davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY (MD)

Target chose to ignore that on XX/XX/XXXX I paid the balance in full of {$98.00} in their XXXX, MD store on account # XXXX. Most of this bill was for their late fee on a previous minor bill. It did not seem to matter when I sent the payment in, it always cleared after their late fee was applied. So I elected to pay in person and stop payment on the check that was still in transit on XX/XX/XXXX. I requested that the Target account be closed since it was now a XXXX  balance. 

I was shocked when I got a bill in XXXX claiming I bounced a check on a XXXX balance account and that they needed {$28.00}. I have written every collector they have hired in the last 2 year as they continued to add late fees and interest to a {$28.00} " Return Payment Fee '' which was a Stop Payment actually. They did not need to get paid twice and I could ill afford that after paying the bill in full in person! I recently found out that they have attempted to ruin my FICO by posting a {$300.00} debt on my credit report. So on XX/XX/XXXX I sent another letter after talking to their representative XXXX. My most recent effort to resolve this directly was XX/XX/XXXX. I faxed a letter with my receipt from XX/XX/XXXX to XXXX as requested by their representative. I have been sending letters since XX/XX/XXXX to them. 

I'd appreciate you acknowledging that Target is a predator in the marketplace and refuses to right a wrong that is as clear as the receipt I've kept so long the ink has started to disintegrate. Their representative helped me recreate the numbers to prove my point. I have had my FICO impaired and had 2 refinance loans slip away due in part to their predatory business practices. 

In my XX/XX/XXXX letter I offered to settle the matter but they sent me to another collection agency and started the statements and interest again adding to the {$300.00} debt. Collection agency XXXX XXXX, XXXX now wants {$300.00} as of its letter dated XXXX. 

Seeking relief from this injustice as a XXXX balance account becomes large enough to place judgement against my home in my twilight years.
Consumer complaint received 2020-06-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX ; XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

My complaint is about the three credit bureaus : XXXX, Experian, XXXX The three bureaus do not have good communication with each other like they used to. 
In summary, I made a fraud alert at Experian, but they failed to communicate this to the other two credit bureaus like they used to do. 

On XX/XX/2022 I called Experian ( XXXX ) to make a fraud alert via automated voice system. 
The system gave me confirmation # XXXX and said they will notify the other two credit bureaus and send a letter of confirmation. 
I did receive a letter ( postcard ) from Experian about 10 days later as expected. 

However I did not receive a letter of confirmation from the other two credit bureaus. That is the problem. 
On XX/XX/2022, I called the other two bureaus and made fraud alerts via automated systems. 
Both systems let me the make fraud alerts, and did not say anything about existing fraud alerts. This confirms the problem. 

Would you please investigate and take action. 
Specifically, I would like you to require the three credit bureaus to place fraud alerts and send letters of confirmation within a reasonable time frame, no matter which bureau I make the fraud alert with. 

I always use their voice automated systems ; not sure I trust their websies No American should fall victim to fraud due to the credit bureaus shoddy work. 
I take great pride having exacting standards of my personal finance.

I am asking you to hold these three credit bureaus to the same standards
Consumer complaint received 2022-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Profit Services Group (SC)

on XX/XX/XXXX I request in writing a certified mail Domestic return receipt validations of debt letter not a request for verification or proof of my mailing address, but a request for validation made pursuant of the above name title and section respectfully request your office Profit Service Group to provide me with competent evidence that I have any legal obligation to pay you if your office fails to respond to this validation request within XXXX from the date of your receipt, all references to this account must be deleted and completely removed from my consumer report /credit file and a copy of such deletion request shall be sent to me immediately.as of XX/XX/XXXX I still haven't hear any thing from this company profit service group they closed the account profit service group did not remove nor sent me a copy of such deletion sent to me immediately associated with the above-mentioned have grossly violated section 809 & 15 USC 1692g of the FDCPA
Consumer complaint received 2019-09-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (OH)

In response to a complaint I filed XXXX XXXX from the Chase Executive office attempted to reach me by calling my Wife 's phone number on 3 separate occasions. My Wife was not able to take the call because she was at work. I returned each call and left messages asking Ms. XXXX to call me at my phone number ( she had initially called me at the correct number several times ). On the third call I made to Ms. XXXX I told her if she did not call me at the correct number I would file another complaint regarding this matter. She has not called back but someone named XXXX from Chase is now calling the incorrect number. I have left a message for him with the correct number and am filing this complaint hoping it will compel Chase to address this matter in good faith.
Consumer complaint received 2018-02-12
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (CA)

For many years I had an account with Washington Mutual and was rewarded by the bank with a free checking account and safety deposit box. Since this bank was taken over by Chase Bank I lost the key to the box in the process of moving. Now it seems that Chase Bank cant find the box. Unfortunately I had a large amount of jewelry and stock certificates in the box. I last accessed the box about 4 years ago when I put additional items in the box. After that time I moved and have gone through everything that was packed. A few boxes were missing. 

I asked Chase if they could check one of my old statements from Washington Mutual as it box was listed on my statements. They can only go back 7 years which was after they took over WAMU in 2008 Do I have any Recourse? i was told that the old sign in cards had bee replaced with an electronic database. They do not have many safety deposit boxes that were the smallest size and if one has no key and no nameitshould arouse some suspicion. 

Thank you for any help or suggestions. Can I hire some legal advice? 

XXXX! o XXXX XXXX XXXX
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (AL)

Amsher called many times. I told them my insurance company was resubmitting the claim, because the insurance company had made a mistake. They didn't care. XXXX and XXXX were rude and belligerent to the point of bullying. I am a XXXX veteran and it took me a long time to get over the phone call. I then called my insurance company and found out the bill had been paid to the provider. Something has to be done to stop these people. They are out of control.
Consumer complaint received 2021-02-05
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: Sequoia Financial Services (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the XXXX and my local police department. I send all documents to the C.R.A and Sequoia Financial Service. The Account Opened is Sequoia Financial Service Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$1900.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2022-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX Balance : {$2300.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$100.00} ; XXXX  XXXX ( OriginalCreditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$670.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3200.00}
Consumer complaint received 2019-09-28
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (FL)

Original loan was for {$10000.00}, I have paid back from 2012 to now XXXX to date and still owe XXXX. I never agreed to such terms. It has ruined my credit because it saying I havent made payments on 4 loans. Which they are responsible to manage.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

I'm writing this complaint and there is no third party involved. 

Default and Opportunity to cure Attached To whom may concern, It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent previous letters to you, all by certified mail ( receipt enclosed ) requesting that you remove information from my file and you have failed to do so. 

Accordingly, I can show a judge that these account are reporting illegally by your company and that you violated the Fair Credit Reporting Act by ignoring my requests to Delete the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. ( all Documents attached ) If this final request does not prompt you to conduct a proper procedure to delete this accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.
Consumer complaint received 2022-01-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Social Finance, Inc. (OK)

On XX/XX/2021, I received a email from Sofi informing me my account had been frozen. In the letter it told me to call their fraud prevention team and speak to someone to help get my account released. However since then I have left over 20 voice mails and used multiple channels to contact representatives of Sofi. To this I have received only one email telling me they didn't know the exact time someone would reach out to me. It is very frustrating to be told to contact people regarding your security and money and no one responds for two weeks and it has forced me to take this outside of the communication with the company and find third party assistance. The following is what I have tried to do to contact anyone in Sofi for help. 

1. Call Sofi : I tried to call their Fraud Prevention Team over twenty times with no responses to my calls. I tried to call other departments to talk to anyone but because my account is frozen they automatically send me back to the Fraud Prevention Team. 

2. XXXX : I have tried posting on the Sofi XXXX XXXX twice asking for community help but both of my posts were not approved by Sofi XXXX. I also tried contacting the Moderator herself and she has no responded at all to the message. 

3. XXXX : I tried to reach out via Sofi 's XXXX but they have no responded there either. The community members on the other hand were very helpful and I was informed to take the problem here from one of the members. 

