davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX TN XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX  XXXX FL XXXX Employers : XXXX XXXX Late XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX Inquiries : XXXX XXXX XX/XX/year>
Consumer complaint received 2018-01-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NJ)

I have disputed three medical debts with Transworld System that are according to my credit report, over five years old and reporting as collections accounts. These are the only collection accounts I have and wsnt them to be removed. The collection agency has not responded with validation, these are not my debts.
Consumer complaint received 2018-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

I have sent letters to the three credit agencies ( Equifax, XXXX, and XXXX ) concerning my negative items on my credit report on XX/XX/2017 and neither have sent me information verifing my negative items bearing my name.
Consumer complaint received 2018-01-21
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. (CA)

I started to monitor my credit with Experian.com and noticed a few information that i did not recognize. I realized that there are inquiries on my credit report that i did not allow to be placed. I did not give anyone the OK to use my credit. I have listed the inquiries along with the dates of each individual inquiry.

XXXX XXXX XXXX ( XXXX XXXX,2017 ) XXXX XXXX XXXX ( XXXX XXXX,2017 ) XXXX ( XXXX XXXX,2017 ) XXXX XXXX ( XXXX XXXX,2017 ) Experian XXXX XXXX XXXX ( XXXX XXXX,2017 ) I spoke to a customer service representative from Experian and XXXX so that the inquiries can be removed. The inquiries are still reporting on my credit report. I do not know what to do, i have even spoken to a supervisor but they will not help me.
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (GA)

On XX/XX/XXXX I reached out to XXXX XXXX ( Incident XXXX ) notifying them of my repeated attempts to correct their billing errors. I downloaded and printed the XX/XX/XXXX bill that reflects an incorrect billed amount as well as names on the bill that is not mine. I provided a copy of my written contract and details of their errors and received a response from XXXX XXXX in writing on XX/XX/XXXX clearly stating that everything is correct. They did n't fix anything and instead stated that I will receive a late fee if they do not receive my payment in full by the due date. Since they did not wish to honor their written contract or correct the billing errors, I was forced to cancel services. Also made it clear that I was up-to-date ( clearly shown on last bill ) and would owe no monies due to their lack of interest in honoring their contract or correcting the bill and I immediate cancelled prior to their next bill. I called XXXX XXXX today and was notified they placed my account ( with the aforementioned known billing errors ) into collections with Credence. If XXXX XXXX XXXX XXXX does n't immediately clear up this matter, I will contact FTC and immediately file suit through Consumer Fraud Legal Services. Thank you
Consumer complaint received 2018-01-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Someone has applied for " XXXX '' using my information and I did not allow this to happen. When i saw this unauthorized inquiry on my credit report, I contacted the credit bureau TRANSUNION to dispute and remove the inquiry. I was told my a representative that the inquiry has been placed under dispute. I have been waiting months and I have not received any news on the inquiry. 


The inquiry was made on XXXX XXXX,2017 from XXXX
Consumer complaint received 2018-01-21
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: TRANSWORLD SYSTEMS INC (NC)

I was attending catawba college and in 2010 i took classes at XXXX in hickory. My grandmother died in 2010 and long story short my information was stolen from my mail box in XXXX. At the mediation my school loan information was used to blackmail and sue me in the will hearing. I didnt realize that my uncle had accessed my info for XXXX XXXX XXXX and they allowed him to change the address and contact info to his information He then had the info mailed to his home. Now i havnt been able to access the info at all and am in collections. I was told that because i couldn't verify the info i was unable to access the loan. In addition to that 4years after leaving XXXX i find out that they believe i owe them money. However i went the entire year at the school and no one said anything about misfiled paper work. I now have a judgement against me and i can not get ANY HELP!!!!! I have over 100K $ in debt that i am not allowed to pay! My identity has been compromised.the only school loan that has not been affected is from XXXX XXXX.
Consumer complaint received 2016-12-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (NY)

I am filing this complain because XXXX has ignored my request to provide me with the documents that their company has on file that was used yo verify the accounts I disputed. Being that they have gone past the 30 days mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank You
Consumer complaint received 2018-01-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have a a unverified account from XXXX XXXX XXXX XXXX XXXX. I had previously disputed this account with XXXX XXXX XXXX XXXX. I have never done business with your company or XXXX this account was never verfied and was deleted from my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX
Consumer complaint received 2018-01-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: WELLS FARGO & COMPANY (AZ)

