXXX Account Number : XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 

6. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX  Account Number : XXXX This is not mine. 

9. Identity Theft XXXX  Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2021-12-17
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: DISCOVER BANK (NY)

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX 1. Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity ThefXXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. XXXX Account Number : XXXX 10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX  1. Identity Theft XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft DISCOVERBANK Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX 
Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX  Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2022-10-02
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. (TN)

On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days 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 or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I contacted Kohls Corporate and spoke to Manager XXXX about my issue with the two interest rates charges on my bill, he replied XXXX gave them the ok to do it. I was not satisfied at all with his service. I then called our Governors office and was advised to file a complaint. Since XX/XX/2019 Kohls credit card has been charging credit card customers a Protected Balance interestand Interest on purchased items. These charges total to 51.39 % interest within a 30 day billing cycle.

I reviewed CARD ACT2009, Obama passed, Kohls needs to reimburse EVERYONES ACCOUNTS, this is what I want to happen for my resolution of my complaint. If the APR has gone up a few percent each year thats understandable, but two interest rates within a 30 day billing cycle is against the Law!