davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

On XX/XX/XXXX I received a letter dated XX/XX/XXXX detailing that WITHOUT my consent XXXX   placed a fraud alert on all 3 credit bureaus. Despite my XX/XX/XXXX calls, Transunion refused to remove this alert stating only " special handling '' required, thereby violating the FCRA even though XXXX agreed to process removal to their bureau.
Consumer complaint received 2022-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2021-03-01
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: U.S. BANCORP (OH)

I received a US Bank Reliacard from Cardholder Services in Indiana. I do not have an account of this kind with US Bank. I tried without success to contact US Bank. Then I called CFPB and was told that this is part of a nationwide scam and not to activate the card. I was told to report it to Unemployment Services in Indiana, but the website does not address this problem. What should I do next?
Consumer complaint received 2018-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (WA)

There was a XXXX XXXX XXXX credit card opened in my name in XX/XX/XXXX. I don't or never had a XXXX XXXX XXXX credit card. I don't ever look at my credit report so i was unaware of this. Couple months ago when my debit card was used by someone other than me, my bank notified me and shut it off and issued me a new card. That is when I started looking at my credit, paid some things off. I did notice a collection from a XXXX XXXX XXXX. I investigated it and found that in XX/XX/XXXX XXXX XXXX bought that XXXXXXXX XXXX XXXX account from XXXXXXXX XXXX XXXX. It showed {$700.00}. I disputed it because I never opened that account! On XX/XX/XXXX the dispute came back as verified as accurate that it is actually correct and it is going to stay on my credit report! I immediately filed another dispute that same day because I didn't open it and the amount went from {$700.00} to {$1000.00} the day the dispute came back! I did not open this account. Not sure how all this went under my nose and now I don't know how to correct something I wasn't involved with except someone used my information. I see at the bottom of this page it asks for documents. I have none that is why this is so bizarre! I only have what it says on my credit report which is not accurate! They can't make me pay a debt I didn't create! HELP!! 

Thank You
Consumer complaint received 2023-02-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (MO)

This account was deleted after an investigation by the credit bureau and then not a month later was added back onto my credit report under a different collection agency. This was an ongoing headache from XXXX who was over charging me and I tried for XXXX  months to get it fixed. They neglected to fix it and hold their end of responsibility. I do not owe this company any amount and would honestly be inclined to sue them myself if this issue isnt resolved soon. I was a great and happy customer for over XXXX  years until they unfortunately werent willing to fox the problem they created and it actually resulted in me losing a {$1200.00} device as well as deactivating my account and now Im being charged unfairly. This is theft at an unbelievable level. Please help me fix this issue. Im trying my best to pay up my balance and this issue is hindering me financially from being successful. You can reach me at XXXX. Thank you XXXX bless.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Collection Bureau, Inc. (AL)

Complaint Description : I need to have this deleted from my credit report because it is unverifiable & inaccurate. This company has this amount on my credit report I have sent a letter requesting it to be investigated by the prior debtor. I have contacted the new owners of the business which have stated they have a XXXX balance for me and no record found. They also provided me with the previous owners name to contact them. The company who stated that I owe them which is XXXX XXXX in PA stated they left records with new owner and have no record of NO balance owed. I've also made a complaint with the FTC, Florida AG, and Consumer Financial Protection Bureau as well because this info is in accurate I am not liable for the balance of XXXX for XXXX XXXX XXXX XXXX. I can not remember the date I submitted my letter to the collection agency but XXXX XXXX XXXX is whom I spoke with at XXXX XXXX
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp. (CA)

TrueAccord account number is : XXXX send me an email that I owe a balance to XXXX I cancel by the website on XX/XX/2018 the services they have been contact me or send me a leads to contact potencial customers I have been with them for 2 years and I have never see a benefit for my business, when I cancel the service with them they continue to charge me moth by month 3 in total.
Consumer complaint received 2020-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (TN)