My Wells Fargo credit card is currently past due and over the credit limit. I do not currently have the funds to make the payment and am waiting until I get paid again to bring my account back in good standing. Wells Fargo card services has repeadetly called me to the point of harassment and has not given me an opportunity to speak with a representative in order to inform them of payment intentions or request that they stop contacting me. I have documented below all of their calls that I have received within the past 7 days. 
XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX This totals 18 calls in the last 7 days. Up to 5 calls per day. 
I have received 2 letters in the mail regarding this same matter. I have made 5 different attempts to contact Wells Fargo Card Service at the phone number ( XXXX ) XXXX, ( not including the attempts that I made when answering these harassing phone calls ), and one attempt to contact Card Services at their regular customer service phone number ( XXXX ) XXXX, in order to inform them of my payment intentions and request that they stop harassing me since I am well aware of the debt that I owe. All of my attempts have been unsuccessful. When I ask to speak with a representative I am told by the automated system that my call is being connected to a representative, however the line then goes silent and after holding, the call drops. I will be submitting a written request by mail that Wells Fargo Card Services immediately stops contacting me regarding this matter.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

On XX/XX/XXXX I withdraw {$1000.00} from XXXX XXXX. The teller asked me to swipe my driver 's license on their machine before she gave me the money. Because, she did not gave me a receipt of the transaction I asked for one. She gave me a balance inquiry instead of a receipt. The balance inquiry showed that on last processing date XX/XX/XXXX the balance is $ {$2000.00} and on XX/XX/XXXX the available balance is {$1000.00} after the withdrawal of {$1000.00} The teller should have given me the transaction receipt so the correct amounts on XX/XX/XXXX and XX/XX/XXXX were correct. The processing date should be XX/XX/XXXX, the beginning balance should be {$2000.00} and the available balance after the withdrawal is {$1000.00}. 

The teller should not have asked me to swipe my driver 's license in their machine. I used a withdrawal slip to withdraw. I believe that my driver 's license and my account were compromised. I believe the teller and the bank tricked me.
Consumer complaint received 2018-01-20
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)

Currently a discharged bankruptcy is being reported by Experian and XXXX after several disputes have been made due to improper validation of this public record. The court that filed the chapter XXXX bankruptcy stated they do not validate any public records filed ; which leads to improper reporting. The chapter XXXX was discharged and filed in XXXX  2011.
Consumer complaint received 2018-01-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Cooling & Winter LLC (GA)

In XX/XX/XXXX, attempted to reach out to company that was reporting a closed account debt. Company has called my place of employment and personal phone. I sent certified letter asking company to validate debt, but only received copies of credit card statements.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY (CA)

American Express has been fraudulently charging a different charge to my account every other month. Each of these charges are from a different one of their ( American Express ' ) subsidiary companies. See attached. While they are eventually reversing the charge when I complain, I suspect that they are doing this as people may not notice the occasional charge and ask for it to be reversed. The reason that I notice it, is because I do n't use my card, and these are the only charges that are on the account. I want to cancel my card, but I cant as I am constantly having to reverse the latest charge. There is nobody else other than American Express themselves who are doing this, as fraudulent individuals would not be generating different subscriptions to magazines or services owned by American Express every other month.
Consumer complaint received 2018-01-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (GA)

On XX/XX/XXXX a certified letters was sent to XXXX XXXX XXXX XXXX for accounts XXXX in the amount of {$570.00}. Attempts to acquire proper validation for this debt has not been met.
Consumer complaint received 2018-01-20
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (NH)

Pennymac Loan services has been charging my loan account " home inspection fee '' since 2015. In XX/XX/XXXX, Pennymac hired XXXX to go to my property and change locks on my residence. As a result, I was unable to enter my residence. I have been living outside my residence since.
Consumer complaint received 2018-01-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (NY)

Received letterXX/XX/XXXX/18 indicating a debt on a XXXX account. Does not indicate XXXX account information, SSN, or any other details to validate the debt. I checked my XXXX account, and there is no problem as it is linked to my bank account. 

