davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-05-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Collection Management Holdings, LLC (CA)

In XXXX I was found guilty of XXXX in absentia. The court imposed a {$500.00} fine and {$3800.00} court cost. The Clerk of the Court turned the debt over to the Credit Management Company who added 25 % to the debt ( XXXX ). I filed a Motion to Proceed In XXXX XXXX XXXX XXXX  a form requesting modification of court cost because I am XXXX and unable to pay in accordance to PA law on XXXX XX/XX/XXXX. 

The clerk of the court responded by sending my persona information and social security statements of benefits to Credit Management, thus adding another 25 % to the debt. 
After being arrested and jailed, XXXX County sent me information to the Credit Management Company to collect a fee for being held in jail. They called my treating the clerk would put me back in jail if I did not pay them the debt and their fees. They placed a negative mark on my credit report. 

Please review the XXXX County Clerk of Courts website. It very telling. 


https : XXXX XXXX XXXX XXXX
Consumer complaint received 2020-07-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, USDOE/XXXX Company Inquiry : XXXX XXXX
Consumer complaint received 2018-07-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

I have been communicating with LoanCare regarding loss mitigation options for the foreclosure on my property now scheduled for XX/XX/XXXX ( tomorrow ). On XX/XX/XXXX I was informed all my documents have been received, that my application was now with underwriting and pending a final decision. When calling XXXX on Tuesday, XX/XX/XXXX, I was advised that my application is still under review with underwriting pending a final decision and that the sale date for tomorrow, XX/XX/XXXX is still active! XXXX   continues to leave me in suspense and continues to violate HBOR laws and proceed with the foreclosure despite the fact I am in a current pending loan modification review. I feel no matter what I do there is always something they are trying to sneak past me.
Consumer complaint received 2019-05-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

A debt with HSBC Mortgage account # XXXX was " charged off '' / '' Profit & Loss Write-off '' back in XXXX as indicated in the attached old XX/XX/XXXX & XX/XX/XXXX credit reports. I received a XXXX from IRS and paid taxes on this debt as it was considered earned income. HSBC has a lien on the property and will not release the lien. I have contacted them to request this lien removal for the past 30+ days and they keep transferring me to numerous people that continue to obtain the same information from me each time i call. HSBC is trying to collect on a debt that is not owed. I am requesting that they release the lien on XXXX XXXX XXXX as this loan was charged off 11 yrs ago and I have already paid taxes on the debt.
Consumer complaint received 2020-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX, XXXX and Transunion are using fraudulent practices and color of law to continue the practice of identity theft when these corporations knows that there is no money the United States Corporation is broke. These credit companies are using unlawful practices to continue manipulating the credit of the XXXX XXXX XXXX, living being who owns the name, XXXX XXXX XXXX. These companies are using unlawful practices!
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (TN)

Chase put a 7 day hold on my payment because it was over 50 % of the credit allowed to me. Yes, that sounds insane, doesn't it? It gets better. 

I have used the same bank and paid the full amount, much ahead of the payment due date since I got this card months ago. I have even paid more than once in a month, which has totaled amounts over my credit limit but, this time, Chase decided to put my payment on hold for seven days. 

These seven days would be 10 days in practice because they do not count the weekend nor the XX/XX/XXXX holiday as business days in my favor. In reality, my payment cleared right away and sat in Chase 's account deriving interest while I, a XXXX XXXX XXXX XXXX XXXX veteran sat without the benefit of having credit available. What if my car broke down and I needed to rent a vehicle? 

Right now, I'm sitting at the phone with Chase " financial representative '' on hold WITH MY BANK because they HAVE TO HEAR IT FROM THEM that the payment cleared. According to this person, they CAN NOT look into their account and see that the payment cleared days ago. 

