davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-14
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. (FL)

Previous inquiries related to fraud, which the accounts were closed and removed from my report have been reinserted. 

Recently I got hit by like 4 applications of credit for car and I am not able to get hold of someone on the phone they keep transferring from one place to another just spend 4 hours on the phone and still I was not able to talk to someone. 

Transunion Inquiries that reappear : XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Banks and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX Transunion fraudulent inquiries XXXX obtained a copy of your TRANSUNION XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX obtained a copy of your TRANSUNION XXXX XXXX XXXX, XXXX NEW! 
XXXX XXXX XXXX obtained a copy of your TRANSUNION XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank Credit Cards Phone Number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX
Consumer complaint received 2021-08-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (GA)

Date of medical service : XX/XX/2020 Location : XXXX XXXX XXXX XXXX XXXX, XXXX, GA Amount : {$640.00} Action taken by me : Patient balance of {$90.00} has been paid ; my insurance XXXX XXXX XXXX XXXX has paid {$1100.00} The unrecognised company The XXXX XXXX XXXX located in XXXX XXXX, Main, sent me an Invoice demanding me to pay extra {$640.00}. I wrote to them asking their relation with XXXX XXXX XXXX ; but no response! Finally, they sent my debt to collection agent I. C. System , Inc dropping my credit score by more than 34 points.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: COMMERCE BANK (IL)

I saw that Commerce Bank was offering a {$200.00} bonus for new checking accounts. I live in Illinois, which is one of their states, so I signed up and made a {$5000.00} deposit on XX/XX/XXXX. I just got a letter dated XX/XX/XXXX saying my account was closed due to inactivity. I had only had the account open for 6 weeks, and they are closing it for inactivity?? It 's clear to me that Commerce Bank is just trying to avoid paying the {$200.00} bonus, which would have occurred at the 90 day mark. They should n't be allowed to have people go through all the effort to honestly open an account with them and then deny the bonus because 6 weeks later they decide it 's not the kind of customer they want. They had my address when I signed up with the bonus promo code, so any sort of suggestion that I was n't in the bonus target area is ridiculous ... .they should have denied my application then if they did n't want people in my geography ( and I do live in a Commerce Bank state ). 

I sincerely doubt Commerce Bank is closing long-standing accounts that lack activity for 6 weeks. They are only targeting accounts for closure that they 'd have to pay a bonus on if they stayed open longer.
Consumer complaint received 2017-11-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

transunion credit report removes after an investigation then severa months later puts it back on my report, this account was obtained by stepson adding me 2 account with  out my permission.XXXX XXXX XXXX amount XXXX orig XXXX XXXX XXXX, who sold account. no contract exists.the last complaint filed with transunion over 3 months to no response.
Consumer complaint received 2021-06-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

There are 2 collection accounts on my credit report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. in this case XXXX XXXX is attempting to collect as capital one bank and XXXX XXXX XXXX is attempting to collect as XXXX XXXX. 

These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my credit report.
Consumer complaint received 2017-11-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (PA)

I received a letter in the mail on XX/XX/17 from Transworld Systems Inc.for a collection amount of {$57.00}. They 're billing me on behalf of XXXX XXXX XXXX XXXX XXXX located in XXXX FL. I 've never been to Florida nor have I ever received services from such a place. Also my name is not spelled correctly on this letter.
Consumer complaint received 2017-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (NJ)

This letter is to notify you that I no longer am disputing this account. I had paid this account thinking that it would be deleted from my credit report so I am not sure what was the point of me paying it. 

Please remove all consumer dispute statements from my credit profile as reported to the credit reporting agencies by your company upon receipt of this message.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I instructed my bank, XXXX XXXX XXXXXXXX XXXX to send via on line banking a payment to my XXXX XXXX XXXX credit card account in the amount of {$64.00}. I made the error of sending my payment to a CLOSED account at XXXX XXXX. In XX/XX/XXXX XXXX XXXX supplied the credit resources for XXXX XXXX XXXX cardholders. Since that time, XXXX XXXX XXXX  services XXXX XXXX XXXX cardholders. I did not realize the billing information and account numbers changed. This was my human error. 

XXXX XXXX received my payment and took my money even though there was no way to credit any account at XXXXXXXX XXXX because I am not an account holder there. My money should have immediately been returned to my account at XXXX XXXX XXXXXXXX XXXX given there was no way to credit any account at this bank on my behalf. Their service center is saying that payment was never received. Attached is the proof their bank got my money. I would appreciate your involvement in returning my money to me immediately. My money should never have gone into the coffers of XXXX XXXX. 

Attached is a copy of supporting documentation proving delivery of funds that was sent from XXXX XXXX XXXX via fax to XXXX to XXXX who clearly communicated yesterday that she would call to confirm receipt of this document. Still waiting to hear from her. I am sure since I received this documentation, she too must have it and my request has gone into a black hole. 

Apparently, XXXX XXXX, is the only person at this bank that has email accessibility via the web which is also proved to be bogus. Only the Office of Thrift Supervision Department of the Treasury ( OTS ) was able so supply me with a valid phone number to reach her. Only after speaking with XXXX @ XXXX, was I able to get a valid email address. Everything about communicating with this bank listed on the web is false. 

Because of the above situation, neglect, lack of contact and blatantly stealing my money that does not belong to them, I am submitting this complaint to www.consumerfinance.gov to report this incident to the Consumer Finance Protection Bureau. 

Thank you, XXXX XXXX
Consumer complaint received 2017-11-14
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (VA)

From XX/XX/XXXX-XX/XX/XXXX XXXX XXXX used my credit card to buy equipment for XXXX XXXX.  I have never authorized XXXX XXXX to make any purchases with my credit card. XXXX XXXX claims they had no idea where XXXX XXXX was getting materials and equipment from. I have reported the fraud to Chase Bank and to the XXXX Police. Chase continues to harass me even though I have already told them I have nothing to do with these charges.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I have informed Trans-union that all my accounts have been paid in full and they are still showing these accounts with Balance Owed. I want Trans union to correct my Credit Report to show accurate information.
By showing these accounts with Balance owed they have knocked my Credit Score from XXXX to XXXX.
I ca n't get a loan at this time because of Trans union Inaccurate Information on my Credit Report.
I want an investigation as to why they have n't corrected my Credit Report.
Waiting for a Reply.
XXXX XXXX
Consumer complaint received 2017-11-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SUNTRUST BANKS, INC. (NY)

In XX/XX/XXXX I took a student loan out for my daughter a sum XXXX original lender was XXXX XXXX, three months later I go on XXXX and default. XXXX XXXX sold my account to XXXX. When XXXX contacted me the principal default XXXX, interest accrued {$4300.00}, other charges accrued {$34.00}, collection cost accrued {$140.00}, collection cost projected {$5900.00}. The loan exceeded a total of {$38000.00}. In XX/XX/XXXX I did the student forgiveness program with XXXX. XXXX told me to pay as low as {$5.00} a month, but I had to pay {$5.00} for 8 months I completed the program. two months later I get a letter from SUNTRUST asking me to pay {$400.00} every month to pay the student loan. I do n't owe SUNTRUST anything. I am afraid they are going to destroy my credit again.
Consumer complaint received 2024-05-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC. (CA)

On XX/XX/XXXX I made a transaction for {$790.00} which posted on the XXXX, however the merchant claimed they didn't receive payment and tried charging my account multiple times after. i reported the transaction and even did a 3 way call with the merchant and a representative from Sofi bank and the merchant told the sofi rep that they never received the funds. They later admitted that they did receive the original payment but only after they double charged me. 

At first I was told by a sofi rep that I would be getting a provisional credit if they can't complete the investigation within 10 business days, the 10 business days passed a long time ago but now sofi says it can take 90+ days to complete it's investigation and that this type of dispute doesn't qualify for a provisional credit. I requested an explanation and even quoted the EFTA and Regulation E sections on error resolution procedures and they completely ignored the request and replied by telling me it doesn't qualify. 

On XXXX XXXX the merchant charged me {$790.00} again using another form of payment because they said they still had not received payment for the XX/XX/XXXX transaction. The merchant 's support later admitted to double charging me as they apparently found the original payment. The merchant did not return the either of the charges. I sent copies of my communications with the merchant and the double payments to sofi but they still have not helped me resolve anything. I've been hung up on by supervisors after waiting on hold for over an hour just to speak with them.
Consumer complaint received 2017-11-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I had a credit card with Bank of America. In XX/XX/XXXX I paid the remaining balance of XXXX. I just recived a bill from Bank of America for XXXX with a threat of a XXXX late fee at 29.99 % interest on a XXXX balance shown on the bill I have recived. So in short Bank of America is fraudulently charging me XXXX on a XXXX XXXX balance? 

My full name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX XXXX # XXXX Confermation number XXXX CP # : ( XXXX ) XXXX
Consumer complaint received 2017-11-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp. (FL)

1. On XXXX XXXX, XXXX my car was repossessed by World Omni ( XXXX XXXX XXXX XXXX ) from my home in XXXX XXXX, FL. 
2. Their clam is that I was mailed A Notice of Our Notice to Sell on XXXX XXXX 3. They claim that they mailed a Repossession Accounting Statement on XXXX XXXX, XXXX I have written several letters ( attached ) disputing their claims When you see their paperwork it clearly says XXXX XXXX XXXX. 
This not my address I have constant problems with this as my mail gets delivered to XXXX XXXX I did not receive any correspondence from World Omni concerning my car. 
I was deprived of my right to recover the car by making monetary arrangements or paying off the balance within the allotted recovery time When they sent their answer to my correspondence on XXXX XXXX, XXXX it was received by me because it had the correct address which is XXXX XXXX I have asked them to provide proof that I received the following documents by certified or signature proof of delivery 9-506. EFFECT OF ERRORS OR OMISSIONS.
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.
These documents are required by law by the UCC Code and must show proof of delivery or the repossession is a violation of law. 