XXXX XXXX XXXX XXXX . 
Creditor : XXXX, XXXX
Consumer complaint received 2018-01-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

XXXX XXXX was sold an account from XXXX XXXX and has been reporting Account number XXXX with a amount due of {$3400.00} on my credit report. In XX/XX/XXXX and XX/XX/XXXX, I sent XXXX XXXX numerous debt validation letters via certified mail and they have not followed the FDCPA and provide me with the following : Validation of Debt Request, Proof of you right to/collect this alleged debt, balance claimed including all fees, interest and penalties, contract being my personal signature, license proof to collect debts in my state. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX and they removed them from my credit report, however, within days XXXX XXXX was added back to my credit report. On XX/XX/XXXX, XXXX XXXX XXXX XXXX sent me a letter, on behalf of XXXX XXXX, trying to collect the debt of {$3400.00}. In the letter it states " because of the of the age of your debt, XXXX XXXX will not sue you for it. '' I sent debt validation letters via certified mail to XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX and XX/XX/XXXX. However, they have not followed the FDCPA and provide me with the aforementioned documentation. I sent all three credit bureaus a copy of the debt validation letters I sent to XXXX XXXX XXXX XXXX and they removed XXXX XXXX from my credit report, however, within days XXXX XXXX   was added back to my credit report.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FIRST CITIZENS BANCSHARES, INC. (SC)

I opened an XXXX account and a bank that I am not famaliar with is listed on my account. I contacted the BBB and this bank is not accredited. I have a block on my XXXX account.
Consumer complaint received 2018-01-20
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: LendKey Technologies, Inc. (CA)

On a few different occasions my direct pymt for my loan had insufficient funds due to the timing of my deposits which I have since fixed. My complaint is that on the first of the month, Lendkey auto deducts from my acct. When there is insufficient funds, they say they will make a second attempt. The funds have been immediately available once I have received a notice of insufficient funds. However, their second attempt is not made until it is past the due date and they then charge me a late fee. I am struggling enough to make ends meet and I find this practice immoral and not sure if it is even legal. If I do a manual one time pymt, they end up going into my account for the second attempt ( which is always at the time where they can then charge a late fee ) and take the money anyway and XXXX up my account even further.
Consumer complaint received 2018-01-20
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (OR)

I contacted Synchrony Financial to inquire about application of payments to promotional offers with different expiration dates. My contact correspondence is below:

--- Original Message ---
From: "XXXX XXXX XXXX" 
Received: XX/XX/17 XXXX XXXX MST
To: XXXX
Subject: Other Inquiries

I have two balances with different expiration dates. One expires in twelve months. The other expires in six months. How will my payments be applied to the two different balances with different expiration dates? Thank you.

--- End of Original Message ---

Synchrony Finanacial responded with:

Thank you for your recent inquiry regarding your Synchrony Bank account, and the opportunity to be of service to you.
If you would like the specifics how your payment is allocated or for additional information regarding multiple plans and/or promotions, please call customer service at XXXX.

--- End of Response ---

When I called the number I found it was unavailable during the times available to me.

I responded using the Synchrony Financial website mail form indicating I was requesting the Comptroller of Currency investigate why Synchrony Financial does not provide information on its web site describing how payments are applied to promotional balances due with different expiration dates.

The Office of the Comptroller of the Currency responded advising me to contact the Consumer Financial Protection Bureau.

Since my initial complaint to Synchrony Financial, I received in the mail a written response from Synchrony Financial stating "We will apply the required totalminimum payment to balances on your account using any method we choose."

This payment application strategy allows Synchrony Financial to apply all payments to balances with a greater expiration date while balances with earlier expiration dates go into default thus incurring non-payment penalties and a significantly higher interest rate.
Consumer complaint received 2018-01-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (MI)

On XX/XX/XXXX i was served bank garnishment papers on collecting a XXXX balance on a private student loan. Back in XX/XX/XXXX and XX/XX/XXXX I reached out to my credit report bureau and was told they couldn't locate the debt or find any contact information for the original lender. I then found an artical that XXXX XXXX XXXX XXXX trust was being sued and while under investigation they aren't legally allowed to collect on any of the accounts due to lack of records. I was told by the credit bureau XXXX that it would be removed and was after they completed there investigation.
Consumer complaint received 2018-01-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (MS)

I have sent in verification letters on XX/XX/2017 to XXXX and Experian asking them to verify the negative items or remove them, and they have done neither to my report.Have not recieved my report from XXXX that I asked for during this time.
Consumer complaint received 2018-01-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP (CA)

In XX/XX/XXXX I got an offer from U.S. Bank to open a checking account and get the promotional bonus of {$200.00} after I make the monthly direct deposits. 
So I applied for the GOLD checking account and did enter this promotional code XXXX on my application on XX/XX/XXXX as required. 
Moreover, their rep called me several days later to check on some details, and she confirmed this account would be eligible for the promotional bonus promised. 

However, after I had met all requirements, they declined the bonus as they allegedly could not find this promotional code on my application.