davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-06
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: HW Holding, Inc (MN)

To Whom It May Concern : This letter is regarding account # which you claim [ insert a derogatory condition here, such as I owe XXXX or my account was charged off {$1900.00} ]. 
This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AR)

On XX/XX/2018 I purchased a mattress from the local JC Penney store. Along with the mattress I purchased a foundation ( which the sales person said I needed ) and paid the {$25.00} fee for the delivery person to haul off our old mattress. I paid for everything with my JC Penney card. 

After going home & looking at our bed I realized we did not need the foundation. When the delivery company, XXXX XXXX XXXX, called to schedule the delivery I asked if we could refuse delivery on the foundation & the company representative assured me that would be fine. 

XXXX, XXXX brought the mattress the morning of XX/XX/2018. A man named XXXX XXXX signed the delivery receipt. On it, he made note that we accepted the mattress but did not make a note about us refusing the foundation. He did circle the ID # for the mattress and wrote Accepted Mattress. The handwriting is difficult to read but the word accepted is readable. My husband signed the receipt accepting the mattress. We were assured by Mr. XXXX that refusing the foundation was fine, and that our money would be refunded. 

In XX/XX/XXXX I received a statement from Penneys, which included the cost of the foundation, {$130.00}. I paid the cost of the mattress, {$1400.00}, in full. However, I filled a dispute with the company re : the cost of the foundation, which we did not accept. I called Penneys customer service line to do this and was assured it would not be a problem. I was told this happens all the time because the delivery person fails to notify anyone of the refusal. He said the foundation was probably sitting in a warehouse somewhere & just needs to be tracked down. 

In the last correspondence I received dated XX/XX/18, I was told my complaint had been denied and was informed that this incident would be reported to the credit bureau 's listed in the letter if I did not pay the bill. 

I will attach all correspondence between Synchrony Bank & me  regarding this matter. Synchrony Bank handles all the credit card accounts for JC Penney. 

XXXX, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX Synchrony Bank XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-11-20
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (KY)

I graduated in XXXX with a substantial amount of debt. I immediately enlisted in the military with hopes for additional repayment options, etc. I utilized the SCRA to help while XXXX XXXX, however AES/PHEAA/XXXX immediately began their scare tactics upon my discharge. 

The first straw was in XXXX when the co-borrow called to make a payment on a past due loan that was through XXXX XXXX XXXX. They took the money, allocated wherever they wanted, neglecting the loan that actually needed to be paid. It defaulted. Once questioned as to why it wasn't sent to the right accounts, the response was " he didn't say he wanted it all allocated there ''. COMMON SENSE SAYS TO PUT IT WHERE IT NEEDS TO BE- NOT WHERE IT ISN'T NEEDED. They conducted an " internal investigation '', claiming they listened to the recordings and were not at fault. Yeah, right. I told them about his age ( and why he doesn't do online payments ) and they said- " maybe he was just confused ''. DISGUSTING! My father ended up using his entire savings to cover this loan once it was in default/collection. 

I have called countless times to make other payment arrangements, only to be told by one representative I had such and such options and getting my hopes up. But then I get notice that my loans are 90+ days past due and my good faith payments were for nothing. I then call back and get a representative saying things such as " I don't know why the last person would have told you that '' and escalating me to a " supervisor '' who said that things just haven't processed to reflect the amount owed. A week later, I see I'm 103 days past due. I call back yet again to be told : " you used all the options available ''. 

In short, I want to pay! I just can't pay the amount they want. I can't get a consolidation loan somewhere else because XXXX/AES has ruined my credit beyond belief. I'm to the point that I ask myself why pay at all? If what I can give isn't good enough, I may as well keep the money in my pocket to pay my rent and eat. 

The original cosigner for the loans is now XXXX and living on Social Security. WHY are options for repayment so limited? I'd sell a kidney just to be able to move my loans to another servicing company with actual legitimate repayment terms. They have done nothing short of ruining my credit and quality of life.
Consumer complaint received 2018-11-06
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. (GA)

This is in regards to 2 accounts that I have with XXXX XXXX. One account is XXXX XXXX and the other is XXXX. In XXXX, I received several notifications from my credit monitoring service that my credit score had dropped and to verify the status of my XXXX XXXX and XXXX cards with XXXX XXXX. Not long after this I received another notification that my score had again dropped because my utilization on my XXXX XXXX   account was now over 90 % of the limit which was also inaccurate because the balance was only {$140.00} on a limit of {$250.00}. I immediately contacted XXXX in regards to both accounts. I was informed that neither account was closed they were only frozen for 90 days due to returned payments. I was also told that XXXX XXXX lowered my credit limit on my XXXX XXXX  account from {$250.00} to {$150.00} due to a decline in my credit score. But the decline is due to the inaccurate reporting of closed accounts that are not actually closed. 
I am aware of the returned payments which were due to fraudulent activity on my bank account and my bank put a freeze on my account of all activity while they investigated. I have also emailed XXXX in regards to these impacting changes. I can prove what the scores where prior to and after the mentioned changes made by XXXX.
Consumer complaint received 2018-11-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Financial Management Solutions, LLC (MD)

My name is XXXX XXXX I used to live at XXXX XXXX XXXX XXXX XXXX XXXX, md XX/XX/XXXX, XX/XX/XXXX I moved out on XX/XX/XXXX to live with my family after this time I went to rent my own apartment because I got married, they declined my application because I have report from financial management solutions phone number # XXXX/XXXX, I called them and I asked them to give me explanation why I owe XXXX the representative he is name gamble if am not spilling wrong he said you didn't pay rent for month of XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX, I told him if I have approve I payed for this months, he said doesn't mean you have receipt show the month that mean you payed for the same month may be you payed for month before, i told him what I know when you rent appartment you on advance for the month or you going to move out by XXXX or XXXX by court order he said they didn't have enough time to get court order I told since XX/XX/XXXX to XX/XX/XXXX the time I give note of leaving 4 month they didn't have time to file this dose n't make since to me, and I asked him for payments history report he asked me for mail address I said I don't have one but I have e mail you can send through my email he said he didn't have time to send 15 sheets by email .all through this conversation he try send me message like you have only one option just pay that money
Consumer complaint received 2018-11-05
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. (NC)

My XXXX credit report # XXXX dated XX/XX/XXXX shows that XXXX XXXX XXXX XXXX /XXXX  ( original acct owner ) is reporting a charge card account with a date opened of XX/XX/XXXX. The balance they have listed is {$1300.00} ( updated on XX/XX/XXXX after I disputed an inaccurate balance history based on what the report itself states ) and the highest balance shows {$1400.00} with a recent payment amount of {$140.00} on XX/XX/XXXX which they reported under " Balance History '' dated XX/XX/XXXX. There is also a balance history for XX/XX/XXXX which strangely enough lists {$0.00} Paid on XX/XX/XXXX. IF a payment of {$140.00} was made on this acct on XX/XX/XXXX, why wouldn't it be listed on the balance history occurring in XX/XX/XXXX? Why would it only appear in the later date of the XXXX XXXX balance history? Also, under " Payment History '' in the year of XXXX in XXXX this acct lists 120 days late. How can this acct be 120 days late in XX/XX/XXXX AND a payment made on XX/XX/XXXX? It appears the dates, balance, and payment information may not be accurate.The major issue with this account is that XXXX is an original creditor who has, apparently, sold this account ( attached copy of letter from collection agency named XXXX   who bought the acct around XX/XX/XXXX ) and continues to report each month with a balance due of {$1300.00}. If XXXX does not OWN this debt then this is inaccurate and in violation of reporting guidelines. I have disputed this listing and can not seem to get the credit reporting bureau to do anything more than say they investigated it. Otherwise, they would have seen the inaccuracies and requested verification from the original creditor. I request that XXXX verify the information they have listed for this acct and prove they still own this account because I have a letter from a collection agency stating XXXX sold the acct to them.
Consumer complaint received 2018-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditor's Collection Service, Inc. (VA)

XXXX XXXX XXXX, FROM XXXX. XXXX   XXXX, XXXX VA. XXXX, TEL. ( XXXX ) XXXX, PUT IN MY CREDIT FILES A DEBT COLLECTION FOR {$50.00} FROM THE CREDITOR " XXXX XXXX  ''. THIS AMOUNT WAS PAID IN FULL ( SEE THE ATTACHED COPY ). THIS IS THE SECOND TIME THAT THIS SITUATION HAPPEN, ALSO I SEND COPY OF THE HOSPITAL TO THE RADIOLOGIST OFFICE : AT XXXX. XXXX XXXX XXXX, OH.XXXX, TEL. ( XXXX ) XXXX, TO TRY STOP THIS SITUATION I CALL TODAY XX/XX/2018, TO THE COLL. AGENCY AND THEY TOLD ME THAT THEY SEND A COPY OF THE LETTER TO THEM BUT THEY DONT RESPONSE BACK. AND UNTIL THEY DONT RESPONE, THEY DONT DO NOTHING.
Consumer complaint received 2018-11-20
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: EQUIFAX, INC. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

The Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

The unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the Event of your first if you state the following accounts verified & that these items are being reported correctly Who verified these accounts? You have Must provide me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2022-07-26
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. (IL)

i was a victim of idenity theft. i have XXXX accounts on my credit report that i didnt realize was on my credit that are fraudulent 1. XXXX XXXX  -date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 2.XXXX XXXX XXXX- date fraud began XXXX date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response 3XXXX XXXX XXXX XXXX  -date fraud began XX/XX/XXXX - date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response XXXXXXXX XXXX XXXX -date fraud began XX/XX/XXXX -date discovered XX/XX/XXXX amount XXXX action taken by company was to report it on my credit. we tried to call the company and got no response
Consumer complaint received 2018-11-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Neon Newco Corporation (FL)

I purchased a netSpend VISA card for {$350.00} from a local store to use for a single online purchase for a merchant who doesn't take XXXX. Tried to activate it and was told they wanted more information, including photos of my driver 's license and a utility bill to be sent over unsecure email connection to XXXX or XXXX somewhere ... I did that, grudgingly, after they said the card was unusable unless I did. None of these requirements were listed on the external packaging, but were apparent only AFTER purchase. A few hours later, they demanded a photo of my original social security card ( they'd already asked for the number, which I provided ). When I got suspicious and wary of sending those items online in what was starting to look like an identity theft attempt, they refused to activate the card and told me I'd have to return to the store for a refund. I contacted the store who said that netSpend was lying, that they could not do refunds on the cards and netSpend knows this, and it is even printed on the receipt. I relayed this to netSpend who then said they could activate the card for in-person purchases only ( which defeated the ENTIRE purpose of purchasing the card and made it useless ) or I could pay them another {$5.00} and they might return my money in 10-20 days. I told them to close the account and return my money ... which I will probably never see. I then looked at the XXXX ratings and realized I'm the latest of a long list of people who have had their money taken with no recourse. Something needs to be done about netSpend and the stores who sell them.
Consumer complaint received 2018-11-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (TN)

I've verified my information multiple times - but they are restricting my money and not letting me access my acount or funds. It has been ongoing for 3 weeks now. 

They also will not give me an explanation of why they have restricted my account.
Consumer complaint received 2018-11-06
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: WELLS FARGO & COMPANY (VA)

This involves actions by Wells Fargo in servicing our XXXX Home Equity Line of Credit. Since changing the account statement in XX/XX/XXXX, we've been unable to understand the actions vs account statement. Why did we keep owing back interest when from day 1 on XXXX XXXX, EVERY payment was in excess of the interest due and 95 % of our statement had a payment due of XXXX and that included back interest. See the bottom of page 1 of the Agreement. So back interest wasn't due. 

Attached are XXXX account and responses from Wells Fargo which you will find are conflicting, misleading and some parts are false and do not even apply to my account. The lack of full disclosure and Transparency is seen in the recent version of the transaction history provided Wells Fargo revealed fees that were hidden in the previous spreadsheets received from other Wells Fargo staff. 

Since Wells Fargo is unable to reply with a consistent answer is clear.
Consumer complaint received 2018-11-06
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. (CA)

I have disputed an inaccurate account on my credit report from XXXX XXXX XXXX. They are reporting absolute false info, by stating reporting that I had an installment account with them, even showing 36 on time payments thru XX/XX/XXXX, then defaulting to a charge off status after that. There has NEVER been an installment account with them. I even confirmed this by phone with XXXX XXXX  XXXX, and supposedly XXXX with XXXX documented such facts so that it would be reported when disputed. This account was an " overpayment '' of a Pell Grant given to me in XX/XX/XXXX when I was attending XXXX XXXX. Then billed me for overpayment of {$180.00} for 120 days, before turning it over XXXX XXXX XXXX to collect. I have disputed this on THREE separate occasions with both Experian and XXXX, demanding they do their job and investigate this false reporting, however, XXXX XXXX  XXXX continues to " verify information as correct, '' and the Credit Bureau continues to accept such false verification without the documentation I have requested validating the accuracy of the account. They have continuously violated the FCRA sections 611 and 623. I filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and complaint was closed advising me to deal with XXXX XXXX XXXX regarding issue. Clearly it wasn't noted that I had already made several attempts to do that, hence my seeking help from them for a resolution. Therefore, I have sent it to the CFPB Ombudsman for second review. I was advised to file separate complaints for each credit bureau.
Consumer complaint received 2018-11-20
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. (TX)

I am a victim of identity theft. The fraudulent activity was investigated by law enforcement and was validated as identity theft/fraud. A XXXX XXXX XXXX account was first reported on my credit report on XX/XX/XXXX. I have submitted my police report repeatedly to Experian, and also to XXXX XXXX XXXX   proving that this account does not belong to me. Experian and XXXX XXXX XXXX  has repeatedly validated this account as belonging to me even with proof that it does not. Experian and XXXX XXXX XXXX recently updated this XXXX XXXX XXXX   account to my credit profile on XX/XX/XXXX as having a recent late payment when the account previously reported that it was charged off for the last four years. This is fraudulent reporting within itself. I am requesting that Experian remove this XXXX XXXX XXXX  account from my credit profile, as it does not belong to me. I am also requesting that the recently updated late payment be removed from my credit profile.
Consumer complaint received 2018-11-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

There are several inaccurate statements regarding my personal information on my Experian credit report. I tried to dispute these online, but their system tells me that the issues can not be addressed online, and gives me a telephone number to call. I called that number, and none of the " robo '' options address personal information, and there is no way to get a human being on the line. In short, they are reporting incorrect information and giving me no way to dispute it.