davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ENCORE CAPITAL GROUP INC. (FL)

I have been filling on all 3 credit reports advising that I never open an account for XXXX or XXXX XXXX ACCT # XXXX for {$5800.00} the thing about it, is that they don't even have my last name mispelled right. So that goes to show that this account is not even mines. As far as Midland Acct # XXXX for {$350.00}. According to these lenders the account where open from : XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX and/or XXXX XXXX XXXX XXXX, XXXX XXXX, Fl. XXXX. I have sent both companies proof ( As what they requested which was Florida XXXX and XXXX receipts ) that the only address I have lived in the last 42 years has been : XXXX XXXX XXXX XXXX. XXXX, Fl. XXXX. Even with the proof I sent them, they still state that the information I have provided them is not correct But that the information they have is? HOW THE XXXX XXXX XXXX XXXX DO YOU FIGURE THAT, WITH PROOF THAT I SUBMITTED TO YOU, FROM THE ELECTRICITY COMPANY???
Consumer complaint received 2024-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

Hi FIRST CREDIT SERVICES ; I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Consumer complaint received 2022-01-26
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: Experian Information Solutions Inc. (PA)

It has been brought to my attention that Experian has been communicating with third parties about my personal information without direct consent 15 usc 1692 ( a ) ( i ) Pursuant to 15 usc 1611 Criminal liability for willingful and knowing you have violated my consumer rights I demand you remove any & all negative items off of my consumer report ASAP
Consumer complaint received 2021-09-24
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Consumer Portfolio Services, Inc. (CA)

In response to Consumer Portfolio Services, I XXXX, A natural person they have in fact are giving false claims as to HOW theyve investigated their claims to be true when in fact they are not, I have attached the following documents providing the violations including theft of my vessel, as A holder in due course the next step will be litigation.
Consumer complaint received 2019-07-29
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (VA)

I have been a Lowe 's credit card holder for 28 years and when my XXXX XXXX checking account had fraudulent activity the bank stopped all ACH and withdraws and assigned a new account number. My Lowe 's payment crossed around the same time and they never notified me that they did not receive payment until the next statement which included past due and new bill. When I called customer service they took the {$41.00} payment and removed late fees. A week later I received a letter that they closed my account due to non payment. I requested to speak to a supervisor to reconsider keeping the account open after being a good paying customer for almost 30 years this being my second Lowe 's account. They stated they would need to review further and reply in writing. It is now XXXX and they continued to allow the late fees to be charged without working with the customer after reporting bank fraud.
Consumer complaint received 2019-07-29
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (TN)

I Purchased a set wave ( Antenna ) from XXXX did not realized it was a company in XXXX on XX/XX/2019 through my pay pal account. I filed a compliant with pay pal because the company double charged me, when the package came I wrote refused on the package and returned it to the post office without opening it, I was no longer interested because of the double payment. Im being refused a refund of {$69.00} because I did not have a confirmation number for the return. The post Office told me they dont give a tracking number for packages returned unopened. I disputed the charge with XXXX and they denied my claim. 
Dispute # XXXX and Transaction ID XXXX. Can anything be done about this. I dont have {$69.00} to give for nothing. Thank you XXXX
Consumer complaint received 2019-10-03
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. (NC)

My name is XXXX XXXX and I want to report an identity theft in my credit report, bad accounts are shown on my credit and damaging my good name, Please help me to remove this accounts from my credit because they are not mine.
Consumer complaint received 2022-01-14
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I wrote the credit bureau on XX/XX/2021 about inaccurate accounts on my credit report and they did not respond within 30 days. I even gave them 15 days extra time and they still have not responded to my dispute. The inaccurate accounts are still reporting the same on my credit report, so they also did not conduct an investigation into my dispute. The FTC website says that according to the FCRA if the credit bureaus don't respond within 30 days they have to delete the accounts. I'm requesting these accounts be removed from my credit report immediately because they violated the FCRA by not responding and not conducting a proper investigation.
Consumer complaint received 2022-01-14
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (FL)

XX/XX/XXXX I checked XXXX price on XXXX then decided to check my coinbase account since I had not looked at it ( or maybe did a few times early on ) since I opened it 8 months previously It was locked - I could not figure out on the page how to get help to unlock it I XXXX  Coinbase login - opened a link. A Coinbase screen came up and asked me to type in the phone number connected to the account. I soon got a call from XXXX XXXX XXXX A woman with an XXXX accent led me through a series of steps to do 2 step verification of my account. Ultimately I activated the video camera to two windows on the bottom of the Coinbase screen and took a picture of my drivers license - front and back and then my own picture in another box. I could not access my account- it was still blocked. 
I spoke with her a few more times over the next few days. On XX/XX/XXXX I noticed my business bank account was low- when I checked there had been {$35000.00} deposited to Coinbase. I reported it to Coinbase and they started a fraud " investigation '' I finally accessed my Coinbase account XX/XX/XXXX and found It was emptied of {$60000.00} on XX/XX/XXXX Coinbase has been less than helpful in investigating or rectifying.
Consumer complaint received 2024-03-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: General Motors Financial Company, Inc. (NJ)

After Review of my credit report I noticed there is an account I do not recognize XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.
Consumer complaint received 2017-03-22
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CA)

In late XXXX XXXX I went down to part-time in my master 's program as I was done with classes, but had n't finished my thesis. Within two weeks of this change I had a bill from Navient somewhere between $ 500- {$700.00} - I ca n't recall the actual amount. I called Navient to let them know I could n't make that payment as I was working a XXXX making only {$15.00} an hour, but could afford {$50.00} a month. They said all they could do for me was put me in forbearance for a month if I paid $ 150- {$170.00} ( again, I ca n't recall the actual amount ). I told them I did n't have that kind of money and if that 's all they could do my only option would be to simply not pay. And since they would n't work with me I did n't pay from XXXX XXXX to XXXX XXXX until I landed a salaried full-time job at a non-profit. 

Now that I had a better paying job, I could start paying my student loans. When I called Navient to set up a payment plan they would n't go lower than {$500.00} a month. This is a hardship for me given I work at a non-profit where my salary does not go very far, especially since I was working and living in the XXXX XXXX where the cost of living was high. Their reasoning for why they would n't low it was because I could have paid my student loans with a credit card between XXXX and XXXX. That blew my mind! Why would I pay my student loans on a credit card? That does n't make any financial or common sense. 

So fast forward a year and a half later. My credit is ruined from those four months of not paying, but I 've been paying Navient {$510.00} a month for my student loans and have never missed a payment. During that time my dog had broke his neck and I had to put $ XXXX in vet bills on high interest rate credit cards. I 've cut corners to where I spend less than {$40.00} a week on groceries and even moved 70 miles away so I could work at a different office where the cost of living was lower just so I can pay down those credit cards. I also take side jobs where I sometimes end up working 80 hours a week, but it 's not enough. I recently called Navient to see if I could suspend payments from about nine months just so I can get a handle on these high interest rate credit cards. 

I called Navient today, XXXX XXXX, XXXX at XXXX XXXX, to make this request. I was told my only option was one month of forbearance since that is all I had left. When I asked them to work with me since they would n't work with me a year ago and are the only reason my credit tanked, the manager cut me off and said very rudely, " We are n't responsible for your life choices. '' When I asked if I should have let my dog die to avoid the vet bills, he still said it was n't their fault I made poor life choices. 

I am beyond frustrated with this company and feel like they took advantage of me. I was willing to make a payment over a year and a half ago, but they would n't take it and it has had serious repercussions on my financial health, as well as my mental health.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (OH)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2022-01-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (OH)

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.
Consumer complaint received 2022-08-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc. (IN)

I have already filed a complaint against XXXXXXXX XXXX  This is a debit buyer and you closed the account on this.The card is comenity XXXXXXXX XXXX  in which they are Reporting the same on my credit as XXXX are doing also in which this is against federal law and FDCA I have Called both neither will remove. 
2 parties can not report the same debit. 
And XXXX showed a spread sheet they didn't provide a contract with my signature.
Consumer complaint received 2022-01-26
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NY)

I have a student loan from 2000. Over the years I have had issues making payments. Every time I called Navient has steered me into deferments as my best option. I have deferred many times thinking it was in my best interest. Only to find out there were many other options that could have helped. After 21 years my loan amount owed has not moved in fact it has increased. I believe this is a shady act on Navient. How can I receive help?
Consumer complaint received 2019-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