4. Email : I have also reached out via Email and was informed two days later they didn't know how long it would take for someone to get into contact with me. This had been a a little over a week after not receiving a callback from Sofi regarding the problem.
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2020-01-26
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. (NC)

My personal information has been compromised, I have did a FTC report as well as reported it to my local police. I have filed multiple disputes with all 3 credit reporting agencies with no relief. I have requested copies of the validation documents used to validate these accounts with no response. I am seeking some relief and accountability in this situation.
Consumer complaint received 2020-01-26
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. (IN)

I have a XXXX XXXX account for dental work that was paid in full and as agreed. The online system for XXXX XXXX did not accept a bank account with a leading XXXX. The was subsequently fixed by XXXX XXXX. I made payments as agreed and XXXX XXXX fixed the final payment with my bank account having a leading XXXX. Now months later both XXXX XXXX and Experian are reporting negative information when my account was pad in full as agreed and has a XXXX balance.
Consumer complaint received 2022-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : ) 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2022-04-30
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 Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX, XXXX XXXX, US DEPT ED XXXX, US DEPT ED XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX ( Original Creditor : ) 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-06-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (VA)

On XX/XX/XXXX, LoanCare , LLC partially paid the property taxes that were due to the county. LoanCare , LLC did not pay {$54.00} of the amount that was due. I noticed the incorrect payment amount and notified LoanCare , LLC on XX/XX/XXXX, of the error, via their online message service. I provided them with the delinquent bill as well as explained the error. A generic ticket was automatically generated when the message was submitted. The ticket number is XXXX. Since the submission of the explanation and bill, I haven't heard anything from LoanCare , LLC. I received no letter within 5 business days stating they received the information ; as a matter of fact, I still have not received a letter from them acknowledging they received the information as outlined in 12 C.F.R. 1024.35. I called customer support on XX/XX/XXXX and XX/XX/XXXX at XXXX, and neither time was the customer support agent able to provide an update on its status. The 30 business days deadline is approaching, and I have not recieved any communication from LoanCare , LLC. 
I have opened 2 more tickets ( XXXX on XX/XX/XXXX & XXXX on XX/XX/XXXX ), providing the same information. We'll see if I get a response from either of those, but I highly doubt it. Based on the reviews and complaints I've seen about LoanCare , LLC on XXXX and other review sites, this seems to be standard practice for them ; horrible ( possibly shady ) service.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC. (IL)

I have been in the XXXX industry for over 14 years. Understanding the dynamic of how our DATA is used has been on my mind for years. Particularly during incidents where companies have data breaches. For extra security, on XX/XX/2019 I opted for a PERMANENT OPT-OUT ELECTION FORM. Recently my husband applied for a VA home loan and the amount of marketing and solicitation calls was beyond overwhelming for myself personally. How could all these people have my information if I opted out. In trying to figure out how my information was distributed, I received from my current lender XXXX, resulted in me understanding my information was still being sold by the credit reporting agencies. This is very disheartening because many companies have global means to distribute my information without me having any recourse. 

Additionally, I would like to file a complaint against XXXX but am limited to 3 companies via this software. Please advise.
Consumer complaint received 2018-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

On XX/XX/2018 Transunion listed a collection account from XXXX XXXX XXXX from XX/XX/2017. However, Transunion will not allow me to complete a direct dispute report online in order to begin the problem resolution process. When completing the online form, an error message arrives claiming the disputer can contact a live operator ; however, no one receives or answers the phone call. The credit reporting agency, which also works with the collection agency, presents this roadblock as a means of discouragement to prevent anyone challenging the collection agency on its unfair debt collection practices. To add insult to injury, Transunion added the collection account to its files information after the XXXX data breach of XX/XX/2017 had compromised my personal information.
Consumer complaint received 2018-02-12
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Caliber Home Loans, Inc. (MA)

When i had my credit pulled XX/XX/XXXX, I discovered that Caliber had reported several late payments. When I confronted them, I was told that although I processed the payments in the month they were due, the payment was not posted until the following month, causing the 30 day late. 
I told the supervisor that at on a call in early XX/XX/XXXXthe representative told me that as long as i processed the payment within the month it was due, it would not be reported late. I spoke with a different agent in XX/XX/XXXX and was told the same information.

Now i have 7 instances of a 30 day late payment on my credit and i am unable to secure a mortgage on a new home.