davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-11
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: WAKEFIELD & ASSOCIATES, INC. (CA)

I have noticed that WAKEFIELD & ASSOCIATES have placed a collection/derogatory mark on my credit report, dated XX/XX/2014. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report much less add a collection account without a " permissible purpose, '' I am writing to inquire as to your alleged purpose, for doing so since I did not apply for employment with your organization nor did I request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC? 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { {$1000.00} }, whichever is greater ; ''
Consumer complaint received 2019-04-11
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. (TX)

I have s few credit cards for emergency use. I am a responsible credit card user. But, when ever I use my credit card, Transunion & XXXX reduce my credit score by a few points. My question is : We get credit cards to be able to use them and if we get penalized by using credit cards, then what is the purpose of using the cards? Also, why is it not disclosed by the credit card companies that we will be penalized if we use their credit cards?
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (TX)

I was issued this card by Texas XXXX. The card became inactive after accepting a refund on the card that wasnt used to make the purchase. The company asked me to send in the original and refund receipt in order to make the card active again. I uploaded the documents online as well as faxed the information to three different numbers that were given to me.
Consumer complaint received 2021-04-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

Please see complaint XXXX. 

As part of the above complaint - providing private information to an unknown requestor, Mr. Cooper charged me XXXX to provide this information to whoever this was requesting my mortgage payoff. 

This fee needs to come off of my account ~
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (TX)

n XX/XX/XXXX we started a home improvement project with Lowe 's. This project included granite counter tops in kitchen and baths, sinks and plumbing to complete counters. Since these items are large purchases, we were recommenced by salesperson for me and my husband to each have an amount to cover balance after we paid some down with cash. I opened an Advantage account and was approved for {$6000.00}. My husband was approved for an Advantage card for {$6000.00} in order to complete the purchase. We regarded these accounts as regular credit accounts with interest on the balance. We did not receive enough explanation from the sales staff at Lowe 's did not realize these accounts were " promotional '' and there would be a balloon payment added to the balance when it expired in 2 years. As senior citizens, we would not have agreed to these terms in this aggressive sales pitch if it was understood. 
Since XXXX we have both been making monthly on-time payments on each account. In XX/XX/XXXX a balloon interest payment of over {$2800.00} was added to my account and over {$4000.00} to wife 's account. These actions have significantly increased each monthly payment. The balances show " over limit '' because of these added charges. We dispute how these interest charges have been applied. We dispute that these accounts were agreed by us for " promotional '' terms. We want these accounts to be reviewed and re-written. We will continue to make regular monthly payments as we have done previously.
Consumer complaint received 2022-01-08
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CreditNinja Lending, LLC (UT)

I agreed to a settlemnt in XX/XX/XXXX with this company, they automatically debit my bank every two weeks, the settlemt is to complete XX/XX/XXXX, now they are trying to say i defaulted but they have never called me or sent me a letter, and they have contunued to defuct money from my account, i found out by a threatening email to sell my account, i have called to talk to manager XXXX XXXX and left numerous messages but she will not return my calls the only time i missed a payment was in XXXX when i had covid and i called them and the rep never mentioned on the phone that my settlemt would no longer be honored, they are still continuing to auto debit my account according to the settlement, if the settlement was not honored they should have stopped debiting my account but they continued XXXX still continue to this day
Consumer complaint received 2022-01-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (KS)

Lane Bryant ( Comenity ) keeps calling regarding a deceased ex in-law. This person isn't even related to me. The company calls once a day or at least every other day. I received a messaged this morning XXXX ( XX/XX/22 ) from Victoria with Comenity, number ( XXXX ) XXXX ext. XXXX. 
I haven't written down all the dates and times, but the first phone messaged I received was from a XXXX ', I believe, and I called and talked to him that day in XXXX. I didn't give him my name and number, because he didn't need it. However, I told him the person, I gave the name, they were calling about was deceased. His response was that 'how are we supposed to stop calling you if you don't give us your name? ' and I said 'This person is deceased ' and 'I 'm just calling to let you know that " I figured that since I don't have ties to this person ; she was an in-law by a previous marriage that they would stop calling. So not sure how they even got my number and why they are calling me. 
Anyways, XXXX hung up on me, and the phone calls keep coming. 
Another time that I wrote down was on XXXX XXXX called regarding this ex in-law again, her number ( XXXX ) XXXX option 1 ext, XXXX
Consumer complaint received 2020-09-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ECMC GROUP, INC. (AL)

