davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (MI)

Discover didn't fully address my complaint in CFPB case # XXXX. The CFPB told me to file another dispute. 

1. Discover asked me for proof of the merchant 's money-back guarantee. I sent it to them. They still did not resolve the billing dispute in my favor. Why did Discover ask for proof of the guarantee if that didn't make a difference? 

2. Furthermore, I bought an inspection to be done by a XXXX XXXX XXXX XXXX XXXX certified inspector as XXXX 's website advertises. However, my inspection was NOT done by a XXXX XXXX XXXX XXXX XXXX certified inspector. Why does Discover feel this false advertising is OK? I didn't get what I paid for. An XXXX home inspector has gone through training. 

3. When we asked the inspector about the air duct in question, he said it was fine. Giving completely incorrect information is definitely not what I paid him to do. 

If Discover doesn't address all XXXX of this issues in its reply, I will file the complaint as many times as it takes for Discover to address all XXXX issues.
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Dear XXXX XXXX XXXX : Why does a Collection inquiry for {$1400.00} XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) appear on my credit report? I personally havent been to the hospital since XX/XX/XXXX the only time due to a car accident and my insurance pay for my bill. I believe that those bills were unlawful. I contacted the office of the Florida attorney general and I request that you send me the information that you collect on the time of service, copy of my social security and dated with my driver license and any other information that pertain for this account. 
Aren't you aware that you must enforce the permissible purpose? 
Provisions of the Fair Credit Reporting Act? 
Prove to me that the inclusion of this inquiry complies with this federal law, or remove it now. 

Sincerely, XXXX XXXX
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (GA)

I would like to add to an existing complaint. Complaint No. # : XXXX. NCB XXXX XXXX sent me a letter on XX/XX/2019 claiming they have conducted an investigation into my complaint stating that they can't substantiate the allegations brought against them specifically providing validation of my signature showing that I have some obligation to pay them a debt owed. They still have failed to provide any validation of my signature on any loan or debt obligation to NCB XXXX XXXX. I am requesting validation, made pursuant to the Fair Debt Collections Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note I am requesting validation, that is competent evidence bearing my signature, showing that I have or had some contractual obligation to pay you.
Consumer complaint received 2019-06-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

Paid $ XXXX/month for four months with no type of assistance. Claimed to be able to fix even just some of the issues on my credit report. In four months they only took one complaint off and it was a bill that had already been paid off. After I cancelled their services I filed complaints with the credit bureaus on my own and resolved over half the issues that needed fixing in less than a month 's time at no expense.
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc. (NH)

I was a tenant for XXXX XXXX XXXX in 2015. I received notification that a balance of {$210.00} is owed to ProCollect Incorporated along with an additional {$7.00}. There was no notification of balance prior to collection. Additional information was requested to ProCollect Incorporated with no notice.
Consumer complaint received 2023-06-12
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: DISCOVER BANK (CA)

I have a fraudulent account on my credit report, which I reported to DISCOVER FIN SVCS LLC, yet DISCOVER FIN SVCS LLC is not removing this fraudulent account. Discover Bank has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet DISCOVER FIN SVCS LLC has refused to do this. The following is the fraudulent account : DISCOVER FIN SVCS LLC XXXX which was opened at an address where I have never lived at and it has nothing to do with me.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

I have about {$90000.00} just in private student loans. I have XXXX private loans with different interests rates which is about {$900.00} a month just for my private loans. I have federal loans with Navient as well and those are about {$300.00} a month with a total of about {$1200.00} a month just for student loans. I have let Navient know multiple times that I am not able to afford that amount of money a month and they refuse to work with me to lower my payments. They have insisted that I am at the lowest payments. They have suggested that I put my loans in forbearance and did not let me know that I only have a certain amount of times for my loans to be put in forbearance and that when they put it in forbearance they tell you it 's for 3 months, but do n't tell you that they will back date your account that three months so it really only ends up being 1 month of no payment. My private loans have lowered my credit score by XXXX points. As of right now they put me on a 15 month payment plan and they say that after 3 months my account will be " current '' and my credit score will go up. I only agreed because I am concerned about my credit score and they refused to lower my payments without me being on a payment plan. These loans have been very stressful since I 've graduated. I am not able to consolidate my private loans and when my federal loans were consolidated they split it up into XXXX lump sum loans instead of one loan. With my credit score being lowered due to this that will hinder me from purchasing a home, car or anything else. Student loans and Navient have ruined my life.
Consumer complaint received 2023-05-23
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. (MN)

