davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-16
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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WI)

I have contacted TransUnion XXXX and XXXX to obtain free annual credit reports in addition I have received the reports from transunion and from XXXX   but I have not received my XXXX report yet all these bureaus have a hard time verifying my identity when I call them or do the online process because I don't remember all my security questions and everything off the top of my head and so they have a hard time verifying my identity and then they're delaying it by telling me to mail in identity verification and so I do have a security freeze on all three credit reports and also fraud alerts that I put in place but those are the hard balls to me getting around at accessing my credit report and or dealing with day-to-day business with them
Consumer complaint received 2019-06-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Sarma (NC)

On XX/XX/XXXX, Sarma contacted my mother after I put in a complaint telling them to stop contacting all family members. They told me they would cease all communication. Its a debt that has been dropped from my credit. They have called harassing my dad, my mother, my exhusband, and my exhusbands family. They also tell them that I owe them and about the debt which that is embarrassing. I was told they would stop contacting my family and ex in-laws and it is still happening. Next step Ill be contacting a lawyer.
Consumer complaint received 2019-06-16
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (WI)

I have contacted XXXX Equifax and XXXX to obtain free annual credit reports in addition I have received the reports from XXXX  and from XXXX but I have not received my Equifax report yet all these bureaus have a hard time verifying my identity when I call them or do the online process because I don't remember all my security questions and everything off the top of my head and so they have a hard time verifying my identity and then they're delaying it by telling me to mail in identity verification and so I do have a security freeze on all three credit reports and also fraud alerts that I put in place but those are the hard balls to me getting around at accessing my credit report and or dealing with day-to-day business with them
Consumer complaint received 2017-03-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Student Services (MN)

I was contacted by Student Services ( XXXX XXXX, CA XXXX XXXX www.StudentServices.help, back in XX/XX/XXXX. They were telling me that if I started making payments to them instead of XXXX, that they would continue to make payments on behalf of me and I would be a part of a program that essentially lets me make payments based on my income for 10 years, and after that, anything that 's left over, gets written off. It seemed sort of suspicious to me at the time, but I was doing okay financially and continued making payments to XXXX and Student Services with the thought that I would pay down my principal. After about two years of making payments, I became " unqualified '' because I no longer have an income, so I stopped making payments to Student Services and continued with XXXX ... after some time, I thought I better make sure that these payments I made, actually went towards my XXXX. It turns out the funds were never applied. I 've been in contact with a gentlemen at Student Services who is willing to give me a partial credit of {$1700.00} but not the full amount I paid overtime ( {$3500.00} ). I have a history of e-mails from these people, I have contact with someone still, and I have additional records. I would like to get everything I paid them returned and I would like them to be noticed as a fraudulent company. So my problem is not with Government loans, but a company pretending to work with the Government and stealing money from college graduates just trying to pay back their student loans.
Consumer complaint received 2019-08-29
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: SYNCHRONY FINANCIAL (NC)

Previously I had a complaint against Synchrony Bank where 6 inquiries appeared on my credit report which I did not authorize. An investigation was done and found in my favor. Synchony Bank sent me a letter dated XX/XX/XXXX, stating these hard inquiries would be removed. The dates of the inquiries were as follows : XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 The letter stated the updates to my credit report may take up to 60 days. At this point, it is well past 60 days and two of the inquiries are still on my report. The two inquiries still showing on my credit report are XX/XX/2017 and XX/XX/2017. 

