davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-29
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (FL)

I have an Ashley Furniture credit card ; there 's been a pending charge to my card since   XXXX  2016    from a store ; which no one seems to know or ca n't locate. I reside in  XXXX , I 've always paid cash for my purchases at this store ; yet they provided me the store phone number. I humored myself and made the call to hear, what I already knew.  I spent two hours on the phone on a Sunday and Monday ; trying to fix this situation ; yet 6 months later with still this pending charge ; 1 month continuously trying to rectify this situation. I 've had to call numerous store ; which the customer represent constantly, rude or tell me where I to need to call.  Then I had to call Colorado and that the represent was rude and told me their store does n't handle fraud. I 'm continuously, going around in circles, if I close the account it becomes as a negative mark against me. Which I contacted to cancel the card since I ca n't get it straight, now I ca n't close because I have a pending charge. Which on my statement I do n't have a balance ; what is the time frame a consumer has to whole this so-call pending charge on my account. Why is n't red flags against my acco unt for this. Wonder, why fraud is on the rise.
Consumer complaint received 2017-05-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

Apparently for some reason, Diversified Consultants Inc. has not sent me the proof of my obligation of this alleged debt as requested and continues to report this debt as requested and continues to report this debt to the   XXXX   major reporting bureaus. This is creating major issues for me such as higher interest rates, lower credit scores, employment denials and application rejects because of this outstanding balance that shows as being owed.
I disputed this account back on  XX/XX/XXXX  on my  XXXX ,   XXXX   and   XXXX    credit reports to no avail. Diversified Consultants Inc. continues to ignore my requests and they continue to ignore my consumer rights.
I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand all of the documents they have recorded and retained in their files at the time of the request concerning the account they are reporting in my credit reports. All unverified accounts must be deleted.
Who verified this account? What documents did they use to verify? Where are the documents used to verify? The only correspondence that I received was a billing statement. This item does not qualify as fell verification per FCRA.
In the US Law Encyclopedia,   XXXX   XXXX  ,   XXXX   XXXX   XXXX   XXXX  . Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
The company is in violation for continuing to verify this account with the credit bureaus with providing the evidence as requested. It is my contention that Diversified Consultants Inc. knows that they can not tie me to this account, otherwise they would have done so when I made the initial request. Diversified Consultants Inc. is blatantly disregarding the law.
Consumer complaint received 2016-08-04
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CA)

XXXX XXXX, 2016. I got a letter from Wells Fargo Financial National Bank ( attach letter ) signed by XXXX XXXX. The letter let me know that because I did not accept the offer from Wells Fargo Financial National Bank I was responsible for the full deferred with 27.99 % + 27.99 = 55.98 %. Now I am paying 55.98 % this is incredible.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (IL)

I WOULD LIKE TO REPORT THESE INQUIRIES AND WOULD LIKE FOR THEM TO BE TAKEN OFF MY CREDIT REPORT BECAUSE I AM A VICTIM OF XXXX  XXXX  AND THEY ARE DAMAGING TO MY XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BMW Financial Services NA, LLC (CA)

I tried pulling my credit report to refinance the balance of my vehicle loan wit h BMW financial services. I come to find out that BMW repor ted me 30 days late about 4 months ago. I have never been late on this loan, and have provided screen shotted information reflecting the due date of the  XXXX  and payments having been made prior to that. This error caused my score to be adversely affected and affected my ability to qualify for a competitive interest rate. This has also affected my ability to take advantage of specials that have recently passed as it comes to debt consolidation of my car loan.
Consumer complaint received 2017-05-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Williams & Fudge, Inc (GA)

This company is coming after me for a debt that does not belong to me. I asked for validation with a signed contract and from what company I was sent a receipt from an institution I did not attend. I am am a victim of indetity theft and this debt is not mine.
Consumer complaint received 2017-05-29
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. (CA)

