davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.
Consumer complaint received 2022-12-02
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. (GA)

I received an investigation result from Transunion. The file number XXXX. Transunion is deliberately breaking Federal Law while reporting false and inaccurate information on my consumer report. Federal Law says in 15 USC 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Transunion is reporting this false information. Transunion is in violation of reporting this charge off on my consumer report when in fact Pursuant to 15 USC 1681c ( a ) an account placed for charge to profit and loss is considered income for the consumer. Where is my 1099? Consumer has not received a 1099 so that I may file this charge off as income? This account will be rectified or I will be filing a form 3949-A of this fraud with the Federal Trade Commission and Office of Tax and Revenue concerning the tax fraud and both company and Transunion will be held liable. Your institution will update my account as paid in full and remove any derogatory remarks.
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

Tried to resolve this debt right after it was given to me. I am a XXXX Veteran and this debtor has not received payment from the Veterans Affairs for whatever reason. I gave the original debt collector the payment info but they continued to reach out to me. Now a US Appeals Judge has ruled in XXXX XXXX XXXX that the VA is indeed responsible for these debts at NON-VA emergency rooms etc. This debt collector needs to take this up with the VA.
Consumer complaint received 2024-03-28
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (OH)

We have large purchase payment plans setup with two credit cards we have with Chase. The stated interest rate is zero 0 % however on two of the payment plans, there are monthly fees assessed. We made larger principle payments on both cards with the intention of paying off those plans that had monthly fees assessed whereas leave the other zero percent plans that do not have monthly fees assessed with their balances. When we made the payments, Chase did not apply the payoffs to those plans with a fee as we intended so I called them to adjust those payments accordingly. They told me that it only applies the excess payments to the higher interest rate ( all of them are at zero % ) and then after that, it pays them down in chronological order. I complained that the ones with the fees applied is what we wanted to payoff and they said they could not adjust the payment to pay those off first. They said it was disclosed that way but I said that when any fees are applied, then that affects my effective rate and that those should be applied first if all were zero % and not in chronological order. To me this is adhering to their disclosure but their payment system is not compliant to Truth in Lending Act regulations. The Truth in Lending Act ( TILA ) requires creditors to allocate payments in a way that is most beneficial to the consumer. Since the zero-rate balances with fees have additional charges attached to them, those fees should be treated as finance charges. Under TILA, it would be appropriate to prioritize paying off these balances first to minimize the overall finance charges and interest accrued by the consumer. The fact that Chase says they payoff balances in chronological order and do not factor in balances that generate fees first is a violation of TILA. Please dont just close this complaint just on the fact that Chase replied back to me. Please research this to determine if this is in fact a violation of TILA!
Consumer complaint received 2019-07-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC. (FL)

Suntrust is making it very difficult for a consumer to remove the escrows from their mortgage. 
The department who handles the escrows is a phantom department you can only communicate with via fax. They say it takes 2 weeks for someone to contact you. No-one ever does. One has to call back to get answers. 
The big issues is they will only remove escrow once the loan to value ratio of the property is 80 % but the value they use is the price of the home when it was first purchased which is not representative of the current value of the home now given market appreciation. This does not make any sense, if the home values where lower than when one first bought the home I bet they would not do the calculations based on the purchase price of the home. 
I am pretty sure this is a violation of consumer rights and protection laws. 
This even applies to consumers who want to have their PMI 's removed. In that case the consumer would be tied to the PMI until their loan is actually 80 % of the value of the home which given real estate market fluctuations this could very well play out to the detriment of the consumer who may not be able to remove their PMI 's for a very long time. 
They are clearly manipulating the law and using the rules to their convenience and controlling our money in their escrow accounts. If they are making it difficult for consumers to remove their escrows in good financial times with a healthy real estate market, they can cause home owners to lose their homes during harsh economic times because they are tying the escrows to the mortgage and not allowing the homeowners to remove them.
Consumer complaint received 2016-02-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EQUIFAX, INC. (GA)

XXXX XXXX XXXX has reported to the credit bureaus I was late 120-180 days mortgage payments for each XX/XX/XXXX-XX/XX/XXXX. Contacted them and they asked for bank records that dispute their reporting. I provided it XXXX/XXXX/XXXX and they responded that they were not going to change their reported although the bank records indicated I was on time and actually a month ahead by mid XXXX. They suggested we take it up with the credit agencies. This has not only impacted my credit score buy my ability to secure another home. Currently trying to contact XXXX, Equifax , and XXXX to mitigate the negative situation. Numerous attempts with XXXX failed to achieve any resolution. Will never do business with them again.
Consumer complaint received 2021-03-09
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: Verisk Analytics Inc (MT)

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-01-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (AL)