I need these removed right away as these inquiries were deemed the actions of fraud in early XX/XX/XXXX. I am trying to get my credit report in better standing and feel I have waited well beyond the amount of time expected. I have also attached a copy of the letter from Synchrony Bank stating these would be removed.
Consumer complaint received 2019-04-18
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (FL)

I started getting phone calls from the listed number to discuss my American Express credit card. I had previously had an American Express card, but the last payment on it was made back in XXXX and therefore, any alleged amounts owed have been time barred by the applicable statute of limitations and is no longer on my credit report. Today on XX/XX/XXXX, I spoke to them on the phone, and they repeated were attempting to get me to revalidate the old alleged debt by giving them a new due date. I told them that I had no idea what they were talking about and asked for them to send me the paperwork with respect to this debt. They then said they can open up a new card for me if I paid off the old debt in full. I again said that I was not going to pay anything until they send me the applicable paperwork. They responded by saying that they can only do that once I confirm a due date for this alleged debt, and repeated tried to get me to state a due date over the phone despite my unwillingness to. I immediately hung up the phone on them. Clearly, Am Ex is now trying to collect old debt that they can no longer legally collect.
Consumer complaint received 2019-06-16
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: JPMORGAN CHASE & CO. (MA)

Between mid-XX/XX/XXXX through mid-XX/XX/XXXX, someone made purchases through my XXXX account for a game made by " XXXX XXXX ''. I noticed due to the high card balance and I reported it to Chase on XX/XX/XXXX and put a claim into XXXX. XXXX refunded a weeks worth of charges. I attempted to contact XXXX, but there was no direct communication I could find on the web other then form ( would need to submit over 200 forms and their site does not mark which one have been submitted ) Chase did a Fraud investigation however since it was my XXXX account, they cant count it as fraud. Chase then submitted it as a dispute. The dispute lasted 2 months and I followed their instructions, including contacting XXXX and the merchant of the game through a number Chase provided me. Ultimately, XXXX advised me I need to contact the merchant. I was bounced back and forth multiple-times saying if I want a refund, contact the other person ( see the recent email chain attached ). Chase informed they cant do anything as it was digital product, to much time has pass ( even though I filed it within 2 billing cycles ) and  XXXX claims the money is already with the merchant, who does not reply to my request for refunds anymore.
Consumer complaint received 2019-06-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: Bread Financial Holdings, Inc. (GA)

I transferred {$1600.00} Comenity Bank ( XXXX ) credit balance to a new XXXX card with a zero percent balance transfer offer on XX/XX/2019, which is the date the balance appeared on my XXXX account. I wanted to close my Comenity Bank account but discovered it still reflected a {$1500.00} balance ( reduced because I had made a {$100.00} payment waiting for the transfer to be completed. ) On XX/XX/2019 I contacted Comenity Bank to ask when my account would reflect the transfer and how to close my account. I received the following response on XX/XX/2019 : We certainly do apologize for any inconvenience or confusion this has caused. Please go to the Account Services tab and select Transfer a Balance. Once you have selected Begin a Transfer, please follow the steps to process the request. The promotional Annual Percentage Rate ( APR ) and the total amount able to be transferred will be provided on the main Balance Transfer page before beginning the request. 

Although we are sorry to hear you wish to close your account you may do so by : 1. Submitting your request online via our " Contact Us '' link ( after sign in ) 2. Contacting us at the phone number listed on your credit card 3. Sending your inquiry by mail to the address listed below : XXXX XXXX XXXX XXXX, OH XXXX For one thing, I have never heard of having to request a balance transfer from the bank where I want to transfer a balance from. I transferred another account to the same XXXX card, without contacting the issuer, and it was transferred with XXXX  balance being reflected on my statement within a few days. This practice, if legal, is incomprehensible. I am now paying fees on two accounts for the same balance. 

Second, I am unable to follow the instructions provided to 'request a balance transfer ' because there is not an " Account Services '' tab on their website. 

I have been reasonably satisfied with Comenity Bank for the nearly ten years I've had the account, however this is absurd and, I hope, illegal.
Consumer complaint received 2021-03-01
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ClearPath Lending (VA)

ClearPath Lending Licensing Information : NMLS : XXXX http : XX/XX/XXXXClearPath Lending, Inc. XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX I refinanced with this company in 2020 and then sold my house. Since that time XXXX XX/XX/2020 ) I have continued to receive annoying mailings which I have formally requested to be stopped. The company acknowledges stopping the mailings but they keep coming. 

