davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-02
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 — Investigation took more than 30 days
Company: Waypoint Resource Group, LLC (CA)

On XX/XX/2021 I sent a certified mail letter regarding things that are inaccurate and unverified things that have not been validated even after me sending a validation letter on XX/XX/2021 certified mail I have not received a response yet. It has been well over 30 days and I havent received any investigation results. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that if there is a failure to investigate these items within 30 days gives a reason to immediately remove those items from my from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten Into the hands of the wrong person.
Consumer complaint received 2015-07-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (DC)

Payment was made to XXXX XXXX XXXX who transferred my loan to XXXX without notifying me of the transfer and on XXXX XXXX, 2015, I sent a cashier 's check from XXXX for {$6000.00} that was deposited into XXXX JPMorgan Chase by XXXX for XXXX XXXX Payor XXXX XXXX XXXX, property address # XXXX XXXX XXXX XXXX XXXX. Also, I made for {$2000.00} I took out of my XXXX XXXX XXXX via a Cashier 's check that was again deposited in JP Morgan Chase by XXXX for another deposit for XXXX XXXX payor XXXX XXXX XXXX, address XXXX XXXX XXXX XXXX, XXXX for a total {$8000.00} deposited in.XXXX XXXX account with me as the Payor.
Consumer complaint received 2016-12-09
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (OH)

We have used the American Express Serve card for quite sometime having our payroll direct deposited on this card. We recently noticed a recurring monthly transaction that we did not recognize. Upon further investigation, it was discovered that XXXX the merchant for our cell phone purchase, deceptively had us agree to cell phone insurance through XXXX that we specifically stated at the time of purchase that we did not want. The XXXX told us merchants sneak the agreement in with the other required signatures during purchase - so they are even aware of the deception and would not refund the charges. Upon contacting our cell provider XXXX XXXX XXXX, we were informed that the charges were not from their insurance provider, XXXX, and we were advised to dispute the credit card charges with our card provider immediately. 
We filed a dispute with American Express Serve and when their investigation was complete, our card was immediately closed and we were no longer allowed access to our remaining funds of {$100.00} on our prepaid card. We were told we violated a service agreement ( which was the section stating they could close our account at any time. ) We were also given no information as to the results of our dispute other than to request results in writing - even though the entire dispute up to this point was handled over the phone. We were also told that our funds would be immediately returned via check once all pending transactions cleared which would take XXXX48 hours. Three weeks later, we still have not received our funds. I called American Express Serve customer service and was on hold for over 20 minutes. Once I finally reached a representative, I was told the check was " reissued yesterday '' and it would be another XXXX14 days minimum before I would receive it. The rep could not tell me why the first check was never sent, nor could they tell my why it had to be reissued. Right now we are looking at waiting a total of 5 weeks for our funds to be returned all because American Express closed our account for disputing fraudulent and deceptive transactions. Since we utilized this AMEX card for our payroll deposits, this caused an immediate hardship for our family. We had no additional funds for gas or groceries until our next payroll - which we were left scrambling to receive since it was set up for direct deposit with AMEX Serve.
Consumer complaint received 2016-12-16
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Several different agents call harassing me on my job at home, I advised them to contact my attorney. the company went bankrupt and SOLD the DEBT to portfolio recovery services which is a collection agency. the law states a company ca n't go bankrupt then sell the loan to a such company .I 've contacted them several times to remove theses items from my credit report. I have n't any success at all. so I 'm requesting your swift attention.
Consumer complaint received 2017-02-23
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (CA)

PayPal Credit simply ignores my claims to refund me on an authorized charge. The charge was made on XX/XX/XXXX and as of XX/XX/XXXX I still can not get my money back from PayPal. I keep wasting time on calling and waiting for a PayPal customer service agent to pay attention to the problem, filing disputes, receiving meaningless emails. But the only reasonable thing - getting my money back - is not happening.
Consumer complaint received 2015-05-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TN)

