davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-07-28
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: JPMORGAN CHASE & CO. (PA)

A dispute was filed with Chase ( Chase Sapphire Reserve credit card ) on XX/XX/2020. The dispute was due to a travel cancellation by a travel merchant via e-mail on XX/XX/2020, prior to any travel restrictions or closed borders. This e-mail from the merchant states " rest assured you will get a full refund ''. Although I received a partial refund, a full refund was not received, thus my dispute in the amount of {$2700.00}, for services not received. After attempting to resolve this with the travel merchant with no success, the dispute was filed. Travel insurance claim was submitted for the XX/XX/2020, cancellation e-mail, and was refused. Travel insurance claim was submitted for a second time, using the " formal '' cancellation letter provided by the travel merchant dated XX/XX/2020, and was refused. ( I suspect the second letter was sent to forge the date of trip cancellation from XX/XX/2020, to XX/XX/2020, for insurance purposes. ) Chase Sapphire accepted this dispute on XX/XX/2020 and, despite five phone calls to them, the dispute is still pending, after 122 days. During this time, no one has contacted me to ask for additional information. On several phone calls, I have offered to provide backup detail to clarify details, but I was told if they needed it, they would contact me. No one has contacted me. The consistent inability to answer my questions and update me has been stunning, as well as my concern that no one wants any backup data as to why I filed this dispute. 

According to the Fair Credit Billing Act, the credit card company must investigate and report back to me in writing within two complete billing cycles or within 90 days. If the credit card company does not follow the law, they must cancel the charge.
Consumer complaint received 2020-07-28
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. (NJ)

On aboutXX/XX/2019, I pulled my credit report and found out multiple accounts that did not belong to me, knowing this I filed a Police report regarding Identity Theft issue and started disputing the incorrect information. I have been disputing wrong information on my credit report for about 1 YEAR. As of today 's date, a new collection account just showed up on my credit report, account that was not there before and actually never been there. 

That account definitely does not belong to me.
Consumer complaint received 2022-02-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: American Accounts & Advisers, Inc. (WI)

In XXXX I noticed a negative mark on my credit report from this company. The original creditor was listed as XXXX XXXXXXXXXXXX XXXX XXXX a medical provider. I already paid them directly. I sent a letter to XXXX  with a copy of the check XXXX XXXX XXXX XXXX cashed. I didn't hear anything else. The mark on my reports was marked as PAID, even though I paid the original creditor. They didn't remove the entire file. 

Today I received an alert from XXXX that XXXX  re-opened the previously closed ( PAID ) account and added a new {$36.00} charge. I have not received any bill or letter from XXXX  OR XXXX XXXX XXXX XXXX. I have previously disputed the validity of this debt. They are in clear violation of the FCRA. I have requested that this mark be removed from my credit report.
Consumer complaint received 2022-02-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ive had unauthorized and unknown hard and soft pulls on all three of the major bureaus. Ive opted out of the third party vendors ( XXXX XXXX ), but continue to receive unsolicited mail and emails. Ive tried to dispute several incorrect and non related items on all three of my reports, with some information not being removed and some being verified without any explanation, for example, my name being spelled different or having my first name as my last name as well.
Consumer complaint received 2021-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (IL)

I request for my loan to be discharged based on the unfair practices of Navient Education Services.

I question the balance of the loan. Its unthinkable that the balance has been decreased only about {$2000.00} in the 16 years of the loan origination. Clearly, the payments I made were not applied properly to the principal balance. I want the loan to be discharged.
Consumer complaint received 2022-08-26
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. (IL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Consumer complaint received 2020-07-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX I was served papers saying I was being sued by XXXX XXXX XXXX in the justice court precinct 4 XXXX county texas On XX/XX/XXXX I appeard in precint XXXX court and meet with Judge XXXX, XXXX XXXX XXXX representing attorney XXXX XXXX. We agreed to a one time lumpo sum payment to settle the case of {$2000.00}. The {$2000.00} was paid on XX/XX/XXXX and notification via email was sent to XXXX XXXX. Again, The {$2000.00} was to pay the case in full. 
On XX/XX/XXXX I reached out to the XXXX XXXX law firm XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX and asked why I havent seen an update in my credit report, they verivied they received payment in full and that I would have to contact XXXX XXXX XXXX. I then reached out to XXXX XXXX XXXX and they verified that they received the payment and that my credit report would be updated as they are still reporting that I owe them the remaining balance of {$710.00} I waited and watched for 6 months for my credit report to update with accurate information. I called XXXX XXXX XXXX on XX/XX/XXXX and they informed me that they needed more time to update the credit report with accurate information. I also have emails trail with attorney agreeing to settlement and notification that I paid the {$2000.00}. 

I believe they have had enough time to do their reporting correctly and accurately. The collection agency should report XXXX balance and settlement reached.
Consumer complaint received 2021-11-09
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. (CA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XX/XX/2021
Consumer complaint received 2021-06-10
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: Experian Information Solutions Inc. (TX)

On my Experian credit report there is a bankruptcy that states that the information was given but the XXXX XXXX in XXXX Texas. When I spoke to the clerks office they said that they don't report anything to the credit bureaus, even provided a letter to support what they said. When I call Experian again they laughed and said the information was obtained through XXXX XXXX and so I submitter a claim stating that the information is not accrete because they are saying the information was obtained from XXXX XXXX XXXX. When they completed the review they said the information was verified, but they did not get the information from where they are reporting they got it from.
Consumer complaint received 2021-06-10
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (VA)

2nd Request - Noticeable 8 USC 1324C recognized : Consolidated Loan APPROVED in XX/XX/XXXX ... amount $ XXXX 14.54 % interest rate. However, NFCU 's calculation of 14.54 % interest rate is more of a 32.33 % interest rate. Total amount borrowed = {XXXX}. Monetary dollars PAID toward Consolidated Loan AS of this date, XX/XX/XXXX TOTAL {XXXX} [ XXXX XXXX XXXX ]. NFCU 'S fraudulent monetary dollar amount remaining to the PAID = XXXX}. HOW? A 14.54 % interest loan? Please REQUEST of NFCU to correct their 8 USC 1324c - Penalties for False Documents,, i.e., NFCU overcharged amortization. 

{XXXX} - {XXXX} = {XXXX} XXXX w/out added interest ) .... But, NFCU calculation reads {XXXX}. 

Please calculate@ 14.54 % interest to be {XXXX} ... NOT ... NOT {XXXX} [ per Promissory Note ]. Once recognized and calculated, NFCU was informed ; in turn, NFCU should have CORRECTED their error in calculations. 

I, XXXX XXXX XXXX, XXXX, should NOT be adding monetary dollars to someone else 's future college loan or savings account. Thanks to ALL in advance. 

Best Regards, XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recoveries, Inc. (TX)

National Recoveries , INC. is the collection agency assigned to my defaulted Fed Student Loan accounts. My XX/XX/XXXX tax refund was offset to the amount of {$2000.00}. When I contacted National Recoveries, INC. on XX/XX/XXXX, they advised me to contact the " XXXX XXXX XXXX '' with the US Department of Education so that I could request a return of my tax refund. On that same day, XX/XX/XXXX, I requested a " hardship packet '' be sent to me because I am facing an eviction, have been served a " notice to vacate '' and according to their requirements stated to me over the phone, would unofficially pre-qualify to get my tax refund returned to me.

It is now XX/XX/XXXX  and I have yet to receive the hardship packet.

I was told that if I did not receive the hardship packet by today, the issue would be escalated but I have no proof or have received no correspondence that that has happened. I have eaten a minimal amount of food and have fallen further into financial trouble. The " XXXX XXXX XXXX '' is really a contracted company called XXXX, and each employee I spoke with over they phone misrepresented themselves as Department of Education employees. Those XXXX   employees are XXXX ( Employee ID : XXXX XXXX ), XXXX ( Employee ID : XXXX XXXX ), XXXX ( XXXX XXXX ), XXXX ( XXXX XXXX   ) and XXXX ( XXXX XXXX  ). All of these employees also stated my current balance at greater than {$23000.00}, which is incorrect.

Also, the website ( myeddebt.ed.gov ), the " XXXX XXXX XXXX XXXX '' website, was offline until today. XX/XX/XXXX.

The XXXX XXXX XXXX also misinformed me about a contact email address. They stated that there was none however, an Official US Department of Education employee names XXXX XXXX, who is a business analyst with the call oversight team, provided me with an email address for them. It is XXXX.

I have made numerous requests, numerous phone calls and have wasted hours of my life trying to compromise with National Recoveries , Inc. and the department they referred me to on XX/XX/XXXX, the " XXXX XXXX XXXX '' or XXXX located at XXXX XXXX XXXX, XXXX, TX. They have intentionally drawn out this process and also, have not had a complaint official or any US Department of Education employee on their site. I asked to speak with one and they only provided me with XXXX  contracted employees.
Consumer complaint received 2018-05-04
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NC)

Approximate two and a half to three years ago we inadvertently submitted a mortgage payment late ; I believe it was XX/XX/2015. We were never notified that this payment was late. In fact, we didn't know until our homeowner 's insurance was canceled because OCWEN Loan servicing never released the escrow payment to them. This wasn't until almost a year later. So, in that time we had no homeowners insurance on our home, nor did we know that there had been a late payment. Every time we talked to someone it was a different person and we could never get a straight answer. We were put in touch with a " relationship manager '' who we could never reach because we had to have an appointment and we never could seem to connect with them. Eventually we contacted someone from the North Carolina Foreclosure Prevention Fund and  they started the process of assisting us with a loan modification. That was six months ago. 

For the last six months we have been getting the run around. Every time we get someone on the phone with OCWEN they have no idea what is going on and will not put us in touch with the proper party. Every time we try to get in touch with our " Relationship Manager '' they are not available or they tell us they are working on it. We have submitted numerous documents, jumped through every hoop and just yesterday they told us that because it has taken so long, we now have to redo section 4 of their paperwork, meanwhile for the last 3 years my credit score has been dropping and there is no end in sight. 

I have submitted everything they asked for and still it is not enough. Four times in the last several weeks I have had to get letters and printouts from my job about my salary and each time they ask for another piece of information that can simply be gleaned from the information already provided. We feel this is a deliberate attempt on their part. Again, because of their foot dragging the paperwork has expired and we have to start all over again. We really need this to be done. It is putting a huge burden on my marriage and we are in financial limbo because we can not even begin to repair our credit until this is done. 

We would also very much like to have them drop the PMI because they are going by the original appraised value of the home from 10 years ago. A truer picture of our home 's value would put us far beyond 20 % equity. Please help us end this nightmare that we entered through no real fault of our own. We desperately want this to end so we can refinance and get away from this horrible company. We are also filing a complaint with HUD and possibly the Attorney General.
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

This Company CCS COLLECTION Is Not Licensed & Bonded In The State Of Georgia To Collect Any Alleged Debt From Me This Is Against The Law. This Account Needs To Be Removed From My Credit Report Or I Will Have No Choice But To Pursue Further Action On This Violation. 

I've Contacted The Debt Collector An Asked For Proof Of The Alleged Debt Specifically The Alleged Original Application Bearing My Liquid Signature & They Have Not Been Able To Provide Such Proof To Me Therefore You Are Reporting Misleading & False Accounts. Under 15 U.S. Code 1692d- Harassment And Abuse I Have Been Harassed And I Now Have Trauma & This Account is In Violation. Under 15 U.S.C 1681i ( 7 ) Method Of Verification This Account Is In Violation It Was Reported Without Valid Evidence. 

1.Pursuant to 15 U.S. Code 1692c ( c ) I a consumer in fact am hereby notifying you CCS COLLECTIONS that I refuse to pay the alleged debt you are claiming I owe, and I DEMAND you cease & desist all further communication in compliance with this law ; 2. Take further notice that Pursuant to 15 U.S. Code 1692c ( c ) ( 2 ) I the consumer and creditor in fact am invoking the specified remedies available in this subchapter if you attempt to communicate, collect, and report to the bureaus false and misleading information ;
Consumer complaint received 2022-02-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Perry Law Office, P.C. (IL)

In XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, by way of their attorney XXXX XXXX XXXX XXXX., attorney XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, filed a small claims case against me. At that time, my name was XXXX XXXX. I have since married and my name is now XXXX XXXX. The case number is XXXX out of the Small Claims Division of XXXX XXXX, XXXX  XXXX city oXXXX XXXX XXXX ). XXXX XXXX claims to have served me by way of the Sheriff in XXXX at an XXXX  address that I never lived at and don't recognize. I moved from XXXX  to XXXX, XXXX  in XXXX and lived in XXXX  until XXXX, when I moved to XXXX, XXXX. See attached law school transcripts, which show that I was a full-time law student in XXXX, XXXX  from XXXX to XXXX. 

Recently, I saw on the court 's electronic docket that attorney XXXX sent garnishment interrogatories to my employer ( attached below ). Attorney XXXX has never registered the judgment in XXXX XXXX ( XXXX  ) and presumably knows ( or should know as he has been licensed since XXXX ) that the judgment is not enforceable here until it's domesticated. He is attempting to secure confidential and sensitive information about me to which he is not entitled.The only reason for sending the interrogatories to my employer would be to harrass and embarrass me, as he can't collect based on any info he gathers. Further, the interrogatories were allegedly mailed to me at a very old address in XXXX  rather my current address in XXXX, which attorney XXXX has as he has sent correspondence to me at this address before. How could I work in XXXX  yet live in XXXX  at the same time? It doesn't take a lawyer to figure out that doesn't make sense.
Consumer complaint received 2021-04-13
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. (PA)

FDCPA 1692e misleading false reporting how can you validate/verify from the same source and have the last reported date and last actives date different on two different bureaus things are reporting inaccurately on my credit report I sent a certified letter to XXXX credit bureau 2 months ago and got no response here is my tracking number to prove they received it.
Consumer complaint received 2018-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (GA)

On XX/XX/2017, this debt for $ XXXXappeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2018-05-04
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: Riverwalk Financial Corporation (CA)

On XX/XX/18 I was alerted to a change in my credit score, and that I now have two collection accounts showing on my credit by a company called XXXX XXXX XXXX ( XXXX XXXX XXXX. XXXX TX XXXX. ( XXXX ) XXXX ). These accounts are current, and not delinquent or in default in any way. 

The accounts in question are paid and serviced through a company called XXXX XXXX. 
I contacted XXXX, and they instructed me to contact XXXX XXXX, claiming that XXXX is reporting the status of the debt to them erroneously. After speaking with XXXX, it was clear to me that XXXX can not do anything about the reporting of the account, and that they had been dealing with calls all day from other clients regarding this same issue. XXXX is the company reporting to the credit agencies, so they have to fix the problem. 

According to the management at XXXX, XXXX is a collections agency, as well as a company that apparently owns debt that is current. However, because they are a collections agency, when they report debt that they own, it shows up as a collections account. Obviously, this can not continue. Further attempts to contact XXXX for resolution have gone nowhere.
Consumer complaint received 2022-02-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (GA)

The investigation into ( Account info Account name XXXX XXXX Account numberXXXX ) took more than 4 months. I have the right to an investigation into the accuracy of this account. 

The notice was sent by mail XX/XX/XXXX of XXXX. Misplacing this notice is not an excuse. 

verifying information from a 3rd party is not an investigation! I have the right to a proper investigation into this account. I need signed documents, and all accounting transactions in my name!