davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-22
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (CA)

To whom it may concern : My name is XXXX XXXX XXXX on XX/XX/XXXX I went to the XX/XX/11 in XXXX XXXX to get my rent money off my Netspend card. I swiped my card and there was no money on the card. I then called Netspend and was told that they had never received it. I then called Ssi and was told that they had sent the money to Netspend. I called Netspend back and they said the money has not been posted. I then called my card and was told that my available balance was XXXX. I then called Netspend back and they said it was sent to another account. I then asked the lady if the money can be transferred to my account. She told me that it couldn't be. So I asked to speak to a supervisor and she told me that my card had been cancelled and they would have to mail me another one. By the time I recieved the new card my check for the XXXX of XXXX had been deposited in that account my other check was in. I then tried to activate the new card and couldn't. I called Netspend back and they told me that they would have to mail me another one. By the time I recieved the new card it was XXXX the XXXX and another check was put in that account and I was still not able to activate it either. Now my landlord has put me out and I'm on the streets living in XXXX XXXX XXXX in a tent. I'm a XXXXyear old man have never lived in the streets. I have had all my things taken away from me tent and all. Everytime I called Netspend and asked to speak to a supervisor they hung up on me. It was until XXXX the XXXX when I recieved a call from Netspend they asked me for my address I told them all I have is a mailing address they said give it to them and they would mail me a check. It was on XXXX the XXXX when I recieved a check for XXXX. I then called Netspend and asked where was the rest of my money. The other XXXX they said in the mail I didn't receive any more money until around XXXX the XXXX after I called Consumers financial services. One hour later I recieved a call from Netspend they asked me if I had a active Netspend card I said yes the lady asked for the numbers on the front of the cardi gave them to her she then put my XXXX on the card. She asked me to check the card and see if the money was available. I did and it was I then asked her what about my housing she then hung up on me.
Consumer complaint received 2020-07-06
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. (KY)

While I was in the process of trying to rent an apartment, my credit report had to get pulled. I was denied due to several unknown items on my report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-10-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Association Capital Resources, LLC (FL)

An associate of XXXX ( XXXX XXXX )  reached out to me on XX/XX/XXXX on a past due balance for the 2nd part of my HOA assessment. I made efforts to reach out to the HOA mgmt company on XX/XX/XXXX for remit information ( via email as that's how we've previously corresponded ) so that I could make the payment on time but it appears communications on both ends was not received. Initially I thought I had paid for this as some time had passed and I did not hear from them but the HOA mgmt company claims they sent a couple letters that I will say was never received. 
Either way they sent me to collections and we end up here dealing with XXXX. I understood my dues were not paid and sent XXXX a payment of {$240.00} the same day. XXXX  tacked on an extra {$440.00} of their own fees to the ledger and I have been disputing yet they insist they will continue to pursue those dues. 
I reached out the HOA mgmt company and they were aware I was in collections and told me the amount they sold to the agency was for approximately {$220.00} plus {$10.00} in interest. They also seemed a bit surprised when I mentioned the additional fees that XXXX was trying to charge me. I've relayed this information to XXXX who is noting it for my file but also says they will continue to pursue those additional fees even though I've paid the initial debt due to them already. 
This is really an unfair practice, the fees are flat amounts and end up being more than double the initial debt. Times are tough under this pandemic and trying to charge someone more than double a debt they were owed is egregious. Please help as I believe this is really taking advantage of the debtor.
Consumer complaint received 2020-11-17
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. (UT)

I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into Equifax do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked Equifax to Please block, remove or delete this information pursuant to section FCRA 611. Equifax is the reason why this has happened!
Consumer complaint received 2020-10-23
Product: Vehicle loan or lease — Loan
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: U.S. BANCORP (FL)

Purchased sailing vessel and obtained loan XX/XX/XXXX. 
Loan satisfied XX/XX/XXXX and received documentation of the same from lender, USBANK. 

XX/XX/XXXX phonecall to bank and told title would be mailed within a few days Called twice more within subsequent 4-6 weeks and told title still in process. 
Called XX/XX/XXXX and told title was indeed mailed to my correct home address on XX/XX/XXXX, I did not receive it. It was mailed 1st class USPS. No tracking. 

US Bank still trying to find title, but suspect it is lost.
Consumer complaint received 2021-05-06
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: ACIMA CREDIT, LLC (NC)

I have received a copy of my credit report and it shows company ACIMA CREDIT XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1800.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Consumer complaint received 2020-08-22
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: BSI Financial Holdings, Inc. (IL)