I took out loans for schooling when I was XXXX years old. I was an XXXX and left high school with XXXX credits in collegiate courses. As a studious person, I did all the desired paperwork and classes available to educate myself on the process of financial aid. My parents did not have the money to put me through college but were adamant about me focusing on achieving my XXXX. Financial Aid advisors ( both in my high school and my colleges ) told me ( and my parents ) that " student loans are the easiest loans to take out. Even if you have the money, you should take out student loans, they are simple. If you do n't have a job when you get out of school, you can wait to pay them off. '' I took those " authorities '' at their words. I finished my XXXX degree after being enrolled in XXXX schools with XXXX degrees. I was never instructed that there are differences between federal and private loans. I was never told about the differences in repayment and assumed all student loans were equal. It was logical, all my loans ( except for XXXX ) were coming from XXXX XXXX. Now looking back it is insane to me that we are asking XXXX year old kids, with little to no exposure to even running their own basic budgets, to navigate the complicated intricacies of loans and repayment programs. The market crashed in XX/XX/XXXX, I graduated in XX/XX/XXXX. It took me a very long time to find a career and a job where I could afford to pay my student loans. Needless to say, I left school $ XXXX in debt with XXXX degrees, and could not find a job. I had no idea, but interest was piling up on all the loans I had acquired. I have, since then, found a career where I make a good amount of money. However, it is impossible to get out from under the student loan debt. I have paid XXXX of my loans on auto-debit for XXXX years straight. The original amount of the loan was $ XXXX. I have been paying $ XXXX $ XXXX on auto debit for XXXX years. My principal balance is now {$14000.00}. AFTER XXXX YEARS OF PAYMENT. I am frustrated and overwhelmed. It is not SIMPLE interest, like my home loan, but rather compound interest. I NEVER would have taken out student loans if this was explained to me as an XXXX year old. I had to BUY A HOME, to understand the difference between the types of interest. The concept of simple vs compound interest was never explained to me and as a result, even though my salary is high, I have very little ability to pay off these loans. It is a travesty of the education system that those concepts are not explained to people. Even with the salary I have, I am UNABLE to make the payments and as a result, set up for financial failure. How is this fair? I am trying to get ahead but frankly I have paid more down on my house and car in XXXX years than I have in XXXX years on my student loan. Should n't this stop?
Consumer complaint received 2018-11-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Optimum responded on XX/XX/XXXX that we have returned accounts : XXXX, XXXX, XXXX and XXXX back to our client XXXX XXXX XXXX XXXX. If you have any additional questions please contact our client XXXX directly. 
This is evidence that the medical accounts are not mine and need to be deleted immediately and permanently. 
COPY ATTACHED ( 2 ) XXXX XXXX  responded confirming " that account # :XXXX with XXXX XXXX, and account # :XXXX with XXXX XXXX XXXX , has been paid in full in full to XXXX  XXXX , acting as an agent for XXXX XXXX XXXX XXXX  XXXX in the otal amount {$600.00} as of XX/XX/XXXX. '' This is evidence that the accounts is paid and need to be deleted immediately and permanently. 
COPY ATTACHED ( 3 ) XXXX XXXX XXXX XXXX is negotiating {$7700.00} with me because they have taking their car back and they need to get the money from the owner of the car and not from me. 
This is evidence that the accounts does not belong to me and need to be deleted immediately and permanently. 
COPY ATTACHED
Consumer complaint received 2024-05-17
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: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX I received a credit card from XXXX XXXX. I notice it was a real physical credit card that I did not apply for. That is when I realize someone was using my social security. I did report to the police and made a police report that is not ready its still pending on my end. I notice many inquiries on my credit report. I notice this inquiry on my XXXX credit report that I did not do. 
BRCLYSBANKDE XX/XX/XXXX I have not applied for anything since XX/XX/XXXX
Consumer complaint received 2024-02-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

i I am submitting this XXXX XXXX his 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 more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. 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 and XXXX and hope 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 one negative credit items outstanding debt now that is not mines. 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 negative account 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 homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation
Consumer complaint received 2018-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX has been irresponsible to correct information on my credit report. I have contacted them by phone, by their web page ( dispute an error ) and by letter. 
I have sent all documents and they still havent change the error. 
This is related with cfpb complain # XXXX about XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2016-12-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (DE)

I have several problems with payments with Chase mortgage. My payment was reported 30 days late for XXXX and XXXX of 2016. I paid XXXX mortgage payment within the 30 days of it being due. The payment did post XX/XX/XXXX16 on their online site but Chase reported my payment 30 days late. Chase online site has had some technical difficulties by their staff admittance. I logged in on XX/XX/XXXX16 scheduled a payment. The payment was never processed. I had to call in to make the payment. XXXX ( supervisor ) admitted the online site has been malfunctioning and applied for a credit amendment for the incorrect reporting. Chase seems to be having problem on managing payments and the problem needs to be rectified.
Consumer complaint received 2017-03-03
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pendrick Capital Partners Holding, LLC (PA)

Phone number XXXX identifying themselves as https : //affiliateas.com/ Called me on XX/XX/XXXX demanding personal information to collect an alleged debt that was paid at the time of service in XX/XX/XXXX. Refused to send me written notice of the debt and demanded date of birth to even discuss any aspect of the debt.
Consumer complaint received 2018-11-29
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY (OK)

So Ive been waiting for two days to get my direct deposit and when I call the corporate office they just keep on saying that they dont have a estimated time on how long and it ridiculous because I have a life I have to tend to and I need my hard earned money its my grandmas birthday and I cant even get a gift for her like something has to happen
Consumer complaint received 2018-03-16
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required ID information. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. Please investigate this pattern of gross violations of my rights. I plan to take legal action but I want to create a paper trail. 

