davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX is complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2017-10-16
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. (NC)

I submitted a balance ONLY dispute with Transunion for an authorized user account with XXXX XXXX XXXX XXXX XXXX XXXX xxxx ) in XXXX because the balance was XXXX and it was not reflecting that. I was informed that Transunion simply deleted the account without investigating it and has refused to add it back to my credit report even though it has been confirmed twice with XXXX XXXX that they have reported the account this month and has sent a dispute to them via my request to add it back. This is a violation of FCRA law, my credit report is not accurate because of their refusal to add key credit factors to the reporting. I am requesting your assistance to enforce the law and have them add the account back to my report immediately.
Consumer complaint received 2016-03-24
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Levy & Associates, LLC (OH)

Was sued by XXXX XXXX. Contacted office twice for proof of debt and who originally had the loan. Twice they mailed a copy of the default judgement. They refuse to provide any proof of what this debt was for, who original owner of debt is, and amount. I disputed this through XXXX and it was removed. However, XXXX XXXX Court is still showing that it is not satisfied.
Consumer complaint received 2017-10-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was astonished once I viewed my XXXX, XXXX and XXXX  credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX XXXX I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.
Consumer complaint received 2017-06-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

On   XXXX   XXXX   XXXX     I contacted Bank of America to try to reach a resolution with an account that I allegedly owe. I did not to admit to any debt owed and asked the representative what options are available for this unowned debt to be removed. The representative proceeded to tell me that this is her last call of the day so we needed to resolve the issue immediately. The more I explained, she let me know that she would have to connect me to a collection department. When I was transferred to a collection department, the rep informed that no pay to delete options could be made with bank of America because, " When your account is charged off, we get discounts with the FDIC and the account does n't effect us anymore. '' He proceeded to refer me to  XXXX   XXXX   XXXX  and said that I would have to talk to them to resolve this issue and work to have my credit updated. After contacting this company, they did not even attempt to pull up any account or verify any amount owed and yet demanded a payment of {$2000.00} for removal of account. I would not proceed with any transaction and was informed that Bank of America and  XXXX   XXXX   XXXX  can sue me for refusing to pay the debt!!!
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MD)

XXXX XXXX hired collection agency : SOUTHWEST CREDIT SYS XXXX XXXX XXXX, XXXX, TX XXXX to collect a debit on an account opened by someone else using my name and social security number. According to XXXX, the account was opened XX/XX/XXXX and closed on XX/XX/XXXX leaving an outstanding balance of {$3200.00}. The account went to collections XX/XX/XXXX. The address associated with the account is : XXXX XXXX XXXX XXXX . XXXX XXXX, MD XXXX I have never lived at this address. I have contacted both XXXX and the property manager of the address associated with the account in an attempt to get them to share information and verify that the debt is not mine. Neither party is cooperating, leaving me in a position to have to prove a negative. I informed XXXX that since they can not demonstrate consent by me in the form of a contract or audio recording authorizing them to start an account, they must release me from the debt. XXXX is throwing spaghetti on the wall by transferring their loss onto me, which is obviously, unethical and causing me great financial damage. Please advise.
Consumer complaint received 2017-10-16
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. (LA)

Chase Bank sent me an insufficient funds notice on XXXX/XXXX/XXXX {$30.00}. Changed my check- ing account from Chase to XXXX XXXX earlier this year. Only kept minimal amount in Chase account to maintain the business account. All other purchases were made from XXXX XXXX. - {$120.00} Chase balance was paid on XXXX/XXXX/XXXX by XXXX check # XXXX. I forwarded a letter to Chase on XXXX/XXXX/XXXX, along with my cut up debit card, with specific instructions to immediately cancel my business account. The overdraft was caused by XXXX not using my correct authorized credit card account. On XXXX/XXXX/XXXX I deleted the Chase card from any further purchases, only authorizing XXXX XXXX debit card for future purchases. I was again contacted by Chase concerning the overdraft on XXXX/XXXX/XXXX and several phone calls per day from XXXX. I explained to the caller that I had already forwarded my check, # XXXX with my cut up debit card, as full payment for the {$120.00} overdraft and that I had instructed them to immediately close my account with no further authorized transactions. On XXXX/XXXX/XXXX I received another insufficient funds letter from Chase in the amount of {$79.00}. This transaction was not authorized by me and it was after Chase account cancellation. From XXXX/XXXX/XXXX until this date Chase has been harassing me, telephonically concerning this mentioned overdraft. Chase paid XXXX an additional {$79.00}, {$14.00} and {$58.00} and charged me an overdraft fee of {$100.00} after I directed that my account be closed effective XXXX/XXXX/XXXX. I personally spoke to a Chase representative on XXXX/XXXX/XXXX and no more transactions should have been authorized after XXXX/XXXX/XXXX. I was advised that my check # XXXX ( {$120.00} ) was deposited on XXXX/XXXX/XXXX. This whole time receiving harassing phone calls daily from Chase. On XXXX/XXXX/XXXX I deposited my check # XXXX, in the amount of {$150.00}, payment in full for the unauthorized payments to XXXX. I again advised Chase XXXX, La. manager that I was paying XXXX unauthorized payments in full and that I again directed that this Chase account be permanently closed today. I had to place the Chase number XXXX XXXX on my phone number delete list in order to stop receiving the harassing calls. 
I have verifying documents ( 11 ) if you need verifying documentation.
Consumer complaint received 2016-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MA)

To whom it may concern : I have mortgage with XXXX Chase ( lender ) and I never want to have an escrow account that means I pay insurance and property tax myself. I do not know why Chase forces me to have an escrow account that I never want to. Can you please help? 
Regards, XXXX XXXX
Consumer complaint received 2022-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

Upon receiving my dispute for " ONLY '' XXXX XXXX XXXX on Experians dispute form they provided, along with all required documentation, they admittedly made an error in disputing information I did not authorize on XX/XX/2022 report # XXXX. I spoke with the dispute specialist who assured me it would be taken care of, as it was their mistake in confusing a check fraud claim from the FTC Identity Theft Report XXXX, in turn, filing a dispute ( without my authorization ) to remove my XXXX XXXX XXXX XXXX account from my report causing a drop of XXXX on XX/XX/2022 & an additional XXXX on XX/XX/2022 totalling XXXX from Experian and XXXX 's from XXXX & XXXX also ... 2 hours prior to my having to call XXXX XXXX and try to resolve it myself. Failing to correct their own mistakes caused me to completely start over again with XXXX XXXX. This was poorly handled with NO apology or resolution. I request everything be reversed immediately and they be held responsible for my troubles of this occurring after tirelessly cleaning up the nightmare of being a victim of ID Theft and at the very LEAST offer me free credit monitoring to prevent even them from possibly doing this again. 
Thank you for your consideration in this matter
Consumer complaint received 2017-10-16
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY (SC)

Today, XXXX XXXX, XXXX, we are closing on the sale of a property. The payoff balances were substantially different than what they should have been based on the last received statement. In essence, they said the previous month 's statement balance is not the payoff balance. This is at least misleading and at worst criminal. How is anyone able to follow interest calculations if the balances are not correct?
Consumer complaint received 2019-03-01
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. (IL)

The company below posted this collections account to my credit report. The company has never contacted me to dispute. I have a right to receive the debt and be given 30 days to dispute. I was not given a chance to dispute. This dept is not mines also. 

