davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clunk Hoose Co., LPA (OH)

My company was contacted and asked for my last 2 pay stubs in regards to a medical debt from 2017 from XXXX XXXX XXXX. I have never been there. I attempted to reach out to the company, Clunk-Hoose Co , LPA and was sent to a voicemail. I also tried to reach out via the contact us form listed on the website. When I was unable to reach them, I contacted XXXX XXXX XXXX billing directly who advised me they did have someone with the same first and last name however the dob and alternate info does not match. Upon further investigation, I pulled the case number given from Clunk-Hoose to my employer on the XXXX XXXX XXXX XXXX and found it belongs to another person with the same name but no other matching information. Ive spent my day calling around and attempting to resolve a matter that has nothing to do with me after my employer was harassed.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: VEROS CREDIT, LLC. (FL)

I have a loan with VEROS, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called VEROS and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, and VEROS with no successful resolution. XXXX and XXXX reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2021-05-07
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. (CA)

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXXXXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX AXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. CXXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX XXXX XXXX Theft ) XXXX. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )
Consumer complaint received 2022-03-24
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc. ()

On XX/XX/2022, noticed multiple medical debt collections accounts being reported to credit report agencies. Accounts were not recognized, nor had any attempt to collect the debt or notifications of the right to dispute were made. On XX/XX/2022, called company to attempt to verify debt, since it is not mine. Company representative falsely claimed that the company did not have to verify debt in accordance with applicable laws. On XX/XX/2022, debt verification letter was sent to company via certified mail. Company has not responded.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (NY)

Someone signed me up for JC Penny emails ( I did not subscribe ) and while reviewing the emails I've received, I noticed a JCPenny Credit Card statement was sent. I have never signed up for a JC Penny credit card and haven't shopped there in years so I'm unsure how this happened. I want to make sure this does not impact my credit score and confirm nobody is using my name for fraudulent charges.
Consumer complaint received 2022-11-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MA)

These loans are from XXXX and XXXX. I was never billed for them. I received a call from collections in XXXX said that I owed student loans. All of my other loans I paid off and I would have done the same with these.
Consumer complaint received 2021-05-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (DC)

XXXX. Equifax, AFTER my written and repeated requests and without reason, refuses to provide me with an 'ARCHIVED ' record of my credit score for XX/XX/2020. 
XXXX. The downloaded documents detail that ( Attachment # 1 ) Equifax provided me with my current score. That's not what I wrote them for ( Attachment # 2 ). 
XXXX. Equifax KNOWINGLY refuses to provide me with a record of my score history, because they asked me to submit verification information that THEY ALREADY HAD. XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX adversely affected my credit score when they informed me that they retrieved a score from Equifax that resulted in their decision to administer adverse actions against me based upon 'Delinquency '. XXXX Attachment # 4 )
Consumer complaint received 2021-10-30
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WI)

On XX/XX/XXXX I had transactions pending on my account. The transactions were XXXX XXXX for {$20.00}, XXXX XXXX XXXX for {$170.00}, XXXX for XXXX and XXXX for {$40.00}. After those payments showed pending to come out of my I transferred {$430.00} to another account which left me with a balance of {$11.00} for the remainder of the day. At XXXX CST on XX/XX/XXXX I made a purchase of {$5.00} from XXXX XXXX of which went through successfully which brought my account balance down to roughly {$6.00} and nothing else pending on my account. This morning I checked my account and my account is now negative from an electronic check they processed for {$110.00} that didn't show at all on my transactions history the entire day of XX/XX/XXXX along with 3 NSF charges to go with it. Bank of America said they processed it on XX/XX/XXXX which is not accurate. Had that transactions was processed on the XXXX I wouldn't be able to transfer {$430.00} to my other account. It would have be {$310.00} left in my account to transfer. I attempted to reached out to them to reverse the charges and they only willing to give me back one charge. Unacceptable.
Consumer complaint received 2022-07-29
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. (NY)

Hi i sent a letter on XX/XX/22 to dispute a account on my consumer report that is not accurate. XXXX got the letter on XX/XX/22, XXXX XXXX got the letter XX/XX/22 and equifax got the letter XX/XX/22. I also sent a copy or driver license and a bill showing my address. They sent me a letter stating that the account been verified. UNDER 15 USC 1681i ( c ) ( 5 ) -Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2021-05-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX
Consumer complaint received 2022-07-29
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hi i sent a letter on XX/XX/22 to dispute a account on my consumer report that is not accurate. XXXX got the letter on XX/XX/22, trans union got the letter XX/XX/22 and XXXX got the letter XX/XX/22. I also sent a copy or driver license and a bill showing my address. They sent me a letter stating that the account been verified. UNDER 15 USC 1681i ( c ) ( 5 ) -Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Consumer complaint received 2022-03-24
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC. (SC)

My mortgage lender, Guaranteed Rate , Inc. made me pay for 4 months of Homeowners insurance payments in Escrow. RESPA states that the max should have been1/6 or 2 months. 

