davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC (TX)

I have sent certified letter after certified letter to XXXX  as well as the other credit reporting agencies regarding accounts in error on my report. XXXX  originally removed the referenced account for {$120.00} dollars and when I sent a written letter following up regarding another account that was erroneously placed on my account. They reinserted the an account they initially removed. 

I have made multiple attempts to have them explain to me how they're verifying these accounts. I've asked for copies of the documentation that they by law should be reviewing to verify these accounts prior to reporting them. However they simply reply with the accounts have been verified. I asked them to remove the accounts. They're stating they've verified the accounts. But fail to send me the physical documentation they reviewed to confirm the debt was mine. 

The account in question is being reported by " Transworld Systems '' as  I have emailed them due to their sending me a generic statement that I don't recognize. Nothing with my signature or an application of my applying for services. Furthermore there were no notifications of reporting information to my credit sent to me nor any letters notifying me of transferrence of ownership of my account. If it in fact it were mine. I asked Transworld where they received authority to report anything on my credit report. I'm waiting on a response from them right now. But I seem to be getting nowhere with either and this is just one account I'm having issues with. I'm applying for new housing this year and a professional license where my credit will be reviewed. These type of issues greatly affect my life and it seems that due to the number of accounts they're reporting. They're just bypassing the protocols required by federal law. If something doesn't change here my next step is to file a civil claim.
Consumer complaint received 2023-02-26
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: SYNCHRONY FINANCIAL (FL)

We decided to stop using and close this Paypal Mastercard credit card because they made some changes to it and we didn't like the changes. Our last purchase using the card was around the middle of XX/XX/2022. I was waiting for the final payment date of XXXX XXXX, 2022 and then I was going to close the account. 
However, a fraudulent charge for {$59.00} was made on XXXX XXXX, 2022. I called ( they do not have an email, chat or other " papertrail '' type of service ) on XXXX XXXX, 2022 and disputed the charge. I then made full payment to them of the balance due minus the {$59.00} fraudulent charge. I kept checking on the website to verify the disputed charge and check on it. However, it still showed the {$59.00} charge and now it had late fees on top of that. I called again around the end of XX/XX/2022 and reiterated that I disputed the {$59.00} amount and how dare they charge me a late fee on top of that. I also made sure they should closed this account. They still show this {$59.00} fraudulent charge, the late fee and I'm sure they will start collections very soon.
Consumer complaint received 2019-03-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (TX)

In XX/XX/2018 I received notice my payment due for XX/XX/2018 had jumped to {$540.00} which was almost {$320.00} more than what I had been paying the prior months. This was quite frustrating however I managed to figure out how to pay before it impacted my credit. My fiance was without work so I was struggling to maintain all payments and keep my credit from being impacted. During this time of trying to figure out how to make the XXXX payment I then received another notice of my payment due for XXXX which jumped all the way to more than {$1500.00}. As anyone can imagine this was a huge increase and if I struggled to pay the the additional {$320.00} I would not be able to figure this one out. I immediately reached out to American Express and asked what was going on as the payments had increased significantly. They indicated the amount due was because my pay over time balance was over the limit. I asked them what the limit was as I had received absolutely no detail on this limit and they advised {$4600.00}. I had not recently charged almost {$2000.00} so I asked for an explanation in which nobody could explain. I asked what assistance I could get as there was no way I could pay this by the required date to keep it from impacting my credit and I was told there was nothing. This was very disturbing. I have had a stellar payment history with them and all my other credit card companies. This was an unfair practice to a consumer. During my call I was also told - that I should have read my statement as it is in there. For those who pay online you typically never go in to the detail of the statement. This information needs to be transparent to consumers, not embedded and hidden. I would like to request the late payment for the XXXX payment be removed from my credit. I was able to pay the payment however I was 4 days over the 30 day mark. I did all I could to try to resolve however the company offered no assistance, was unwilling to take ownership in the misleading information, and seemed to truly not care. Not only did it hit my credit two months later I get a notice that they are lowering my pay over time limit to {$3100.00} because of credit score dropping - which was a result of their lack of informing a consumer. I also had another credit card company drop my limit from {$5800.00} to {$2100.00} because of this one late payment. I find this to be horribly unfair to consumer and they must change their way of how they handle this type of credit card with pay over time balance. I would hate to have another consumer in this position who truly could not pay.
Consumer complaint received 2019-03-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synerprise Consulting Services, Inc. (TX)

I have never been a patient or used the services of XXXX XXXX XXXX ( XXXX ) XXXX. However, the company has sent an account that does not belong to me to a collections company named SYNERPRISE CONSULTING. The collection company has since reported to the credit bureau that I have an outstanding debt and it appears on my report as a negative account which is causing a denial of credit. I have contacted both the clinic and collection company demanded to have the account removed from my report.
Consumer complaint received 2023-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

According to the FCRA 15 USC code1681 the 3 credit agencies that are displaying and furnishing inquiries and information on my credit report without my written consent which is against the law. Knowing I have submitted proof that of mix identity and been a victim of identity theft knowingly reporting things without my consent it damaging my credit and creditability and causing me hardship in my life which no matter how much proof I submit the credit agencies refuse to abide by the laws and correct. In addition to this preventing me from having access to my account due to mixed information that is preventing me from knowing what all is reporting. I have been going through this longer than 3 months with them and my report needs to be corrected immediately as I am being negatively impacted financially and mentally due to this stress and unresolved.
Consumer complaint received 2019-03-16
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX*, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I never received my " Mini-Miranda '' five days prior to placing this derogatory items on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 (  1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX** is held liable as well, for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. None of these companies has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2016-05-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc. (CA)

In XX/XX/XXXX I went to XXXX XXXX Hospital ER for a XXXX, XXXX, used my health insurance card. I was looking at my credit score XX/XX/XXXX and come to find out I have a collection agency trying to bill me after 5 years! CMRE Financial Services Inc. I never received a bill and now its messed up my credit.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (TX)

Collection agency name : Midland Credit Management INC Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Dear Midland Credit Management Inc I have recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct person and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement that I have signed with your company or the original creditor. 

In Accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information listed below : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 



Please cease and desist from collecting on this debt until you have provided validation of the debt. 



Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 


Permissible Purpose Please state your permissible purpose for accessing my credit information. 
I dispute your right to do so. 

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MN)

I attended the XXXX  XXXX XXXX XXXX in XXXX, MN before it and XXXX XXXX got into legal trouble with the State of Minnesota and stopped operating here. I attended XXXX for XXXX quarters after being told their XXXX XXXX XXXX was the same as a XXXX XXXX XXXX and was soon to be accredited. 

They were never accredited and my degree is not only impossible to complete, but not the product I was sold. Because of this, I stopped registering for classes at the school and requested information for the lender they had me borrow money for tuition from as they did not have agreements with any banks for student loans. They refused to provide information for paying the lender directly. So I told them I would wait for a bill when the first payment was missed and pay my lender directly, they would only let me pay in person or through their school portal. 

Long story short, I never received a bill from my lender. I do not believe there was ever a third party acting as the private loan lender, but it was a line of credit from the school. That is against the law as far as I know. My issue is that I was allowed, by the State of Minnesota, to take out federal education loans for this now defunct institution. I have repeatedly requested to be released from these loans and have been denied by XXXX and my servicer without reasoning for why they are assisting MSB in committing financial crimes against me. 

My servicer is Navient. It was previously XXXX XXXX, and before that, it was XXXX XXXX. The federal government should not be assisting a private company in committing financial crimes by demanding repayment for the costs of their criminal act.
Consumer complaint received 2023-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc. (GA)

I received text messages between XX/XX/XXXX and XX/XX/XXXX stating that I had purchases at IKEA to pick up. The locations were at IKEA XXXX ( XXXX, FL ) and IKEA XXXX ( XXXX ). I immediately checked my internet account and no such purchases were there. I also checked all of my debit and credit cards and there were no such purchases found. About a week later, I received an IKEA Project Card in the mail. 

I called IKEA and reported it on XX/XX/XXXX. They sent me to a FRAUD line that never picked up. I tried a few other occasions and could never get through. When the Lender called me on XX/XX/XXXX, they put me through the FRAUD line and an investigation has finally started. Before then, the Lender mentioned to me that the purchases were made at a MD store. That is different than what I received on the text messages. The card bill I received does say MD and the amount of {$300.00}. I am worried there may be more than one account because when I call in with my number the balance was {$800.00} in XXXX. 

Once I reached the FRAUD line, they said they would start an investigation. They also stated that the email attached to the account is a different one than the one I told them today, which may explain why these purchases don't show up on my internet account. 