COLLECTIONS XXXX XXXX XXXX Opened XX/XX/2018 {$31000.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview
Consumer complaint received 2017-10-16
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: EQUIFAX, INC. (OH)

I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX 2. XXXX XXXX XXXX # XXXX  3.XXXX XXXX XXXX XXXX # XXXX   4.XXXX XXXX # XXXX  I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.
Consumer complaint received 2017-06-07
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC (AZ)

The 2nd lette r indicates date of service as being  X/X/16   . I was NO longer in the hospital at the time. As I indicated on my  XX/XX/16    letter, I had  XXXX   XXXX  but as soon as I no longer had insurance due to some error on their part I was released from the hospital although I was still in a compromising condition I consider this a negligent behavior on part of the medical center.  <P/> This was NOT a request for verification or proof of my mailing address, but a request for VALIDATION I respectfully requested that their offices provide me with competent evidence that I have any legal obligation to pay them.  < P/>
Their offices have reported invalidated information to any of the 3 major Credit Bureaus (  XXXX ,  XXXX  or  XXXX  ) this action might constitute fraud under both Federal and State Laws. The state attorney and insurance commissioner I am sure would be happy with the billing practi  ces.
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCC Business Services, Inc. (GA)

NCC Business services has called me multiple times. Every time they call I try to make arrangements TO PAY AND RESOLVE the debt. They will gladly setup a payment arrangement but refuse to give me any paper work on the matter. They said if I would make a payment arrangement and pay it on time that it would not go on my credit. When I ask for said paperwork stating those facts they refuse to give to me repeatedly. They say that is not something that they do and that I should take their word. I did a lot of research before dealing with this company and their word does not have a good reputation. Im not providing them with any further information or payment without a written agreement.
Consumer complaint received 2017-10-16
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. (OH)

I recently submitted a report for identity theft due to recent discovery my identity has used to open up account for medical and utilites. The following items should be removed and deleted from my credit report Account Numbers 1.ACCOUNT XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX* 2. XXXX XXXX XXXX # XXXX 3.XXXX XXXX XXXX XXXX # XXXX 4.XXXX XXXX # XXXX I was living in XXXX OHIO at the time these account were open. I do not recognize these companies and I have never lived in XXXX Tennessee.
Consumer complaint received 2017-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NCC Business Services, Inc. (CA)

I have repeatedly requested an investigation to be conducted as to the balance reporting on my credit file by NCC business services regarding a collection account by XXXX/XXXX. They are reporting an incorrect balance owed of {$1000.00}, and have repeatedly updated this balance even after I have advised them this debt is over 7 years, and also discharged under my Chapter XXXX Bankruptcy filing. Attached you will see a version of my latest credit report that indicates they processed an investigation in XX/XX/XXXX and NCC business services verified the reporting and balance as accurate. This is absolutely incorrect and very damaging to my credit history. I requested a second investigation in XX/XX/XXXX, and I am providing a copy of my discharge paper. I am just appauled that NCC has been reporting this falsely on my credit report causing serious hardship in my ability to secure housing for almost 7 years. I am not in a very tough situation and feel NCC is trying to use my housing hardship to co-erce me into paying a debt I have been discharged from, legally.
Consumer complaint received 2021-05-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation (MI)

I fell behind on my loan due to my employer shutting down due to covid XX/XX/2020. I told XXXX that I'm temporarily laid off due to covid and not able to pay on my loan. They never gave me options to help. They keep contacting me telling me i have to pay. Even though i keep telling them im not able to at the moment. So eventually i stopped answering. But they keep calling and harassing me.
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (MO)

Was involved in a Motor vehicle accident XXXX/XXXX/2016 filed claim with USAA. Claim was paid for accident the money was deposited into our USAA checking account, However I was notifed that we was involved in a bank fraud and our account was frozen. due to the investigation. After the determination was made the bank ruled as a scam. After we informed them that our bank card and account info was released and was unknown to us. The claims department refused to re issue the amount of money to fix the damage, and is also refusing to provide ANY documentation to us so we are able to seek further help to pay for the vehicle. USAA took over XXXX from our account which was our paycheck and claim to fix the car.
Consumer complaint received 2019-03-01
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: JPMORGAN CHASE & CO. (NY)