I have been dispute this information since  XXXX . An account from  XXXX  University  XXXX   XXXX  showed on my Transunion report for  XXXX . I went and viewed a full report and Transunion stated I had an unsecured loan from  XXXX  with  XXXX  University. Ive never taken out the personal loan with them. I called and spoke with Transunion and asked to have the situation investigated in  XXXX . I asked for information as to who they spoke with and how they verified their information. I still have not received any info as to how they verified it. I also told them ( Transunion ) they needed to update or delete incorrect information and the rep told me that  XXXX  was their client and pays them to report information.I spoke with  XXXX  and they verified that it was not an unsecured loan but a tuition bill. This is a tuition bill from  XXXX  not  XXXX . Transunion and  XXXX  University continues to damage my credit report by reporting this as an unsecured loan and that this bill is from  XXXX .  XXXX  University was paid in  XXXX  by a student loan.They were paid in  XXXX  of  XXXX  which is why I got a refund check. I recorded the call with Transunion, I have the documentation from  XXXX  showing it was a bill and not a unsecured loan and an email showing I had financial aid.
Consumer complaint received 2017-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I recently reported    XXXX   XXXX   XXXX    to all  XXXX  major credit reporting agencies for reporting fraudulent false information which has damaged my credit. The pretender lender loan servicer, its   XXXX   crooked litigation lawyers and shady CEO level incompetent employee 's have all been threatening me, harassing me for years with fraudulent   XXXX    trustee sale if I did n't sign a none negotiable increased loan modification in 48 hours, that I pay the pretender lender loan servicer  XXXX  over {$750000.00}, over {$200000.00} more then the {$550000.00} original loan amount that was paid in full over 10 years ago and keep my matter confidential, and threatened me that I better not tell anyone anything about all the fraud the pretender lenders have done to me my life, if I did n't follow the pretender lender loan servicers orders the pretender lender loan servicer would immediately seize my home I own free and clear without any further warning and throw me and my family in the streets.    XXXX   XXXX    and all the pretender lender loan servicers have all been using fraud upon the court to be guaranteed judgment rescind my full reconveyance and steal my home I own free and clear. Recently, the pretender lender loan servicer has been making up increased principal balances increased monthly payments and increased other fraudulent fees, threatening me with foreclosure.  XXXX   XXXX  IS MY ATTORNEY WHO WILL BE FILING MAJOR LAWSUIT AGAINST THE FRAUD WHITE COLLAR CRIME PRETENDER LENDER LOAN SERVICER OPERATION SEEKING THE  MAX  DAMAGES. I ASK THAT ALL   XXXX   MAJOR CREDIT REPORTING AGENCIES PLEASE CONTACT MY LAWYER ATTACHED.
Consumer complaint received 2024-10-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Consumer complaint received 2017-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Amsher Collection Services, Inc. (AL)

My health insurance XXXX XXXX XXXX XXXX XXXX XXXX was never billed for the medical bill from XXXX XXXX XXXX the origin of the bill. I contacted XXXX XXXX XXXX and they filed my instance after they sent me to collections with Amsher Collection by mistake ( invoice XXXX ). However XXXX XXXX XXXX XXXX pay the bill and I paid the remaining if the bill after the medical bill was recycled through the system. I contacted Amsher and give them proof the bill was paid by my insurance and myself and Amsher is still collecting on the bill. I requested they remove the bill from my credit report and sent them a certified letter tandcthe insurance billing paid cancelled check. AMSHER is still collecting on a debt that XXXX XXXX XXXX has been paid on ( {$310.00} ). I asked that the collection be removed from my credit report and Amsher continues to report this bill in collections.
Consumer complaint received 2017-05-28
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A. (NY)

Since I 'm a  Costco Wholesale Club member I did try to get the Costco Anywhere Visa accou nt, which is administered  by Citigroup , Inc but my application has been rejected because I filed for bankruptcy more than 13 years ago and in the process, its was included a previous account I had with Citibank. It looks to me as if they do consider filing for bankruptcy as an illegal act and I would like you to clarify my thoughts on this matter.I did send a letter to them dissenting with the decision they did take and remembering to them that Citigroup , Inc. along with others finances institutions almost sank the whole economy in the USA i n   XXXX   and did n't file for bankruptcy itself because the government by the time granted them the astronomical amount of  XXXX . Ir onically, I do have a Best Buy credit account which is managed by Citigroup and by the way, my credit score is  more than  XXXX .
Consumer complaint received 2017-07-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (GA)

I disputed the account several times by stating validation that I signed paper work with your company to show a collection on my account. I faxed over a letter asking them to remove it and she stated that the letter just goes in a file and this was submitted by XXXX XXXX XXXX. I told her that this should have been reported by XXXX XXXX XXXX and not there company. South West credit system in the amount of {$780.00}.
Consumer complaint received 2017-05-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Disputed multiple credit inquiries on credit report on  XXXX   XXXX ,  2017 . The credit bureau responded after the 30 days indicating that they were unable to " read '' my request. However, other than my signature that document was completely typed. This delay tactic has occurred each time I dispute with the credit buruea.      XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX
Consumer complaint received 2017-07-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (TN)

I continue to have problems with the credit reporting companies retaining a BK and Charge off of an XXXX mortgage that was decided by the court to be erroneous. I have enclosed the documents showing the final judgment in our favor AND the judge ordering the return of the house to us. This has caused distress to me and my wife as we are trying to secure funds for a newer home. Please see attached court documents. The matter was settled, the property was released and the summery judgement was denied and closed with prejudice against the Bank. ( XXXX )
Consumer complaint received 2017-05-28
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: Experian Information Solutions Inc. (FL)

The  XXXX   XXXX  is reporting several incorrect items on my  XXXX ,  XXXX  and Experian credit reports. First,  XXXX   XXXX  is reporting that there was payment activity in  XX/XX/XXXX    (  XXXX   ),  which the last payment made was in   XXXX  . Second, it is reporting that there is a monthly payment of {$2100.00} which the monthly payment is {$0.00}. The Home I have contacted  XXXX   XXXX  several times about identity theft and provided copies of police reports and fraud affidavits but in response instead of removing these fraud accounts -  XXXX   XXXX  reports these accounts as " new derogatory '' accounts which artificially lowers my  credit score.      The  XXXX   XXXX  is reporting this false information to illegally extend the 7 year reporting period, and is trying to keep these on my credit report an additional  two  years which it legally can not do.
Consumer complaint received 2016-11-16
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (PA)

I have an account with Paypal Credit which is based in XXXX MD. I made XXXX payment to paypal credit on XXXX XXXX, 2016 in the amount of {$120.00}, which showed up on my bank statement on XXXX XXXX, 2016. Also, what showed up on my bank account was an unauthorized internet payment of {$110.00}. I did not approve of that payment I did not make that payment. I called the company and they said they have to investigate the charge and they do not know how long it will take. In the meantime, because of this transaction, it has overdrawn my checking account, in which I was charged an overdraft fee of {$72.00} and I will be charged each day it is overdrawn.
Consumer complaint received 2017-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MO)

American Express re fuses to issue statement credit for card opened during eligible promotional period.   XXXX   XXXX   XXXX   My original inquiry to the Customer Service department has resulted in  2 inte rnal ' investigations ' that were both closed without any correspondence to myself by a representative of American    Express. My follow ups have failed to resolve the issue. The account is eligible as per the above press release verbatim and the promotion was the defining reason I applied for the account.
I attempted to resolve this issue with help from the Better Business Bureau ( c  omplaint #  XXXX   ) bu t that was met with no investigation to the actual issue and just passing 'notes ' back and forth between the company which is something I was capable of doing myself. The first attempt was a mailed letter from them in attempt to reach the default timeout period against the complaint.     The details on their very own press release ( link included in the original complaint message ) dated  XXXX   XXXX ,    2016  states very plainly that " New Card Members who apply by  XXXX   XXXX ,  2016  can earn up to {$200.00} cash back in the form of statement credits '' and that " Additionally, new Card Members will also earn {$100.00} cash back in the form of a statement credit ''.     My account is eligible for those promotions based off opening my card prior to the specified end date and meeting the purchasing requirements  ( all Wireless Phone Service payments for th e remainder of    2016  were made via the referred card and the second requirement of making {$1000.00} in purchases during the first month of membership was also met ).
Consumer complaint received 2017-05-28
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Data Corporation (NC)

On XXXX XXXX, 2017 I placed an order from XXXX 1  pack of XXXX calculator batteries Order # XXXX. On XXXX XXXX, 2017 we received a collection notice saying that a returned check fee of {$25.00} along with the {$3.00} original order is required ; otherwise consequences from first paragraph of attachment " scan1 '' will take place. I feel that I will have to comply to their wishes ; otherwise my credit can potentially be ruined!!
Consumer complaint received 2017-05-28
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. (FL)

report  XXXX  received  Sat   XXXX / XXXX / 2017  remains incorrect. Some issues rectified others not.  XXXX  shows a negative when account is still in good standing and they CONFIRM balloon included in balance due. They continue to show a North Carolina  XXXX   XXXX   when we have never lived, conducted business or know of any relatives in North Carolina. There is a " State Legislative Fr  eeze '' but no explanation and np mention of the security freeze? Attempts to reach them have come up empty! They do not allow a dispute! Numerous non authorized inquiries and they force you to notify some of them who made the inquiries before processing. They offer a free account but then they state it can not be processed. In my opinion they have serious reporting issues all of which create serious financial hardships and burdens for us as witnessed by the number of complaints posted and closed by you which are still unresolved.
Consumer complaint received 2017-05-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (IA)

the problem is navient says i 'm on a variable interest rate..i went back on my records when i was with   XXXX   XXXX   my private loan payments were always {$320.00} ...  XXXX   XXXX  i was switched over to  Navient  and payments stayed the same till  XXXX   XXXX  when they went to {$320.00}.  XXXX  of  XXXX  they went to  XXXX .  XXXX  of  XXXX  they went to  XXXX  and now its  XXXX   XXXX  and its up to  XXXX  ..it has gone up {$3.00} in 5 months this year alone.. I know for a fact i never singed on variable intrest rates and have called serval times requesting the paper work showing i signed off and agreed to variable   interest rates..I have never recived any proof of this and my rates keep going up.
Consumer complaint received 2017-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (PA)

I have a  " Citi Double Cash Card '' credit card from Citi Bank. When the monthly invoice arrives there is absolutely no mention of who to make the check payable to when paying via check. This is a deliberate tactic on Citi 's part in order to make it more difficult to pay via check. This is doubly strange because they include a complimentary envelope with which you can mail payment, either in the form of a check or money order. I hav e saved the original invoice and can forward it if necessary.
Consumer complaint received 2017-05-28
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: Colony Brands, Inc. (GA)

I disputed through all three credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On  XXXX / XXXX / 17 , my credit monitoring sent an alert. from  XXXX .   XXXX   XXXX   had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured,  Amount  in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.