I believe that this is deceptive of Chase. I believe that they are trying to make interest off my little money because they can't get money via charging my interest, since I always pay the full balance in the account.
Consumer complaint received 2017-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I went online to get a free annual credit report from Experian. I paid {$1.00} on  XXXX   XXXX ,    2017 to  buy my FICO score the same online session. A few days ago, I called my credit card company to ask an unrelated question, and was told about a charge of {$23.00} from Experian (  XXXX . ) I called Experian to dispute this, and was told it was for a membership to their compan y Protect My ID . This is weird on more than one level. I already have been getting a complimentary report from some company, who know? My account has been hacked from  XXXX ,  XXXX ,  XXXX   XXXX ,  XXXX , and even through my payment for my husband 's hospital. ( I right clicked the last emailed Protect My ID so that I could find the original source, or who Experian was sending on behalf of, but there was only an " Anonymous '' as a source with that page. ) Why would I even need an Experian protection source? I have received those for months, and when I asked Experian, the  CSR said they do n't know who is paying. SCAM! The CSR said I could stop the membership they charged on my account, but I will not get the money back! SCAM AGAIN! She said when I bought the FICO score, that that was how they got my credit card info. I was supposed to cancel the charge I did not even know I was making within 7 days, or it would stay. SCAM! The culture of the day is for companies to send recei pts by email if bought online. I received no confirmation email about the charge for this product. They purposely, I believe, do not want people to know what they have charged.
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

Chase closed one of two credit cards that I got issued from it without a proper notice. Chase sent me the first notice by 'mail ' only threatening me that my account will be closed without a proper explanation. I called the customer support, the representative could not figure out exactly what happened and she promised that this won't happen again. After a month while I traveling abroad, Chase sent the second 'mail ' stating that they closed my account due to a payment being made with a refunded credit. I use the affected credit card exclusively for XXXX purchases and have only made few purchases over the last few months. I returned few defective items and got refunds. Chase is claiming that I did not make any payment due to refunds being credited earlier than when Chase could charge my bank for payment. I understand what happened systematically, but Chase 's claim simply does not make sense for the closure of the account. If they wanted me to make payments for my purchases, I would have done so, but they never asked me to do so before the closure of the account. They never explained with the first mail nor the first communication that I had with the customer support. I am dismayed by such an abrupt, inconsiderate and one-sided customer treatment by Chase and it must be condemned. I also have a concern that this closure would affect my credit score.
Consumer complaint received 2017-06-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Monterey Financial Services LLC (MS)

This was parent plus loan for my son. Someone kept calling and offering to consolidate my loan. I, contacted them the rep explained the way it would work so I did do everything on my phone i canceled the consolidation process. Loan, hero /Monterey  sent ou t papers. I called them to inform them I had canceled the consolidation. She told me I would have to contact federal student which I did. He informed me I will have to pay the loan because I had 5 days to cancel.   It 's not fair for me to be paying for a loan I have never received.
Consumer complaint received 2024-04-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (WI)

