davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-28
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. (CA)

AccordingtotheFairCreditReportingAct,Section609(a)(1)(A),youarerequiredbyfederallawtoverify-throughthephysicalverificationoftheoriginalsignedconsumercontract-anyandallaccountsyoupostonacreditreport.Otherwise,anyonepayingforyourreportingservicescouldfax,mailoremailinafraudulentaccount.IdemandtoseeVerifiableProof(anoriginalConsumerContractwithmySignatureonit)youhaveonfileoftheaccountslistedbelow.Yourfailuretopositivelyverifytheseaccountshashurtmyabilitytoobtaincredit.UndertheFCRA,unverifiedaccountsmustberemovedandifyouareunabletoprovidemeacopyofverifiableproof,youmustremovetheaccountslistedbelow.XXXXXXXXXXXXXXXX(ORIGINALCREDITOR:XXXXXXXXXXXX)
Consumer complaint received 2019-05-28
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. (CA)

Why is this on my credit report i cant locate it..based on my research, XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system..CHAPTER XXXX BANKRUPTCY XXXX
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: U.S. BANCORP (VT)

Unsolicited VISA credit cards in my name and in a name I do not recognize for the same account number. Received XX/XX/2019. 

Received from US Bank National Association, XXXX. XXXX, XXXX, ND XXXX. 

A letter describing the above has been written and is being mailed to US Bank Association today, XX/XX/2019, along with a request to close the unsolicited account and provide written proof that it will not notify a credit reporting agency as to closing this account.
Consumer complaint received 2015-10-09
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Big Picture Loans, LLC (MN)

The company is castlepayday loans. They pull {$350.00} every other week and when I called to complain about them taking the money out on Thursday when I do n't get paid until Fridays. They told me that the money they took out of the bank account 4 times was for the interest only and not the principal for {$1000.00}. Please let me know what I can do. The loan was processed on XXXX.
Consumer complaint received 2015-06-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (GA)

The company is ERC and it is a autodialed recording asking me to call back with a reference number provided. 
According to my financial records and the credit bureaus I owe no outstanding debit for which I am past due. 
My telephone number has been on the no call list for years.. 
The offending tel number is XXXX
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

Good evening. 

On XX/XX/2021, I noticed there was an usual charge on my credit card for {$150.00} at XXXX, NJ XXXX at a place called, " XXXX XXXX ''. When I realized this was a fraud, i immediately called Chase customer service this charges was not made by me and it is fraud. They refunded me back the amount of {$150.00}, cancelled and sent me a new card. Later around the month of XXXX I discovered I was then charged again for the amount of {$150.00} which I then called Chase customer service letting them know this was a mistake. They told me they took the refund back because it was an authorized purchased. and they can't do anything about it. I later wrote an email to Chase fraud recovery Department stating it was not an authorize purchase from me. 

Please help me rectify this issue.
Consumer complaint received 2021-02-25
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: USI Solutions Inc. (FL)

Us1 global solutions called my dad in NC. I live in Florida. I never have given anybody my dad 's number. He said that they said I was being served. I do not know what for. My dad gave me the number of these people. XXXX. I called it. A recorder said it didn't exist. I had delt with a company that said I owe a bill which when I checked it out. There was no balance. It was back in 2007 and paid. A XXXX  card. They kept calling and I changed my number. They are harassing me now. So I reported them to you. They called my dad on XXXX :
Consumer complaint received 2016-07-27
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc. (FL)

okay I missed a payment that was due on XXXX and representative from consumer portfolio services her name was XXXX and I told her that I would make the payment at the end of the month because I work for the state and we are paid once a month at the end of each month and she demanded that I give her my banking information and I told her no I would go on there website and submit my payment but she kept trying to get the information from me. I never told that I would not pay them just that I was n't given her that information, since that time I have received XXXX calls XXXX to my job and XXXX to my cell phone can you please ask them to stop calling me at work and on my phone thanks..phone # XXXX
Consumer complaint received 2022-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: FIFTH THIRD FINANCIAL CORPORATION (TX)

