davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK (CO)

I opened an account with Discover within the last couple of weeks, but had issues using it online the entire time. I was able to make a small purchase online, but then when I was trying to make larger purchases  off XXXX and XXXX, both kept getting declined over and over despite my high credit limit and the purchases being nowhere near close to that limit. I called Discover on XX/XX/XXXX at XXXX XXXX to check and see what the issue was. I was told there was no issue with the card at all and it must be on the merchant end.

The morning of XX/XX/XXXX, I tried the same purchase again. This time, Discover set off NUMEROUS fraud alerts and began blowing up my email, texts, and my phone. One of the emails sent said that this was a fraud concern, but if I had already dealt with the issue, to disregard the message. Since I had literally spoken with them 14 hours before and I was currently at work in the middle of things, I assumed I did not need to call immediately. However, within the hour, I received a text message from my ex-husband saying Discover had called him looking for me. He has NEVER been on the account or associated with the account in any way
and Discover would NEVER have been given permission to contact him on my behalf under ANY circumstances. This was NOT a matter of me having defaulted on my bill for a year or something similar, which would be understandable. Rather, this was a matter I had ALREADY TRIED TO ADDRESS less than 24 hours prior and there was NO reason he should have ever been contacted about my account. When I contacted Discover, they said that they had found the number on my credit bureau report as a number I had been associated with historically. This number was NOT given to Discover by me in association with the
account at any point in time, and again, my ex-husband has NEVER had permission to have any sort of information given to him. Following this huge breach of privacy, I closed my discover account on XX/XX/XXXX.
Consumer complaint received 2022-04-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I Filled A Dispute With My Bank I Was Incarcerated While My Card Was Being Used I Uploaded The Documents To Them Etc They Issued Credit Took The Credit Back About XXXX Weeks Later. Sent Mail To My Mailing Address Not Saying Why The The Decision Was Mad Also Documents That Dont Have Anything to Do With The Case Now My Account is In The Negative
Consumer complaint received 2021-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

I have two fraudulent accounts now owned by Portfolio Recovery Associates that originated with XXXX XXXX XXXX XXXXXXXX. Neither of these account a are a result of any credit I established nor have I lived at the Ohio residence the statement summaries were sent to. The accounts are for XXXX and XXXX Acct # XXXX Amount : {$1200.00} Opened : XXXX Credit card Status : Seriously past due assigned to collections Acct # XXXX Amount : {$220.00} Opened : XXXX Credit card Status : Seriously past due assigned to opting dispute they directed me to ftc.gov and advised me to fill out complaint there and forward receipt to collections Portfolio Recovery Assoc Contact info for Collection Agency ;. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX Upon attempting to file dispute they advised portfoliorecovery.comme I would need to go to ftc.gov and file it then forward receipt to XXXX XXXX
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC (FL)

i received a copy of my credit report and found collection debts that did not belong to me and was a result of identity theft. I disputed the accounts and reached out to the companies involved and to my dismay these companies did 3 things. They removed the debt from my account and sold it to another collection company who in turn placed it back on my credit file. They updated the information without doing an investigation according to the fcra laws set in place to protect me as a consumer. They also sent me copies of bills that still didnt belong to me but nothing of an original contract bearing my signatre or copies of my personal information.
Consumer complaint received 2018-04-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Columbia Recovery Group LLC (VA)

XXXX XXXX XXXX garnished my son 's wages in violation of both Arizona and Washington law by failing to provide proper notice. They then garnish XXXX pay which was exempt from garnishment, again in violation of law. When we had an attorney contact them regarding this, after not responding toe the attorney for almost three weeks, they finally agreed to reverse the garnishment - BUT NEVER DID SO. We then settled the matter for {$4000.00}. They still did not stop the garnishment, and just garnished my son 's wages AGAIN! And they haven't ever reversed the garnishment or refunded the monies taken in violation of the law. They are rude. They don't return calls or emails. They are snooty and seem not to even care that they are violating the law. I find the way they treated us to be disgusting and shameful. I am pretty sure they treat other consumers in similar manner
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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. (NJ)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following items to be removed from my file as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-09
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On XX/XX/2022 i sent dispute letters to the credit bureaus asking to get some inaccurate items removed from my credit report. It has now been 62 days & these items are still showing on my credit report. I have not received any letters explaining the outcome of my dispute. These inaccurate items are preventing me from applying for a mortgage to get my home. Please assist with getting these items removed from my credit reports ASAP. Thank you for your assistance.
Consumer complaint received 2021-09-03
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HUNTINGTON NATIONAL BANK, THE (OH)

I closed all my accounts with my former bank in XXXX of this year. When doing so I understood that I could still have access to my statements online if needed for 2 years having been enrolled in the bank 's paperless statements I had been receiving them online only. This week I had need to view my statement to find a specific transaction so I logged into online banking only to discover that there were no accounts showing and no way to view my statements. I contacted the bank via their chat app and the agent who assisted me told me my only option was to go to a branch where they could print a statement for me at a cost of {$5.00}. I find this to be unfair as I had enrolled in the bank 's promoted paperless statement program and was more than willing to serve myself online where I had previously had access to my statements at no charge. Also in doing my own research I understand that the bank has an obligation to provide me with a statement if there were electronic transactions in the statement cycle and there were.
Consumer complaint received 2024-02-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2021-06-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (TX)

In XX/XX/XXXX when corresponding with Chase re : mortgage loan ( ... XXXX ) payoff due to an investor interested in purchasing, learned that the balance/payoff on account was over {$29000.00}. When I inquired by secure message on CHASE account website, what happened to my 15year mortgage request of XX/XX/XXXX to rehab historic property, CHASE responded three times that my payments were on time and my account up to date. The representative would also include account activity confirmation. So, when reviewing the account activity, I inquired if my 15 yr home loan was processed as an interest only account ( heard about on TV ) because the chart showed that even though monthly payments in excess of minimum were most often made, the balance remained in the $ XXXX 's for at least 5 months ( for example, reference : XX/XX/XXXX - XX/XX/XXXX on attachment ). I was finally advised finally the account is a 20-year Home Equity Loan yet no explanation re : what occurred to breakdown communication 15yr home loan request. It is my opinion that I was discriminated against in many ways by CHASE as they did whatever they desired.
Consumer complaint received 2019-11-05
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: EQUIFAX, INC. (MI)

There was an account opened on XX/XX/2019 with XXXX XXXX XXXX XXXX with a balance of {$16000.00}. I made payments on this account while trying to get it disputed. As well on XX/XX/2019 another account was opened with XXXX XXXX XXXX XXXX with a Balance of {$20000.00}. I made payments on this account while trying to get it disputed. This is a fraudulent account results of Identity theft. I was told from the company that these accounts were registered in XXXX, XXXX and I reside in XXXX XXXX.
Consumer complaint received 2024-02-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: W&A Intermediate Co., LLC (AZ)

Theres a collection agency called WAKEFIELD & ASSOCIATES reported a false Debt amount of {$820.00} on my credit account XXXX and XXXX on XX/XX/XXXX Which I do not know where it came from the debt not belong to me I immediately called the company to ask them to remove the report from my account and I made a despute from XXXX and XXXX XX/XX/XXXX and then they get me the report that they cant remove the debt which the company said its accurate I called XXXX to appeal the decision but nothing seems to be done to remove that collection on my credit report it really hurting my life now Please I really need your help.
Consumer complaint received 2023-01-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NJ)

My account was unexpectedly frozen on XX/XX/15. No reason on a random day. I sent my license information and other documentation needed and 2 months later nothing has been resolved. I sent over another email- again nothing.
Consumer complaint received 2020-10-13
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. (CA)

On XX/XX/XXXX, I paid off my entire balance with XXXX XXXX. The payment of {$2600.00} was posted and my balance was changed to XXXX in XXXX, I looked at my credit report and it stated my balance was XXXX and I was past due. On XXXX, XX/XX/XXXX, XXXX, XXXX, I have submitted disputes online with Equifax and uploaded bank statements showing the account was paid, XXXX XXXX statements showing a XXXX   balance and a letter from XXXX XXXX stating the balance is XXXX  and closed in XX/XX/XXXX. All 4 disputes have come back stating XXXX XXXX is confirming the balance of XXXX as valid and past due. I have spoken with XXXX XXXX every time and they confirmed they report the true correct balance of XXXX  and last did so in XXXX. I have talked to Equifax 5 times including managers and they state there is no human that can read the uploaded documents and adjust my credit report. The bottom line is I paid the balance in full on XX/XX/XXXX and closed the account a few weeks later. Equifax has all the documents and refuses to help. They won't even let me speak to a manager today, literally hung up on me 3 times. I really need help, this debt is hurting my credit. Thank you.
Consumer complaint received 2018-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Convergent Resources, Inc. (GA)

Hello, I am seeking resolutions to handling FCRA violations done against me by the debt collection agency, XXXX XXXX, who is violating the provisions of the FCRA, which has caused my credit score to drop tremendously, resulting in receiving higher interest rates on loans. 
XXXX XXXX XXXX, is committing violations to the FCRA. They also are involved in or party to what is considered, " double jeopardy '' where this account has previously been with multiple other collection agencies that were removed from my credit files only to be purchased by XXXX XXXX XXXX and falsely reported the same account with the same " Original Creditor-XXXX ''. If an item is changed or deleted, the credit reporting company can not put the disputed information back on my file unless the information provider validates that the information is accurate and complete ( which it is neither ). I have documentation showing that this account was previously with other collection agencies and removed from my credit files, only to learn that now the same account is being falsely reported to XXXX and XXXX   credit reporting agencies. I am still trying to understand how XXXX XXXX   was able to just report on the same inaccurate, incomplete, invalid and false information back to the credit reporting agencies, of the same account previously removed.I hope that you are able to assist me in having this unscrupulous debt collection agency reported and held accountable for their intentional violations to FCRA.
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Herbert P. Sears Co., Inc. (CA)

I take care of my responsibilities. I am escrow when all of a sudden this unknown to me collection account appears of my credit. It says the debt was originated from XXXX XXXX. I have never been to a XXXX XXXX nor have i ever had any wok done by them or any of their affiliates- I also have XXXX insurance. 

That said, HP Sears has placed an unverifiable debt on my credit. I have sent them a dispute and i have been ignored. Account Number XXXX
Consumer complaint received 2018-04-05
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (OR)

About two or three yrs ago. I have paid this company my loan and have paid it in full amount. Last and today XX/XX/18 I called XXXX XXXX XXXX XXXX at the near by store and the clerk told me that I have not paid my loan in full. I told them you have to call these number so I did XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ask collection why they have not cleared me out of their system that I have paid off my loan. The woman at the XXXX XXXX said it was not them that collected the money from me it was another collection agency that were handling my bill. 

I was told to call them. I told XXXX XXXX XXXX that I have paid all the loan. why cant they clear me out of their system. 

XXXX XXXX consumer
Consumer complaint received 2018-09-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc. (OH)

On XX/XX/XXXXSeterus purchased and enforced a forced place insurance policy on XXXX XXXX XXXX XXXX without notice and while the property was under a federal stay. The XXXX had insurance on file in the case documents for the property with the bankruptcy court at the time of the placement. This illegal creation of the escrow account for forced place insurance in XX/XX/XXXX lead Seterus to pay off one of the Debtors tax plan agreements in XX/XX/2013. The XXXX XXXX XXXX XXXX treasure had agreed on plan and this payment plan was part of the Debtors confirmed bankruptcy plan in the amount of {$1500.00}. Seterus then added the tax plan balance to the illegal insurance escrow balance and began trying to collect from the debtor. Seterus was notified by the debtor that these actions were illegal in XX/XX/XXXX. The XXXX refused to pay the added illegal expense. Seterus raised the monthly payment to force the Debtor to pay the added bill or face foreclosure action. I have enclosed a Conditional stay of relief as a exhibit. Seterus will state that because of this relief they had the right to insure this is not true for two reasons. 1 the insurance predates the file date of the relief. 2. I had insurance on file with the court. Seterus just flat out violated my bankruptcy plan by paying off my tax plan and billing me the balance at a shorter term. Seterus needs to recognize what they have done and correct the loan back to the improper insurance XX/XX/XXXX. Seterus has been avoiding sending back a answer though the CFPB because the company has violated my bankruptcy rights and the FDCPA by trying to collect bankruptcy XXXX debt along with insurance fraud.
Consumer complaint received 2023-01-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IN)

On Saturday XX/XX/2023, I turned my XXXX on at approximately XXXX. I attempted to use my XXXX app. I was greeted with a message stating my account had been locked due to suspicious activity and that I needed to call for verification. I called the number provided and successfully completed the verification process, to which I was told that there had been multiple failed attempts at logging into my account to prompt the lock. At approximately XXXX XXXX  on the same day I attempted to use my debit card ending in XXXX and the transaction was declined. I once again called XXXX to see why it was declined. At this time I was informed that my account had been reported as receiving a fraudulent {$90.00} transaction and that my account was frozen until an investigation was completed, up to XXXX  days. I requested that the exempt funds be released immediately to which I was told no. Since that date Ive had multiple automatic bill pay accounts be declined by Chase. It is sunday XX/XX/2023 and my account is still frozen. I have not been contacted by any investigator from chase, the {$90.00} transaction has been deposited to my account even though I didnt ask for the money and have no knowledge of where it came from. My account has a {$1700.00} balance and due to chase declining transactions Ive been accessed late payment fees, returned payment fees, and now have a auto insurance cancellation letter.
Consumer complaint received 2021-09-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NY)

Back in XX/XX/2021 my car was charged fraudulently by XXXX i reached out to my Wells Fargo they credited me after a few weeks i received a later implying they saw the error and it was permanent next day funds are removed account negative these charges were fraud i am not responsible
Consumer complaint received 2020-10-13
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC (MI)

Ended forbearance at end of XXXX. Paid amount due in full. Need letter stating no longer in forbearance AND balance due was paid in full. I have been on the phone with Amerihome mortgage at least 5 times over the last 3 months and promised a letter stating the above. Have never got a letter stating forbearance ended AND past amount due paid in full. I can not get another loan approved until XXXX gets these letters. I have been trying for 2 months to get these letters. I call every two weeks. The lack of letters ( and my inability to get a loan I qualify for ) is causing financial hardship due to Amerihome incompetence. The agents there try, but the request gets passed to a different department that keeps sending form letters that aren't what I need. Three months in. No end in sight. Please help.
Consumer complaint received 2021-06-28
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)

The bureau have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.