I have no recollection of this credit inquiry. Nor do I have an account with this company. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX This company DEFINITELY can not produce any documentation or signatures where I have applied for any credit them. I need this inquiry removed. Equifax never attempted to investigate the dispute. They deemed the inquiry valid without investigation.
Consumer complaint received 2022-01-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have previously written letters to notify you ( XXXX XXXX ) ( XXXX ) ( XXXX ) ( Trans Union ) of the innaccurate and unvalidated information. I recently received a copy of my ( XXXX, XXXX, Trans Union ) consumer reports, and I noticed accounts reporting that are a violation of my rights. AS A FEDERALLY PROTECTED CONSUMER ; AS MY CONSUMER REMEDY FOR THESE WILLFUL AND NON-COMPLIANT VIOLATIONS. I DEMAND THESE ACCOUNTS BE DELETED FROM MY CONSUMER REPORT IMMEDIATELY. XXXX XXXX Acct # XXXX Consumer Reports Reporting as Closed Account Pursuant to 15 USC 1681 a ( 2 ) ( B ) Any XXXX authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be Excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( 1 ) which states, The term Credit Card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. Notice '', Congress said ANY card. The credit card is my Social Security Card. This is the credit card used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you delete these transactions from my consumer report immediately as they are a violation of my rights as a federally protected consumer under Title 15 Chapter 41.
Consumer complaint received 2022-12-15
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

The alleged bank representative with chase fraud with actually legitimate chase phone number called about a fraudulent wire transfer on my account and the instructions given to me actually had me wire the alleged XXXX the money. My entire bank account amount XXXX. I called the number back. It was really the chase number and they told me they did not call. I went to the bank to try to stop it and they just changed my account number and reported it. 
2 days later I had a police report but chase denied my claim of fraud. 
They then sent me a letter to reopen the case and on XXXX. XXXX I called them and they closed it again and told me I have to pursue my money on my own. That was my retirement check and my child 's money and now I have none. I have XXXX XXXX My bills and mortgage are due and I'm having trouble finding a lawyer that deals with these incidents as I'm not a XXXX  yet.
Consumer complaint received 2022-12-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BARCLAYS BANK DELAWARE (IL)

I received a letter from Barclays. located at XXXX XXXX XXXX XXXX. XXXX, DE XXXX and phone number XXXX XXXX XXXX. Regarding XXXX XXXX XXXX  XXXX. when I called to informed them that I received a letter from them staying that my address on my card has been updated. When I called the XXXX XXXX XXXX  XXXX Barclays 's phone number. Customer service transferred me to Security Department at XXXX XXXX XXXX and XXXX transferred me to the Extremily High Department at XXXX XXXX XXXX. The operator ID XXXX, XXXX, asked me about my name, date of birth and social security number. Because I didn't provide all my information, he was not able to help.when I asked about the Extremely High Department address, XXXX mention that this place did not have an address and it was fraud.
Consumer complaint received 2019-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

LVNV is continuing to report inaccurate accounts to my credit file. They are in complete violation. Not only has LVNV failed to notify me to let me know there was an alleged debt and it will be reported to credit agencies. They were informed that I am a victim of identity theft and this account is a result of identity theft yet they still failed to do an investigation. LVNV has no legal documents bearing my signature and I have never had any business dealings with them nor the company they represent. Yet they are reporting 2 accounts on my credit file in the amount of {$1800.00} and in the amount of {$980.00} of which both needs to be removed.
Consumer complaint received 2019-05-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MS)

I received a letter from Phoenix Financial Services on XX/XX/2019 about an alleged debt. The alleged debt was in the amount of {$500.00}. The original creditor is XXXX XXXX XXXX XXXX. The current creditor is XXXX XXXX XXXX. I responded to PFS via letter requesting verification of the alleged debt. My letter was mail to PFS on XX/XX/2019. I received a response from Phoenix Financial Services on XX/XX/2019. The response did not include sufficient verification of the alleged debt. Also the response was outside of the 30 day response window.
Consumer complaint received 2019-10-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial Services was made aware that the account that their company held under my social security number with an account in the amount of {$1800.00} were a result of identity theft and did not belong to me. Phoenix Financial can't verify this account as mine and has no legal document bearing my signature. Phoenix Financial Service did not send me a letter notifying me that this account was owed and was being reported to the credit agencies. Phoenix is continuing to report inaccurate information onto my credit file. Not only that how can Phoenix Financial verify anything medical with a credit agency being that I have never signed HIPPA form authorizing them to have access to any of my patient information.
Consumer complaint received 2019-10-15
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. (CA)

Equifax is depicting XXXX/XXXX XXXX, ACCOUNT NUMBER XXXX ON THEIR BUREAU REPORT. 
ON XX/XX/2019 I SENT IN A DISPUTE BY MAIL.THE ACCOUNT WAS NOT INVESTIGATED OR PUT UNDER DISPUTE.THERFOR I SUBMIT THE FOLLOWIN : THIS ACCOUNT WAS ESTABLISHED GIVING CREDIT TO PURCHASE MERCHANDISE, A RING.THE ORIGINAL AMOUNT WAS OVER $ 3000.AFTER PAYING ABOUT {$1000.00} IN PAYMENTS I FOUND OUT THE REAL VALUE OF THE MERCHANDISE ... .NOT DUE TO DEVALUATION OF GOLD OR DIAMONDS THE RING IS NOT WORTH {$300.00} DUE TO POOR QUALITY.I QUIT MAKING PAYMENTS AND GAVE UP TRYING TO SELL THE MERCHANDISE.I FOUND THAT IN CALIFORNIA WE HAVE IMPLIED WARRANTY LAWS THAT ARE NOT DEFEATED BY CONTRACT DISCLAIMER.THE RING DID NOT HAVE ANYWHERE CLOSE TO THE VALUE STATED AT PURCHASE.I WAS DEFRAUDED BY THE MERCHANT CREDITOR AT PURCHASE ... ... ... ... .DELETE FROM MY REPORT.
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Forest Recovery Services LLC (FL)

I paid a debt with XXXX XXXX XXXX XXXX in 2018 in the amount of {$220.00}. XXXX XXXX XXXX XXXX verified and sent verification of payment to all 3 bureau 's. XXXX and XXXX honored my dispute. When I went to XXXX to dispute the report, XXXX denied my request on more then 4 different disputes. In fact they replied that the report was in fact my debt. They did not verify or investigate my payment which is paid in full. I also was denied other credit opportunities because of a wrongful accusation. Please reach out to XXXX XXXX XXXX or contact me for any more details I would really appreciate your help. Thank you
Consumer complaint received 2019-10-15
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (TX)

Paypal has been the absolute worse company I have ever had the pleasure of doing business with. I used paypal as a payment processor from selling on XXXX. They arbitrarily closed my account while I had active shipments and payments and are holding my money for 180days. This has caused me to suffer monetary loses as I only sell personal things. They also removed money out of my account while its was closed to pay someones elses debt which I did not or could not authorize! On top of that they have taken their fees and are getting interest from my money
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

Union Bank is reporting a overdraft account that was taking care of, there should be no overdraft reported on my XXXX, the date reported is incorrect, i did not have an account with union bank in XX/XX/2018. please remove this from my account.
Consumer complaint received 2019-10-15
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: Resurgent Capital Services L.P. (MD)

I spoke with XXXX from the company on XX/XX/19 on a collection item with the amount they claim I owe of XXXX reported on my credit file ask for validation and licensing to collect in my state a havent received anything.
Consumer complaint received 2019-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have contacted Equifax multiple times and sent the requested documents to them. For years they lie about not being able to locate my credit profile. Which is complete nonsense, its impossible to get them on the phone!!
Consumer complaint received 2019-10-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Mgt calls my place of employment daily. They've called my place of employment : XX/XX/XXXX at XXXX XXXX pst XX/XX/XXXX at XXXX XXXX PST XX/XX/XXXX at XXXX XXXX PST
Consumer complaint received 2019-10-15
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: CITIBANK, N.A. (FL)

On XXXX The Company Macys was Contacted in Question to a hard inquiry I summited information by fax and the company never responded to the Inquire XX/XX/2018 2018
Consumer complaint received 2019-10-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Associated Credit Services, Inc. (MA)

Associated credit services is claiming that I owe them {$940.00}, since they say that I owe them this amount, I want to see the original contract bearing my signature. This is not a refusal to pay but I want to see proof that this debt belongs to me, the FCRA allows me by law to ask for this proof, if this proof cant be provided to me, then I want this account closed and deleted. I dont want a breakdown of any payments made or any account statements, that is not enough to validate this debt. I dont recall owing any money to this or any other company, if I ever signed a contract with Associated credit services where I agreed to pay them this amount of money then I would also like them to provide it to me.
Consumer complaint received 2024-03-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

This morning I received XXXX emails from USAA stating my account access had been limited. When I called in, I was told that I triggered fraud due to transferring funds in high velocity. 

They have a {$5000.00} transfer limit for day and I needed to pay off their home equity loan with another XXXX XXXX by this XXXX. ( I have documentation and all. 

Im ok with limiting access - where this is causing an issue is that they have blocked my elderly parents account and debit cards- they were told it could take 10 days for resolution. My mom is in the emergency room as we speak over the XXXX- they have told us both that there is nothing they can do. Who can survive 10 days when they are already on a fixed income? 

Just feels unlawful. 

Desperate for assistance for them.