davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

I am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from XXXX XXXX. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. 

Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had XXXX XXXX
Consumer complaint received 2019-03-30
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc (FL)

Hi .... My name is XXXX XXXX. On XX/XX/XXXX, my employer had to send my pay thru XXXX. They had left town and forgot to give me my check. So, therefore I opened a XXXX account. I was told that I could transfer funds instantly to my bank account. Unfortunately my bank was not supported by XXXX. So, I set up my boyfriend ( XXXX XXXX ) a XXXX account, transferred funds to his XXXX  account. Which i was not able to transfer the {$2000.00} balance I had. I was only allowed to tranfer {$290.00} .He tried giving them his debit card information for an instant tranfer and was declined, although XXXX approved his bank to do so. So we went the other route of doing a checking transfer and funds would be in his banking account in 1 - 3 days. His transfer was accepted by XXXX. He received an email from XXXX   on XX/XX/XXXX stating that his account was frozen due to suspicious activity and I also received the same email. Needless to say we didn't receive that money til the XXXX. On XX/XX/XXXX I tranfered {$700.00} ( that was all I was allowed to transfer ) to a friend of mine ( XXXX XXXX ) who had a XXXX  issued debit card. The money transferred successfully. Went to withdraw money from ATM and transaction was declined. So XXXX XXXX called XXXX and they stated that it happens sometimes and to try again. And if that didn't work to go to a store And make a purchase and request cash back. Tried ATM again with no success. So went to XXXX   XXXX made a purchase and it was accepted but was only able to get {$40.00} cash back. After that went to get gas with the same XXXX card that was used was once again declined. I ( XXXX XXXX ) still have {$1000.00} in my XXXX  account that I can not access. I can not even transfer it to my boyfriend 's ( XXXX XXXX ) XXXX  account because now ( on XX/XX/XXXX ) they say his account was deleted on XX/XX/XXXX. Not sure how that is possible because I transferred the {$290.00} in his account XX/XX/XXXX. And by the way, you can't speak to anyone that can give u answers. You are told that You would have to E-MAIL customer support. So pretty much XXXX  still has a big amount of money ( 7 days later ) that I worked hard for, cleaning a fraternity on XXXX campus. And their customer support is not available on the weekend. So it could be Monday or Tuesday before I get a reply. Bottom line, this so called company should not be able to keep my money and tell me I have a weekly spending/transfer limit. I earned that money and should be able to spend it how and when i like.
Consumer complaint received 2021-06-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Transunion continues to publish collections on my credit profile that arent mine. I sent them a dispute letter over thirty days ago and they have not responded. Also from what ive read they can not furnish items on the consumer report without the written consent of the consumer. 15 usc 1681 ( b ) ( 2 ) 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX  XX/XX/XXXX
Consumer complaint received 2019-03-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (CA)

I had an account with American Express Serve. 

On XX/XX/2018 I tried to log into my account and it said there was no account with that name. I called the company and it went to a recording stating I should receive an email with information on my account and that it was closed. I still get that recording if I call. 

The email says " During our recent review of your American Express Serve Account, we identified Account activity that we believe violates the terms of the Serve Consumer User Agreement. 
As a result of such activity, and pursuant to Section 15 ( d ) of the Serve Consumer User Agreement, your Account and your Account privileges have been permanently suspended. 
If you have any questions or would like to inquire further, you may write to us at the following address : Serve Customer Care XXXX. XXXX XXXX XXXX, GA XXXX Thanks, '' I immediately sent them a letter regular mail asking them for my balance of aprox {$2400.00} be sent to account address and any other information as to why they closed my account. I didn't get any response. I cant get through on the phone to anyone because they have a block on my number. 

On XX/XX/2018 I sent a certified letter " Dear Customer Care, You recently closed my account, more importantly I had a balance of aprox {$2400.00} and I havent received any information as to when or how I am supposed to get it from you. Please send a check immediately to my account address or send me information how to collect my money. It has been 11 days and I havent received anything in the mail with an explanation or the balance when you closed it. 
Please send any information on why my account was closed to the address below. 
Please send the balance of my account to '' I haven't got any reply. 

I don't have any idea of how I violated their terms and at this point I don't care how. I just want the balance of my account or information as to why they still have not sent me my money. It is right around {$2400.00} or more that they have kept for months with no explanation. 

I would like American Express to send me the balance of my account when they closed it.
Consumer complaint received 2019-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MIDFIRST BANK (SC)

I am disputing the negative credit reporting to my credit report. I have worked hard to not have any negative credit reporting from Midland Mortgage. A stop payment was put on my account by my bank XXXX XXXX that I did not authorize. I paid my mortgage before it was 30 days late. When the payment was returned because of the stop payment. The bank realized that the stop payment was not authorized and removed it. I sent the payment the next day and it was paid. I sent my mortgage company a copy of an email from the bank saying that the stop paid was not authorize and removed. I asked the mortgage company to remove the negative reporting from my credit report because this was not my fault. 

