davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

After sending a Notarized Affidavit of Validity, Portfolio Recovery failed to verify this alleged debt. This company is furnishing deceptive information and forms pursuant to 15 U.S.C 1692j on me a Natural Person whos Federally Protected. I am a Consumer whos never authorized nor autographed any agreements with portfolio recovery, Which is a clear indication of Aggravated Identity Theft according to 18 U.S.C. 1028A. This company is violating my consumer rights and reporting false and misleading information and representation 15 U.S.C. 1692e of an alleged debt.
Consumer complaint received 2017-06-06
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. (FL)

Ive paid my bill on time with  XXXX   XXXX   XXXX  since I opened the account. I switched banks and could not log in to my account to update my records. I called  them ( after 30 min on  the phone ) finally got access to my account. Put in new info, it did not take the info even though it said it did. several weeks later I get a hit on my credit monitoring saying my account is 30 days late ( mind you I have perfect credit ) this dropped my  credit score   XXXX  points. My feeling is they make it difficult for people to make payments in order to charge late fees and interest. I have been on the phone with these guys for hours trying to work this out and to no avail. On top of this last year they double billed me for an entire months worth of transactions and it took 4 months to get it resolved. If you open an account with these crooks beware. I have paid this account off and it is now closed.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NY)

I want to lodge a complaint with JP Morgan Chase in regards to resolution of a fraud claim. I had my credit card information stolen and used by an unknown person on XX/XX/2021. I received alerts through my mobile chase app that there were 3 separate charges made to XXXX for {$100.00} each, totalling {$300.00}. I immediately locked my card and called Chase to resolve the issue. As I was on the phone with Chase, I was receiving email alerts that my card was still trying to be used but it was blocked since I locked it. I reported the three tranactions as fraud. After Chase 's fraud review, they determined that I am still liable for these charges. I provided a transaction history for my XXXX account to show all orders on my account from XX/XX/2021 until XX/XX/2021. All orders totaled about {$120.00} and were able to be connected to other transactions on the card which I said were fine. The bottom line is I used the bank 's alert system to personally monitor my card and transactions, I found instances of unauthorized transactions, I locked my card to prevent further transactions, I reported the fraud to Chase within 20 minutes of discovering the fraud to order a new card, the fraudster continued to try to use my card and Chase provided email alerts that the transactions were blocked, but they will not refund me for the {$300.00} and are holding me responsible.
Consumer complaint received 2021-11-17
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: STERLING JEWELERS, INC. (PA)

I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now 45 days and I have not received a repsonse. I did my research and I am for sure that they have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.
Consumer complaint received 2019-08-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Equifax has me listed as XXXX XXXX XXXX XXXX XXXX fifth XXXX let 5 XXXX inquires in 3 days call me crazy but XXXX only needs 1 XXXX  XXXX  sent the application that was a business of mine i'm the ceo never was thtere XXXX XXXX said they had me on camera but i'm sure that's a hippa violation bace on race
Consumer complaint received 2021-06-14
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: Bread Financial Holdings, Inc. (NY)

Unvalidated debt was deleted and than reported again. 
Further requested information has never been investigated, no investigation report has ever been received. See attached correspondence. According to FCRA unverified, unvalidated account must be removed from the inquiry initiated by the customer after 30 days. 
Please see attached letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 

It is very critical that you please investigate and resolve as this is harmful to my character and is obstructing my capability to obtain mortgage. I was already being denied for car financing and lease. So, in addition to the statutory damages, I will include punitive damages in my legal complaint if this matter fails to be resolved as soon as possible.
Consumer complaint received 2017-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

My husband & I had a bank of America credit card. In  XX/XX/XXXX  we refinanced to pay off credit cards and close them. My husband called to get balance for payoff, we refinanced and our credit union cut the check along with our request to close account. BOA received payment on  XX/XX/XXXX . It should have been done and closed. After receiving check they stated balance was incorrect, kept account open, and further charged interest and fees. The card has not been used since. They stated balance was {$66.00} and with interest and fees it is now {$200.00} plus. I offered to pay remaining original balance they declined. It was further reported to my credit report as a co holder that we have been late on account for whole year of  XXXX . I am reporting this to you to investigate and ask for removal of credit report negative information and I will pay what remaining original balance was and to close this account. This whole process by BOA has been unfair to consumer.
Consumer complaint received 2017-11-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Received communication from XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and XXXX XXXX, XXXX as responses for my disputes of the debt. Prior to this I had never received communication of my right to dispute, nor was I notified of an initial claim of debt into collections. 

They have provided details of debt in which they claim I owe, however for account number XXXX, it is past the statute of limitation for the state of Florida and they are still attempting to solicit payment from me. Proof of this statement is at the bottom of their validation of debt with the statement, " This is an attempt to collect a debt and any information obtained will be used for that purpose. '' This is a clear violation of my rights as a resident of Florida and I am reporting them as I feel this is against the law.
Consumer complaint received 2021-11-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (TN)

I bought my home from XXXX, then they sold the loan to midland mortgage and my house payments started going up. No reason either the taxes were the same and the Insurance was the same. they claimed I missed a payment which I did not. Have proof of this then CoviXXXX hit. they had turned me in to the credit report co. my house payment was {$500.00} but after I tried to refinance my home is when I found out that they had destroyed my credit with lies. I then went to Credit repair to restore my credit. That's when midland mortgage told me the escrow was messed up and placed my payments at XXXX a month because they claimed I owe them. then put me into a forbearance that I never agree on. Credit repair found I had not missed any payments until thee Covid-19.I am XXXX  with XXXX XXXX and on a fixed income. I have tried to reason with these people but they will not help me in any manner.
Consumer complaint received 2021-07-22
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. (MI)

I origianally noticed inaccurate information on my credit report after being denied for a home. I contact the credit bureau immediately on XX/XX/XXXX regarding this information. I did not get any reposnse so I followed up with another letter after 30 days. I've read according to law they should complete an investigation and notify me of results within 15 days after my second request. I have yet to hear anything from them regarding this matter. As a result I am making a formal complaint on the company for failing to maintain accurate records and refusing to respond to my disputes.
Consumer complaint received 2017-06-07
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: EQUIFAX, INC. (TN)

I have had a problem with equifax since  XXXX  of  2017 .   XXXX   XXXX   has submitted multiple requests to have some hard inquiries removed off of my report. I have previously submitted letters to cfpb that show where the comenity bank submitted the request. They submitted the request again on  XXXX   XXXX ,  2017  and spoke with equifax business at  XXXX  option  XXXX . They were given case number  XXXX  as proof that the inquiry 's were removed but they 're still on my personal credit report. Equifax is a horrible company who gives consumers the run around. I was told to send a copy of the letter from  XXXX    XXXX   and they would remove the inquiry in which they have not done.
Consumer complaint received 2021-11-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (FL)

XXXX is the servicer on my XXXX XXXX XXXX XXXX Student Perkins loan. They have forced me into an interest accruing forbearance even though I qualified for a Unemployment Deferment and Since XXXX of XXXX, to XX/XX/XXXX All Federal Student loans were suppose to automatically qualify for a 0 % interest forbearance with {$0.00} payments. My Federal Stafford loans followed these federal guidelines of the CARES ACT. 

However XXXX has not, with some help from my school XXXX XXXX was able to fix the problem with the previous problem however saying it used up ALL of my deferment months becuase XXXX ignored the Federal CARES Act that was suppose to freeze interest and payments from XX/XX/XXXX - to XX/XX/XXXX. 

Can you please help with reporting this loan servicer.
Consumer complaint received 2021-11-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (PA)

Called and asked if we accept credit cards ( our business ). And asked if we accept American Express. The. Hung up. Called back and voicemail claiming to be American Express. 

Phone number that called me is ( XXXX ) XXXX
Consumer complaint received 2021-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have couple of hard inquires that I haven't done. This are the following ones that I have seen in my credit report. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-08-24
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. (NY)

XXXX XXXX XXXX - Account Info Account number XXXX Account status Closed Date opened XX/XX/2015 Account type Credit Card
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE (PA)

On XX/XX/2019, I attempted to send an online money transfer to an XXXX in the XXXX XXXX XXXX XXXX, a service that Western Union offers. 

First, Western Union 's faulty system claimed my credit card company declined the transaction. I contacted the credit card company and they advised that they approved the transaction. 

Second, after using a second card, Western Union claimed they would review the transaction and send me an email. 

About XXXX minutes later, Western Union had a third-party non-Western Union call center in XXXX call me and ask me personal identifying questions -- none which I provided online. The XXXX based call center demanded my age, my addresses, etc. Western Union has no control over how this data is kept and the call center did not provide any information as to how the information is stored. 

Since I needed to send the transfer, and notwithstanding that Western Union using foreign agents to seek personal identifying information placed me at risk, I cooperated with the XXXX call center. 

After providing all the information, the agent stated that his system was malfunctioning and he could not determine if the money transfer went through or not. He stated I may receive an email advising. 

I asked for a supervisor and the agent transferred me to another representative. The other representative advised me that he was not a supervisor and would transfer me. At that time, the representative transferred me to XXXX XXXX 's prepaid debit card division 's main customer service number, a separate entity having nothing to do with my XXXX XXXX money transfers. 

It is clear that XXXX XXXX 's system is placing consumers at risk of identity fraud. It appears that they are using call centers that they do not own and that are operated in foreign countries with no privacy controls. 

XXXX XXXX 's representative admitted that software flaws existed and that their systems could not process the information provided, making it clear that the systems are less than secure.
Consumer complaint received 2021-11-17
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: FIFTH THIRD FINANCIAL CORPORATION (SC)

I received a call today XX/XX/XXXX owing Fifth Third Bank {$1800.00} from closing an account in XXXX that had 4 transactions adding up to {$1400.00}. This is the first I have heard of this in 9 years. I don't recall the account nor do I have any information about what I supposedly spent this money on. XXXX XXXX XXXX XXXX is claiming if I don't pay them today, they can submit a claim against me for my contractional obligation. If they submit this, they say that XXXX will lock me down at my current bank, causing me to not have access to a checking account or debit card for five years.
Consumer complaint received 2021-11-17
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I have sent MULITPLE Letters to Equifax and they have failed to respond within 30 days. I sent a XXXX XXXX Letter on XX/XX/XXXX, a No Response Letter on XX/XX/XXXX, an additional No Response Letter on XX/XX/XXXX. I have sent a FTC report 5 times to Equifax and nothing has been done. I also sent an Intent To File FTC Complaint Letter on XX/XX/XXXX and Equifax has yet to respond to any of my letters. Equifax is violating Fair Credit Reporting, Section 611 ( a ) ( 5 ). They have failed to verify information within the 30-45 day time period.
Consumer complaint received 2021-08-24
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. (NY)

XXXX XXXX XXXX - Account Info Account number XXXX Account status Closed Date opened XX/XX/2015 Account type Credit Card
Consumer complaint received 2023-09-08
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

They locked me out my account closed it I do know an unauthorized account was opened. I went to identify myself got stranded they took forever releasing my fund and other companies said my bills were reversed which I have no knowledge of.
Consumer complaint received 2022-10-12
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. (IL)

I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Equifax and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXXXXXX Balance : {$27000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX, IL XX/XX/XXXX
Consumer complaint received 2019-10-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (CA)

My loan was sold from XXXX XXXX, to the company XXXX XXXX, then sold it to XXXX XXXX XXXX XXXX. It then was assigned to a servicer, Rushmore, and this company refuses to send me a mortgage statement although they are accepting my payment, I've reached out to them, but instructed to call the customer service line, and I've tried this in past dealing with this company.

I truly believe this company, Rushmore is working in concert with the second lien holder on my property. The debit on the second was canceled through Bankruptcy chapter XXXX, but did receive a letter from the second dated XXXX, XXXX intending to foreclose on property as lien holder. Ever since receiving this notice is when the company, Rushmore stopped send the monthly statement. 

Because of this act by the second lien holder, I've been forced to entertain Bankruptcy chapter XXXX to save my home. I'm XXXX, and would never make it on the street. The bankruptcy attorney requested from me a mortgage a payoff, and with that statement I were informed the check payable is to be made out to XXXX XXXX, and I find this odd since it was sold by XXXX XXXX XXXX, XXXX. 

One would guess that since my loan was sold, the second lien holder became first in line, and this is why I got the demand letter, what say you? These companies need to be investigated, and not by me. Please act
Consumer complaint received 2020-02-18
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. (FL)

XXXX XXXX card services refuses to submit an " electronic request to remove inquiry '' from my credit report. They keep telling me they are still investigating this matter. I spoke to a supervisor XX/XX/XXXX and she assured me they will alert the credit agency that the inquiry was fraud so that the inquiry would taken off. Well it's now XX/XX/XXXX and the inquiry is still there and my credit score has gone down 14 points due to this.
Consumer complaint received 2020-02-18
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. (GA)

I have gotten a collection bill from a company that I had never had business with, I think my identity has been compromise, in recent and pass data breaches my identity resulted in been access by unknown people, I check my credit and there are accounts that are fraudulent.
Consumer complaint received 2020-02-18
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: EQUIFAX, INC. (GA)

I have gotten a collection bill from a company that I had never had business with, I think my identity has been compromise, in recent and pass data breaches my identity resulted in been access by unknown people, I check my credit and there are accounts that are fraudulent.
Consumer complaint received 2019-08-05
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Venmo was used as the payment method to receive XXXX. Buyers come to XXXX to pay me with XXXX transfer and receive XXXX. Very simple until Venmo decides to reverse 3 payments totaling {$440.00} ( {$40.00}, {$50.00}, {$350.00} ) 2 weeks after I received them. I was attempting to " standard transfer '' my funds ( {$440.00}  ) to my bank account ( which uses ACH protocol ), when I received emails stating they can not initiate and that my account has been terminated. What do I do? Like any normal person, I go to customer service and chat with their specialist who can not tell me anything because front facing customer service representatives are not allowed to know internal information. Understandable, and after another week and half I finally got hold of the Head of some department through email, to which they state they reversed payments and I must collect the funds myself by contacting these users. What? I explained to them that I can not contact users because these were " one-time '' deals. I have done my hardest to do searches for these users using virtually nothing but a username. Nothing ... Venmo refuses to even talk to me anymore stating I am banned from customer service and that I must contact a lawyer! 
How is this even fair? they reversed it weeks after expecting me to collect the funds they reversed? and then ban me? expecting me to collect it using another service? I dont know these people and they refuse to reimburse or even do anything. I have all emails and customer service chat records.