davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TRUIST FINANCIAL CORPORATION (GA)

On XXXX XXXX my Truist bank credit card was fraudulently charged for {$1300.00} plus they are adding interest to that every month. I made a claim to the bank and it was sent to the fraud department. I also made a police report on this matter. The Truist Bank advise me that they will do an investigation on the matter and get back with me and they never do, I continue to give them a call on this and they just say we will get back with you. 
I also spoke with the bank associate where this fraud took place and he advise me that the person that done the fraud on my account is no longer there. 
Police report # XXXX
Consumer complaint received 2016-04-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (FL)

I had a bill from XXXX that I defaulted on and made all payments to Stellar Recovery Inc for the amount of {$280.00}. I have made final payment to the account and now I am being told that I defaulted on a payment and have NFS fee 's from my payment in XX/XX/XXXX. I am being charged an additional {$30.00} to this account. The payment in XX/XX/XXXX was automatically withdrawn through my bank and I have checked with the bank and there are no return fee 's on my account. I checked with Stellar Recovery and was told I had to handle it through XXXX. I have called XXXX sent them proof and I am still being given the run around. I called on XX/XX/XXXX and was told to give them 7 days to process and they would contact me. I called again today and was told I need to give them an additional 7 days to process again. They do n't provide someone in there collections department to speak with and I am getting no where with closing this account.
Consumer complaint received 2022-09-03
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: Experian Information Solutions Inc. (WI)

Experian is reporting inaccurate information regarding my XXXX XXXXXXXX account beginning with XXXX. There were fraudulent charges on this account and this account is involved in litigation. they are reporting inaccurate information and also sold this account to XXXX XXXX XXXX. THEY are reporting twice which is illegal this account need to be removed from my credit report.
Consumer complaint received 2023-03-22
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. (NY)

These 4 student loan accounts were disputed for showing incorrect information. The report came back verified but that would be impossible because it shows late payments incorrectly. It jumps from XX/XX/XXXX as paid to XX/XX/XXXX as 90 days late then XX/XX/XXXX as 120 days late that's impossible. This report has been reported falsely for over 3 years and they will not conduct the proper investigation. 4 accounts not being shown as 4 120 day and 90 day late payments shows up as 8 late payments for over 3 years when they were never reported correctly to begin with. 

15 U.S. Code 1681- Congressional findings and statement of purpose ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2016-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I received a XXXX for XXXX from SLS for a loan that was foreclosed in XXXX/XXXX/XXXX, SLS was the second trust deed holder on the property. They did not make an offer at the sale and continued billing, me until the end of XXXX, even after numerous conversations with thm that the property was foreclosed in XXXX. According to Idaho law they had 90 days to do a deficiency judgement against me, but they did nothing. The property reverted back to the 1st trust deed holder on XXXX/XXXX/XXXX for {>= $1,000,000}, which was the balance of their loan. I need SLS to to correct the XXXX C, which they have sent me a letter that they would n't, I will include the letters and information following.
Consumer complaint received 2017-03-06
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (CO)

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA. 

Furthermore, this debt has already been disputed and removed from my credit report multiple times, under the name of different debt collection agencies.
Consumer complaint received 2016-09-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SQUARETWO FINANCIAL CORPORATION (NJ)

CACH LLC did not validation for this debt. I do n't have any sign document or any business with them. on my credit repot claiming unpaid debt by CACH LLC.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I am writing to formally address the ongoing issue of fraudulent items persisting despite several attempts to remove them. As a valued customer of Credit Bureaus, I expect transparency, integrity, and swift resolution when faced with such matters. 

I discovered fraudulent items on my account, which were promptly reported to your company. Despite multiple attempts to rectify the situation, the fraudulent items persist, indicating a systemic failure in your security measures or negligence in addressing these concerns. 

These fraudulent activities have caused significant inconvenience, stress, and financial harm. Moreover, the repeated occurrence of such incidents reflects poorly on your company 's commitment to customer protection and satisfaction. 

I demand immediate action to : Thoroughly investigate the root cause of these fraudulent activities. 
Implement robust security measures to prevent future occurrences. 
Provide full restitution for any financial losses incurred as a result of these fraudulent items. 
Offer compensation for the inconvenience and emotional distress caused by this ordeal. 
Failure to address these concerns in a timely and satisfactory manner may compel me to explore further legal actions to protect my rights and interests as a consumer. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

This compliant is created by XXXX XXXX XXXX, which is a furniture retailer/company in XXXX XXXX XXXX In late XX/XX/XXXX, XXXX made XXXX payments to their manufacturer XXXX XXXX XXXX XXXX XXXX which bank account is with HSBC XXXX. The amounts were XXXX paid on XXXX XXXX, XXXX and XXXX paid on XXXX XXXX, XXXX. 