I ADVISE EVERY VET TO AVOID CLEARPATH LENDING AT ALL COST. THEY WILL HARRASS YOU FOREVER.
Consumer complaint received 2023-04-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC (CA)

A fraudulent account was opened under my name with XXXX XXXX on XX/XX/2022 at this address : XXXX XXXX XXXX XXXX, OH XXXX I called XXXX XXXX directly to try and resolve the issue, but they were not able to immediately help me. During the call, I was able to determine that the other authorized user on the account is XXXX XXXX. I do not know who this person is. I live in Southern California and have never stepped foot in Ohio. Somebody stole my personal information and opened an account with XXXX. 

The thief did not pay the bill, and now XXXX has sent the balance, {$220.00}, over to a collections agency : Sequium Asset Solutions XXXX This has now negatively impacted my credit score with XXXX.
Consumer complaint received 2023-05-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 61 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: DCN Holdings Inc. (OH)

A month or two ago, I started getting letters from a company ( XXXX XXXX, XXXX XXXX XXXX, XXXX, FL XXXX ) telling me that they were trying to collect a {$74.00} debt owed to " XXXX XXXX XXXX XXXX XXXX '' and that I better pay or they were going to make reports to credit bureaus. I wrote them back, telling them that I don't owe any amount to, and have never done business with, XXXX XXXX. A web search told me that this electric company is in Massachusetts ; I do not even live in Massachusetts and have certainly never done business with XXXX XXXX. XXXX XXXX just keeps sending letters. Maybe they are trying to scam lots of people.
Consumer complaint received 2019-06-17
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. XXXX XXXX XXXX
Consumer complaint received 2019-06-17
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply.. XXXX XXXX   XXXX
Consumer complaint received 2019-06-16
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NC)

My husband took my XXXXyr old son to XXXX XXXX on XX/XX/19 as my son was ill. My husband had to leave during my son 's appointment, so I met him there and continued forward with the appointment. My son was flu positive and received prescription for XXXX. Ms. XXXX noted as my husband and I were both exposed we should consider taking XXXX XXXX. She provided prescriptions for both my husband and myself, which I filled and paid for. Subsequently, my husband and I both received {$89.00} exam bills from XXXX XXXX  for the date of XX/XX/19. My insurance was billed directly but my husband was billed as un-insured as he was not in the XXXX XXXX system ( though we share the same policy ). I called XXXX XXXX to dispute the claims as billing fraud noting these services where never provided to my husband or myself. The representative confirmed they have no vital signs or notes in their system that would indicate any type of exam occurred. He reported it was likely an error on their side and would be resolved. It apparently was not resolved as the bill was turned over to a collection agency. I have paid it as XXXX XXXX correctly played the odds that I would not put in the additional effort to try to fight the collection agency. I do feel this is billing/insurance fraud. We will not utilize their services in the future and will strongly encourage others to avoid XXXX XXXX as well.
Consumer complaint received 2019-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (FL)

Rentdebt Automated Collection has place a inquiry of {$2800.00} on my credit report from previous apartment rental. 
My leasing agreement was fulfilled and I was allowed to stay a additional two more weeks until my new residence was available. I paid the pro-rated daily amount that I used and stayed till the end of my entire lease never missing a payment. A letter not to renew was provided to the leasing agent. 
A few months later I received a enormous balance due of {$2800.00}. 
Spoke to the rental leasing office the gentlemen there said he was able to remove some of the bogus charges that the manager at the time place on my account but that was the best he could do. 
This is not acceptable as to they had no real grounds to charge me these fees and were placed on there without any accuracy. 
In addition the apartment was rented immediately after I moved so no funds were lost from the company from my vacated the property. 
Please remove this inaccurate information from my credit report.
Consumer complaint received 2019-06-17
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KAHRS LAW OFFICES, PA (KS)

