davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (GA)

I received 3 debt collection letters from XXXX XXXX XXXX XXXX for debts that were not mine. I called on XX/XX/XXXX and told the agent that those were not my debts and that they have the wrong XXXX XXXX. The agent asked me for my date of birth and the last 4 numbers of my social security number. I refused to give my personal information. I was told that they can not help me if they can't verify my account and they hung up. I called again only to get the same request for my personal information. I went to XXXX just in case the letter was a scam. I chatted with XXXX XXXX of XXXX XXXX XXXX and told her that the debt was not mine. Again, after 2 hours of communication with them and government agencies, I was told that I have to give my personal information including my phone number to verify the accounts, which are from 3 different banks that issued credit cards. I called Comenity Bank, which is one of the issuers, and they could only pull up my one account I have in excellent standing. Finally, after speaking with government agencies, where one suggested I send a certified letter stating that those are not my debts and not to contact me again, I called XXXX for the third time. I spoke to XXXX XXXX, who asked for my personal information, which I refused for the 4th time. I told him that the letter threatens to report the unpaid debt to the credit bureaus, so XXXX has to have the social security number in order to make the report and he won't get any personal information from me, not even my phone number. He finally gave me the last 4 of the person 's social security number XXXX and that XXXX XXXX opened the account with Comenity Capital Bank, XXXX in XXXX, had it a year, made a phone purchase with XXXX and defaulted on the payments XX/XX/XXXX. He also mentioned a couple of other purchases. I told him that it was not my account and neither were the other 2. He said that he would take my address off the list, but I don't believe him. I had this problem with XXXX in the past where I made a report on this same website. I am exhausted. It is unfair that I have to do anything if it is not my debt and I want everyone to be aware.
Consumer complaint received 2021-12-15
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)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-12-15
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. (NY)

In XX/XX/2021 XXXX XXXX XXXX with account number XXXX was taken off my credit report and now has been put back on it. This company does not have this loan as it states on the credit report that it has been Transferred. The Account Status is reporting it as derogatory and this account does not even have a balance reporting on it.
Consumer complaint received 2021-12-15
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2019-08-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (NJ)

Existing conventional mortgage transferred from XXXX XXXX 2019 to XXXX XXXX. Since transfer I have been paying the mortgage on time with the necessary funds.I have included the correct loan number and address for payment. ISSUE : I have confirmed with my banking institution that the money was paid and the checks were cashed. However, during two of the last three months XXXX has claimed they have not received my payments. I have made multiple call to XXXX XXXX XXXX and they have not resolved the issue.
Consumer complaint received 2021-12-15
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. (PA)

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.
Consumer complaint received 2024-03-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC. (MO)

Hi there, sofi closed my account which I when with them on my email ( XXXX ) well I guess by now a lot people must have filed complaints about sofi, sofi closed my account for over 2 months and not saying anything, the account is frozen with my money in it and when I called sofi they asked me to verify myself through a link which I did and till now nothing has happened still, I want access to my money please I need bills paid and its becoming XXXX  wirh sofi
Consumer complaint received 2021-12-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (PA)

On XX/XX/21 I used FedLoan Servicing 's email portal on their website to ask a question about the status of my income-drive repayment plan. 6 days have passed with no response. I wanted to use their chat feature advertised on their website. It always says " No agents available at this time '' during their normal business hours. 

Phone : I have tried calling on 3 occasions. I missed a callback the first time. But now, pressing 1 to request a callback and reserve a place in line either ends the call immediately with no callback confirmation or it just repeats the same loop you've been on, eventually asking you again if you'd like to receive a callback later and hold your place in line.. an endless loop. 

If I can not confirm these details I will not be able to confirm the minimum payment that is on the bill when payments resume is accurate or not!
Consumer complaint received 2019-08-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (NH)

1. I had a HELOC from XXXX XXXX XXXX that reached it's end of drawdown period on XX/XX/XXXX. The XXXX account number is XXXX 2. I owe approximately {$20000.00} on the HELOC. 


3. The HELOC was subsequently sold to Specialized Loan Servicing. The account number is XXXX. 


4. The payment amount due after the drawdown period ended ( the Second Payment Stream ) according to the signed Loan Agreement, dated XX/XX/XXXX, and the Transfer Letter from XXXX, dated XX/XX/XXXX, was to be 1.5 % of the outstanding amount per month which includes principal and interest. 


5. I confirmed that the monthly payment of 1.5 % would include principal and interest with a loan servicer at XXXX named XXXX on or about XX/XX/XXXX. She, in turn, confirmed that with XXXX XXXX XXXX 's legal department. 


6. The loan servicer at XXXX XXXX Mortgage also said that XXXX has historically and always calculated the monthly payment due after the drawdown period ends for interest and principal as 1.5 % of the outstanding amount. 


7. Interest on this HELOC is pegged to the prime rate, currently 5.5 % per annum. On the outstanding balance of {$20000.00} that comes to {$3.00} per diem, or {$96.00} on a 31 day month. 


8. At 1.5 %, the monthly payment on {$20000.00} would total {$300.00}. The interest breakout would be {$96.00} and the principal amount would be {$210.00}. 


9. Specialized Loan Servicing, the new owner of the loan, unilaterally changed the terms of the Agreement. 


10. Specialized Loan Servicing is now demanding that I pay 1.5 % of the principal due each month PLUS interest. 


11. Thus, the monthly payment according to Specialized Loan Servicing would be {$300.00} PLUS interest of {$96.00} for a total payment due of {$400.00}. 


12. This would be {$96.00} more per month due, creating an onerous additional payment and abrogating the original signed contract ( the Agreement ) and Transfer Letter.
Consumer complaint received 2022-10-16
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. (TX)

In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions. 




In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXX XXXX XXXX, has violated my rights. 

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 an account without my written instructions.
Consumer complaint received 2021-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (CA)

Experian widely denies consumers access to consumer credit reports through the online option as the other 2 bureaus provide, and Experian agrees to also provide. For multiple years I have been prevented from obtaining my credit report online. I am only able to request a hard copy through the U.S. Mail. The US Congress has provided weekly credit reports through the 3 bureaus. It is not reasonable to write every week and send a letter every week to receive a hard copy weeks later. I have sent certified mail and received no response to any correspondence over the years. Calling Experian reaches staff that is ill equipped to resolve an issue such as this. No supervisor returns calls. No supervisor is available during these calls according to Experian staff. I am able to properly obtain my credit report online with XXXX and XXXX through the XXXX website. And Experian does in fact provide me with an electronic version of my credit report for a monthly fee that I am forced to pay to obtain my credit report without having to mail in a hard copy request and wait weeks for the report.
Consumer complaint received 2021-12-15
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. (CA)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report, it has been over XXXX days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2022-09-28
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK (CA)

My discover online saving account be scam and without my authorization to process XXXX transfer funds to other banks during XX/XX/2022 to XX/XX/2022. Someone stole my information and open accounts and access discover online saving to withdraw my money. I reported to discover bank on XX/XX/2022 immediatley when I found this fradulant transactions.. They closed my account xxx XXXX and issued a new account xxx XXXX to me. Discover has filed an investigation for my disuputes, however, they send me a letter on XX/XX/2022 said XX/XX/2022 to XXXX bank ACH transaction {$10000.00} ( total are XXXX XXXX transaction {$20000.00} ) are valid, and will debt this amount on XX/XX/2022 from my account. I call XXXX bank represententive : XXXX to report Identity Theft today. She told me she can't find my account. 

Following list are transactions for dispute. 

on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$55.00}, on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$4800.00} on XX/XX/2022, XXXX withdraw XXXX XXXX, amount {$0.00} on XX/XX/2022, XXXX withdraw XXXX Bank, amount {$10000.00} on XX/XX/2022, XXXX withdraw XXXX Bank, amount {$10000.00} on XX/XX/2022, XXXX payment to XXXX XXXX, amount {$600.00} on XX/XX/2022, XXXX payment to XXXX XXXX, amount {$600.00} on XX/XX/2022 XXXX payment to XXXX XXXX, amount {$600.00} XXXX filed a police report with sheriff : XXXX XXXX XXXX ( her email : XXXX & XXXX : XXXX ) with case number : XXXX on XX/XX/2022 since discover will reverse {$20000.00} ( on XX/XX/2022 ( XXXX XXXX Bank ). I need additional information to ask Discover to reopen this dispute. I call Discover bank today to get copies of the documents regardings their investigation. They say they don't have it.
Consumer complaint received 2022-09-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I had a newly leased vehicle with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX The vehicle was totaled. My insurance company XXXX XXXX ) attained the pay off for the vehicle which was {$20000.00}. This was exactly what I owed and matched my pay off on the XXXX finance website under my account. XXXX sent them a check on XX/XX/XXXX. Subsequently, I received a bill for an additional {$3300.00}. The XXXX XXXX company stated the vehicle was valued at {$23000.00}. They have asked for me to pay the difference. My insurance company contacted them and got the payoff for the car. I don't believe I should have to pay for what they VALUED the vehicle to be, I paid what I borrowed and ultimately owed after making the monthly payments for a few months. They have put it on my credit report as past due on XXXX, Transunion and XXXX. I have a letter from my insurance agency to XXXX, it reads " Contact was made with XXXX XXXX XXXX on XX/XX/XXXX, requesting the payoff amount for XXXX XXXX leased XXXX XXXX XXXX. During this contact, a Lease Payoff of {$20000.00} was quoted. The telephone representative advised once the lease payoff was received the lease would be closed and title issued too XXXX  '' I have notified the credit agencies.
Consumer complaint received 2023-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO. (NY)

