davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-14
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P. (TX)

XXXX XXXX XXXX has not sent me proof of my obligation to the alleged debt as requested and continues to report this trade-line to two of the three major credit bureaus. I requested validation of this account in XX/XX/XXXX to no avail. I also disputed directly with them in XX/XX/XXXX. To date XXXX XXXX XXXX continues to disregard my requests and ignore my consumer rights. I requested the documents from their files used to validate this account but all I received was an itemized billing statement from the original creditor. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting on my credit report. All unverified and unvalidated accounts must be deleted. Who verified this account? What documents were used to verify? Are these charges valid? The only correspondence that I received was a letter stating that I owed this debt and a billing statement ( this item does not qualify as verification per FCRA ). This company is in violation for continuing to verify the account with the credit bureau without properly validating or providing the evidence as requested. XXXX XXXX XXXX is blatantly disregarding the law.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MI)

To whom it may concern : Your response to my dispute of public record is unacceptable. In your response you claim that you have verified this information how? According to the FCRA you have to provide me with the manner in which you verified this information. And you have not done so. I have submitted all the information to you already that proves the account does not belong to me. I further more do not have to provide your company with anything else. You have to provide me with your ways of verification in which you havent done so thus far. Which will result in numerous violations of the FCRA and each violation can result in {$1000.00} penalty. I have kept close record of our correspondence in which you have not provided me any documentation of you ways of validating the account belongs to me. And I intend to pursue legal ways to remedy this tragic situation that is damaging my life as well as reputation because of your malpractice of reporting false information. Again I want verification of account numbers jurisdiction of court address and all other particulars of the public record you are reporting on my credit report. You can not use any 3rd party information you have to verify it with the courts and provide me with your exact method of verification to provide utmost accuracy as stated in Fair Credit Reporting Act. This is my final warning before I seek judicial court suit against your company for your transgression against me.
Consumer complaint received 2018-06-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (GA)

I have a loan with DISCOVER BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and DISCOVER BANK with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2018-01-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. ()

On XXXX XXXX XXXX  2017 I transferred funds ( est 1030 ) from my dash wallet in XXXX to my bth wallet in Coinbase, funds still not showing up in my Coinbase Wallet neither pending or in process, there is more then 5000 confirmations on XXXX and I can see transaction is credited to Coinbase address on my XXXX  statement. Over the month I was writing emails on opening ticket, to Coinbase support but nobody answers and there is basically completely ignored, they not answering on socials ( XXXX etc ) I have send more then 10 emails on my open ticket during this month but there is complet silence.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I obtained a copy of my credit report in XX/XX/XXXX. In my review of the report, I noticed that XXXX XXXX XXXX was reporting I allegedly owed them {$450.00} and that it was past due. I promptly submitted a dispute to the credit bureaus as well as XXXX XXXX ( see attached ). My concerns were ( 1 ) why did I not ever receive any notification from them ; particularly the dunning letter informing me that they were attempting to collect a debt. ( 2 ) If they are indeed a third party collection agency, how then do I have terms of 1 month with them? ( 3 ) I requested that they provide supporting documentation that reflected a summary of all account activities including all payments, late charges, interest, etc. ; copies of all documents sent to me regarding the account, copies of papers bearing my original signature that show I agreed to pay what they are alleging I owe and proof that the statute of limitations has not expired on this account. 

I received none of the above. In fact, the attached documentation sent by them to me dated XX/XX/XXXX, almost 60 days after my initial request ( which is a violation of my rights as they were supposed to respond within 30 days ) ; reflects that they do not have any information to validate the entries they are reporting on my credit report. Also, note that the company did not attempt to contact me to request additional time to investigate ; they chose to disregard my rights under the FCRA as well as mandates in accordance with FDCPA. 

Lastly, if this is indeed a medical debt that belongs to me, where is the documentation to support that I gave XXXX XXXX permission to share my medical records with this company? Further, this company is reporting 2 different opening dates among the bureaus, yet another discrepancy/inaccuracy within my credit report as well as reporting that I am past due on one bureau and not past due on another. 

XXXX is blatantly damaging my credit score as they are reporting as a data factoring company and this is wholly unacceptable and not true given that they stated they do not have any documentation to support this erroneous reporting. 

This entry should be deleted from both my Experian and XXXX reports immediately.
Consumer complaint received 2018-03-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

Ive mailed Progressive Management Systems for them to validate this alleged debt. They have sent me a letter that looks like it was generaded using XXXX XXXX. Nothing on this letter validated that it is indeed myself and that I owed them any money. Anyone could of easly generated this letter, obtained my name and say that I owe them money. It contains no contract agreement, no signatures or anything saying that I owe this XXXX   company money. This does not seem like a valid form of Validation. Ive also tired to contact them to just settle this amount even though they didnt properly validate so I can move on from this but XXXX failed to respond.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MO)

My mortgage was transferred to XXXX XXXX XXXX XXXX  on XX/XX/. Because I was in the process of a bankruptcy when my mortgage was transferred to XXXX XXXX XXXX XXXX, it was automatically sent to their bankruptcy department. I received and signed a reaffirmation agreement with XXXX XXXX XXXX XXXX XX/XX/XXXX that was submitted and approved prior to the discharge of the bankruptcy. The time allotted to rescind the agreement ( 60 days ) ended over a month ago meaning that this reaffirmation is now legal and binding. I was told by my XXXX XXXX XXXX representative, XXXX XXXX, that after the rescind period was complete the account would be released from the bankruptcy department and would also start reporting to the credit bureaus. This has not yet taken place. I have called numerous times over the last month to get this taken care of and my calls go unanswered nor will XXXX XXXX return any of my voicemails. Because this loan was reaffirmed, it has survived the bankruptcy as a valid mortgage and needs to reported as such. Payments to my mortgage company were always made on time prior to, during and after the bankruptcy and should accurately be reporting as such.
Consumer complaint received 2018-03-14
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Incorrect information on your report — Account information incorrect
Company: Ad Astra Recovery Services Inc (TX)

AD Astra Recovery services purchased this debt when in fact the account had already been closed and the contract was cancelled. They are trying to illegally re-open the debt that is over 7 years old. It needs to be removed off of my credit report.
Consumer complaint received 2018-03-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A. (GA)

Bloomingdales has violated my rights. Bloomingdales has failed to provide proof that this account belongs to me. I will be consulting with a consumer attorney as well as writing the Attorney General office regarding this company. I will not pay for something that I did not authorize.
Consumer complaint received 2018-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

I began the loan modification process in the Spring of XX/XX/XXXX. All paperwork was signed and completed and returned to XXXX XXXX in XX/XX/XXXX. All trial payments were made each month for the first 3 months beginning in XX/XX/XXXX, and all payments have been made every month since. I have made multiple attempts to get my statements and credit updated to show that my account has been modified and is now current. I've left messages and sent emails to the relationship managers on my account. In the past two weeks, I have spoken with 4 different relationship managers in the Loan Modification Department ( MAP dept ) at XXXX XXXX. I still have not had any resolution. My credit report continues to incorrectly show that I'm 120+ days past due, which is significantly hurting my credit score and likely why I have a high interest rate on my vehicle loan and have not yet been able to refinance it. I also found out that in addition to XXXX XXXX not updating my loan and payments with the credit bureau, nothing has been sent to the Recorder 's office where I live. It seems that absolutely nothing was done after the paperwork was signed and returned. They confirmed on XX/XX/XXXX, that they received all the paperwork and that " it appeared '' nothing had been done after that. My rights for fair credit reporting are being violated and they need to fix the problem.
Consumer complaint received 2018-09-04
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: EVERBANK, NATIONAL ASSOCIATION (MA)

I currently have 2 personal loans against my XXXX retirement account. The earliest of the 2 was initiated in XXXX and the second was XX/XX/XXXX. Since the loan dispersement dates I have always paid back my monthly payments in weekly increments and have always exceeded the minimum payments and at times have been paid a month or two in advance. For example the minimum payment amount for the larger loan is {$440.00} and I paid {$120.00} weekly. Today I noticed in my personal bank account two debits from TIAA in the amounts of {$440.00} and {$200.00}. I called and according to their website i made 4 payments of {$120.00} for the {$440.00} due XXXX and they however applied it as " extra '' interest and principal but still I owed the XXXX payment and dectucted it from my account. 
I spoke with 2 TIAA representatives they both states that the process by which payments are received and applied changed in XX/XX/XXXX and therefore any payment smaller then the minimum would not be applied towards a minimum payment balance. They did not notify customers of this change and I was notified my loans would be in default if I did not pay an additional {$580.00} before XX/XX/XXXX. Even though more then the minimums on the loans were paid they didn't count to meet the minimum payment amount. Even though i paid {$1500.00} for 2 minimum payments of {$440.00} ( total due was {$890.00} ) I was told it didn't count because of their internal change in process and I needed to come up with an additional {$580.00} to avoid default and that i was currently delinquent. 
This company sends me messages both on their internal website and my personal email of all my weekly payments confirming receipt and they have been processes. I have no notification that there was a process change and that I still had a minimum balance due or that my loans were in jeopardy. The Company states that it needed to make process changes to be in compliance with the loan agreements signed by myself. I have no problem with practice changes but feel a notification should have been given to their customers effected. I have been making my payments in this manner for years and have always been on time or early.
Consumer complaint received 2018-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (TX)

My accounts got sold from the department of education to the XXXX XXXX   with out my knowledge. Showing in my credit report as transferred-closed accounts. When looking at my account balances, nothing matches and its off balance. I continue to spend hours with the department of education, XXXX XXXX, and do a number of disputes and nothings gets updated. Even having the documents with the statements showing the correct balances. When you ask XXXX XXXX to correct your information with the credit agencies, they ask you to dispute it. But when you dispute it with the credit agencies nothing gets changed. Its a circle of never ending and nothing gets done. My credit report is saying one thing and the letter from XXXX XXXX is saying another. When applying for a home loan for example I cant even prove the true amount that I owe because of what my credit report shows. Some Late Payments reported that are not late. XXXX XXXX informed me that because of the deferment they would remove all late payments from the credit report and they didn't. False information. Even after the deferment was in place and payment date was established and not due yet, they continued to report late payment on some accounts. " They update the amounts and still incorrect and reported late payment on a account that is not due '' just not right and told me I needed to talk to the credit agency and dispute the error and that can take 30 days to see if they can resolve it if the error is correct.
Consumer complaint received 2018-01-26
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)

XXXX XXXX have reported that I have opened an account No. XXXX on XX/XX/2013, for a line of credit of XXXX XXXX Dollars ( {$100.00} ). 
XXXX  clamied that I made a purchase for XXXX Dollars ( {$40.00} ). 

I did not open the account. I did not make purchases from XXXX. Also, I received no bills or any information from XXXX indicating that I owe XXXX any due and outstanding amounts. 

I only found about this account when it showed up as a negative mark on my credit report. I wrote to XXXX to request more information or copy of the bill. XXXX failed to respond. 

I disputed the matter through XXXX credit agency. XXXX refused the dispute and affirmed the negative account. 

I request XXXX to produce the charges I made and XXXX bill that it had been sent to my address of record. XXXX failed to do so and should remove the negative report.
Consumer complaint received 2018-01-26
Product: Debt collection — Payday 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: Bronstein & Weiss Arbitration (TX)

A XXXX XXXX XXXX called me to tell me I committed Check Fraud and threatened to take me to Jail. Says that XXXX is suing me because a {$200.00} loan that I took online went into collections and they had to pay for it. Says I would be taken to jail and I would have no bond and I wouldn't be able to speak with my family.She sounded professional enough, saying that I would have a police officer visit my home, and I better have two forms of Identification, along with other nonsense. FOR XXXX DOLLARS. Called my brother, whom he she said was my dad and called me by a name I don't even go by. Will be calling XXXX directly to get this solved. Spoke with my lawyer he says he will resolve this issue. 