JPMORGAN CHASE CREDIT CARDs Bad Business Practice - Price Gouging evening during the worst of time! 
Lost job and spent 2 hrs on the phone attempting to renegotiate old debt into a sustainable pmt by reducing % & min pmt amount. Finally got a hold of their hardship dept to work out a new pmt plan. According to their program, avg interest rates are LOWERED between 6-12 %. BUT due to the fact that I lost my job, they offered NO REDUCTION IN EITHER INTEREST RATE OR MIN PMT DUE. But they did transfer me to XXXX XXXX, stating that this is the " ONLY '' debt company they work with to reduce the interest rate to 6 %. XXXX XXXX was more than willing to take on my debt at 6 % but adding another {$1000.00} of fees to my debt amount. Considering this unprecedented challenge that we're trying to survive, I feel it's in everyone 's best interests to record an official complaint about JPMORGAN CHASE bad business practices & unwillingness to lower my interest rate to a more sustainable pmt structure. Steer clear of all their fancy marketing promotions & free miles - which I never received by the way. I've literally paid more in interest to JPMORGAN CHASE than the amount of the original debt, over the past 10+ years and still owe them almost {$10000.00}. I haven't used either card in almost as long. I'll be dead before this amount is ever paid off. Can someone with AUTHORIZATION to assist this dire uncooperative situation please work with me to reduce % rate so that pmt amount applies to principle, without adding more debt? Thank you for your immediate attention to this matter!
Consumer complaint received 2016-04-26
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (GA)

On XXXX XXXX 2015 I made mortgage payment to freedom mortgage on the internet. payment is due on the XXXX every month. On XXXX XXXX 2015 I received a call from freedom mortgage that my payment was late. I explained that I had received a conformation number how could it be late? I was told that did n't matter the payment was late. I had to pay late fees and phone assistant fees ( a total of {$40.00} plus the normal mortgage ) Since that payment my mortgage has been marked as received late for the past 4 months although I mail my payment on the XXXX of the month XXXX. I called and asked a service rep how my payments were late and was told that the mail takes XXXX 10 day for them to receive it.
Consumer complaint received 2018-02-24
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. (NE)

I was an Equifax customer due to a breach from a retail website. They paid for a year of free coverage with Equifax. Then I paid for additional protection and entered Drivers license and passport and then Equifax had a breach and when I called they said they would give me a free year of service with XXXX. 
I could not authenticate my identity after two tries so the service never worked to where I could see my credit report or anything. 
I just got an email today saying I was signed up and to check online. Again I tried to authenticate and failed and called the XXXX no. that popped up on the screen. 
They said that since I did not authenticate by XXXX. I was cancelled for the free year of service. Why did they send me an email as a XXXX MEMBER? SEE EMAIL ATTACHED. Equifax should be made to honor commitments. I was never sent an email saying I had a deadline to authenticate. 
They are the biggest bunch of dishonest people I have ever worked with. They never told me about Equifax 's breach ( found out in the news ) And I was a paying customer. Nor did they offer a free service after the breach. I spent hours of the phone with them to get them to agree to do it and now they are taking it back. Government should shut them down.
Consumer complaint received 2018-02-24
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. (OH)

I have attached letters with this complaint. 

First of all - both XXXX and Equifax failed to re-investigate the dispute as requested. They apparently said that they are " allowed by law not to re-investigate '' which is straight out a lie and very deceitful ... 

According to Section 1681 - they have to re-investigate the items that I've attached and remove them immediately. They have the burden of proof and need to provide me with everything that I need in terms of accuracy - which includes documentation bearing my wet ink signature :
Consumer complaint received 2018-02-24
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Medical Data Systems, Inc. (GA)

I have contact Medical Data Systems about the inaccuracy of the debt from XXXX Hospital since XX/XX/XXXX. I even agreed to pay the portion of the bill that was accurate. The company refused to accept that amount and also refused to contact the debt holder to validate the debt after I made multiple requests in XX/XX/XXXX and XX/XX/XXXX to receive validation of the debt as required by the Fair Credit Reporting Act. 

Having no luck with Medical Data Systems I contacted XXXX XXXX Hospital and the put me in touch with the CFO, who had his staff suspend all activity on my account on XX/XX/XXXX. Please see attached letter from XXXX XXXX, XXXX for XXXX XXXX Hospital.
Consumer complaint received 2020-08-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (PA)

On a recent review of my credit report, I discovered your company reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (SC)

I had XXXX in XX/XX/XXXX/XX/XX/XXXX then ended my services with them in XX/XX/XXXX. The sent me a bill dated XX/XX/XXXX showing : Bill Amount : $ XXXX & Payment Due Date : XX/XX/XXXX Then the following I got a bill for them for an equipment, which my husband had taken back. I sent XXXX XXXX XXXX XXXX a dispute letter. A manager called me and asked to speak with my husband to verify ; I told him that my husband had died XX/XX/XXXX. He apologized and he would close the account because my balance was actually a credit. Now this year I found this account on my creidt report from AFNI a collection agency with a balance of {$780.00}. I have tried without success to convey to this agency that this is a mistake to no avail.
Consumer complaint received 2023-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NC)

