davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (VA)

I had   XXXX   XXXX   with  XXXX   XXXX   XXXX   XXXX   XXXX . When I was on the middle of my treatment I have received an statement with a total balance that according my calculations I am not owing. I have requested another complete statement with all the charges and the payments received from my insurance and from me, since I started my   XXXX   XXXX  .   When I reviewed the statement at home, I realized that there are charges as " miscellaneous insurance refund '' and " miscellaneous credit adjustment '' that are not   XXXX   XXXX  . they added 3 times similar amounts that totalize more than {$1000.00}. I was very upset and I have informed them personally and also over the phone about the error and that I am requesting the corrections on the amounts added. I was surprised when I have heard other patient complaining about the " miscellaneous '' charges on the statement too. I did a research in the internet and I found other persons with complaints for similar situations with  XXXX . I concluded that the charges are fraudulent and they did the same thing to several patients. In additi on one payment that my insurance sent to them is not reflected on my account and they refused to  correct that. I have documented proof that I am not owing the amount that they are trying to collect. I am an honest person, I always pay the debts I owe, but I am not willing to pay fraudulent overcharges, I have pay them my treatment I am not owing anything.
Consumer complaint received 2024-02-06
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. (CA)

Entries are unauthorized and reporting as past due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations of 15 USC 1602 ( p ), 15 USC 1666b ( a ), 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), 15 USC 1681s-2 ( a ) ( 7 ) ( A ) ( i ), 15 USC 1602 ( k )
Consumer complaint received 2022-08-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

1.I have never had an account with this company I C SYSTEM XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are I C SYSTEM the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (CA)

This complaint is in regards to  Hunter Warfield .  Best Property Management Inc,  and   XXXX   XXXX   is attempting to collect on a debt that is not owed.   XXXX   XXXX   XXXX   is a property management company. The owner of the property and I have a dispute.   XXXX   XXXX   sent this matter to a collection company called  Hunter Warfield. Hunter Warfield pulled my credit report without my permission. Before they had mail me a letter, the pull the credit report from  XXXX . This is wrong.    The matter is in question was filed with the  California Fair Housing and Employment  agency. A lawsuit is pending on the matter. Best Property Management is a defendant in the matter.  XXXX   XXXX   XXXX  does not represent the owner. She has an attorney. This collect attempt is unlawful.      Hunter Warfield do es not represent the owner of the property. He does not have permission to try and collect on a disputed debt. Surely, I have 30 days from the receipt of the notice to protect the amount demanded. I wish to have the matter dropped and for the owner 's attorney to continue pursuing this matter.
Consumer complaint received 2022-08-10
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. (NJ)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-08-10
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)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2022-03-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (VA)

I was affected my COVID-19 severely and wrote to credit acceptance to request that they remove the late payments off my credit report due to me becoming unemployed. They never responded to me nor wrote me back. While reviewing my credit files I discovered that they just put comments on my report " affected by natural disaster ''. Which doesn't help me all, but yet they still reported my late payments. Then they created a program where they would not report payments to the credit bureaus but yet still reported late payments on my credit file. This company is very deceiving and destroyed my credit. 

Also I contacted the bank recently to voluntary surrender the vehicle they stated they already had a repossession order out for the vehicle almost a month before I called. But stated that it will be reported as a regular repo on my credit. And also failed to contact me in regards to that. XXXX XXXX.
Consumer complaint received 2022-08-10
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. (OH)

In accordance with the FCRA the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXXXXXX. USC 1681 Sec 602a states that I have the right to privacy. 15 USC 1681 Sec 604a Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.

Ive spoken with XXXX and confirmed I never opted in to reporting and that Pursuant 15 6802 I was never given proof of my ability to opt out of credit reporting which is a violation of my rights. The credit bureaus are working with this company to defame me and have ignored all requests to rectify the situation without federal litigation.
Consumer complaint received 2017-04-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (MI)

I worked with Navient to reduce my student loan payments on an income based plan. I got a letter stating that my payments would be {$0.00} per month ... but I am still being charged a {$180.00} per month fee, stated as a " Life of loan '' fee.
Consumer complaint received 2024-02-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. (NY)

Coinbase has updated their platform several times over the last few years. Their " gdax '' trading platform changed to " pro.coinbase.com '' which is now " advanced coinbase '' and their coinbase.com platform has significantly changed too. They shut off access to the old sites. 

