davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-13
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AR Resources, Inc. (TX)

Was contacted about a medical debt owed by a third party collection company contacted via telephone to send a list of debts owed and amount was sent an amount owed with original creditors name and account number and collection agency name and new account number with an amount but no breakdown of what services i received and their costs I have a right to privacy did not authorize any organization to report any information falsely on my credit report
Consumer complaint received 2018-08-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Penn Credit Corporation (KY)

PennCredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX PennCredit sent a demand for payment dated XX/XX/XXXX in the amount of {$290.00} from XXXX XXXX XXXX. I have a Final bill from XXXX XXXX in the amount of {$79.00} dated XX/XX/XXXX. This has went through several companies and each one has dropped it because of lack of proof. In XXXX XXXX XXXX admitted a glitch in their billing system and couldn't find what the extra on the bill was for, but has continued trying to collect an amount way over actual amount owed. PennCredit decided to turn it in to all three credit reporting agencies without proof of debt. Responded with a dispute letter but said they never received it and was possibly due to a recent address change. Turned the unproven debt into all 3 reporting credit bureaus before I could answer their demand. Brought my credit score down 50 points seriously damaging my credit score.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (MA)

I have a Chase-JP Morgan Freedom credit card. Since XX/XX/XXXX there has been a XXXX balance on my card. On XX/XX/XXXX Chase withdrew {$620.00} from my local bank checking account and assigned payment to my Chase credit card - again it had a XXXX balance. I spotted their larcenous action and visited my local bank to stop payment. My local bank did not issue the payment to Chase. I also called Chase to explain what happen. After many conversations and departments, I was told that Chase had an internal problem and " it was wide-spread and they are working on the problem ''. I asked if anybody was going to contact me or if a particular person was assigned to speak with consumers that have this issue. I was told " No ''. They did research my account when I was speaking to them and discovered that the {$620.00} was an exact payment that I made in XX/XX/XXXX to pay my credit card balance. I paid the XX/XX/XXXX payment with a physical check that I mailed to them. How was Chase able to access my banking information in XX/XX/XXXX from a physical check that I mailed in XX/XX/XXXX? I believe that they violated a breach with my banking data.
Consumer complaint received 2023-03-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/2023 I deposited my accident lawsuit payout for {$12000.00}. I took only {$500.00} that was advanced to me out of {$2500.00}. But after that they keep freezing my account or denying transactions or even withdrawals every day. They would charge me ATM fees even when I could receive funds cause they froze my account. I would connect my card to XXXX and they even said that they had returned over {$2500.00} back to me that should be in my account within 1-3 days. But when I talk to Wells Fargo they said transactions was denied and never taken out of account but my account kept decreasing. Out of the money I had in my account i used only {$6200.00} of my money. The rest of my money is gone and they claimed I used it when I didnt have access to my account at all. And now my account is in the negative. Over {$6000.00} is missing from my account and they are denying any wrong doing. They had multiple withdrawals that I didnt make and transactions reversals that was never returned to my account. I have called numerous of times to the fraud department and customer service for random freezes on my account. Wells Fargo made my banking experience a nightmare and now Im completely out my funds in less than 2 weeks of depositing in my account. I feel robbed and they are denying my claims.
Consumer complaint received 2022-03-09
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: Experian Information Solutions Inc. (IL)

hi MY NAME IS XXXX XXXX I AM NOT A THIRD PARTY XXXXhas a low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 710. XXXX has me at a score around 592. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

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 2021-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

midland credit management owns XXXX XXXX  debt {$860.00}. 
also they own XXXX XXXX debt {$360.00} also i cant afford to pay these debt at all i dont want to be sued
Consumer complaint received 2018-08-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MS)

THIS STUDENT LOAN I HAD INTEREST RATE IS ENTIRELY TO HIGH FOR ME TO REPAY. I AM STRUGGLING TO REPAY THIS LOAN ON A LOW INCOME SALARY. SALLIE MAE AND NAVIENT LOAN INTEREST IS TO HIGH.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated.
Consumer complaint received 2020-07-29
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. (IL)

I recently pulled my credit report and found erroneous, inaccurate, negative, fraudulent, and unverified accounts on my credit report. Because of this its hindering myself from obtaining tradeline in my name. There are several loan accounts with different dollar amounts and information, on my credit report.
Consumer complaint received 2018-08-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (DC)

On XX/XX/2018 I called the company called Lexis Nexis to  dispute a bankruptcy that this company is reporting to different credit reporting agencies, however when XXXX ( ID number is XXXX ) refused to take my call because I was communicating through a XXXX XXXX XXXX. He said he can't continue my call unless I have a power of attorney letting them know that I give them permission to XXXX the call for me. Why should I have to provide them power of attorney so that I can dispute information that they are reporting. If a XXXX person were to call in and verify all of the correct information they would have been allowed to continue the call. It is discrimination to a huge degree that they did not allow me to dispute my own information all because I had a XXXX XXXX XXXX XXXX  the call for me.
Consumer complaint received 2018-08-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (VA)

When I use the XXXX store card or the XXXX XXXX card and I get a refund it's never credited to the card it never comes off the total it is held as a gift card so they never lose that money and I never gain it back
Consumer complaint received 2021-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequoia Financial Services (TX)

I request to obtain all the information about me in the files of a consumer reporting agency ( XXXX XXXX " file disclosure '' ). You will be required to provide proper identification, which may include XXXX XXXX ID AND signature as a contract shows .if not your subject to law suit ..if you can't provide the proper documents to verify the debt. then it must be removed a person has taken adverse action against you because of information in your credit report ; Account number Seq Fin Svcs Opened XX/XX/2019 {$610.00} Original creditor : XXXX XXXX XXXX Seq Fin Svcs Opened XX/XX/2019 {$4700.00} Original creditor : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-08-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (WI)

Dear CFPB, We are a small business XXXX XXXX XXXX XXXX XXXX. 

We had a customer order a bath tub on XX/XX/18 the amount was XXXX We ran the credit card and it was an exact match, the security code and credit card number matched the address we shipped the tub to. 
The tub was delivered on XX/XX/18 to that same address and signed for by the customer. 

In XXXX we received a call from the credit card company stating that the customer did not recognize the transaction. I explained in detail everything about the order and we hung up. 

In XXXX we received a charge back from the credit card company saying the customer did not order the tub. Again we provided all the documents, we showed that the credit card number and security code were an exact match to the address where the tub was delivered and signed for. 


In XXXX the credit card company declined us and sided with the customer. They did say we could take it to arbitration for XXXX-XXXX we said we would be willing to do that .... several weeks later we received a letter stating they declined our attempt to arbitration. 

We have since filed a police report for fraud with our local PD. They say the amount is under the mount that they typically pursue fraud charges. The address has been verified as a legitimate address by the XXXX county PD, it has also been forwarded to the FBI who will keep it on file to watch for more activity. 

This address does show up on a Bad Buyers list with other similar complaints. 

We are attaching supporting doc 's. 

The phone number for Merchant Services XXXX Our Merchant number XXXX The Dispute number XXXX
Consumer complaint received 2020-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2018-08-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (LA)

In XX/XX/XXXX my mortgage was transferred to XXXX XXXX/Shellpoint. Prior to transfer I had a payment arrangement with my previous mortage holder XXXX XXXX. The mortage was behind due to the flood in Louisiana of XX/XX/XXXX. I had been working with Capital One to resolve the issue and a payment arrangement was created in XX/XX/XXXX. The payment arrangement was for three increased monthly payments, the first payment due in XX/XX/XXXX, the second in XX/XX/XXXX and the final in XX/XX/XXXX. In XX/XX/XXXX, there was to be no past due owed and normal payments were to be resumed. I have a copy of the arrangement as issued and signed.

I made the first XX/XX/XXXX payment XXXX XXXX. Then, the loan transferred to XXXX XXXX/Shellpoint. However, they did not yet have history of any documents from XXXX XXXX and they told me they would honor any arrangement previously made with XXXX XXXX. I sent them copy of the arrangement.

I made the second increased payment as agreed to XXXX XXXX/Shellpoint inXX/XX/XXXX, and I made the final increased payment as agreed to XXXX XXXX/Shellpoint in XX/XX/XXXX.

My past due balance should now be XXXX. However, my details page with the new mortgage servicer shows I owe over {$7000.00}. And my new monthly payment has increased by almost {$400.00}.

