davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-04
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: F.H. Cann & Associates, Inc. (FL)

XX/XX/2020 XXXX XXXX. EST My wife and was contacted by an unspecified representative of F.H. Cann and Associates. The representative mentioned the debt was from an unspecified student loan that I listed my spouse as a person to contact. The representative also mentioned that they could provide more information if she gave personal information about me to them. 

Any student loan I have was acquired years prior to meeting my wife and I have had no communication with any company where I either provided her information nor listed her as a contact. This information was false and misleading to gain personal information about me. This is in direct violation of FTC rules.
Consumer complaint received 2021-09-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (AR)

I purchased a new pressure washer that was sold through XXXX and the brand of washer is XXXX. I after a couple of weeks I called to check delivery status and was told they have no idea when the pressure washer would be shipped or arrive. I asked for a refund and was told I have to dispute the charge and have no proof of the refund. I never received any merchandise and only want a refund of {$300.00} which is the purchase price of the pressure washer. I paid with my Lowes credit card and can not get refunded for some reason.
Consumer complaint received 2020-10-21
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: Experian Information Solutions Inc. (CO)

In XX/XX/2020 we applied for, and was granted a COVID mortgage forbearance for our property by XXXX XXXX which went into effect XX/XX/2020 through XX/XX/2020. In XX/XX/2020 our mortgage servicing was assumed by XXXX XXXX XXXX, XXXX. In late XX/XX/2020 I recieve a " Late Morgage '' notice for our XX/XX/2020 payment and immediately reached out to XXXX to notify them we were on a forbearance and uploaded our origional documents to their portal. They claimed to have " no record '' of our agreement with XXXX. I was immediately placed on a new forbearance plan with XXXX that was to run from XXXX through XX/XX/2020. I continued to contact XXXX numerous times as the " XXXX '' missed payment ( which was protected under a forbearance plan by the previous servicer ) was going to be an issue in time. Sure enough in XX/XX/2020 XXXX reported missed payments to XXXX, XXXX and Experian credit monitoring. My score dropped from XXXX to XXXX. I have since reached out to XXXX loss prevention numerous times, only to be told " we are working on it '' in one call, to " we have no record of your previous forbearance '' others. This is 100 % blatant abuse of the CARES act by our mortgage servicer and there seems to be no recourse for those of us who applied for, and were granted, relief during the COVID pandemic. Please help.
Consumer complaint received 2020-05-04
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: Commonwealth Financial Systems, Inc. (FL)

COMMONWEALTH FINANCIAL SYSTEMS did not remove inaccurate information from all three major credit bureaus after I demanded them to verify those medical accounts with my signature on it. I'm highly upset they keep stalling the process and also harassing me with bills in the mail after I kindly asked them to remove this inaccurate information. NOW they are sending me letters to trying to offer me a " discounted '' price on these inaccurate accounts i'm getting harassed about. 

COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX COMMONWEALTH FINANCIAL SYSTEMS Account Number : XXXX ( XXXX XXXX XXXX ) Account Number : XXXX XXXX These are the accounts I'm getting harassed about.
Consumer complaint received 2021-09-15
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: Experian Information Solutions Inc. (FL)

My car was Broken into and my wallet as well as {$300.00} cash was stolen. I also had a fraud alert on my credit bureaus that dont have my number to call or verify just incase of fraudulent inquiries which i have just seen a coupe on my bureaus.
Consumer complaint received 2021-07-17
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP (FL)

I leased this car in NJ and paid the 6.625 % tax rate. I moved to Florida where the state 's and county 's total sales tax on cars is 7 %. US Bank is trying to charge me the full 7 % sales tax in Florida when I should only owe the difference between NJ and FL sales tax. They refuse to fix the issue. I have called three times.
Consumer complaint received 2020-07-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (WI)

I am trying to link my account with XXXX and you are locking them out. I do NOT like being told what I can and can not do with MY money. If you do not correct this soon I will take MY money to another bank.
Consumer complaint received 2017-08-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R.M. Galicia, Inc. (TX)

I am writing to complaint about XXXX Hospitals XXXX and Progressive Management Systems based in XXXX XXXX. BACKGROUND : In XXXX XXXX, I was on a family holiday in XXXX, CA when my youngest daughter who at that time had recently finished XXXX treatment fell ill, as parents we were fearful that her XXXX may have relapsed and rushed her to XXXX emergency in XXXX. Whilst at the hospital in the emergency we were approached by a representative from the finance department asking us about our insurance details. We have a $ XXXX travel insurance from XXXX XXXX XXXX, we provided all our travel insurance details but she was did not want to get in touch with them and repeatedly asked us to contact them directly whilst my and my wife both were under duress. Upon arriving back in the XXXX, I put XXXX and our insurance provider XXXX in touch directly and a claim was opened under reference XXXX. The claim was taking longer than usual as XXXX did not provide an itemised bill and I kept XXXX up to date with the progress of the claim. LACK OF COMMUNICATION : XXXX passed the account to a collection agency whilst XXXX was dealing with the claim. I contacted Progressive Management Systems ( collections agency ) and informed them of that XXXX is waiting for XXXX to provide an itemised bill. I was promised that our account was put on hold whilst XXXX was dealing with XXXX. UNFAIR REPORTING : Today, I received an email from our bank declining an account because PMS have put a derogatory marker for non-payment of the bill of {$2400.00}. I have recently moved from XXXX to launched a new XXXX in the US with the aim of creating employment and this unfair negative marker on my credit file is making life very difficult for my young family. I have today made the payment to Progressive Management Systems in full. This situation could have been resolved if XXXX had communicated with me, all XXXX had to do was communicate with me that they can not wait for XXXX and I should pay the bill. I have had a terrible experience with the US Medical system and credit reporting tactics employed by health care providers and debt collection agencies.
Consumer complaint received 2024-06-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

