davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-08-08
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: EQUIFAX, INC. (TN)

On XX/XX/XXXX, I've sent Certified Mail letters ( my identity theft affidavit with my signed and stamped police report ) to Equifax : XXXX XXXX XXXX XXXX XXXX, XXXX  : XXXX XXXX XXXX XXXX XXXX and XXXX : XXXX XXXX XXXX XXXX XXXX, regarding a fraudulent opened account. 

The account that was to be removed : XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$0.00}, and a high balance of {$36000.00}. 

On XX/XX/XXXX, well over 30 days later, I sent in an Affidavit of Truth & Facts by Certified Mail regarding the left on fraudulent XXXX XXXX account to Equifax : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX and XXXX  : XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX I am now sending in complaints to the FTC, and the Consumer Financial Protection Bureau about the still left on account.
Consumer complaint received 2018-08-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (PA)

My taxes has been taking out for the last the 5 years as a result they stated that all funds where being paid to the department of education which it is still showing negatively on my credit report and it should be removed.
Consumer complaint received 2018-08-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS) (TX)

chex system is reporting that i have non-sufficient funds -activity owed has been paid. The information they are reporting is preventing me from opening any accounts with other banks. so please send me the information that they are using to verify the informationthat are reporting.
Consumer complaint received 2018-08-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (FL)

I have sent several Debt validation letter and All i ever get back from the company is that they have confirmed my name and address and amount. This is not proper verification as to confirm that I have a debt with them. Or does it confirm that they Legally own the debt.
Consumer complaint received 2018-08-08
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NAVY FEDERAL CREDIT UNION (FL)

After I got a new phone number I started getting calls about some past due account. I looked up the phone number and it was for Navy Federal Credit Union. I called them and told them I've never had an account with them and they confirmed it but they continuously call my phone number about it. When I answered today someone hung up on me. When I called back the lady said she couldn't find any record of me in the system but gave me the run around and wouldn't connect me to someone from the debt collections department. She pretty much told me she's sorry but she can't help me.
Consumer complaint received 2018-08-08
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bonneville Billing and Collections (GA)

There was a collection call from : Bonneville Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. 

I was not notified that the call was an attempt to collect a debt. I recorded the call. The woman on the phone did not indicate that it was an attempt to collect on a debt prior to asking me private information. She was harassing me asking if I had a daughter named XXXX. I was not in Utah during the time the debt was incurred and the bill was in my name with a fraudulent address. I questioned the validity of debt but got no where and the caller made threats of making repeated calls in a rude an abrasive manner.
Consumer complaint received 2018-08-08
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: DISCOVER BANK (IA)

Date : Sun XX/XX/2018 Amount : {$170.00} Company : Discover There was a transaction about XXXX and I filed a dispute about the incorrect charge. After receiving the dispute, XXXX rightly cancelled my hotel reservation without notifying me about anything. I contacted Discover to increase the dispute amount and hope to get the entire charge back since the transaction is no longer valid. 
However, Discover refused and kicked the ball to XXXX. Discover customer service said, " you can only dispute once. There is nothing we can change and do to help you. ''
Consumer complaint received 2018-10-26
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I started monitoring each bureau and quickly noticed that because my XXXX XXXX DOES NOT HAVE A LIMIT any money I spend on it that should ever happen to get reported to the bureaus for the month is subtracted from the amount my other cards report this is to calculate a " FICO ''! So the FACT I HAVE A CREDIT CARD WITH NO LIMIT THAT GETS PAID OFF IN FULL MONTHLY SOME HOW BRINGS DOWN MY " FICO ''! Now the story is only going to get worse but thankfully I have over 25 pages of evidence to prove my nightmare experience! For REASONS EVERYBODY CAN NOT UNDERSTAND, EXPLAIN OR FIX! EVERYONE being TRANSUNION, XXXX AND XXXX ... as well as XXXX XXXX! There was a set monthly payment of {$14000.00} being reported and a credit card limit of {$29000.00}. The number they have been incorrectly reporting for months is my high balance for one month! Where the {$14000.00} monthly payment came from IDK! When I review all the reports I notice this XXXX XXXX shows up in the derogatory account section on all three as well! But the " Status '' hasn't been updated for the account since XX/XX/2012 just the " Balance '' has! SO based on this NIGHTMARE I STILL HAVE NO SOLOUTION TO I had to pay cash for my condo in XXXX XXXX because based on the bureaus I AM A HIGH RISK! I feel I should get the Hard inquires I got while trying to get a mortgage loan removed because the information WAS NOT AND STILL IS NOT ACCURATE! I HAVE BEEN DEALING WITH THIS FOR ALMOST A YEAR AND THEY EACH HAVE BEEN NO HELP ONLY HINDERANCE!
Consumer complaint received 2018-08-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

