davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-08-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (CA)

XXXX is taking advantage of me for the last couple of years by charging me for a service that I could have done myself, they are still billing me monthly for {$39.00} USD monthly for the last 2 years +, I have emailed and called XXXX  and have not gotten a response, I also have reached out to a NY legal group and they recommended to reach out here to report this scam, I am attaching a case that they are currently fighting that directly relates to my problem XXXX XXXX XXXX
Consumer complaint received 2019-08-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. ()

This is related to the transactions charged to my account via debit card charges on XX/XX/2019. I had made a few debit card purchases in XXXX using my Chase debit card. On receiving my statement, I see multiple of these transactions and all of these transactions are showing this to be an ATM withdrawal from an ATM address in XXXX with the withdrawal being in XXXX currency ( Rupiah  ). I have never visited XXXX so I could not have withdrawn amount in XXXX currency. Moreover, I have enough evidence to show that I was in XXXX  on and around XX/XX/2019. This seems to be a incorrect or fraudulent transaction caused by Chase Bank or their associate bank operating in XXXX. I am not able to take this up with Chase Bank as they claim that their investigation with the ATM provider shows this to be a valid charge though I have evidence to show that I was in possession of my debit card and present in XXXX  at that time.

Further to this, the account has been forcibly closed without my consent with the reason provided as too many transaction where I have clearly mentioned that these transactions are unauthorized.
Consumer complaint received 2019-08-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Orion Portfolio Services, LLC (MA)

There is this account on my credit report from this company called ORIN PORTFOLIO SERVICES , LLC, there is also a different name which is XXXX XXXX XXXX XXXX XXXX. I have disputed this account with the credit bureaus and this dispute always results in the account being validated. This company claims that I owed some bank {$600.00}, and they are offering me to take off some amount of money if I pay them {$540.00}. First thing is that I have never heard of these two companies and I dont have any agreement with them saying that I have an obligation to pay them, I have two different letters from two different collection companies telling me that they own this account, which makes me think about who these people are. How can two different companies owe the same account at the same time? and as I was reading the letter from ORIN PORTFOLIO SERVICES, it says that they were hired by their own company to collect this debt, the other company that tells me that they own this account is called XXXX XXXX. If these companies are claiming that I owe them money then I want them to provide me with the original contract bearing my signature, I dont want a copy, I wont accept any copies of account statements or an itemized piece of paper because this is not enough to validate this debt. The FCRA says that a creditor or collection company must provide the consumer with the original contract signed in wet ink by the consumer in order to validate a debt. Like I said, I have never had an account with any of these companies and I am not paying a single dime until this account is validated the correct way. If this account cant be validated in the allowed time by law which is 30 days, then I want this account deleted from my credit report, I want these companies to send request to all the credit reporting agencies that they report to, to delete this account from my credit report immediately. I also sent a dispute letter to the original creditor of this account and they havent responded to my request for validation.
Consumer complaint received 2021-05-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (OH)

I'm having trouble with dates because now I'm stuck living in a van pay pal - netspend my wife deposited money to the card for unemployment its been 6 weeks she has been paid back by me the funds were for getting my car from impound deposit went through used card for a small purchase to make sure it worked the next day went to get car didn't work called they froze it because I was primary she was secondarily on the card I'd verification I sent the socuments and called multiple times transferred to multiple departments supervisor fraud department asked for legal department feel like they are just putting someone else on the phone but caused me to lose my car job and place in 6 or 7 weeks wont accept documents after being told in the beginning that they would close the acc and mail me a check waited 14 days called card still active called they said sorry couldnt do it. And the are still taking their fees out but I cant touch it and I have called like 13 or more time 's sent documents 4 or 5 times I'm at a los they already ruined my life I feel like and instead of being able to fix it I'm stuck on a phone on hold with no real benefit card had XXXX dollars on it so I pay for the card the fee 30 days still held hostage except the exception I owe a monthly fee snatch ok were even but who are you again I'm at a loss and don't know what to do
Consumer complaint received 2021-05-06
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP (CA)

