davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-07
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Commonwealth Financial Systems, Inc. (AR)

XXXX contacted my wife for an alledged medical bill. The person that called her name is XXXX, the numbers have I have for them are XXXX, XXXX and XXXX ext XXXX and said we could request to speak with the attorney whose name is XXXX. The company did not identify any location, but threatened legal action that they would collect my wife 's XXXX and collect any taxes that she may be receiving during tax time. The debt they are trying to collect is from 2009. They said that they have already forwarded it and that she will be served papers. Should n't she already have papers?
Consumer complaint received 2024-10-01
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (NY)

From, I return back from my trip. I was out of the country for almost 6 years return this year in XXXX I ask for my credit report from XXXX XXXX and XXXX XXXX and realize that there was an account open in my name without my permission from synchrony. Ive been arguing with synchrony for almost 7 months and they are refusing to take it off my credit report.
Consumer complaint received 2016-08-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CA)

I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.
Consumer complaint received 2016-07-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I went to XXXX for small purchase and they have offered me credit card, I opt it and they have promised me to send the XXXX credit card to my address. I never received that card and they have started sending me bills. I have called them to revoke the charges since i never received the card. They said, they will omit the charges since i havent received the XXXX Credit Card. 

Today i have received the credit report from the credit bureau ( TransUnion & XXXX ) as ( -XXXX ) on my credit score, which is really bad. I wanted to file this complain against the XXXX credit card. Kindly advice me the further process, in order to balance my credit score. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2016-03-07
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Trident Asset Management, L.L.C. (OH)

XX/XX/2012 my apartment was robbed. They stole a box of checks from my home that I thought I lost. Turns out the checks were still in the home. I had already reported them stolen. Trident asset is trying to force me to pay for XXXX checks. These are FAKE checks not even from the box stolen. They have fake account numbers and claim to be XXXX XXXX. They have a XXXX XXXX routing number on then. They have my old name and address first name spelled wrong. Fake drivers license information and XXXX different fake telephone numbers typed under my name and address. Trident refuses to find them to be fraud even with my real information. They put them on my credit report! The debt collector accused me of being a thief and said I probably made the checks myself! They also refuse every time to allow me to talk to a supervisor to resolve the issue.I need help getting this off my credit reports. I have had every other debt collection help me resolve these issues except them.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (AL)

As of Tuesday, XXXX XXXX, 2017, EXPERIAN is still knowingly and illegally reporting a debt of {$1000.00} to XXXX for XXXX. 

REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX. 
I maintain that during the selling, purchasing and/or transferring of my account ( s ), XXXX, knowingly violates both the Fair Debt Collection Practices Act and The Fair Credit Reporting, by constantly and consistently reporting negative, unfair, inaccurate, unreliable, incomplete and missing information to the XXXX major credit reporting agencies/bureaus ( Experian, XXXX and XXXX ) by purposefully misrepresenting a debt that I do NOT owe in its reporting as debts of XXXX ( {$1000.00} ) that is : ( 1 ) paid/settled ( 2 ) old, obsolete and out-of-date ( 3 ) over the Statue of Limitations ( 4 ) time-barred ( 5 ) used to intimidate ( 6 ) purposely omitted date ( s ), time, purchases and amounts.
Consumer complaint received 2016-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION (CA)

I applied for a loan on XX/XX/2016. Had appraisal ( which I realized latter came from a 3rd party company the lender owns ) which came back WAY to low. I filed a dispute, did research, comps etc. They had numerous errors in it, did not add upgrades, got addresses wrong, sq ft wrong. I continued to work with them since we were out the money and I was being assured everything looked fine. They sent me new disclosure with all the wrong info. Had to send back again, waited long time for updates. Not once did anyone mention my Small Business Loan may be an issue. XX/XX/XXXX, I myself was concerned so I contacted SBA. SBA said I had to get paperwork in so they could do a subordination agreement. Amerisave kept stringing this along, got my money, and now after 3 months & 3 weeks, they claim they ca n't lend to me. the reason was on an issue that should have been a red flag in the very beginning. I am out over {$500.00}, but that 's not the worst part. Because of how long they took, the interest rates are way higher! I have e-mails of all the errors, the apologies, the excuses. I believe the company is a scam and the fact that they are allowed to use their own 3rd party company for appraisal and Title & Escrow should be against the law.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CO)

I was recently notified that my credit score had dropped by XXXX points. Upon investigation, I learned that Experian is reporting student loans of $ XXXX for " XXXX '' and another $ XXXX XXXX XXXX XXXX XXXX XXXX. '' These are plainly and clearly duplicate accounts that resulted from XXXX 's recent restructuring. They say it will eventually disappear, but there are news articles to suggest otherwise. Experian is very quick to dismiss my disputes, saying the information is valid. Common sense and a tiny bit of care would lead anyone to realize if I had a $ XXXX loan for years and suddenly I had a nearly identical and additional amount owed ( the difference amounts to a monthly payment being reflected on the most recent, not on the older account that should no longer exist following the internal transfer ), then this can not be valid. Student loans are not taken out in XXXX XXXX XXXX XXXX XXXX  increments! But probably Experian doesn't have any XXXX-XXXX  people on staff, so this may be lost on them.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