Name of her " Firm '' : XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-29
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST (CA)

During early XX/XX/XXXX I signed over papers to turn my XXXX XXXX account in Bank of the West into a regularly account in my possession. This is through Bank of the West Investment services for my account. They said it would be done within a week however ever since then I have not been able to access my account. I have called almost every day with no reply. This was done with XXXX XXXX as the person who handled it however he has stopped replying to my calls.
Consumer complaint received 2018-01-29
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (LA)

In XX/XX/XXXX I had 2 online payday loans from XXXX XXXX XXXX and XXXX, which I'm sure both were paid in full. But I noticed on all 3 of my credit reports that Midwest Recovery Systems was trying to collect on these paid debts. They are stating the I owe {$1300.00} to XXXX and {$2200.00} to XXXX XXXX XXXX which is not possible. I have disputed this will all 3 credit bureaus and I've also sent them a certified letter requesting validation of these accounts as well as a cease and desist, I requested that they only contact me by mail. I sent the certified letter on XX/XX/XXXX and I have not received anything from this company. They never sent me anything validating these accounts before adding them to my credit reports, I've only received harassing threatening phone calls from this company, they even called my employer and aggressively asked all kinds of personal questions about me, when I got to work I called them back and explained that I could not except personal calls at work, the guy threatening me with a lawsuit and hung up. This company calls me from numbers all over the country and I block them all. My next step is to file a police report against Midwest Recovery Systems.
Consumer complaint received 2018-03-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (NY)

XXXX XXXX, I had loveloft credit card ( that I have never had one ) I wish to call your attention to an issue regarding my loveloft credit card that I have till this day never received. I received a statement onXX/XX/XXXXregarding payment of a bill of {$300.00}.

While I was shopping for I was approached by one of the sales representative who adviced me to apply for a credit card which required my social security number.

While I was shopping for a necklace which is XXXX  $ and earring : XXXX  $ .during XX/XX/XXXX summer ; l havent received any call, any notice bill, any email.bank and loft company didnt communicate with me.

I m surprise to see the XXXX  $ bill. Still this date I have not received any credit card supposedly applied for.

I m shocked to receive this bill, I cant effort to pay this money that I m willing to pay necklace and earings ... I dont recognize this exorbitant bill.

I called XXXX XXXX where is located at OHiO, customer representative even didnt listen to me, while I was complaining about situation, she started yelling at me and insisted that I have to pay cuz its too late I already rang them over the phone she threatened me in ugly way cuz of I was looking for a number to call ..how come you can insult someone just because I had a call? I even dont know where is my credit card its effecting my credit score! I need urgently to understand and whats going on ...
Consumer complaint received 2018-03-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENOVA INTERNATIONAL, INC. (VA)

On XX/XX/2018 I sent an email to CashNetUSA revoking authorization to automatically withdraw funds from my checking account. On XX/XX/2018 I received an email confirming that They had received my email. On XX/XX/2018 CashNetUSA automatically withdrawed {$180.00}. I called on the morning of XX/XX/2018 and let them know that the payment was pending and they said that if it went through they would reverse it immediately. I have called 5 times since then and have been lied to about refunding me the money. Ever time I call they apologize and admit their wrong doing but still have not refunded my money. My email clearly stated the revoking of authorization of withdraw from my checking account.
Consumer complaint received 2020-03-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (VA)

This Charge-off appeared on the file that XXXX  keeps under my social security number. I have an extended fraud alert under XXXX  due to identity thief. Due to this I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with ENHANCED RECOVERY CO and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number