Crucially, they did either correctly or completely transfer transaction records between their sites. Now, when I ask for a complete transaction record on coinbase.com, the reported transactions do not add up. There is at least one missing cryptocurrency purchase transaction, or alternatively, there is a missing {$2000.00} from my account. There is even a " transfer '' in the transaction history that says " transfer from _____ '' with nothing after the from. Furthermore, asking for " all transactions, all currencies, all time '' reports from one part of their platform vs another, yields completely different results. What a mess. 

I've uploaded XXXX reports, both of which purport to be " all transactions all time, '' XXXX from coinbase.com and XXXX from advanced coinbase. Neither shows transactions that correlate with the XXXX balance in my account ( XXXX ) The reports not only do not add up, but they make no sense. When I try to navigate their " help '' section, the links take you on a journey which is a loop right back to the same initial " help '' section, never offering an option to email support. The only option appears to be a chatbot, or waiting endlessly ( many hours now, tried several times ) for an agent to show up in a chat session. Even if an agent eventually shows up, there is no guarantee I'll be at my computer, and their chat app does not send out notifications. 

In other words, there appears to be no way to actually speak to someone to resolve the issue.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX XXXX is despicable & reporting lies on my credit report multiple times. I have all the proof of my on-time payments. They are making up dates & payments. They reported me 30 days late on my credit. Then when I proved it was on time they took it off. Now, they are doing it again when again there is no 30 day late payment. These creditors are abusive bullies & need to be stopped. I will be filing complaints with the Attorney General & the FCC
Consumer complaint received 2018-03-21
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: The CBE Group, Inc. (CA)

They continuously and repeatedly call me despite being advised I am not the person they are trying to reach. We share a name, but that is all. I have confirmed my information several times in the past, I have checked my credit reports I am not the person they are seeking. I am receiving multiple calls daily at this point interfering work, I have asked them repeatedly to stop calling. When they call they are badgering, demanding I give them my SSN or other personal info without providing any context to the call, it has only been when I call back that I am able to obtain the name of the company and discern the purpose of the call.
Consumer complaint received 2018-03-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NJ)

On Saturday XX/XX/2018 an unknown individual walked into a TD Bank located in XXXX, NJ ( XXXX XXXX XXXX XXXX XXXX, NJ XXXX  ), fraudulently without my knowledge filled out a withdrawal slip with my banking information and signature and withdrew {$500.00} from my checking account. I have notified the bank, TD, and filed a police report. Upon finding this information out on the following Monday when the withdrawal posted to my online banking statement, I immediately notified the TD Fraud department and my local branch. I discovered during conversation with 2 individuals working at the XXXX, NJ bank and XXXX, NJ bank that it is not mandatory TD protocol to check state issued identification with a withdrawal. It was stated to me that it is the tellers discretion to check ID and for amounts less than {$500.00}, they may choose to verify the signature. A teller is not a handwriting specialist trained to distinguish forged signatures. This lack of protocol or enforcement of safety procedures to ensure the safety of their customer accounts is highly concerning. I find this information incredibly violating that any individual that has ever retrieved a check or has stolen your bank account number can walk into a bank, forge your signature, and walk out with your money without questioning. This is blatant negligence on the part of TD bank and the teller. The funds have yet to be refunded and must await completion of the police investigation. So the consumer is being penalized for TD 's mistake.
Consumer complaint received 2017-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (WA)

