davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc. (NC)

XXXX XXXX is reporting a fraudulent account to my credit file I never had a XXXX card and I have call several times to tell them to remove it and customer service let me speak with fraud department and they said the willremove the fraudulent account I ending up filing a police report to have it remove
Consumer complaint received 2018-01-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

I sent Equifax 2 dispute letters by now and all i know is that the accounts are listed as : Consumer Disputes information, I 've yet to receive letters regarding the outcomes of the disputes. More than anything I Want Equifax to provide me their verification process as IT IS MY LEGAL RIGHT UNDER FCRA 611 ( a ) ( 6 ) and ( 7 ) ... ... .... HOW DID YOU EVEN TALK TO THE COMPANIES!? THEY DO N'T EVEN LIST A PHONE NUMBER!!! SO I AM ASKING THAT EQUIFAX PROVIDE ME THE ''MAIL CORRESPONDANCE '' USED TO VERIFY THE ACCOUNTS WITHIN 15DAYS OF THIS COMPLAINT. ACCOUNTS IN QUESTION : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX/XXXX XXXX, 3 ) XXXX XXXX/XXXX XXXX, 4 ) XXXX XXXX  XXXX. I DEMAND TO SEE YOUR VERIFICATION PROCESS EXECUTED IN 15DAYS AS STATED IN FCRA 611 ( a ) ( 6 ) and ( 7 )
Consumer complaint received 2018-01-18
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: Experian Information Solutions Inc. (NY)

There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Colony Brands, Inc. (NC)

Back in 2013 I had notice tha XXXX XXXX was on my credit report.., I contacted them and explained to them that this account is fraudulent and should not be on my credit report .. I sent ten copies of my police report also.. and the rep told me that it will be remove off my credit report ... this account needs to be removed off my account I have never had a XXXX XXXX account
Consumer complaint received 2018-01-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (FL)

I defaulted on several credit lines with XXXX XXXX. They have then sold my debt to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and not sure for the third one. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX have not provided me with any correspondence that the debts were transferred to another co. nor has the buyers of the debt informed me of such transfer. Instead a representative from XXXX XXXX XXXX, XXXX. contacted me on XX/XX/XXXX stating that she worked for the Litigation dept. We immediately demanded that a verbal cease and desist be placed on the account, but the Rep. stated that she did not have to abide by such request and refused to accept. I was outraged and shocked being that no notice had been previously given and the fact that a written cease and desist was sent in XXXX of XX/XX/XXXXto all my creditors. When the cease and desist was sent in XXXX of XXXX, I verbally communicated with all my creditors and offered 30 % to settle my accounts. This money came from my XXXX, as I had no other means of meeting my responsibility. Since then I have settled wit.h XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and personal loans. I never refused to pay my debt, but due to my hardship i am working with limited funds.XXXX XXXX XXXX did not provide me with all correct and rightful legal notices and correspondences, and/or acknowledging my hardship or attempted to work with me since i never refused to pay but nearly wanted to negotiate a settlement. The have shown very little integrity in the process as they contacted me from a litigation dept. and would not honor a verbal cease. Lastly they have now hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tactfully force and scare me to pay. XXXX XXXX XXXX simply has shown that they do not care about following a lawful process and are willing to cut corners and threatened people and if they dont get what they want they send you to an attorney 's office!!!
Consumer complaint received 2018-01-18
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

IN THE COUNTY COURT IN & FOR XXXX COUNTY, FLORIDA , COUNTY CIVIL DIVISION XXXX XXXX XXXX XXXX XXXX Case No. : XXXX vs. Division : XXXX XXXX XXXX NOTICE TO SERVICER XXXX XXXX XXXX XXXX. 
ORDER TO RELEASE MORTGAGE NOTE # XXXX Ref. : XXXX XXXX XXXX XXXX Acc # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX XXXX XXXX as supposed Power Attorney of XXXX XXXX XXXXXXXX XXXX is hereby order to release Mortgage Note XXXX XXXX MIN # XXXX, Mortgage Account XXXX. XXXX XXXX XXXX falsely claimed interest as Note holder for XXXX XXXX XXXX as Trustee, base in XX/XX/XXXX Mortgage Assignment, recorded by XXXX XXXX that it has been automalically VOID by NOTICE OF CONTEST OF LIEN instrument, See XXXX County Official XXXX XXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

