davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-25
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (AZ)

In XX/XX/year> i filed for XXXX XXXX XXXXXXXX and was approved. Then on XX/XX/XXXX i got injured at work had a XXXX from XXXX XXXX XXXX XXXX XXXX on the XXXX of XXXX. Then had XXXX on the XXXX of XXXX for my on the job injury. A week later i received a check from workman 's comp due to the injury, then a couple days later I received a check from XXXX so i called both XXXX and workman 's comp they are the same company XXXX both representatives i spoke to said they would look into this then i called my HR department she said she would look into it as well so i call corporate and was told i applied for XXXX so i could keep it, i did not think that was right so i kept calling XXXX and workman 's comp but could not get answers so figured it was taken care of. Tell 4 months later got a letter from XXXX that i had an over payment. This is just not right after what i was told also called XXXX spoke to a total difference person she told me she fully understandable on what i told her but it was out of her hands. I feel this is unfair, i do have names of all the people i spoke to as well. The amount is {$5300.00} the collection company is AWA COLLECTIONS REFERENCE # XXXX I SENT THEM THE LETTER OF EXPLANATION ALSO WITH ALL THE INDIVIDUALS I SPOKE TO
Consumer complaint received 2017-07-18
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. (IL)

Macy 's refuses to remove unverified and inaccurate information on my credit report. I have disputed this account information as inaccurate with them several times and they were never able to validate this account. I was given no evidence of my obligation to pay this debt to this credit card company.
They are scammers targeting elders like myself that they perceive to be vulnerable -- those that are isolated, lonely, physically or mentally disabled, unfamiliar with handling their own finances.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. Im also contacting   XXXX   XXXX   XXXX   for help.
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA.
Consumer complaint received 2024-10-25
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The J. G. Wentworth Company (FL)

XXXX XXXX XXXX XXXX of Contact Center Operations** JG Wentworth XXXX XXXX XXXX XXXX XXXX PA XXXX RE : XXXX XXXX acct XXXX XXXX **Subject : Formal Request for Contractual Fulfillment Dear XXXX XXXX XXXX XXXX XXXX, I am writing to address significant concerns regarding JG Wentworths handling of my account under the debt negotiation program, initiated on XX/XX/year>. For six months, I have made timely payments totaling {$1500.00} in good faith, per our agreement. However, despite my commitment, I have received little meaningful communication or updates about the progress on the two debts your company agreed to negotiate.

Throughout this period, I have reached out repeatedly, only to receive inconsistent responses from contact center representatives. In our most recent communication, I was informed that one of my accounts is now considered a scrub account, a designation suggesting little to no likelihood of successful negotiation. The negotiating team was asked for updates on both accounts and only sent one response.Meanwhile, I have received no substantive information about the second account. What does scrub mean???? How is it that your reps do not provide a proper explanation and a client has to chase to get a repsonse? I have asked for a manager to repsond and the reps will not escalate?
Consumer complaint received 2024-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Community Health Investment Company, LLC. (TN)

I am a victim of Identity Theft, Police report # XXXX and Professional Account Services contacted me about them buying my personal information claiming a medical that does not belong to me. I am stressed that my personal information is being used and duplicated for bills I do not owe. Professional Account Services got a letter from me with 30 days to reply with why my information was purchased and that I was a victim to identity fraud
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (CA)

CHASE bank took a 'fee ' that had not been approved by me - for {$12.00} because XXXX of my accts didn't have auto-deposit set up. This was arbitrary ; had not been done before and I was not told about. I protested and they refunded it only to do it again in XXXX. So I set up an auto-deposit to this acct at {$1000.00} and asked for my $ back - since # XXXX I was not told about this in all the years I've been there ; XXXX. It was arbitrary and causing financial distress to a XXXX XXXX XXXX ( financial abuse of an elder ; taking $ without approval, knowledge or permission is theft.

Repeated requests for this to be forwarded to their LEGAL dept rather than my going to the media ( surely others are being inappropriately charged = class action imminent ) ignored. Acknowledgement of auto-deps set up to satisfy them - ignored. Explanation as to why this fee popped up after years of NO fees? Never given. It's theft, abuse of an elder/senior citizen, limited income individual with XXXX accounts with XXXX for XXXX decade. Again - I was never asked ; was never informed as to options to avoid this ; I was XXXX XXXX XXXX XXXX escalated to felony 'financial abuse of an elder '
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Adler Wallach & Associates, Inc. (GA)

Back in XX/XX/XXXX. XXXX reported false information on my credit report. This issue was on going all the way until XX/XX/XXXX. Someone from the Home mortgage consultant claimed the issue was revolved. Here it is as of XX/XX/XXXX. How is the same information is reported with something new to the same closed account which been closed for some years saying I own a balance and trying to make resolve an account thats not mines to include this information is reported again on my credit report. The amount owed is {$1800.00}. XXXX and they have sold or traded my information to AWA Collections and requesting I pay a balance of {$610.00} amount and a balance of {$710.00}.
Consumer complaint received 2024-10-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP (CA)

" After banking with US Bank for XXXX years, they abruptly closed all my checking accounts and credit cards without any prior notice, whether by phone or mail. This has left me unable to make any payments. I received a letter afterward, which vaguely referenced their terms of service as the reason for the closure. No one from the bank is willing to communicate or provide further explanation. ''
Consumer complaint received 2017-07-17
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: EVERBANK, NATIONAL ASSOCIATION (ME)

EverBank failed in the first complaint to address the issues in the   XXXX   XXXX  , 2017 letter sent to their attorney 's. It appears that they find the issue of past debt associated with securing the said property irrelevant. Their attorney 's filed the letter ; a signed document away as though it was a trivial matter. They mentioned that a copy of the existing P & S agreement was never forwarded to them. Their attorney 's were not communicating with   XXXX   XXXX   if only they had one would have been sent. It can be shown to a judge.
The   XXXX   XXXX  , 2017 letter was a response to a   XXXX   XXXX  , 2017 letter, an invitation to dispute the amount owed on the said property. The disputed resolution is backed by legal documents, engineering reports, witnesses, photographs, itemized receipts and sections of the law. The purpose of this second complaint is to get EverBank to step up to the plate and answer the question. A debt is owed on the property, paid by   XXXX   XXXX   that has not been paid and needs to be addressed. This matter will be settled either in or out of a court of law.
Their attorney 's were told that external forces that are not visible affect this property and such maneuvers are warned against.   XXXX   XXXX   suggests that all parties read the   XXXX   XXXX  , 2017 letter again. This will be the last time it will be mentioned outside of a court room.
Bad paper is not irrelevant. The question   XXXX   XXXX   wants answered is : Is EverBank going to pay the bill for securing the said property? Do not write an evasive letter with paragraphs that rehash old news, that paints a one sided view of the findings ; or insinuates that   XXXX   XXXX   XXXX    motives are out of desperation but a simple Yes or No response.   XXXX   XXXX   has the right to seek additional damages associated with this matter. It has been over sixty days since the  XXXX  letter was sent, EverBank has yet to answer this question.
Consumer complaint received 2023-03-28
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE (NY)

I feel like because the interest rates are sky high now, as a normal class hard working family its unfair how the banks are taking advantage of us with the interest fees and all. 
My HELOC l, because its not on a fixed rate plan it fluctuates according to the federal interest rate. My payments have doubled and I am not even paying the capital. 
So banks are making money while we are loosing our homes. 
How fair is this?
Consumer complaint received 2023-08-21
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: ID Analytics, Inc. (CA)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Has Violated my rights. 

XXXX. Account Name : XXXXXXXX XXXX / Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX Account number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX / Account # XXXX XXXX. Account Name : XXXX XXXX / Account Number # XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXXAccount Number : XXXX Has Violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of c more convictions of crimes which antedates the report by more than seven years.