in XX/XX/2019 my mother phoned me told me she had received a letter from Kahr 's Law Firm in XXXX KS addressed to me. I do not and have not lived there. She mailed it to me. I received letter around XX/XX/2019. It was a debt collection notice regarding a payday loan I took out at XXXX 'XXXX XXXX XXXX XXXX in XXXX, KS. I phoned Kahr 's Law Firm on XX/XX/2019. I was prompted to leave a message. I left all required information request as " not to be put on the bottom of the my list '' as she said it. All required information includes my phone number, place of employment, name and last four numbers of my social security number and I would like to make payment arrangements. I wanted to settle my debt sooner rather than later so I phone XXXX XXXX XXXX XXXX XXXX in XXXX, Ks spoke with XXXX he agreed to settle on pay off amount of {$340.00}. My mom went to XXXX XXXX  XXXX XXXX  XXXX next morning XX/XX/2019 and Paid in full. Debt is paid. I have receipt. I had not heard from Kahr 's Law Firm ever actually so I thought the matter had been resolved. Then, on XX/XX/2019 my mom phoned me telling me a sheriff visited her house wanting to serve me a subpeona to appear in court for said debt still owed. Sheriff did not serve papers as I was not there again as I do not and have not ever lived there actually XXXX XXXX XXXX XXXX   XXXX had a complete different address on file. I phoned Kahr 's Law Firm spoke with XXXX she requested I fax receipt to her as I did the next day. I phoned Kahr 's Law Firm to comfirm their receival of receipt. No one answered. I left message voicemail to please call me. I phoned XXXX at XXXX XXXX XXXX XXXX  XXXX in XXXX as that is where they handle the collection matters. XXXX told me was paid off and she would phone Kahr 's Law Firm. I spoke again with XXXX shortly after that. She told me she spoke with XXXX at Kahr 's Law Firm told her debt was settled and if I owe anything it would be between Kahr 's Law Firm and me. I phoned Kahr 's Law Firm after that XXXX answered I told her I my name and that I just spoke with XXXX at XXXX XXXX  XXXX   XXXX  XXXX, she asked me to hold and either she hung up on me or we got disconnected this happened XX/XX/2019. I phoned back she did not answer nor did she ever call me back. I phoned XXXX County District Court in XXXX on XX/XX/2019 spoke with XXXX she told me my court date is XX/XX/2019 and that the papers from Kahr 's Law Firm regarding debt they claim I still owe with XXXXXXXX XXXX XXXX XXXX   XXXX  was filed XX/XX/2019 and again payment to XXXX XXXX XXXX XXXX XXXX was made in full on XX/XX/2019. Today is XX/XX/2019 and I have not heard from Kahr 's Law Firm.
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Around XX/XX/2018 I had my credit report run for a rental application. XXXX   stated that I have too many accounts open and the balances on those accounts are TOO HIGH. 

However when I called XXXX they agreed that I only have 2 open accounts with low to no balances. They were not sure why they reported that I have Too Many open accounts with High Balances on them. It was a very hard and long process to talk to them, they asked rediculous security questions ( if I have paid off my account in full, what would be the balance? XXXX Dollars. That is correct, you have passed the security tests only there were several questions like that ). I also tried to submit a dispute on their website but their site had several problems to which they told me that they are having technical difficulties with their website. The person on the line was difficult to understand and was unreasonable. I was told that companies are running soft inquiries on me, without my knowledge or consent and it is up to me to contact all of these unknown companies and ask them to submit letters asking equifax to remove their information. This is impossible. ( Just paraphrasing the conversation I had on the phone with XXXX ). On the phone they agreed that I do not have multiple open accounts with high balances, However this is the information that XXXX provides in the report. They suggested that I contact the company that ran the report and tell them to stop reporting wrong information ( when in fact it is XXXX that is reporting the wrong information not XXXX XXXX in XXXX XXXX CA ).
Consumer complaint received 2023-05-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

They failed to validate a debt that is not mine and and tried to get me to sign their contracts. I have never done business with these companies. They taunted me by mail and over the phone by robotic response system. Failed to CEASE AND DESIST
Consumer complaint received 2019-06-17
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)

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX,