davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (NC)

XX/XX/2020 I contacted Paragon Revenue Group to find out about this surprising mark that was reported to me on my Credit Reports. I spoke to XXXX who was the front person and she told me that they tried to reach me by phone calls. I never received not one message from this company. She told me the phone calls could have been marked as SPAM. Well my phone forwards ALL SPAM calls to my Voice Mail. So that is a problem from the start because I have yet to receive any messages from this organization. Then she said they sent me mail through XXXX about this but I told her I never received any mail from this company. Again, I am left in the DARK about this account. 
Next she transferred me to her manager, XXXX, and she said I should have known in XXXX that this bill was due. Well how was I suppose to know when I never received any correspondence from the company via phone calls, voicemail messages, letters, etc. 

As you can see in the attached letter to XXXX  that I was under the impression that this balance was paid off by my XXXX XXXX.
Consumer complaint received 2021-05-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (TN)

I am aware of my rights as a consumer and it has been brought to my attention that my rights have been violated with this company in the past. I have been violated under the Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), The Truth In Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ). For years I made payment towards this debt when in fact I did not owe. I am the original creditor. Santander is not the original creditor. Santander is a debt collector 15 U.S.C. 1692a ( 6 ), any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another ). 
I extended my credit and filled out and submitted a credit application to create this debt. I used my credit card number on the credit application. Credit from my open-end credit plan funded this consumer credit transaction. Unauthorized use occurred as defined in 15 U.S.C. 1602 ( p ), ( as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. ). For years I continuously made payments towards a debt that was already paid yet was harassed, threatened with late fees, potential repossession as a result of missed payments, etc. 
At the time I created the debt my name was different. I have since had a legal name change. So the account associated with my SSN will reflect my former name. 
I am enclosing a copy of a credit report which shows Santander reporting. I paid the entire {$10000.00} balance in full. If this matter is not resolved I will have no other choice but to file a civil suit against XXXX in Federal Court for discrimination under the Equal Credit Opportunity Act because I am exercising my consumer rights under this chapter. Pursuant to 15 U.S.C. 1691 ( a ) ( 3 ), ( It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. ). 
I look forward to your full cooperation in this matter.
Consumer complaint received 2020-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (IL)

I been asking numerous of times for documents on this account but for some reason have not received it. But credit bureaus come back as being verified how is that? How did it get verified? I have the rights to have it verified with me also
Consumer complaint received 2022-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (AL)

This is the information regarding the bankruptcy cases. This is the information. Of repose discrimination. To the regard of the Notebook and bluebooks. Filed on the cross examination. With the treason forgery and identity theft. Also is in the relationship to responsibility. On the disregard of the Ethics committee and the department of education. XX/XX/XXXX XXXX XXXX XXXX. Filed infomation and grievance to protect the consumer respondent of the application A-B. XXXX XXXX XXXX with the 44th president seal of the approval to the XXXX and XXXX regulation of hi-tech information and programs consumer. With fcra defense of the social security administration office and cross file. Breaching with the defendant coverage liability and equal opportunity rights of the administrative court and federal court inquiry commission breach discrimination with the public communication forms and document to XXXX XXXX XXXXXXXX XXXX  XXXX Georgia XXXX.
Consumer complaint received 2021-05-30
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2024-02-25
Product: Credit reporting 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. ()

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within XXXX  days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.
Consumer complaint received 2021-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/2021 XXXX  Date of inquiry XX/XX/2021
Consumer complaint received 2021-05-30
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION (TN)

Sallie Mae dropped the ball with the repayment plan and did not do as they stated they would to fix the incorrect information on my credit and my co-signers credit report. 
When calling to resolve the issue there was a run around, never speak to the same person. Ive reported it to the credit bureaus as a dispute and they deny it and still will not fix the information. 
I have proof that Ive been paying monthly in a repayment plan since the 60 days they claim Im past due. They stated on the phone that this would NOT affect my credit. And lied and it has. I am unable to get a lease to live, or refinance. This is affecting my life negatively over their mistake
Consumer complaint received 2020-08-24
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (FL)

I've been a card holder for over 3 years now. I've always had a {$1000.00} credit limit. I've asked multiple times for line increases that were never granted. I use my card about once a year and usually have no problem paying off the balance. This year Covid-19 has turned the word upside down and my annual purchase I haven't quite paid down as quickly as I normally would due to my business financially struggling. They reported 2 late payments to the credit bureau. I sent them a goodwill letter explaining my current hardship and ask that they remove the negative reporting to the credit bureau considering that we are in a global pandemic. 