Also, I have negative reporting status while I was under a modification plan. I do not feel that I should still be reported 120 or later while I was completing a modification plan. I was out of work 13 weeks and was late on my account. I had XXXX XXXX.
Consumer complaint received 2018-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In spite of efforts on my part, XXXX XXXX/XXXX is still showing ERRONEOUS derogatory information. In XX/XX/XXXX, I financed the purchase of an automobile through XXXX XXXX. In XX/XX/XXXX, XXXX XXXX sold the loan to XXXX. My bank records show my payments to XXXX XXXX and later to XXXX were never late. The debt was paid in full as agreed and I received the title to the automobile. Moreover, the loan was never part of a Chapter XXXX Wage Earner Plan and I have submitted copy of the court records to support this statement. Hitherto, XXXX XXXX, a service of XXXX provided by Transunion has not removed the information. On three occasions, I notified Transunion and XXXX to correct the situation. As of XX/XX/XXXX, XXXX XXXX/Transunion is still listing information affecting my reputation and ability to obtain a credit card at an acceptable : i, e : Delinquent Account Alert Type : Delinquent Account Processed Date : XX/XX/XXXX Account number : XXXX Creditor 's Name : XXXX Type of Industry : Miscellaneous Finance Companies Address : XXXX XXXX XXXX , XXXX XXXX , MO XXXX Payment Status : Wage Earner Plan Creditor 's Preferred Contact Method : Other Consumer Statement : Dispute resolved ; customer disagrees
Consumer complaint received 2020-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

I'll sue for the following if not removed.

1 ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
Consumer complaint received 2018-09-13
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. (NY)

Hello i sent multiple letters out to XXXX and transunion about these inquires on my report but noone has gotten back to me yet on my transunion account i have 4 inquires and on XXXX i have XXXX thats outrageous i calles and i comtacted the creditor and nobody is trying to help me out with this issue. I contacted them 30 days ago with 20 letters asking them to delete these inquires because they were unauthorized. Theres inquires going back from XX/XX/2016 and i have no idea what they are.
Consumer complaint received 2022-10-08
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: Mortgage Research Center, LLC (MI)

XXXX VETERANS UNITED HOME has ran my credit several times without my consent. on XX/XX/2022 XX/XX/2022 XX/XX/2022.
Consumer complaint received 2022-03-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Financial Recovery Services, Inc. (NY)

Started receiving calls from phone number XXXX Caller ID XXXX XXXX on XX/XX/2022 at XXXX, XXXX, XXXX & today at XXXX, & XXXX XXXX The caller each time was a man 's voice telling me that they are trying to collect a XXXX credit card debt in the amount of {$18.00}?? XXXX. When I try to explain that the debt has been resolved, I'm told that they are taking me to court and I can explain it to a judge. They are rude and talk over me and threaten to have a lien put on my income or bank account. As I try to inform them that I am on XXXX and the account has been satisfied. I'm told by one caller, " I better get my money back because I am going to court '', the other caller, '' It doesn't matter what i say because I'm being sued, and I can tell it to a judge, good luck in court, then the call is abruptly ended. 

I tied to research the company and discovered there is no such collection company by that name and that the number is a cell phone number without any identifying contact. The number does come up as a medium risk on my caller ID, however, I have received call ID as a risk, and they were legit. I therefore was and am concerned about receiving a call from anyone purposefully trying to fraudulently scam me or any other XXXX  XXXX person. 

Please look into this matter and put a stop to these frauds who seek to take advantage of vulnerable citizens. Something that eventually made me suspicious of this caller was one of the callers told me that XXXX no loner exist, which is completely a lie. XXXX does in fact exist and their XXXX credit card division was sold to XXXX XXXX whom I settled the final part of my debt with.
Consumer complaint received 2022-03-08
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: AMERICAN EXPRESS COMPANY (TX)

A charge was placed on my credit card for bringing my service animal to a rental property. The rental company XXXX XXXX XXXX XXXX XXXX stated they have a strict no pets policy and they do not care if I have a service animal. Since this is illegal and in violation of the ADA title II & III I disputed it with American Express. American Express has stated that the rental companies policy supersedes the federal law. This is a class b misdemeanor in Texas as well as federal law. I did not authorize the charge and I can not agree to terms of any contract that are illegal. Again this is not a pet or an emotional support animal it is a service animal it and I are both legally protected from receiving charges for my animals presence.
Consumer complaint received 2019-03-29
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Paypal Holdings, Inc (IN)

Paypal gave via the attached email a Notice of Levy on XX/XX/2018 from XXXX XXXX with the Internal Revenue Service. On the notice was the phone number XXXX. After calling the number I found that it was a promotional line and a scam I have requested by registered mail that PayPal 's legal department to send me a copy of the Notice of Levy, ( which is not a levy ) and they have failed to do the same. Besides a Notice of Levy not being a lawful levy,. this is a scam in which Paypal has refused to communicate about it nor will they send the paper work that justified the said levy.
Consumer complaint received 2018-09-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (VT)

This complaint is about the servicer XXXX, or actually the Department of Education for granting this outfit a contract. 