On XXXX XXXX I disputed some delinquencies or late payments that where on my credit report to XXXX XXXX and XXXX   credit bureaus. I have been in a Chapter XXXX for four years they BSI Financial Services is the servicer of my mortgage and they have been reporting my mortgage payments to all three credit bureaus until I disputed the information that I felt that was inaccurate. The result of my dispute was that my credit report was red flagged and closed even though I have and open account with BSI Financial Services my FIOC score was in the 600 hundreds now is XXXX. I fell that this was retaliation for me disputing the delinquencies on my credit report and am also in a Chapter XXXX. Under the Bankruptcy Law 11 U.S.C Section 1328 states and I quote Debts not discharged in a chapter XXXX include certain long term obligations as home mortgages so it is not there right not to report my mortgage payments to the credit bureaus.I feel very strongly BSI Financial Services violated my rights under the Fair Credit Reporting Act.I would like for my credit report to be restored the way it was before I file any dispute and that BSI Financial Services remove the Chapter XXXX from my credit report my account number with BSI is XXXX.
Consumer complaint received 2020-05-08
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (NY)

Due to the Pandemic, I am having Financial difficulty & I contacted my Mortgage servicer on the advice of XXXX XXXX & XXXX XXXX to request that I can have my mortgage added to the back of my Mortgage & I requested the same form my Mortgage servicer, They were not aware of the Federal Regulation regarding homeowners having their mortgage added to the back of their Mortgage for 3 Months. 
They insist that I make a plan to pay them, A Clear violation of The Treasury Dept & XXXX XXXX  regulations & that they will be calling me every 20 days to assess my financial situation informed them that they were overstepping their authorities,, While violating mine, I am not financially capable at this time to make arrangement to pay them .I call to get help & they made it into a collection call to hustle me into a payment plan
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2019 Synchrony Bank pulled my XXXX XXXX Credit report for a Pay Pal credit card. I have sent numerous letters to the company right after I was notified via XXXX asking questions in regards to that inquiry. I have received response from the company several times, however nobody can seem to answer my questions as to why, who, how or for what reason my credit was pulled. its been now over 6 months and I still have no answers. with the last letter received earlier this month by a company rep named XXXX XXXX who told me they would like to resolve this issue, I have tried to call twice and left voicemail each time. I have not heard back yet and it has been a week now. They have been stonewalling my requests and are not forth coming whatsoever at this point. I have a screenshot of the credit inquiry from XXXX as proof as well as a copy of my XXXX report. I am annoyed at his moment with the lack of responsibility this company shows.
Consumer complaint received 2020-05-08
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc. (CT)

I attempted to reach a rep with Comenity Capital Bank earlier this evening, was unable to reach a manager due to staffing levels with current pandemic. This is in regard to a possible settlement amount, if paid in full. I was prepared to accept a settlement amount say up to 30 % of balance, again if paid in full. I am currently experiencing financial difficulties and would like to save by pay off account in full at a discount. The account is on a hardship program with no interest, however, I will pay off the account in full if a reasonable settlement amount is offered.
Consumer complaint received 2024-09-25
Product: Credit 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: GOLDMAN SACHS BANK USA (NY)

I purchased a pair of XXXXXXXX XXXX from XXXX in XX/XX/year>, ordering a size XXXX, but XXXX mistakenly sent a size XXXX XXXX. When I requested a refund, XXXX refused, stating the item was a final sale. 

Consequently, I filed a dispute with my Apple Card, but it has been repeatedly denied. After explaining the situation to an Apple Card agent, I was advised to refile the dispute as it seemed justified, yet it continues to be denied. 

Additionally, the credit card company argued that I still possess the item ; however, this is solely because XXXX denied the return. I could immediately return the sneakers to the store if XXXX requested. 

Therefore, it is unreasonable for the credit card company to side with the seller for this reason. Moreover, the credit card company mentioned that I violated XXXX ' XXXX return policy. 

However, XXXX initially rejected the return because the XXXX XXXX  were considered a final sale, despite sending the wrong size. It is frustrating that the dispute is still being denied based on incorrect information.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Shermeta Law Group, PLLC (MI)

On XX/XX/XXXX I received my paid in full notice for a XXXX XXXX XXXXXXXX credit card from XXXX XXXX XXXX XXXX XXXX. I had previously settled with them for the amount of {$4700.00}. The notice, which I have included in this complaint indicates that the matter is closed both with them and their client. Recently, in XXXX a debt collection agency for Shermeta Law group has been attempting to collect on the debt, despite the fact that it had been satisfied with the previous collector. I have contacted Shermeta, and they indicated that if I sent the relevant document they would review it and respond to my concerns, generally within 48 hours. This was several weeks ago and they are no longer responding to me, despite the fact that the Paid in full notice I sent them features the very account number that they are currently trying to collect.
Consumer complaint received 2019-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: First Data Corporation (FL)

