davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO. (CA)

In early XXXX of 2019, I signed up for the Chase XXXX credit card. They advertised a free " Companion Pass '' for the rest of 2019 when you spent {$4000.00} in the first 3 months of the card. The Companion Pass allows your designated companion to fly with you for free on XXXX. I follow-up with Chase 's Executive Office and they sent me the attached email confirming the promotion. 

By the end of XXXX, I have met all of the conditions by Chase. See the attached screenshot of my XXXX Chase statement. The balance has been completely paid off. I've sent multiple emails and have not received any written replies since the email from XXXX XXXX on XX/XX/XXXX. I've called multiple times and both Chase and XXXX state I'm not eligible for the Companion Pass reward. 

I recently received a call from Chase stating that I did not qualify for the Companion Pass. I asked them if they saw the email from Ms. XXXX from XX/XX/XXXX. They acknowledged the email but stated that I am still not entitled to the pass.
Consumer complaint received 2019-05-08
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. (CO)

I started going to XXXX in XXXX Colorado XX/XX/2013. I took out 2 loans because my financial aid wouldn't cover it all. One loan was for {$3000.00} and the other was for XXXX. The only money I received in my hand was a check for XXXX because they said that isn't the way they do things. Now on my credit report years later I have a loan for {$5500.00} with one acct number that was issued on XX/XX/13 as a student loan, and 2 direct loans with the same acct number for XXXX and XXXX, which include interest. Those 2 loans are probably the right loans. If you add the other 2 loans together, they add up to the same amount of the loan that I am unaware of. Please help me. This isn't right and to boot I have another new loan that is on my credit report from another school. How can the government just hand out student loans to people without verifying their identity?
Consumer complaint received 2019-04-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it. Yes, if it has been 30 days since the final payment resolving your account successfully posted, PRA requested the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report.
Consumer complaint received 2019-05-08
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

My issue was not listed in your previous pages so I did the best I could. The issue I'm having is with my mortgage bank. 

On XX/XX/2019 the town of XXXX experienced a devastating flood. My hotel, The XXXX XXXX, took in over 10 of water. I lost 15 rooms, my office, laundry and storage rooms as well as my tool room. My insurance adjuster came out almost immediately. No one could even get into town until XX/XX/XXXX and they were here within two or three days after. XXXX XXXX from XXXX XXXX sent us an email on XX/XX/XXXX asking for a status report on our property. Our adjusters were very thorough and helpful with our claims, of which we have 7 total. Within a month, on XX/XX/2019, four of our claims Buildings 15, 16, 17, and 18 - were signed and recorded. We had been working on clean up and demolition during the month of XXXX and XXXX. The bank requested receipts for the work and materials, which we diligently sent. 

As of today, XX/XX/2019, XXXX XXXX is holding {$86000.00} of our insurance money that we desperately need to rebuild our hotel. We had a very short time frame because we wanted and needed to be open for Memorial Weekend but their refusal to release our funds, even after we sent them all the receipts they required, has delayed our reopening. We are at a desperate time. What they are doing is impacting not only us but the tourism and economy of XXXX. XXXX XXXX holds our mortgage. They wont release our money to us but expect our mortgage to be paid. We have no income and because they wont release our funds we cant get any of our rooms going. We could have easily gotten at least four of them up and going last week had they sent us our insurance money. We are at a loss and will go bankrupt if we dont get help. Please, I beg you to look into this gross negligence.
Consumer complaint received 2021-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2023-04-07
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)

In accordance with the fair crediting reporting act .The list accounts below has violated my Federal protected consumer rights to privacy and confidential under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX # # # # # # # # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 It also states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cost to believe that the information is inaccurate
Consumer complaint received 2019-10-08
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: Clarity Services (TX)

Unfamiliar things on credit report after selling XXXX CLARITY SERVICES INC Inquired on XX/XX/2019 called couldnt verify XXXX XXXX XXXX Inquired on XX/XX/2019 no new inquiry made on account XXXX/XXXX Inquired on XX/XX/2019 couldnt verify XXXX Inquired on XX/XX/2019 no new inquiry on account XXXX XXXX Inquired on XX/XX/2019 called could not verify XXXX XXXX XXXX  Inquired on XX/XX/2019 no new inquiry XXXX XXXX Inquired on XX/XX/2019 called couldnt verify
Consumer complaint received 2019-05-08
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. (CA)