I keep getting call from SLS Servicing saying that they have not received payment even thought they got the payment and process it. The first time this happen, I call to find out that when they call, they were processing the payment and did not know it came in. I am XXXX year old and this constant harrassment of a payment that is sent to them every month is taking a toil on my health and causing me to worry unnnecessary. The payment is not late but they want to call and harass me.
Consumer complaint received 2018-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ABR Recovery Services LLC. (CA)

ABR Recovery Services LLC continues to NOT address the second account they are reporting with XXXX. Attached is a copy of my credit report with the 2nd account information that is incorrect that ABR refuses to address. ABR has never even written me on this account. As you can see on the attached report it shows the account was opened on XX/XX/XXXX which is NOT correct. They are showing a Date of 1st delinquency of XX/XX/XXXX which is NOT correct as well. ABR recovery services keeps responding with the first account dates and have not addressed the fact they are reporting two delinquency accounts to XXXX, not just the first one. This second account was opened falsely and illegally as debt that I owe from XX/XX/XXXX. I have not owned an XXXX account in XX/XX/XXXX. Please remove this second account and stop reporting it to XXXX with incorrect and false information. My next step is to get a consumer debt lawyer and sue ABR Recovery Services LLC over false reporting, Re-aging past accounts and punitive damages. I will also contact the Attorney General in California over this account that is not being responded to. I will complain every single day until ABR Recovery services actually reads my documents and acknowledges the mistakes made in their reporting. If ABR recovery has been given false information from previous collection agencies, they should be fixed properly with the proof I have from HSBC. I'm asking ABR Recovery Services LLC to seize reporting re-aged accounts on my credit profile. 
I AM ASKING YOU TO READ MY CREDIT DOCUMENT SHOWING A 2nd ACCOUNT WITH A FALSE ACCOUNT NUMBER AND FALSE DATES, REPORTING THE SAME {$1200.00} as the FIRST ACCOUNT.
Consumer complaint received 2018-08-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (NJ)

I opened a XXXX XXXX Credit Card from XXXX XXXX in XX/XX/XXXX in response to an offer for XXXX bonus XXXX Miles for spending {$3000.00} within the first 3 months of opening the card.The credit card application stated that if I currently did not have an XXXX Miles membership number to fill in, the field should be left blank, and XXXX XXXX would contact the applicant to complete the XXXX Miles membership. I completed the spending within the three months, and paid the annual fee of {$95.00}. 
Upon completing the spending, the XXXX bonus miles showed up om my XXXX XXXX credit card statement, but it has been almost 12 months, and they never posted to my XXXX Miles account. Initially I contacted XXXX XXXX, since I never received an XXXX Miles number, or any indication that my miles has posted to XXXX Miles, and was told that I should manually obtain an XXXX Miles membership number, add it to the account, and the bonus miles would then post. I obtained the XXXX Miles number and added it to the account, but only subsequent miles earned, XXXX miles to date, have posted. The XXXX bonus miles and XXXX spending miles never posted. I contacted XXXX XXXX numerous times over the next few months and each time was assured that the miles would post upn the close of the next statement. 

Finally, in XX/XX/XXXX I was told that since there was a problem with the XXXX Miles number originally, I would not receive the XXXX miles, only the new miles I would earn in the future. 

On XX/XX/XXXX I sent a letter to XXXX XXXX indicating that they were not honoring the terms that were promised to me when I opened the account. On XX/XX/XXXX I received a response that the problem had been corrected and my XXXX Miles account would now reflect the correct balance. 

Unfortunately this was not true, since my XXXX Miles account continues to show only the XXXX miles earned after the initial issue. The XXXX miles has not posted. On XX/XX/XXXX I sent a follow up letter, but received only a form letter in response indicating that I could initiate a complaint by sending a letter. It has been almost a year and I am frustrated that my issue has not been resolve despite numerous assurances from XXXX XXXX that it would be.
Consumer complaint received 2022-09-13
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: EQUIFAX, INC. (CA)

This is my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


The following account need to be removed as they are fraudulent. 

XXXX  XXXX XXXX  XXXX Date Opened XX/XX/2015 Balance {$440.00}. 

If you claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

Please note Im sending this letter certified to protect my rights. Ive researched online that you make a habit to not comply with the above listed FCRA statute. If you choose to ignore my request to block these accounts I will be referring this matter to my attorney for further action. Please do not make this a litigious matter Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2018-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ),  XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) ( XX/XX/XXXX )
Consumer complaint received 2018-06-30
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Neon Newco Corporation (VA)

Netspend prepaid cards, they have many XXXX XXXX, XXXX XXXX, XXXX, seversl others. As we all know it is Netspends and others job to fund your card, hence the name PRE-paid. Ive called several times, they say no thats not how it works. Will charge you for not using the card. Just a pkoy for ne and others to drain funds
Consumer complaint received 2018-08-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Amscot Corporation (FL)

Amscot withdraw the money from my account and then they stated that they placed the money back in my account now there calling me 20 times per day harassing me for a payment that was already submitted. They have been literally calling me over and over again for several months. 
Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Hours : Open 24 hours Phone : ( XXXX ) XXXX
Consumer complaint received 2018-08-08
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Fidelity National Information Services, Inc. (FNIS) (PA)

I am contacting you to see if you can help me resolve a problem that has been stopping me for years from getting back on my feet. I am a XXXX year old woman. The short story is that, between XXXX and XXXX I was scammed out of more than {$100000.00} by fraudulent lenders. I had a screening process in place which obviously was ineffective, so I continued to believe that the lender I was dealing with was honest. The problem I need help with is that several of those lenders contacted me and agreed to give me the loan. Three or four times, their method was to tell me they would be depositing a check into my checking account to verify it was authentic. Once the check cleared, I was to withdraw the amount of the check and wire it back to them which was when they would be transferring my loan. Each time, the check bounced a few days later. As a result, both the bank and I lost money. The last couple of times, I contacted the bank to make sure the check had cleared. I was assured it had so I did withdraw the funds and wire them back to the " lender ''. I never got a penny from any of them but the worst thing was that, eventually, I was listed on ChexSystems (? ) and I have not been able to open any kind of bank account for the last two years. I did not make a penny from the transactions and, although it was my checking account, the bank did clear the checks before I withdrew the amount of the check. I have receipts for just about every penny that I was scammed out of online. In fact, I have been notified that I will be getting a decent amount from a suit the government has done with XXXX XXXX regarding their participation in these scams. I hope there is someway you can give me to get this cleared up and my name removed from ChexSystems so I can open a checking/savings account. Thank you.
Consumer complaint received 2015-03-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC (TX)

On XXXX XXXX 2014 I came to an agreement with XXXX with XXXX XXXX to pay a total of {$900.00} at {$50.00} a month. Agreement number XXXX. By XXXX XXXX that debt had been sold to Pinnacle Credit Services, who placed it with XXXX and XXXX. XXXX and XXXX has drafted {$50.00} out of our account every month since. Pinnacle placed something on our credit report. Today when I called to verify the balance, I was told there was no payment agreement and the balance was {$720.00}!
Consumer complaint received 2018-06-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Americas Car-Mart, Inc. (MO)

XXXX XXXX XXXX is reporting inaccurate information regarding an alleged late payment. We were never late on this account. I have disputed this information with XXXX XXXX XXXX and they have claimed to verify the information as accurate. However, I was able to locate the agreements signed by an account representative of their company which moved the seasonal payment due date and receipts and confirmation numbers showing we continued to make our regularly scheduled payments during this time. The seasonal payment is a flexible payment that is contingent upon when customers receive their tax returns back from the federal government, in which consumers have no control over. A payment can not be late is the due date is modified in writing by a representative of this company. XXXX XXXX XXXX continues to report this inaccurate information despite my dispute, and efforts to bring a duty to report information accurately per the Fair Credit Reporting Act to their attention. I have disputed this information with the Credit Bureau, XXXX, as well who has also claimed to verify the information as accurate when in fact it is not, and the enclosed records provided to both companies proves this. However, they continue to report this inaccurate information in violation of my consumer rights under the Fair Credit Reporting Act.
Consumer complaint received 2018-06-26
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 (NJ)

Wells Fargo Fraud Claims Department will not process my fraud claim, and asked me to fax my claim its Reconsiderations Department. I filed an FTC Identity Theft Report, and was told by a supervisor named XXXX in the Fraud Claims Department that I could be liable for fraudulent purchases made on my account after I made a payment on my account. Mind you, both payments made were on concurrent days, one by phone and one online, and neither payment would show me account activity that could have alerted me to potential fraud. Further, I am being told, when similar fraud has occurred on my other credit cards, as in an entire account take-over, those fraud claims have been resolved, yet Wells Fargo tells me it will take 30 to 45 business days to resolve this claim. I am currently applying for mortgages and can not have this high revolving credit account appear on my credit report and bring down my credit score, affecting the kind of mortgage I could possibly get. In addition, I have sent proof to Wells Fargo verifying my whereabouts when certain fraudulent charges were made, making it impossible for me to have made these fraudulent charges. Please help me have Wells Fargo resolve this claim timely so I can apply for a mortgage and get the best rate possible, keep my credit score intact, and allow me to regain control of my life. The Reconsiderations Department at Wells Fargo does not have a telephone number where I or my Consumer Protection Attorney can contact them to discuss this claim, as I want to be proactive and not reactive, especially given the large money amount involved and the extent of identity theft with this and my other credit card claims.
Consumer complaint received 2017-02-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: CORELOGIC INC (OH)

Under Public Records of the " Credco Instant Merge Credit Report '' ( page XXXX of XXXX ) names a " State Tax Lien of {$40000.00} '' ; filed XX/XX/XXXX, Court Docket # XXXX. Data Source if XXXX, XXXX. This is INCORRECT INFORMATION, THERE IS NO SUCH TAX LIEN!