davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I sent this company a debt validation letter via usps mail in the last week of XXXX this year 2022 I got a letter today XX/XX/2022 from this company, of statements claiming that I oue them money. 

That does not validate the debt that they claim I oue them, Ive never done business with this company and in my debt validation letter I asked them to send me a contract that I signed with their company stating that I conducted business with them and they failed to provide me that information, also they reported this debt they claim that I oue them to the credit reporting agencies, according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. Also they broke 15 U.S.C 1692C stating, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This company has violated my privacy and my consumer rights.
Consumer complaint received 2021-08-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Revenue Corporation (TX)

No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Consumer complaint received 2020-07-17
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. (PA)

I recently disputed inaccurate or erroneous information on my credit report with all three credit bureaus XXXX, Equifax and XXXX. It has been 60 days and I have still not received any investigation results from any credit bureau. I included a copy of my ( drivers license and social security card ) as instructed. I read online that the credit bureaus have 30 days to respond to an investigation and they have not done so.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (FL)

Equifax requires the following items to get a credit report and it discriminates against the elderly and retirees. 
Identity Requirements Social Security card Pay stub with Social Security Number XXXX form Address Requirements Driver 's license Rental or lease agreement/house deed Pay stub with address Utility bill ( gas, electric, water, cable, residential telephone bills ) I am retired and do not work and do not drive. I do not own a home or property or pay rent and can not meet the address requirements. I have banking accounts that I receive at the address I reside at.
I can not obtain a free credit report from them.
Consumer complaint received 2020-10-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

I cashed Insurance Checks at my bank. I went back and removed the money. I was not told the money was " provisional '' credit. I was called and told to bring the money back because the checks were not paid. I was told I had committed a felony. I began a dispute with the Insurance company that wrote the checks because they should not have stopped payment. The bank never told me to bring the money back because I breached a contract. They told me to bring the money back because I committed a felony of theft and kiting. I was disputing that I had committed a felony of theft and kiting. There is a lawsuit in place in the court system. I disputed this item with Chexsystems explaining this is in dispute and it should be removed until the lawsuit is over. They are refusing to remove the item. I am not ok with just showing " dispute '' on my file and my husbands file. Chexsystems XXXX XXXX says they will not remove it because XXXX XXXX XXXX  verifies it is true. When I explained what happened, XXXX XXXX says that is too bad, they will not remove it. I explained to XXXX XXXX the money is begin held by the court and XXXX XXXX XXXX  refuses to accept it because they want {$10000.00} in legal fees added. I am requesting that Chexsystems remove any mention of this until the court systems works this out. I also requested a copy of the Account Agreement where the money was withdrawn and XXXX XXXX XXXX  refuses to provide it to me.
Consumer complaint received 2017-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MS)

I disputed an account with the credit bureaus over the account showing on my Credit report! XXXX XXXX XXXX XXXX. The company responded by saying they did not own the account anymore they sold it to another company and wrote it as a charge off. This company also supposedly corrected information on my credit report. Well this account was showing closed XX/XX/XXXX well recently they have added a change that caused my big impact on my score through XXXX, Equifax, and XXXX. They changed the closed date to XX/XX/XXXX. This company is steady having a very negative impact on my credit and the three Credit bureaus continue to change the information impacting my score. XXXX, Equifax, and XXXX should have to remove the account completely due to the fact that they are steady reporting inaccurate information. The closed date is wrong!!! As per the FCRA a company simply can not re age old credit and this company plus the credit bureaus have done just that.
Consumer complaint received 2021-05-24
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. (TX)

Ive disputed this item from XXXX XXXX hm mortgage several times this isnt my account. Please verify information and remove.
Consumer complaint received 2017-09-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Integrated Recovery Services (OH)

XXXX Services contacted me and threatened to file charges for fraud and that I would be going to jail if I do n't contact them by XXXX. They also contacted my employer and said I was being charged with fraud. Then they contacted my parents and threatened to charge them with fraud along with me if we do n't contact them by XXXX.
Consumer complaint received 2020-06-01
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Navient Solutions, LLC. (AZ)

