davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-17
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. (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX ******* XXXX Date Opened : XX/XX/19 Balance : {$22000.00}
Consumer complaint received 2021-03-29
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: EQUIFAX, INC. (TX)

I started disputing some inaccurate accounts and collections on my credit on XX/XX/XXXX with a follow-up dispute sent on XX/XX/XXXX. I just completed another XXXX today, XX/XX/XXXX however, during this entire time, none of the bureaus have responded or sent me any correspondences regarding my disputes. I don't feel as though they're doing what they're legally obligated too, even if it's just sending something that they received my dispute, but they haven't even done that!
Consumer complaint received 2022-04-28
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: Experian Information Solutions Inc. (NJ)

Im accordance with the fair Credit Reporting Act # XXXX, has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a Credit Card under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-03-29
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WSFS FINANCIAL CORPORATION (NJ)

This complaint concerns HELOC loan account number XXXX. This loan was paid off on XX/XX/2021 in anticipation of the sale of the residence. I received a letter dated XX/XX/2021 from the bank indicating the loan was paid in full. However, they have refused to file the proper paperwork with the County Recorder of Deeds in a timely manner. This will be holding up my closing.
Consumer complaint received 2018-03-01
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Advantage Collection Professionals, Inc. (KY)

today XX/XX/XXXX advantage collection professionals called me stating I owed over 1300 hundred dollars from where I had XXXX  in XX/XX/XXXX. I called XXXX XXXX XXXX in XXXX ky XX/XX/XXXX XXXX looked at my file and said I owed nothing to them, that if I did owe anything not paid the business office would contact me before a debt collector. So then I called XXXX XXXX which I paid off the rest of my eye bill XX/XX/XXXX of XXXX. They put a note that bill was paid in full and no balance owed on that card. Not sure if this is a scam or what just want it sorted out. XXXX was paid in XXXX and XXXX was charged on XXXX XXXX which I have already paid off in full.
Consumer complaint received 2024-02-03
Product: Credit reporting 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. (IL)

I did not authorize any of these inquiries that are on my Experian report. 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 and XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2021-05-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They keep calling me while I am at work, in the mornings and evenings and also on the weekends from different numbers and I have asked them politely to stop. I keep telling them to stop calling me and they will not stop. This company has so many phone numbers that the only way to block them is to never answer the phone. They disturb my work time and I have had them call while I am in meetings and it is affecting my job. 
They just called me again from XXXX at XXXX XXXX today XX/XX/2021 I have literally blocked over 40 numbers from them and I would guess they have called me over 100 times. This is madness. 
They have been told numerous times on their so called recorded line to stop calling me. 
Portfolio recovery is the worst and they dont seem to care about the law because I guess they think they are above it.
Consumer complaint received 2020-10-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: TRANSWORLD SYSTEMS INC (CT)

The private student loans are being handled by UAS, https : //www.uasconnect.com/. On XXXX I authorized a payment of {$33000.00} to pay off a student loan. That amount was debited twice from my bank account, leaving me with practically no money left in my account. I discovered the issue of XXXX, attempted to contact UAS but they have no phone or email support on weekends. I sent multiple emails hoping for a response but did not receive one on Monday XXXX. On Monday XXXX I spoke to UAS representative who indicated UAS had record of only a single withdrawal of {$33000.00}. I contacted my financial institution, XXXX XXXX XXXX XXXX who verified that 2 unique transactions of {$33000.00} had been issued to UAS. XXXX provided documented evidence which I then forwarded to the designated UAS contact, XXXX, XXXX XXXX. That representative forwarded the information within UAS. On XXXX I received an email from XXXX XXXX of UAS apologizing and telling me that a refund of {$33000.00} was requested to be refunded to my bank account. It is now XXXX and my money has not been returned to me. I am very few funds left to conduct necessary financial business such as paying bills, purchasing food, etc. The lack of response and accountability here is criminal.
Consumer complaint received 2021-12-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

FRAUDULENT APPLICATIONS WAS SUBMITED TO  XXXX SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO  FRAUDULENTLY OBTAIN GOODS OR SERVICES THE ADDRESS USED WAS : XXXX XXXX XXXX XXXX OHIO XXXX PHONE NUMBER XXXX XXXX ) XXXX THIS IS NOT MY INFORMATION
Consumer complaint received 2021-07-17
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Consumer complaint received 2021-05-26
Product: Credit card or prepaid card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO. (VA)

CHASE SENT ME A CHECK FOR {$35.00} WHICH I DEPOSITED WITH MY BANK ON XX/XX/2021 AND ON XX/XX/2021 THE BANK TOOK THE MONEY BACK AND CHARGED ME {$15.00}!!!! APPARENTLY CHASE SENT ME A BOGUS CHECK OR STOPPED PAYMENT WITHOUT TELLING ME BUT I WANT ALL MY MONEY BACK INCLUDING THE {$15.00} I WAS CHARGED FOR THEIR BOGUS CHECK!!!!! THIS IS COMPLETELY UNACCEPTABLE!!!! NO WONDER I STOPPED USING THEIR CREDIT CARD, CUSTOMER SERVICE XXXX!!!!!
Consumer complaint received 2021-01-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC. (VA)

HalSted : please stop all emails, calls, mail to me in reference to a credit debt with XXXX, ASAP! 
This is an old account that was addressed and resolved years ago with XXXX and XXXX credit card with commentiy capital bank. 

