davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Midwest Recovery Systems (TX)

my mother, ex uncle in law, and my father in law all received calls from " unknown caller '' they don't say who they are with. They say this message is intended for XXXX XXXX ( I have not been XXXX in 7 years ) they also give an address that I have not lived at for over 3 years. My current address is not hidden. I finally got a voicemail from them today. Number left was XXXX, reference # XXXX. I called the number, was not answered with a name of the company, only a persons name. Transferred to a supervisor who was extremely rude. Telling me it is my fault for not letting XXXX XXXX know I moved 3 years ago. My number has never changed & have not been contacted by them. Nor did I ever receive mail from them, even being forwarded to my new address. I called Midwest Recovery who is on my credit as the collection agency for XXXX XXXX. Talked to a very helpful man who told me that they no longer had the account but that if a company was threatening to serve me with a law suit over a debt and they weren't on my credit that it seems really sketchy. This account was opened in XX/XX/2011. I would have no problems with a settlement amount, however I won't be threatened by a company trying to serve me a law suit for something that I was never notified about.
Consumer complaint received 2016-02-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: SYNCHRONY FINANCIAL (UT)

Walmart card services continues to report conflicting information between the XXXX credit agencies. They have independently verified reported Information, to XXXX, XXXX, & XXXX ; even though information reported to each credit reporting agency is incorrect, and/or conflicting. They report to XXXX that my date of XXXX delinquency for their Walmart credit account # XXXX is XXXX. They report to XXXX & XXXX that my date if XXXX delinquency is XXXX. AFTER REPEATED DISPUTES & COMPLAINTS, They respond with, " This account has been transferred. '' ********HOWEVER, the factoring company can not, fix the information reported by the original creditor!!!! THE ORIGINAL CREDITOR MUST DO THAT, or delete their account off of my credit reports!!!!! XXXX Note : Walmart credit services, the factoring company on this account can not change information that you have reported, YOU MUST DO THAT!!!!!!! Yes, ... YOU!!!!!!!!!
Consumer complaint received 2015-11-02
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (VA)

Citicards has been mailing me offers for XXXX bonus miles if I open a new credit card and spend {$3000.00} in first 3 months every 1-2 weeks for past few months. I finally applied for the card, was approved and spent over {$3000.00} in the time period specified. However they did not honor the bonus miles offer. I called and talked to an agent that told me I was n't eligible since I closed a Citicard 18 months ago. BUT if I am not eligible, why did they send offers to my house almost every week?
Consumer complaint received 2021-05-20
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 XXXX ( Original Creditor : XXXX XXXX XXXX ) POB XXXX XXXX FL XXXX Phone : XXXX They are reporting the incorrect account type and incorrect account status I have reached out to all 3 credit bureaus as well as the collection company and they are clearly in breach of metro 2 by reporting a collection account as an installment account when metro 2 clearly states it has to be listed as open. I also do not know if this account is reporting as opened or closed because it is inconsistent two credit bureaus say the account is closed and the other claimed it is opened. How can that be if they are coming from the same source? They have all verified this account as accurate.
Consumer complaint received 2021-04-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CT)

I have sent method of verification for all accounts listed and the bureaus have yet to send any documentation verifying any of the accounts listed. It has now been over 30days. My intial letter was XX/XX/2021. 
This is not following FCRA guidelines. After 30 days of investigation all accounts should be removed immediately. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report.
Consumer complaint received 2016-07-22
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (FL)

My husband and I were getting an amicable divorce and we were both working at closing joint accounts. He called to close the Chase Sapphire Care but it turned out I had opened it so he could not close it. This action was turned into a security breach and from then on I tried but could not close the card. I explained the situation but no one would believe me and kept stalling me. I received a letter from Chase dated XXXX XXXX referring to a request for a copy of the statement. There had been no request for this. Finally, on XXXX XXXX I reached someone who could close the account. At that point I realized that there had been a {$3100.00} credit remaining. The agent who helped me said she would send me a check for that amount. I called several times to ask about the check and finally on XX/XX/XXXX after speaking to XXXX people I was told that " the check was in the mail. '' It could take up to 7 days to receive the check. Along the way I had visited the Chase Bank down the street and was told that the account was inactive and I should leave it that way. The divorce had just become final and I forgot about the {$3100.00} in the account. After 22 years of credit cards with Chase or earlier owners of the card I really expected better service. When I asked for the check to be expedited it was refused. My husband and I opened separate Chase cards but now I am sorry I did. Your customer service is usually substandard and it takes several transfers to get the right person. It is XXXX XXXX and I still have not received my refund. I think Chase should at least give us something to make up for the long delay and the poor service we experienced. When you lose your card the response is immediate but returning customer 's money and especially clearing up " security breaches '' is very slow. The last purchase on this statement was XX/XX/XXXX and the balance was paid on time perhaps before the refund of {$3100.00} was received. We have used our Chase card for everything for all this time and were loyal customers.
Consumer complaint received 2021-12-28
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: Experian Information Solutions Inc. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-10-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (CA)

Three weeks ago I was contacted by XXXX c/o Transworld Systems , Inc. regarding a school loan debt. I informed them they had the wrong individual and gave them my information which did not match what they had for the debtor. Just this morning my employer notified me the company is trying to garnish my wages even though the social and address of the debtor does not match. They also gave my employer the other ladies social and personal information. I have been stressed out all morning this company has been harassing my employer and myself and they do not have the correct individual. They have asked my employer for my social and what I make etc. 