ECMC was previously servicing my student loans from XXXX. The original loan date was XX/XX/XXXX, original amount was {$11000.00} and {$11000.00}. I have requested several times to ECMC and all 3 credit reporting Bureaus to correct inaccurate information on my credit report. The loans are no longer serviced by ECMC, every month from XX/XX/XXXX thru Present Interest is being added to the loans in violation of the CARE ACT for 0 % interest until XX/XX/XXXX. ECMC is showing 29 late payments on my credit report that is negatively affecting my credit rating. The Open date is incorrect on all 3 of my credit reports it should state these loans were opened in XX/XX/XXXX. I have requested the validation of these loans and the breakdown of the current amounts of {$33000.00} and & {$24000.00}. The loans were transferred to another servicing company which is also reporting on my credit report and it show that I owe Double the amount because the loans are showing owed to 2 different loan servicing companies.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

It is imperative that this account is not included on my credit report, as it is not mine and appears to be fraudulent. I urge you to take the necessary steps to address these inaccuracies promptly.
Consumer complaint received 2020-09-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PRA states they found no records supporting your allegations, including, without limitation, that PRA improperly used obscene and belligerent language. However, it is I, whom has been offended by the use of language in Portfolio Recovery Associates, LLC ( PRA ) notices and communications. The verbiage such as " debt collector '', " debt owed '', " collections '' al are words I find offensive. This has harmed and caused physical damage to my reputation and character. Furthermore, all notices have been received during inconvenient times. Lastly, PRA, has not validated any contract that I have consented or agreed to with their company. PRA has continued to damaged my credit, and PRA unlawful attempt to prejudice my security interest and liberties by an action against the XXXX XXXX XXXX is injuring and damaging me and is an unlawful trespass and a violation of but not limited to ; Title 15 USC 1692e ( 4 ), Title 15 USC 1692 C ( c ) ( 1 ), Title 15 USC 1692k ( a ) ( 1 ) ( a ) Article 1 Sec. 10 to the Constitution for the United States of America 1791, Nunc Pro Tunc.
Consumer complaint received 2017-05-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Harvard Collections, LLC (FL)

Harvard collections service had send me a debt collection bill saying that i owed them i wrote them a dispute letter saying to send be a debt verification, the debt verification they send me was a statement from the original that looks like a bill the bill statement states the statement date as XX/XX/17 and due date as X/XX/17 how is that a statement that is due next month but they are no longer handling the debt i am convinced that they send me a fake validation due to the dates on the statement
Consumer complaint received 2018-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO. (NY)

I tried in the past to apply for an XXXX credit card which is sponsored by Chase, every time I applied Chase Bank always deny application, I have 2 different mortgages with Chase ( no issues ), 2 XXXX XXXX cards ( no issues ), utility bills and payments are on time. I don't understand why every application has been denied in the past 2 years, is either discrimination or something else that Chase bank doesn't want to disclose.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (NM)

XXXX XXXX wrote a mortgage to me for purchase of a home, then assigned servicing responsibilities to PHH Mortgage services. 
I changed the mortgage date on their website from the XXXX to the XXXX, but the website said that this would have no impact on the XXXX payment. I called PHH to attempt to fix this twice, and both times they said that they have no capability of changing the date for the next collection if the request is made after the XXXX of the month before. 

I will remind that this is not a technical limitation because the actual speed with which the systems responsible for this process talk to each other is 300,000 kilometers per second, or about 6 orders of magnitude faster than their stated capabilities. Also, as a XXXX XXXX, I can state that dealing with any software issues could be done by a single developer in half a day. 

This problem exposed a far deeper problem, which is the lack of ownership. PHH has no motivation to provide good customer service because the ultimate customers are never consulted in account assignment. Why fix a problem if it 's cheaper to force NSF charges and then collect the revenues?
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

On XX/XX/2024 I wrote to you requesting an investigation into items that I believed were inaccurate, and falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late. The following late payment information therefore needs to be reinvestigated as it is inaccurate, and then removed from my credit file as it is falsely reporting
Consumer complaint received 2022-04-04
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. (FL)

I have reached out to the credit Bureaus over 30 days ago and I am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.
Consumer complaint received 2020-09-16
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

All my accounts placed with XXXX XXXX on a debt consolidation program. Walmart keeps selling accounts to new people. Last sale was XXXX. They have settled with XXXX XXXX. Should not have this derogatory information in my report.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.
Consumer complaint received 2022-04-04
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)

I have reached out to the credit Bureaus over 30 days ago and I am yet to receive a response, these items on my credit report are inaccurate and I demand to have them deleted.
Consumer complaint received 2022-04-04
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-09-16
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SUNTRUST BANKS, INC. (FL)

My name is XXXX XXXX.I had a business account with SunTrust bank my account number was XXXX by the name of XXXX XXXX.without giving any reason suntrust closed my account when i called the bank they said you can't use our services and the funds will be sent to you within 15 days via check.now its been more than 3 months i called the bank more than 50 times they are not sending the money.every time they are saying its on hold.
Consumer complaint received 2019-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (AZ)

I opened a credit card in XX/XX/XXXX, and closed the account in XX/XX/XXXX. Prior to closing the card there was an annual fee that billed to the account and due to not receiving my statements the account went 30 days past due on XX/XX/XXXX and 60 days past due on XX/XX/XXXX. 
I don't have the account number any longer but the number showing on my credit report excluding the last 4 is XXXX.
Consumer complaint received 2022-08-17
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: AES/PHEAA (NJ)

I am paying private student loans to a medical school ( XXXX ) in XXXX that I never attended. The medical school I did attend was XXXX XXXX XXXX  XXXX. 

Is it legal for the school to fraudulently get the money for tuition, using another school on the other side of the planet that I never attended? 

Did the school commit fraud in certifying the loans therefore I'm not responsible and i should be refunded what I paid?
Consumer complaint received 2022-04-04
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Management Recovery Corp. (NMRC) (KS)

I received a call on XX/XX/22 from a number that read " XXXX XXXX '' on the caller ID. The gentleman said he was from the county courthouse and I needed to come down to the courthouse to sign papers on a docket because a legal group was trying to sue me for fraud and an attempt to defraud a financial corporation. He then gave me a number to call for more detailed info and a case number. I then called the number he gave me and a CSR named " XXXX XXXX '' asked me for my case number immediately. She stated she was with NMRC. I also received correspondence from a " XXXX XXXX '' with national recovery.net. I gave it to her and she had my name, last 4 of ssn, and birth date all there. She then told me that it was XXXX XXXX XXXX who was threatening legal action because I still owed them on a pay day loan from last fall ( XX/XX/XXXX was the date she gave ). I did indeed take out a loan with this company around that time so I thought it was legit. XXXX then started saying things like, I defrauded the company and they are gon na suspend my drivers license and I needed to pay {XXXX} immediately so the case will be dropped and taken off of the docket. Thinking I did owe the money and didn't want to deal with the threat of losing my license I gave her my debit card number when she asked for it and scheduled the full amount to be taken out on Friday XX/XX/XXXX, XXXXShe sent me a form to digitally e sign through my email from XXXX, that was titled, DEBIT CARD OR CREDIT CARD AUTHORIZATION..it had my full debit card number on it, the amount owed, the date the funds would be taken out, and my digital signature..
Consumer complaint received 2019-06-14
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

PayPal, which handles online financial transactions between buyers and sellers on the XXXX  platform, is improperly withholding payments to XXXX  sellers even when perfect performance has already been rendered to XXXX  buyers. This unjustified withholding of valuable consideration from XXXX sellers is a clear breach of PayPals escrow contracts with various parties, especially in the absence of a sellers breach and without the approval of buyer and/or XXXX itself, because it is not authorized by statutory, decisional not administrative law and imposed costs on XXXX   sellers. PayPals has already been put on notice about the unlawfulness of its approach and the injuries that are imposed on XXXX  sellers, but this escrow agents persists in its error and refuses to uphold its fiduciary duties. The argument that PayPals breach of its escrow contracts actually helps XXXX to prevent fraud has no basis in law nor in fact, considering that XXXX provides numerous protections to its buyers that does not require impairing the rights of sellers and does not support this policy.
Consumer complaint received 2019-06-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (TX)

This company, Care Credit, calls my house repeatedly every day. The number of calls varies ; it can be five or more calls per day. Its an automated system that calls. If you answer the phone a computer tells you to hold on the line and a representative will be with you shortly. Then you are placed on hold.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am writing to you with the utmost urgency regarding a fraudulent account that has maliciously tarnished my credit report. It has come to my attention that an account, which I never initiated nor authorized, has been unjustly linked to my name. This egregious error threatens not only my financial standing but also my trust in your ability to accurately maintain credit records. XXXX XXXX XXXXXXXX
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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