davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (DE)

I called Penn Credit Corporation on XX/XX/XXXX and spoke with someone and told the guy I want to dispute this matter the guy told me I cant which wasnt true also I let him know this account was a very old account after he couldnt even found me in there system after 5mins of  being on the phone with him Pennsylvania has a statute of limitations of six years for typical debts. If it's been more than six years since a credit card debt or contractual loan obligation became due, the creditor can no longer take collection actions for that debt. This is a standard statute of limitations and is on par with most other states. 
I call the original company and they confirm that the debt was last paid by me In XX/XX/XXXX and after that a company called XXXX paid XXXX $ which I didnt pay The Pennsylvania Statute of Limitations on written contracts, oral contracts, promissory notes, and open-end accounts is four years. ( 42 Pa. C.S. 5525 ( a ) ) As a practical matter, the Statute covers most types of debt, including credit cards, medical bills, personal loans, etc. 
The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. I want it removed
Consumer complaint received 2023-03-02
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I recently received my credit report and there I noticed a lot of information that is not right. With the intention of improving my credit I sent out letters to verify the said information. I am not sure if they are reporting accurate, therefore I want them to send me a response.
Consumer complaint received 2020-10-23
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$200.00}, {$1400.00}, {$400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on  XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Consumer complaint received 2019-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NRA Group, LLC (TX)

I've sent them numerous documentation to prove the errors that exist on my credit profile but to date they have not corrected any items on my report. They allowed fraud to be placed on my profile now its hurting me financially as I am not able to obtain employment as of a direct misrepresentation and errors on my credit profile. Moreover, they have allowed a credit collection company named National Recovery to place erroneous credit information on my report. I've never signed an agreement with this company nor do I owe them anything.I believe their actions are criminal at this point and I am willing to testify in any court of law to that fact.
Consumer complaint received 2020-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK (TX)

Since XX/XX/XXXX when I opened my account, Discover Card has been charging my account for a payment protection plan which was unauthorized. I was charged over {$1600.00} not including interest for this fee. When I called to inquiry about this fee I was  told that I signed up for it in XXXX when I opened the account and they would only refund me {$360.00}. They also said they give its customers 30 days to review and dispute charges. I take responsibility for not viewing my statements as I should, but just because I didnt review my statements it doesn't make these charges legitimate. When I checked my statements, I noticed it only goes back as far as XX/XX/XXXX and it was opened in XX/XX/XXXX ( 1 year 5 month difference ). I think that is weird because I have another credit card and it shows my statements from when I opened the card in XXXX and I had that card 2 years longer than the Discover Card. I researched it to see if others were having the same issues and they were! Many people are saying that Discover placed this payment protection plan on their account without their authorization. So, I reached out to Discovers Executive Office on XX/XX/XXXX and XXXX was my case worker. I explained everything to him and he said he would get back to me within a week. He called back on XX/XX/XXXX ( a little over 2 weeks from when I called ) and said that I did sign up for the payment protection plan when I opened the card, the charge was on my statements, and I was sent a yearly newsletter ( separate from the statements ) reminding me of the charge. I didn't recall seeing any newsletter, so I asked him when was the last time I received it and  he said XX/XX/XXXX. My response was send me a copy of the newsletter I was sent in XXXX ( 6 months ago ) and something showing that I signed up for this in XXXX. He replied that he could not because that was a long time ago and his records dont go back that far! So, I said since you cant show me then who can, he said no one! So if you could see I signed up for it in XXXX and that I received a yearly newsletter in XX/XX/XXXX, how you cant show it to me when you just said you seen it. Im not just going to take your word for it. He kept going back to the statements. But, he even admitted that he dont check his statements. Furthermore, it being on the statement doesnt mean that I signed up for it. They cant prove I signed up for it. I did a XXXX  claim ( # XXXX ) and XXXX was assigned as the case worker. I asked him for proof that I signed up for this charge, and he ignored my request. I want a FULL refund.
Consumer complaint received 2019-11-05
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (FL)

I do not have a signed contract nor any contract with Debt Recovery Solution. I have never done business with this company. I am not liable for collection from this debt from Debt Recovery Solution. I am not responsible for this debt with Debt Recovery Solution. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2019-11-05
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. (LA)

I have been the victim of ID THEFT for years now and have fought with EQUIFAX to remove fraud accounts. EQUIFAX removed the fraud accounts. Conf # XXXX and XXXX and now the accounts are re-reporting!!! I can not get in contact with anyone who can help resolve this matter. At one time I was given the office of consumer affairs phone number to assist, but this number is no longer valid. I also can not log into myequifax.com upon begin told it would be fixed it has not!!! This is the error message I keep getting Please give us a call We can't complete your request at this time. 
Please call the Customer Care team XXXX Customer Care is available between XXXX XXXX and midnight ( ET ), 7 days a week. 

