davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OH)

On or about XX/XX/XXXX Fedloan Servicing inappropriately sent my account into default. We had sporadically been late or had fallen behind due to a serious medical condition, but were told by Fedloan after multiple calls we were still in good standing. Around that time the Dept. of Education ( DOE ) notified me that I had to go through a loan rehabilitation due to reporting from Fedloan. We reluctantly agreed to and entered the rehab XX/XX/XXXX and successfully completed the program XX/XX/XXXX. During this time, our mutually agreed payment was being remitted to the DOE since no other instruction was given during this time to change payment elsewhere. After many hours of corresponding with the DOE and Fedoan I discovered the DOE would forward the payment every 3 months to Fedloan. During the entirety of the loan rehab and up until today, Fedloan has been sending negative damaging information to all credit reporting bureaus due to an ongoing administrative error on their part. This has caused extreme financial hardship to me and and my family to the point that it has essentially ruined our lives. This company is extremely difficult to contact and work with to try to settle the dispute. I have spent hundreds of hours on the phone, online, direct mailings and filing dispute forms as well as providing proof of timely payment to them or the DOE. The most recent dispute was filed several weeks ago with once again no response. This company has the worst customer service I have ever experienced. I will furnish all supporting documentation upon request. I will not waste more time proving my compliance to the loan conditions that the DOE and Fedloan had set forth until I have assurance this forum is real and intend to pursue this complaint.
Consumer complaint received 2020-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (CA)

CLAIMING I OWE AN {$450.00} AMOUNT BUT HAVE FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2020-03-01
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. (TX)

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. XXXX  reporting high credit as XXXX, Experian is reporting high credit as XXXX, and XXXX  is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, XXXX  is reporting last payment as XX/XX/XXXX, Experian  reporting last payment as XX/XX/XXXX, and XXXX  reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.
Consumer complaint received 2023-02-04
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NC)

Re : Synchrony Bank who underwrites Lowes XXXX XXXX credit cards. 

I unknowingly overpaid my account in XXXX by submitting the payment twice. No one told me that I had a credit for {$1800.00}. I found out the beginning of XXXX on my OWN. I received NO billing statements notifying me of this overpayment. 

I called the customer service number on XXXX. They subcontract their call center to another country. I get to hear roosters crowing in the background repeatedly. The woman assured me I would get my money via check within 10 to 14 business days. Nothing. 

I called again today XXXX I explain the situation again. Of course, there was no record of my call! Probably wasn't documented because she heard nothing of my conversation due to the cockle doodle doos in the background. I am now told to wait an additional 10-14 BUSINESS days a day the overpayment refund can not be expedited.
Consumer complaint received 2019-01-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: VALLEY NATIONAL BANCORP (FL)

On XX/XX/XXXX a board member signed a {>= $1,000,000} line of credit with another homeowner, stating the monies would be used for emergency upgrades to our six acres of oceanfront property in XXXX XXXX XXXX. We have sixty unit owners and we were not aware of the XXXX XXXX dollar credit line. Prior to this commencement of the credit line the community was special assessed a total amount of {$290000.00} divided by the sixty units. In the event that was not paid immediately we would personally be foreclosed on and lose our homes through the new management company and the managements company personal attorneys. 
Additionally, the bank accounts in this community were depleted of all reserves and monthly funds in XX/XX/XXXX by this same board member, without drawdowns of our funds and without knowledge of funds disbursements. 
First and foremost, we have condo documents which do not allow for any expenditure over {$1000.00} without an excess of 75 % vote agreeing to the expenditure in writing. 
The person who is responsible for this XXXX loan/credit line was the person who without notice hired the XXXX XXXX XXXX and also hired their Attorneys, as now our attorneys of record, which later reveals they were all party to the {>= $1,000,000} line of credit. 
Upon signing that loan the collusion started with a new self appointed board of 5 unit owners immediately. The 5 self appointed homeowners were not board members legally until XX/XX/XXXX, and yet they had obtained allowance from the bank to start bank withdrawals as soon as that loan of {>= $1,000,000} commenced on XX/XX/XXXX. 
The bank Allowed this person to lien our sixty units as collateral for bank repayment. We have written letters to the Head quarters of this bank, they have responded that they can not give any details about the loan because we are not the responsible party for repayment. 

We have been forced to pay the loan on a 4 year payment plan at nearly each unit to pay approximately {$17000.00} each. 

The funds were never spent on the projects. The liens of real property are still on all properties for collateral for this loan. The 7 people and the Attorneys and the management company are changing the loan terms every 3 months, are using the funds for their personal life style needs, are foreclosing on our neighbors. They have a 30 year mortgage and the unit owners were forced to pay the XXXX credit line in 4 years. 

Please by the grace of XXXX help us. We have evidence that reveals all the people are involved are financing terrorism through this community. We have documents XXXX 's of XXXX  Laundering of millions of dollars associated with this community and its partners mentioned. Please contact homeland security for all documentation of such. I fear for my life and I will need protection to provide,
Consumer complaint received 2020-03-01
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. (TX)

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, UT XXXXXXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. Transunion reporting high credit as XXXX, XXXX is reporting high credit as XXXX, and XXXX  is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, Transunion is reporting last payment as XX/XX/XXXX, XXXX  reporting last payment as XX/XX/XXXX, and XXXX reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.
Consumer complaint received 2020-03-01
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio America Asset Management, LLC (CA)

CLAIMING I OWE AN {$450.00} AMOUNT BUT HAVE FAILED TO PROVIDE DOCUMENTATION OF ANY LEGAL CONTRACT WITH MY SIGNATURE. 
I SENT DISPUTES WITH THE BUREAUS AND THEM DIRECTLY AND HAVE FAILED TO PROVIDE DOCUMENTATION.
Consumer complaint received 2020-03-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (CA)

I have an account with Home Depot. I had a revolving balance and three promotional balances that were do at different times. On New Years eve I went to my local Home Depot to pay off my revolving balance so no further interest would accrue, and pay towards my XXXX promotional balance. The woman at the customer service counter was unfamiliar with how to do this, so she contacted the national Home Depot credit services department. After speaking with someone there, she passed the phone to me. It was explained to me that because I had a promotional balance due in XXXX, they couldnt pay off the revolving balance first. I complained that XXXX was two months away and that balance was to be paid off by the. The customer service rep told me that their computers would not allow them to divide payments this way. 
In XXXX, when the bill came due I paid off the amount of the remaining revolving balance + extra so it would lessen the XXXX promotional balance. 
When I received my XXXX bill. There was an interest charge of {$10.00}. I called customer service on XX/XX/2020 @ XXXX pm and spoke with XXXX. I explained I was disputing the interest charge due to the fact that I was not allowed by their company to pay off my revolving balance in full the previous month. She spoke to a supervisor who said that they would redirect {$670.00} of my payment of {$790.00} to pay off the revolving balance and remove the {$10.00} interest charge. At that point I was satisfied. 
However, on XXXX XXXX I again called Home Depot Credit Services to verify that all the aforementioned had occurred before I made my XXXX payment. I spoke to XXXX who took a lot of time with me. However, other than removing the interest charge, nothing had changed. I still had a revolving balance, the promotional balance due in XXXX and the one due in XXXX. I explained about the previous conversation I had had with XXXX and what her supervisor had said. She put me on hold, and spoke to someone and was told the same spiel about how because there were 30 days left until the XXXX promotional balance was due, they couldnt pay off the revolving balance first, but instead had to divide up the payment. She apologized, but said there was nothing she could do. I asked what amount I needed to make so I wouldnt accrue interest and could pay off the revolving balance. It seemed the only way to do this was pay the amount of the revolving balance, the total remaining on the XXXX promotional balance, and the XXXX promotional balance. So I did. 
This is a ridiculous scam! If a promotional balance is due on say XX/XX/XXXX, and you pay it off before XX/XX/XXXX, the company should not be allowed to redirect payment from one balance to another. This is just their way of collecting interest. By not allowing me to pay off my revolving balance first, they guaranteed they would continue collecting interest every month. This is a dishonest and disgusting practice that sours me on this company!
Consumer complaint received 2024-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (KY)

I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 
if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have
Consumer complaint received 2019-01-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (AL)

Spoke with Midland Credit Management back in XXXX and was going to work with them. Gave them a date that I would get back in touch with them ( was within a week ) and they continued to call me 3 -  5 times a day until that date. On that date I informed them to stop calling me as it was interrupting my work and daily life. 

Afterwards the calls picked up. I get calls anywhere from XXXX to XXXX CST 7 days a week. Currently I have blocked over 30 phone numbers that Midland has used to call me. Many of these numbers are not active so I suspect they are spoofing their caller ID. 

This is beyond harassment and is very unprofessional. I could understand if they called once a day Mon- Fri but as I stated I have blocked over 30 numbers belonging to them and those are just the ones that I blocked. I keep records of every call that they make to include date and time. 

I wish to handle this without litigating matters but if it comes down to it I will do what I have to do.
Consumer complaint received 2020-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (OH)

I log into my Experian online account to review my new credit score because I received an email congratulating me for my credit score increase ( It was at XXXX yesterday ). When Iogged in my score was XXXX. I checked my XXXX XXXX XXXX XXXX account and they have marked me with MASSIVE 30, 60, and 90 day late payments from last year and the year before. This is beyond inaccurate and I am on time with all my payments. I have massive prove from XXXX, XXXX and credit reports from Experian last month that all bills for XXXX XXXX XXXX are paid on time. Experian is messing up my score and my business. It is unacceptable and there are a few technical difficulties. I want this fix quickly
Consumer complaint received 2020-03-01
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: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX SSN : XXXX To Capital One Bank XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX To whom this my concern : I`m addressing both your office as the creditor and the credit agency company. I strongly believe that you have violated the FCRA and are in non-complaint with you have reported. 

Here are three reasons why I`m sending this. 

Namely, you first affiliated this account with an individual `s name who previously had been placed on my report in error, making you consistently reporting the erroneous item a clear violation of law. 

Second, the item in question can not be authenticated to be certified under testimony to be true and accurate. 

Lastly, Per viewing my credit report, I notice an account from your company with account # XXXX reporting to my credit report is reporting inaccurate and different information between credit agencies. XXXX  reporting high credit as XXXX, XXXX is reporting high credit as XXXX, and XXXX is reporting high credit as XXXX, which inaccurate reporting, delete this account. In addition, XXXX is reporting last payment as XX/XX/XXXX, XXXX reporting last payment as XX/XX/XXXX, and XXXX reporting last payment as XX/XX/XXXX, which inaccurate reporting, delete this account. Also, the 2-year payment history is reporting different information from XX/XX/XXXX to XX/XX/XXXX, which makes this account inaccurate, delete this account per violation. For your records and my proof, I enclosed a snapshot of my credit reports.
Consumer complaint received 2023-02-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MN)

I went to the Wells Fargo ATM at XXXX XXXX XXXX at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to withdraw XXXX dollars in cash. The ATM was out of cash, and I was not able to complete the transaction. This occurred approximately XXXX XXXX  on Saturday XX/XX/2023.
Consumer complaint received 2020-03-01
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. (CA)

On XX/XX/2020 I received a Company 's Response in regard an existing problem with a 30 day late reporting to all Credit Bureau ( Experian ). 

Company response states I made severals payment to my account and they were returned due to an stop payment from my Bank end. After realizing my account balance was too high since all payment were returned and there was an Stop Payment I decided to work with a Consolidator. Company states my account was under " Working with Consolidator '' status but also stated they don't work with consolidators. So, why was my account under " Working with consolidator '' status? It only make sense to keep account as current till a payment is made NOT putting it under certain status and stop me from making payments to it. 

Company states it was my responsibility to make a payment before XXXX the XXXX, even tho my account was taken under " Working with XXXX XXXX '' on XX/XX/XXXX. How am I gon na be able to know my account was accepting payments on XXXX the XXXX? Company also FAILED to mention I tried to make a payment over the phone on XX/XX/XXXX when I called costumer service and was advised of such rejection to work with consolidator. I asked the representative to take the minimum due payment of {$120.00} and she told me she couldn't take it until the account were taken under such status. 

My intentions were pretty clear, Please accept my payment or wait until I'm able to notarized the letter so you can accept payments. XXXX XXXX FAILED again to do so by not getting back to me that same day the account was back to normal and as result a 30 days past due was added to my credit report. 

I kindly ask the company to correct the error or I'll be looking legal advice as I'm working with Attorney General XXXX XXXX from the State of California Department and Justice. 

Previous Company Response Attached.