davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-23
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: Young America Holdings, LLC (NV)

A company by the name of Young America, a facilitator of rewards cards for XXXX has refused to honor the {$100.00} reward card owed me since XXXX XXXX. After numerous calls, they refuse to activate and give me the {$100.00} gift card that was part of my XXXX 12-month contract deal. Young America 's address is XXXX, MN XXXX. PHONE : XXXX Managers : XXXX, and XXXX. My XXXX account number is XXXX. My name and address is XXXX XXXX, XXXX, NV XXXX. XXXX, XXXX ( CELL ). 

I believe that Young America is committing fraud. They refuse to activate the card for 4 months and they keep giving me the runaround. At one point, 2 weeks ago they asked me to wait 5 weeks which is a total of 5 months for a card that had to be send in 4-6 weeks.
Consumer complaint received 2017-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (IL)

I have sent documentation to XXXX XXXX XXXX XXXX three times to determine my income-based repayment plan. Each time I was given a different amount to pay. They have determined my income-based payments incorrectly each time. I have called several times, over five, and have spoken to supervisors. No one seems to get it. As I have explained, I am a XXXX. My pay rate changes daily and seasonally. Simply sending in my two week pay sub will not give you an accurate account of how much money I make. I do not receive pay checks, it all goes to taxes and then some. Great Lakes seems to think that they can take a number they see on my pay stub and multiply it by 52 weeks and that 's automatically my income for the year, which could n't be more wrong. I have also attached my tax information per the IRS website and still was given an outrageous amount to pay, although I am making basically the same amount I did the previous year. It was raised over {$45.00} dollars. I have been with Great Lakes for over five years and have never had a payment amount this high. I have tried several times to explain this to Great Lakes representatives and each time their solution has been to send in another pay stub. So it could be calculated wrong again? Never in my life have I experienced such ignorance with a loan lending company, and I hope to resolve this issue without taking further action.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PDQ Services, Inc. (FL)

Dear Consumer Finance I am writing a final statement to inform you that I do n't believe I 'm treated fairly. My case with PDQ seems to get thrown out everytime without anyone taking a close look at it. I need a supervisor at both CFPB and PDQ to look over this case along with the account. It is a fraudulent error account on my credit report. I am only left to file a lawsuit against PDQ, XXXX, & XXXX. This is a situation that has been ongoing for a couple years and it seems to get over looked. If no one looks after this case, I am left to file a lawsuit against the two bureaus along with PDQ. This is not a threat, i am fed up and wo n't allow a fraudulent error to remain on my credit report that is n't mine. This case has been looked over and someone needs to take a very close look at it and not allow it to be over looked this time around. If no one looks over this case correctly I will post all the credit bureaus and PDQ on public record if this gets over looked and a positive resolution is n't correct on my credit file. Please investigate this case closely. I sent in certified letters to PDQ, XXXX XXXX & XXXX to review this case and I asked for any documents from each credit bureaus along with PDQ and no one sent me any documents bearing my name or signature. It is very frustrating and embarrassing and comes with great pain to be going through a situation where a fraudulent error is torchuring my life and credit.
Consumer complaint received 2017-08-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Finance Company, LLC (MI)

I paid off a credit card bill several years ago owed to XXXX XXXX XXXX XXXX ( continental fiance ) now anther company has been harassing me and contacting me saying I owe this debt and threatening legal action and saying if I do n't call them back they are going to sue me I told them to send validation of the debt which they are yet to send simply because they are scam artist. They are now calling my place of employment and my cell after telling them not too and that they could only correspond with me through mail and written documentation. As I stated this bill was paid several years ago. A woman has been calling as well as guy pretending to be lawyers
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (NJ)

This company made numerous phone calls to both my work and cell numbers on a daily basis. When voicemails were left by the company, they never specified what the debt was in relation to. In addition, in their voicemails, the first part of the company was inaudible ( as if deliberately done to conceal the full company name ) ; I could only make out " Portfolio '' so I had to do some research on the phone number showing up on my caller ID ( XXXX ). Upon doing a reverse phone number search of XXXX, I was only then able to ascertain the name of the caller as : " Cavalry Portfolio Services. ''
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc (GA)

This company Hunter & Warfield INC. out of Florida contacted me in XXXX via phone and mail. When I received the letter in reference to a debt from another company XXXX XXXX I advised them by certified letter to not contact me and I only deal with the original creditor and I owed their company nothing. Also in that letter I asked for proof of the debt and did they have the right to conduct business in the stat of Georgia. They then sent me an additional letter outside of the 30 days that just had a bunch of numbers on it with just my name on it. They were then sent another certified letter stating that the information that they sent to me was not proof of a debt that I actually owed their company, because I never lived in Florida at any time in my life. After sending them the second letter I never heard from them only to receive a letter saying that I owed their company again, so I again sent them another certified letter demanding them to stop all collection efforts because I signed or have never had any deling with their company and to stop all collection efforts. Upon sending Hunter & Warfield Inc. the last letter I received an alert on my credit monitoring that they had listed this debt on my credit reports XXXX, XXXX, and XXXX XXXX. This illegal act has taken my score down almost 50 points they never validated this debt that I owed them or sent me any viable proof proving that I have business with their company.
Consumer complaint received 2017-08-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Tower Loan of Mississippi, Inc. (MO)

Tower Loans keeps calling me. All phone calls are recorded on the government phone calls. Harassing phone calls at work everyday, on a federal government line. I can be contacted on my cell number at XXXX. Call received on XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX. Threating with wage garnishments.
Consumer complaint received 2017-08-18
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: BARCLAYS BANK DELAWARE (TX)

I received a letter from Barclays on XX/XX/2017 thanking me for choosing Barclays Online Banking. The letter explained that I would enjoy all the great rates and services associated with my new account - Online Savings Account and a Online CD account were opened ; both amounts were {$8000.00} each with a total amount of {$16000.00}. I can provide documents of the letter sent showing my two accounts, account numbers, and the amount funded which included the CD maturity date. These transfers were taken from my private trust account where you can not put money back into the account, you can only disburse or withdraw. As soon as I received the letter I immediately called to verify both accounts as I was placed on hold. The gentleman from the security department was very rude and outrageously sarcastic. The gentleman reiterated to me a false blog information that I have never heard of, nor that I was involved in, or some sort of scam that has been going on, which stayed inter-office where my private trust account is currently located and active. I tried to state the fact that I have documents showing proof that I have been using my account, but everything was one sided. If I knew that this is how Barclay 's conducted business I would have never done business with them. Shortly after I called back and I finally had a chance to talk with a manager who was very rude, and also sarcastic, who even laughed out loud as I explained my account. Barclays in fact not in the customers best interest and not an ounce of due diligence was taken. If my account was not valid, I would have not received a letter congratulating me for doing business with them showing my Online Savings Account and Online CD Account. The authority of the account is mine, and where the funds were drawn from to fund both accounts do exists. Barclays did not notify me of insufficient funds nor did they claim that the account was n't valid.
Consumer complaint received 2016-09-09
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

The CFPB, F.B.I., OCC.HUD, making HOME ADORABLE AND MY CONGRESSMAN US D.O.J. NEED TO REOPEN A CRIMINAL INVESTIGATION AGAIN AGAINST CHOICE LEGAL GROUP IS A COLLECTION AGENCY AND THE LAW NEEDS TO BE AUDIT THE AUDIT WILL REVEAL ALL THE FRAUDULENT DOCUMENTS ACTIVITY GOING ST THIS FORECLOSURE MILL 'S ALL IS FRAUDULENT POA, XXXX ENDORMENTS, NON ORIGINAL PROMESORY NOTE LOOK CASE # XXXX AT XXXX FRAUDULENT DOCUMENTS TO OBTAIN A FAVORABLE ILLEGAL JUDGMENT FOR ALMOST {$140000.00}, THIS FRAUDULENT ACTIVITY
Consumer complaint received 2024-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.
Consumer complaint received 2017-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIFTH THIRD FINANCIAL CORPORATION (MI)

During the payment cycle of XX/XX/XXXX and XX/XX/XXXX Fifth Third Bank posted 30 day delinquent updates on my credit report. These payments were only late due to a technical issue on the Fifth Third website. I 've engaged them back in XX/XX/XXXX and recently to resolve this issue but nobody can seem to fix my inability to make a payment online. If the site was functioning properly I never would have been late. This could be confirmed by looking through logs that show I attempted to make a payment before my due date online but was presented with errors. My other Fifth Third credit card allows me to make payments online but this card in question does n't. It feels like this was done by design, due to these issues my credit took a 150-point hit. I 've tried to dispute these entries with the 3 bureaus but nothing ever comes of it since its hard to prove I tried to make a payment on time but due to technical site issues was unable. To be fair the second late entry, I could have visited a branch but expected the technical issue to be fixed. Since this company can report negative information on my credit I expected all avenues to make a payment on time be enabled and functioning. Im asking that the issue be resolved and negative entries removed. I believe this to be a violation of the fair credit reporting act. Next steps are to file a complaint with my attorney generals office and the BBB if this attempt to resolve goes nowhere. Thanks for your time,
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

The collection agency namely I.Q Data International is  attempting to collect an alleged debt that I do not owe to them. They have also reported it to all 3 credit bureaus. I have never received a notice of my right to dispute. I have never signed a written contract or verbally agree to pay any debt to I. Q Data International. They also have not provided any information showing where I have agreed to pay them for the alleged debt. furthermore, they are illegally attempting to collect a debt from a resident of the state of Texas where it is illegal to do so if you have not obtained a surety bond and filed it with the secretary of State according to section 392.101of the Texas Finance Code.
Consumer complaint received 2017-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (NJ)

This agency is representing a client " XXXX XXXX XXXX '', who is under intense scrutiny for having inaccurate documents on hand concerning debts owed. In fact, I have no knowledge of such account, in fact, this collection agency attempted " XXXX aging '' of the alleged debt to make it appear newer than it actually is. The creditor/collection agency can obtain all account opening documents, including with signatures.
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (FL)

On XXXX XXXX, XXXX, XXXX XXXX XXXX requested that we request validation of his alleged debt with Capital Accounts that appeared on his credit reports with all three major credit bureaus ( XXXX, XXXX, and XXXX ). Capital Accounts failed to validate XXXX XXXX ' alleged debt.
Consumer complaint received 2017-08-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (GA)

I have been a customer of XXXX for many years, with consistent on-time payments for the duration of my relationship with them. While continuing to make regular monthly payments for my internet and television service, I received a collection notice for {$59.00}. At no point did I receive a billing statement for this amount from XXXX and several attempts to obtain a billing statement from the company after receiving the collection notice ( my first contact about this amount due ) were fruitless. XXXX representatives repeatedly told me I had to find out from the collection agency, while representatives from the collection agency were referring me back to XXXX. To this point ( XXXX XXXX ), I have been unable to get a billing statement outlining what this amount is for and I have not been provided an opportunity to challenge this collection.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

My Experian credit report indicates the balance for my XXXX XXXX XXXX credit card as being {$2200.00} when it is actually {$590.00}. It has been over 45 days since my balance was updated and it has taken up to 60-70 days for it to be updated in the past. If the correct balance was on my Experian report it could mean an upward jump of 45 points on my credit report ( my XXXX and XXXX numbers are 45 points higher on correct data ). I have disputed this in the past with Experian and it has not been resolved. So, I attempt to dispute it again and they tell me pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act that they will not process my dispute. Their online dispute process indicates that if I upload additional information that is relevant, they will give it another look. However, their online program will not allow me to upload a single scanned page .pdf file ( file size too big ) for them to consider. As such I have attempted their online dispute with no luck and sent a letter and additional information in the mail with no luck. Considering my actual credit usage is heavily weighted in my credit score, I would like it to be accurate and updated in a timely manner.
Consumer complaint received 2016-09-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I have a student loan that is in forbearance with XXXX XXXX. I spoke with my Personal financial Consultant on this matter XXXX XXXX XXXX ask me to get a letter from XXXX XXXX with my student loans showing they are in forbearance. I like to address the issue of TransUnion dropping my credit score while my student loans are in forbearance. Without addressing to me why they dropped my credit score. On a student loan you can have decrease in the amount owed but my scores should have moved up not down. Also, a credit decrease happen on the limit amount but this is a student loan that does n't have a limit amount. Because I was not given a limit on the student loan it is what I borrowed. I would like to provide you the information that my loans are in forbearance.
Consumer complaint received 2017-08-18
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY (CA)

To whom this may concern, Please have this information brought directly to the attention of incoming Wells Fargo & Company XXXX XXXX XXXX, CFPB XXXX XXXX XXXX, and other federal and state regulators. Within the attached PDF is information that sheds light on yet another Wells Fargo & Company 's illegal corporate sales and business practices that have caused enormous damage to thousands of consumers around the nation. Put bluntly, Wells Fargo & Company has submitted and maintained hundreds of thousands known to be false and clearly fake information records on consumers and these false records have negatively impacted consumers ability to open a bank account, obtain financial services, etc. What is worse, when Wells Fargo & Company was confronted with these issues, they refused to address them and threatened to sue and harass those who have attempted to bring these concerns to the attention of Wells Fargo & Company and regulators. Please promptly review this information and ensure that Wells Fargo & Company 's XXXX XXXX XXXX XXXX is informed of these problems and take action to resolve the problems and properly disclose the problems to investors.
Consumer complaint received 2017-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (MI)

Pursuant to FRCA 623 ( a ) ( 6 ) ( B ), if a consumer notifies you that a debt has resulted from identity theft, the creditor may not furnish information to a credit reporting agency regarding the fraudulent account. I sent a copy of the identity theft report ( attached ) to PNC Bank. PNC Bank is still reporting this account that was a result of identity theft to XXXX. In addition, I received a letter from PNC Bank which I forwarded to XXXX which indicates that PNC was unable to locate any active or previous loan under my name ( attached ). Neither XXXX nor XXXX were able to verify this debt and deleted this account from my record. It is the responsibility of the creditor reporting the information to update the change with every credit reporting agency to which it reported the information.
Consumer complaint received 2017-08-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (CA)

On XX/XX/XXXX my son went to CVS to wire {$250.00} to me. He went to the Kiosk machine and put the correct information where the money was going, my full name city and state. He then put his information. He was then instructed by the machine to go ahead to the cashier. Upon going to the cashier telling her what he was doing, she then called him by name and asked for his identification and funds, he gave her both, she then gave him a receipt, he left contacted me with the reference number, however I did n't go that day I went on the XX/XX/XXXX which is when I found out the money was n't there. I called my son and told him to go back to CVS he did, the cashier was n't at work he asked for the supervisor all while I 'm on the phone and explained what happened. The supervisor said it 's nothing he can do. So I called CVS on XX/XX/XXXX found out the supervisor name and the cashier name and explained it to the supervisor. He then told me she had been suspended for her mistake and that if it was $ 10- {$20.00} he would 've just written her up, but that a {$250.00} mistake was unacceptable, but that he nor CVS can refund me my money because they are a third party and that I 'd have to contact Money gram. He notice the mistake and admitted the cashier was wrong. And that somehow a another customer was in there earlier sending a money gram and that the cashier pulled his information. This customer lives in the same city, state and have the same zip code and the same first name as my son and lives about a mile away from us. My money was sent to XXXX. I contacted Moneygram and was given the run around for days, then was given almost 10 different numbers and people to contact at no prevail. Please help me it 's been a year. I 'm hurt and devastated about how this company has treated me so unfairly.
Consumer complaint received 2017-08-17
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)

XXXX incorrectly reported late payments on my account although it was in forbearance. In fact, the Consumer Financial Protection Bureau is in the process of suing XXXX as they have done this to other borrowers. Unfortunately, all three ( 3 ) credit bureaus are reflecting the incorrect late payments.