ON THE DAY OF XX/XX/year>, I AS ON A CALL WITH XXXX XXXX TRYING TO FIGURE OUT WHAT HAPPENED WITH MY MAIL, IN THE CERTIFIED MAILING PROCESS. I WAS ABLE TO REACH OUT AND TALK TO A REPRESENTATIVE ABOUT THE MATTER! SO, I WAS ABLE TO GET THEM TO REACH OUT TO THE OTHER POSTAL STATION IN THE AREAS THAT LETTERS WERE MAILED. THIS PARTICULAR LETTER WHICH WAS THE MORE KEY THAN THE OTHER ONE 'S WERE. AS I RECALL I GOT An EMAIL BACK FROM THE XXXX XXXX FROM XXXX, CA XXXX XXXX XXXX  AND THE AGENT 'S NAME HAPPENED TO BE XXXX XXXX XXXX # XXXX. UPON RECEIVING AN EMAIL, SHE REACHEDOUT TO PERSOLVE LEGAL LLC AFTER ASKING ME IF THAT WAS OK. SHE RETURNED A CALL BACK TO ME WITH An AGENT FROM THEIR COMPANY ON THE PHONE, REQUESTING MY APPROVAL TO LET THEM KNOW IT WAS OK TO LET HER KNOW THAT THE MAIL WAS RECEIVED. AS I GAVE THE INFORMATION, SHE ASKED FOR TO LET US KNOW THAT THEY RECEIVED IT SHE BEGAN TO DISCUS A DEBIT MATTER WHICH I LET HER KNOW THAT THIS WAS ONLY A CALL FOR ACKNOWLEGDE OF RECEIVED MAIL. SHE BEGAN TO GET INTO MORE DEPT WITH HER TRYING TO FORCE MORE CONVERSATION ABOUT A DEBIT SHE CLAIMS I OWE ALSO, RAISING HER VOICE BASICALLY TELLING ME TO STOP MEANING SHUT UP/LIAR IN A HIGH-TONED VOICE STILL TRYING TO ENLIGHTEN THE XXXX XXXX LADY ABOUT PERSONAL INFORMATION ON WHICH I HAD TOLD HER NO IN THE FIRST BEGINNING... THIS IS A THIRD-PARTY BUSINESS MATTER AS WELL AS HARRASMENT OF LANGUAGE AS WELL AS SPEAKING FALSE INFORMATION UPON MY MATTER BETWEEN THEM WHILE IT WAS RECORDED ON THE XXXX XXXX  LINE THE CONVERSATION LASTED FROM XXXX XXXX EST
Consumer complaint received 2020-07-21
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

I just received my initial monthly bill ( dated XX/XX/2018 ), since XXXX  servicing took over servicing my student loans. The monthly bill statement was inaccurate, as that shows that I have zero eligible Public Service Loan Forgiveness ( PSLF ) payments. This is totally inaccurate and does not reflect my eligible payments! 

By letter dated XX/XX/2018 ; I was informed that XXXX XXXX was selected to manage my federally owned student loans. In that letter I was informed that I could expect to hear back from the organization no sooner that 90 days from XX/XX/2018. As of XX/XX/XXXX, which is Friday, it will have been 90 since days since I received that letter. How can the organization portray on my initial monthly bill, that I have zero qualified PSLF payments, when I have yet to receive a report on their analysis of my past payment history? 

This will actually be the 2nd complaint that I will have submitted about XXXX, in the short amount of time that I have been dealing with their organization. My initial concern, started after I received my initial communication from XXXX by letter dated XX/XX/2018 ; stating that I did not have any eligible loan types. This was inaccurate and not correct, as I received an additional letter from XXXX, dated XX/XX/2018, stating that in fact, I was eligible for the program, and that my employment had been certified. This is very disconcerting and causes me great concern about future dealings with XXXX!!!! 

My most current concern, is that I received a letter ( dated XX/XX/2018 ) saying that the XXXX organization had approved a Disaster Forbearance on my behalf. I never have, nor did I requested a Disaster Forbearance. This should be cancelled ASAP. 

In closing can you please tell me : How can XXXX portray on my initial monthly bill, that I have zero qualified PSLF payments, when I have yet to receive a report on their analysis of my past payments? 

Sincerely, XXXX XXXX XXXX, XXXX , XXXX Enclosure : Printout from the Federal Student Aid website.
Consumer complaint received 2022-09-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CA)

On Wednesday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of Bidens Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that began XX/XX/XXXX. I went ahead and asked them to do that but was flabbergasted when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid {$1700.00} in payments. 
It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 
They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well.
Consumer complaint received 2020-07-21
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX XXXX Company Inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-09-14
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)

I am a a natural person, I am a human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX
Consumer complaint received 2022-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Opportunity Financial, LLC (GA)