Franklin Collections have put an alleged debt on my credit which i have no knowledge of. This alleged debt has already been paid to another collector who the account was sold too. So i cant owe the same debt twice. The document that is attached is the debt collector who ive made payments too.
Consumer complaint received 2019-11-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

currently XXXX is reporting a fraudulent account on my report. I'm beyond frustrated. I've had to file a complaint and hopefully they'll catch the theif. I understand the credit reporting agency are simply doing their jobs but by them not responding and deleting the fraudulent information it's unfair to me. I am asking them to block the unauthorized inquiries from my report as well as block the XXXX account from my file. I found out that my information was exposed in several data breaches around 2015 and ive not known until 3 months ago that I could correct this according to the Federal Trade Commission and CFPB XXXX XXXX XXXX XX/XX/2015 XXXX BANK-NEVER LATE INNACURATE LATE PAYMENT REPORTING/ I WAS TOLD MY ACCOUNT WAS CONFUSED WITH SOMEONE WITH A SIMIALAR NAME BEING MY NAME IS VERY POPULAR PLEASE SEE ATTACHMENT FOR THE 40 UNATHORIZED INQUIRIES THAT NEED TO BE BLOCKED IMMEDIATELY
Consumer complaint received 2021-04-14
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (AL)

I am upset because I wasnt able to get any money from the equity I have in my home. My house was appraised for {$170000.00} and I only owe {$59000.00}. I want to borrow at least {$40000.00} to do some on my house ; so, the value will go up in my house. I also tried to explain to them I was tax exempt from real estate taxes. My credit score has dropped tremendously because Ive been trying to borrow $ $ on my own. Its sad when you cant get no one to help you when you need it the most.
Consumer complaint received 2017-08-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (FL)

I had an annual paid satellite radio subscription with XXXX XXXX on my XXXX XXXX XXXX for the period XX/XX/XXXX XX/XX/XXXX. In XX/XX/XXXX I was in a car accident and my XXXX XXXX was totaled. On XX/XX/XXXX I spoke with XXXX and explained the situation and asked for my subscription to be SUSPENDED until I had purchased a new vehicle to re-activate and apply the remaining service months to my new vehicle. It was explained to me on that call that the service could be suspended for up to 5 months and I need to call before the 5 months ( no later than XX/XX/XXXX ) to reassign the subscription. On XX/XX/XXXX ( before the 5 month deadline ), I called XXXX and spoke to XXXX to have the service transferred to my new vehicle, XXXX XXXX XXXX. She assured me this would be taken care. Also note, the new XXXX XXXX that I purchased came with a free trial for XXXX that was scheduled to end on XX/XX/XXXX. So with the 6 month credit from the suspended service on the XXXX XXXX and the trial period on the XXXX I should have had XXXX XXXX XXXX through at least XX/XX/XXXX. Well sometime XX/XX/XXXX XXXX shutoff the satellite radio service to my XXXX and I contacted them through a live chat session. During this live chat, my XX/XX/XXXX call was confirmed about suspending service on the XXXX XXXX. Also during that chat, I was told a refund of {$77.00} would be sent to me right away for the unused service, but I never received a refund. So I never received the 6 month service I was due nor did I receive the promised refund check of {$77.00}. 

XXXX owes me at least 6 months of satellite radio or the refund check of {$77.00}. I certainly dont owe them any money. Now they have sent a balance notice to collections trying to collect {$50.00} from me??? They owe me a refund of {$77.00} or satellite radio service in my XXXX for the 6 month period.
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates (MI)

On XX/XX/2022, upon viewing my XXXX credit report, I notice a significant decrease in my score. I telephoned and spoke with both XXXX and XXXX representatives. I was informed that there was a medical bill from XXXX XXXX XXXX XXXX submitted by L. J. Ross XXXX XXXX. I then contacted both XXXX XXXX XXXX and L. J. Ross, I was informed by XXXX XXXX that when an account is not pay in XXXX month the account to transferred to collection. However, I stated I had not receive any overdue account notice from L.J. Ross. I did was allowed to bring my account current by paying {$100.00} to XXXX XXXX XXXX XXXX. 

I was informed by XXXX XXXX XXXX XXXX that a notification would be sent to L. J. Ross of my payment and it would be L.J. Ross decision to remove the collection from my credit report. Then I notified L.J. Ross of my payment to XXXX XXXX XXXX XXXX. I was informed LJ Ross will wait for XXXX XXXX XXXX XXXX to notify them regarding my account payment. However, they could not ensure me that the debt reported on to the credit bureau will get removed from my credit report. I am disputing that I was not notified by XXXX XXXX XXXX XXXX of this debt being at risk of collection nor did L.J. Ross ever sent me a correspondence regarding a debt collection.