The account is in the name of XXXX XXXX. I have updated my name to XXXX XXXX XXXX for my IKEA account since XXXX or XXXX of XXXX.
Consumer complaint received 2024-10-22
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: National Credit Systems,Inc. (MS)

I refuse to pay the debt to National Credit System which is located on XXXX XXXX XXXX XXXXXXXX and their account number is XXXX and I have every right due to law 15usc1692cc and I would like to cease all communication with them. Their phone number is XXXX
Consumer complaint received 2020-10-10
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. (MN)

The following accounts and payment history information listed on my Equifax credit report is fraudulent and is not my accounts or payment history : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and MN Child Support Enforcement
Consumer complaint received 2023-01-25
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc. (OH)

Here is the initial complaint I submitted to the FBI on XX/XX/XXXX of 2022 : " At around XXXX on Saturday XX/XX/XXXX I received an email from Coinbase stating that my password on my account had been changed. I woke up around XXXX and tried to log into my account and could not because the password was incorrect ( so it had been changed ). I called Coinbase immediately and had them lock my account. At this point my funds were still in my account. I was then instructed by a Coinbase employee over the phone to start an account recovery process. I completed the instruction and than was told that I would have to wait up to XXXX hours before I could log into my account. Sunday morning I received an email saying my account was ready for log in but when I tried to log in I still could not. I than spend several hours on the phone with a Coinbase employee trying to get access. On Monday morning XX/XX/XXXX I again spoke to a Coinbase employee about getting back into my account. It is at this time that this employee informed me that all my crypto currencies had been transferred out of my account on Sunday morning the XXXX of XXXX around XXXX. This Coinbase employee also informed me that even though this account hack was not my fault and it was their own account recovery process that unlocked my account and allowed the hacker to steal all my crypto currency that Coinbase was not responsible or liable for my funds being stolen. On the XXXX of XXXX I filed a statement with Coinbase 's investigation team and them recommended that I file a report at this location. '' After I was finally able to access my account again, I found that the dates that the Coinbase employee had given me about the time my funds were stolen were incorrect. I then filed a complaint with their complaints department. This complaints department instructed me that they were stolen on XX/XX/XXXX. When I sent pictures from my account, clearly showing them that this was not the case, they had nothing to say. They also later told me that if I had had two-factor authentication with a Google Authenticator XXXX this could have been prevented due to the fact that the hacker would have needed physical possession of my device to get the access codes. When I explained to them that I did, in fact, have two-factor authentication with a Google Authenticator , they again ignored me and responded with what seemed like boilerplate explanations about how they are not responsible for any lost or stolen funds. I have included the emails and pictures showing all this. 


It seems very clear to me that Coinbase is responsible for the loss of my funds, as I had taken every security measure they required. They have clearly contradicted themselves several times, which leads me to believe that they are trying to cover up something for which they know they are responsible.
Consumer complaint received 2019-03-16
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. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX   # XXXX** was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports , in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, I never received my " Mini-Miranda '' five days prior to placing this derogatory items on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX** is held liable as well, for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where any of these companies are in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. None of these companies has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Consumer complaint received 2019-03-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc. (KY)

I purchased furniture from XXXX XXXX in their store in XXXX KY on XX/XX/2018, totalling {$3200.00}. They had a 101 days same as cash promotion going on, and told me that if I did not pay it all in that time frame, it would roll over into a loan. I signed an application and had the receipts for the purchase. I do not remember signing anything electronic. The payments went to American First Finance. 
During the 101 days, I paid {$1000.00}. 
After this time, they told me that I would now owe a huge amount, where the electronic contract that I signed said that I would pay 144.60 % interest! I told them I did not sign this! I told them that was extremely unfair, and I believe that it is illegal! I continued to make payments and continued to call them and as of XX/XX/2018, I had paid the remainder of the purchase amount. Now all I owe is the interest on {$2100.00} for the amount of time that I paid on that money, which is 8 months. 
I have spoken to the company several times, trying to negotiate a fair amount of interest for the both of us for the amount/time frame of what I would owe them, which is {$2100.00} for basically 8 months. They have now put this on my credit report, saying that I am late on payments. 

The best verbal offer for settlement from American First Finance that I have is {$2400.00}, or they say I can make payments on the full balance of {$3400.00} ( on a purchase of {$3200.00}!! ). l believe this is illegal, and there are usury laws in KY that have a cap of 19 %. I had no idea what I was getting into with this company. I now need to trade my car and my credit rating has dropped several points, which is going prevent me from getting the vehicle. 

I am willing to settle this for 19 % interest for 8 months on {$2100.00} which calculates to {$270.00}. They are threatening me with a collection company. I believe this company to be using illegal and extremely unfair business practices to their customers. There are several online complaints just like mine where they done this to other people.