I have been going back and forth with the credit monitoring companies trying to get them to make XXXXXXXX XXXX XXXXXXXX correctly report my current payment status on my account. XXXX refuses to provide Experian with the correct data. And Experian is settling for XXXX 's response that they are correct. I have provided Experian with documents that prove my mortgage loan was EXCLUDED from the XXXX  XXXX and proof that I am still making monthly payments and still receiving statements. If this loan was discharged in XXXX XXXX, someone should be able to explain to me why XXXX and Experian refuse to correctly show my payments on my credit report. This has negatively impacted my credit report and has caused me to be denied credit.
Consumer complaint received 2024-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.
Consumer complaint received 2024-10-16
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: NAVY FEDERAL CREDIT UNION (TN)

Incident Summary : On XX/XX/XXXX, Navy Federal Credit Union withdrew {$1900.00} from my account without my consent, about a credit card that I reported to them as fraudulent and now appears to be in collections. 

I have an Identity Theft Policy, as my identity was stolen in XX/XX/XXXX. My credit report has multiple inaccuracies, including three names I did not provide, and a house purchase I never made. These issues have significantly impacted my credit score. 

I previously filed police reports and contacted Navy Federal numerous times regarding the fraudulent nature of this credit card. Despite informing them of the identity theft and the fraudulent activity on the account, they have not assisted in resolving this issue. 

In XX/XX/XXXX, Navy Federal sent me a letter offering to settle the debt for {$900.00}, but before I could respond, they debited {$1900.00} from my account, citing the credit cards collections status. This action was taken despite my long-standing claim that the card was obtained fraudulently and should have been handled as part of the identity theft case. 

I have already provided police reports and other documentation proving my identity theft, and I am requesting immediate assistance to reverse the unauthorized withdrawal and resolve the ongoing issues related to this fraudulent credit card.
Consumer complaint received 2016-08-07
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK (IL)

Dear Sir or Madam, I am having a huge issue with my Discover Credit Card. I have been a member since XXXX with outstanding credit and never missed a payment. I changed credit cards and during the transfer process Discover Card is billing me twice for the XXXX XXXX statement. They included the transfer balance of {$1000.00} on the XXXX XXXX Statement and showed that I paid it on XXXX XXXX, XXXX but also included it as purchases so they are billing me again for the balance of {$1000.00} on the XXXX Statement thus inflating the XXXX Statement to a {$1800.00} balance. 
Since I discovered the issue ( which was right away as soon as I got the statement ), I have spoken to XXXX different people including XXXX supervisors who all claim that they see the issue and they will fix it. Guess what? No one has fixed anything. My balance is still inflated with a statement due in a couple of weeks with the wrong balance. Not to mention that I am shopping for a property and my credit is pulled by lenders who see a wrong inflated balance. 
I am beyond frustrated with Discover Card, a company I thought was professional and had good controls regarding balance transfers. Every time I called, it was the same process. The main contact would transfer me to billing ( after keeping me on the phone for about 30 minutes ), then the billing admin would transfer me to a supervisor who would tell me after 45 minutes that they will need to further investigate. How much further investigation is necessary for a credit card leader such as Discover? I am a XXXX and to me it is very obvious : beginning balance + purchases - payments = the balance that I owe for the XXXX statement. However, Discover thinks the following formula is true : beginning balance + purchases - payments + purchases again = ending balance. 
I really hope you can help me at this point because I really do not know what to do. Maybe actually showing up at their billing center and fixing the problem myself might be best? Please call or mail them a letter. They need to go ahead and not rob me of {$1000.00}. I am a single mom and am on a tight budget. This is what I call - taking advantage of the customer and I really do not appreciate it. 
Please call me with any questions as far as if you need further details about my situation. My name is XXXX XXXX and my phone number is XXXX. Thank you for you help. I hope your organization will actually do their job unlike Discover Card.
Consumer complaint received 2016-05-17
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (PA)

Below is a copy of a letter I sent : To Whom It May Concern : I am writing this letter to dispute the above-referenced accounts with your agency. I am disputing this debt due to the fact that it is NOT MY DEBT. I am requesting that you provide me with debt validation and a contract with my signature on it as well as a FULL ACCOUNT HISTORY and itemization of all charges. Furthermore, please provide proof that you have the legal right to collect this debt as well as proof that you are licensed to do debt collections in both your state and mine ( PA ). Please cease any phone contact with me -- all of your correspondence must be in writing via my address listed below. On XXXX XXXX, 2016 I mistakenly paid off XXXX of these fraudulent accounts not knowing that I was being deceived. I expect FULL REFUND of the amounts totaling {$230.00}. I have attached proof that these funds have been deducted from my account by your agency ( which is admissible in a court of law ). Please be advised that if I do not receive a full refund within 30 days of the date listed above, these damages suffered by your agency due to frivolous and illegal collections actions will be recovered via lawsuit. Additionally, I have filed complaints with the Consumer Financial Protection Bureau, the XXXX and other government agencies.
Consumer complaint received 2016-08-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery Systems Inc., calls on debts they never owned and do not exist. My credit report is clean, I owe nothing to anyone. They keep calling pretty much daily ; from a different number each time. It is beyond annoying! It is XXXX ( now XXXX ) that sells phone numbers to companies. ( not part of this issue, but the way this company gets peoples info. They never called until I got a XXXX phone number, not a coincidence! )
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MD)