After contacting Shellpoint, I have been told they did not receive any payments made previously with XXXX XXXX. i provided Bank Statements and Mortgage Statements to prove payment. I also asked for a reason for the increase in my monthly payment. They said it was due to escrow but can not account for the increase. The taxes and insurance amounts due do not total the increase. And they can not explain the increase to me.

I contacted Shellpoint NUMEROUS times to clear this issue, but keep getting the same result. They don't have the information they need from XXXX XXXX. I contacted XXXX XXXX and was told they don't have the information any longer due to the transfer.

I was then told to contact the Escalations Department at Shellpoint. I emailed them to try and resolve this issue. I have only received a letter from them that they would look into the issue. However, since then, I have received numerous additional letters that my loan is in default and of their intent to accelerate the loan.

I have tried to call the escalations department, but the voice recording just says they will contact me upon completion of review.

Now, I have two certiifed letters waiting for me. And my account details page still says I owe over {$7000.00}. The last letter I received from Shellpoint said I owed over {$5000.00}.

I need assistance. Please.
Consumer complaint received 2022-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (HI)

Chase mortgage via their web access offered a reduction in mortgage term for paying in greater frequency than the usual monthly payments. When I followed their offer to a link and used 2x monthly payments, the term did not decrease as the offer claimed. In fact, used this deceptive " ad '' to entice me in paying twice a month, yet I received ZERO benefit as a result. I am requesting compensation back for benefit of paying additional payment early for the past year+. Chase received the benefit of getting a payment early then earning interest, but has not passed the earnings/savings to me even after their ad specifically stated this as an inducement to pay extra per month.
Consumer complaint received 2020-07-29
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. (IL)

I recently pulled my credit report and found erroneous, inaccurate, negative, fraudulent, and unverified accounts on my credit report. Because of this its hindering myself from obtaining tradeline in my name. There are several loan accounts with different dollar amounts and information, on my credit report.
Consumer complaint received 2018-08-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

XX/XX/2018 Phoenix Financial Services inserted a medical account representing XXXX XXXX XXXX onto my credit file. This alleged account in the amount of XXXX is a result of identity theft and does not belong to me. Not only did Phoenix Financial insert this account they did not give me my right to dispute the validity of this account nor did they give me notice that they were inserting this account into my credit file. this account is damaging my credit file and it is not my account. Also this states it is medical I have did not business with XXXX XXXX emergency nor have I did business with Phoenix Financial, therefore, I have no obligations to pay either. Also being that this look as though it is a medical account I have never given either company rights to share any medical information, therefore, they would also be in violation of HIPPA. This account is indeed a result of identity theft and does not belong to me.
Consumer complaint received 2018-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

My name is XXXX XXXX, I had an loan with a company name XXXX XXXX XXXX in which was brought out by XXXX now XXXX XXXX. At the time of transfer, I asked several account rep and Service manager to validated the payment history before assuming this loan from XXXX XXXX. At no time XXXX  now XXXX XXXX   validated or send me a verifiable payment history with XXXX XXXX XXXX. I eventually paid this loan off and ask for this account to be closed. At this time, the credit report is not correct due to the date and open of the account, payment history, and the account showing closed as of XX/XX/2417.
Consumer complaint received 2018-08-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/XXXX, I called transunion as I had already pulled a credit report from XXXX and saw there was Inquiries on my credit multiple times that I did not recognize. I had reached out to these companies and they said that I am not on file anywhere to get ahold of the credit reporting agency that listed the inquires. I did so and spoke to XXXX XXXX  and he stated he could not help me. I asked for a supervisor and got a gentleman named XXXX and he stated he could not help me. So I am filing this complaint in hopes to get the inquires off that are not supposed to be there : XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX   XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX Thank you for your time.
Consumer complaint received 2018-08-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO. (MI)

I have a business and I bank with Chase. My deposits in the total of XXXX was slowly being processed through the weekend. My account was in the positive before I went to bed and I awoke and it was in the negative. I was charged a cluster of 5 over draft fees because the banks system didn't catch it in time. However be mindful I was in the positive when I checked the account before I went to bed. I contacted the bank to get a courtesy refund, seeing that it was a harmless system error. As a business it would seem that there would be a courtesy so we can continue to do good business and be valued customers. However, we spoke to many bankers and managers and were told they could not override the system and are only able to reverse one fee. The rest of the fees is what keeps my balance negative currently.