davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (MD)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2021-11-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (NV)

I HAVE A COLLECTION ON MY XXXX XXXX FOR {$1100.00} FROM XXXX. THIS NOT MY DEBT I DONT KNOW WHY THIS IS ON MY CREDIT CAN YOU PLEASE HELP ME AND HAVE IT REMOVED AS SOON AS POSSIBLE, PLEASE HELP, THANK YOU.
Consumer complaint received 2020-11-19
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: CITIBANK, N.A. (CA)

Citibank XXXX XXXX XXXX, in XXXX XXXX, SD, XXXX will not acknowledge the fraud, Identity, and credit card theft of my Citibank XXXX credit card on XX/XX/2020. This fraud occurred while I was on a website XXXX XXXX XXXX chatting with a subcontract chat person working on the site. Unknown to me, she was part of a scam group that tells visitors ( me ) to download a program called " XXXX. '' The scammer says to download this program required to have a group chat, which I did. However, the program is actually ( unknown to me at the time ) is a computer troubleshooting application for technicians to enter one 's computer to solve hardware issues remotely. While I was chatting with the person, she was able to enter my account at the internet site without my awareness and stole my credit card. At that time she purchased several large amounts of " tokens '' ( totaling XXXX tokens in about 30 minutes! A breakdown of the valid and fraudulent tokens posted to her account was listed on the site. Note, most tipping by chatters is approximately 15 to 20 tokens per 20 minutes. The perpetrator then posted the tokens to her account for her profit, charging my credit card {$3600.00}! I have not paid this charge. Because of interest accrued, the amount now due is {$4100.00} per the XXXX Citibank statement, as of the closing date of XXXX XXXX, 2020. My credit rating dropped over 100 points because I will not pay the fraudulent charges! Citibank has given various inconsistent reasons why I am responsible, over several months, all of which are completely incorrect because of their refusal to accept the charges were fraudulent. They state I was aware of the intrusion (! ), and I charged this amount for a service obtained. In actuality, I " tipped '' the person only {$9.00} ( XXXX tokens ) for a chat interaction over a period of about one hour. No other tips were given! I am angry at Citibank because this group will not reverse the charges. Citibank has not followed the credit card fraudulent pertaining laws, nor have they followed their policy of not charging a credit card consumer when there is fraud involved on a credit card!!
Consumer complaint received 2022-02-01
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. (MI)

I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them has been heard. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$820.00} XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$19000.00} XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX
Consumer complaint received 2020-11-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credence Resource Management, LLC (NJ)

I received numerous calls from XXXX ( XXXX XXXX XXXX. I decided to call them back because it was frequent. Normally, robocalls are not repeated from the same numbers. 
- said they are from Credence Resource Management - he asked for my name - kept asking me to repeat myself. Couldnt hear me - Asked for my address and then my prior address - asked for my last 4 - told me it was an attempt to collect debt in XXXX. I told him I never had them. He told me it could be mistaken identity. 
- he wanted to ask more questions and I got suspicious - I asked him if the call was being recorded. He said yes. I told him he never mentioned that from the start. 
- I told him I think they are a fraudulent organization and hung up
Consumer complaint received 2021-12-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

Hello, my mortgage lender company is Mr , Copper and in XXXX due to Covid-19 hardship, I had difficulty keeping up with my mortgage and I enroll in the program to stop payment till getting back to work and repay my debt. in XXXX My total year-end mortgage was {$11000.00} and I paid up to {$8400.00} and my Unpaid balance was {$3000.00}. 
in XXXX I total years-end mortgage was {$11000.00} and I paid up to {$16000.00} as per request and some point I called in Mr copper and report that I am getting charged over what I actually owed, and they do not have you directly talk to anyone they just take a report and sent it out to other departments to resolved the issues and do not give any email or confirmation number about the call, give you nothing at all so I do not have any proof of my call and that was the reasons that I called for, they just know about it and kept saying will be resolved in XXXX to XXXX hours and it is been going on and on and they kept asking for money by as of XX/XX/XXXX I have over paid them for {$1700.00}, I someone from Mr , Cooper who said that she is only one that I can talk to, and she at beggining had agrred that I paid up to a month of XXXX and later she changed her word around and when she found out that the mortage payment and i was making she deposited under the XXXX insted of mortage payment and made me to keep paying for mortage which I have already made. her name is XXXX XXXX this is a copy of now they are requesting another payment for the month of XX/XX/XXXX, I like to know where did go the mortgage payment I have made? why I can not ask for help but only XXXX XXXX XXXX. she is the one who made the mistake of taking my monthly mortgage payment and depositing under different locations. 
her email : Thank you for allowing me the opportunity to assist you today. 

I will be your single point of contact. 

My direct contact number is XXXX, please call me directly if you have any questions. 