I further asked that the record be removed from all the credit reporting agencies immediately. 
They have refused to acknowledge that this charge is disputed with credit bureaus and is inflicting harm to my ability to get loans of any kind I fully intend to sue if this is not resolved as this is causing me mental anguish as well as monetary hardship
Consumer complaint received 2021-08-05
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. (GA)

On XXXX and XXXXI sent a letter regarding inaccurate items, late payments and unknown things on my credit report to this day over 75-105 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Being it has been so long without a response I would like for the items to be removed from my credit report. These accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year and it has been over 75-105 days so they should be deleted promptly. I have reached out to all companies but to no avail and no responses. Please help with these unfair challenges
Consumer complaint received 2017-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NE)

In XX/XX/XXXX XXXX XXXX illegally defaulted my loans despite my submitting a request for a deferment. While I only borrowed approximately {$75000.00} I now owe over {$160000.00} due to default fees and penalties. This is loan shark practices. Furthermore, my income tax of over {$6000.00} from tax year XX/XX/XXXX was taken and NEVER applied to my balance. I have made numerous complaints since XX/XX/XXXX to  present to XXXX XXXX, US Department of Education, and Congress. This is loan shark practice and simply impossible to pay. I NEED HELP
Consumer complaint received 2017-11-14
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. (NM)

Enclosed XXXX will find correspondence with XXXX XXXX XXXX XXXX showing they have taken the steps to remove account from collections status. Experian has been notified of bankruptcy no less than seven times now requesting my credit report reflect accurately. I have provided discharge notice on every occasion along with request to fix the errors. Experian has failed to fix the problem. At this point my attorney is suggesting that Experian is the liable party for a law suit. I have provided all documents for this very simple error. I will provide them all yet again in this complaint. If this is not resolved in the next 30 days a law suit will be filed in federal court for violation of court order and violation of the Fair Credit Reporting Act. XXXX with XXXX XXXX XXXX XXXX informed me, on a recorded line on XX/XX/2017, that  any failure of this reporting correctly would be a failure on Experian 's part not theirs. All other companies who were informed of their inaccurate reporting fixed the errors within a week and were also reflecting within that time frame. There is no excuse for this gross negligence other than someone somewhere is not doing their job and it is reflecting poorly on the company and harming the consumer.
Consumer complaint received 2017-11-14
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)

XX/XX/XXXX I submitted a letter to settle by deleting unverified information off my report. Experian, sent me a letter stating they will not follow government law to do so. I am attaching the letter to this complaint along with 4 months worth of letters sent to settle the issue. They wrote I needed to be specific and all my letters stated I want experian to follow the law by verifying the information on my report that I have concerns with. That is very specific. If they are not able to verify they are required to delete, in which the statute of verifying with Proof has expired. I have been sending my verification and they are asking for it in the letter. Experian is ignoring the fact that there are laws that give me the right to ask them to verify any account on my credit report, which would keep creditors honest and reporting agencies on board of reporting things they suppose to report.
Consumer complaint received 2017-11-14
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: EQUIFAX, INC. (FL)

Previous inquiries related to fraud, which the accounts were closed and removed from my report have been reinserted. 

Recently I got hit by like 4 applications of credit for car and I am not able to get hold of someone on the phone they keep transferring from one place to another just spend 4 hours on the phone and still I was not able to talk to someone. 

XXXX Inquiries that reappear : XXXX Date Filed XXXX/XXXX/XXXX Type BankXXXX and XXXX XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX Date Filed XXXX/XXXX/XXXX XXXX XXXX and S XXXX XXXX Phone Number ( XXXX ) XXXX Address PO BOX XXXX XXXX fraudulent inquiries XXXX obtained a copy of your XXXX Credit ReportXXXX XXXX, XXXX XXXX XXXX XXXX XXXX obtained a copy of your XXXX Credit ReportXXXX XXXX, XXXX NEW! 
XXXX XXXX XXXX obtained a copy of your XXXX XXXX XXXX XXXX, XXXX EQUIFAX XXXX. XXXX XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address PO BOX XXXX XXXX. XXXX CARD Date Filed XXXX/XXXX/XXXX Type Bank XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX. XXXX XXXX De XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX. XXXX XXXX from XXXX XXXX, XXXX
Consumer complaint received 2021-02-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (RI)

Hello, I am having an ongoing issue with a collection agency : Wakefield & Associates ) for an account which I have disputed and requested information on. The company has repeatedly marked the account as meeting FCRA requirements but have not once provided documentation under the Fair debt collection practices Act. i have asked that they do so. 

The account appears to be a medical collection, which is strange because I do not have any medical debts. 

I am asking this agency to provide the needed oversight for this company to take my dispute seriously, and it shames me to have to do so, but they have not been helpful and have only stone walled me.
Consumer complaint received 2020-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: U.S. BANCORP (FL)

On XX/XX/XXXX, I received notice that based on my credit score from XXXX in XX/XX/2020, my APR was being increased to 17.99 % on XX/XX/XXXX. 

I have had this card for about 10 years so I phoned to question why they were not using my current credit score rather than going back to a score from 5 months earlier. I was told that they intended to raise it sooner but due to Covid it was delayed. I closely follow my credit scores which are either XXXX or XXXX. I spoke with four different people and the manager told me sorry, there is nothing we can do about it. 

I feel I am being penalized just so the credit card company can get more money.