davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-02
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Credit Adjusters, LLC (WI)

A rep named XXXX XXXX from National Credit Adjusters violated FDCPA subsection 806 harassment or abuse and subsection 808 unfair practices when he called my home phone, mobile phone and then my employer. I work from home and I was working, even our receptionist asked to take a message from him and he declined asking for my supervisor. Prior to him calling my job I did answer the home phone when XXXX XXXX would not tell me where he was calling from or why I asked him to then call back and leave a message. He refused to do that and proceeded to call all my other numbers. This message went to my CEO! I do n't even know whether this is a valid debt and now my CEO has been bothered by this company! 

I sought legal counsel and was told about the federal violation and so I called the company back to alert them that XXXX XXXX acted illegally on their behalf. I was transferred around and do not believe my complaint was taken seriously by them. I told them. I stated that I do not authorize them to contact my employer and any further contact is a violation of federal law ( fdcpa ). Also stated that there is no legal reason for them to use skip tracing tactics when they are aware of my true contact information. Any additional contact to any third party concerning this alleged debt is a violation of the fdcpa. I also just finished alerting the WI State Attorney General.
Consumer complaint received 2023-04-16
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 (CA)

I received this card as a gift. I don't want to be a Netspend customer. I am not giving out my social security number in order to use a {$25.00} gift card. I am inclined not to even use it, but then Netspend makes {$27.00} off of a card that is not used. This is not right. I should be able to spend my {$25.00} gift without giving out all of my personal information for Netspend and their partners to use. With all of the data breaches this is just one more sloppy way of doing business. I decline to use this card if I have to give out so much information
Consumer complaint received 2016-03-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

This debt was a result of identity theft my husband was a victim too. 
This debt is reported to my credit report as a debt in collection. 
When I called the creditors ask what is this about they claimed NOT to have me in the system as if I owed them anything. They asked was I married and I responded yes. My husband is the one who " they '' claim owes them this money. After never knowing about this till know we come to the conclusion we have been a victim of identity theft. My husband never opened an account with whom they claim he owes money to. When we ask to please remove this collection from my credit bureau they claim NOT to have linked my husband debt and my credit line. 
So why is this showing on my credit report. 
I want to resolve this issue ASAP, because I want to purchase a house before the market rises. I have NOT gotten the chance to do so because of this tangled web! 
Please help or fwrd my info to the right department. 
I truly appreciate all the help.
Consumer complaint received 2016-05-09
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (GA)

Applied online for XXXX card issued by Chase Bank USA, N. A. I received a letter saying they needed a government issued ID showing my physical address for proper identification. I sent a copy of my XXXX XXXX XXXX with my physical address on the front and also the back of the card showing it was a government issue card. It clearly stated government issue. I would have sent a copy of my drivers license but it had my P O box on it. I later received a letter saying my request for the card had been denied because the documentation I sent in was not sufficient. I told the rep I had a Chase card before and also had a credit rating of over XXXX. I told him just to forget it I did n't need his card and to cancel the request. He said he could n't cancel it and the application would still be open if I wished to try again later. I do n't want this on my credit record showing I was turned down for credit. I 've never been denied credit before.They can have the credit card I just do n't a blemish on my credit record. I want the application canceled and no record of me applying for the card.Thanks
Consumer complaint received 2016-06-10
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (TX)

My wife and I believe that we are victims of unfair and deceptive banking practices. We now have documented proof that Chase Bank has been issuing pending ATM credits into our bank accounts which makes our balances appear larger than what they really are. Then, Chase Bank will takes the credit away causing our accounts to overdraft. This practice has been going on for several years and has resulted in us paying over {$10000.00} in overdraft fees. The center of our frustration comes from the fact that when we call to inquire about the ATM credits, the bank has no record of the transaction.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

My XXXX XXXXXXXX account was bought by XXXX XXXX XXXX and I paid the account off on XX/XX/2024. I would like this removed asap off of my report.
Consumer complaint received 2021-04-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A. (CA)