I purchased a dress from XXXX and returned the dress. I have proof of the return. 
The purchase remains on my XXXX account even though I contacted the number on the back of the credit card statement ( I have proof of delivery of the dispute. ) XXXX has reported this to the three credit bureaus. I filed a dispute with each of them providing them with the documentation of my return, however, the credit bureaus did not remove this erroneous reporting from my file. XXXX continues to bill me for the dress - a statement was received in todays mail (XX/XX/XXXX ). 
I don't know what else to do. I do not have the dress, it was returned, and I am not going to pay for something that I do not have.
Consumer complaint received 2020-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (FL)

On XX/XX/2020 my XXXX XXXX account had a report of a collectors report, that severely dropped my credit score. It states that on XX/XX/2020 my XXXX account ( that Ive had for 5 years ) reported new to Southwest creditors  to collect {$45.00} from me. Ive never received any documents neither from XXXX, nor from Southwest Creditors  regarding this debt, and my account is on autopay with XXXX and is in good standing, working without a problem. 
I went to XXXX office, who looked at the history of my account with them and reassured me I owe them nothing, my account works fine and I dont have any outstanding past or current bills and that my account has and had no problems. 
So I call this southwest creditors to find out more about the debt they claim I have. They use my wrong last name, say that I used to have an account with XX/XX/XXXXXX/XX/XXXXfor which I owe money, but tell me about my current XX/XX/XXXX account that I was told by XXXX has and had no problems. Southwest debt collectors fail to justify any information about the debt they say I have! They also never ever contacted me prior to dropping my credit score severely. This whole situation makes no sense and I feel like Southwest creditors commit fraud by accusing me to owe money to XX/XX/XXXX that I have to pay to them, yet XXXX has no knowledge of such bills that I failed to pay. Please help me in this highly unpleasant situation.
Consumer complaint received 2019-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (AZ)

To Whom It May Concern, In XXXX of XXXX, there were some fraudulent activities with my XXXX   account, resulting in me having to close the account. The account that was close is the account that I use to pay all my bills online and direct deposit. In XX/XX/XXXX I personally contacted Chase card services and updated my new information and I was reassured that everything is going to be ok moving forward. Fast forward to XXXX, y XXXX XXXX I contacted Chase card services to check on my rewards. The Chase representative informed me that my account is two months behind. I was surprised since I know I had set up a direct deposit. The representative informed me that she is taken care of everything and I should make a payment {$100.00} by XX/XX/XXXX. A payment of {$150.00} was scheduled for XX/XX/XXXX just to ensure everything is ok. A few days later Chase closes my account dropping my credit score over XXXX points. I was devastated and still is because I did everything that was required of me, I even contacted Chase with my updated back information. Now I am trying to buy my first home and kept getting denied grants because my credit score had dropped so low I am not eligible. I went above and beyond to resolve this issue. Chase is refusing to accept responsibility for what happened.
Consumer complaint received 2023-05-23
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. (IA)

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-06
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: EQUIFAX, INC. (NY)

in accordance to Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. The credit Bureaus stated my account was properly investigated but how is that possible if the open inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The 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 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation here is my certified mail
Consumer complaint received 2019-06-25
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. (NV)

It is my understanding that the following collection agencies are being reported on my credit report.. XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX XXXX..In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away
Consumer complaint received 2019-06-25
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. (NV)

It is my understanding that the following collection agencies are being reported on my credit report.. XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX XXXX..In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away
Consumer complaint received 2019-10-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have credit reports paid for since 1994 the data breeches from the major credit reporting agencies are at fault trying to correct the issues every time credit has been denied for no valid reasons, action were to make a statement on the credit report as follows : I do not make any payments for any financial obligation myself, I trust in my Spouse that has paid all financial obligations since marriage, Because l have limitations that do not allow me to perform these duties as I should.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2019-06-25
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. (NC)

In all the years that I've been doing business with companies, I never perceived of, nor am I interested on purchasing services from them, take this off XXXX - ( ORIG CREDITOR : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (CA)

On XX/XX/2018 I applied for a credit card online with US Bank. I requested a credit limit of {$18000.00}. In addition I was requesting a balance transfer of {$17000.00} from another credit card. Both a credit limit and whether I wanted to initiate a balance transfer with the dollar amount were fields on their online application. Approximately 2 weeks later I received in the mail a credit card with a credit limit of {$1800.00}. I called their Customer Service lime and and was notified this was a system generated credit limit and if I wanted to be reconsidered for a higher amount that another credit inquiry was needed. I called numerous people within the organization to get this rectified but to no avail. One of their own Head Underwriters considered their system flawed. I eventually got in touch with the Office of the President and one of their reps contacted me and said she would call me back after she got my side of the situation. She never returned any of my numerous phone messages and then her number eventually just kept ringing - her voice mail never picked up again. This was after me leaving her messages for 3 weeks straight. Very unprofessional for such a large Bank. And thats where it ended - no way to get a hold of anyone.
Consumer complaint received 2019-10-09
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ZARVAD III S.A. (CA)