No one can help!!!! 
My SSN is XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX LA XXXX
Consumer complaint received 2022-04-06
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. (CA)

on XX/XX/22 i sent a letter to XXXX disputing information on an account named XXXX I never received a return information or respond meaning the credit bureaus are entitled to delete it permanently off my report
Consumer complaint received 2020-07-09
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CT)

PPP loan denied because there was an error on the account application that inaccurately showed that I was a foreight national. IAM NOT-I AM A US CITIZEN RESIDING IN THE USA. NOONE has called me back or helpd. Not my local branch manager XXXX XXXX here in XXXX. WHO CAN REMOVE THIS BLIGHT From my account at CHase under XXXX XXXX XXXX!!!!!!!!!!!! 

CHASE- DO THE RIGHT THING!!
Consumer complaint received 2019-11-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services (TX)

My original loan balance of +/- {$25000.00} that was being serviced by EdFinancial has been in various stages of repayment since XX/XX/2006 ( almost 13 years ). In that time the balance has actually increased to +/- {$28000.00} while I was making payments!

After calling the customer service line, they advised that this was because I agreed to a graduated payment plan. I never agreed to this ( knowingly ).

They also advised that the interest accrual was because of the forbearance. Again, this is something they said I agreed to in writing or verbally, but this is nothing that was ever disclosed to me in terms that I could understand. I would have never agreed to this had I understood that the balance of the loan would increase!!
Consumer complaint received 2024-05-12
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Paypal Holdings, Inc (MD)

After I contacted the CFPB, PAYPAL said they were going to correct the issues.

They are still blocking payments from going through They are lying and trying to make up additional issues as reasoning on why they restricted my account.

My account was solely restricted by PayPal because my XXXX XXXX reversed a nefarious charge from a digital seller that I bought a digital product from. 
Paypal reversed 1 charge my bank said there were 2 Now PAYPAL IS BLOCKING TRANSACTIONS FOR THE PAY IN FOUR PAYMENTS. THEY HAVE THE AUDACITY TO TELL ME THAT THE PAYMENT DIDNT GO THROUGH AFTER THEY BLOCKED THE PAYMENT COMING FROM XXXX XXXX XXXX XXXX XXXX MY BANK. THEY ARE CAUSING CHAOS FOR ALL MY FUTURE PAYMENTS UTILIZING THE PAY IN FOUR FEATURE. THEY HAVE CLERKS WHO ARE OUTSOURCED THAT BARELY COMPREHEND WHATS GOING ON AND THEY BLOCK ACCESS TO MANAGMENT TO SOLVE ISSUES. U CANT GET A PERSON FROM STATESIDE WHEN REQUESTED TO SOLVE ISSUES.

PAYPAL IS MAKING UP ADDITIONAL FAKE ISSUES NOT PERTAINING TO THE ISSUETO PROVIDE AN EXPLANATION AS TO WHY THEY RESTRICTED MY ACCOUNT AND CAUSED MAJOR PAYMENT PROBLEMS.

THERE WASNT ANY SABOTAGE TO MY ACCOUNT. MY BANK REVERSED A XXXX XXXX CHARGE AND THEY ESCALATED THAT CHARGE REVERSAL AS IF IT WAS A MAJOR ACCOUNT BREECH. AFTER I SPOKE TO THE ACCOUNT EXECUTIVE, WHO WAS AMERICAN, SHE TOLD ME MY ACCOUNT WOULD BE RESTORED.

SUBSEQUENTLY I CONTINUE TO RECEIVE EMAILS AND TEXT MESSAGES OF NON PAYMENT OF BILLS DUE TO PAYPAL RESTRICTIONS ON MY BANK, XXXX XXXX XXXX XXXX. 
XXXX IS BLOCKING PAYMENTS FROM MY BANK. 
I STILL CANT BELIEVE WHAT THEY HAVE DONE. IT IS JUST UNBELIEVABLY RIDICULOUS.
Consumer complaint received 2023-05-30
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: EQUIFAX, INC. (KS)

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, KS XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2020-10-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (CA)

I contacted XXXX since it was an unpaid balance with them, after updating my mailing address and phone number I made a payment of {$50.00} towards the balance because I could not afford the full balance at the time. 