To Whom It May Concern, I have attempted to resolve this issue via customer contact and supervisors to no avail. This is regarding a credit consolidation issue with 5th3rd bank. I contacted XXXX XXXX XXXX ( XXXX ) on XX/XX/XXXX regarding a credit consolidation. The amount of {$3900.00}. XXXX advised a 1-7 days for the transaction to post. I contacted 5th3rd on XX/XX/XXXX as the amount was not posted. The representative advised the process takes 2-4 weeks. I called back to 5h3rd on XX/XX/XXXX which is 4 weeks and was advised there was no transaction. I have called back a total of 8 times and spoke with two supervisors who basically told me this is not their concern as there is nothing to trace. I guess its true that customer service is just dead and I as a consumer need to take action into my own hands as nobody really helps a customer. Here is the details of the " electronic transfer '' from XX/XX/XXXX. XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX Amount- {$3900.00}
Consumer complaint received 2021-03-27
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: Self Financial Inc. (MA)

I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.
Consumer complaint received 2021-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.
Consumer complaint received 2022-07-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have tried numerous times to dispute a debt owed to Capital one by disputing with XXXX etc. I even told portfolio recovery this isnt mine. I called Capital one XX/XX/XXXX and told them that this was not mine and he said it looks like fraud. the charges are not anything I would make and I havent lived in XXXX since XXXX. My SSN has been stolen before that is why I have a identity theft number for every income tax I file with the IRS. I have lived in XXXXXXXX XXXX since XXXX XXXX. In XXXX I was not traveling anyway due to covid and my job had restrictions on mileage. we couldnt even go XXXX miles from XXXX XXXX. This account is ID theft, even when I called to dispute it today he said I need a police report to dispute someone stealing my identity. this has messed up my credit.
Consumer complaint received 2016-11-14
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

Payments have been recently misapplied. Whole payment amount is being applied toward interest only & I am not on any type of workout plan. Everytime I call Navient 's customer service they advise its because of the interest accrued.
Consumer complaint received 2021-04-21
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 (OH)

my account has been limited by paypal permanently without any reason.It says I will be able to get the money on my account after 180days passed. However, I noticed that Paypal has stolen my money, they transferred all balance on my account, that is, {$2000.00} USD on XX/XX/2020 to their own account without my permission and even no notification was sent to me. I got no idea what happened to my own money!!! Please kindly help me out about this. I really need the money to pay bills. I deserve to get my own money back. the email linked to my paypal is XXXX.
Consumer complaint received 2022-01-20
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 believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to 3 Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. ( XXXX  XXXX XXXX )
Consumer complaint received 2021-04-21
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: The Law Offices of Mitchell D. Bluhm & Associates (TX)

This account was sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. In addition, as stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy.
Consumer complaint received 2021-04-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO. (FL)

I had a wire transfer sent on XX/XX/XXXX ( yesterday ) via state incoming wire. I talked to Chase on the XXXX and said it will arrive by noon on the XXXX. I called today at XXXX and they said 'maybe tomorrow. ' The person who sent the outgoing wire has had the money deducted from his account- but I am getting a run around from Chase.
Consumer complaint received 2015-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (IL)

We continue to wait for action by the lender on the shortsaleThey wont move forward and they continue to delay the shortsale its been almost XXXX months and they have an appraisal value of {$25000.00} and are sitting on a cash offer of {$24000.00}
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AmeriCollect (CO)

I was seen in the ER at XXXX XXXX in XXXX  XXXX and needed XXXX XXXX. Upon my arrival at the ER I completed all the necessary insurance paperwork and provided my military ID to verify XXXX coverage. When I left the ER the same day I was provided more paperwork at check out which I completed. I received one bill from XXXX XXXX XXXX XXXX in XXXX of XXXX but there was no mention of them not having my XXXX information. I also received a bill from the hospital but that was paid by XXXX and so I assumed ( which I should not have done ) that the XXXX bill was taken care of as well because I never received another bill. In XXXX of XXXX three separate account numbers from the same day/service were submitted to collections and showed on my credit report which dropped it by more than 70 points. I called XXXX immediately and they stated they never received any claims for that day. I then called the billing office of XXXX and they stated the claim was mistakenly sent to the VA where I do not receive any care. The claim was denied by the VA ( or so I was told ) and so it was sent to collections ; I never received any form of documentation from XXXX giving me the opportunity to rectify the situation before it had gotten to that point. They assured me they would refile to XXXX and remove the debt, which eventually happened after about a month. 
Yesterday I received another statement from the same collections agency ( Americollect ) and the three separate charges went back on my credit report, dropping it again by 77 points. When I spoke with the billing office they denied a claim was ever submitted to the VA and that I was responsible for the bill because I did not provide my insurance information. None of this makes any sense. I spoke with XXXX and they said they'd be happy to pay the claim but they would need proof of timely filing. They provided XXXX this decision on XX/XX/XXXX. XXXX never notified me of this update before reinstating the three collection charges. When I asked them if any documentation was ever sent out after that decision to give me the chance to pay or continue to work on this, they said they did not take any actions to notify me. They refused to submit proof of timely filing claiming I did not provide my insurance information and XXXX needs it to pay the claim. I am at my wits end trying to figure out what went wrong and where so I can rectify this. I am a XXXX XXXX XXXX and having to pay this would put me in financial distress, not to mention what it has done to my credit report. I could really use some help. Thank you so much.
Consumer complaint received 2021-04-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Management Holdings, LLC (MO)

on XX/XX/XXXX I received a statement for a balance of {$590.00} of which I felt I didn't owe, for a medication that was sent to me without my prior payment or authorization for payment in the form of credit /debit card check or cash. I had previously talked with a representative from the company and ended with an understanding that I had no credit card or any other form of payment on record, other than insurance from part D of my social security, and a grant from the XXXX XXXX for assistance in covering my co-pay amounts. I made it clear to the company that I would not be paying any of the bill. 
But, the company sent the medication anyway and billed me. I was unable to pay do to my being on a fixed income. I responded to the company by mail with an explanation, and reason that I felt not responsible for their error in shipping a medication without prior payment, as I know is a policy of the company. My letter dated XX/XX/XXXX to follow. Again I received another statement just like the first on XX/XX/XXXX, and again I responded with a letter XX/XX/XXXX and confirmed that their statement must be an oversight. I received another statement XX/XX/XXXX for the same amount and this time soon after on XX/XX/XXXX I received a letter from a debt collector on behave of the company. I replied to the debt collector and also the company with a letter of my own to try and get them to quit sending these harassing statements and letters. I received two more letters from the same debt collector from a ( XXXX XXXX ) on XX/XX/XXXX and XX/XX/XXXX. I am at my wits ends trying to explain to the company and the debt collector that I do not owe them money. There was a mistake made by the company in shipping out a medication prior to having payment or having any form of payment on file. I was on an assistance program because i could not afford the medication, and between my XXXX XXXX XXXX, supplemental insurance, and finally an assistance grant from the XXXX XXXX costs were taken care of till of course funds ran out, at which point I would have to seeks other assistance from another form..
Consumer complaint received 2024-02-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (OH)

I paid off loan # 2 to Mohela XXXX XXXX, 2023 in the amount of {$7000.00}. A payment crossed, so I actually overpaid the loan. I called XXXX to request that the overpayment be applied to loan # XXXX. Loan # XXXX briefly showed as paid off a few days later, but about a week later I noticed that loan # XXXX had a balance again, and loan # XXXX had been reduced by the $ XXXX amount, so I called In. XXXX, explained the situation and was assured it would be handled. By XXXX it still hadnt been paid so I called again, I was on hold for an hour, explained it yet again and all seemed like it would be handled well, but then I got disconnected and wasnt called back despite giving permission. I called again XXXX XXXX and was told it would all be handled by the followingg Wednesday. It wasnt so I called yet again XXXX XXXX and requested to speak with a supervisor since Id heard repeatedly that it would be handled and it wasnt. I had to wait 24 hours to get a call back. I got the call and was disconnected within 10 seconds and got no call back. I called again to speak with a supervisor and had to wait another 24 hours. I was called back on XXXX XXXX, and I went through the whole thing again with the supervisor who assured me that the payment reallocation would be expedited but that it could still take a week due to volume. He said he would call Wednesday XXXX XXXX either way and he didnt not call by EOD . The loan payoff had still not been reallocated to loan # XXXX. I called and requested to speak with a supervisor again and was supposed to recover a call by the end of today, XXXX XXXX. I did not receive a call. Mohela us the worst customer service I have ever experienced. I want my payments processed accurately and promptly. I also want compensation for the hours I have spent on the phone trying to resolve this issue.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have mailed TransUnion multiple disputes during the past two months with my name, and address regarding the inaccuracy of my credit reporting profile. And yet TransUnion have failed to adjust, and correct my credit report. In addition, zero changes have been made from TransUnion on my credit report profile. Instead, TransUnion have been sending rounds of stalling letter to discourage my dispute process, and therefore refuses to take necessary actions to remove negatives items from my credit report.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XXXXXXXX  .Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Consumer complaint received 2023-03-30
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. (TX)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : XXXX : XXXX XXXXXXXX, 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 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 than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating 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 2017-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (MD)

I 'm XXXX XXXX 2017 I noticed XXXX XXXX re-inserted a previously removed account back on my credit report and failed to notify me within the 5 business days afterwards.