I revoked ACH privileges on XX/XX/19 so I can negotiate a lower settlement. I'm now being threatened by Mypayday loans that as a result of me revoking ACH privleges that is the same as writing a bad check. I do not believe this is the case since mypayday loans should not try to process the ACH payment. This is my understanding. Please see their Email to me Below : Minimum Payment now due : XXXX Account Balance : XXXX Please be advised. 
Bank Returned Payment due to Authorization Revocked As a result, your advance with us has been in default since XX/XX/2019. 


We understand that banks can be confusing with credits, debits, direct deposits etc., and mistakes happen to cause non-payments to occur. We know that this accidentally happens at times and we would like to give you a chance to clear this matter up. However, this default has been reported and it will hinder your check writing privileges. Please contact our offices IMMEDIATELY to make full payment or at least the minimum payment in order to bring your account back up to date and have the negative check removed. Please call me at XXXX or email so we can continue to have you as a valued customer and avoid unpleasant repercussions as a result of this payment oversight. 

Keep inmind that an ACH transaction is the same as writing a bad check, and it will be treated as such.
Consumer complaint received 2019-06-25
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: Experian Information Solutions Inc. (MO)

All these inquiries on my credit files are fraudulently placed. I did not fill any application out for the following, please remove these unauthorized inquires XXXX ) XXXX ( XXXX ) XXXX ) XXXX  ( XXXX ) XXXX ) XXXX XXXX ( XXXX ) XXXX ) XXXX XXXX ( XXXX ) XXXX ) XXXX / XXXX  ( XXXX ) XXXX ) XXXX ( XXXX ) XXXX ) XXXX XXXX ( XXXX ) XXXX ) XXXX  XXXX ( XXXX ) XXXX ) XXXX XXXX ( XXXX )
Consumer complaint received 2019-06-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

XXXX Hospital received payment from XXXX XXXX XXXX. I then paid my co-payment directly to XXXX Hospital. The debt collection firm that XXXX Hospital hired, CMRE Financial Services , Inc,. continues to try to collect, even though nothing is owed.
Consumer complaint received 2022-12-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO. (WI)

I received a cell phone call on XX/XX/22 from someone saying that it was XXXX, checking on a couple suspicious charges. I said I had not made them and the person on the phone told me what company the charges were made to and where the merchandise was to be sent. I further confirmed that those were not my charges. They asked me if I had lost my credit card or let anyone else use it. They were very sympathetic and gave me advice on how to make sure my card wouldn't be misused in the future. 

This person then said that I was part of a scam from a company that was already being investigated by the government. They said that, to clear this, they would connect me with the bank that my credit card payments go through. The XXXX person ( the " bank '' ) said that they needed by SS # and the last XXXX digits of my checking account in order to proceed. When I hesitated, they assured me that they would get this all cleared up. They, too, were very sympathetic and offered security advice, saying that this is a big racket and is happening all the time. I asked them for their name again and for an employee ID number, which they readily supplied. After that, person # XXXX said that they would connect me with the FBI, and that I should explain about the fraudulent company. 

After a few minutes, an " FBI '' person picked up and, upon my request, gave me his name and badge number. ( All XXXX of these people had XXXX accents, but I didn't want to assume that they were part of a scheme, so I proceeded. ) I told this person that before I went any further, I needed confirmation that they were legit. He had me look up the FBI site, then confirmed the address I was seeing. He also had me look at the phone number on the site. He asked if he called me from that number, would that confirm it for me. I said it would. Then he actually called me from that number! He then gave me a " case number. '' He asked how much money I usually kept in my checking account. When I asked what that had to do with anything, he said all the information I gave would make it easier for them to help me. That was finally the last straw for me. I said I had to take care of a couple things, and would get back to him. I asked for his desk number and he supposedly gave it to me. XXXX I called it back later to play with him. He actually picked up. I said I was calling about my earlier case, not giving my name. I asked him to tell me again what my case number was, and he gave me that same number again. ( They must give everyone the same " case number. '' ) He asked what he could do for me- and I said that I had now been on the phone long enough to start an investigation on him - and hung up. I wish. 

How very foolish of me. But my concern for not judging a foreign accent - and their " concern '' for helping me out of my urgent problem sucked me right in. Sigh.