Legal Action THIRD ( 3rd ) ATTEMPT OF WRONG FORECLOSURE on behalf of XXXX XXXX  XXXX XXXX XXXX shall be dismissed. Attached pertaining information of NOTICE OF CONTEST OF LIEN of your VOID Mortgage Assignment. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DATE : XX/XX/XXXX
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

In XXXX a purchase was made to XXXX XXXX XXXX to purchase wholesale XXXX trees in the amount of XXXX. The trees were sent via semi truck freight. 166 trees were missing from the order. We contacted XXXX XXXX and she refused to deliver the remaining trees and hung up. I disputed the charge with capital one. They received a invoice from XXXX XXXX. I verified and uploaded the actual bill of laddel from the trucking company that showed the trees were ordered and paid for however 166 trees were missing. 7 ft trees which is clearly indicated on the bill of laddel and signed by her Forman and the driver. Today Capital one re billed the amount to my credit card without even reviewing my documentation on no delivery. A bill of laddel is a legal document freight drivers must have and it clearly shows it was shorted 166 trees at XXXX dollars per tree XXXX which is what I disputed. Im disappointed in capital one that they didnt even bother to give me the required time to show my proof before they placed it back on the card. I was notified on Monday that she responded with a invoice with no signatures and no proof of delivery so I gave them them the shipping laddel and witness statements the same day. They didnt even review them. Im not sure if the process they are required to follow but I have written the dispute and shown clear evidence of not shipment of items. Capital one has not even gotten me the info a letter sent to me before they even sent me a notice to continue my dispute they just charged the card back. Why dont they wait for evidence before they charge the card back? XXXX XXXX XXXX has not provided a billing laddel or proof of delivery of any kind. Additionally the owners of the store they were being sold at signed a statement showing it was not on the truck which I have attached also. XXXX XXXX.
Consumer complaint received 2018-01-18
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (WA)

On XXXX XXXX ; a Written Contract was signed by my spouse to begin a Kitchen Remodel with XXXX XXXX XXXX.. Contract total was changed 3 times because of incorrect prices/figures/measurements, and damaged material..Most recent Contract signature was XX/XX/XXXX of the corrected copy was delivered by their Project MGR. 
The 1st contract gave us a total of {$52000.00} of which {$26000.00} was financed by a XXXX XXXX XXXX ACCOUNT ie. ( Credit Card ). We have been paying $ XXXX MONTHLY without interest for 1 year ... We had the final Walk thru on XX/XX/XXXX whereby the Project Mgr. and Scheduler performed ... We were totally dissatisfied once again because the Contract total was completely different from the Contracts we had in our file.. We mentioned that until the total and incomplete work was completed we would not be paying any other monies except the Credit card monthly payment ; which has a pay off balance of {$12000.00} plus {$2400.00} interest =TOTAL {$14000.00}. We have never had a past due payment! Project Mgr. and Scheduler stated they would get back in a few days and or email the corrected Contract as well as a Resolution for the UNSATISFACTORY KITCHEN REMODEL ... REGIONAL AND CORPORATE OFFICES WERE NOTIFIED VIA TELEPHONE ... ..To date ; we have had no Communication/correspondence from them at all! 

However ; ON XX/XX/XXXX, we received a letter/memo from an Attorney 's office in XXXX, Wa. recommending an Additional amount BE paid in full of {$36000.00} WITHIN THE NEXT 30-45 DAYS. 
Additionally {$3600.00} OF charged work was NEVER completed for our two bathrooms BECAUSE THEY KEPT CHANGING PRICES AND WE DECIDED TO CANCEL THE BATHROOM REMODEL!
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NY)

I submitted a dispute to Equifax that they Received on XXXX XXXX 2017. I have not received a response from them. It is regarding an account that they are reporting on my report for a XXXX account that I do n't recognize. I asked them to provide me documentation that they have that verifies the account belongs to me.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO. (CA)

I have a chase freedom credit card with the credit line {$12000.00}. I purchased {$6000.00} gift card at the shopping mall on behalf of my company. My company has been reimbursed me month by month, and I have been paying it more than the minimum payment requirement every month. But on XXXX XXXX of this year, I found out my account is closed. With my current salary, I think I can totally pay it off.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I have tried to contact Capital One on multiple times to remove these derogatory remarks i recently have gone through financial hardship and have been late making a few payments.
Consumer complaint received 2018-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (NY)

