davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Protection Association, L.P. (SC)

The consumer 's Agent with Power of Attorney in Fact proceeded to validate a debt in dispute status currently being reported by company CREDIT PROTECTION ASSOCIATION, L.P. to the 3 Major Credit Bureaus. After a fax communication to validate the debt and provide company tax identity information per [ FDCPA 809 ] XX/XX/XXXX, provided onXX/XX/XXXX a  fraudulent debt that leads one to the conclusion that XXXX has on file an account number confirmed to be different from the " Original Creditor ''. The information CPA provided contains False and Misleading Representations of the truth [ FDCPA 807 ( 2 ) ( A and B ) ] in what seems like an attempt to start a whole new contract with the consumer. This is not the consumer 's wish.
Consumer complaint received 2021-06-30
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. (TX)

I have attempted multiple time to have the issue corrected with the company, and with letters in phone called, and they have not corrected the unauthorized information. I will attach some of the information - The CFPB has contacted them, and they reported that they would correct or investigate the issue, and did not complete with they said they were going to do.
Consumer complaint received 2018-01-03
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: STATE FARM BANK, FSB (LA)

I have several inquiries that are appearing on my report that are not mine. XXXX XXXX # XXXX, XXXX # XXXX, XXXX, XXXX XXXX. Would you please have these inquiries removed that are a result of attempted fraud. I have fraud alerts that are in place on my report that will not allow new accounts to be opened without my consent.
Consumer complaint received 2017-11-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

XXXX XXXX XXXX has reported to all 3 major bearus that I had a late payment. I have contacted them directly and all three bearus separately in regards to being involved in a Natural Disaster Hurricane Irma who put me without work for two weeks due to no power and distruction. I have submitted disbute within the creditor itself and also XXXX, XXXX, and Equifax. No one is resolving the issue.
Consumer complaint received 2021-09-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Consumer complaint received 2021-07-12
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. (PA)

Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX  Data Breach/ Identity Theft all is being investigated by the FTC . According to FCRA 605B this information must be blocked immediately until the investigation over
Consumer complaint received 2018-01-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

XXXX- {$630.00} XXXX- {$340.00} BOTH of these are old debts that are trying to be pulled as new debts, that have been resolved. Plus I do n't even know how you would EVER EVEN get a cell phone bill as high as {$630.00}, that is what I can not also understand. 
Thank you for your time and consideration.
Consumer complaint received 2021-07-12
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI (CA)

XXXX XXXX XXXX / Rep name : XXXX The above company called two family/friends ( that I know about ) trying to get a hold of a XXXX XXXX. That was my maiden name. However, I do not have any debt or student loan for that matter. I verified with them with my full name and last 4 of my social security number and address. I asked who else they called trying to get a hold of me and they refused to tell me. I should have EVERY right to know who they contacted trying to get a hold of me. This is outright embarrassing and not okay to have my family and friend call me telling me a debt collector was looking for me! I work very hard to keep my credit clean. This company did not do their due diligence on the person they were trying to reach. It was clearly not me. A simple search would have told them that. I want to report their practices and I want to know who else they called on my behalf since they refused to tell me. I consider this harassment. Especially since the person they were looking for was clearly not me!
Consumer complaint received 2017-11-29
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. (HI)

I have a collection account on XXXX, Experian and XXXX from XXXX XXXX XXXX XXXX in the amount of XXXX. I was one of the signers on the account which was a business account. The account was closed by the bank. I understand reporting this against the company but not against me. The account was opened with an EIN number under a business name as a business checking account and not a personal account.
Consumer complaint received 2024-02-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Hello, I have tried to have this account that has erroneous information removed on different occasions, I contacted the company on different occasions until now they sent me the information that they have that is different from what they are reporting and they are violating the law of fair credit. I gave them proof of what the agent supposedly says I owe and what they are reporting, which are different amounts and are violating federal laws. 

XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX  {$920.00} Here I send you proof that what I say is true, I send you the information that the agent of said company sent me and requested additional payments.
Consumer complaint received 2021-06-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (OH)

XX/XX/XXXX my account was suspended Ive provided everything theyve asked for plus more. The customer service representatives can not help with anything they just keep telling me to email chime member services. I have been emailing and calling since XX/XX/XXXX. I have not been getting any updates, any follow ups or anything. The supervisors tell me they are escalating my case every time I call but I have still yet to receive an email, call back or my account back opened. Ive uploaded my ID, My Tax Return, A Bill, A Selfie, Screen Shots From XXXX XXXX, an email of my chime deposit. Ive provided an explanation of the funds Ive received and provided my tax return. Im not getting any help what so ever, Im not getting any explanation or anything
Consumer complaint received 2018-01-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Data Systems, Inc. (GA)

Medical Data Systems has continously placed collections accounts on my credit report between the XX/XX/XXXX and XX/XX/XXXX.  On several different occassions I have disputed the charges because of errors in billing by XXXX XXXX and the accounts being sent to collections before the federally regualted 120 days. On several occassions the results ofnthe disputes have requried that Medical Data Systems remove the collections accounts. The accounts are then removed but after few months the accounts are added but the origianl creditor has been changed from XXXX XXXX to XXXX XXXX. I have contactd XXXX XXXX and they have confirmed that no balance is due at this time. In addition to the disputes, several of the accounts have been paid in full to the original creditor and the legal owner of the collection accounts which is XXXX XXXX XXXX. For example one of those accounts is a medical bill with a balance of {$67.00}. This account balance was paid to XXXX XXXX via personal check and proof of verification was provided to Medical Data Systems but they still refused to remove the account as requested by XXXX. After speaking with XXXX on several occassions they stated that they were still the legal owner of the account and that the acocunt was sent to Medical Data Systems for collection purposes only. I then  contacted Medical Data Sytesm and requested that provide me documentation whichs states that they are allowed to post information on the three major consumer reports on behalf of XXXX and they refused to provide me any documentaion They then stated that no document existed and that they were contracted by XXXX to collect debts. 

I then inquired about validaiton of the debt and Medical Data Systems mailed me copies of my hopsitla bills with all my patient information including services provided by my medical provider. Under HIPPA Act of 1996 Regulations, XXXX XXXX was provided authorization and.or permission to have access to my perosnal medical information. Without my personal medical information Medial Data Systems would not be able to legally collect any balanced owed. They would also not be able to provide the needed information to get the debt paid.
Consumer complaint received 2021-09-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (MI)

I have asked Chase Bank REPEATEDLY -- twice in person, and at least once over the phone to close checking account number XXXX with routing number XXXX as I NO LONGER NEED IT. 

For whatever reason, they are keeping it open for THEIR convenience, not mine!
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

On XX/XX/XXXX, a Trans Union dispute for Incorrect Data on my credit report was started. It is still unresolved. XX/XX/XXXX ( XXXX XXXX XXXX XXXX ) Account shows open and in collections with a debt of {$820.00} owed to unknown debt collector. After several disputes via online, over the phone and through the mail, the incorrect info still remains on the credit report. Proof from XXXX XXXX, ( Stating that there is no amount of money owed/account does not exist ) was provided to Trans Union, along with other supporting documents to prove the case for removal of the incorrect information in the report on Friday XX/XX/XXXX. This mail with the supporting documents was sent via USPS with delivery confirmation, and has a tracking number of : XXXX XXXX XXXX XXXX XXXX XXXX. Currently the USPS has it marked as delivered. After the fourth dispute was unsuccessful in rectifying the matter, I am currently writing this. The company Trans Union has failed and is in breach with complying to the laws of the FRCA. I have suffered actual  damages, soon to be including court costs, attorneys fees, lost wages and, if applicable via the courts, defamation and intentional infliction of emotional distress and possible punitive damages.
Consumer complaint received 2015-07-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I have XXXX XXXX accts that have been sold to a third party collection agency. Negatvies being reported by XXXX AND the new company ( XXXX XXXX ). so, instead of XXXX delinquent entry, all credit reports reflect XXXX delinquent entries. I feel this is a double jeopardy scenario. I do not feel that any of the XXXX major credit reporting bureaus have done anything to help me. they have attempted to pacify me with phone calls and offers of reduced rate credit monitoring services. they have done nothing to actually resolve my dispute up to and including investigation into my issue.
Consumer complaint received 2015-03-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