I filed a dispute with Chase around XX/XX/XXXX about {$220.00} charge from XXXX. The reason I filed the dispute is I returned everything in store face to face but XXXX didn't refund me. And I kept the return receipt as the supporting document. Chase got response from XXXX saying they never got my return so Chase asked me to provide the return receipt. This is all acceptable and understandable. I did send the return receipt to the email Chase provided right after they called me. But then they called me saying they still haven't received anything from me. We confirmed the email address again and I told them I would send the email again which I did right away. I also told them to call me back if they still couldn't get it which they didn't. Instead I got a letter from Chase on XX/XX/2019 asking me to provide the document again. I was trying to upload the document through the secure messages but I couldn't due to their website technical problems.Then I emailed again and called the dispute customer service again asking about this. They asked me to fax it. I faxed two times in the morning on XX/XX/2019. Then I also called them to confirm if they receive it or not. Shockingly, they still told me they haven't received anything. On XX/XX/2019, I called Chase dispute service twice. First time the lady told me they still didn't see anything from me but second time another lady told me they got my fax. However, on XX/XX/2019, this guy from Chase called me again telling me they are still waiting for me to provide the document and told me they haven't got anything from me. I am so upset and frustrated with all this inefficient communications. I am the one being cooperative and keep calling them and sending them the documents so many times. But instead of checking through its own process, Chase only knows to call me and keep asking me for the documents that I already provided by fax or email. This is really painful to me and really unacceptable.
Consumer complaint received 2022-01-07
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. (NJ)

All three of the consumer reporting agencies XXXX, Experian, and XXXX has been reporting late payment for my credit card with XXXX XXXX. I reached out to all three agencies and all of them gave me the same generic response that the late payment is reporting correctly after their investigation which is not correct. This led me to believe that they are just using an automated system to reply to letters to consumers. This is unacceptable and frustrating. They are not a government agency and I never gave them permission to gather any data on me, why am I jumping through all these hoops for them to correct an error reporting on my consumer reports? I reached out to XXXX XXXX myself, they stated that I have never been late on my account. I am attaching a copy of my statement for the period listed as late on my consumer reports as proof that I was not late. Because of this, Ive been denied credit and given a higher interest rate on a loan that I applied to. I am demanding that this is corrected right away before this issue is brought up in federal court to exercise my rights under the FCRA which I will be sure to demand the maximum remedy for each violation.
Consumer complaint received 2017-06-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

FedLoan refuses to appropriately address its repeated violation of laws. In a previous letter, FedLoan discussed section 682 ; however, they refuse to respond to its violations of 685. In violation of federal law, FedLoan Servicing restricts repayment in various ways including but not limited to : ( 1 ) limiting 8 electronic payments per month ; and ( 2 ) refusing to accept payments on weekends. The text of operative legal language is included below. Note that the law requires that borrowers be provided the opportunity to the prepay the debt AT ANY TIME. Therefore, FedLoan 's limitations are illegal. 685.211 Miscellaneous repayment provisions. ( a ) Payment application and prepayment. ( 1 ) Except as provided for the income-contingent repayment plan under 685.209 ( a ) ( 3 ) or the income-based repayment plan under 685.221 ( c ) ( 1 ), the Secretary applies any payment first to any accrued charges and collection costs, then to any outstanding interest, and then to outstanding principal. ( 2 ) A borrower may prepay all or part of a loan at any time without penalty. If a borrower pays any amount in excess of the a mount due, the excess amount is a prepayment. https :  XXXX  Very truly yours, /s/  XXXX   XXXX
Consumer complaint received 2017-10-16
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. (TX)

In mid XXXX XXXX, I filed a written dispute with TransUnion, XXXX, and XXXX to delete unverified information from my credit report. I requested that they provide an original document with my signature on it from the debt XXXX verifying the debt belonged to me. I 've since received notice that my investigation was closed with all account verified, but did n't get any proof from the debt XXXX or credit bureaus with the original signed document. My primary concern it that these bureaus have incorrect information on my file, and this is prohibiting me from being able to acquire credit for life necessities.