I filed a complaint with the Attorney Generals office who sent a letter to the company a few weeks ago and the company responded saying they had no clue who I was and has no collection acct. for me however, they sent my employer a letter stating that they needed to garnish XXXX % of my income.
Consumer complaint received 2024-02-14
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. (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.

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 2020-05-01
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (CO)

Midwest Recovery Systems, LLC is a collection agency from Missouri who is reporting a collection accounts on my credit report with XXXX and XXXX. I am a resident of the state of Colorado. I sent a request to both credit bureaus in XX/XX/2020 and to the company at the same time asking to validate this debt. To this date I have not received a response from the credit bureau or the collection agency. Subsequently, I discovered that Midwest Recovery Systems is not a licensed collection agency in the State of Colorado. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, Missouri XXXX, XXXX XXXX
Consumer complaint received 2020-05-26
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. (TX)

XX/XX/XXXX I made a booking for XXXX. it was a bus service in XXXX. When I reached the bus stop, they had no instructions on how to find which bus we are suppose to get on. Then, the customer agents there did not speak XXXX. When we found the bus with a lot of struggle, they refused to let me and Friend get on the bus. They claimed that there was only one ticket on the reservation. I showed them my reservation and they lady checking in clients for bus refused to look and did not let us sit. 
I explained this to chase and they opened a dispute. The dispute letter was sent out in mail and they asked me to sign it. Then I received another letter in the mail saying to accept or refuse the claim. I refused it and went to the chase bank branch office to fax it. The bank claims that they never received my signature and closed the dispute. Then another agent on the phone claimed that they don't even accept the dispute and resolved in the bus company favor. I believe that chase is being ethical towards this claim and would like some further help to resolve this.
Consumer complaint received 2016-03-15
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: H. Kent Hollins, Attorney at Law, P.A (KS)

I have been paying a debt collector since XX/XX/2014 {$50.00} a month for a {$1200.00} medical bill. It is been two years and I still owe them that much. After talking with them about it they have been charging me 12 % in interest per year.
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My wife and I recently applied to refinance our mortgage. While in the process of doing that we received an update of our credit score : It was 100 points lower than the last time we checked, which was in XX/XX/XXXX. This was received XXXX XX/XX/XXXX. 

Wondering why it had changed, I tried to access my credit reports online. I could not access XXXX  and XXXX, but I received a summary from TransUnion, but not a complete report. This happened on XXXX XX/XX/XXXX. 

The TransUnion did not indicate ANY bad information, although it was missing a state of balance from XXXX XXXX in XX/XX/XXXX. Of course, that had been on the books since then. 

I proceeded to file a dispute about the credit numbers with TransUnion, but the Website did not proceed past a certain point. 

Accordingly I called TransUnion this morning to dispute the item by phone. This happened today, XXXX XX/XX/XXXX. They simply cut me off saying this could not be handled by phone at this time. 

I also, and noted in a separate complaint, that I could not order a paper copy of my credit report either by the Web site or by phone, so I can not proceed with the process any further. This happened today, XXXX XX/XX/XXXX. 

Regarding XXXX  and XXXX  ... I could not even see their version of the credit reports online, nor was I able to dispute or call them successfully. 

Accordingly, the same complaint is being submitted regarding them.
Consumer complaint received 2015-08-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

contract cancelled with XXXX yet they kept billing. when they did not receive payment on what was not owed them, they had a collection agency try to collect. this agency TRANSWORLD SYSTEMS was notified XXXX in writing that this was not money owed and they continue to sent these harassing notices to an XXXX year lady.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (NY)

Hello! 
I got XXXX credit card by Citibank, and one day I got e-mail, -I think its fraud, but its say something suspicious going on with my account, I log in online to my account- and see message need contact asap by phone- so I call, and I contact with customer service representative, this lady say will contact with me- to prove me is me, OK, I wait 2 days- nobody contact, call again and ask supervisor- again explain- and this lady also say-will contact with me,- and nothing happens. Now- I have credit card blocked any transections, and I have no idea- with who I suppose contact more????
Consumer complaint received 2020-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (MA)

Action Collection Agency tried to collect from us for a creditor we never hear of. Their number is XXXX. The person wouldnt give me their full name. Said we owed a XXXX XXXX XXXX XXXX XXXX Seems like a scam. The person on the phone was very sketchy.
Consumer complaint received 2022-02-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: PNC Bank N.A. (IL)