I can not dispute. I have tried to do this several times online and it keeps failing. Trans Union is the XXXX and only XXXX that does not work online. I keep getting an error message. I called TU and they were no assistance, wanted me to send something in writing. I am not. I went to TU site through the Free Annual Credit report site setup by the government to help with exactly these bad practices. I would like free access online to my report and to the Dispute Process. Or someone from TU to call me and walk me through it on the phone step by step. If they can control my life with bad information then I should be able to demand assistance without hassle.
Consumer complaint received 2024-02-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

I have noticed there is inaccurate informations on my credit report. Was a reasonable reinvestigation done property? Please note XXXX XXXX XXXX  stats a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose and XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I have the right to privacy. I can't buy a new house because of these errors! They need to be removed with 5-30 days per law Or I will be forced to seek more legal council.
Consumer complaint received 2018-06-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

My XX/XX/XXXX payment was 2 days late but the minimum payment was made, the next month they increased my minimum payment requirement, my pre-scheduled XX/XX/XXXX payment was early, I thought, but not for the whole minimum payment amount since I had pre-scheduled it and not realized they had increased it, so the remainder of the minimum payment, {$9.00}, was 3 days late in XX/XX/XXXX, now my XX/XX/XXXX minimum payment has increased again. 

Can they really charge me late fees, increase my interest and increase my minimum payments, even though my account is current? Where can I find a rule to tell them they can not keep increasing it? 

Thank you.
Consumer complaint received 2018-01-03
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd. (KY)

I have received numerous calls to my phone number XXXX XXXX XXXX from XXXX XXXX XXXX XXXX, in which they are trying to reach XXXX XXXX. I have told them to stop calling me and to remove me from their calling list. Previous times I have been called has been on XX/XX/XXXX and on the XX/XX/XXXX I  returned that call and advised the male agent to stop calling me. During the last call that I returned to them on XX/XX/XXXX at XXXX XXXX EST I advised the agent to stop calling me or I will file a complaint with the CFPB. She said go right ahead and that " collections '' will continue. She never identified me of right party contact. I am not XXXX XXXX spouse I am his sister in law.
Consumer complaint received 2018-01-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Account was noted on my account as a chapter XXXX bankruptcy and when I requested XXXX XXXX to fix this issue with the credit bureaus they stated that they informed all three credit bureaus that the account is closed, Per Transunion and XXXX and XXXX the account is still noted with an error with a remark and comment saying account was included in bankruptcy when it was not. XXXX refuse to send me a letter stating that the account was reported in error and that it is closed so that I can forward the letter to the credit bureaus for them to report the information correctly on my credit report. this is for account to which I had a XXXX credit card that was closed by XXXX on XX/XX/2017
Consumer complaint received 2017-11-28
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (WI)

I received a solicitation from Chase Bank in the US-Mail encouraging me with a {$250.00} ( not {$200.00} as the bank claims ) reward if I opened a new savings account with {$15000.00} and kept it in for 6-months. So on X/X/17 I opened a account as a new customer using the coupon and the bank representative kept it. 

