davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-10-30
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CO)

So on XX/XX/2022 my bank account was charged {$30.00} on a supposed XXXX to Fortiva. AS per my previous complaints I paid off this credit card... they claimed payments were reversed by my bank which they were not. Previous to this date I had pulled my permission to charge my account for any reason via a telephone call on at least two occasions in the previous week... .I was told my account was closed over a year previous after I had made payments again totalling approx {$380.00} thus having made these payments twice. Now over a year later they are claiming these same payments were reversed again.. I'm not playing this game anymore!. So on XX/XX/2022 I get a letter seemingly to appear an account was opened in my name by this company to start charging again late fees and interest... this again was without my consent ... .I paid off this account ... funny how I am 100 % on time for every other bill and credit card I have except these people... I demand an investigation of their computer system I believe it's buggy and faulty. I am not the only person who has had this issue with their app and card... read the reviews
Consumer complaint received 2024-02-01
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: SYNCHRONY FINANCIAL (FL)

I am trying to open a venmo card, I received a rejection letter stating Request has identity theft risk factors. I'm not even sure what that means. I have called synchrony bank, they transferred me to venmo. Venmo transferred me to pay pal. And I called multiple times and I am making this complaint to escalate. My credit score is pretty high. 

The referene number for the mail is XXXX
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (VA)

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

Please remove these addresses from my credit report as I have never lived there. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (AR)

The loan servicing company, XXXX, sent documents saying that the amount due as of XX/XX/XXXX, I owed over {$180000.00} dollars and the loan was being transferred to another servicing company, Rushmore Loan Servicing. My initial purchase was for {$150000.00} in XX/XX/XXXX and I paid the mortgage timely until I needed help in XXXX, when I was unemployed and went to HUD for help. My amount due should not have went UP {$30000.00}, when I had been paying on the loan for nearly 6 years before my unemployment event. I believe I'm being taken advantage of and it has been laundered through XXXX and now Rushmore. I'm asking for an audit of how the amount due jumped {$30000.00} from my original loan amount, in spite of the fact that I was paying over {$1500.00} per month on a fixed rate mortgage for the first nearly 6 years.
Consumer complaint received 2023-12-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WV)

There is information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : 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 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 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 2022-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (HI)

I filed two complaints against AMEX for failure to comply with basic standards in customer service and the multiple promises AMEX mangers made to address miscalculations from a fraud claim in they own stamens ( when I for years was on an auto payment for the entire balance of my account ) and AMEX essentially ripped me off. 
They have been rude, dismissive, hung up on me, insulted me, promised me to 'recalculate the problem ;, and then never followed through. 

Now that they know Ive filled with the CFPB, my XXXX AMEX points have been locked away... 

This is beyond unprofessional. Please help. These individuals are ridiculous, can't seem to manage their own complaints internally ( I've been called 4 times at XXXX XXXX and repeatedly forced to verify my time zone ... yet then the members still don't SEE I LIVE IN HAWAII,,, meaning they didn't update my file to reflect the home and billing address time zone, just wasted my time ). 

This week, I waited on hold for an hour for a manager. I was promised XXXX, who left me a voicemail the day before, would call back. He never called back. The next representative XXXX reminded me what a useless consumer I am in derogatory comments and waiting on hold an additional 20 minutes... 

I want some justice here. I want my points worth over {$1000.00}, much less an apology and their correction to months of toxic neglect, threatening emails and text messages, when AMEX SCREWED UP THE REFUND!!! 

On XX/XX/XXXX, XXXX, an AMEX manager admitted over a long conversation the statement in question was wrong and promised to correct it. THAT NEVER HAPPENDED, instead UI 've been threatened and harassed more. 

So, complaint # XXXX, Please, CFPB, help. Of just join in the nonsense. I have no faith in any of you now
Consumer complaint received 2022-10-30
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA (DE)

I was assured by XXXX that when I successfully completed my rehab program that all old information including default statuses and annotations would be removed from my accounts. 

I have disputed with the Fed Loan Services and they keep referring me back to XXXX  to fix the errors despite them being listed on my reports as Fed Loan Servicing. 

They have removed all but 3 from XXXX despite disputes. All saying 120 days late. 
They have removed none from XXXX despite disputes. All saying 120 days late. 
They have removed all from XXXX and there is no issue here. 

These are now duplicated listings for the same accounts on XXXX and XXXX- the new loans from XXXX XXXX  all reporting positive with the same balances as the old Fed Loan Servicing Accounts reporting negatively.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (PA)

Dates : XX/XX/22 XX/XX/22 XX/XX/22 Apple Card reported that I had paid late these months, which is untrue. A blatant lie to tank my credit. 

From the day I opened this account with them, I have had automatic full payment every month from my debit card, and these three months, I also had an over balance/ credit of approximately XXXX  XXXX. It would be IMPOSSIBLE to have a credit of over {$1000.00} each of these months and still have a late payment when there was no charge to the card. Make this make sense. If I have overpaid and have XXXX accounts, how does one make a late payment when mathematically impossible? 

Apple Card has been conducting itself fraudulently continuously to ensure that it can not open another card and leave them because they are exploitative and disgusting.
Consumer complaint received 2022-10-30
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Jonathan Neil & Associates, Inc (NC)

I joined the military and was unable to receive mail for 5 months and in this time I did not get any notification that I had a debt to be paid to Jonathan Neil and associates. During this time I was in the middle of an address change and started basic training. this means I did not have access to electronics of any kind or my home mailing address for 5 months at the 6 month mark of me being in the military I was finally notified by dot of Washington state that my license was being suspended due to unpaid debt towards an insurance company. This was the first I heard of this debt and even though I contacted Jonathan Neil and associates immediately after being notified by XXXX Jonathan Neil would not take the license suspension off my license with a payment plan in motion. By this I mean I already signed documents stating I will pay XXXX a month to this debt until it is paid in full with XXXX payments completed and a down payment. I have now paid off XXXX dollars of the XXXX owed. They will still not release the suspension. As my intention was never to run away from this debt I have consulted base legal to discover that this is considered very uncommon and before legal action is taken on my behalf the cfpb should be utilized first. I now have to repay for my license, motorcycle endorsement and will not be able to get a job in the automotive industry due to my now present negative driving record as I had before I joined due to the simple fact that I did not have access to my mail.
Consumer complaint received 2022-09-19
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: Experian Information Solutions Inc. (IL)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2023-12-17
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Prober & Raphael, A Law Corporation (CA)

XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, filed a fraudulent Unlawful Detainer case with the XXXX XXXX XXXX XXXX Case # XXXX ). XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, are representing XXXX XXXX XXXX XXXX XXXX and are claiming that the Plaintiff has interest, is an owner of, and entitled to immediate possession of the property located at XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX California [ XXXX ]. PROBER AND RAPHAEL, XXXX filed a CORPORATE GRANT DEED on behalf of XXXX XXXX XXXX  on XX/XX/XXXX ( Doc # XXXX, XXXX County Recorders office ) Granting said property from XXXX XXXX XXXX XXXX XXXX to THE SECRETARY OF VETERANS AFFAIRS. XXXXXXXX XXXX XXXXXXXX, XXXX, Granted said property to the SECRETARY OF VETERANS AFFAIRS and is now attempting to claim ownership through TRUSTEE 'S DEED UPON SALE ( Document # XXXX, XXXX Superior Court , dated XX/XX/XXXX ). XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX, filed the Unlawful Detainer case after XXXX XXXX XXXX XXXX XXXX previously Granted said property to THE SECRETARY OF VETERANS AFFAIRS.
Consumer complaint received 2022-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (NY)

Hello, on XX/XX/2022, I was purchasing a Watch via a highly reputable luxury used watch company who also offered their services on their XXXX store. This is not the point. I ended up purchasing the watch and everything is fine on that end. However, even though I just paid the full amount for the watch, i initially tried to do it through paypal credit, which would have allowed me to pay over time interest free, one of the options to purchase the watch. So I signed up for paypal credit and was approved for a XXXX limit and then tried to proceed multiple times to then purchase the watch via paypal credit and each time an error showed up. So I eventually gave up and just paid the full amount of the watch myself. My gripe is that paypal credit essentially had me sign up, Ran a hard inquiry on my credit report, and then declined to fulfill their obligation, essentially creating a worthless hard inquiry on my credit report without even being able to use their service ( despite them approving me for XXXX credit line ) ( watch amount XXXX. ). I then called paypal credit customer service to get this hard inquiry removed and they essentially told me they couldn't and to call paypal. Therefore, I called paypal who made up various nonsensical excuses like oh " new credit may have placed a fraud on it '' to which I responded then why offer the service, and they essentially directed me back to paypal credit. Neither agreed to remove the ridiculous hard inquiry on my credit report. This was ridiculous to sign up for a credit line to pay for something, get approved, and then have the service not work, leaving me with a hard inquiry and nothing to show for it, and then neither company paypal or paypal credit saying they can correct the error. I have attached a screen shot of my paypal credit account.
Consumer complaint received 2022-10-30
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. (IN)

XXXX XXXX XXXX XXXXXX/XX/XXXX, {$14000.00} XXXX XXXX XXXXXXXX : XX/XX/XXXX, {$500.00} XXXX XXXX : XX/XX/XXXX, {$1400.00} XXXX  : XX/XX/XXXX, {$400.00} XXXX XXXX XXXX  : XX/XX/XXXX, {$2100.00} In accordance with the fair credit reporting act XXXX these account has violated my rights 15 U.S.C 1681 section 602 A States I have the rights to privacy. 15 U, S.C 1681 Soction 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 us 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, adebt collector may not communicate with a consumer in connection with the collection of any debt. 15 us 1692b ( 2 ) not state that such consumer owes any debt.
Consumer complaint received 2022-10-29
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (FL)

As of XX/XX/2020 the amount I owe of {$4200.00}. 

In the year of XXXX, I needed XXXX work done. I went faithful too dentist but when covid hit hard for 4 months. I didn't have the funds to complete the last step. Which was getting my XXXX XXXX I have paid {$15000.00} w/insurance or more on getting this procedure done with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
I am financially in debt of $ XXXX. 
I paid all my dentist bill at each time of my appointments. But this balance owed of {$4200.00} was for my final XXXX XXXX that was schedule in the time of covid but didn't have the funds.
Consumer complaint received 2022-10-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (TX)

I am a 100 % rated XXXX XXXX XXXX Veteran and Caine & Weiner are attempting to collect a debt that I do not owe them, and it is causing undue stress and financial strain. I believe an account that misstates a debt owed to XXXX in the amount of {$340.00}, was purchased by Caine & Weiner and illegally reported to the credit reporting agencies as a collections. The debt in question is from the creditor XXXX who illegally sold my debt to Caine & Weiner who are now illegally attempting to collect a debt I do not owe them. According to 12 CFR 1006, 1006.34 Notice for validation of debts, Caine & Weiner must provide proof that this debt is valid by producing a hand signed copy of my consent from Progressive, that is supposed to show that I gave Progressive my expressed written permission to sell a debt they say I owe them. And under 12 CFR 1006, of the Fair Collections Practices Act, 1006.38 Disputes and requests for original-creditor information, it is my right as a consumer to dispute this erroneous reporting of this collections to the credit reporting agencies. So per 12 CFR 1006, 1006.38, all reporting of this collections on my consumer credit reports must cease until Caine & Weiner can provide the signed consent with my written signature from Progressive, stating I consented to any debt they state I owe them would be sold to a collections company. If they can not furnish this signed consent from XXXX, this collections must be permanently removed from my credit profile with XXXX, XXXX, and XXXX if they want to avoid the filing of a civil suit for damages the filing of this collections on my consumer credit reports have already caused me.
Consumer complaint received 2022-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc. (PA)

According to Federal law 15 U.S. Code 1681s-2 ( 7 ) ( A ) ( i ) ( A ) Notice to consumer required ( i ) In general " If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 1681a ( p ) of this title furnishes negative information to such an agency regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. '' In XXXX of 2022 PROSPER MARKETPLACE acct XXXX furnished negative information onto my consumer report ( late payment ) with out providing notice in writing. 

If this person claims to have sent me in writing that it had intentions of furnishing said negative information please have them send me a copy of said letter and a wet signature of mines confirming receipt of the writing.
Consumer complaint received 2022-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (GA)

The company calling my number XXXX persistently is MIDLAND CREDIT MANAGEMENT. They call me every hour or any day even Sundays. I do not have a debt with anyone. My debt was discharged a long time ago theough bankruptcy. 

They are calling me trying to collect someone else debt through me but calling me instead. They need to stop I do not owe anyone and whatever debt this is they need to find the rightful people and call them instead. 

This number is rightfully registered to only me who owes no debt and they need to STOP calling me or XXXX make further legal charges after this.