davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-08
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. (TX)

Agreed upon settlement for account number XXXX and XXXX. Balance should reflect as XXXX  and paid in full on both accounts. Agency agreed to remove accounts from all credit bureaus they report to.
Consumer complaint received 2022-10-11
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA (MD)

XX/XX/2022 : Requested a domesitc {$620.00} wire transfer from XXXX by Goldman Sachs to linked account. 
Domestic wire did not occur. 
Got voice mail and email from XXXX XXXX from XXXX XXXX Goldman Sachs XXXX " Hello, this is XXXX calling from XXXX XXXX Goldman Sachs XXXX XXXX XXXX to reach XXXX XXXX XXXX We can please call us back at XXXX. We are open XXXX any representative that answers the phone will be able to assist you just advisor of returning an out call. '' However, called on Friday, XX/XX/XXXX, representative could not find office/department for me to resolve the issue, issue was unknown. 

Called back on Mon, XX/XX/XXXX, XXXX, XXXX would not provide his name, after XXXX requests. XXXX, XXXX would also not transfer to supervisor, kept trying to find office/department who called me and emailed me. 

Finally, I don't believe XXXX XXXX is a supervisor, but updated phone number and XXXX called me to verify my gender and country of residence. 

Wasted over XXXX hours of time dealing with this situation because of XXXX by Goldman Sachs incopementence and lack of accountability. 

Waste of time to ask me to call back when no one at XXXX by Goldman Sachs ( XXXX ) can help XXXX. 
Waste of time to leave me a message, but not provide a reference number or what call is about or conerning. 
Waste of time to call and for XXXX rep to know what office or department called me. 
Waste of time to talk to XXXX who would not provide his name after being asked directly XXXX times. 
Waste of time to request to speak to a supervisor and for XXXX to still try to find the department which he was never able to do. XXXX minutes on phone for incompetence. 
I really don't believe XXXX is supervisor at XXXX, and believe she was possibly covering for XXXX because she provided no other evidence of being a supervsior. Lack of transparency and accountability. She only agreed to review call after I asked, not before. 

For XXXX, he also said he was a supervisor, but I don't believe him either. 
I also believe that XXXX provided a false statement when I said the only options to provide feedback to XXXX was through a supervisor, and a mailed letter, and he didn't even take a moment to listen to my question about any regulatory body for XXXX  as a banking institution. Thus, this complaint. 

XXXX asked what I wanted to accomplish. 
To not have XXXX waste XXXX hours of my time, however, this was not done. 
To have my domestic wire completed in a timely manner, it was not done. 
To have XXXX provide his name when asked, this was not done. 
To have XXXX have transferred me to a supervisor when asked, this was not done. 

XXXX by Goldman sachs fails at it's mission : https : //www.marcus.com/us/en/about-us Our mission is to help you make the most of your financial potential at every moment. 

To whoever reads this, would this behavior be acceptable to you or anyone you know?
Consumer complaint received 2021-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (AZ)

XXXX DOS : XX/XX/XXXX went to XXXX. My Medical Ins Requires I pay {$80.00} copay. Copay was paid to XXXX XXXX XXXX, however, XXXX XXXX XXXX has continued to collect and report on my CR. XXXX XXXX billed was {$570.00}. I paid 2 payments, XX/XX/XXXX & XX/XX/XXXX of {$25.00} each. Which I am due a REFUND. XXXX XXXX XXXX were included in the hospital bill submitted by XXXX XXXX XXXX claim. I pd my required {$80.00} copay. For 2.5 years I've spent hours & hours contacting my Ins. company & XXXX, even conferencing in the 2 companies with myself to resolve this issue prior to it going to collections!! I have made several disputes through XXXX XXXX, including one today, XX/XX/XXXX to resolve. It indicates to contact XXXX directly. I tried on-line today to dispute and appears I have to pay {$19.00} membership. I have previously submitted documents on-line via XXXX XXXX & XXXX. My Credit report indicates marked derogatory. XXXX XXXX owes me a refund of {$50.00} and my Credit reports need the collection removed. This happened before and took 5 years for me to get it removed from my CRs. 
Why does this happen? When you have a copay via medical insurance and are still billed for a service that was contracted and included in the copay??
Consumer complaint received 2022-10-11
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)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Opened Date XX/XX/2015 Balance {$23000.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-07-14
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. (NV)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX XXXX XXXX XXXX XXXX U S DEPT OFEDXXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXX 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 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 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 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 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 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 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 ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2020-05-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (OH)

In XXXX of 2020 I contacted the three main credit bureaus and the individual debt collectors about debts that are on my credit report that I am not familiar with. 

The three credit bureaus responded that these accounts were verified, but could not tell me how they were verified or what information and documentation was provided to them to verify these negative accounts. 

In XXXX of 2020, I contacted each debt collector directly via letters that were sent by USPS and by phone. None have sent any documentation showing that these are my accounts. I have only been provided with an account statement showing a debt. 

Because of all the fraud that has taken place throughout the world I am asking for documentation showing these debts are mine. Not an account statement. If these are indeed mine, they should be able to provide me with this information. 

After contacting my attorney, in order to move forward with a lawsuit - I will be sending another letter via Certified Mail to each company involved. If these accounts aren't removed or original documentation provided we will move forward with our legal process.
Consumer complaint received 2024-09-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK (FL)

Full Name : XXXX XXXX XXXX XXXX : Company Name : Discover Bank Address : Discover Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone Number : XXXX Subject : Complaint Against Discover Bank for Violating Consumer Protection Laws Date of Incident : XX/XX/XXXX  Type of Debt : Credit Card Amount in Dispute : {$6400.00} Complaint Narrative : I am filing this complaint against Discover Bank for engaging in practices that violate the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ) in relation to the debt they are attempting to collect from me. 

FDCPA Violations : Harassment and Abusive Practices : Discover Bank has continuously contacted me using aggressive and harassing tactics. The representatives have called me multiple times per day, and on some occasions, have used abusive language and threats of legal action. These actions violate Section 806 of the FDCPA, which prohibits harassment and abuse by debt collectors.

Failure to Validate Debt : Under Section 809 ( b ) of the FDCPA, I requested written validation of the debt from XXXX XXXX XXXX, but they have failed to provide the necessary documentation within the required time frame. Despite this, they have continued their collection efforts, which is a direct violation of my rights under the law. 

Misrepresentation and Deceptive Practices : Discover Bank has misrepresented the amount of the debt and threatened legal action that they are not legally entitled to pursue, violating Section 807 of the FDCPA. This has caused undue stress and confusion, as I believe the debt amount is incorrect.

Contacting Me After Being Informed of Attorney Representation : I informed Discover Bank that I am represented by an attorney regarding this matter, yet they continued to contact me directly. This violates Section 805 of the FDCPA, which forbids direct communication with a consumer when they are represented by legal counsel. 

FCRA Violations : Reporting Inaccurate Information : Discover Bank has reported incorrect and inaccurate information to credit reporting agencies, which violates the Fair Credit Reporting Act ( FCRA ). Specifically, the amount owed, the date of default, and other critical information have been reported inaccurately, which has negatively affected my credit score. 

Failure to Investigate Dispute : I disputed the information provided to credit bureaus regarding this debt, but Discover Bank failed to properly investigate or correct the inaccuracies in a timely manner, as required under Section 611 of the FCRA.
Consumer complaint received 2021-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NJ)

Hello, This complain is about EXPERIAN CREDIT BUREAU. 

Acct # XXXX ( XXXX XXXX XXXX XXXX XXXX OR XXXX XXXX XXXX XXXX Make of car : XXXX XXXX : XXXX XXXX XXXX XXXX # : XXXX This account is reporting as a repossession on my EXPERIAN credit report with so many inaccuracies. 

The amount reported owed by the creditor on this account is {$8500.00} as of XX/XX/XXXX. 
However, Experian confirmed that the balance owed as of XX/XX/XXXX is {$11000.00} which is different from what the lender says I owe. 

Also, this account has been deleted off my XXXX credit report and currently showing {$0.00} balance owed on my XXXX credit report. 

I have disputed this account to be deleted off my EXEPERIAN credit report but EXPERIAN came back with a resolve yet again, updating my account the balance owed of {$11000.00} as of XX/XX/XXXX which is different from what they previously reported above. 

This is negligence, the reporting is inaccurate and should be deleted off my account.
Consumer complaint received 2021-04-08
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo I have two issues with my Business accounts for XX/XX/XXXX : - i ) They refuse to allow me online access to my statements as well as get paper statements for my business. They do it just fine for my personal accounts ( other Banks have no problem with this for business or personal ) but having spent hours on the phone, countless escalations they have failed to resolve my issue. 

ii ) They won't give me my full account number for my CD account. Would think we are legally entitled to this? Online it only shows last 4 digits, an online banking rep agreed to send statement with full account but again only last four digits shown. New banker tells me I have to go into branch with ID if I want it. I've told them if I have to go in it will be to close ALL of my business accounts and move elsewhere. Have wasted about 2-3 hours on the phone for this one too. Its as if they intentionally make it difficult so you can't close/transfer the account. Last time escalation went to corporate but phone was " disconnected ''
Consumer complaint received 2021-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (GA)

I have informed Southwest Credit This debt was pursued about another Collection agency XXXX who was unable to prove I owed this The person XXXX sent to get equipment turn cable on at my address I do not slowed this debt the person they hired to pick up there equipment does. I asked for my original signature on this debt
Consumer complaint received 2020-05-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: American Accounts & Advisers, Inc. (MN)

To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information.

According to the Fair Credit Reporting Act section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( I.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (NJ)

I bought my house 16 years ago. In XX/XX/XXXX, I was struggling with health issues and was unable to make my mortgage payment. At the end of XX/XX/XXXX, I contacted my mortgage company XXXX to request a forbearance as I was XXXX awaiting XXXX in XX/XX/XXXX. They advised me that they had sold my mortgage and gave me a phone number to call. I had not received anything advising me of this sale. In XXXX, after my XXXX, I called the number that had been provided to me. I was advised they are servicing my mortgage and I would receive a statement. On XXXX XXXX, XXXX, I called them again and they told me I had to pay {$10000.00} to bring my mortgage Shellpoint acct # XXXX to good standing. I processed my payment though my bank ( XXXX Bank ) for two payments {$5000.00} and {$5600.00} both of which were withdrawn from my account on XX/XX/XXXX. When XXXX rolled around, I received a statement from Shellpoint Mortgage Sevicing asking me to pay {$2100.00} which was my usual {$2000.00} plus fees. I sent the payment to Shellpoint Mortgage Servicing and on XX/XX/XXXX ( my mortgage due date is the XXXX of each month ), the funds were withdrawn from my account. On XX/XX/XXXX the payment was refused by Shellpoint Mortgage Servicing. I contacted Shellpoint and spoke to XXXX ID # XXXX who advised me she could not see the payment made in XXXX yet it had been withdrawn from my account on XX/XX/XXXX. She advised me to give them time to investigate before submitting the XXXX payment again. I voiced my concern with being charged a late fee and she said she would contact me in two business days which would be XX/XX/XXXX. When I did not hear from her, I went ahead and resubmitted the payment and it was again withdrawn from my account on XX/XX/XXXX and then again returned on XX/XX/XXXX. Confused, on XX/XX/XXXX, I again called Shellpoint Mortgage Servicing and was connected to XXXX XXXX ( Phone # XXXX ) who verbally advised me that my payment was being rejected because my mortgage had been put in foreclosure. I asked why because as far as I was concerned I had paid it off and bought it up to date with the payment of {$10000.00} withdrawn from my account on XX/XX/XXXX. She advised me not to send the payment and wait to be contacted with the total due including lawyer fees. Please note, I have never been advised I was in any sort of foreclosure. This verbal notice is the first I have heard of any foreclosure. When they accepted the XXXX payment, which is what I was told was due and even received a statement for, I as a consumer believed I had caught up. That's why I sent my regular payment in XXXX. I am now very confused and believe I am being bullied into foreclosure. I have lived in this house for 16 years and had it not been for my XXXX I would have never fallen behind on my payments. I was not even made aware when my mortgage was sold. Please help me. i feel like I will now be paying high lawyer fees which will likely put me in a position of not being able to make the mortgage payment.
Consumer complaint received 2021-10-28
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (CO)

XXXX lease was on hold in forbearance and the told me one date. Next thing I know I called them to check status and they said I t was late to make foulest payment. I made a payment for two months. They reported 7 days after I had made the payments to make it current.

I never was late! Always paid on time.

I want to dispute this in my credit.

I will dispute this until they make it right
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$890.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. Portfolio Recovery Associates XXXX does not have a contract with my signature and I do not owe them a debt.
Consumer complaint received 2021-08-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (GA)

XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, VA XXXX has been sending me collection notices in the amount of {$890.00} and calling me after I have asked them repeatedly to stop to the point I had to block their phone number. This collection has been reported as past due. I do not know this company nor have I ever done any business with them. XXXX XXXX XXXX XXXX does not have a contract with my signature and I do not owe them a debt.
Consumer complaint received 2020-05-02
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: Fidelity National Information Services, Inc. (FNIS) (CA)

I have a problem with a identity data breach, Involving tax identity fraud on my name XXXX XXXX XXXX. As well as my social, medical identity, social security card. 
Im trying to open a business checking account with XXXX  XXXX XXXX. However, the bank representative says my social security number is involved with someone in th military. also, my wallet was stolen and covid 19 is going on so I had to make new wallets and my credit is now messed up due to someone doing fraud please email me to assist thanks. 
The reporting agency named XXXX XXXX XXXX  who governs the XXXX  XXXX XXXX and reports to them have stated that the report is now clear and Im able to access the account, however, the bank is still unable to open my XXXX  XXXX XXXX checking or business account! Please help thanks
Consumer complaint received 2020-09-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Resurgent Capital Services L.P. (FL)

LVNV FUNDING, LLC/RESURGENT CAPITAL SERVICES has used obscene and belligerent language requesting to collect a debt ; that they have shown no evidentiary documents I have a contract with the said company. LVNV FUNDING,  LLC/RESURGENT CAPITAL SERVICES are in violation of 15 USC 1692.