They sent me a letter XX/XX/2020 stating that they have changed my credit limit from {$1000.00} to {$300.00} due to a significant decrease in my credit score. I currently still have a balance on my credit card that is about {$310.00}, so not only did they decrease my credit limit out of nowhere, but they decreased it past the balance that its currently carrying so that I'm automatically over my limit. These actions are extremely antagonist in nature. A credit card company reporting an over the limit credit card balance can drop your score over 25 points. I've never had a late payment ever with this company and the year that the entire world is suffering economically and financially Comenity Capital Bank rewards me with a stab in the back and then rubs salt in the wound. This is absolutely unacceptable.
Consumer complaint received 2021-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Debt Recovery Solutions, LLC (FL)

I sent a debt validation letter on XX/XX/2021 to Debt Recovery Solutions located at XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX and they received my request on XX/XX/2021. This company has failed to validate my debt. Instead they sent me a bill which is not what I requested. Please delete this information from my credit file and cease all collections activities immediately.
Consumer complaint received 2021-12-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP (GA)

Ameris Bank Mortgage had my loan for my home. I sold the home on XX/XX/2021 and contacted Ameris Bank the second week of XXXX regarding my escrow refund. I was told the check had been issued and mailed to the old address. I checked with the new homeowner and it had not been received there. I changed my address online and by phone with the escrow department. They told me they would wait 30 days from XXXX ( original date of issue ) and reissue but it could take 30-60 days before I got it. 
I called every XXXX weeks during that time with no update. Finally XXXX person told me they wouldn't tell me anything until the full 60 days was done. So I contacted them XX/XX/2021 ( more than 60 days after second attempt ) and they told me there " was no update '' on my issue. They couldn't tell me if the check had been cut or not. XXXX said she escalated to her supervisor and asked for expedited handling but that it could take another 30 days before it was cut. When I asked what I could do she said I could wait 30 days. I have now been waiting XXXX months for over {$3000.00} in escrow that belongs to me to be sent to me. And they are telling me I have no recourse but continue to wait. 
There has to be something I can do to get my money.
Consumer complaint received 2021-10-21
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. (OH)

I am not an attorney or third- party rep, there are accounts on my credit report that does not belong to me and believe that this is an act of fraud. I have a legal right to dispute the following accounts : -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 XXXXXXXX
Consumer complaint received 2018-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (GA)

SLS is attempting foreclose on my home a fraudulent robo signed assignment. The assignment was created after the cut off date of the pooling and services agreement filed with the U.S. Securities Exchange.I also revoke the power of attorney that XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX has. I have sent 2 QWRS and a debt validation letters. I submitted a complaint on XX/XX/XXXX, and they still have my home in foreclosure
Consumer complaint received 2021-02-13
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: CITIBANK, N.A. (WA)

Am responding to CFPB 's request for feedback regarding complaint # XXXX and # XXXX. Citibank 's response made no sense what so ever and no effort has been made to resolve the issue at hand. Subsequently documentation that substantiates " An airline must return fees paid if they cancel the purchased flight. '' has been sent without a response. The flight in question was purchased in XX/XX/2020 and scheduled to depart on XX/XX/2020. XXXX XXXX canceled the flight and all others from the US in XX/XX/2020 and Citibank informed soon thereafter.
Consumer complaint received 2021-05-30
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A. (NJ)

I am an individual with a XXXX XXXX  that I file on my personal tax return. The business name is XXXX XXXX XXXX XXXX XXXX. I contracted with my bank, PNC Bank for a XXXX point of sale system. Since the beginning XXXX has been nothing but problems. Most recently, my system will not connect to wifi via a standard wifi hotspot. I followed the instructions of PNC 's third party vendor, XXXX to do a factory reset of my device, causing me to lose sales saved in the device and not synced to the bank. I am tired of the bank punting me to XXXX who is clearly incapable of resolving the rpoblem.
Consumer complaint received 2021-05-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I received an email from LVNV saying they purchased a debt from XXXX XXXX for {$1700.00}. I have no idea if this is a real company. I dont have this high of a credit limit on my card and my current balance is only {$17.00}.
Consumer complaint received 2021-02-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XX/XX/2020 some lady stole my credit card and used it to purchase gas at XXXX XXXX XXXX XXXX {$24.00} ), buy something at XXXX for {$410.00} and XXXX XXXX for {$880.00}. I filed the police report and filed fraud claim with the Bank as soon as I was notified about the charges. My mistake was that I thought she did not take an actual card, I still had it. So when the bank asked me if I have card on me, I said yes. I later realized that she stole my husband 's card, who is an authorized user on my account ( I had his card in my wallet to later give it to him, and forgot about it ). I contacted the bank of america on at least 5 occasions, explaining the situation to them. Every time they give me 45 days to respond, and eventually decline my claim every time. I don't know what else to do. I did not make those charges.
Consumer complaint received 2020-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/2020 I booked a vacation to XXXX XXXX through XXXX XXXX XXXXXXXX, located in XXXXXX/XX/XXXX, for a total of {$1400.00}. The vacation was set to last from XX/XX/2020 to XX/XX/2020, at XXXX XXXX XXXX XX/XX/XXXX resort. On XX/XX/2020, after closely monitoring the COVID-19 Pandemic in both the United States and XXXX XXXX, we decided that we would be forced to cancel the vacation and immediately called the agency, XXXX XXXX XXXXXXXX. We explained the situation to them, and they said that it was no problem to cancel the vacation, but a {$50.00} cancellation fee would apply. We agreed and they mentioned that it would take 180 days ( 6 months ) to receive the money back in my account. After over 6 months of waiting, I called the agency up to check the status of the refund on XX/XX/2020. The representative, XXXX XXXX, was the same person who helped us book the vacation. She said that the department that handles the refund is closed because of COVID-19 and she advised me to start a dispute through my card company. After trying to make a dispute through my Capital One company, they said that it was outside of the 120 day period that they could do anything about it.
Consumer complaint received 2021-05-30
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. (FL)

TransUnion fails to remove {$200.00} XXXX closed account charge off. I contacted XXXX to address this issue and theyre trying to charge more money than amount due. Credit agency fails to remove this off my report.
Consumer complaint received 2022-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-10-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

I was mistakenly sent XXXX dollars. Paypal then tried to debt me XXXX, when I asked about why this was, they blamed me for the entire thing. I didnt know the sender, and when I asked immediately about the money sent by mistake, I was told I didnt do it fast enough ( I asked the same day ). I was told I should have refunded the XXXX, even though I was only sent XXXX. This makes no sense to me, and they have yet to explain this. They will not allow me to close my account, nor limit its income leaving me open to be scammed again. 
I have contacted Paypal several times and they insist there is nothing they can do to close their own account nor limit its ability to receive money. This has been in dispute since XXXX. Why is it my fault someone sent me money by apparently typing in the wrong email address, and then its my responsibility to pay the fee? I have a very unusual name / email address. There is no way this was just a mistake. I never wanted a paypal account, XXXX refunded money to my CLOSED paypal account and forced me to reopen/ connect it to my checking account to get my money back that I never had in paypal to begin with.
Consumer complaint received 2024-02-25
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

JP Morgan Chase XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear sir, Today, I have tried to check my transaction between XX/XX/XXXX to XXXX of 2024. I happened to find out that your company charged twice same transactions ; therefore, the total amount of two days, which was {$75.00}, was charged twice. And the current balance indicated {$190.00}. Since I had paid off total amount of due about {$380.00}, I should not have the charge more than {$99.00} after XX/XX/XXXX of 2024. Later, when I checked again, the charge became only once ; however, the current balance had not changed at all ; therefore, I was charged same amount twice. After the recalculation of total amount after XX/XX/XXXX of 2024, I realized there was some discrepancy of total amount about {$19.00}. Anyway, since this transaction record was suspicious, I wanted to report this matter to your company through your company website ; however, it was impossible because there was no function of that. I even wanted to close/stop this credit card immediately ; however, there was no function to stop the credit card on your company website. Because I believe it is important to have the function to replace the credit card, which have had trouble of transaction, whatever the reason is, I beseech your company to make sure all credit cards issued by your company have the function to avoid the XXXX and XXXX transactions, because I already closed and replaced your credit cards already. And I feel safe by your admirable service. 

Sincerely,
Consumer complaint received 2021-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

My credit report showed that I had a late payment on XXXX of XXXX to my Kohls credit card. I have made multiple attempts to have this corrected on my report but to no avail. Back in XXXX I contacted kohls on the phone and they agreed that the account was paid in full and the negative late payment would be removed from my report entirely. That is not the case and it still is negatively affecting my credit score. I have been using the kohls card since XXXX with no late payments