davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK (CA)

Discover Personal Loans,  XXXX   XXXX   XXXX   XXXX   XXXX  Ut  XXXX .  Discover  Reports to  XXXX ,  XXXX , and  XXXX  that an account Opened in  XXXX  which was included in Bankruptcy discharge as of  XXXX   XXXX  Has been reported as Recently closed and negative as of  XXXX   XXXX . This account was closed no later than  XXXX   XXXX  in which bankruptcy w as discharged. Discover has be en reporting since  XXXX   XXXX  showing recent status of delinquent account. There is no recent bankruptcy in  XXXX  as discover is reporting with this account.
Consumer complaint received 2017-05-31
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (FL)

On XX/XX/XXXX2017 I filed a dispute with Western Union Netspend Prepaid Card company, regarding unauthorized charges, totaling {$320.00}, on my account. There were multiple charges. I sent a letter of dispute to the card company and after 10 days, they issued a provisional line of credit for the amount of the dispute. On XX/XX/XXXX2017 I received a notice from the company stating that {$200.00} of the dispute were found to be valid charges. The notice stated that my account would be charged for the provisional line of credit. The remainder of the charges ( {$110.00} ) were found to be unauthorized and the line of credit is made permanent. I am enclosing pictures of my letter of dispute as well as the notices I received. None of these charges were made or authorized by me. XXXX of the charges that was found to be unauthorized was made to the same merchant on the same date as the charge that was found to be authorized. I have contacted my card company concerning the results of their investigation and the representative insisted that the charge was valid and that the investigation is closed and ca n't be reopened. The representative informed me there is nothing else I can do. I then requested the account be closed, which they obliged. I do not want to be charged for purchases that I did not make or authorize.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (PA)

TD Bank has reported a late payment made on a credit card which is incorrect I requested to close the account and I was advised the account would be close immediately. This was false and I was still being billed for an active account I called multiple times to close the account in which TD bank has issued credits for late payment charges due to their error. Once he account was finally closed they reported me for making late payments  on an account that was n't closed due to their service issues. TD bank has acknowledged this information as incorrect and has filed a dispute to fix the error but due to multiple managers involved the dispute was submitted with incorrect information and the dispute was denied. I have been dealing with resolving this issue for over a year and my credit has been impacted negatively because of it.
Consumer complaint received 2017-05-31
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: EQUIFAX, INC. (FL)

On XXXX XXXX, 2017, I filed a dispute with Equifax ( XXXX ) in regards to my credit inquiries. I submitted my police report ( XXXX ), and they are refusing to remove the inquiries I did not authorized. They are repeatedly telling me to contact the creditor, and when I call the creditor they tell me they have no record of my name in their database. I spoke to someone from Equifax fraud department on X/XX/2017.
Consumer complaint received 2017-05-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

I filed a complete loan modification application on XX/XX/XXXX. Following that, the bank filed a Praecipe for sale on XX/XX/XXXX. At around the same time, SPS informed me that I needed additional 'Required Information ' in order to review my account for a loan modification. Around XX/XX/XXXX, I learned that a foreclosure sale had been set forXX/XX/XXXX. I filed with SPS all of the " Required Information ' on  XX/XX/XXXX, which was 39 days prior to the sale date of XX/XX/XXXX. As a result of having a complete application, and the updated 'Required Information ', SPS should have taken steps to stop the sale pursuant to federal law. However, what has been happening instead is almost everyday since XX/XX/XXXX, SPS has come up with a new piece of 'Required Information ' that they then tell me will take 4-5 days to evaluate after I submit that newly-required information. If there was new information required, it could have and SHOULD have been given to me all at once so that the whole process could have been completed within a week. And by 'whole process ', I mean the process of establishing what, if anything, was still missing. Instead, it 's been nearly three weeks since I submitted a complete application, and SPS still ca n't tell me if they have everything. At the same time, they 've refused to stop the sale. This appears to be a deliberate attempt to inflict emotional distress, and to that extent, its clearly working. I 'm confident that when I call back later this week that they 'll find something else new, and another 4-5 days will be added to the ongoing agony of having the sale date hung over my head like a sledgehammer. It 's truly unconscionable. In addition, I have repeatedly asked SPS to 'Cease and Desist ' any and all collection activities on this account since they have failed to properly Validate the Debt per two letters I sent them via certified mail. Instead, they simply respond that they we '' Cease and Desist COMMUNICATION with me, but they are still moving forward with collection ( IE foreclosure sale ) of a non-validated debt, in clear violation of federal law.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (OK)

In  XXXX   XXXX  I gave verbal notice that I  would need to move to a smaller apartment, I was approved for a 1bedroom and I was living in a two be droom. In  XXXX  I gave written notice that I would be moving at the end of my current lease (  XXXX / XXXX / XXXX  ). On  XXXX   XXXX , I received a  24hr notice  on my door. I moved out, leaving the apartment clean and empty. Because the office was closed, I returned the keys in the mail drop, the office staff was in  XXXX   XXXX . I was having financial trouble and was behind on my rent. I was able to pay all but  XXXX  before I left. My deposits of  XXXX  were returned to account.   After I left I received a bill stating that I was still on a lease that had 8 months to go and that there were other charges as well including lawyer fees. I proved the lease was up and that I had notified them in writing properly before leaving. The 8 months were removed but the other fees remained. I have the lease and the customer accounting sheet showing payments and charges.   The original company was sold for bad management and all staff fired but the collection company refuses to correct it. I have been trying to get this removed since that time.
Consumer complaint received 2024-10-25
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, LA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$14000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
Please reinvestigate this matter and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 

XXXX XXXX
Consumer complaint received 2017-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (NY)

I am writing today hoping you can help me, or at least let me know if there is anything that can be done. I live in New York. I applied online for a loan on Thursday,XX/XX/XXXX, and received an email from " XXXX XXXX '' of " XXXX XXXX XXXX '' stating I was approved. I called the phone number, which is listed as an XXXX TX number ( XXXX ). I spoke to XXXX XXXX and gave him my banking information so that his company could do transfer of a " verification amount '' to my account. I was told not to access my account, as I would invalidate the entire process. XXXX XXXX called me on Friday,XX/XX/XXXX and told me the money was there. He then said I had to return the money back to him via XXXX XXXX and once it was done I 'd be receiving the loan amount of {$2000.00}. When the XXXX XXXX  transactions would n't go through, he had me go to XXXX and purchase {$2300.00} in XXXX gift cards ( 23 cards at {$100.00} each ). After I photographed them and sent the codes to him via email I expressed my unwillingness to continue with the transaction. XXXX XXXX became irate, telling me if I did n't finish the transactions that he would contact my bank to close my account, and would also call the authorities to report that I had stolen the funds from them. On Saturday,XX/XX/XXXX I arrived at my bank at XXXX XXXX. I spoke with a personal client banker, told them I believed I was the victim of a scam. When he logged into my account it was discovered that this person/company put several claims into my bank to reverse several overdraft fees, as well as to reverse a {$3800.00} payment I made to my homeowner 's association onXX/XX/XXXX. The payment cleared and was in my homeowner 's association bank account on XX/XX/XXXX. Chase Bank reversed this payment, without verifying its validity with me via text or email. My Chase account is locked, I have no access to funds, my ATM card is restricted. I have no money. The homeowner 's association is demanding the payment be resent to them in its entirety or they will take legal action against me. Chase Bank and everyone else I am dealing with are treating me as the criminal, not the victim. I 've filed reports with the my local authorities, IRS, FTC, Better Business Bureau, Chase Bank, the " real '' company XXXX XXXX XXXX. No one is willing to help me.
Consumer complaint received 2017-05-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

I contacted  XXXX   XXXX    XXXX   about an account that was on my credit report that was n't opened by me! They sent me a letter stating that they would remove the closed,  XXXX  'd out account from my reports. I keep being contacted  by Midland Funding abo ut this account that they purchased for pennies on the dollar. Again this is NOT MY DEBT! If the original creditor removed it from my reports, SO SHOULD MIDLAND!
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams, Rush & Associates, LLC (TX)

Please be advised that I am disputing this collection due to the fact that  Williams Rush & Associates   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  does not currently have a valid license in Texas to collect on Debts. I searched the Texas  Secretary of State Web  sites (    XXXX   XXXX   XXXX    ) d ebt collector search and was unable to locate a bond on file.   since I was unable to pull up the information online I called  X/XX/ 17   to confirm if in fact they were bonded in Texas to collect debts and was informed by the Lady on the phone that they collect in all  XXXX  states but she was unable to provide a bond number for Texas or even in fact confirmed that they are even bonded.
Consumer complaint received 2017-05-31
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. (MO)

I am filing this complaint against Equifax Credit Bureau. I am a victim of identity theft. I filed a police report and submitted it to the company. In addition to filing the police report I submitted an online, and over the phone dispute regarding the fraudulent accounts listed on my report. These accounts need to be removed immediately. The following accounts that I am requesting to be removed are the following :   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
Consumer complaint received 2017-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (RI)

CITIZENSBK  XXXX   XXXX   XXXX    XXXX    XXXX , CT  XXXX  (  XXXX  )  XXXX   XXXX / XXXX /  XXXX   This inquir y was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Consumer complaint received 2024-11-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to dispute inaccurate information reported on my credit file. The false reporting of this information constitutes libel, as it damages my reputation and creditworthiness. Please investigate and correct these errors immediately to avoid further harm.
Consumer complaint received 2017-05-31
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MO)

Fair Col lections & Out. Acct.  XXXX . {$21000.00}.   I have no idea who this is, what this is, and ca n'  t IMAGINE who I could possibly owe this much money too!
I sent a letter to the credit bureaus asking them to verify the debt. I did n't receive a response, and now I do n't know what to do! Please help me.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

I am writing to dispute  XXXX   XXXX  and  XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.
Consumer complaint received 2017-05-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

EXHIBIT  XXXX  - herein annexed.   Personal information, page   XXXX  of  XXXX   of  XXXX  credit report number  XXXX , Dated    XXXX   XXXX   XXXX      showing  XXXX   XXXX   address with  an Address identification number  XXXX  linked to   XXXX   XXXX   with the same address identification.  <P/> On    XXXX   XXXX   XXXX     ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any  XXXX   XXXX   address i n their records, therefore, they can not report such  XXXX   XXXX   to  anyone.  <P/> As a result, this  XXXX   XXXX  address must be removed from ALL credit reporting agencies.  <P/><P/><P/> EXHIBIT  XXXX  - herein annexed.   Account  in good standing page   XXXX   of  XXXX  showing   XXXX   XXXX   with the same Addres s identification number  XXXX  that establishes a link between  XXXX   XXXX   address  and this credit  grantor,     XXXX   XXXX    <P/> On   XXXX   XXXX   XXXX    ,  XXXX  credit card representative and that persons supervisor,  XXXX , denied any   XXXX   XXXX    address  in their records, therefore, they can not report such  XXXX   XXXX   to  anyone.  <P/> As a result, this  XXXX   XXXX   address  must be removed from ALL credit reporting agencies.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Neon Newco Corporation (FL)

Hello, You helped me obtain a refund from  Netspend for {$14.00}. Unfortunately, their check bounced. I was charged a {$12.00} fee by my bank. This  unusable card has now cost me {$26.00}.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (MA)

I received two collection notices from Credit Collection Services regarding two debts to XXXX XXXX XXXX. The issue is that I cancelled my XXXX XXXX insurance at the end of XX/XX/XXXX and my account was in good standing. It seems they never cancelled my account for XX/XX/XXXXand instead turned it over to collections without contacting me, and collections in turn waited 2 years before contacting me. Upon receiving the initial notices, I requested a debt validation, and the only validation I received was a letter stating " we contacted your creditor and confirmed your placement data '' which does not seem very validating as I distrust the legitimacy of this debt to begin with. I do not know how to refute this, as the collectors correspondence does not include information on how to, but I would very much like to.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (IN)

After receiving a letter from IC System on  XXXX   XXXX ,  2017  of the alleged amount of {$51.0 0} ( see attachment # 1 ). I se nt out a dispute letter asking them to verify debt owings on  XXXX   XXXX ,  2017  ( see attachme nt # 2 ). I have y et to hear back from this company nor do i believe that they posses my original instrument of indebtedness in its original form.
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capita l One Closed my accou nt and started reporting negative credit information on me. All of this was done while they were telling me to pay the card. They charge me an exorbitant amount of fees that I disagreed with because they mailed invoices and notices to incorrect address but penalized me for there mistake. Moreover, their fees pushed my card over the limit repeatedly. Additionally they made me personally responsible for the card when it was a corporate card. Thereby, causing great harm to my credit profile, causing it to drop more than  XXXX  points.
Consumer complaint received 2017-05-30
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

Loan information for :  XXXX   XXXX   School  :  SCHOOL CODE FOR CONSOLIDATION LO ANS Enrollment Status : WITHDRAWN as of   XX/XX/XXXX   Loan Type :  FFEL CONSOLIDATED Loan Period Be gin Date : Loan Period End Date : Total Borrowed : {$42000.00} Outstanding Principal as of   XX/XX/XXXX   : {$200000.00} Outstanding Interest as of   XX/XX/XXXX   : {$690.00} Interest Rat e : 9.00 % Loan   Disbursement Date Disbursement Amount   XX/XX/XXXX   {$42000.00} The above is my issue. I have never made enough money to afford to live and repay my student loans. The loan has ruined my life. I can not get a loan and m y credit score i s low because of the large outstanding balance which has been increase t imes 6. At the  time that I borrowed, the interest rate was n ot 9 %. I will  never be able to repay this loan in my lifetime. Can you please help me to negotiate with the loan complany?
Consumer complaint received 2017-05-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (AZ)

A few days ago I noticed that our account is being charged something called " Card Security Fee, '' which I never signed up for and never authorized. When I called Synchrony to have them refund the fees, I was told to call the " Card Security Customer Care Center. '' I called the number I was given and spoke with  XXXX . I explained my situation and also mentioned that I was taping the call. She said she could not talk to me because I was taping the call and hung up.  <P/> Additionally, I have been charged interest on top of the bogus  Security Fee.
Consumer complaint received 2017-05-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cottonwood Financial Ltd. (IL)

I received a letter from the original creditor on  XXXX  of    2016  with all documents stamped as paid  XXXX   XXXX   2016 . I had gotten the occasional call about the debt and explained it was paid and faxed the papers to a company did n't hear from them again. Now I constantly get phone calls from  XXXX   XXXX  saying it 's not paid. One person gave me their email so I sent the email to them with pictures of the documents. I received another call today told them I already gave it to them, I had to call back because he hung up on me when he called me which is what happens every time they call me. He told me he reported it to the credit bureaus then read off my SSN and told me multiple times " your credit is destroyed now ''.
Consumer complaint received 2017-05-30
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have submitted a copy of the returned letter to all  XXXX  Credit Bureaus via certified mail on  XXXX   XXXX ,  XXXX  ; regarding an incorrect address to a creditor named  XXXX , opened on  XXXX   XXXX ,  XXXX , asking for immediate removal due to invalid information on my credit report.