When I contacted XXXX for second time, after a short period of time, I was told my account was sent to a collection agency, they were clear to dont worry about it because the collection agency would contact me via XXXX XXXX or phone call and I would have the chance to pay it before it pop-up in my credit report. Since I didnt get anything in the mail, I contacted XXXX again and they wont to provide the contact information of the agency. 



Time goes by, I did not receive a call or letter and now I checked my credit report and I realized that the account was placed in to collection agency name Southwest Credit System. As I called the collection agency, I was told that they had tried to reach out to me but turns out that XXXX gave them my old address even though I had given XXXX my P.O. Box address the last time I made my payment to them because I am in a XXXX  situation. 



My husband requested the supervisor a courtesy deletion since I was waiting for the letter in the mail and they received inaccurate information that prevented me to dispute or pay the bill before its pop-up in my credit report but they just refuse, Is a very unfair situation since as I said I am in a XXXX  situation and I need to clear this account from my credit to apply for an affordable housing. I am just asking for the fair thing, have the chance to pay it or dispute before it damages my credit.
Consumer complaint received 2024-03-19
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NM)

received an AMEX reward card for buying XXXX XXXX merchandise. This was a card sent by email, not a physical card. Amount {$520.00}. I have tried to use in different online stores, no luck. Declined every time. Called AMEX... totally useless ( like the card ) and some of the merchants who declined it. Reason was that the card was not liked to my name and billing address. I am tired of calling people to resolve this. The card is completely useless. 
Thanks for your attention ( and letting me vent )
Consumer complaint received 2020-07-09
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. (AR)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible.
Consumer complaint received 2019-11-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I contacted USAA savings credit card and I explain to them Ive never been in a military and I didnt open up a credit card in my name and someone stolen my information and open up a credit card with a XXXX limit and they refused to shut it down for fraud and take it off my credit report and told me I failed the verification and I need to call back and try again and its XXXX and I need to have this account taking off my credit report and they use my address and my phone Number and I didnt apply for this credit card
Consumer complaint received 2019-11-05
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: Experian Information Solutions Inc. (FL)

Good Morning, I checked my credit report as I am buying a house. XXXX XXXX XXXX   has made a late payment reporting 3 times since XX/XX/2019. Per my conversation with them they did not have my correct address and at no time have sent me notification via : mail, email, phone, etc. My current credit history is perfect with all payments made on time. 
They told me that they call and mail as a courtesy but are not required too. There has been no means of contact by this company
Consumer complaint received 2020-07-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC. (WA)

These are the two parties besides myself : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Evergreen professional recoveries XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX My wife and I are looking into refinancingourhome becauseof the low rates and I pulled ourcredit just to check on it before applying. I had a collection notice on my credit that I was not aware of. So I sent in a request to see what the collection was for ( Evergreen is the collection company ). I got back medical invoices with descriptions of medical work that had my name on it ( first time I had seen these invoices ). I never gave Evergreen permission to see let alone receive copies of medical invoices/records. If I knew it was medical I would have asked for XXXX to send theinvoices to me directly. I have the letter sent to me ( by Evergreen ) with the invoices that contain my medical info, let me know if you would like to see them. 
I had gone into XXXX in 2018 and it was an ongoing thing ( I was not getting better so I stopped going ), and as I was making the next appointment ( I remember 3 appointments ) I would ask about cost, the front deskpersonwould just say " if you owe anything it will be mailed to you ''. Well I never got a bill, either due to XXXX  or USPS. Never got a call, nothing untilit was on my credit.If I did I would have paid or at the very least set up a payment plan. 
I sent in a complainttoHealth and Human Services Office for Civil Rights Complaint, they said it was not a violation of HIPPA ( is that accurate? ). I also sent in complaints toJoint Commission ( have not heard back ) andWashington State Office of Insurance Commissioner. OIC are working on an audit to see if what XXXX/Evergreen say I owe is what I owe, they have not been helpful, I have had to ask them to reopen the case a few times. 
I don't want this on my credit report, it is the only knock on my credit and it is a big one. 
Thank you for your help and time, XXXX XXXX
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION (FL)

NAVY FCU closed my credit line alleging I owe a debt. Federal law states when a consumer account is closed any balance over a {$1.00} is credited to the consumer. The bank also incurs no loss because its insured under NCUA.

1026.11 Treatment of credit balances ; account termination.

( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( XXXX ) Credit the amount of the credit balance to the consumer 's account ; ( XXXX ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( XXXX  ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.