I, XXXX XXXX, in good faith, according to the Consumer Credit Protection Act was exercising my rights when I came to you to extend my credit by filling out a credit application on XX/XX/2022, the result being I was denied and discriminated against. This action has caused harm to my personal, family and household purposes 1002.2 ( 3 ) ( h ). 
If you, OppLoans adhere and abide by the rules of ECOA, you should be aware that you are in violation of federal law pursuant to The Equal Credit Opportunity Act and The Consumer Credit Protection Act for denying me my own credit. Your company has discriminated against me by not extending my credit that I legally have the right to. I have been treated less favorably than other applicants pursuant to 1002.2 ( 3 ) ( n ). You should be aware that your reasons for denial and discrimination per ECOA are unlawful and illegal. 
I am aware that you, OppLoans, are liable for failing to comply with federal law. Pursuant to 12 CFR1002.16 ( b ) ( 1 ), it states that any creditor that fails to comply with a requirement imposed by the Act or this part is subject to civil liability for actual and punitive damages in individual or class actions. Pursuant to sections 702 ( g ) and 704 ( b ), ( c ), and ( d ) of the Act, violations of the Act or this part also constitute violations of other Federal laws. Liability for punitive damages can apply only to nongovernmental entities and is limited to {$10000.00} in individual actions and the lesser of {$500000.00} or 1 percent of the creditors net worth in class actions.
Consumer complaint received 2020-07-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (IL)

On XXXX XXXX 2020 I received a credit card from US Bank ReliaCard through the mail. However, I never applied for this credit card. I called the US Bank ReliaCard XXXX number ( on back of the card ), asking why they sent me the credit card, explaining I never applied, the woman said there have been a lot of problems, the credit card was apparently sent from Ohio unemployment, but they could not answer how, why, or where my information was used to apply for this credit card They only number they gave me to call. XXXX
Consumer complaint received 2022-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (MA)

XX/XX/2022 I contacted XXXX XXXX of XXXX to attain XXXX XXXX quotes for me. While going thru my auto history he informed of a claim that was showing up on my record for XX/XX/2022 that I had no recollection of. He explained and sent me the screen shot of the information from Lexis Nexis. I then contacted my insurance company to see if they we're guilty of putting this fraudulent incident on this report XXXX was alerting me to and they said their system showed nothing and I got a written from them saying such. I called Lexis Nexis and explained the situation to them and asked them to provide me with the information that they have on file for XX/XX/2022 and these people are trained to either not listen, or not help. He said he could send me a copy of my report. I received a letter from LexisNexis with information on how I could view my report online however when I tried to access it the web page said the PIN could not be authenticated. Someone is causing me additional time and money that I don't have because these large companies can just post false information with no repercussions. And when the victims they are spreading disinformation about contact them to get the information they share with others about YOU they won't provide it and will go out of their way to be useless.
Consumer complaint received 2018-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: ID Analytics, Inc. (AZ)

Applied to XXXX for their credit card. Received a reply from XXXX XXXX XXXX, that, using XXXX XXXX my credit app was denied because I am DECEASED. Most assuredly I am not. I have called XXXX, left a message and no reply. 

This is sloppy credit investigation, poor scrutiny and lousy fact checking. This company needs to be closed.
Consumer complaint received 2024-05-23
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (IL)

On XX/XX/XXXX, I transferred {$350.00} to my paypal account, the money never showed up in my PayPal balance it said unclaimed. Well I selected the option to get it refunded back to cash app since it never showed in my balance.. on their end it says complete but i still havent received my cash. I have talk to 4 supervisors and 3 representatives and they all have been rude and basically telling me its nothing they could do. Although the money left their institution and i havent see. If since!! Im stressed out and have been through so much with this {$350.00}. Its been 25 business days, and 35 days in total with no refund. Their policy states after 30 days they will credit it back to my balance. I brought that up to them and she is still saying its nothing they could do contact XXXX  XXXX. Can you help me please? I just want my {$350.00} this is so unfair!! Ive been with paypal for over 4years i get my work check deposited every two weeks i have no reason to steal or lie i just need what is mine.