I was arrested at The United States Probation office on XX/XX/XXXX. My purse wallet and cellphone were left in the vehicle with two individuals who stole my items and was able to access my funds that was in my PNC checking and savings accounts. I was incarcerated from XX/XX/XXXX until XX/XX/XXXX. I tried to dispute the fraudulent transactions as I had no way to access these funds from behind bars and the outcome of the dispute was these fraudulent transactions were valid. I provided them a letter of incarceration from The Bureau of Prisons detailing the dates of my imprisonment. I reported the theft to XXXX Police Department and The Attorney General of Illinois. The bank who claims zero liability on debit cards is false advertising. I have a CFPB number and it is XXXX. I talked to an individual from the bank and the evidence they used to confirm these transactions was atm footage. I wrote them back in XXXX to ask for the evidence they went by to confirm these transactions and they still have not sent them in violation of the Federal credit Act. I also have a reference from the Attorney General about my case, File # XXXX
Consumer complaint received 2022-02-04
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (PA)

Student loan has been paid in full and student loan servicing company ( University XXXX XXXX, XXXX - XXXX XXXX ) sends monthly statements showing the loan as a {$75000.00} line of credit. They refuse to address or close the account despite my requests and payment in full.
Consumer complaint received 2021-12-28
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc. (GA)

This letter was sent to all theree Credit Agencies XXXX XXXX, XXXX XXXX XXXX ) also the XXXX  XXXX for XXXX XXXX XXXX : Heres the class action lawsuit against Santander : https : //santandermultistateagsettlement.com/Information-for-Consumers I recently pulled my credit report from XXXX and I noticed a big discrepancy on my credit report. The report from Santander Consumer USA is in correct. As you can see below the report says that the account is closed and has been closed since XX/XX/XXXX. The monthly payment shows 0 dollars. How is it reported that a payment was made on this account on XXXX XXXX. This is a clear violation of the FRCA and this account should be deleted from my credit report immediately. 
I have attached a copy of my original copy of my vehicle purchase contract from XX/XX/XXXX ( XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX, CA. It states nothing of the financing of this contractual agreement being finance by XXXX Santander Consumer USA ). 

On my credit report its states that the the creditor is ( Santander Consumer USA ) and that is incorrect information on my credit report. I would like the ( Santander Consumer USA ) information removed from my credit report. I have also sent a copy of the official letter I sent with the complaint I files with the XXXX  XXXX XXXX against XXXX Santander Consumer USA ) because of there predatory lending practices, that they have a 34 state class action law suit for predatory lending. I am requesting that the ( Santander Consumer USA ) account information be removed from my credit report. Heres the class action lawsuit website : https : //santandermultistateagsettlement.com/Information-for-Consumers? XXXX Also I would like a new credit report sent to me showing that this incorrect reported account was deleted. 

SANTANDER CONSUMER USA Reported : XXXX. XXXX, XXXX - {$10000.00} Closed Overview You have 63 % left to pay on this loan. 
Balance {$10000.00} Highest Balance XXXX XXXX  Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( 7 yrs, 4 mos ) Term 81 months Payment History Last payment XXXX. XXXX, XXXX Current Payment Status In Collections/ChargeOff Worst Payment Status No Info Account Details Account status Derogatory Type Auto Loan Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times 30/60/90 days late 0/0/0 Closed XXXX XXXX, XXXX You have a dispute in progress DIRECT DISPUTE We've sent your dispute request to XXXX XXXX, and we'll let you know when it's complete. 
CHECK DISPUTE STATUS Creditor Information SANTANDER CONSUMER USA XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Thank you for addressing my concern of this important matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-02-04
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (WA)

On all of the websites below, including your website, and my credit report it clearly states that, " You can contact the nationwide credit reporting companies online, by mail, or by phone : '' to make a dispute. 

I have tried every option on experians automated phone service with every number they list and it will not allow me to make a dispute by phone! This is clearly false information published by them and you and should either be taken down or better yet just actually be able to make a dispute via the phone number. 

It has vague information on my report like, " Too many accounts opened recently '' so I want to see what accounts have been opened to verify this information is correct but it's not stated on my report and I can't get a hold of anyone to even see if I have a dispute to make! 

I don't want to file a dispute until I know that I actually have a dispute lol Please fix these issues or bring it to the attention of someone that can. 

XXXX XXXX XXXXXXXX/ XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2021-12-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ENCORE CAPITAL GROUP INC. (SC)

On XX/XX/2021 I went to court as a defendant against Midland Credit Management. XXXX XXXX was the attorney through XXXX XXXX XXXX, for the Plaintiff. I settled to pay {$2500.00}. I paid the amount on XX/XX/XXXX. The debt was removed from my credit report. On XX/XX/XXXX, the remaining balance, of the original debt was placed on my credit report as a collection with Midland Credit Management. I went through XXXXXXXX XXXX site to have it removed. Midland is stating that the account is valid. I have received email and mail documentation from that law office that the debt has been paid and settled.