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (TX)

XXXX XXXX is reporting a collection account # XXXX in the amount of {$1300.00} due for Synchrony Bank that is no longer collectible because this account was marked as a chargeoff/write off. When I contacted Synchrony Bank in 2019, they advised me that this account is no longer due and have been written off. They had no information of this account being transferred to XXXX XXXX. I was unaware I could dispute this account until late 2019, also I requested information from XXXX XXXX showing the agreement between Synchrony Bank transferring this account to their office and the collectible amount if owed. I have yet to receive this information as of today. I '' m requesting CFPB assistance to clear this inaccurate information from all three credit bureaus ( XXXX XXXX and XXXX  ).
Consumer complaint received 2021-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (MI)

I paid the XXXX $ eviction debt in full. The collector promised to remove it from my credit report. They did not and its a huge hindsight on my credit score especially since Im seeking housing at the same time XXXX $ is a huge debt to pay and not have it honored. Getting the run around.
Consumer complaint received 2018-02-24
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. (OH)

I have attached letters with this complaint. 

First of all - both Experian and XXXX failed to re-investigate the dispute as requested. They apparently said that they are " allowed by law not to re-investigate '' which is straight out a lie and very deceitful ... 

According to Section 1681 - they have to re-investigate the items that I've attached and remove them immediately. They have the burden of proof and need to provide me with everything that I need in terms of accuracy - which includes documentation bearing my wet ink signature :
Consumer complaint received 2018-06-20
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Maximum Title Loans, LLC (AZ)

When I was unable to repay the loan, the company repossessed the car immediately, and has continued to add on fees and harass me calling ( home and job ), texting, emailing, and even showing up at my home repeatedly, all though out the day, harassing myself and relatives. Saying that I owe a balance that is 6 times more than the original loan and after taking the vehicle. The harassment is absolutely ridiculous. I have to file bankruptcy solely in hopes that it will stop them but I have a feeling it will not as these people are relentless.
Consumer complaint received 2018-02-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (WA)

I graduated with an XXXX in XXXX. I learned about the Public Service Loan Forgiveness program around XXXX and spent time researching about the program. I continued to research online over the past 10 years, as there were many forms and changing web pages to read through. I began working with low income families in a XXXX XXXX   in XXXX. As a single mom, I was counting on the PSLF as part of my career of service and retirement plan. On XX/XX/XXXX, my employer submitted an Employment Certification Form at my request and by the end of the month I received a letter from XXXX detailing that I had no eligible loan types for the loan forgiveness program. Unfortunately, through all the research and loan repayment plan applications I had completed over the years, I did not get the correct information to qualify for PSLF. Apparently, my loan types, FFEL, were phased out around XXXX and replaced by XXXX   XXXX. The only option I had was to consolidate my loans into XXXX XXXX. Now my ten years of service starts over and I don't even know if the loan forgiveness program will still exist in XXXX. Both my loan servicer and PSLF Program were not looking out for me. Maybe I could have gotten the correct information about qualifying for loan forgiveness if I would have known what specific question to ask, as I am a resourceful person ( I find information about community resources for a living ). I feel tricked by fine print.
Consumer complaint received 2017-07-24
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 have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account XXXX XXXX - XXXX : I have never paid late
Consumer complaint received 2018-06-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: United Student Aid (USA) Funds (TX)

UNITED STUDENT AID ( USA ) FUNDS- was paid in full XX/XX/2016. The balance shows XXXX  which is correct but I am requesting the status be changed from Accounts With a Negative Pay Status-Derogatory to paid in full positive status.
Consumer complaint received 2017-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NY)

I have a major issue with this account XXXX XXXX XXXX states it was open back in XXXX was opened by my spouse XXXX XXXX and appeared on my credit reporting agencies XXXX XXXX filed bankruptcy XX/XX/XXXX under file XXXX and put this XXXX XXXX XX/XX/XXXX on his chapter XXXX and its appearing on my credit information XXXX XXXX XX/XX/XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX phone XXXX than it was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX was sold again to a letter I recently rec ; d XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX, XXXX Been receiving harassing phone calls every day XXXX Acct number XXXX Current due XXXX XXXX XXXX XXXX re ; XXXX XXXX Bank
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (CA)

I tried to open a back account for my sister ( she is XXXX, XXXX  and XXXX   XXXX ) and on XX/XX/XXXX and on XXXX XXXX received a letter from Chase bank that XXXX  saying they could not verify her identity. The application had her social security and home address. She will NEVERnave a credit report and what does that have to do with opening a checking account.