The items in question are as follows : Experian XXXX ACCOUNTS XXXX  XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt XXXX XXXX unverified debt COLLECTIONS XXXX XXXX XXXX XXXX XXXX {$410.00} unverified debt XXXX XXXX XXXX XXXX {$1100.00} unverified debt XXXX XXXX XXXX XXXX {$2600.00} unverified debt
Consumer complaint received 2015-07-17
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Platinum Holdings Group, LLC (IL)

Caller, XXXX XXXX, left message with a threatening tone for XXXX. He suggested we have our attorney return his call. My husband returned his call and informed XXXX that he divorced XXXX more than 15 years ago. My husband also requested XXXX to stop calling us. XXXX was relentless and said since XXXX and my husband have kids together, he should tell the kids to inform their mother to get back to him. The conversation escalated to the point where my husband asked XXXX, " Are you threatening me? I know several policeman who can deal with you ''! - to which XXXX quickly hung up.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

As far as I understand, FCRA 605B mandates the removal of inaccurately reported accounts from credit reports. I'm unsure about the details, but I urge you to examine the accounts provided in the documents. They're inaccurately reflected on my credit report, with incorrect account details and statuses. This situation has left me feeling upset and unwell. Your help with this matter would be greatly appreciated.
Consumer complaint received 2018-03-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Statebridge Company (TX)

Unfortunately, I had a financial crisis in 2016 which led to a vehicle repossession. Since that time, the finance company has continued to report that my loan is active and past due, despite the fact that they repossessed the vehicle nearly two years ago. Despite the fact that the account is closed, and no payments have been made since 2016, this finance company continues to report the account as active and past due.
Consumer complaint received 2016-03-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc. (PA)

I had got XXXX XXXX and then lost my job and ive tried to work it out with XXXX XXXX and i got run arounds from i had a fha loan and now its different i have been told some many thing and yeasterday i find out its a private investor thats has my mortgage
Consumer complaint received 2015-10-30
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Morgan & Curtis Associates, Inc. (NY)

I filed bankruptcy in XX/XX/XXXX. At the time I included a debt from XXXX XXXX XXXX and notice was served to the collection agency handling it which is XXXX and XXXX. In XX/XX/XXXX I returned to XXXX to have a XXXX and was told because of the balance that I reported in XX/XX/XXXX on my bankruptcy I had to sign a promise to pay or they would not see me. So, I signed the promise to pay. Which at that time I paid {$150.00} which was my insurance deductible for the XX/XX/XXXX visit. I later returned back in XX/XX/XXXX for another visit which I again made a payment of {$150.00}. Which was all I owed. XXXX along with XXXX and XXXX are now refusing to remove the negative information off my credit report and are still trying to collect the amount that was included in the bankruptcy along with the XX/XX/XXXX debit and balance billing me for the amount not paid by the insurance company.
Consumer complaint received 2017-02-08
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alorica Inc. (ID)

Global Receivables Solutions is trying to collect a debt for XXXX XXXX 's that is current. XXXX XXXX 's has combined all three accounts into XXXX account, not at my request and I have been sending monthly payments to that account. I feel as if XXXX XXXX 's is trying to confuse me by sending me separate bills for each account and then XXXX bill that has all XXXX accounts combined. I send a payment to the the account that has all XXXX accounts every month so I am not sure how XXXX XXXX 's thinks I can and should make a payment to each account and another payment to the the account with the joint accounts and then Global Receivable Solutions wants me to send them payment for the same accounts. I have sent a letter to Global Receivable Solutions disputing one of the collections and now have received another collection notice for another one of these accounts and have recently received a third collection notice in my Daughters name who is a minor. I am asking for help so that this does not affect my credit or my minor daughters credit by being sent to collections. In my letter to Global Receivables Solutions I have asked for verification of debt and they refuse to send me any verification.
Consumer complaint received 2017-03-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Recovery Specialists, Inc. (KS)

I have sent a certified letter to the company in question to verify and gather other information per the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) and they have stated to me that they are not required to provide any information that is required.
Consumer complaint received 2015-11-05
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (DE)

I filed a complaint on XXXX number XXXX I since received the following letter from BOA I want to know how I " benefited '' from someone stealing my identity and making unauthorized charges to my account? How can the CFPB help me? BOA rep 's have been the rudest, most uncooperative people I have ever dealt with. Now this letter is just a continuation of their mishandling of this entire matter.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX