davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-01-26
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. (NJ)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2022-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (ME)

I can not login into my account, I cant access my points rewards page. It shows I have XXXX points when it should show XXXX or more. This GARBAGE company blames it on a software update from 5 MONTHS ago. When are you actually going to step up and do something!?
Consumer complaint received 2022-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (VA)

On XX/XX/XXXX, I sent {$50.00} to XXXX XXXX XXXX via PayPal to purchase an event ticket. He said he would transfer the ticket to me but did not. I filed a case with PayPal who said money transfers to " family and friends '' are not covered by their buyer protection. I was not aware of that, and did not see another option for making that payment. The seller 's contact info is XXXX and XXXX.
Consumer complaint received 2016-04-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Sir, I am REQUESTING COPIES OF THE FOLLOWING DOCUMENTATION : 1. OFFER LETTER OF Treasury 's Home Affordable Program ( HAMP ) by SPS on XXXX XXXX. 
2. OFFER LETTER OF modification resolution offered by XXXX, XXXX XXXX XXXX on XXXX XXXX. 

SPS contacted me 3 times on XXXX XXXX ; urging/pushing me to switch to a " New program which I qualified for and would better suit my case!! ". The new program was the National Mortgage Settlement modification. NEVER, during any of the phone conversations did the representative provide me information of a HAMP offer on the table. Nor did I receive any documentation by mail of a HAMP offer. Contrarily, the response was that my loan modification was still under review. 
NONETHELESS, my understanding was that my account would be reviewed for ALL and/or ANY program available to assist me in saving my home. 

Respectfully, SPS began servicing the account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX XXXX. On XXXX XXXX, XXXX, SPS submitted the account for a review of the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). On XXXX XXXX, XXXX, you contacted us and we closed the HAMP review to allow for the National Mortgage Settlement modification ( NMS ) review, which upon approval, could allow for principal forgiveness. On XXXX XXXX, XXXX, we sent you the notice advising of the submission for the NMS review ( enclosed ). We have reviewed your inquiry, and it appears that it is similar to your previous inquiries which were responded to in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. From our review, we believe our prior responses fully respond to your requests. SPS is confident that the servicing of the account by SPS has been compliant with state and federal regulations. 


SPS began servicing the account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX XXXX. On XXXX XXXX, XXXX, SPS submitted the account for a review of the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). On XXXX XXXX, XXXX, you contacted us and we closed the HAMP review to allow for the National Mortgage Settlement modification ( NMS ) review, which upon approval, could allow for principal forgiveness. On XXXX XXXX, XXXX, we sent you the notice advising of the submission for the NMS review ( enclosed ). We have reviewed your inquiry, and it appears that it is similar to your previous inquiries which were responded to in XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. From our review, we believe our prior responses fully respond to your requests. SPS is confident that the servicing of the account by SPS has been compliant with state and federal regulations.
Consumer complaint received 2022-09-06
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: EQUIFAX, INC. (IA)

I have contacted The credit reporting agencies to explain that Im a victim of identity theft. Ive added Fraud alerts. Ive mad many complaints about third part debt collection that is on my account they should be removed and they continue to knowing keep it on my report. Ive been violated. They have removed 2 accounts and have left the rest. Ive brought this to their attention and they to be negligent in the investigation.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

THERE ARE MULTIPLE INQUIRES THAT ARE LISTED BELOW THAT ARE REPORTING ON MY CREDIT REPORT THAT WERE NOT AUTHORIZED BY ME. I HAVE REACHED OUT TO XXXX SEVERAL TIMES, I HAVE SENT LETTERS AND NOTHING HAS BEEN DONE. THESE INQUIRIES THAT ARE REPORTING ARE ALSO DUPLICATED INQUIRES WHICH I HAVE BEEN ASKING TO BE REMOVED.
Consumer complaint received 2017-10-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Turning Point Solutions LLC (NJ)

I am receiving continuous harassing phone calls from XXXX XXXX from Advance Capital Solutions in regards to an alleged medical bill in XXXX XXXX. I requested an itemized summary of the bill and failed to prove the alleged debt is my debt. The company did not provide me with an itemized bill as requested and threatens to sue on behalf of his client if payment is not made quickly.
Consumer complaint received 2017-10-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NJ)

I paid off my XXXX XXXX and have n't used it in 6 months. I received an alert that my credit score dropped from over 750 down to 620. When I looked at the reason, it was due to an unpaid fee on this XXXX XXXX card. 

I never received notice and because I had already paid the card off I did n't have any reason to check the cards balance. I called the company and complained and closed the card, when I asked if they could help with my credit score they said " it is what it is '' and that was the end of that. 

This is troubling since XXXX it 's the only cc I have and 2. I have had a nearly perfect credit score for many years now and this one incident has caused a significant dip.
Consumer complaint received 2018-03-18
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. (TN)

The following information XXXX XXXX is reporting on my credit report that is false and inaccurate. This is the third ( 3 ) letter requesting XXXX XXXX correct false information they are reporting to the Credit Reporting Agencies, ( CRA ). 

1. XXXX XXXX  is reporting a NEW bankruptcy for me to the Credit Reporting Agencies on my Credit Report dated XX/XX/XXXX. This is absolutely false and must be deleted. 
2. XXXX XXXX is reporting the account Condition as Derogatory. This is not correct. The account  condition is PAID. XXXX XXXX was paid-in-full {$14000.00} the claim XXXX XXXX asserted in my Chapter XXXX filing. 
3. XXXX XXXX is reporting the account Status as in a Payment Plan to all three CRA. This is not correct. This account was Paid-in-Full by the Bankruptcy Trustee. 
4. XXXX XXXX is reporting the account as Chapter XXXX : Wage Earner Plan Account. This is not correct. This account was properly included in Chapter XXXX filings and the Chapter XXXX Bankruptcy was Discharged on XX/XX/XXXX. 
5. This account is NOT in Chapter XXXX Bankruptcy. XXXX XXXX must only report the current condition of the account, ( elsewhere on my credit report my Bankruptcy is reported as a public record. It is not XXXX XXXX place to report a Bankruptcy on their portion of my credit report as my account with them is no longer in Bankruptcy. 
6. I sent letters to XXXX on XX/XX/XXXX and again on XX/XX/XXXX to correct the false information they are reporting to the CRA.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Other fee — 
Company: JPMORGAN CHASE & CO. (PA)

CHASE FREEDOM CARDThis company took it upon themselves to change my billing from US postage to some type of online internet banking without my permission. I called and told them I did not receive a statement and they said I changed it to on line billing ... THEY ARE LIERS. They credited the fees and charged interest and said they were going to send statments as they have always did through US mail. Again they pulled the same trick and did not send me a statement and are now charging me over {$43.00} in fees. WILL NOT CORRECT THE PROBLEM. I had no other choice than to close this credit card account to avoid their scam.
Consumer complaint received 2022-10-02
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: CAPITAL ONE FINANCIAL CORPORATION (MD)

I've sent XXXX and XXXX several dispute letters to have these hard inquiries removed from my credit report, I have not authorized these inquiries with my written consent, Section 604 15 U.S.C. 1681B
Consumer complaint received 2017-03-07
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (KY)

Good morning. I have a credit card with Capital One. My payment due date is the XXXX of every month. I made my XXXX payment on XX/XX/XXXX. I had a little extra money a couple of weeks later, so I figured I would go ahead and make my XXXX payment early ( XX/XX/XXXX ). I did all of this via their automated system. Well, now they are telling me that payment I sent did not go to my XXXX payment and I have another payment due XX/XX/XXXX. When I contacted them, they stated that they could not credit that payment to XXXX and I would need to make another payment by the XXXX or I would get hit with a {$28.00} late fee. This seems to be a nice scam for them. I paid EARLY, but they did not credit my account as such in an attempt to collect a bogus late fee. Your attention to this matter is appreciated.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NJ)

Equifax did not do a proper investigation as they said they did. XXXX has confirmed they have been reporting incorrect information and the accounts should be deleted for incorrect reporting. non compliance with investigating when I asked them for months to do so. they did not insure all information was correct and complete as per FCRA
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery you are in violation of my rights and the law USC 1692 { b ] and 15 USC1602 { l } remove all accounts from my credit report s under the law you have violated my rights and these accounts are fraud
Consumer complaint received 2020-10-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (AZ)

I have a collection account from Sequium Asset Solutions with a balance of {$59.00}. The account was opened on XX/XX/2020. I don't know the reason for this charge. I have never had any credit issues in the past. I have had no communication with the company regarding this charge and the charge simply appeared on my latest credit report.
Consumer complaint received 2022-09-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (NV)

Around XX/XX/2022 I was contacted by The Bureaus, Inc. about a debt that they were trying to collect on. I was given until XXXX, XXXX, 2022 to respond. I responded on XX/XX/2022 ( certified, return receipt ) stating that I do not know or recognize your company and I believe that I do not owe this debt. As of XXXX XXXX The Bureaus , Inc. has failed to respond and is reporting on major credit bureaus. This should be removed based on the fact that they did not validate or verify debt owed to them.
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kimball, Tirey & St. John LLP (CA)

In XXXX 2014, an Unalwful Detainer ( UD ) Stipulation Judgement was entered in the XXXX Court XXXX California in which the parties involved Real Estate Asset Trust represented KIMBALL TIREY STJOHN as Plaintiff and XXXX XXXX & XXXX XXXX as Defendants. The agreed terms in the stipulation was that we would not owe anything if we vacated the property on the agreed date. We kept our end of the agreement, but then the representative for the Defendant has been trying to collect from us since 2014. We believe their actions are fraudulent at best and would appreciate if the collection records entered in our credit record be deleted. They have no right to collect according to the XXXX. We have disputed this item KIMBALL TIREY STJOHN Account Number : XXXX with XXXX numrous times and they seem to be in cohort with the Plaintiff. Please help us remove this item from our credit history, it is damaging anf has been preventing us from moving forward with home obtaining credit lines, home purchase, etc
Consumer complaint received 2018-03-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (LA)

For the last 3 months ( XX/XX/2018-XX/XX/2018-XX/XX/2018 ) I have contacted XXXX XXXX XXXX about a two debts reporting on my credit report that I owe the amount of {$950.00} and {$610.00}. I have requested them to provide me with a copy of any viable evidence, bearing my signature in which they have failed to do. I'm enclosing the certified letter that were sent to them and the response letters I received from XXXX. Each time they have sent me the same letter just change the date not validating my request.
Consumer complaint received 2017-05-23
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. (MS)

I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in   XXXX   XXXX   and   XXXX   XXXX   financed it. I got behind in   XXXX   XXXX      XXXX   XXXX  , and   XXXX   XXXX  . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.
Consumer complaint received 2022-02-28
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: GOLDMAN SACHS BANK USA (IL)

on XX/XX/2022 at XXXX pm I called in a wire for XXXX. They told me it would be there Monday. The bank never sent it to me. Goldman Sachs XXXX  Bank never sent it to me. I called a manager up and he assured me to wait till Monday and it never came. It was a WIRE..meaning within hours.. I did it on a Friday and by Monday never received it.
Consumer complaint received 2021-04-21
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: EQUIFAX, INC. (MI)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2024-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.
Consumer complaint received 2016-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: GREAT LAKES (OK)

I attended XXXX XXXX College in XX/XX/XXXX-XX/XX/XXXX. I finished the program. Going forward with my education I was unable to use the school information. Nothing transferred to other schools. I was lied to constantly about being an accredited college. I found out that they used students financial aid by documenting that we received bus passes etc. I owned my car so I never needed a bus pass! Please help guide me in the right direction.
Consumer complaint received 2016-06-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (IN)

I am on a fixed income along with my wife. We live paycheck to paycheck and often order necessities online. After it was determined that we would not be able to make all our payments for the month, we decided to put our student loans into forbearance. But for whatever reason, the loan payments were posted to our account on Tuesday, putting our checking account into overdraft. There were multiple other payments that were posted ( that I could not cancel, because they were pending ) on Wed and Thurs. By Thurs morning, the damage had been done. A total of ( XXXX ) {$36.00} overdraft fees were charged to my account. I 've worked with my bank to dispute the loan payments that were made in error. With PNC 's track record, I am confident that a few of these transactions were processed in such an order to maximize fees, such as was done to me previously this year. Because of the {$250.00} in fees I now do not have the funds for my car payment, and will be in the negative again next month ( perpetual cycle of abuse ) because I am on a fixed income. It 's a snowball effect, and we are being overwhelmed. This is abuse!!! We have our first child on the way and are trying to move into a cheaper apartment, and PNC is interfering with our attempts at a reasonable life! How long will the abuses continue? I demand reversal of ALL fees charged to my account IMMEDIATELY. These fees are obliterating any financial gains we have made. If no action is taken, I will take this up with an attorney and will alert everyone I know how PNC drains its customers and treats them as profit centers.
Consumer complaint received 2020-10-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

Navient is reporting three of my student loans late on all three of the Major Credit reporting companies. The Cares Act of 2020 has placed all Student Loans in Forbearance. Navient Refuses to rectify the situation my student loans should not be reporting late.

Navient has a history of not following proper procedures and has also been sued numerous times.
Consumer complaint received 2018-03-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Credit Systems, L.P. (PA)

Policy Number : XXXX I faxed XXXX XXXX XXXX Collection Supervisor at XXXX twice Auto Insurance Policies documents showing the date I cancel the Policy with XXXX before payment were due, Never received a respond, he just since this false payment to the Collection Agency ( Southwest Credit ) since I never paid the falsely requested amount of {$120.00}.
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank, took 3 1/2 years to approve a short sale. During that time they reported " past due '' on my credit reports at the XXXX credit reporting bureaus, XXXX, XXXX, and XXXX. 
They took 3 1/2 years to approve a short sale, to sell my home. 
I feel that they did this with malicious intent, for 3 1/2 years they reported negative information to the credit reporting agencies. By doing so THEY DESTROYED MY CREDIT ( FICO is XXXX ). 
Because of this NO ONE WILL RENT ME AN APARTMENT, even though I am DEBT FREE. 
I remain HOMELESS. 
Because they did this with Malicious intent, I DEMAND that CHASE BANk 's credit reporting department, remove ALL negative reporting that they reported to the XXXX Major credit bureaus.