In XX/XX/XXXX my XXXX XXXX account became seriously delinquent and was charged off and sold to a debt collection agency. I was able to pay off the balance by XXXX. However, XXXX XXXX has supplied inaccurate information to the credit bureaus. The inaccurate information has included the account status as unknown when the account was closed and paid in full, missing payments, incorrect balance and the account debt clock being reset from XX/XX/XXXX to XX/XX/XXXX. I have tried disputing the incorrect information with very little success. My biggest complaint is XXXX XXXX attempt to reset the date of the account being charged off. That is illegal!
Consumer complaint received 2019-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ME)

My payments have been incorrectly calculated since at least XXXX. This is because of a myriad of problems, including but not limited to an incorrect calculation under the IDR plan. My current IDR plan was supposed to be in place for XXXX, and by their own notification I should have known the new payment by no later than XX/XX/XXXX, but I have yet to hear what the new payment will be under the new IDR plan. I have tried to contact them multiple times, but the company has never responded.
Consumer complaint received 2019-04-03
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. (NC)

reason- I contacted Experian on XX/XX/2019 to dispute inaccurate reporting items listed in my file.I do not believe it is correct. Experian sent me back a dispute result where they claimed to have verified in which Experian has not furnished any documentation whatsoever which means they are reporting false information.
Consumer complaint received 2019-10-01
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE (CA)

I have filed a complaint against Western Union.

Western Union Reference Number : XXXX I am trying to get a refund on {$3000.00}, however, no Western Union branch is willing to give the money. I went to 12 different locations including check cashing service, grocery stores. All locations denied to give out cash. 

I have sent an email to Western Union 's Executive resolution department but they are useless. I have sent an email to Western Union 's executives but to this day, nobody contacted me. I have emailed to many executives including company CEO, Mr. XXXX XXXX. 

I don't know how can Western Union stay in business when you can not even get {$3000.00}. What is the point of sending the money and paying {$75.00} for their useless service. 

XXXX XXXX XXXX
Consumer complaint received 2019-10-01
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: AutoNation Enterprises Incorporated (FL)

i had an a account with cig finnacial i turn the car in voluntar on XX/XX/2019 i have a letter from them saying after car was sold i only own XXXX it show in my report i own XXXX it show im XXXX late payment when car was turn in it was only late that month XXXX and it show XXXX repos which is not true
Consumer complaint received 2023-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC. (CA)

I got a phone call about our lending company, Navient, that there is a lawsuit against them because of mishandling of student loans. 
We have had this loan for approximately 17 years and have been always on time with payments. 
I would like information if possible about this lawsuit. 
Thank you!
Consumer complaint received 2019-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREAT LAKES (CO)

I started going to XXXX in XXXX Colorado XX/XX/2013. I took out 2 loans because my financial aid wouldn't cover it all. One loan was for {$3000.00} and the other was for XXXX. The only money I received in my hand was a check for XXXX because they said that isn't the way they do things. Now on my credit report years later I have a loan for {$5500.00} with one acct number that was issued on XX/XX/13 as a student loan, and 2 direct loans with the same acct number for XXXX and XXXX, which include interest. Those 2 loans are probably the right loans. If you add the other 2 loans together, they add up to the same amount of the loan that I am unaware of. Please help me. This isn't right and to boot I have another new loan that is on my credit report from another school. How can the government just hand out student loans to people without verifying their identity?
Consumer complaint received 2023-04-07
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. (SC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over XXXX  days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-06-17
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. (CA)

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX  # XXXX and XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written my written instructions
Consumer complaint received 2019-05-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Nelnet, Inc. (TX)

Nelnet has been unable to provide proper legal documentation. 

Please provide the MPN in its original form for any and all alleged accounts and disbursements. 