My insurance policy is only for any internal losses. The HOA insurance for my townhouse has a policy in place to pay for external damages and loss. 

In addition, I only financed 14 % of the cost of the home. 

I was also forced to pay for 12 months of insurance at time of closing besides the escrow amount. 

The lender 's closing disclosure says that they will charge me every month for my insurance policy. 

At the end of 12 months ( XX/XX/XXXX- XX/XX/XXXX ) I will have paid 28 monthly payments for this policy. They are not paying me interest for using my money.
Consumer complaint received 2022-03-24
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: WELLS FARGO & COMPANY (CA)

WFDS XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXX XXXX XXXXXXXX. Inaccurate, must remove ( never had this acct. ) XXXX  XXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX XXXXXXXX XXXX Inaccurate, must remove ( never had this acct. ) XXXX ( XXXX ) XXXX XXXX. Inaccurate, must remove ( never had this acct. ) XXXX Inaccurate, must remove ( never had this acct. XXXX XXXX Inaccurate, must remove both acct. ( never had this acct.
Consumer complaint received 2022-07-29
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. (TN)

XXXX XXXX SHOWS OPEN, I PAID THIS ACCOUNT TO A COLLECTION COMPANY IN FULL. I HAVE A LETTER FROM XXXX XXXX XXXX. I HAVE BEEN REPORTING TO ALL XXXX CREDIT BUREAUS THAT XXXX XXXX IS CLOSED AND SUMMITED THE LETTER STAYTING ITS PAID IN FULL. ALL BUREAU COMPANIES KEEP SAYING THAT THE COMPANY THAT REPORTED TO THEM SAYS ITS STILL OPEN. I HAVE CALLED XXXX XXXX SO MANY NUMBERS AND THEY SAY THEY DONT HAVE IT OPEN. I DONT KNOW WHERE THE CREDIT BUREAUS ARE CALLING, AND THEY KEEP LEAVING THIS OPEN AND ITS NOT OPEN IT WAS PAID IN FULL AND ITS HURTING MY CREDIT. I HAVE BEEN AT THIS FOR XXXX XXXX YEAR AND NOTHING GETS RESOLVED.
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Klarna AB (NJ)

There is something deeply nefarious happening with this company. On XX/XX/XXXX I tried to log into the app to check my account. I wasnt able to so I contacted their customer service who sent me an email with the steps to log in and reactivate my account. I dont understand why it was deactivated to begin with. It didnt work. I then called, spoke to customer service, same thing. I called back, they had a supervisor contact me with steps to log on - still nothing. Then they tell me they need a a photo of a government issued ID - a passport or drivers license to verify my ID. This was bizarre because NO credit provider requests such a thing. This company has my bank information and is billing automatic charges on my account - yet Im not able to access anything. I have called, I have emailed, I keep getting the same email with directions that dont work. Ive been getting the run around since XX/XX/29. I have a huge paper trail of everything. I want this resolved ASAP.
Consumer complaint received 2022-03-24
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. (MD)

I was a user on a corporate credit card, the company went out of business, the debt is showing on my personal credit report with Equifax, the other two reporting agencies removed it after my dispute in XXXX. 

The XXXX XXXX Credit Card account reflects closed and and charged off as of XX/XX/XXXX, however the balance owed has increased approximately $ XXXX since first reporting. If the account is closed and charged off how can the amount owed continue to increase? 

I just received an alert in XX/XX/XXXX that the balance has increased by {$5.00} with no explanation. I do not receive statements from the company and I have no access to the account. Additionally XXXX XXXX issued the company a 1099 for the charged off debt in XXXX so how can they still try to collect for it from an individual?
Consumer complaint received 2022-03-24
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: EQUIFAX, INC. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2021-05-07
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO. (AZ)

In XX/XX/XXXX I leased a vehicle through Chase bank. 
In XX/XX/XXXX I satisfactorily completed the 3 year lease which I had prepaid in one payment at the start of the lease. 
Following the completion of the lease I paid off the residual balance of the lease. In other words I bought back the car by paying off the balance of the lease. 
At that time I expected Chase bank would remove their name from the lease and pass the ownership of the vehicle to me. This did not happened despite numerous requests. Since XXXX attempts have been made to obtain the title to no avail. I have personally requested release of the title 3 times ( every time sending the documentation Chase requested regarding the mileage of the vehicle ). Bank manager of Chase bank ( at XXXX XXXX XXXX, XXXX, AZ XXXX requested the same twice. Chase Private client representative talked to Chase Auto and she was assured the paper work would be mailed immediately. To date, ( 5 moths later ) I still do not have a title or ownership of the vehicle. Meanwhile, he lease residual was paid off by obtaining a loan from another financial institute. The financial institute have requested the title so that they can attach their name as a lien holder. They have been refused the title by Chase bank.. Bottom line, Chase is holding ownership to a vehicle that no longer belongs to them since they have been paid off. In addition, I had to pay for the registration even though ownership has not been transferred to my name. if and when ownership is transferred to me, I have to pay AGAIN for the registration. So basically, losing {$370.00}.

All I am asking is for Chase Bank to get their act together and furnish me with what I am legally entitled to. THE TITLE TO MY VEHICLE. 
This appalling experience is a typical example of a large corporation that can hide their incompetence and arrogance behind their size and get away with it. 
Worth mentioning is that in XXXX I financed a vehicle XXXX XXXX XXXX through Chase bank. In XXXX I paid off the vehicle expecting I would receive a lien release and or title ... ..After many attempts and with the intervention of a local Chase bank manager, I received the lien release in XXXX. That is 32 years later!!!! Based on this, by the time I receive the ownership I will be XXXX year old or dead!!!
Consumer complaint received 2022-07-29
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I was charged {$69.00} 3 times. When I noticed it I notified my bank. I canceled my debit card and disputed the charges. I gave the bank all the info I had. Their contact info isn't not listed on my statement other than XXXX XXXX XXXX. They're not on the internet. No phone number that I can find. The paperwork from the merchant that my bank sent to me only that states I ordered something. The info is simply my debit card number and my name, no XXXX number, nothingelse. They couldn't provide an item description however. This merchant is listed as an auto accessories store on my bank records. I didn't order any such thing. I've recieved no product. Only after I disputed the charges did the charges stop. Then a supposed delivery came into play. Why after 3 charges over 3 months did a delivery come into it the day after Isubmitted a dispute? I need that money back! I want the NSF charges my bank charged me for pmnts that bounced because of this. I need help!!!
Consumer complaint received 2021-05-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (NY)

Chase denied my claim for 3 credits owed to my account. Chase claims I was too late and that we are outside of the Visa USA timelines. However, per the research of my attorney, the Chase representative mistakenly applied the wrong timeline which does not apply in my situation in which we qualify for longer timeline.
Consumer complaint received 2022-03-24
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (NV)

To Whom It May Concern, This letter serves as a formal request for a full refund on the product that I bought. 
I purchased a GIFT CARD on XX/XX/2021 and paid a total amount of {$500.00}. XXXX. The gift card was being used by some else. 
It seems that the product is defective and that it is not functioning properly. The specific problem with the product is that Gift Card is a scam, and the US bank is fully aware of the problem. The US bank duplicates gift card numbers. 
Gift cards can be tampered with at the store, she said, by crooks who grab stacks of cards, remove the security tape from each gift card, and then take photos or write down the cards secret 16-digit activation code. 
Many times, the cards don't look like they've been tampered with because new security tape is placed on them. But consumers are warned nonetheless to be on the lookout for signs that someone damaged the card 's packaging. 
The bad actors, XXXX said, are able to use technology to monitor when the compromised cards are activated. Soon after money is loaded onto the card, the scammers will the use the activation code to steal the money. 
" As soon as that card hits the cash register, they're pinged, '' XXXX said. 
The value of the card can end up being drained by an outsider, without ever leaving your hands. 
I read your terms and conditions, and I am well aware that customers are entitled to a full refund for a defective product. 
I attached the receipt that I got with the product as proof it was purchased from your company.