Thank you for taking the time to review the complaint. After reviewing the XXXX  Credit report Navinet continues to furnish negative reporting on credit profile. My paychecks were garnished multiple times and the garnishments cease. Never changed jobs nor changed addresses. This illegal continues to deplete my credit along with creditworthiness. Made several attempts to dispute through credit bureaus with the 623 methods of verification according to FCRA. The reason for complaint, requesting validation of signature and how investigation occurred.
Consumer complaint received 2017-09-22
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 disputed an account with the credit bureaus over the account showing on my Credit report! XXXX XXXX XXXX XXXX. The company responded by saying they did not own the account anymore they sold it to another company and wrote it as a charge off. This company also supposedly corrected information on my credit report. Well this account was showing closed XX/XX/XXXX well recently they have added a change that caused my big impact on my score through transunion, XXXX, and XXXX. They changed the closed date to XX/XX/XXXX. This company is steady having a very negative impact on my credit and the three Credit bureaus continue to change the information impacting my score. Transunion, XXXX, and XXXX should have to remove the account completely due to the fact that they are steady reporting inaccurate information. The closed date is wrong!!! As per the FCRA a company simply can not re age old credit and this company plus the credit bureaus have done just that.
Consumer complaint received 2020-06-01
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC. (OK)

Triad Financial will not let me purchase my own insurance, or even pay for my taxes on my own. According to Triad, the escrow is figured into my monthly payments. They bill the insurance ( of their choice ) onto the balance of the loan, therefor you will never make progress to pay off your loan. This has occurred for two years. 
I tried to get my own policy through another insurance company to avoid my monthly payments being raised. I am on a limited income and can not afford {$400.00} home payment. I purchased my policy out of my pocket, contacted Triad to cancel my previous policy they provided me. After 45 minutes on the phone and a rude operator later, I asked to be transferred to the escrow manager. I spoke with XXXX XXXX of the escrow department. She stated to email her a copy of my policy and a email stating to cancel the policy and she would be able to cancel it, she had to have this information. I was also told I couldnt call the company and cancel it myself. They went behind me, bought my policy from my new insurance company and are STILL putting this onto my note. Therefor still increasing my payments. 
Fast forward to today, I received a past due notice from that previous insurance ( which damages my credit ) stating I owed them. My insurance policy was never cancelled even when I did follow all the proper procedures provided to me by Triad, in total I sent her 4 emails. I had to call the company and cancel it myself, only then an hour after I canceled the plan on my own did I get a call back from them, after trying to contact them for weeks. 
They also stated to me today I not only owe the money for my new insurance plan but also {$500.00} more due to shortages in insurance/tax fees from the previous years. 


I feel that Triad Financial takes advantage of their customers. I have owned my home for two years and have only actually paid {$1300.00} to the balance. 
They are rude, unhelpful and always give the run around Im trying to solve an issue or get a simple answer for a question. I feel as I am being taken advantage of as a customer and it needs to be stopped. Price gouging, increasing payments until customers cant afford them anymore, and trapping them into contracts is NOT the way to do business.
Consumer complaint received 2020-11-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP (PA)

Received a bank reliacard without asking for it, wanting it or having an account associated with it. Tried to fix with number provided but first request was for a phone number-did not provide one as concerned this is a scam.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Conn's, Inc. (TX)

Conns home plus I owed Conns {$3300.00}. They offered a XXXX tax settlement offer for {$2200.00}. I paid this settlement offer on XX/XX/XXXX. Since paying this, Conns has reported to the credit bureaus as Balance increased, Derogatory, and now a charge off. Conns has even sent me a letter stating it was paid off. I have called Conns several times advising the situation and each time, they say it will take 30-45 days for it to correct itself. It has been well over 45 days and Conns reported my account as being charged off on XX/XX/XXXX when in fact this was paid off and in good standing since XX/XX/XXXX.
Consumer complaint received 2020-04-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (LA)

I tried to deposit a check at the ATM locates in my bank. The ATM took my check but did not complete transaction and did not give me my check back. I immediately addressed two ladies working at the branch, who told me I needed to go online and gave me web instructions. I also had the option to call. I have been online multiple times searching for how to get my money using their instructions and can not figure it out. I finally called and stayed on hold for one hour ten minutes before a person answered, who said give her a minute, put me back on hold for ten minutes and the automatic on hold went back to main menu and said they are closed.
Consumer complaint received 2020-06-01
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (OH)

Attempted to send money using Moneygram.. They accepted the transfer and placed transaction a debit of {$1500.00} against my bank account. Received email stating transaction complete. 2 hours later received email stating that my account was fraud and banned me from using their service. 

The transaction was legitimate and an attempt to help my family in XXXX. They are now holding my money for up to 30 days with no explanation. It is unclear if they have or will complete the transaction. I have attempted to contact them but they will not return money, the fee or explain why they deemed me a fraud.
Consumer complaint received 2024-01-30
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. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXXXXXX Balance : {$110000.00} XXXX XXXX XXXX Balance : {$180.00}
Consumer complaint received 2022-08-13
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 is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items and bankruptcy which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX  XXXX Balance : {$410.00XXXX XXXX XXXXXXXX Balance : {$6100.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY (TX)

From the year XXXX to XXXX a former bookkeeper for the business was fraudulently using a business credit card to make purchases from XXXX, XXXX XXXX, XXXX, etc. to the amount of {$23000.00} This was not recognized until she was already fired for payroll theft and we were going back through the records. It was hard to differentiate our XXXX purchases from her XXXX purchases so we decided to call XXXX to verify. We were able to get a XXXX on the phone and she was able to help us go through the many transactions that were there and let us know which ones were fraudulent and which ones weren't. I spent no less than XXXXXXXX XXXX  on the phone with this particular XXXX going through each individual charge, what it was and who made the charge. She was also able to let us know that this bookkeeper had XXXX credit cards linked to her XXXX account that did not belong to her. After we discovered the XXXX fraud we then noticed that there was fraud by XXXX XXXX. We also have XXXX XXXX for our business and when we went back and looked we were being charged XXXX every XXXX by XXXX. Once for our cell phones and once for the bookkeepers entire family cell phones. This was not just her phone, but everyone in her family. Once we had gathered our information we immediately notified the police and Wells Fargo. Wells Fargo rejected the fraud because she was a bookkeeper for the company. We never gave her the credit card to use and she never had it in her possession. We do not know how she was able to obtain the number. Once Wells Fargo denied the claim we had our attorney send them a letter with more information. He also called Wells Fargo to try and resolve this to no avail. The bookkeeper has since been XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for these credit card charges but we still have not received any help whatsoever from Wells Fargo other than for them to tell us that they denied the claim. We would appreciated any help that we can get. This process has been prolonged due to XXXX and the court system being backed up.
Consumer complaint received 2020-10-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

On XX/XX/2020 I sent a letter regarding inaccurate ad unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate the items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 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 got into the hands of the wrong person
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Hello, this is now the 5th tile I have tried to dispute this charge with Capital One, they have asked me for numerous amounts of documents that Ive spent lots of time getting to them and they have still denied me which is ridiculous because so many people are going through this same thing with XXXX and I dont understand how these credit card companies are not having there customers backs through this. My boyfriend and I stayed in XXXX from the dates XX/XX/XXXX-XX/XX/XXXX, we left our card, which is Capital One, as a security deposit for the room Incase of any damage. We checked out of our resort on XX/XX/XXXX and on XX/XX/XXXX the Capital One card we used was charged {$1800.00} and {$99.00} on XX/XX/XXXX. The charge said XXXX XXXX XXXX XXXX #. We booked this trip through XXXX on XX/XX/2019, the total was {$3200.00} including our airfare, this was paid in full on that date. Of course when we saw this charge we tried contacting our hotel ( XXXX XXXX ), which was very difficult because everything was closed due to COVID, I finally got through to someone from the hotel and they had told me that XXXX never paid the hotel for our stay and it was now our responsibility and they were allowed to charge the card they had on file. I tried getting in touch with someone from XXXX and their website is completely shut down. Our only next option was to go through Capital One and file a dispute, we have filed 3 disputes since XXXX and they have yet to do anything for us. I am very upset because we have been a customer for years and they have denied my dispute every single time, we have sent many forms of proof showing our trip was paid in full. They have done absolutely nothing to help us, there are many people dealing with problems from XXXX. We are very upset and hope this gets resolved soon. Thank you
Consumer complaint received 2019-05-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ID)

In XX/XX/XXXX I graduated from XXXX XXXX. 

In XX/XX/XXXX I took a permanent job with the XXXX of the XXXX, XXXX XXXX XXXX XXXX. 

In XXXX XXXX I consolidated my federal loans, entered into a income-based repayment plan, and enrolled in the Public Service Loan Forgiveness program. 

I have stayed permanently employed with the XXXX of the XXXX ever since and am still employed at XXXX. 

Every year I submit my employer certification, my taxes, and my income-based repayment plan recalculation. 

I have taken 15 months of deferments since XXXX. That means I have made 89 payments ( of my 120 payments ) since enrolling in the PSLF program. 

My loan has been sold a couple of times and FedLoan Servicing took it over in about XX/XX/XXXX. FedLoan Servicing now says that I have only made 68 qualifying payments and they do not have a record of payments made prior to XX/XX/XXXX. They are conducting an audit but told me they could not say when it would be completed and it may take 6 months or longer. My bank says that the only way they can pull bank statements that far back is if I pay a fee of {$35.00} per hour of research and {$5.00} per bank statement and that the research may be extensive because the records are on microfiche. 

I believe that FedLoan Servicing is not counting the qualifying payments I made between XXXX and XXXX and are shorting me by about 21 payments ( over {$10000.00} ) and that this will incorrectly extend my PSLF repayment period and may interfere with the ultimate forgiveness of my loans. 

Please help!