After the six-month period expired I attempted to close the account and yield the reward. But the bank told me they had forgot to to enter the " coupon code '' into their computer system. So I was told they would fix the problem if I came back a few days later. So I did. But they did n't fix it. The Bank Manager XXXX XXXX told me to get another coupon and he would fix things. So I did. XXXX entered the coupon code into the system and then tried to keep it the coupon. I asked for it back so I would have documentation. He gave it back and told me to come back after some period. So I waited at least a week and returned. Still the bank had not fixed the problem. A bank rep. then told me to come back at XXXX XXXX and talk to the Manager XXXX. I never agreed to come back at that time. Instead I waited about a week and returned. 

This time I met with XXXX and he told me he was only authorized to give me {$50.00} but that he would n't do that because he did n't feel like it. Then he handed me a check for {$500.00} and told me to leave the bank. 

I never told him to close the account. I was trying to close the account but not till the problem was fixed. 

I never received the {$250.00}. However I did get XXXX cents in interest. 

I kept my end of the deal but Chase Bank gave me the run-around and violated our contract.
Consumer complaint received 2017-11-28
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. (NE)

A loan using my name and information was approved and pushed through by XXXX XXXX XXXX and I was put down as the Co signer on the loan. I never agreed to the loan or signed for it. I made the XXXX aware a large number of times and they continue to hold my credit hostage. I have offered my explanation to XXXX and XXXX but they are to concerned with my credit. They only want my high credit attached to a bad loan.
Consumer complaint received 2021-07-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Transunion is continually reporting inaccurate and misleading information in my credit file. I have filed several disputes and get no where as far as having these inaccuracies removed. According to the FCRA I have the right to request that the furnisher provides proof that these accounts are mine and Ive never received any proof of account ownership after many requests. Specifically a discharged bankruptcy from 2016 that is continually reporting inaccurate and still no proof that it was verified with the COURT DIRECTLY WITH A NAME TITLE ETC. of the person providing this proof. They are painting a very inaccurate picture of my credit history and financial responsibility and it is affecting me tremendously I am being denied for accounts that do not belong to me! Im so exhausted trying to fix my credit Ive been trying for years to get them to do their job. XXXX  removed that same bankruptcy over a year ago because it could not be verified and they followed the law. Im desperately asking you all to step in so that maybe I can finally get Transunion to remove this false information and reporting on my credit file.
Consumer complaint received 2017-11-28
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Nelnet, Inc. (MS)

i called the company nelnet to discuss about getting all of the late payments received from my account and they said they can only do the ones from XX/XX/XXXX and the department of education would have to remove the other ones. I also contacted them today which is XX/XX/XXXX and which they said they do not remove late payments in which Nelnet told me that they do. Then the department of education goes to tell me that all of my loans are consolidated with XXXX which i did not know because i was not informed on anything. The only thing i want is that all of my late payments from each credit bureau to be removed because from what i understood my loans are current. i feel like they are giving me the run around and i was not informed what was goes on about my account because they had the wrong information on me was not contacted. as of right now i have all the loans in a income based repayment and i guess consoliated too. Those late payments are stopping me from getting a house messing up my credit.
Consumer complaint received 2021-07-12
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ROSS MORTGAGE CORPORATION (TN)

I am currently under contract with a date to close of XXXX XX/XX/2021. I have already had a preapproval and all other overlays or requirements taken care of with significant documentation provided to get a clear to close. Realizing that the appraiser may not make it out in time to do the secondary appraisal after all required items were fixed, we had filed for an extension until XX/XX/XXXX. As my realtor sends the signed document to the loan officer, it has come to our attention that the loan officer and her entire team had been fired without any notice to any veterans that were working with this loan officer and their team. This information was discovered on XXXX the XXXX. After 24 hours had elapsed from this information, I received a denial of credit based upon false pretenses considering I had already been pre-approved without adding any additional obligations to my credit or debt to income ratio while I was looking for a home or under contract. I had reached out to the loan officer that was working on my file to look for answers. The loan officer alerted me that the company had denied my loan based on the pretenses of her separation of employment with this company. With the additional information that I am not the only veteran that this has happened to since her departure.