Coinbase took away {$6500.00} from my bank account on XX/XX/XXXX and told the fund will be available by XX/XX/XXXX in their platform. However, I just received a notice that they are closing my account due to unexplained reason and asking me to confirm the closing of account. In their notice, I do not have any pending deposit while Coinbase clearly removed {$6500.00} from my bank account. I need my money back asap before they force me to close my account. I contacted them through emails several times as well as phone but they do not respond at all.
Consumer complaint received 2018-01-18
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: Time Investment Corporation (NC)

Time finance is still reporting this old debt as open.. this account has been sold and paid in full by a 3 rd party ... I contact time finance and told them that this account was paid and should be removed from my credit report and the rep stated that the account still says I old owed them which is fraudulent this old account needs to be removed off my credit report
Consumer complaint received 2018-01-18
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MA)

Equifax tells me that they completed my disputes and I can view results. I have tried several times to see results and they tell me I dont have an account?. Crazy! The other 2 credit companys have resolved problems. For some reason Equifax is the only one that hasnt fixed the problem. Im in desperate need of having to refi my home and this is really causing a serious problem.
Consumer complaint received 2018-01-18
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: Westlake Services, LLC (AR)

On XXXX XXXX, 2016 I was approved for a loan through Westlake Financial and purchased a car with XXXX XXXX XXXX XXXX XXXX for a total amount of {$4500.00}. Thirty days after my purchase I was expecting my Title. After calling multiple times, and I was told by XXXX XXXX XXXX that he was trying to locate the title. I was given a letter stating the vehicle I had purchased, " has been delayed due to no fault of her own ''. In which the DMV accepted the letter but my registration was only good for 30 days. At one point he called and told me the woman who owned the car was bringing the Title to sign it over. I called and called but my calls were not answered. I have called Westlake Financial multiple times. Im always told that someone will be returning my call. Im still waiting months later. I have had this car sitting in my yard for months that I can not drive due to me not having the proper registration. I would like to have this settled. I have been contacting the finance company they are also giving me the run around. Everyone has been paid in full for a car that I can not drive due to a car that I do not own without the Title.
Consumer complaint received 2018-01-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CT)

On the date XXXX XXXX, 2017, Law firm XXXX XXXX XXXX threatened to file a civil judgement against me if I did not respond to their fraudulent claim of a civil dispute between us. There is none to my knowledge.There must be a contract between us. Contract Law supersedes all Federal and State Rules, Regulations and Statutes. 

If you are the Fiduciary in this matter, I will need a copy of the contract between us to continue further communication. I do not give permission or consent by assent for you to enter as a third party to this alleged civil dispute, nor to issue letters of threat to my private property or person, including you, reporting to various credit reporting. 

My house is private, my telephone and e-mail are private. My person is private and for private use by myself and by those with whom I may contract. If you are attempting to enter this alleged civil dispute without a contract or my permission, you are in trespass. ( XXXX XXXX XXXX v XXXX XXXX XXXX XXXX ( XXXX ) ). I am not a corporation. 

Produce a Contract, Delegation of Authority, Regulatory Authority or cease and desist. Unless you are a Secured Party, Holder-in-Due Course, Creditor, Debtor or Signer on the Original Contract, you are a third party. You are a liability and no assistance. Take Notice : You are lawfully and legally dismissed. I will not discuss my Private Affairs with an Unqualified Third Party. 

In your next correspondence, please forward the instrument that establishes my obligation to perform as you request, plus your ID and Delegation of Authority ( to wit : UCC3-501 ( b ) ( 2 ) ) otherwise you will be accepting my offer to provide pen pal services at {$1000.00} per correspondence. If you accept my offer to provide this service, simply send any correspondence other than what I have requested.
Consumer complaint received 2018-01-18
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: ASTA FUNDING INC. (OK)

I sold some of my annuity to a company called XXXX XXXX. We did several transaction over a years time, involving different amounts of my {$1100.00} a month payments. A year ago, I was offered to sell the remainder of what I understood was the rest of the monthly amount for {$33000.00}. 
Later I ask XXXX XXXX the balance left of my annuity which I bought for {$180000.00}. 
That 's when I was told that XXXX XXXX owned all my money.
Consumer complaint received 2018-01-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: NAVY FEDERAL CREDIT UNION (MD)

I 'recently filed bankruptcy and it was discharged on XX/XX/XXXX. I attempted to catch up car payments for XX/XX/XXXX and as a result, I called Navy federal, customer loan department. on XX/XX/XXXX and was told that I was eligible for a 2 month extension and to call back to confirm on XX/XX/XXXX. I called on XX/XX/XXXX and was told by XXXX XXXX XXXX Bankruptcy specialist ) that I could not get the extension and XXXX XXXX stated that he does not know whom have me that information. It must be noted that, there was a complete application that I had to undergo to apply for this extension which was given to Navy Federal representative over the phone. XXXX XXXX denies that there was ever a extension applied for and stated that I was given incorrect information. It should be noted that I prepared for the extension financially as a result of being told by the customer loan representative, that I was in fact, eligible for the extension and assured me that I would receive it. Now I am being told by XXXX XXXX, that I will not receive the extension and he is now threatening to retrieve my car. XXXX XXXX is clearly unsympathetic to my financial need and is holding the fact that I filed Bankruptcy, against me! by not approving any extension due to me filing bankruptcy. I am requesting that I be extended the extension as I did financially prepare for it and have made preparations to move into a new home. Not approving the extension would place great financial burden on me until such time as the original extension agreement can be completed. I am requesting that Navy federal honor the request that I was told that I was eligible for
Consumer complaint received 2018-01-18
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Med-1 Solutions, LLC (TN)

We paid 1 of 2 medical bills that were sent to the XXXX XXXX collection company through their website XXXX XXXX XXXX in early XXXX 2017. The website is subpar, and gave an error upon trying to complete payment. HOWEVER, the transaction DID go through, and was immediately taken out of our account with a full transaction number. We have spent the last several months going back and forth with this company jumping through all their hoops to prove payment, to no avail. We have sent multiple emails with an attachment from our bank of proof of payment, double checking the email address and resending several times. They were even supposed to check the transaction with their accounting department and still say we did n't pay it, even when giving them the full transaction # and date. Today we have tried yet again to get them to credit the payment by sending a fax of the bank statement that shows the paid amount and transaction # and multiple emails with the bank statement attached. We 'll see if they finally credit it, but this is completely shady collection practices. If you ever have to pay a bill with them do it over the phone to save yourself this hassle.
Consumer complaint received 2018-01-18
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Riverwalk Financial Corporation (GA)

I was contacted on XX/XX/XXXX at XXXX XXXX by XXXX XXXX XXXX '' with the XXXX XXXX XXXX XXXX  from XXXX. He stated that he was trying to collect a debt for XXXX College for XXXX He stated that he was a lawyer and that his client was XXXX XXXX XXXX He stated that they have mailed letters to me that I have never received. He told me he wanted to give me a courtesy call to let me know that they will be suing me, and garnishing my wages and/ or tax return if we could not setup a payment arrangement today. I proceeded to tell him that I am unemployed due to a major car accident onXX/XX/XXXX. I had XXXX XXXX and can not work at the moment. I lost my previous job due to the situation. I have documentation. After I tell him that they will have to proceed with the case, then he gets agitated and demanding that I pay the money or lose my taxes. I told him that I am a single mom and anything that I get back from taxes would go towards helping our living situation. I still proceeded to tell him to go ahead with the process, due to the fact that I still do not have the funds. I asked would I get correspondence when a court date is in place. I told him I would get a lawyer. He laughed and told me that I can not afford one or to file bankruptcy. He also had information about my other open accounts and laughed about my amount of debt. I told him that in my city we have access to free legal aid and lawyers based on income. He stated that he would ship out the petition today. He as very rude and degrading me and my situation. I have never experienced that with anyone that I owe. I have other accounts and the staff has never treated me like this. After the phone call, I XXXX the law firm and the number. I did not find that law firm anywhere. I found XXXX XXXX XXXX in NY and XXXX XXXX. The law firm in XXXX XXXX had a XXXX XXXX, not XXXX XXXX. I know that some debt collectors may impersonate lawyers to collect the debt, but that is a criminal offense. Also, when I XXXX the phone number it was in a list of other numbers registered to XXXX. I also know that he can not sue me in another state without hiring another lawyer in my state, because it seems like they are out of my state or country. Please help. I am doing the best I can trying to get back on track after this life changing experience. I do not appreciate being degraded and harassed.