XX/XX/2019 someone bought {$870.00} merchandise in electronics dept. in XXXX in XXXX, fl store # XXXX at XXXX XXXX. I was at work at XXXX XXXX XXXX in XXXX, Fl. they produced an old drivers license of mine from fla and my checking acct, number, Check number # XXXX was a number way higher than what bank had issued me. I have never lost my checking acct.or drivers license. .It caused an overdraft to me. XXXX XXXX XXXX contacted me - we closed checking, savings debit card. and made fraud report. I contacted XXXX AND FILED FRAUD REPORT.- Reort # XXXX ID # XXXX, I contacted XXXX Police dept. and filed fraud report -- report # XXXX. XXXX told me that was an expired drivers license number and old name on it. All the paper work was sent to XXXX. in XXXX. They issued me a report back from there fraud Dept. One month later, I get Bill from TRS Recovery service - Telecheck wanting this $ $ money owed plus {$25.00} fee and stating me I would be put on bad list till this is resolved. Talked to them on phone -proven this was not me. I shouldn't never been sent to them for collection, - I also reported to all 3 credit bureaus and a freeze on my reports. I want this taken off my credit report - i do not owe any money to anyone this was fraud
Consumer complaint received 2020-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

After reviewing my current credit report for the month of XX/XX/2020. I noticed that Transunion is inaccurately reporting the following Inquiries without my consent. 

1 ) XXXX XXXX on XX/XX/2020, I did not give transunion permission to release my information to XXXX XXXX XXXX, This action is a violation of federal law Section 1681 of FCRA rules. 

2 ) XXXX XX/XX/2020, I did not give my consent for TransUnion to release my credit information to the company under the name XXXX, there was no permissible cause, no line of credit was awarded, no loan was awarded. This is a violation of federal law.
Consumer complaint received 2020-08-22
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. (PA)

I LOOKED AT MY CREDIT REPORT AND SAW A XXXX BILL. THIS ACCOUNT IS NOT MINE NOR DID I BENEFIT FROM THIS ACCOUNT IN ANYWAY.
Consumer complaint received 2019-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Helvey & Associates, Inc., Warsaw, IN Branch (IA)

This creditor/debt collector has continued to report an unverified alleged account that is damaging my credit history. I have requested several times for this alleged account be verified with a copy of the original contract with my wet ink signature between myself and Helvey & Associates, INC. or the original creditor. I have also requested that this subterfuge be deleted.
Consumer complaint received 2021-03-31
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

We received a letter from a collection agency saying we could settle our credit card balance for a lesser amount. I received the notice on XX/XX/2020. It said they had to receive payment by XX/XX/2020 or the offer was void. I tried to call but was put on hold for over an hour and had to leave. I mailed a check on XX/XX/2020. It went through our account a few weeks later. Then, I received another bill from the credit card company showing the amount we paid as just a payment. I wrote on the bill what had happened and asked them to fix it. We never heard from either company but kept receiving bills. I called the credit card company. They said I had to fix it with the collection agency. I called them and was told they received the payment too late. This is unfair because their letter making the offer was dated on XX/XX/2020 with a deadline to receive payment by XX/XX/2020. Accounting for mail, it should have been longer. Also, we did attempt to pay by phone first without luck and then mailed the payment before the deadline. We don't control the mail service or when it would have been received.
Consumer complaint received 2020-11-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (FL)

Original Creditor ( s ) : XXXX  ; DEBT : {$270.00} XXXX XXXX XXXX  ; DEBT {$320.00} Item 1 : XXXX XXXX XXXX ; XXXX XXXX XXXX  ; Debt : {$320.00} ( The previous Debt Collector : XXXX XXXX XXXX XXXX  ; Debt : {$320.00} ; and Original Creditor XXXX XXXX XXXX ; ) I spoked with these parties about the opened fraudulently account. They stated the account was a business account under my identity but there is no copy on file of LLC, DBA, INC, or Corporation and no business name on file. I have no business registered in the state of Florida what so ever. In which is why Debt Collector ( XXXX XXXX XXXX XXXX  ) Removed the account from collection ON XX/XX/XXXX. 

Item 2 : XXXX XXXX ; XXXX ; Debt : {$270.00} ( Previous Debt Collector : XXXX XXXX XXXX ; Account Number : XXXX ; REMOVED ON XX/XX/XXXX ) THIS DEBT IS NOT UNDER MY NAME ONLY MY SOCIAL SECURITY. 

The items I have identified above are inaccurate and opened fraudulently due to identity theft. XXXX XXXX XXXX XXXX XXXX. These accounts were closed repeatedly last year and earlier this year due to fraudulence. Yet, they continue to harass me with multiple debt collectors whom are not authorized by law collect nor request these fraudulent accounts through any of the credit bureaus ( XXXX, Experian, & XXXX  ). 

Laws to abide by : 1. 1022.123 Appropriate proof of identity 2. PART 602FAIR AND ACCURATE CREDIT TRANSACTIONS ACT OF 2003 3. PART 681 IDENTITY THEFT RULES
Consumer complaint received 2022-07-18
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: Experian Information Solutions Inc. (CA)

It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report # XXXX. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MT)

I recently reviewed my credit reports and became aware that XXXX reported late payments that I don't recall ever being late. I have had this card since XX/XX/XXXX and it has always been in good standings. The following are the dates that XXXX are reporting late payments that are having a direct impact on my credit score & credit worthiness. XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 

I have requested XXXX proof that the alleged late payments are correct and as of this date XXXX has been unable to provide me the information I'm requesting.