In applying for a new home loan, it was brought to my attention that my credit report contains a " serious delinquency '' apparent on both  XXXX  and  XXXX . I was able to research a bit more using   XXXX      XXXX   and found that I have two missed payments ( 90 days and 120 days ) late on a Federal Direct Plus  XXXX  Loan with a date on  XXXX / XXXX / XXXX . The late payments occurred  XXXX  and  XXXX   XXXX , a time that I was still a full-time student. I have been in touch  with Nelnet, Dept of Education, an d NSLDS and no one has any information on who serviced the loan at the time of the reported delinquency. Nelnet reports beginning servicing my loan in  XXXX   XXXX  and has no prior information. NSLDS only reports Nelnet as a servicer. The delinquency is in error as I was a full-time student as maintained my deferment throughout that time. I need help identifying my loan servicer and removing this from my credit report.
Consumer complaint received 2022-09-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO. (TX)

Thank you for calling me back Friday on my Chase " check " issue. I'll just start from the top and give you all the info I have retained. If there's something we can do I'm in. 

I have spent hours in the office with my personal banker at Chase ( XXXX XXXX XXXX XXXX ) and he personally has sat on the phone and they keep telling us the same thing everytime. The company, XXXX XXXX is the checkmaker and I currently do consulting for them. Chase has given me two options as far as proving the check isn't fraudulent and belongs to me ( XXXX XXXX XXXX ). They think the check is fraudulent XXXX XXXX  mobile deposited it. Through Chase 's mobile deposit system the photo that appears at chase does not show the security tags on the check so they think it's fraud. I have proof however that chase has several of these mobile deposits from the same company that have cleared for other customers. 

Back to Chases options- The first option is getting the checkmaker from XXXX ( XXXX XXXX XXXX XXXX XXXX ) to walk into a chase XXXX-which doesn't even exist in XXXX. The second option is to have chase call XXXX ( which I've had them do till I'm blue in the face ). However, the Chase system will only allow certain numbers to be approved to let them call in. For some reason Chase will not call the main number and press ext 4 to speak with the accountant. The obvious step for Chase to engage would be calling the bank or noticing how I have a past wire from XXXX. 


XXXX XXXX XXXX XXXX  is XXXX XXXX XXXX. I've gone through Chase executive branch and fraud branch as well and it always comes down to these two options every time. I speak to XXXX at the XXXX branch XXXX XXXX XXXX ext XXXX and as far as the fraud branch goes half the time someone from XXXX answers. 

I figured in the beginning it's only a check for XXXX so I'll mobile deposit it to make it easy. However, The past few weeks have been super frustrating trying to work this out and the last thing I want is for Chase to keep this money just on principle.
Consumer complaint received 2022-03-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (WA)

I called about an unauthorized charge. I was told that they had to cancel my card which I was not happy about and did not want to happen. Ive been called back to acquire my new card information because they told me they would provide me that over the phone but I was with a patient had to get off the phone and called them back. When I called them back Ive identified myself by jumping through their mini hoops they provided me my card number and my expiration date and then hung up on me. I called back because they had hung up on me and had not provided me with a three digit security code and I was then told I would not be getting it and I would need to wait 10 days for my car to arrive because I was being either forced to set up a digital wallet. That is not my financial choice, I do not want to digital wallet they need to provide me my data. I essentially was told that I can only have my financial information if I set up a digital valet which is extortion. It is extortion to see you can have your card information issue set up an account with this or that service. This is a conflict of interest and none of their business.
Consumer complaint received 2018-03-21
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: PENNYMAC LOAN SERVICES, LLC. (LA)

I have my payments set on auto-pay so that I know I can pay on time. The loan company published on my credit report that I was 30 days late on payments. They didn't call me until after it was reported on my credit that I was late on a payment. I called and told them it was wrong information and that I had recently move. they didn't try helping me by giving me a late forgiveness since I've always paid on time. I would like to continue with this company, I just feel I'm not currently being treated fairly. The payments are due on the first so I have my accounts to pay on time. for some reason they had issues pulling money but didn't tell or contact me till after I was late. Whenever I check the account, I always see their withdrawal. Then they didn't even tell me that I had another payment due, then called me once it was past due and late.
Consumer complaint received 2022-09-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting act, XXXX, Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes