davidheineman/consumer-finance-complaints-large huggingface dataset:
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 — Information belongs to someone else
Company: ENCORE CAPITAL GROUP INC. (GA)

For months since XX/XX/2018 I have been disputing and following the law to have these items removed and each company reporting on my report has yet to validate their search upon request in accordance to the federal law as required which is a violation of the FCRA & FDCPA. 

I requested that each company please provide me of an original signature or any proof binding me to any debt with them they claim I owe in accordance with federal guidelines and each company has failed to do so after about 6 challenging attempts. 3 from myself 2 from XXXX XXXX and another from XXXX XXXX XXXX  XXXX XXXX XXXX. 

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 ) I  have requested that each organization reporting derogatory items and negative closed accounts please prove this to me as I do not recognize or claim any accounts to be mine. 
Furthermore I have given them more than 30 days to respond accordingly and they have yet to respond proving or validating the debt within the 30 days required by law. 

The first challenges went out on XX/XX/2018 to XXXX XXXX XXXX for {$720.00}, There was a challenge for a XXXX balance as a charge off with them as well. XXXX XXXX also showed a {$720.00} balance along with XXXX/XXXX XXXX  with a balance of {$430.00} and XXXX XXXX for {$680.00}. 

I disputed each item and requested for proof my original signature as validation per the federal law requires within a 30 day period for I did and still do not recall such accounts. I informed them that failure to do so in accordance with the laws provided to remove any debt bearing my name on my credit report from their credit profile and to remove any negative item from my credit report. 

They responded with letters within the 30 day period saying that the debt was valid and their investigation was verified yet did not provide proof within 30 days of the initial letter as requested such as a signature binding me to the debt as the law requires. 

The second challenges went out on XX/XX/2018 to the same companies listed above for the same amounts and their responses were the same still failing to provide me with any type of proof validating the debt as the law requires. 

The third challenges went out on XX/XX/2018. As a final goodwill attempt along with More challenges sent out later via credit repair services between the months of XX/XX/XXXX-XX/XX/2018. 

Yet again these companies have within the 30 day span upon the initial challenge failed repeatedly to act in accordance with the law and have been in violation of the FCRA & FDCPA.

I too requested Validation they have yet to prove it.

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 2018-12-21
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: General Motors Financial Company, Inc. (MO)

GM Financial 's website for billing has been reporting incorrectly for the almost 3 years I have leased a car. It continually shows the wrong amount due and incorrect due dates. Example : Login to the webpage it shows amount due as {$310.00} then look at the electronic statement and it shows {$290.00}. Consumers would be unsure as to what amount is actually due. Now at the end of the lease it shows {$750.00} due and no statement for XX/XX/XXXX. I called and they said I only owe {$140.00} ( which I paid ). I do not trust this company at all and I'm sure there will be more charges even though they tell me this XXXX 's out my account. This is very confusing and I have been very diligent to pay attention to statement amounts instead of the website but I'm worried that others would incur late payments and other financial hardships based on misinformation. This is very bad business. When I asked about this several times the only answer I got was they are working on it or they don't know why it shows this. I have talked to other GM financial customers who have similar stories. This needs to be investigated for predatory lending practices. I work for a large financial institution and if we did business like this we would be in trouble.
Consumer complaint received 2018-11-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (LA)

Netspend has all of the appropriate documentation for my dispute. They closed the dispute, without even looking at evidence provided. I tried my best to go up the chain of command, including contacting the corporate offices. A gentleman at the corporate office spoke to me, he stated that some of the paperwork was received, but not everything I sent. I resent the emails to him, but to no avail. There where 14 emails of documentation submitted, they looked at none of it. 

I explained the the account should have taken a pre-authorization, not the physical money. I also provided copies of the credit card statements showing where the charges went off of my primary card. All this information was ignored as well. I am attaching everything to this complaint, in hopes that they refund my money that is due. This should have been done almost 2 months ago. I should not have to wait an extended period of time, they have the ability to get their money back from the vendor. 

Once again, I was aware they where doing a pre-auth but the money should have posted back to my card. They are allowing me to be charged 2 time. This has also caused me to have my primary mode of transportation put at risk, because them not returning my money has caused me to directly go into default on my auto payments. When I stated I was going to file a complaint, I was threatened that if I did they would block me from their system, close my account, and block me from services. 

I just simply want my money, that I should have well had! Unfortunately the documentation vast to put it all in, it will be re-provided upon request. I have attached the charges from the other company, to contradict the charges by Netspend. My money needs to be refunded urgently, before I lose my truck.
Consumer complaint received 2018-11-06
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: WELLS FARGO & COMPANY (CA)

XX/XX/2018 unathoraized transaction was made for {$1200.00}. Meanwhile numerous attempt were to be made about refunding the money from XXXX XXXX XXXX but no answer.Dispute was filed to Wells Fargo claim department and evidence was sent on XX/XX/2018 information was unreadable so it was then faxed on XX/XX/2018 the evidence pertained the signature authorization form and the two emails sent by the company requesting signature on XX/XX/2018 proof that it was not signed. Well Fargo was  contacted and asked if the recieved fax and many of them stated yes. They also were asked if it was the evidence they needed a sufficient enough they stated yes as well. On XX/XX/2018 dispute was closed saying they did not recieve any information. They were called again and said the have enough evidence the money should be fine. However, on XX/XX/2018 another claim was the open for the same dispute. Wells Fargo claim department was then contacted again and they didn't know as to what was going then sated the couldn't win over the dispute. Asked again as to why, if proof was recieved and if needed to provide more evidence they continued to state they did not have evidence and left unanswered to other question asked and proceeded to end the call.
Consumer complaint received 2018-12-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (NJ)

My dispute is with the creditor, as you will see in the attached email chain. The creditor, XXXX fraudulently tried to charge me triple for treatment I received earlier this year. I emailed the creditor advising I disputed the fraudulent amount and I wanted to clear this up, and as you will see in the attached copy of the email chain they responded that someone would be in touch with me. I never heard back, and you will notice I emailed them again to follow up, but heard nothing. Now, I am receiving a dunning notice from XXXX ( copy attached ). While I understand that my communication was with the creditor, per the communication from the CFPB the debt collector is responsible for performing due diligence on new placements prior to making collection attempts to determine if a dispute exists. I received no verification of the debt or response to my dispute, but collection activity continued in the form of my receipt of this dunning notice. This constitutes a violation of the FDCPA.
Consumer complaint received 2023-12-28
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (CA)

Dear Discover, I would like my account reconsidered and to be re-opened and remain opened and my great relationship with Discover Bank to be re-opened and remain opened. 

Credit cards needing to be re-opened and remain opened : 1. Discover DiscoverIT Cash Back credit card ending in XXXX 2. Discover DiscoverIT Cash Back credit card ending in XXXX As a loyal Discover active member, I need my accounts to be opened. In the past 8 or so years I have talked to many representatives who misheard me or gave me wrong information regarding my accounts when I was simply trying to get new account numbers due to fraudulent charge ( s ) as someone gaining access to my account and me misplacing my wallet. It looks like that was resolved as they told me to fill a SSA form afterwards which I did in XXXX  and Discover confirmed its receipt but still closed my account in error. 

In the midst of all of the confusion, which was also my fault because of miscommunication, it triggered activity on my account leading to someone closing my account in error. I am also not very technologically savvy and have a XXXX. It was a simple request to get a new number due to fraud. I had not even gotten the chance to use my card which is what I was excited about. Moreover, this is going to hurt my credit score ( as I have {$10000.00} credit limit on this account ) and will overall hurt my credit really badly so I want to avoid this. I am also traveling soon and will need to use my credit cards. 

I was told to fill out an SSA form afterwards which I did in XXXX  and Discover said they received it but they closed my account due to error. 

I would like you to please reconsider the closure of my account and please re-open my card with a new number and send it overnight. 


I have developed an action plan and will do my due diligence moving forward to have optimal security avoid any misplacements or even fraudulent activity. I can assure you, this will never happen again. I also placed extra security including security alerts on both my social security card and the credit bureaus. I am also happy to oblige and comply with any further action plans that Discover may want to ensure my security. 

I am appreciative of you re-opening my cards and sending me new numbers. Please do not close any of my accounts again. Please re-open and keep open my great relationship with Discover. 

Thank you for your time, understanding, and patience and thank you for re-opening my card.
Consumer complaint received 2018-11-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (AZ)

I am writing this complaint to inform you of the deceptive tactics that were used by two collection agencies that were collecting past due amounts for Synchrony Bank. 

The first collection agency is XXXX XXXX, who is collecting for XXXX. After missing some payments and receiving emails and letters saying that they can offer financial assistance or a suitable payment arrangement, I finally contacted XXXX back in XXXX. 

My past due amount at that time was {$210.00}. I was assuming that this payment plan would get me back on track. I went ahead and agreed to allow XXXX to automatically take payments from my checking account for five months. Those months were for XXXX XXXX with payments between {$34.00} - {$67.00}. The amount I paid for those five months totaled {$280.00}. Since the automatic payments ended on XX/XX/XXXX, I went online and paid {$70.00} for XX/XX/XXXX. Even before my XXXX payment was due, I started to receive phone calls from XXXX again. XXXX then mailed me a letter dated XX/XX/XXXX, stating that my past due amount is now {$240.00}. This is an increase of {$25.00} from the original past due amount from a letter they sent me dated XX/XX/XXXX. 

Since they had been calling me several times everyday for at least a month, I finally called them on Saturday, XX/XX/XXXX and asked them why do I still owe a past due amount when I thought the purpose of the payment arrangement was to eliminate the past due amount so that I could get back on track with my payments. I told them that what they did was very deceptive and to not call me again. I also let the person I was speaking to know that I was going to file a complaint with the FTC. 

The second collection agency that Synchrony Bank uses is XXXX XXXX, which is collecting for XXXX. My original past due amount back in XXXX of this year was {$230.00}. The payment plan that I was set up for was for six months with amounts anywhere between {$30.00} to {$81.00}. The amount I paid ended up totaling {$400.00}. XXXX sent me a letter dated XX/XX/XXXX saying that my past due amount is now {$260.00}. This is now an increase of {$34.00} from the past due amount in XXXX. 

What were these collection agencies doing with the money that I paid them? Why do I still have past due amounts that are now more than the original? Why are these collection agencies saying that they will offer people financial assistance or suitable payment arrangements if the past due amount ( s ) people owe never goes down? 

I really hope that the FTC will take action against Synchrony Bank, XXXX XXXX and XXXX XXXX and put an end to their deceptive tactics that are putting me and possibly many others into even further debt. 

Thank you for your time.
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: CITIBANK, N.A. (CA)

Contacted Citibank from XX/XX/XXXX to current date pertaining to inaccurate information on XXXX and XXXX reports. Also contacted XXXX and XXXX regarding issues but they refuse to correct eventhough I have provided documentation. 
Citibank per credit reports closed account in XX/XX/XXXX, account was then amended and made into an installment account in XX/XX/XXXX. A letter was sent by Citibank to me pertaining new agreement but when I contacted Citibank pertaining to letter information I was told that not all the information on letter pertains to me and I should disregard any information not pertaining to me since letter is generic except for payment amount and terms. 
Citibank refused to report new agreement information to credit bureaus and continued to report as late. Payments made on new installment agreement were reported as X, NR or LATE XXXX and XXXXx refuse to update information which I provided and showed account was closed and made into an installment account in XX/XX/XXXX with first payment due XX/XX/XXXX.
Consumer complaint received 2018-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Roycroft Management (NY)

I was contacted by XXXX XXXX XXXX on Thursday XX/XX/2018 a very detailed voicemail was left. The lady stated that she was calling from XXXX XXXX XXXX Economic Crimes Department, in her message she said her name was XXXX XXXX, XXXX ( I'm not really sure she was really hard to understand ) she said she was contacting me regarding a criminal complaint that has been filed against me in regards to stolen property, this complaint goes against my name and social. She said that it is imperative that I call her immediately at ( XXXX ) XXXX. She said that I have been legally notified in accordance with all federal and state laws and to govern myself accordingly. 

Immediately contacted this representative back, I let her know that prior to her contacting me I was working with another representative XXXX who was taking {$150.00} payments from my checking account every month and those payments have since stopped. I let XXXX know that I tried to contact XXXX after the payments stopped but the number was no longer in service. XXXX rudely interrupted me she let me know that I was in possession of stolen property and That I need to pay the total amount owed or this will go to court. I tried to explain to XXXX again that I have been trying to make good on what I owed but the other agency disappeared. XXXX repeated herself again stating I was in possession of stolen property and that I needed to pay this debt in full and that she is in the mediation department she is not a collector. Since I was at work I asked her to hold while I go to my car to speak to her privately. When I got into my car my phone automatically connected to the Bluetooth in my car. I let XXXX know that I can't pay the full balance that I can only make partial monthly payments on what I owe every month. XXXX then got extremely stern with me she told me that she did not understand why I was recording the call that it was " annoying '' she said that the debt had to paid in full she told me to get a lawyer and hung up the phone on me .... Meanwhile the call was not being recorded it was just connected to my Bluetooth in my car. 

I was in shock, I could not believe how she spoke to me. So I immediately called back the phone went straight to voicemail, I left a very detailed message sating that I don't understand why I was hung up on when I'm trying to pay what I owe in payments as appose to full payments. I never got a call back from the voicemail I left. Two days later I called and a lady answered I asked to speak with XXXX 's supervisor because I did not agree with the way the Mediation rep handled our conversation, she then placed me on hold for 2 minutes and my call was forwarded to a voicemail.
Consumer complaint received 2018-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (AR)

On XX/XX/XXXX I sent a certified letter ( tracking # XXXX to Enhanced Recovery Company which was received on XX/XX/XXXX at XXXX. The letter sent requested proof of contract or application obligating me to this debt this company claims I owe. Enhanced Recovery Company has only provided a copy of bill dated with my name on it as means of validation. This is not considered proper validation under the court of law. No chain of command, application, or contract, containing my signature has been provided on behalf of Enhanced Recovery Company. Enhanced Recovery Company is in violation of the fair debt collection practice by continuing to report this account to the consumer reporting agencies as well as attempting to collect on a debt without proper validation.
Consumer complaint received 2018-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Ever since my credit has been reported, it has been incorrect. I have attempted to fix it at various points in my life. However, the companies refuse to take any action. I have called, repeatedly, I have sent correspondence to confirm inaccuracies, repeatedly, but the companies continue to treat me as if I am lying about my own situations. My situations with the credit agencies has been heavily documented by myself and their agencies. I have a copy of each time I have attempted to repair inaccuracies on their part, but nothing has changed. The fact is, ever since I XXXX XXXX XXXX XXXX, the agencies have placed more and more obstacles in my way. Since the beginning, I wanted to use my XXXX XXXX to build wealth and fix problems. Once the debt collection community, business community, and others saw my tenacious spirit, they have done nothing more than heckle and make it even harder to reach my full potential. As I have stated in all of my other complaints, I refuse to let them continue to dictate the direction of my life now, and at any other point in my future. 

Transunion customer service is garbage. I've talked to other people of other ethnicities, other ages, etc. and I know, FOR A FACT, they do not treat all similarly situated individuals the same. For this, I am ashamed of their inability to follow through with the requirements of the FCRA. This is not, currently, a class action suit, but, I have enough know how, and backing to make it one.
Consumer complaint received 2018-11-06
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: Innovis (CA)

CBCInnovis ran my credit without my authorization ... I NEVER provide ANY signed, or verbal authorization for CBCInnovis to request a credit pull at ANY credit bureau. Also per the attached email communication Sales Manager XXXX XXXX vehemently lied regarding ultimately pulling my credit which was to be performed with my signed authorization per his due diligence regarding reviewing the submitted documentation per pre qualifying me.
Consumer complaint received 2018-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (WV)

in XX/XX/XXXX my husband took a loan out for a double wide wish was XXXX XXXX dollars at the time he had been ill and had received XXXX after working in XXXX XXXX for 19 years was told he couldn't take insurance out,,, he passed in XX/XX/XXXX I thought it was a 20 year long come to find out its a 30 year loan he was taken advantage of and ive been paying it every since they act like they was going to change it to 20 never did a [ n the mean time they chaged to ditech is there anything I can do concerning this matter
Consumer complaint received 2018-11-05
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. (GA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made.. The accounts have nothing to do with me..I am a victim of identity theft and the account is not my responsibility, please remove XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX   XXXX ( Original Creditor : XXXX ) XXXX