The bank has reversed a transaction for items that were never delived to my house. They are then tying to XXXX assault me or my children for the balance of the checking account. There were several items ordered, and when the deliver was to take place there was no longer a way to login and check the delivery of the grocery items. The grocery items included a large case of XXXX and other delivery items that were never brought to the door. The bank was not given sufficient evidence of the items having been delivered and they went ahead and deducted the claim amount from a different bank account. The account which the claim existed for was already closed and resolved.
Consumer complaint received 2021-12-15
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Associated Credit Services, Inc. (OH)

On XX/XX/2021 I received a letter from ASSOCIATED CREDIT SERVICES , INC sent me a letter via mail stating I owed a debt and that legal action can be taken and any information will be used against me to collect such debt. The letter has my personal information all over it. After I received the letter I started receiving calls from the company mentioned above stating I owed a debt and any information would be used against me to collect the debt. When I answered the phone the lady did not follow the Fair Debt Collection Practices Act and Congress has declared abusive practices are abundant and that is why they enacted the FDCPA due to inadequate existing laws.By definition under the FDCPA the above mentioned company is a Debt collector they said so themselves on the phone and in their letter. They violated 1692b by asking if I was who I am but did not state it was to correct or confirm location information. They stated I owed such debt. They contacted me without my permission. They used language and symbols that relate to an collection of debt.Under 1692c they violated that section by communicating with me without my permission and an unusual time and place. They communicated with Third parties without my consent given directly to them.They violated 1692d using harassment or abusive words and tactics. They caused my phone to ring repeatedly. They also used obscene and profane language on the phone and in the letter to abuse the hearer or reader. This company mentioned previously above violated 1692e using false or misleading representations. This company violated 1692f with Unfair practices. I stated for them to validate the debt pursuant to title 15 U.S. Code 1692g and they did not send anything. There for this company is liable to me pursuant to Title 15 U.S. Code 1692k in the amount of {$14000.00} and any damages a court may award. I demand this company compensate me for causing such XXXX XXXX XXXX to my XXXX XXXX  and due to the abundance of evidence they violated the Fair Debt Collection Practices Act the supporting documents shall be uploaded. Affidavit will be sent to company.
Consumer complaint received 2021-12-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

This company is not only trying to collect on a zombie debt but has been reporting incorrect information to the credit bureaus. This is a severe issue as it is causing me XXXX XXXX XXXX There are many errors being reported on my credit report by this account such as date of last activity, date opened, account status is reporting as open, payment status showing incorrect information.,
Consumer complaint received 2021-12-15
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. (FL)

On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.
Consumer complaint received 2022-09-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (GA)

Booked a hotel on XX/XX/XXXX with chase ultimate rewards points being used, but multiple rooms were filthy and we checked out immediately and booked with a different hotel. I reached out to Chase on XXXX and during that week I was advised that I would be credited back the points used within 2 months. Credit was never posted and now Chase is refusing to refund me because they claim the initial hotel I booked with is refusing to refund them. Chase states that the hotel says I stayed for my full booking of two nights, that the rooms were clean and that I never spoke with their front desk. All of these statements are lies. Chase requested I send them a copy of the reservation at the replacement hotel on XX/XX/XXXX but they are still refusing to process my refund. There seems to be no recourse available to me in this situation.
Consumer complaint received 2021-12-15
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. (NY)

On XX/XX/2021, someone attempted to get XXXX credit in my name. I immediately contacted XXXX. The representative said, " If you had not contacted us, we were going to contact you. '' The XXXX representative notified all three credit bureaus. XXXX XXXX and XXXX immediately removed the fraudulent inquiry. Equifax has refused despite numerous disputes.XXXX provided a fraud alert on my file with all three credit bureaus. 

Today, I spoke with Equifax supervisor XXXX XXXX, who was patronizing, uninformed, and perfectly satisfied with leaving a fraudulent hard inquiry on my account. I asked XXXX XXXX to add a consumer statement regarding this situation. As of this writing, he has not. I have filed XXXX disputes since XXXX. 

I respectively ask that the XXXX and Equifax immediately remove the fraudulent XXXX hard inquiry on my credit report.