I received a government ppp assisted loan approved by SBA. US bank received the funds from lender. The funds were made available by the ach department and available foe use I. My account all day. I went to the bank so that I could get a money order to pay Office rent. The branch teller required information about the loans which I gave. The teller placed a hold on the funds and put my account in the negative. Told me ach department had to verify the funds when in fact the ach department is the one who released the funds. I called customer service they were unsure why the hold was placed at the branch level but made available by the ach department. This practice of holding ach loans isnt listed in their fee schedule nor listed in the account. My loan was processed and approved by the sba government entity. I have payroll and office rent to finally pay but the bank wants to control the money. Us bank removed the funds from my account and I do not have access to the funds. They placed a 7 day hold which no one could explain why and was told to come back another day.
Consumer complaint received 2024-02-03
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. (MS)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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/year> According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2021-05-05
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC (MS)

My husband got sick last year and ended up in the hospital all of our income went to pay for his care, he is on XXXX, he was making the house notes out of his XXXX, the bank did a return of the note and had to access to make a payment on line, nor view our account. do to the medical bills and working from home to take care of him full time my pay decreased for a little while. we are desperate to keep our home as we have no place to go if we lose our home.
Consumer complaint received 2021-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (AL)

On XX/XX/XXXX I gave my son XXXX XXXX XXXX permission to drive my XXXX XXXX XXXX and on this day he was involved in a car accident which totaled out my car. My problem with this is the report has my information tied the accident along with his but it show my license number along with my Social security number. I need for this to be corrected because its affecting my car insurance rating. I need help with this please.
Consumer complaint received 2024-03-18
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (FL)

On XX/XX/2023 I woke up to emails saying my discover card was charged for XXXX separate hotels in the country of XXXX. The hotels were booked for the same day. Check in on XX/XX/2023. I called discover card and reported the fraudulent charges. They told me they are taking care of everything and reversed the charges, canceled the card, and sent me a new card. They advised I call XXXX, the travel company that the scammers used to book the hotels using my discover card. I called XXXX and they said since it was less than 24 hours to check in that they could not cancel and that I would owe the full amount even though the charges were not made by me and were fraud. I called discover back to explain what XXXX had said. The representative at discover told me not to worry and that since they reversed the charges and canceled the card that XXXX couldnt charge me for it. Now 3 months later discover added the charges to my new card and refuses to remove them and said I owe them for the XXXX hotels that were fraudulently made in another country. I have asked to speak to a supervisor numerous times and have yet to reach one.
Consumer complaint received 2021-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (IN)

I tried to talk to company and explain its not my debt in XXXX or XXXX when it appears on my XXXX XXXX  report. Even XXXX  XXXX  ( XXXX XXXX and XXXX ) disputed at that time. I am not Sure how it appear on XXXX  after I sign up for it month ago.
Consumer complaint received 2021-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I opened an account with credit strong on XXXX XXXX 2021. XXXX bill was not due till XXXX XXXX 2021. I have made a total of 5 payments since that date. That covered XXXX XXXX XXXX and XXXX payments. This company is supposed to help you build credit but they actually jave a deceptive practice and apply your payments to what ever they feel. I was sent statement of account from companyand it shoes clearly that all payments were made and next bill not due till XXXX then they actuall marked me for over 30 when i paid ahead of time. Please have them remove negative marks from credit.
Consumer complaint received 2017-12-20
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: Exeter Finance, LLC. (MI)

I was at a auto dealer on behalf of my brother as a cosigner. I ask the Salesperson to do not inquire my credit by more than one financial service ( creditor ). He agreed but I have three inquires on my credit report - XXXX XXXX, XXXX. In XXXX of XXXX I called the XXXX ( XXXX ) and asked why he did not follow our agreement and he 's response was that it was not him, it was his manager.
Consumer complaint received 2023-01-19
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC (NV)

XXXX through Cavalry SPV I and Attorney XXXX XXXX, XXXX has misrepresented the debt and has tried to intimidate and sue for an incorrect amount of debt. In fact, they have sued me for {$8100.00} while the debt previously owed to XXXX is less than {$4000.00}, they have reported and are trying to collect the wrong amount owed to XXXX. In fact, more than half of it includes junk fees as president Biden calls it. This is clearly a violation of Fair debt reporting practices and has damaged my credit and personal life
Consumer complaint received 2017-12-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