XXXX, in their otherwise very user friendly website, has no option to make any payments towards the principal. There are all kinds of repayment options except being able to pay additionally towards the principal. 

Now, why would this be? Perhaps the other repayment options available offer a clue. Indeed, they all maximize loan interest revenue. So, clearly this is a ploy to make it difficult for the consumer to get from under these loans. 

Is that the intention or in the spirit of the Education Department 's mission to get young people to obtain an education and build a life for themselves? 

Do the contract managers of the Dept of Education that  review prospective loan servicers, take that into account, in addition to 20 plus pages of other federal requirements? 

Please pressure XXXX to make this option available immediately or do not renew their contract. 

Best Regards, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-03-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Onity Group Inc. (TX)

I filed Chapter XXXX Bankruptcy in XXXX that's has been Discharged, in which I surrendered a residential property located at XXXX XXXX XXXX XXXX XXXX, WA XXXX back to Ocwen Loan Servicing LLC. Ocwen Loan Servicing refuses to remove my name from the deed of the property. So the City Tax office still have me as the owner of the property and billing me for the up keep of this property.
Consumer complaint received 2019-01-08
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Ad Astra Recovery Services Inc (FL)

This collection is from XX/XX/2012 From Ad Astra rec collection / charger off in the amount of XXXX XXXX they very unpleasant this company should not be allowed to be involved with anything they yelled at me called me a lier and treated to have me put in jail and I would really like to see if this can get removed from my credit account because it's 7 years old and I have had to change my number just to avoid there very rude and unpleasant phone calls
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have been disputing this inaccurate account information with the credit bureaus for over 3 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. I also told them NOT to call me in my certified letter and guess what they did. They started calling an d harassing me After they Signed a certified letter stating NOT to call. They are now in violation of 47 USC 227 TCPA, 15 USC 1681 FCRA s-2 and the FDCPA and the UCC 9-503.
Consumer complaint received 2022-09-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO. (TX)

I went to Chase bank to deposit a check on the XXXX of XX/XX/2022. The check was verified on XX/XX/2022. The check cleared in my account. The bank decided to close my account. Now they will not release my funds to me. They refuse to send the funds back to the issuing bank where the check came from. I have spoken to multiple people at chase customer service and in person at the actual branch. I have been told by multiple people that the check was verified and cleared. I have also spoke with the company that sent the check to me in the first place and they have also told me Chase Bank verified my check on XX/XX/XXXX through their website and cashed the check on XX/XX/XXXX. The customer service reps have been very unhelpful and rude. They refuse to give me an email to corporate or a phone number. Chase Bank is also refusing to call the company who sent the check. Chase customer service has told me plenty of times they do not have to release my funds to me or the company the funds came from. They have also informed me that they will keep my funds as long as they can! I have all the proof and documents I need to prove they will not release the funds to me. I also have proof the check has been verified, cashed and cleared by chase bank. I was able to use {$13.00} on my account when the check cleared and as soon as I tried using my card again they closed my account.
Consumer complaint received 2021-04-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Overton, Russell, Doerr and Donovan, LLP (NY)

In my capacity as CEO of XXXX XXXX , XXXX. I hired XXXX, XXXX, & XXXX to hemp with payroll and account services for XXXX XXXX XXXX XXXX. 

Unable to get monthly invoices, confirmation of fees, etc. said firm delivered a large bill for a years worth of services. 

XXXX XXXX XXXX XXXX XXXX challenged fees as excessive and an annual bill as deceptive. A dispute over charges and and fees began. 

Said Accounting firm hired debt collection law firm Overton , Russell , Doerr and Donovan , LLP to collect the debt from XXXX XXXX XXXX XXXX. Instead of just filing against the business, the law firm started collection efforts against me as an XXXX of the company ; serving me at home, sending bills and correspondence to my home and business. 

ORDD Account Number : XXXX XXXX No : XXXX I called the law firm to tell them that we are a corporation and I am not personally liable for the corporate debt. 

XXXX XXXX XXXX XXXX filed for Bankruptcy in XX/XX/2020. 

XXXX, XXXX and XXXX, XXXX was listed on XXXX Farms, bankrupcy forms and both firms are aware of XXXX 's bankruptcy, yet they continue to harass me personally for the debt. I can find no instance where this is permissible. They know I am not personally liable. They know the company is in bankruptcy, but they are unmoved by their legal and ethical responsibilities. 

I am asking that they stop trying to collect from me personally and that they reverse any damage they have done to my credit report by removing as invalid any submissions to credit reporting agencies and provide a list of any and all contacts they have made in an attempt to fraudulently collect this debt.
Consumer complaint received 2018-09-13
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)

I have been disputing this inaccurate account information with the credit bureaus for over 3 months. I also have sent a certified letter directly to the company. They never responded at all and have not corrected or removed the account. I also told them NOT to call me in my certified letter and guess what they did. They started calling an d harassing me After they Signed a certified letter stating NOT to call. They are now in violation of 47 USC 227 TCPA, 15 USC 1681 FCRA s-2 and the FDCPA and the UCC 9-503.