MY NAME IS XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX XXXX todays date XXXX I recently looked at my credit report and I noticed you are reporting. ACCOUNT NAME XXXX XXXX XXXX ACCOUNT # XXXX This account THIS WHOLE ACCOUNT MUST BE DELETED I did not authorize this account as I did a FULL INVESTIGATION OF MY REPORT this account is a fraud account! I have previously disputed late payments because I thought this account was mine, but this ACCOUNT is not mine. 

MY NAME IS XXXX XXXX XXXX DOB XX/XX/XXXX SS # XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX ny XXXX Todays date XX/XX/XXXX I have I have recently disputed this account it was updated but my request was to DELETE ACCOUNT NAME XXXX XXXX XXXX ACCOUNT # XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft 15 U.S. Code 1692e - False or misleading representations 15 USC 1681 I ( 7 ) - METHOD OF VERIFICATION 15 USC 1681B - PERMISSIBLE PURPOSE Identity theft laws under 18 U.S.C. 1028 makes it a crime to misuse someone's identifying information, whether personal or financial. Personal identifying information can include social security numbers, driver 's license number, credit card or bank account information, and PIN numbers obtained through the internet. DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT IT HAS BEEN ALMOST BASICALLY 30 days. THE CREDIT BUREAUS AND ACCOUNT NAME XXXX XXXX XXXX ACCOUNT # XXXX IS IN VIOLATION OF THE FAIR CARES ACT LAW. This account was NEVER opened by me Iam a FEDERALLY PROTECTED CONSUMER of the USA as a consumer I demand this account to be DELETED PERMANENTLY ASAP. I have already mad an identity theft claim thank you.
Consumer complaint received 2024-06-02
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. (CA)

This account was opened on the following date : XX/XX/XXXX There are no on time payments from date opened to charge off status why? This is inaccurate payment history reporting. I should have an active payment history from XX/XX/XXXX to XX/XX/XXXX this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit. Why are there two different dates for the date opened if this account is 100 % accurate they should both be reporting the same date. Experian is reporting XX/XX/XXXX so why is transunion showing XX/XX/XXXX? Experian, and XXXX failed to investigate this account properly after I repeatedly asked to have the account updated your neglect has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX XXXX XXXX Account Number : XXXX
Consumer complaint received 2021-09-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (OH)

My credit report shows a XXXX XXXX account ending in XXXX with the status " terminated ''. I was removed as an authorized user from this account. It should not be displayed on my credit report and the bank was informed.
Consumer complaint received 2020-10-21
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. (CO)

In XX/XX/2020 we applied for, and was granted a COVID mortgage forbearance for our property by XXXX XXXX which went into effect XX/XX/2020 through XX/XX/2020. In XX/XX/2020 our mortgage servicing was assumed by XXXX XXXX XXXX, XXXX. In late XX/XX/2020 I recieve a " Late Morgage '' notice for our XX/XX/2020 payment and immediately reached out to XXXX to notify them we were on a forbearance and uploaded our origional documents to their portal. They claimed to have " no record '' of our agreement with XXXX. I was immediately placed on a new forbearance plan with XXXX that was to run from XXXX through XX/XX/2020. I continued to contact XXXX numerous times as the " XXXX '' missed payment ( which was protected under a forbearance plan by the previous servicer ) was going to be an issue in time. Sure enough in XX/XX/2020 XXXX reported missed payments to Transunion, XXXX and XXXX   credit monitoring. My score dropped from XXXX to XXXX. I have since reached out to XXXX loss prevention numerous times, only to be told " we are working on it '' in one call, to " we have no record of your previous forbearance '' others. This is 100 % blatant abuse of the CARES act by our mortgage servicer and there seems to be no recourse for those of us who applied for, and were granted, relief during the COVID pandemic. Please help.
Consumer complaint received 2020-05-04
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The Wilber Law Firm, P.C. (IL)

This company has continued to call ke after I told them not to. They are calling looking for my husband XXXX XXXX XXXX.i gave him messeage first time and told them not to call me and remove my number. They have called me twice now XX/XX/29 and XXXX. 

On XX/XX/29 I again told them they were not to call the women stated she was a lawyer and that I diddnt have to answer phone. I said I knew who they were and we are in a spousal restriction state so you can not speak to me and you can not reach him on my cell phone. She became rude and told me she could call I told her remove my number and not call. 