On Friday XX/XX/XXXX, my sister wired me {$10000.00} to my Citibank account that I needed to pay bills. The money did not arrive later that day as expected. I waited and on Monday XX/XX/XXXX, when the money had still not arrived I called the sending bank ( XXXX XXXXXXXX XXXX ) after calling Citibank and discovered that they had made a mistake and had left out a digit from my bank account number, so that it was a 9 digit account number, rather than a 10 digit account number. I therefore had XXXX XXXX complete an amendment to this wire. The next day ( Tuesday, XX/XX/XXXX ) XXXX XXXX told me that Citibank had already notified them that they ( Citibank ) were in receipt of the funds but and were transferring it to my account. So I waited another day. When the funds still hadn't shown up by XX/XX/XXXX, I called Citibank 's wire department again and was told that because it was an amended wire it could take between " two and ten business days '' from the receipt of the amendment but that it was all up to the " back office ''. I asked for them to please ask " the back office '' to prioritize it if possible because I needed the funds to pay many bills that were overdue. I waited patiently and called Citibank every other day afterwards to check on the status of the account, and was told by the wire department each time that they had no way of knowing and that it was up to the wire department. Finally, on the eighth or ninth business day after the amendment, Thursday, XX/XX/XXXX, I asked the sending bank for an inquiry into why it should take so long when they had stated that they were in receipt of the funds and were crediting it to my account 9 days earlier. The next day, XX/XX/XXXX, Citibank finally said that the funds had been credited to another person 's account, even though we had only supplied nine digits. On Monday, XX/XX/XXXX, they said they had permission from that person to debit that person 's account and credit my account, but now they were waiting for " official '' permission. I was told on Wednesday morning that they had already received that " official '' permission the previous day and that it was in the process of being transferred. On Thursday, XX/XX/XXXX business days after the amendment, I have still not received the funds, and was just told by the wire department that it could take up to " two to ten business days again '' and when I asked why, they said that they did not know and that it was all up to the " back office '' again and the wire department told me explicitly that they did not know how the " back office '' went about its business. I feel that Citibank needs to know that holding on to my money and taking three weeks ( or possibly much more ) to complete this process is not acceptable nor is not being able to give me a timeline more specific than " two to ten business days '' twice in a row!
Consumer complaint received 2017-10-15
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 XXXX-This account is showing open on my credit report, this account was previously closed on my credit report, I disputed this item with all 3 credit bureaus and it still shows open, it keep being sold to different collection agencies and showing up on my credit reports, aster I disputed this matter, this account shows actively open and being reported on my report each month, last report shows XX/XX/XXXX, this account need to be closed and not reported to the credit bureau each month. 

XXXX XXXX XXXX- This account is showing closed on some credit bureaus and open on some, I have previously disputed this and the account was closed and the reported was stopped and then it was reopened, this account is actively reporting to the credit bureau and last report was on XX/XX/XXXX, this account need to be closed and stop actively reporting to the credit bureau.
Consumer complaint received 2022-08-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC (TX)

I was informed by an agent by the name of XXXX XXXX with XXXX that in order to overturn a denial to my application for a lease on an apartment that was already approved, when my wife applied alone because their application didnt originally let me be added as her spouse, that i needed to pay an outstanding debt of {$150.00} to a debt collection company called TSI . She gave me the number in a text message as followed, Okay so from what the billing department stated was this : Please have them contact TSI at XXXX to pay the {$150.00} balance due on that account. Once this is paid, please email over the proof that the balance is paid in full and once received then I can get the approval to overturn the denial. so I called TSI and this debt is no longer active and closed and has no balance because it was a debt discharged with my bankruptcy in XX/XX/2016. The original debt was with an apartment community named XXXX in XXXX Texas and then sold to TSI in XX/XX/2016. Nonetheless, XXXX is stating they need some form of documentation from TSI that the balance was paid or at XXXX in which I asked TSI for but they are stating they can only fax such letter and it will take 3 days. This is an issue for me because this to begin with should not be reported by the consumer reporting company the leasing desk/real page, secondly Im being told to pay a debt I am not longer liable for because it was included in my bankruptcy. This is hindering from moving in to my apartment but its not even something I owe to begin with. So the leasing desk is repeating wrong and XXXX is reporting wrong and XXXX  is showing wrong that I still owe something I dont.
Consumer complaint received 2017-02-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2016, someone used my account information to make a {$1000.00} purchase at a XXXX store in XXXX, TX. I saw the transaction and immediately contacted Bank of America to inform them that this was a fraudulent charge. I was at work and had not made the purchase. They opened a claim and reviewed it and eventually stated that it was not fraudulent since a PIN was used for the transaction. I filed a police report and contacted Bank of America once again informing them that it was fraudulent and provided them a copy of the police report. I explained to them that I know that there have been incidents where consumers ' account information including access to PINs has been stolen. They reopened the case and again denied that it was fraudulent even with the police report and my statement. They refused to replace the funds into my account.
Consumer complaint received 2024-02-16
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. (GA)

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Consumer complaint received 2023-04-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (NJ)

My loan was paid in full in XX/XX/2023. It is now mid-XXXXXXXX & I have not yet received title and/or other documentation confirming that the lien is satisfied and that the vehicle is no longer encumbered.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.
Consumer complaint received 2020-11-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (OH)