FedLoan Servicing, a private entity, manages my federal student loan. FedLoan Servicing, without explanation or legal authority, limits electronic payments to XXXX ( XXXX ) per month in order deny loan recipients the opportunity to quickly and easily repay the loan. Moreover, FedLoan Servicing, without explanation or legal authority, refuses to accept payments on weekends, yet continues to assess per diem interest on weekends, to the great detriment of loan recipients.
Consumer complaint received 2016-08-07
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CA)

On XXXX XXXX 2016, I attempted to initiate an Automatic Clearing House ( ACH ) transfer from my XXXX at HSA Bank ( a division of Webster Bank, XXXX. ) to an external linked and verified bank account. HSA Bank 's online portal would not process the transfer, because it is greater than {$500.00}. I called HSA Bank 's Customer Service Center at XXXX and spoke to a representative " XXXX '' who confirmed that HSA Bank has a new policy limiting outgoing transfers to {$500.00} per day. I protested because there is no language in my account 's " Deposit Account Agreement and Disclosures '' that references or allows such restrictions on withdrawals. First, she maintained that a new Account Agreement has been sent to account holders, but I had not received it yet. On further questioning, she admitted that no notice had been sent to account holders, and that this was a new internal policy, which was allegedly put into place due to fraud. She was unable to direct me towards language in the account " Deposit Account Agreement and Disclosures '' that allowed such restrictions, and was surprisingly unable to provide me with at copy of the current " Deposit Account Agreement and Disclosures. '' As an alternative arrangement, she did suggest that I could contact my regular bank and obtain a cash advance to pay for medical bills. 

These practices are improper and concerning for several reasons : 1 ) There is likely no legitimate reason for the {$500.00} daily withdrawal limit other than to limit consumers ' access to money 2 ) This does not conform to " general banking practices '' in XXXX or in the XXXX 3 ) If in fact, HSA Bank is having significant fraud problems with ACH transfers to *verified* external linked bank accounts, this should raise a red flag about the overall security level and internal controls at HSA Bank XXXX 
4 ) It is interesting that HSA Bank has no problems accepting incoming ACH transfers greater than {$500.00}. 
5 ) The {$500.00} daily restriction is so incongruent with the essential nature of an HSA ( i.e. paying individual medical expenses, which often exceed {$500.00} ) that XXXX wonders if this account can truly function as an XXXX. 
6 ) The advice to obtain a cash advance from my primary bank to pay a medical bill is very poor advice. 
7 ) Although I agree than HSA bank can limit withdrawals when fraud is suspected, applying a blanket and arbitrary policy to all accounts is not appropriate.
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NH)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2016-08-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (VT)

Citizens bank deducted {$1300.00} from my joint checking account. When I called they told me it was for an account that was in overdraft since 2007. I have no recollection of this account and wanted proof that i opened it, they said to contact the branch for that. The branch where it supposedly was opened no longer has those records. I have never been notified about this account. I have a joint account and recently opened a business account at this very branch and NEVER has this " bad debt '' account been mentioned. When I spoke with the Branch Manager he could n't find the account in his system. Neither here nor there, they have violated Vermont 's Statue of Limitations. According to the Federal Reserves, Citizen Bank is is not federally regulated on deposit accounts and it automatically defaults to state laws.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

As of Tuesday, XXXX XXXX, 2017, TransUnion is still knowingly and illegally reporting a debt of {$430.00} to XXXX for XXXX XXXX XXXX , XXXX. 
REASON FOR DISPUTE : This account is too old to be on file /time-barred, over the Status of Limitations ( please remove ). Balance is incorrect ( account is paid/settled ). This account was paid to the original creditor prior to becoming a collection or charge-off. This record contains multiple inaccuracies purposely known and reported by XXXX XXXX XXXX , XXXX.
Consumer complaint received 2017-01-25
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TN)

EXPERIAN is illegally and unlawfully reporting information on my credit file. I 've asked for the following information : a ) Federal Reserve form XXXX registration statement, ( b ) Federal Reserve form XXXX ( b ) ( 5 ) prospectus, ( c ) Federal Reserve form FR XXXX balance sheet ( s ), ( d ) Federal Reserve form FR XXXX balance sheet ( s ), ( e ) Federal Reserve form XXXX balance sheet ( s ), ( f ) The Deed of Trust. ( g ) XXXX of custody and They have not responded to my request. I also asked them to present a certified final forensic audit from EXPERIAN in accordance with XXXX in accordance with basel XXXX accord XXXX conventions. I also asked them to present these documents from the following vendors/creditors : XXXX XXXX XXXX, XXXX XXXX and they have failed to do so.