15 U.S. C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-11-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am paying for credit monitoring service. I am unable to use the XXXX XXXX XXXX feature which allows me to lock/unlock my credit account. I have called the company several times. Spoke to a supervisor named XXXX, she tried to help but had to escalate to tech team. I called after the 3-5 business days and everyone is hanging up on me and not helping. If they can not fix my account then give me back my money. But i need to be able to monitor my account so this needs to be fixed
Consumer complaint received 2020-03-23
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (IN)

This is a new card with Comenity bank. It is a card that is used at " XXXX  XXXX XXXX '' furniture store. The charged me a {$26.00} late fee on this account. My payment check was mailed on XX/XX/XXXX from XXXX, Indiana to XXXX XXXX, Texas. I used their envelope and payment stub. The due date was XX/XX/XXXX. I received statement today showing a late fee and I called their customer service. They were unwilling to help and would not refund the late fee. They claim they received my payment on XX/XX/2020. I asked to speak a manager. I spoke to someone new but I do not believe they were a manager. I was told it would not do any good to speak to anyone else. They would not refund the fee. This was my first payment on this account.
Consumer complaint received 2023-07-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (DC)

On XX/XX/XXXX I contacted XXXX XXXX XXXX Department to receive clarification on a rental balance from XXXX at XXXX XXXX XXXX. While speaking with the representative he mentioned there was a balance of XXXX for XXXX XXXX under XXXX XXXX, no account number was available for this account or other information and was instructed to XXXX the management company for contact information. Immediately I searched the web and found XXXX XXXX contact information. I made the phone call to XXXX XXXX on XX/XX/XXXX and was directed to contact via email XXXX and collection agency XXXX XXXX. Once I called XXXXIQ data that day with the balance reported to XXXX XXXX XXXX XXXX XXXX my name apartment location and year they werent able to locate me and said they will call me back. I then sent an email requesting information on balance and account number. I received a reply back from XXXX stating he had no account number but a balance of XXXX, which was different than XXXX  data. On XX/XX/XXXX I contacted XXXX /IQ data to inquiry on my previous call and gave the balance and my social security number, the year and name of the Apartments. The representative stated he had found the account with that balance, stated if I paid in full I can receive a deletion letter, I asked if there were any settlements available on the debt, he mentioned no and could assist with a hardship application that could help with services to assist me in the balance but I wouldnt receive a deletion letter. I was told the account didnt go to a collections company. He then told me in order to get the deletion letter I will have to pay XXXX I asked him how did the cost go up he said it was taxes and interest. I said I will call back and he attempted to keep me on the phone implyingI wouldnt want to end the call like this. It will be perceived as I dont want to pay the debt. I have nothing in writing from this company, the numbers arent accurate, thats why my attempts have been made to contact them as I am aware of money owed when I moved out in XXXX. There are to many discrepancies in the balance and unfairness and I am asking for this account to be deleted from my rental profile. The call was getting uncomfortable so and I hung up. He wanted to conduct a hardship application over the phone, then implied it would change anything. Just give me resources, I have never encountered or heard anything like this.
Consumer complaint received 2024-10-25
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC (SC)

they text me with a link asking me to pay a debt with no explanation. I dont click the link i have no idea who they are. I called the number provided and spoke with a lady that was clearly in her car driving. I asked her to identify the debt and provide original document or original creditor she hung up. The number i called is XXXX
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am filing a formal complaint regarding XXXX egregious failure to remove fraudulent accounts from my credit report. I am a victim of XXXX XXXX, identity theft, and the Equifax Data Breach, all of which have severely impacted my financial stability and creditworthiness. Despite multiple notifications and the submission of required documentation, Equifax has consistently failed to take appropriate action to correct these errors. 
Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : Equifax is legally required to block fraudulent information upon receiving notice of identity theft. Despite submitting my affidavit of identity theft, Equifax continues to report these fraudulent accounts, violating this section.

FCRA Section 609 ( 15 U.S.C. 1681g ) : I have the right to request and receive detailed verification of all accounts on my credit report. Equifax has failed to provide the required documentation to substantiate the accounts in question. Without proper verification, these accounts must be removed immediately.

FCRA Section 611 ( 15 U.S.C. 1681i ) : Equifax is obligated to conduct a thorough investigation into disputed items within 30 days. Equifax has not fulfilled this requirement, resulting in the continued reporting of fraudulent accounts.

FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Equifax is responsible for maintaining maximum possible accuracy in consumer reports. By allowing fraudulent and inaccurate accounts to persist on my report, Equifax has failed to uphold this standard.
Consumer complaint received 2024-10-01
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tuition Answer To Whom it may concern : I am sending this letter in regard to the servicer referenced above to inform you all that I am disputing this debt.

Navient, please verify the debt as required by the Fair Debt Collection Practices Act.

I am disputing this debt because the amount is incorrect.

Since I am disputing this debt in question, do not report it to the three credit reporting agencies. If you have already reported it, I am requesting that you please contact the three credit reporting agencies, letting them know the debt is disputed, and kindly ask them to delete it from my credit report. As you are aware, reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Lastly, please make notice that I do not wish to receive further telephone calls or letters, harassing me concerning this debt that is inaccurate. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your quick attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: SYNCHRONY FINANCIAL (GA)

Lowes sent me a new credit card for a previously closed consumer credit account. I did not request credit in my name and each time I have spoken to them ( today included XX/XX/XXXX  ) they tell me that my account has simply been inactive.
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I went through the closure process again today ( the very same I went through before ). I 'm unhappy that Lowe 's in extending credit in my name without my authorization.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

XXXX XXXX ACCOUNT # XXXX SHOULD NOT BE ON MY CREDIT REPORT. THE FDCPA SECTION 807 ( 14 ) STATES THAT XXXXXXXX XXXX XXXX CAN NOT USE XXXX XXXX COMPANY NAME TO COLLECT A DEBT ALSO THE PAYMENT HISTORY ON THIS ACCOUNT IS ANOTHER VIOLATION.
Consumer complaint received 2017-07-17
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have been speaking to   XXXX   in the fraud department at capital one. I have sent several documents. There is an account that was opened in   XX/XX/XXXX  tha t was identity theft. My last conversation with  XXXX  stated she needed utility bills or other bills to prove my address at the time of the fraud. O n  XX/XX/XXXX  I sent  in    3 bills, 2 water and one car insurance bill. I received proof that it was received. I waited to hear  back from   XXXX   and after 30 days she did not respond so I sent her a letter on   XX/XX/XXXX  th at I needed her to get in contact with me as I had submitted all of the documentation she requested. This identity theft account should be listed as such a needs removed from my credit reports.
Consumer complaint received 2017-07-17
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I received a letter dated   XXXX   XXXX  , from Kohl 's denying my request for a credit line increase on an account that I had not used in at least three years.When contacted, Kohl 's checked the data and clarified that the credit was sought by someone other than me who was using my social security number, address, and Kohl 's account number, to apply for additional credit. After contacting Kohl 's on receipt of the letter on   XXXX   XXXX  , I called  XXXX  to effect a credit freeze. I then got another letter from Kohl 's on   XXXX   XXXX   also stating my request for more credit was denied - again. I contacted them and a service representative and I discussed the matter at length ; the pertinent information matched except for our email addresses. I was told the individual was apprehended when trying to use the card at a store. I also just received a newly issued card, with the same account number, and when prompted by Kohl 's automatic billing system to provide my SS number, a balance of {$800.00} plus was reported with over {$500.00} overdrawn on the account. Again, an extensive phone conversation revealed that an individual had opened the account in PA, where I do not frequent, had ordered merchandise online, which was picked up at a store in  XXXX , CA, on   XXXX   XXXX  . An associate became suspicious and notified authorities at this point. Kohl 's videotapes all transactions so this is also key evidence. A fraud case was opened with Kohl 's, too : #  XXXX .