Any further contact on this bill, please contact your XXXX representative directly. You can also contact CFPB, as this issue was reported through to them, at time of issue and XXXX and their XXXX credit card XXXX XXXX XXXX, CHOOSE to did nothing to fix the fraud on my acct. 
All items I purchased through XXXX, were paid for in full during 1st month of order. XXXX XXXX XXXX XXXX credit card, chose to NOT to apply full paidments to my accts. XXXX refused to talk to me and and XXXX XXXX XXXX would do nothing to fix my account, refuse to send a copy on my acct to me, assign a rep. to review my accts ... ... on and on. This bank was reported to CFPB then, and all reports are public repord. Bank did not nothing to fix my acct. I CAN NOT make bank pay XXXX. 

I have over 10 complaints for XXXX XXXX XXXX XXXX credit card, for abuse of my account. XXXX was not interested in the problems then and did nothing. THIS ISSUE IS RESOLVED, as XXXX selected this bank to manage XXXX consumers accts. XXXX contracted with this fraudulent bank, this issue is now between XXXX and bank. 

Halston educate yourself with XXXX XXXX XXXX thru CFPB. This bank was/is found to be a major fraudulent bank, FACT, and has taken money for thousands of consumers. Stopped all contact with me on this bill. XXXX stop all attempt to post this false debt on me. XXXX your issue is with bank you contracted with, NOT ME. TAKE responsibility!
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ad Astra Recovery Services Inc (CO)

XXXX XXXX XXXX I am responding to your response. Once again I am asking you guys to prove to me that I have any obligation to pay you for a debt that is with someone else. I am not admitting to this debt but I have no obligation and no contract with you guys to pay a debt that belongs to the original creditor. You have purchased this debt from them and with that being said the debt is not valid with you please cancel the documents you have sent me. I am looking for a contract between your company and me showing that I owe you this debt. If you can't provide that then this debt needs to go back to the furnisher and they need to contact me to settle the debt. I don't need documents from the actual creditor I need a contract with you guys with my signature. This is what I am looking for and if you can not provide that then this needs to be taken off my credit report.
Consumer complaint received 2021-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: DISCOVER BANK (GA)

Discover Financial is report inaccurately when my credit report was pulled. Although charged off in XXXX of 2019 there shows an updated balance that reports every month. This is a violation of FCRA and should be corrected to be a closed account in charge off status without a monthly reported balance.
Consumer complaint received 2020-09-08
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 (MI)

XX/XX/2020 I received a Lexis nexis credit report of which it was quite detailed although I noticed a misspelling in my name under SECTION 7 :  BANKRUPTCY RECORDS on page 101 I disputed this information in XX/XX/2020 and Lexis nexis sent a letter in XX/XX/2020 stating it was not mispelled.
Consumer complaint received 2021-01-09
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (MI)

My name is XXXX XXXX I purchased my vehicle on XX/XX/XXXX, from XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXX. When I purchased my vehicle it was already a two-year-old XXXX XXXX XXXX. And the As-Is purchased price was {$15000.00} I made payments from XX/XX/XXXX, until XX/XX/XXXX. At the time of my accident, I had paid Santander {$22000.00} to Santander Consumer USA. I submitted my claim to my Gap insurance company XXXX XXXX XXXX XXXX ( XXXX  ). The GAP insurance should have paid the remaining balance of {$5100.00} but paid {$77.00}. XXXX dollars. And Santander has charged me {$22000.00} so far and now asking for an additional payment of {$5100.00} for my used, totaled vehicle XXXX XXXX XXXX. Of which was savage and paid off by XXXX XXXX XXXX paid over {$6100.00} shortly after my car accident. I was under the impression that everything was paid in full. I received harassing phone calls and statements through the mail from Santander Consumer USA. The problem is I paid Santander {$22000.00} more than the purchased price AS-Is- the price of {$15000.00}. The purchase in XX/XX/XXXX of a two-year-old vehicle was {$15000.00} they overcharged for the vehicle before it was purchased. I paid {$22000.00} already. And now they what me to pay an additional {$5100.00} after the vehicle was totaled on XX/XX/XXXX. And the insurance paid {$6100.00} and I had full coverage and GAP insurance. The GAP only paid {$77.00} because they stated my full coverage paid {$6100.00}. That does not matter if my insurance company paid their part GAP should have picked up what was due. And Santander should not be harassing me at all period? Please help me recover money if I can for the overpayment of the XXXX XXXX XXXX. I believed I was overcharged and there is some kind of law that protects buyers from being overcharged on used vehicles. As well as hold XXXX XXXX XXXX { GAP } accountable for making the necessary payments on my behalf. By paying the existing balance of the salvage, totaled XXXX XXXX XXXX vehicle. Can you have whomever you forward my documents to? Check for all wrongdoing on whomever part. I have enclosed all the documents in my possession on the XXXX XXXX XXXX. I can be reached by cell at XXXX XXXX and on my home phone at XXXX XXXX or by XXXX XXXX.
Consumer complaint received 2020-11-13
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. (NY)

Transunion is in violation of the fair credit. My understanding is they have 4 days to block the fraudulent items on my credit report. They have failed to do so in that time frame.
Consumer complaint received 2019-08-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Kentucky Higher Education Assistance Authority (MI)

Kentucky Higher Education garnished my check for a little over $XXXX The last Garnishment (XX/XX/19 payroll date) not only took my balance to $XXXX but KHE now owes me $XXXX for over payment.onXX/XX/XXXX I got a letter from the treasury advising of an offset of $XXXX paid to KHE. now bringing the balance owed to me from KHE to $XXXXonXX/XX/XXXX i find out i am still being garnished and another payment was sent to KHE in the amount of $XXXX   bringing the balanced owed to me from KHE to $XXXXWhen calling the KHE debt recovery department the representatives and supervisors are all rude and argumentative. They threaten to hold my over payment of $XXXX for 30 days and not pay me interest. They won't sent me a paid in full letter for 30 days and refuse to help. they mentioned multiple times through the conversation that "we had to forcibly get payments" which is irrelevant since there is not only a $XXXX  balance but money owed to me and it should not take 30 days to get it back to me
Consumer complaint received 2018-12-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AMERICAN EXPRESS COMPANY (FL)

XXXX attempted to reach me at my place of employment. The representative, Mr XXXX spoke with our receptionist at the office demanding to get in touch with me. Mr . XXXX explained to her that he has left me numerous messages over the past few weeks but never heard back from me. She called me worried that there was an emergency because Mr . XXXX was so adamant about reaching me. He would not give her his contact information or business he was calling from. I have been at this employer for 1 month and having 'someone ' contact me and say I have not returned numerous calls to a 'mystery person ' is extremely unprofessional and will result in me having a negative review on my on work history. I contacted Mr . XXXX  at XXXX and told him to NEVER contact my place of employment after speaking with another colleague of his stating the same thing. Here is a list of numbers XXXX has contacted me from : ( XXXX  ) XXXX-XXXX, ( XXXX  ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX ) XXXX-XXXX, ( XXXX   ) XXXX-XXXX  and ( XXXX  ) XXXX-XXXX. XXXX
Consumer complaint received 2020-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (MA)

on XX/XX/20 i sent a check to hsbc bank i waited several weeks for the XXXX to be posted. i call hsbc on XX/XX/20 and spoke with a lady first who passed me off to a manager named XXXX he asked if i was paying off the bill i stated i was putting money on my account and i asked him i he could take the esc money to pay loan off in full.. XXXX stated you cant use that esc money to pay off loan. XXXX then stated all pay off have to be paid off in full by a certified bank check.. i question him on the fact every payment for the last 20 years was cashed and it was from my personal bank acct, XXXX then stated the check was mailed back to me ive waited 10 days and still no check/ now i get a letter saying i am delinquent /where my check. please have some one who is people friendly call me
Consumer complaint received 2023-01-18
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: Experian Information Solutions Inc. (NJ)

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 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  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 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 2019-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (FL)

On XX/XX/2019 $XXXX was taken out of my Chase checking account and it was labeled "Returned Check."I discovered this on XX/XX/XXXX, Friday, when I went on line to check my account.  I immediately called Chase.  After 3 hours on the phone being passed from one department to another, I was told I'd have to go to the branch.On Saturday,XX/XX/XXXX, I went in to the branch at XXXX XXXX XXXX.XXXX XXXX FL XXXX  and spoke with XXXX XXXX.  I sat at his desk for over an hour while he made a few calls.  I heard him say several times, "No, I do not want to be sent to another department.  I will hold."  As I said, after over an hour he is sitting on hold so I told him I have to leave and he said he would call me in 15 minutes.  That was Saturday.  He finally calls me back Monday morning to tell me he has no answer why the $XXXX   was taken from my account.  I told him I wanted to speak to someone higher in authority.  He said he would call me back.  He never did.  I still have no answer!!!