I received a registered letter from Midland Funding LLC on XX/XX/XXXX informing me that due to a court ruling against me in XXXX, my paycheck will be garnished to pay a debt. 
This was the first notification I had ever received. 
The person who was referenced on the court record was at a different address in a different city than mine. I have lived at my address for almost 30 years. 
I filed a fraud report with the XXXX County Sheriff 's Department in XXXX, Ohio on XX/XX/XXXX. The report number is XXXX, and it is attached to this form. 
Midland funding is requesting a signed, notarized affidavit from the FTC, but they are providing no information on how to get that affidavit. 
So I am filling out this form and attaching the report in hopes that I will receive the affidavit that they require. 
Also, upon looking at the history of this account on Midland Funding 's website, it appears that the person who owes this money has made 2 payments in XXXX. I have never made payments toward this account, since the first time I learned of it was on XX/XX/XXXX.
Consumer complaint received 2020-05-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Lincoln Educational Services Corporation (CT)

I took out a private loan through XXXX. Since I graduated they have been calling me nonstop ; I graduated 3 mths late but they have me under the previous graduation date so I had to start paying as soon as I graduated. I called and asked for deferment and was told ok only to be called continuously. When I called to ask why Im still receiving calls and negative marks against my credit score they said they dont offer deferment and I need to pay immediately and told me Im 3 mths behind. I have been making payments as much as possible but they still continue to call me nonstop. They have started to call me at work and I asked them to please stop. Even with the pandemic they are still demanding payment in full. Anyone I try to speak to to get lesser payments or to explain why I am 30 days behind come off extremely condescending and rude. the person called mrs. XXXX continues to call me multiple times a day every day. I have requested to receive another case worker because this woman is so rude but they refuse to swap me to anyone else. when I ask for a supervisor the person that responds is just as rude trying to talk over me when I explain the situation. Im currently caught up on payments and they still continue to call and harass me. Theyre claiming that I will be sued by a lawyer for the amount of the loan in full. I continue to make the mthly payments but now theyre have put my credit as behind and are not showing that I am paying even when the balance continues to reflect that payments are being paid.
Consumer complaint received 2015-08-02
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Alorica Inc. (MT)

I am not sure if my loan is federal or private. when I received the loan in 2001, its was explained to me as a federal loan. Now according to the Government I owe them nothing, and my loan has been given to a private lender/collections company. I was contacted once by this company, then I was sent a letter telling me that my wages will now be garnished, at 15 % to 25 % or {$430.00} a paycheck. after looking over the paperwork they sent me, there is no judical signature, which tells me it has not been approved by a judge. I am will to repay this " loan '' without all the taxes and penalties and to original loaner. This company ignored my request to know who they are and where they are located, until I called them directly off the notice that was sent to me. They offered a settlement of XXXX in cash .... after I badgered them on how to get me out of this " garnishment '' then they gave me other offers, and requested ( I did not provide ) my credit card or debt card information. They said they could only send me the information, and the garnishment would go on until the courts gave a verdict, and they said the courts are only available in XXXX ( I live in Montana. )
Consumer complaint received 2020-05-04
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. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE IS AN ACCOUNT THAT SHOWS LATE PAYMENT HISTORY WHICH IS IN ERROR. 
I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, AND XXXX, BUT TO DATE I HAVE NOT RECEIVED ANY RESPONSE FROM YOUR COMPANY. YOUR FIRM COMMITTED FOUR 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE IS AN ACCOUNT REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2016-05-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (WA)

Navient is now in charge of the small remainder of my student loan debt. They recently changed the terms of my loans without my consent. They changed my payment of {$220.00} per month to {$50.00} per month so they can tap me dry in terms of interest payments. I could change my online payment terms online because I was lucky enough to be paying attention to these sleazy tactics, however, shockingly enough, there is no way to do that online. Online, I am simply told my online payments are set up already and there is no way to change the terms. THIS IS UNCONSCIONABLE AND SELF-SERVING. Everyone should be aware of Navient 's tactics to tap their creditors dry, particularly with regard to student loans which are supposed to have a modicum of protections involved, by ahem, the Department of Education. UNCONSCIONABLE.
Consumer complaint received 2017-02-21
Product: Credit card — 
Issue: Billing disputes — 
Company: Bread Financial Holdings, Inc. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: I.C. System, Inc. (MO)

a dept owed was payed to   XXXX   and since  XXXX  separate companys were used to collect on my dept the  XXXX  I payed shows my account closed the other shows it closed but will not give me a pay off statement to show to  XXXX  that I payed the account this company is a terrible collections agency