It has been more than one month that these XXXX payments have still been holding by HSBC Bank USA and not released to XXXX XXXX XXXX yet. As required by HSBC USA, XXXX provided related documents to proceed a security check for these XXXX payments on XXXX XXXX and XXXX XXXX separately, and then never heard back from HSBC USA ever since. Although XXXX has been sending update requests to HSBC USA for numerous times in last month.
Consumer complaint received 2015-10-30
Product: Prepaid card — ID prepaid card
Issue: Fees — 
Company: Empowerment Ventures, LLC (IA)

There 's multiple issues above that affected my abilityto use my RushCard such as the inability to view mytransactions, perform card to card transfers/movemoney from my RushGoal to my main account and deduct moneyfrom an ATM. The primary reason for these issues was dueto a " glitch '' with the website while performing an updateand scheduled maintenance. Consequently, I wassubject to temporary remove my direct deposit and amreceiving paper checks. Due to this change, I 'm now being charge {$100.00} late fee from my rent.
Consumer complaint received 2023-04-13
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. (NJ)

I submitted a letter to the 3 Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RS Clark and Associates, Inc. (CO)

XX/XX/XXXX receive medical treatment at : Account Name Original Creditor Open Date Balance Debt Contact Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX === {$1100.00} === {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX I paid my co-pay and XXXX XXXX Paid the balance of {$1100.00}. I resigned from my XXXX   job in XX/XX/XXXX. In XX/XX/XXXX I got a letter from collection agency for {$1100.00}. I went to the clinic to find out why they sent me to collection agency. They stated the claim was paid but charged back by XXXX XXXX. I called XXXX XXXX who stated they charged back the payment when they received notice that I resigned dated XX/XX/XXXX which triggered the charge back. I called XXXX, my previous employer about the wrong date and they corrected the date and sent it back to XXXX XXXX. I was instructed to tell the clinic to resubmit the claim for payment again because XXXX XXXX can not repay the claim until the clinic request repayment. 

The clinic office manager stated the doctor that worked at that time is no longer there and company policy will not allow them to reprocess the claim. I submitted a dispute and the reason twice to XXXX and each time they refused to verify with the clinic. 

The only result I want is for the collection to be removed from my credit. Its their right to decide not to process the claim but when they refuse to do so and XXXX XXXX is willing to pay the claim. That is there decision not to get paid. I ask that your agency call the clinic and request from them to remove the account from collection and suggest they change their policy and refile the claim.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO. (OH)

We began using WePay by Chase as our online processing company through authorize.net on XX/XX/XXXX. We had XXXX {$22.00} chargeback in XXXX of XXXX because a customer didn't recognize the charge name on their statement, which they later came in and paid. WePay by Chase has processed roughly {$78000.00} through their services. On XX/XX/XXXX we received an email stating that we were deemed high risk and they would no longer be processing payments through our site, however, they collected payments from XX/XX/XXXX up through XX/XX/XXXX, the date that they notified us that we were high risk, and we, not knowing that they were going to do this, released the merchandise to the customer. 
Upon contacting WePay, they state that they will release the funds after 120 days. We are not a major corporation that can just give out 10 days worth of merchandise and get paid for it in 4 months.
Consumer complaint received 2015-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I 've have been trying to complete a loan modification since XXXX XXXX 2013 because. I 've been submitting all required documentation to SPS financial and have not seen any results. I 'm currently working with a realtor to help me complete my loan medication because it 's been very overwhelming for me to complete this on my own. At this point, the lender continues to request new information and I 'm scared to lose my home to foreclosure.
Consumer complaint received 2023-03-20
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. (TX)

XXXX, Experian and XXXX are showing several accounts that are not mine and a result of identity theft / fraud. 
I am prepared to file suit against all 3 bureaus as this is causing a lot of conflict when I am applying for things. 

Experian : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} XXXX XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX : XXXX XXXX XXXX : open XX/XX/XXXX balance 0 Charge off 2 times on report XXXX XXXX XXXX XXXX : Open XX/XX/XXXX Balance {$540.00} Collection 2 times on report XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection 2 times on report / XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX : XXXX XXXX XXXX XXXX : open XX/XX/XXXX Balance {$1800.00} Collection XXXX XXXX XXXX XXXX XXXX Open XX/XX/XXXX Balance {$540.00} Collection XXXXXXXX XXXX XXXX : Open XX/XX/XXXX Balance {$4800.00} Collection XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XX/XX/XXXX Balance {$1900.00} Collection XXXX XXXX : XX/XX/XXXX {$530.00}
Consumer complaint received 2020-09-10
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: EQUIFAX, INC. (NC)

I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.
Consumer complaint received 2020-09-10
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: Penn Credit Corporation (FL)

Penn credit corporation {$820.00} that is electric bill when I live in Maryland also never send me a final bill and its imposible Im apartment electric bill is in {$820.00} also still in my credit report and I dont have job now and also in Maryland because Im this date born my new baby .and I try to dispute por inaccurate balance is incorrect
Consumer complaint received 2016-09-14
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AR Resources, Inc. (NJ)

