davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-27
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. (IL)

XXXX  credit card company has reported my account late and also have the incorrect balance. I disputed fraudulent charges in XXXX and spoke with several different reps over at XXXX. All they say is we will note your account. The original representative I spoke with took all information for the dispute, which was a charge for {$100.00}. I also informed her to close my account. They have not mailed me anything about the dispute, nor provided me a with a status. I want this account deleted from all 3 major credit bureaus because this balance is incorrect due to fraudulent charges.
Consumer complaint received 2021-05-04
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: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have received a copy of my credit report and it shows company PORTFOLIO account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$900.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (HI)

XX/XX/XXXX TO : Consumer Financial Protection Bureau, United States of America FROM : XXXX XXXX. XXXX XXXX : Experian Credit Report XXXX CA XXXX XXXX XXXX XXXX Account # XXXX Dear Friends of the Consumer Financial Protection Bureau. 

I object and take issue with Experian Credit Reports Membership program. 

On or about XX/XX/XXXX, I requested a free credit report. I agreed to a charge of about {$1.00}. 

As of XX/XX/XXXX, I discovered that Visa charged my credit card in the amount of {$22.00}. I discovered that I had agreed as of XX/XX/XXXX, to not only pay {$1.00} for the initial free credit report, but that I was to be enrolled in XXXX XXXX XXXX, wherein my Visa credit card would be charged {$22.00} as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and every month thereafter. 

I called VISA and objected to the XXXX  XXXX XXXX   for the following reasons : 1. I did not KNOWINGLY agree to Experians reoccurring membership program / fee of {$22.00} ; 2. The {$22.00} reoccurring fee was NOT clearly disclosed ; 3. The Nature of the unending reoccurring fee charge was not disclosed ; 4. Experian as a Fiduciary breached its duty to the public of conducting a fraudulent and misleading business practice. 

I called Experian ( i.e., XXXX, XXXX, XXXX and XXXX ) ( XX/XX/XXXX ) : 1.0 Experian agreed to cancel my membership 2.0 Experian agreed to refund only one ( 1 ) of three membership fees 3.0 Experian rejected my request of full fee recovery 4.0 XXXX ( Experian Membership ) failed to refer me to US CFPB upon my specific request for further review and appeal. 

I respectfully request that all prior Membership fees be credited to my Visa Account. I request confirmation that Experian has in fact cancelled my Membership program. I ask the US CFBP to seek an injunction on Experian to immediately cease its fraudulent business program and seek restitution to the millions of American who may have succumbed to Experians fraud. 

With Respect, XXXX XXXX. XXXX XXXX
Consumer complaint received 2020-11-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (MI)

Repeated attempts to get a refinance or loan modification have resulted only in a heightened level of anxiety for my family. This company, Suntrust XXXX Truist has the same pattern : I request Help They Call me at work and threaten me I get no help I even went to the police to get the calls to stop. 

Every time I request to get a loan refinance or modification, they send me to a third party company that more often then not attempts to sell me some product. 

The only product I want is called " Save Your House '', and that should be free.
Consumer complaint received 2023-01-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: AutoNation Enterprises Incorporated (CA)

Per the IRS, charge offs and other cancelled debt is considered taxable. The creditor is REQUIRED to report all charge offs, canceled, or forgiven debt via a XXXX. I have never received this form from the company, and I would like to, in good faith, give them a chance to send the XXXX to IRS before doing so myself. 

Furthermore, this complaint is to inform XXXX and XXXX that Charge offs are considered INCOME, taxable income, that must be reported ; and income should never be disclosed on the consumer credit report
Consumer complaint received 2022-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC (GA)

I have a XXXX XXXX XXXX with XXXX University who decided in XX/XX/XXXX to switch their accounting to the Department of Education ( DOE ). Prior to this switch, they had University Accounting Service ( UAS ) as their accounting service. They did switch and per the DOE 's website, my payment had a due date of XX/XX/XXXX. The last statement I rec 'd from UAS was in XX/XX/XXXX, which had a due date of XX/XX/XXXX. That was paid and I even did due diligence and paid an addtl payment at the end of XX/XX/XXXX, even though I had no addtl statements from UAS. I took a screenshot of their website on XX/XX/XXXX and it reflected their wasnt anything due and my last login prior to the XX/XX/XXXX login was XX/XX/XXXX. I received a notice from XXXX University at the beginning of XX/XX/XXXX stating they decided to not use the DOE for accounting and would continue with UAS. I received a call from a UAS rep on XX/XX/XXXX stating my account was 100 days past due. I still had no addtl statements or correspondence from UAS after the XX/XX/XXXX statement, which I explained to the rep. I also explained to her that XXXX decided to use DOE for accounting and then changed its mind. She said she understood and would have someone look into in to it. I checked UAS 's website while on the phone with the rep ( XX/XX/XXXX ), and it reflected an amount due of {$58.00}, but had a due date of XX/XX/XXXX. When I went to pay it, it showed it as a past due balance, which was erroneous. I paid an amount of {$130.00} that day ( XX/XX/XXXX ), just to even one of my bank accounts. Mind you, nothing was due XXXX. On XX/XX/XXXX, I received an email from UAS stating there were documents on my account. I checked my account portal and behold, there was a past due notice ... .again, still no statement generated from UAS after XX/XX/XXXX and XX/XX/XXXX, their website reflected an amount due of {$170.00}, but with a due date of XXXX. Remember, there was only an erroneous past due balance on XXXX. 
I filed a complaint with the XXXX  on XX/XX/XXXX with the above details, along with screenshots of their website, etc., and received a response from UAS stating my account would be corrected and that nothing was reported past due. 
I received a credit alert on XX/XX/XXXX regarding a delinquency on my credit file. Behold, its regarding this particular student loan and showing that it was 60 days past due as of XX/XX/XXXX. This is incorrect. Look at the screenshot dates versus the conflicting/erroneous information on UAS 's website, as well as the screenshot from the DOE 's website with the XXXX due date.
Consumer complaint received 2020-09-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO. (CA)

I have 2 account under my name both individual accounts one was closed and the other charged off. I don't recognize The name of the card company the Acct # say this is mine. The name on my all 3 reports are the same this isn't mine. These account one is from XXXX the other from XXXX. Till I know what this stands for I can't say this is mine. I own only 1 XXXX XXXX   Credit Card, 1 XXXX  and 1 XXXX XXXX mastercard totaling 3 credit cards that should be active on my credit reports. Everything else isn't mine and needs to come off. So till this entity comes to light I will denny this on my credit. I don't recieve mail from this company as it is on my credit report. So if you say your mine I want proff from the USPS,  whom delivered my mail the day the statements were sent out. I want 100 % acquite information from where this acct was open, signature, proff. Not just your word I need action Proff. Paper trail I need answers and I need them Today.
Consumer complaint received 2020-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (CO)

This complaint is against Equifax. They keep putting fraudulent, illegal remarks on the following accounts. 

1. XXXX/XXXX  2. XXXX/XXXX  3. XXXX/XXXX  4. XXXX 5. XXXX XXXX  On each of these accounts they keep putting a derogatory remark that says CUSTOMER DISAGREES, OR CUSTOMER DISPUTES or REINVESTIGATION IN PROGRESS or INVESTIGATION COMPLETE. ( I am attaching screen shots from my latest credit pull to show proof ) The only statement that should be on each of these is " ACCOUNT CLOSED AT CONSUMERS REQUEST '' All other remarks need to be removed immediately.
Consumer complaint received 2021-02-03
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Commercial Services, Inc (CO)

I received a call from XXXX XXXX from NCS but was not able to answer. My sister called soon after and was worried, she said XXXX called her and was telling her that if I did not pay he was going to have my license taken away because I was a payment late. I then called him to place my new CC on file, and I let him know I did not appreciate him disclosing my information to a 3rd party. He got really defensive and said he gave her that information because she asked for it. He said he was just sending me an email. My sister was never authorized on my account she spoke with him once to give him a CC and from there on he always called her. This man was unpleasant to speak with, he told me he was going to cancel my payment arrangement and that I was " DONE '' and to " have fun at the DMV '' I asked for an explanation as to why he was cancelling my payment after trying to express my concern about him speaking to a 3rd party. He said because I wouldn't let him speak. I let him know this was not a legitimate reason to cancel my arrangement just because he took my complaint personal. This man had the nerve to tell me to " shut my mouth '' and that I am 2 payments behind, and he told my sister I was one. I told him I know he can't talk to people this way and there should be a level of professionalism I could get a lawyer. He said he was suspending everything since I knew what to do. I asked to speak to a supervisor and he said this like he was used to it and like he didn't care " go ahead and speak to my supervisor EXT XXXX ''. He is not allowed to speak to me or anyone in this manner just because they owe a debt and bring to his attention that he can not disclose information to someone other than the debtor. He shouldn't have that type of power to dictate when to cancel payment when the debtor is not wanting to cancel and to dictate when to take their license away and especially feel entitled to intimidate a client because he choses to take their complaint personal. 
I received a call back from XXXX his supervisor and he said he would handle it and he said he saw notes where I " authorized '' my sister before. I never have, she spoke with XXXX once to put a CC on file and from there he would always call her. I told XXXX to stop calling and emailing my sister and apparently he didn't write that in the notes.
Consumer complaint received 2017-12-19
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (MN)

Calling repeatedly after I have told them to stop. Sending mail correspondence after telling them to stop. I 'm currently disputing the charges they call about with the company themselves that hired them. This collection is unwarranted.
Consumer complaint received 2021-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

In XX/XX/XXXX my account consumer credit card was closed by XXXX Bank, and it was charged off in XX/XX/XXXX. In XX/XX/XXXX it was sold to XXXX XXXX XXXX XXXX, and in XX/XX/XXXX the account with XXXX XXXX XXXX XXXX was settled in full. As of today XXXX continues to report the account as a charged off collection account, and there is no indication that it was sold to XXXX XXXX XXXX. 
The account status does not state it has been sold rather it states that it is charge off collection. I have submitted several disputes since XXXX disputing the incorrect reporting ; however, XXXX continues to validate the information as correct reporting.
Consumer complaint received 2022-04-02
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLY FINANCIAL INC. (NY)

On XX/XX/XXXX I was at work with XXXX other coworkers. One of the coworker was new so I was kind of excited and in a happy mood. Around noon a person came in and I wasn't sure if he was a customer or not but he was looking at the menu and starting conversations and since I was in a good mood I started a conversation with him. He pretended to be a XXXX  employee and started to explain how XXXX was having a deal for XXXX customers, {$150.00} for XXXX XXXX XXXX. He said that there was a line outside the XXXX for this deal. I felt that it was too good to be true but since I was in a good mood at the time I decided to just continue the conversation since he seemed like a nice guy. The conversation went on for about 5 minutes and then he said he wanted to show me something on my phone. He typed in pound and a few numbers on my phone and called it, and it showed me something about my phone. Then he borrowed my phone to " check '' settings and set up an account for XXXX for me. Since I was behind the counter, I couldn't actually see what he was doing. He then told me to make up a XXXX digit pin and that's where I messed up and gave him a pin that I used on a lot of my apps, including XXXX. He sent himself {$200.00} to an account name " XXXX '' now named " XXXX '' and their XXXX  is XXXX XXXX. I've tried contacting XXXX the same day and they told me to contact my bank since the money was withdrawn from my bank, not from XXXX. I called my bank that day and they told me they couldn't do anything until the charge was posted. A few days later, I opened a dispute on my bank account for that charge and today I find out that the dispute has been closed but I have no clue why since I wasn't even notified when it closed.
Consumer complaint received 2020-11-21
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (WA)

I received a judgement lien on a home because the landlord failed to pay his mortgage and kept all the rent money. 

When the home was up for sale the real estate agent and title company located my judgement. They asked what the amount was to settle. I signed an agreement and faxed it to them. The real estate agent called to tell me the sale fell through. There were other liens that were settled, but mine was not. EMC mortgage sold the home to that same buyer without paying me my judgement.
Consumer complaint received 2021-11-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (ND)

I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following identity theft : XXXX ACCOUNT ALL INQUIRIES
Consumer complaint received 2021-02-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MRS BPO, LLC (CA)

XX/XX/22 @ XXXX called MRS associates to discuss collection notice on my account. I asked if payment were to be made if it would be removed from the credit report. I was told that they report to the credit bureaus every 30 days. I also advised I would need a letter stating that the debt had been cleared and that it would be removed from the credit report. I was told a " release of debt letter '' would be sent. 

The XXXX agent omitted the fact that the letter would not include the language I had requested and did not indicate that, as I was told later on, no " pay for delete '' would be possible. 

I believe that they were deceitful in their attempts to obtain payment and lied by omission. 

Further, XXXX confirmed this was sent to straight to collections. I was not given an opportunity to make good on my debt. I still have an account with XXXX for Internet services. No billing indicated I was delinquent and service was never cutoff. Further, they have record of our transfer service request with our new service address. 

In follow ups with XXXX XXXX, repeatedly told it would be removed from Credit and yet no follow ups.
Consumer complaint received 2023-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

The fact that the info is not being reported the same across all three agencies is a violation of 15 USC 1681. All info should be reporting fair and accurately according to this code. This account is also older than 7 year and should not be reporting on my consumer report.
Consumer complaint received 2019-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO. (AZ)

Greetings, On XX/XX/XXXX, I left my place of employment due to a hostile work environment. I followed company policy by informing HR of my abrupt voluntary termination and requested that I be paid my remaining PTO time and wages next pay period. Since I lived at the place I worked ( XXXX XXXX ), I planned to move out of my apartment on-premises. 

XX/XX/XXXX, I moved into my new apartment and drafted the money from my chase account since I was due to get paid on XX/XX/XXXX. 

Unfortunately, the company I once worked for did not pay me the required compensation and because of this, I had to endure 14 days of overdraft fees ranging from $ 33- {$100.00} dollars. Luckily, I had a second banking account with money on it and attempted to live off of that until my situation was cleared up with my former employer. However, I did not have enough money to cover the overdraft because of the situation with my former empoyer and simply had to choose between feeding my family or hoping chase will still provide the overdraft protection for a fee. The former employer not only refused to fairly compensate me within days of their negligence, but also broke Arizona State Law in reguards to Wages and response to a constructive discharge complaint. 

After two weeks of threatening legal action and fighing HR at the previous place of employment, I was paid the morning of XX/XX/XXXX. I immediately transfered the money from my other banking account into my chase account. 

I am claiming hardhsip due to employer negligence as my reason for a request of refund. This situation was far out of my control and there wasnt much for me to do except sue the company or wait to be properly compensated.I almost lost my car and insurance due to this matter and acknowledge that this wasn't chase 's fault. 

I tried talking to a CSR about this on XX/XX/XXXX but was unsuccesful with my claim.
Consumer complaint received 2022-04-02
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX
Consumer complaint received 2021-05-04
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

During the pandemic I fell on hard times and lost my job and second source of income. The CARES Act was passed, so i just recently seen my credit report and seen UNLAWFUL reports of lates to my report!! 

So after careful review of the CARES Act i sent the Bureaus letters on XX/XX/XXXX and still OVER 45days later Still NO REPONSE! The FCRA states that disputes must be resolved within 30 days, I feel takin advantage of as a consumer violated in my rights! 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, passed by Congress and signed into law on XX/XX/XXXX, XXXX, contains a provision explicitly addressing the FCRA , as XXXX XXXX previously reported. Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681 s-2 ( a ) ( 1 ) ). 
Now, as furnisher of data to the consumer reporting agencies that allows its customers to defer payments, make partial payments, modify credit terms, or makes other arrangements for its customers affected by COVID-19, should not report the account as delinquent, but should continue to be reporting it as current. These new reporting requirements are retroactive to XX/XX/XXXX.