After looking at my credit report I saw this company, IQ Data had reported a collection account on my file. Knowing each company is to be bonded, I searched the Texas Secretary of State 's website and saw that their bond expired about 2 years ago. I wrote to them stating they are not operating their business legally and to cease collection as well as remove the item from my report. Despite me pointing this out to them they responded with a bill and has still yet to get a bond to try and collect the alleged debt.
Consumer complaint received 2017-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I had a IRS tax lien placed on me XXXX/XXXX/XXXX. I paid it off and the lien was released XXXX/XXXX/XXXX. Therefore, I have no balance and the negative report should disappear. I requested the change by XXXX and XXXX. They made no changes and claimed their data was correct. XXXX XXXX removed the negative report when I requested it.
Consumer complaint received 2021-09-23
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. (AR)

XXXX  XXXX  service has been attempting to collecting a debt. XXXX  when they were dispatched and were paid by insurance company. They continue to slam my credit with no attempt to contact me. The episode was over 4 years ago. Made attempt to have removed by Transunion but was declined. 

In Arkansas, contracts not in writing have a statute of limitations of 3 years ( A.C.A. 16- 56-105 ). Debts incurred for medical services have a statute of limitations of 2 years from the date the service ( s ) was rendered or from the date in which the most partial payment was made ( A.C.A. 16-56-106 ).
Consumer complaint received 2019-08-13
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: Experian Information Solutions Inc. (MO)

This fraudulent account has been deemed fraudulent via police report and through various of methods of dispute but still is reporting on my credit file and at this point I'm demanding the removal of these accounts hopefully this could be done without filing suit and/ or The FTC XXXX Please block the following accounts. 

[ 1 ] XXXX XXXX XXXX [ 2 ] XXXX XXXX [ 3 ] XXXX XXXX XXXX
Consumer complaint received 2022-04-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I noticed an account on my credit report back in XXXX of XXXX by the name of FAIR COLLECTIONS & OUTSOURCING, I immediately didn't know what the account was. After doing a little research, I see that the original creditor was TXXXX XXXXXXXX. I didn't know what that was. So I filed a police report and a Identity theft affidavit online and sent to all three consumer reporting agencies. I never heard anything back from FAIR COLLECTIONS & OUTSOURCING so I thought the account had been removed. I only get a free credit report once a year, so I don't check it often. Well when I checked my consumer report back in XXXX of XXXX, I noticed the FAIR COLLECTIONS & OUTSOURCING was still showing on my consumer report and under the notes it stated, the investigation of the dispute has been resolved. I was wondering how could that be because I was never sent anything verifying or validating this debt, nor was I informed about the investigation. So I resent my documents to the 3 consumer reporting agencies ( XXXX, XXXX, and XXXX ). Once again on XX/XX/XXXX I received an email saying investigation complete please check your dispute results online. Low and behold the account FAIR COLLECTIONS & OUTSOURCING is still on my report and the notes are reinvestigation complete this account has been updated. I still haven't received any documentation validating this account and this is not my account. The original creditor is XXXX XXXXXXXX. I have never heard or been associated with anything called XXXX XXXXXXXX. This is a fraudulent account and FAIR COLLECTIONS & OUTSOURCING are not investigating the disputes properly and just simply saying they are validating and verifying the account without doing so. Remove this account immediately.
Consumer complaint received 2021-12-02
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. (CA)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : Department of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2023-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (PA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b.

See the documents attached.
Consumer complaint received 2021-12-02
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. (CA)

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave XXXX written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX XXXX XXXXXXXX XXXX System ( XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX )
Consumer complaint received 2024-02-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX and Experian continue to report information they know to be inaccurate. The letter of credit that id deposited into the bank is what grants this credit line therefore I am entitled to equitable relief that should settle any balances due if not the profits should be turned over to me as the registered security is in my name and the credit line has been terminated. Therefore XXXX XXXX XXXX XXXX is knowingly furnishing deceptive information to Experian and the alleged investigation Experian says they conducted has to be incorrect because the bank ledger should read the credit for which my letter credit was accepted and deposited.
Consumer complaint received 2020-09-06
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$300.00} REV {$0.00} {$0.00} {$0.00} 24 1 3 0 PAID CHGOFF XXXX/XXXX/XXXX Late Dates : LAST LATE DATE XX/XX/XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX