davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-25
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)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6800.00}, XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$5200.00}
Consumer complaint received 2016-07-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I 'm writing to dispute, for the third time, Portfolio Recovery Debt Collectors. Had charged off credit card through XXXX owned first by XXXX then transferred to XXXX Bank and this still sits on all XXXX credit reporting agencies. Debt subsequently sold to debt collector, Portfolio Recovery Associates appears on all XXXX credit reporting agencies, as well. 

So debt was paid through settlement and was told shortly thereafter all items would be taken off of my credit reports - all XXXX agencies. 

THIS WAS TWO YEARS AGO AND STILL XXXX ITEMS ON ALL XXXX CREDIT AGENCY REPORTS. 

Received a letter XXXX XXXX, 2016 from debt collector wanting additional materials concerning the previous dispute attempt, of which Portfolio Recovery was forwarded all this information previously. 

Not only is this frustrating that after two years this debt collector has failed to do what originally was promised, but sending a letter stating they have n't received any materials, appears to be delaying their process, which I do n't understand. 

I 'm attaching all XXXX credit report sections listing XXXX AND Portfolio Recovery Systems and a copy of their letter.
Consumer complaint received 2022-11-14
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. (TX)

UNDER THE FAIR CREDIT REPORTING ACT. THESE ACCOUNTS HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT ACCOUNTS TO MY CONSUMER REPORT. FCRA IS A FEDERAL LAW THAT HELPS TO ENSURE THE ACCURACY, FAIRNESS AND PRIVACY OF THE INFORMATION IN CONSUMER CREDIT BUREAU FILES. XXXX, EQUIFAX, AND XXXX HAS VIOLATED MY RIGHTS BY REPORTING FRAUDULENT AND FALSE INFORMATION TO MY CREDIT REPORT. THESE ACCOUNTS LISTED BELOW IS FRAUDULENT : XXXXXXXX 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. YOU, XXXX, EQUIFAX, AND XXXX, HAVE VIOLATED MY RIGHTS BY REPORTING THESE ACCOUNTS TO MY CREDIT REPORT ACCORDING TO [ 15 USC 1681 ( a ) ( 2 ) ( B ). FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNTS, AND SEND OUT A FREE COPY OF MY CREDIT REPORT AFTER THE CHANGES HAVE BEEN MADE WILL RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST YOUR AGENCY, FOR WHICH I WILL ALSO BE SEEKING {$1000.00} PER VIOLATION FOR : DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT OF IDENTITY FRAUD 3. FAIR DEBT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

SPS has dropped the ball on this foreclosure avoidance program. Seller has been trying to do a short sale and SPS never ordered an interior value. They ordered an exterior drive by only which is NOT VALID when trying to do a short sale for establishing actual value of a property. We were told on XXXX/XXXX/16 that an interior value was ordered and expedited and then on XXXX/XXXX/16 we were advised that they do n't know where their interior value order is. SPS is confused and displaying incompetence regarding a financial matter. Sellers are trying to avoid foreclosure and negligence on behalf of SPS is not a valid reason for seller 's home going to foreclosure.
Consumer complaint received 2019-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (CA)

as this has been going on for a while, i don't have all the dates or actual amounts. 
i went old navy to buy some cloths as a gift ( about {$90.00} ). while i was there, they said i could save 10 % if i applied for an old navy card. i applied for the card, but did not intend to use it. when i checked out, i gave the cashier my personal cc for the purchase and the old navy card for the discount. months later, my mail had caught up to me ( moving ) and i saw i had an old navy bill. i called and questioned this bill right away. turns out, it was the clothes i bought that day. i checked my personal cc and did not see the purchase. this was upsetting as i did not intend to use the old navy card. i was told just applying for the card would give me the discount. i attempted to solve the issue with customer service, but the old navy representative was firm ( rude ) that i had to pay interest and late fees. as i was moving, i was not even aware of this bill nor was i looking for it. i should not have even had it. i feel old navy took advantage of me. 

after going round and round with old navy cust service for months and getting nowhere, i paid the principle only as it is undisputed. i paid the principle as i did receive the items and did not take them back, but the interest and late fees were not paid because i did not knowingly use this card which is the basis of the dispute. the cashier ran the old nave card instead of my intended personal card. 

my problem / dispute is that even after paying the principle and explaining what occurred, old navy continues to charge my account XXXX late fee each month and interest on the entire balance ( which is 100 % late fees and interest ) the total balance as of XX/XX/19 is {$330.00}. this balance is 100 % late fees and interest. this balance increases about {$46.00} per month without any principle basis. 

as i did pay the entire principle amount, i feel the debt should be settled.
Consumer complaint received 2019-12-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Clear Start Today (TX)

I received an illegal robo-dialed phone call from a company that offered to assist me with rolling my payments for a loan into the Federal PSLF program. I spoke to two individuals, one who answered the call after I followed the prerecorded message to 'press 1 to speak, ' and a supposed 'loan specialist ' who spoke about my loans and talked to an 'underwriter '. He asked for my FSA ID, which I provided, and reset my password ( which he communicated what it was to me ), then overviewed my loans and sent paperwork to me via email that I could digital fill out and asked for a payment method. My loan was going to be placed on forbearance for 4 months while they intended to collect {$990.00} across four payments. I brought up a few times about my confusion as to why I would get a loan payment letter from the federal government in the mail upon completion of my sign on and he said my loans were just going to be rolled into a new program. I switched my repayment program once already and I never got an email or printed mail about the loan being paid off. He assured me I wasn't privatizing and that they were handling the paperwork for recertification and loan forgiveness. I told them I would think about and we ended the call. I couldn't find any information about the company but they hit the marks on numerous articles about PSLF scams. 

The company was called Clear Start Today. 
Their address is ( supposedly ) : XXXX XXXX XXXX, XXXX, CA XXXX or another address is ( supposedly ) : XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX I should also mention my phone flagged the call as from XXXX and was different from the callback number I was provided. 

Called from : XXXX Callback provided : XXXX I got a text from : XXXX The paperwork they wanted me to fill out was loaded with legal agreements and a power of attorney contract. There were typos and the address information didn't match up between the website and the paperwork. Some of the forms didn't directly match up with those provided by the agencies they intended on communicating with.
Consumer complaint received 2021-12-14
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

Synchrony Bank / Ashley Furniture closed my account that is in good standing with no reason. Theyve done this to me with XXXX XXXX card after making a payment. Researched this issue online and it looks as though they seem to do this frequently. This should be completely illegal.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (CO)

Someone signed up for multiple accounts on my name while I was XXXX and even has another social security number, my ID information as well. 
-Jefferson Capital for XXXX XXXX The police report has been done and the account was removed from my credit report but its back. 

Also, XXXX XXXX simple has been ruining my credit for years. Company sold me faulty merchandise, I returned it and it still has a negative mark on my credit report. 

XXXX XXXX XXXX repeatedly reporting monthly on an account that has been closed and charged off. Theres no agreement. 

XXXX XXXX Reports wrong account to credit bureau of choice . Account information not correct or on all 3 reporting agencies.
Consumer complaint received 2019-12-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

Dear XXXX, I am extremely dissatisfied on the lack of support by CHASE Bank. I was defrauded out of {$2500.00} by an individual with a Chase Bank account claiming to be a property manager and requiring a security deposit. The individual told me that he returned the money back to my Chase account but It has been well over +30days and I never received my money back. CHASE failed to provide me with the criminals information as he is a CHASE bank customer, so I am not able to pursue the person. 

I am requesting that CHASE refund my {$2500.00} deposit. I am prepared to take legal action against CHASE for creating the platform and ease of opportunity for criminals to easily set up checking accounts to commit wire fraud. CHASE has provided me with no safeguard for my customer safety. Below is the contact information for the chase customer. 

Name used : XXXX XXXX, XXXX XXXX Phone numbers used : ( XXXX XXXX XXXX, XXXX XXXX XXXX Email used : XXXX XXXX
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: North Shore Agency, LLC (NV)

I am receiving a bill from XXXX for {$20.00} for a subscription I allegedly pledged. This was after allegedly five previous attempts to bill me. I never subscribed to XXXX nor have I ever received a single issue of the magazine. 

The letter, allegedly from XXXX XXXX in the state of Florida, indicated that failure to pay the {$20.00} may result in referring the " debt '' to a collection agency. Two postal days later, I received a collection agency letter from North Shore Agency, operating allegedly in New York state.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (IL)

In accordance with the fair credit reportingn act. The list of accounts below has violated my federally protected to consumer rights to privacy and confidentiality under 15 USC 1681.

Account Name : TRANSWORLD SYSTEM INC/ Account Number : XXXX 15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more the seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency. If the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2019-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: The CBE Group, Inc. (UT)

MD. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX PHONE XXXX. 
My name is XXXX XXXX and I visited XXXX XXXX XXXX on XX/XX/XXXX. 
My family and I have been attending XXXX XXXX XXXX for years, and have had good service and have always paid for our tickets. 
On XX/XX/XXXX I received a notification from a collection agency, in which they inform me that I must pay them an amount of XXXX from account number XXXX. I am surprised since I never received a bill or notification about this service. 
We have always paid our bills and we take great care of our credit, I think you have to review your procedures before sending a person to a collection agency, some employee made one or more mistakes and they never sent me a bill or notification. 
I hope you find a solution to this misunderstanding. 
I am going to make a complaint and send a copy of this letter to the state and federal consumer defense agencies since I consider it unfair to damage my credit history, when I am a person who takes care of your credit and pays your bills. 
I went to the clinic and they gave the telephone number XXXX, i called then and they informed me that the address number was incorrect that they had XXXX south instead of XXXX south and that sent me the bills to wrong address, but if they send us bills for my husband XXXX XXXX and my son XXXX XXXX, i paid them XXXX dollars confirmation number XXXX, they said that would not return anything to me, although the error was theirs which i consider fair, and maybe they would take me out of collection. I think it was an incorrect procedure on the part of the clinic and would have to return some of the money. 
XXXX XXXX. XXXX XXXX  XXXX XXXX XXXX ut XXXX phone XXXX
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC (SC)

I have disputed a fraudulent collection twice on my XXXX XXXX credit report on XX/XX/22 from XXXX XXXX - original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX They do not physically answer calls & there are no other options to even speak with someone unless you are paying with a credit card. I have spotless credit & this is a scam. I've had the same phone number for the last 13 years. Please help me get them to remove this from my credit report. 

Thanks so much, XXXX XXXX
Consumer complaint received 2023-03-14
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: I.C. System, Inc. (SC)

In accordance with The Fair Credit Reporting at, this creditor has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 a ( 2 ) States consumer reporting agency can not furnish an account without my written instructions. 15 USC 166 b state a creditor may not treat a payment on a credit card account under an open-end consumer Credit plan as late for any purpose.
Consumer complaint received 2017-01-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

This complaint is for Carrington Mortgage Services. I recently refinanced my loan with them and provided all proper documentation including my home insurance. They did not make proper updates to their records and began sending me letters requesting insurance. After I called more than a half dozen times to correct this, they still increased my mortgage payment to reflect an escrow shortage, even though they escrowed home insurance payments that are already covered by the condo association and owe ME money! I asked for this issue to be escalated for a quick resolution but they continue to send bills reflecting the higher payment. This is the second time this has happened with this mortgage and the last time it took 2 years to get a refund back! Where is MY interest payments on those two years?
Consumer complaint received 2022-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (FL)

Lexis Nexis is the unable to provide certification and official documents to validate accuracy to the US XXXX XXXX XXXX XXXX XXXXXXXX shows on my Public Records from XXXX and XXXX credit reports. They stated that XXXX is the furnisher of this date but XXXX states that they don't guarantee the information is XXXX XXXX accurate on there file. Multiple individuals, under my name shows on records, and Lexis Nexis or XXXX are reporting unverifiable and inaccurate information. 
In addition, they are furnishing inaccurate information without written permission, violating my rights.
Consumer complaint received 2022-11-14
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Affirm Holdings, Inc (MI)

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I had completed making interest accrued payments to my account with Affirm , Inc totaling {$630.00}. I currently have made payments to two open " loans '' starting on both XX/XX/XXXX and XX/XX/XXXX on my Affirm account totaling {$2500.00}. Affirm , Inc has been collecting funds through extortionate extension of my credit each time I extended credit to them by lending my Social Security Card to Affirm , Inc to even receive credit. The credit I had extended has not been properly applied to my account. Affirm , Inc has then continuously made several calls at least twice a day and sent various text messages to my phone in a form of harassment to demand I continue to make these unjust payments. Affirm , Inc hasn't sent anything in writing stating or confirming that I owe Affirm , Inc anything. I do not and have not received an invoice or any statements or full disclosures in regards to my account with them. Affirm , Inc has also threatened to charge off my account and send my non-public personal information to a third party to collect on this extension of credit if I did not pay the asked amount. Affirm , Inc has also been reporting and furnishing negative information to the credit reporting agencies in regards to this matter.
Consumer complaint received 2022-11-14
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (FL)

Signed up for the Best Buy credit card physically at a store location In around XXXX ( i believe it was Best Buy, in XXXX XXXX, NC ) i didnt do anything online or speak to any credit personel. i filled out the paper application and at the time was also making a larger purchase. I was approved for the credit card at the time of purchase and have an active and good standing credit account with them for the last 12 years. 

I usually kept the balance very low or at {$0.00} most the time i have owned the card, until recently i just noticed that since i used the card a good bit last year i started seeing a recurring monthly charge labeled simply as " DEBT PROTEC : XXXX '' I feel bad the i only noticed this charge until now, i usually pay my bill and dont look too much at my statements. 

on XX/XX/XXXX I called CITI bank and was given another phone number that apparently is the parent company of this scam program called debt protection for best buy CITI cards. 

Not only was the customer service team barely able to explain in good detail what the program did but they also had no clue that there was a over XXXX XXXX dollar lawsuit settled that directly related to the program and more iomportantly people like myself who signed up and started theyre accounts in store on paper applications and was never asked whether or not i wanted to enroll in such program. 

Not only did the customer service tell me all they can do is cancel it and that they could submit a request to refund, they laughed when i asked if i would be refuned the amount of charges i paid over the entire 12 years of being a cardholder and account holder. 

Not only have a been paying into something fraudulent for years and years, i cant even tell how much i paid in total because i can only see my month statements dating back until XXXX. There's an additional 8 years i can not view. 

And on top of all this, during the customer service representive trying to explain what the program was and what it did, she stated that it can also wipe out debt or amount owed if the account holder ever became unemployed or XXXX. 

On XX/XX/XXXX i became 100 % Permanently and Totally XXXX and considered Unemplyable by the Deparment of Veterans Affairs ( i have all paperwork to prove ) and have not had a job in the last 4 years. So i was apparently paying into a program for 12 years, became XXXX and unemployed the last 4 years, and not once did i know anything about this scam program that apparently should have been helping me and did not! 

I really hope you can help me resolve this issue, i feel like i should have been a part of the lawsuit filed in XXXX against CITIBank but again i was kept out of the loop. 

XXXX XXXX XXXX
Consumer complaint received 2022-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

I have requested a refund of payments made to my student loan during the Covid-19 forbearance period. I am due a refund of {$2600.00}. I have contacted my student loan servicer, Mohela, several times and have received no acknowledgement nor reply. 

Contact attempts : XXXX XX/XX/XXXX via Secure Message XXXX XX/XX/XXXX via Secure Message XXXX XX/XX/XXXX via Secure Message XXXX XX/XX/XXXX via USPS XXXX XX/XX/XXXX via fax XXXX XX/XX/XXXX via USPS I have received no reply to any of these contact attempts. I have received no indication that a refund is being processed. I have reviewed Mohela 's website to ensure that I am following proper procedure to request a refund. Their website simply states to " contact us '' to request a refund. 

Specifically, the site says, " If you made a payment on/after XX/XX/XXXX, and would like this refunded, please contact us. '' ( https : XXXX )