XXXX XXXX XXXX XXXX XXXXrom XXXX A.M. ( XXXX ) to XXXX P.M. ( XXXX ) XXXX XXXX ( XXXX ) Executive Resolutions Team ( P ) XXXX Thank you.
Consumer complaint received 2022-12-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (GA)

I am filing a complaint for my protection under Regulation E. I was scammed by an individual that pretended to be a financial advisor for XXXX XXXX XXXX. I was told there were three plans they offered. I chose the beginner plan for {$1000.00} on XX/XX/XXXX. After working with the pretend to be a financial advisor. I was led to the website to invest, where she walked me through buying process. I XXXX  another {$1000.00} on XX/XX/2022. After these transactions, I received an email that my money was tied up with some minors in a different country, and if I wanted to get my money immediately, I had to pay another {$1000.00}. I received several emails from this company. ( Please see attached ). Desperate to get back my money invested ; I send another {$1000.00}. I waited, and I received nothing. I was contacted again by the financial advisor to send another {$1000.00}. I had to sign up with another investment company. This time I became suspicious that I was being scammed. So, I refused to send the money. I now knew for sure that I had been scammed all along. I contacted Citi Bank, where the initial two transfers were for {$1000.00} each. I also asked the financial advisor for a refund since I never received my investment. No response. I also told the bank that I was able to get the IEP address of the fake financial advisor. Even with the information, I was informed that they would not give me a refund. Since all of this, I have suffered severe economic pain. {$2000.00} is a lot to lose for me. I have the XXXX transactions saved and the written response from the bank. I also have an email from the minors in another country asking me to send more money before my funds are released. I understand this incident happened several months ago. However, I know many people have received a refund for XXXX transfers regarding a Scam. However, I was not one of those lucky individuals. 
Bank Information : Citibank  XXXX XXXX : Citibank XXXX XXXX XXXX XXXX XXXX XXXX XXXX South Dakota XXXX XXXX
Consumer complaint received 2021-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

On or around XXXX, XXXX 2021 XXXX, XXXX, and Transunion took it upon themselves to start reporting a bankruptcy on my consumer credit report. After I contacted XXXX, XXXX, and Transunion, all three credit reporting agencies said that the bankruptcy ( XXXX ) was accurate and came from XXXX. On XX/XX/2021 XXXX sent me a correspondence which is included in the attachments, saying that " After their reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number ( XXXX ) ''.
Consumer complaint received 2021-06-15
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. (FL)

I sent Equifax my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding their continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation and subsequent reinvestigation, they stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

They have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ) a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2022-12-07
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

While the situation has been ongoing beyond just the past year, from XXXX of XXXX  until now, this company has called me even after I have requested them to stop, and it is most often during my work hours. I miss a majority of their calls ; however, in the event that I answer one of the calls, 9 out of 10 times the person on the other line disconnects the call without saying anything at all, and it almost always is done at exactly 4 seconds. If I do not answer, they never leave a voicemail either. 

Additionally, this company has called me nearly 100 times in the past year. On top of that, I have received these nearly 100 different calls from 72 different phone numbers, many having different area codes. In the most recent month of XXXX, I received 7 calls from XX/XX/XXXX through XX/XX/XXXX. In XXXX alone, they called me a total of 22 times, sometimes more than once per day. 

It really seems like harassment is an ongoing issue here, as they have not stopped calling when requested. And it is feels like harassment because of the excessive calls and various numbers calling. I have the past years ' worth of calls logged in my phone, and I have every single one of those 72 phone numbers saved into my phone. And it is very annoying that I have written them letters ( sent via USPS ) and have never received any responses. The worst of it all is the fact that this company has not only harassed me but has been a detriment on my credit reports. 

The photos of the call log and the saved phone numbers are attached.
Consumer complaint received 2021-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NH)

I lost my former job at XXXX due to XXXX XXXX XXXX XXXX, and after also reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, I was sent to unemployment by HR. HR then lied to the state, saying I picked this, and my unemployment funds, ie. any income help during a global crisis to which I was suffering from at the time, were withheld for approximately 4 months. I spent this time on the phone, making calls to get into relief programs, etc., anything I could to save my credit score and not lose my good standing there too, as is all I have left after working very hard for years to get it to the mid XXXX. XXXX XXXX was the ONLY company that did not have any options, but wasted approximately 3 weeks of my time, begging them with my situation for help. I was sent to one tier after another, then management, only to be brought back to the beginning of this call loop, making me now miss a payment when I was on hold in this circle of nonsense, with no solution other than a confirmed smear on my credit report. It will be included in the damages of my current lawsuit against XXXX multiple violations, and the ongoing domino effect it has had in my life. This is now negatively impacting my living situation, preventing me from getting my own apartment now that I finally have a new job. I have tried to dispute it through XXXX, however, only received a XXXX check from them months later for their 'failure to serve me properly during the pandemic, global crisis ongoing. ' Their dispute was settled in a matter of a week, and did not remove it from any of my reports, as they just confirmed they failed but put it on my shoulders. This nonsense is now on all XXXX reports and is the only negative thing listed there, messing with my life further. Their lack of assistance during a global crisis to which I suffered from yet still made it my full time job to call all billings I had to make sure I did not suffer further was to no avail with this heartless company, XXXX XXXX. I am working hard to eliminate any standing with them and close the account, but for now, need to continue my fight against their false report. I made every effort to remain in good standing and got help from all else but this company. They have taken action against me in filing these alleged missed payments ; I literally ran out of all my savings and had to ask family and friends to help me survive. Likewise beg billing services for understanding, adding more humiliation to a difficult situation. I should not be made liable for this, as is a false smear against me when this company simply did not act to assist anyone on a human level during a time of ongoing suffering in this world. give me my life back please and get rid of these XXXX missed payments ' I never missed. I literally lost everything, and XXXX seemed to go out of their way repeatedly to ensure I continued to suffer even more, and continue to.
Consumer complaint received 2021-04-02
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: Conn's, Inc. (TX)

There is a credit inquiry from Conns XXXX. I didnt submit an application with Conns. I received an alert today XX/XX/2021 from XXXX XXXX, this inquiry is in my XXXX report. I sent en email to XXXX XXXX  about this and am waiting to here back. After work I will request a credit freeze.
Consumer complaint received 2020-11-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NV)

Recieved forebearance and deferrement back in XXXX thru XXXX. Applied for extension. Never received anything stating the extension wasn't approved. Everytime I logged online it stated that we were still in forebearance up until XX/XX/2020. Even so still paid as much as I could during this time. Rang to schedule full payments starting from XXXX and was told Forebearance expired XXXX and the extension was not approved. I now owe over {$10000.00}. Explained that I applied for extension of forebearance and deferment in XXXX ShellPoint told me - " yeah the website was wrong! '' Company have suggested only plan available is for me to pay {$4800.00} for the next 6 months. Current payments are {$2400.00} I can not afford {$4800.00}. 

I think this is extremely unfair seeing as I made payments during the forebearance and did everything I could.
Consumer complaint received 2021-02-23
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Lending Club Corp (MI)

I submitted an application for a personal loan of {$25000.00} on XX/XX/2021. LendingClub requested several documents from me and after some back and forth all the nescessary documents were submitted. On XX/XX/XXXX they requested I print out and complete a 4506-T form with a wet signature. I then provided a scanned copy of this document to them by XX/XX/XXXX. At this point they then requested I E-sign a 4506-T form. As this was a bit confusing I called the LendingClub hotline, XXXX to confirm that they now needed an E-sign 4506-T. The rep looked at the account and told me there was a hold on it because the scanned copy of the 4506-T was marked as " not legible or cut off '' she reviewed it did not see why that hold was on the account as the document we legible and not cut off. She informed me that she approved the documents and to go ahead and E-sign the 4506-T, she said nothing else was required from me at this point. This was completed on XX/XX/XXXX. At this point in time there was no more communication from Lending Club for outstanding documents. On XX/XX/XXXX XXXX received the adverse action notice stating " You did not provide the documents we requested to finish reviewing your application. '' So on or about XX/XX/XXXX I called again into the hotline and spoke with someone who could not provide any more details beyond the notice so I asked for a manager. No manager was available so they said I would receive a call back. It is now XX/XX/XXXX and I had not received a call back so I called them again. After 30 minutes on hold with an agent waiting to speak to their manager and credit department I was told I was being transferred and if the call dropped they would call me back on my number. Of course the call was dropped during the transfer and I have not received any call back.
Consumer complaint received 2021-01-21
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Receivable Solutions, Inc. (SC)

I received credit alerts from : XXXX, XXXX, and XXXX that debt collectors Receivable Solutions flagged my accounts for collection. Debt collectors Receivable Solutions flagged my credit file with inaccurate collection Department / Agency / Attorney information on XX/XX/XXXX. The account was opened on XX/XX/XXXX : I have not received any good or services from debt collectors Receivable Solutions and I do NOT now nor have I ever agreed to debt collectors Receivable Solutions to report to my credit files. 
I did not receive any documentation from debt collectors Receivable Solutions to allow debt collectors Receivable Solutions to verify the accuracy of the data before placing their account with the credit bureaus for collection. 
I mailed debt collectors Receivable Solutions a certified letter and it was received XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I gave debt collectors Receivable Solutions a curtesy call verifying that my letter was received, it was received and confirmed by XXXX then I was transferred to XXXX. XXXX informed me that the call was recorded and that it was an attempt to collect a debt after I informed her my call was indeed a curtesy call for mail delivery she then informed me that the account was closed on XX/XX/XXXX ( yet it is still reporting to my credit files ) I asked XXXX how could this be an attempt to collect a debt from a closed account and I never agreed to an account in a first place. She mentioned the hospital that received compensation for my stay and I asked again who gave debt collectors Receivable Solutions my information. XXXX then asked if the line I called from was a good contact number, I clearly stated that Receivable Solutions nor any authorized representative of Receivable Solutions have permission to contact me on the phone.
Consumer complaint received 2021-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (SD)

I re-applied for my income based loan program and linked to the IRS. The link was successful. Now, my interest was capitalized and the program was not applied. I do not belive it is my responsibility to manage the technology of NelNet, and if the link didn't work, they should take steps to rectify. I will call them again, however, the customer service usually provides incorrect information. Last time, the reapplied my payment incorrectly, causing a " late '' payment and the loss of a .25 % interest rate reduction. This company is dishonest and is taking advantage of borrowers just trying to make ends meet and pay off student loans.