Please provide the MPN for The University of XXXX  XXXX XXXX in its original form
Consumer complaint received 2019-10-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC (CO)

The entire loan process was great until my loan was handed off to a " customer service specialist '' who was extremely rude and deceitful throughout the entire process. My realtor went as far as to say he lied to him and the closing agent I was working with. The customer service specialist tried to delay my loan closing after saying for weeks that everything was in line and that all the documents needed were collected. I later found out he had lied about that and there were documents that needed to be signed that were overlooked on his part. He admitted blame to me on this and then went ahead and told my previous loan officer that it actually wasn't his fault even though it was. One lie after the next. After leaving work early to compensate for my loan officers mistake ( I had to e-sign documents and don't have access to internet where I work ) I manage to get all the documents my loan officer needed. I called and called my loan officers leaving unanswered voicemails and eventually got my officer to answer the phone. He told me my loan would be pushed back to the original date XX/XX/19. The next day I get calls and emails from my realtor and closing agent informing me that my lender did not change the documents to the correct date. Again, I try and try to call my lender and finally get them to sort the whole thing out. Of course I have to leave work to handle this but this is none of my lender 's concern. Customer service is not their strong suit. I asked for a small closing credit which was ignored for several days until I was told I waited too long to ask for a credit. They would have given we a closing credit to begin with but unfortunately it took them four days to get me set up with a realtor. Each day they told me it would be less than 24 hours. My entire experience has been nothing but ignored phone calls, lack of accountability, and poor customer service. I asked to speak to management but was ignored and kept being told I'm talking to the " top tier '' before they moved me up to their next " top tier ''. I have had few honest encounters with their staff.
Consumer complaint received 2019-10-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascension Point Recovery Services, LLC (WI)

My ex husband died at home in XXXX, Florida. He must have owed money to someone affiliated to Ascension Recovery Services whose phone number is XXXX. They called my sister 's landline here in Wisconsin looking for my adult son. None of us are responsible for his debt. None of us jointly own property with the deceased.
Consumer complaint received 2019-04-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Ad Astra Recovery Services Inc (MO)

I did an online loan back in XX/XX/XXXX with XXXX XXXX for {$640.00}. However financial issues came about and i couldnt make payments so the loan was sent to a collection agency called AD ASTRA RECOVERY SERVICE located in XXXX KS. I contacted them back in XX/XX/XXXX with a {$400.00} offer to settle this debt same day right then and there on the phone. The representative was nasty and rude and would not take me up on my offer. He constantly stated i have to pay 30 % of the total loan when i constantly assured him i have {$400.00} to settle this debt today so i could be done with the calls and reporting to my credit reports. This account is in collections and is stopping me from buying a home. After asking to speak with management more than once the representative tried to pose as If he was the manager. My fianc and I repeatedly stated we have {$400.00} right now to settle the debt and he negatively refused and claimed that i agreed to pay almost {$880.00} to settle the debt which i never did! I constantly stated {$400.00} which the calls Im sure are recorded so you will hear that. The interest is now up to {$1200.00} on the collection account. I should not be recieving any calls when i already tried to settle this debt for {$400.00}. This company does not want to work with its customers trying to correct their mistakes when they have the chance too
Consumer complaint received 2019-05-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

Portfolio Recovery is attempting to collect a debt I do not owe on account # XXXX. I never received anything for this debt and it is very old and past the statute. I should not have this debt, I do not owe it.
Consumer complaint received 2019-05-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (SC)

I don't nor have I ever owned any type of account with XXXX XXXX XXXX. I have Disputed this matter with both the company and their representative, Trident Asset Management, negatively reporting on my Credit. I am prepared to sue this company and XXXX for falsifying information about me in Libel and Misrepresentation. I have written numerous statements in Dispute, letters, and request for Discharge on this debt alleged to me. I have requested proving documents to verify the information provided to obtain whatever kind of account this is but these companies refuse to provide the proof that I agreed to or that I used my identification to activate an account.
Consumer complaint received 2019-10-03
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. (FL)

Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge off in the amount of {$2600.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was paid in full years ago and should not be reporting on my credit report. This incorrect reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Consumer complaint received 2023-04-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Please review and investigate the fallowing errors, inconsistency inaccurate and omission I was able to find in my credit report According to the FCRA you must have maximum possible accuracy when reporting and sharing my personal credit history As shown below is clear and apparent that this not meet the standard required by the FCRA not your own industries and accepted standard The data of last delinquency is required to be showing on this report please delete this account as it is a violation of the FCRA The Docket Number Field is inconsistent as although this is just XXXX account credit bureau are showing different numbers.TransUnion shows the Docket number as XXXX XXXX shows XXXX and XXXX shows XXXX As I can not validate the Docket number and there are another discrepancies on this account I can not be sure that I looking at XXXX or multiple accounts The fallowing fields are inconsistently between the XXXX Credits Bureau