This company AR Resources has put a deragatory collection account on my XXXX credit bureau reports as of XXXX/XXXX/16 but did n't pop up until XXXX/XXXX/2016. For a medical collection from XXXX XXXX XXXX. I have never ever heard of them and I believe that this is fraud. I have attached a police report and FTC Affidavit and I want it removed
Consumer complaint received 2024-02-21
Product: Credit 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)

Purchased tickets from XXXX, tried to cancel within XXXX hrs, not responsive since then todate. Called the credit card company, they gave temporary credit but after that reversed that for no valid reason.
Consumer complaint received 2020-09-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Thaxton Investment Corporation (IN)

I admittedly fell behind on my loan due to a bevy of injuries I experienced over the last 19 months. Coupled with COVID-19, times have been hard. I tried to get ahold of my local Heights Finance branch, and not only were the representatives there extremely rude and condescending, but I got nowhere. Since Heights Finance has charged off my account and sold it, I wanted to negotiate a fair payoff of this loan in exchange for removal from my credit report, which is within the purview of law to accomplish. But I want the corporate office to facilitate this, because the people here in my home office are impossible to deal with.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (SC)

XXXX XXXX XXXX is showing in collection on my credit file. It has a dropped my scores tremendously. It is also showing up incorrectly on the balance. It also shows on one bureau it shows as a debt recovery company on the other credit bureau, It shows up as a medical collection debt company. it has inaccurate dates because I did not open this account in XXXX  and it said it was open in XXXX I asked them to validate the debt and they have not validated the debt as of today but it has been placed on my credit file from two different collection companies and it has dropped my scores tremendously. I need this inaccurate debt and information removed from my credit report immediately.
Consumer complaint received 2015-07-30
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company (CA)

These folks keep calling and are asking me to return a call about a debt that I owe however when I attempt to call them I am put into a never ending loop and I get to speak with no one. They have also put something on my credit report that I know nothing about but since I can not speak to anyone I can not get resolution.
Consumer complaint received 2015-08-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

They are collecting wrong information from a guy with exactly same name. What is worse, that guy was in a debt. And I even do not have access to look into my own credit report because they are using his information on my SSN. So when I was using my information to check, it shows my information does not match with their database. The stain on the background has resulted in big troubles for me when I was applying for an apartment and credit card.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (RI)

EQUIFAX SHOWS A BALANCE FROM XXXX XXXX OF {$160000.00}. XXXX XXXX SHOWS A XXXX BALANCE. I WON A COURT CASE AGAINST XXXX AND THERE SHOULD BE NO BALANCE. I 'VE ASKED THEM SEVERAL TIMES TO REMOVE IT BUT THEY REFUSED. THEIR REPORT SHOULD ALSO SAY IT IS FORECLOSURE REDEEMED NOT " FORECLOSURE ''
Consumer complaint received 2024-02-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (FL)

Basically, I have been making attempts. Currently on my fourth attempt while trying to minimize issues with the process by completing a full manual certifications with both my own signature and my employers ' signatures. This final attempt might take a while to process. The third attempt, " XX/XX/XXXX '', I selected a deferment of loan payments due to my completing the > 120 payments. On studentaid.gov, a representative of XXXX  XXXX University provided an e-signature, which shows " completed '' on studentaid.gov. On the Mohela website, they list the same activity as a " duplicate form. '' Note that the form also requested a forbearance ; however, Mohela recently deducted {$480.00} on XX/XX/XXXX. 

Let us now move back in the timeline of attempting to get my last year of a six-year tenure at XXXX  XXXX University certified , which after eight months has not been certified. There were XXXX attempts at electronic certification. The first and second attempt was started on XX/XX/XXXX. I say first and second because XXXX  XXXX University sent XXXX separate forms, XXXX electronic to Mohela and the second through traditional mail after the first did not result in employment certification. Thus, there have been XXXX attempts by XXXX  XXXX University to verify my employment and XXXX attempts by me. XXXX of the XXXX  XXXX University attempts have been in vein, while XXXX of my attempts have resulted in the same issue. Although I am hopeful for a fourth attempt at something as simple as employment verification to be successful, the same " simple '' descriptor has be speculating that a single entity or cartel is causing a severe issue in the student loan sector which specializes in civil servants.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: I.Q. DATA INTERNATIONAL, INC. (OR)

The caller from iq data international said " I 'm putting your account in delinquents because I was unwilling to pay it '' then she said goodbye and hung up! while on the phone I was told by the agent and manager that there is a minimum to set up an account for a payment arrangement, but was NEVER told the minimum amount, I would say I can pay {$20.00} and they would follow it up with " it 's not good enough '' ... I would follow up with then how much is? and they would not give me a percentage or amount. Idk what they were trying to do but they never gave me a straight answer to any of my questions, they refused to take my payment over the phone and told me to send it in the mail this was after they said they accept XXXX they did n't accept {$20.00} I would ask how much is accepted they would say " not {$20.00} '' I was never told a percentage or amount. It was like bickering without coming to a conclusion. Now I do n't want to send in the check because she told me she 's putting it as delinquent, I do n't know what I 'm supposed to do I 'm confused.