On XXXX she called again and said she was going speak to me and she would continue to call till XXXX called her I finally hung up. She was absolutely rude and I feel threatened that I can not stop calls unless I force my husband to call her which I cant make him do. The truck he was driving was in his name the insurance was in his name i have nothing to do with any of this and yet I'm one being harassed.
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (NJ)

XXXX XXXX contacted me about a debt that I owed and was paid directly to Symphony bank. The name of the credit card is XXXX XXXX. XXXX has been harassing me, threatening to ruin my credit and livelihood and said they did not care about medical condition. I contracted the XXXX XXXX and need a better living situation fir me and my daughter. It is an extreme hardship : having the XXXX XXXX, battling other XXXX XXXX and being unemployed and XXXX. Because of this my credit score decreased and I have wait to get a house.
Consumer complaint received 2024-02-23
Product: Credit reporting 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.

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 instructions 15 U.S.C 1681c. ( 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 cause to believe that the information is inaccurate.
Consumer complaint received 2020-05-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (FL)

Navient raised my payment to $ 300+ a month because I got a pay raise. I asked if they could recalculate it and they told me that I would have to submit additional pay stubs. Which would only result in the same payment or even higher. Then when I asked what my other options were they said I could put it in forbearance and that was my only other option. Which means Im going to end up owing a lot more due to the interest.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: SUNTRUST BANKS, INC. (FL)

I do not have overdraft protection selected on my SunTrust personal checking account. I do not want my bank to honor charges that would put me in a negative positive, therefore, I did not select this coverage on my account. I have not been using the account as of late and there had been low/no activity on it and I have not been putting money in. My XXXX account is billed to this personal checking account through this debit card. On XX/XX/2018 there was a balance in the account of XXXX and on XX/XX/2018 XXXX successfully billed my debit card for XXXX causing the account to overdraft and incur a XXXX fee. As stated prior, this account has been dormant and I haven't checked it frequently. On XX/XX/2018 the account incurred a XXXX maintenance fee and then on XX/XX/2018 incurred another extended overdraft fee of XXXX. I was not made aware of this until I received a letter on XX/XX/2018 from Suntrust stating that my account was overdrawn XXXX. I called the company and asked them to please explain to me how a charge could go through if I do not have overdraft protection selected on my account and the representative stated that " recurring charges '' where an individual has given someone their card number does not constitute this rule. Personally, the overdraft fees charged are exorbitant which I try to avoid at any cost, and I think that it is deceptive that if I have elected that a bank to not permit a charge to go through that they should honor that request. I don't care that XXXX has my credit card information on file. I would rather them disrupt my service and flag me to fix billing on their end then have SunTrust disregard my request so they can collect their excessive fees.
Consumer complaint received 2021-11-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc (AR)

XX/XX/XXXX {$3000.00} was held in my account, and Venmo sent a email stating that funds would be released after XXXX  days. 


XX/XX/XXXX Venmo emailed me about my funds. I was directed to add a bank and transfer funds. 

After numerous attempts I still can not transfer my funds from Venmo, and representatives fail to answer calls or emails.
Consumer complaint received 2020-10-21
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. (TX)

Experian and XXXX continue to place false information on my credit report despite several disputes. Each time I dispute an account, the creditor submits different information and my credit file is updated with false and inaccurate information. Some items on my credit file have different personal information such as birthdate, however Experian and XXXX refuse to remove false accounts after dispute. My credit history has suffered due to this. Currently XXXX XXXX has been allowed to violate The Fair Credit Reporting Act by submitting false information while Experian and XXXX support this behavior by allowing XXXX XXXX to unlawfully raise my account balance and claim false late payments. This is apparent if someone took the time to read and compare information from the several disputes I have filed. Experian nor XXXX keep proper records as the personal information on file is not correct. I attempted to fix the matter, but It has yet to corrected and the inaccuracies remain on my credit file.
Consumer complaint received 2020-10-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

Portfolio collection contacted me about a debt that I owed and was paid directly to XXXX XXXX. The name of the credit card is XXXX XXXX. Pottfolio has been harassing me, threatening to ruin my credit and livelihood and said they did not care about medical condition. I contracted the XXXX XXXX and need a better living situation fir me and my daughter. It is an extreme hardship : having the XXXX XXXX, battling other XXXX XXXX and being unemployed and XXXX. Because of this my credit score decreased and I have wait to get a house.
Consumer complaint received 2020-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

TransWorld Debt Collecter. I spoke with them found out the debt was from XXXX XXXX, I physically went to my local XXXX XXXX asked about the bill for date given to Trans World XX/XX/2018. XXXX informed me I had NO service done on that date.And if I had XXXX would have paid it with my maximum owed of {$16.00}. I then called XXXX who informed me I had NO bills submitted in or around that date and the sum of {$570.00} is very high for ANY lab test done on me and my maximum bill would only be {$16.00}. 
I informed TransWorld of this and the 3 reporting Bureaus of this, but they still REDUCED my score 57 points and let stand TransWorlds claim without a physical bill from XXXX the original biller.
Consumer complaint received 2020-05-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (AR)

My bank called me to inform me that there was a unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen, I got nine and made an account with XXXX XXXX  and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. 

XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX  XXXX XXXX {$5100.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}