davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-30
Product: Debt collection — Auto debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Riverwalk Financial Corporation (TX)

On XX/XX/XXXXI notice a collection on my credit report from XXXX XXXX XXXX  located at XXXX XXXX XXXX XXXX Texas XXXX. in the amount of {$7600.00} for a car loan charge-off closed account which was stated open XX/XX/XXXX on my XXXX XXXX report andXX/XX/XXXX on my XXXX report .I reached out to this company by certified mail on XX/XX/XXXX and tried to call several time with no response from the company they failed to mark my credit report as disputed and failed to reach out to me about this account via mail I waited 31 days and reached out to the company again via certified mail onXX/XX/XXXX still with no luck. On XX/XX/XXXXI check to see was this company license or had a surety bond active and place to even collect a debt in the state of Texas which is required under the Texas Finance Code Section 392.101 and the surety bond was canceled on XX/XX/XXXX I need this company to validate this collection account they have placed on my credit report stating I owe them any help from the CFPB would be gladely appreciated because this company is not responding to any of my letters nor are the legally authorized to collect third party debts in Texas
Consumer complaint received 2022-12-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In accordance with the Fair Credit Reporting act, XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-07-22
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: LendKey Technologies, Inc. (NJ)

I was the co-signer on a loan student loan for my sister with Lend Key and they didnt pull my sisters payment in time and made it late when she submitted it on time and it has negatively effected my credit for years. The payment was made on time and pending on their end. They counted it as a missed payment. It shows as a major missed payment and they will not take it off. It was one occurrence and they were quick to throw it on my credit score as a co signer instead of resolve the issue. They would not even release me from the loan until she made 12 months of payments on time after that occurrence.
Consumer complaint received 2019-07-27
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: AMERICAN EXPRESS COMPANY (FL)

To whom it may concern, I am filing a complaint on American Express. On XX/XX/19 I received a letter from XXXX XXXX PA. Attorneys at law claiming to represent American Express. On that letter they claim that I owe American Express {$18000.00}. On XX/XX/19 I wrote a letter requesting certain info including copies of the contact where I signed the agreement regarding this claim. According to the FCRA its there obligation to supply the requested info. On XX/XX/19 I recieved a response from XXXX XXXX PA. There response was attaching many statements and a generic Member Card Services Agreement they didn't include the actual binding contract showing offer and acceptance. On XX/XX/19 I wrote a letter requesting once again for them to send me the actual binding contract showing offer and accpetance with my signature. On XX/XX/19 I received a letter from XXXX XXXX XXXX Basically offering me an American Express Card as long as I would pay {$18000.00} in full. In other words ignoring my request and continuing to try to get {$18000.00} from me without providing any proof that contract. I have attached document in reference to this. Thank you for your time.
Consumer complaint received 2019-07-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Pressler & Pressler, LLP (NJ)

Pressler and Pressler received a cease and desist letter from me via certified mail concerning a bill from XXXX XXXX Hospital ( XXXX ). Rather than abiding by the cease and desist letter as per the Fair Credit Reporting Act they continue to pursue the matter. In a 2016 article entitled Feds Take Action to Stop Illegal Debt Collection Practices by XXXX County Lawsuit XXXX '', it states that Pressler and Pressler were sued by the Consumer Protection Financial Board and ordered to stop filing lawsuits against customers based on violations of the Fair Credit Reporting Act. In addition, to the cease and desist letter, I already filed complaints against the business ( XXXX XXXX Hospital ) directly with them ( email and XXXX ) and with the XXXX XXXX XXXX and NJ Consumer Affairs. I stated that the hospital did not render my companion animal the treatment he should have received and they billed me for treatments they did not give him. The business never responded to any of the complaints but used this corrupt law firm Pressler and Pressler to harass me.
Consumer complaint received 2020-02-26
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (NJ)

I had XXXX XXXX and when to emergency room.I was diagnosed with XXXX XXXX XXXX. I was in lots of pain and demanded a XXXX.I was denied of XXXX by XXXX of XXXX, NJ. My NJ hospitals XXXX  could not see me with in a week or next 6 month, due to being overbooked.I have to see XXXX  doctor, mr XXXX, he took me right away, and diagnosed XXXX XXXX XXXX.What needed a XXXX. XXXX was preformed at XXXX XXXX XXXX PA,XXXX miles from my home in NJ. My health insurance refuse to cover XXXX due to medical code submitted as XXXX XXXX XXXX, What they not consider emergency XXXX .XXXX. XXXX provided to XXXX XXXX XXXX XXXX XXXX XXXX  correct diagnoses, to make sure, XXXX payment going to be processed under right medical code.Medical bill from XXXX hospital and XXXX XXXX XXXX went in to dispute appeal with health insurance, XXXX XXXX XXXX XXXX XXXX XXXX.XXXX  hospital billing was provided with appeal information. About 2 years I have not received any info about my appeal.Now in 2020 I received a letter from collections.I am not sure if they can legally collect from me.And I don't know why XXXX XXXX XXXX XXXX did not send me appeal resolution.
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NC)

I have been receiving a call from debt collection department from the capital one and everytime I called back to the number that goes to the capital one customer service, they confirmed that I had no card which was past due, and the call must be a scam. Today I happened to answer the call, lady told me that she was speaking from capital one and my card was past due and she needed my debit card number or checking card account number to take care of this payment. This was a surprise and I pulled up my online capital one account and none of my account information matched what she was talking about. She stated this account was opened back in 2015 and she agreed to transfer me over to fraud department. I was on hold on searching thru my cards in reserve in my night stand and I came across this GM card that was issued by Capital One, that I opened but decided to put it away when I wasnt able to use it through my capital one log in, although this was issued by capital one. She told me there were two XXXX charges went through this card in the month of XXXX and XXXX. For which I had no knowledge of. I nhad never received any email notification of or paper statement of. Neither those charges were authorized by me. 
When I use my other cards, I get my legit charges declines until I respond to the text but this card that I havent used in five years something went thru n I didnt get any notification of. 
The lady did go ahead and request my card to be replaced and stopped any further charges. 
This matter was very serious to me, so I decided to call XXXX and further investigate on my own, XXXX wasnt able to find any transaction with this card number or any active account linked to this account. 
I went online logged in to capital one and chatted with the capital one rep he asked me to call fraud department and ask them to dispute these transaction since they were not mine. I called and spoke with the lady name XXXX but she sounded like being in a hurry, she said ok, we will take care of it. Few minutes later she called me back and asked me to call back on Tuesday to the same fraud department and ask them to mark the transactions as fraud.
Consumer complaint received 2019-04-03
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Navient Solutions, LLC. (MS)

Since XX/XX/XXXX, I have been requesting for Navient to provide me with my student loan information. I provided Navient with my new address multiple times. However, I never received a bill. My new address is on my payments also. Navient refuses to provide me with any information regarding my loan. I do not know my current status. I have been sending my last known payment amount of {$25.00} each month though. I also need my student loan information to file my taxes. It's not fair for this company to report me to credit bureaus when they refuse to provide me with any information. The last time I contacted them was XX/XX/XXXX. I still haven't received a response.
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL (CA)

Unlawful and deceptive acts and practices are being used by Care Credit via Synchrony Bank. They are charging me double interest and they claim this was made clear at the time of signing. When I applied for credit I did not see any language obviously visible to me regarding interest being calculated on the total owing, not the remaining principal. 

After discussing with the creditor, they are reluctant to provide any information tegarding how my payments are being applied toward the balance. The monthly statements are misleading and do not delineate how much I have paid to date, how much interest is owed in total or disclose in an obvious manner that I am paying interest on top of interest. I feel I have been taken advantage of and been the victim of misrepresentation of a circumvented agreement. 

The agent I spoke to today said there is no difference between principal and interest and it is very confusing to the average consumer. 

They even charged me interest after 6 months worth of payments on the original balance as if I had not made a payment at all. I am happy the CFPB protects consumers who have been baited into situations such as the one I find myself in.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed some unauthorized inquiries on my Transunion report that are not mine and I dont recognize them. Everytime I send disputes. It always come back verified or accurate. The creditors and credit Bureaus can never tell me what Method of verification was used. On top of that. Its No proof or contracts of anything showing my signature. I almost feel like they just use the XXXX and thats it. Please help me get these inquiries removed. They are stopping me from obtaining credit. Thank you.
Consumer complaint received 2019-05-09
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: SYNCHRONY FINANCIAL (IL)

Started an online chat with Synchrony bank on XX/XX/2019 for 15 disputed charges due to the company I was working with stopped responding to me for products that I ordered and then never delivered. Chatted with XXXX XXXX and from the saved chat logs assured me that all 15 transactions were included in the disputed. Just to make sure I called customer service maybe a week later to make sure all those 15 transactions were included and sure enough they were not. I called the agent who raised the dispute and added the remaining amounts and stated that we have to wait another 60 days for these remaining amounts to be included in the dispute. Ok no problem. I called either XX/XX/XXXX or XXXX and I had an agent from the dispute department today state that at first they didn't see my dispute but then after a few minutes on hold she told me there was {$3800.00} still pending to be credited back? I am not to sure where they got that figure but recently they credited back {$1200.00} for the 4 disputes for the dates XX/XX/XXXX19, XX/XX/XXXX19, XX/XX/XXXX19, and XX/XX/XXXX19. The remaining amounts Synchrony bank stated there is absolutely no record and I would have to do another dispute. This company is by far THE WORST customer service company I have ever dealt with. No one has a clue how to service a customer. No way I would like this resolved immediately.
Consumer complaint received 2019-07-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Recoveries, Inc. (NY)

Several complaints against National Recoveries : 1- Garnished salary while in process of resolving issue with them. They constantly gave me different excuses that they didnot recieve info I sent 2- Attempted to enter Rehab Program, they discontinued it stating my auto pay from checking account did not pay ( I have check bounce coverage ) 3- Just recently attempted to enter Rehab again, XXXX, when I checked on status was told several different excuses " you sent double W2 's,,,, then we couldnt read your W2, and finally told me I was suppose to pay {$200.00} and I was only paying {$200.00}. when they told me amount and they auto debted from my account. 
4- Now they tacked on another {$30000.00}. without my permission, stating " it was sent to our office because your Son defaulted on his loan,,, ''. I did not sign Promissary note for this and I did not give permission. 
5- I just noticed loan amount in XX/XX/2019 was {$68000.00}, and in XX/XX/2019 it is {$200000.00}
Consumer complaint received 2019-07-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dynamic Recovery Solutions, LLC (WA)

XX/XX/XXXX DRS mailed me a notice regarding an old debt I received it on XX/XX/XXXX stating I owed XXXX and last payment received was XX/XX/XXXX.After several calls from me to the junk debt buyer explaining this was originally a predatory loan that is expired beyond the statute of limitations according to rcw 4.16.040 on collecting a debt, also filing a complaint with CFDP. I wrote and sent via certified mail with signature from the debt buyers admin. a cease and desist letter on XX/XX/XXXX the debt collector answered my complaint with CFDP and agreed to cease and desist. Albeit this debt collector has continued to harass me with letters over and over ever since they agreed to cease and desist. I'm very very upset this debt collector is continuing with the harassment against me. The debt collector mailed notices on XX/XX/XXXX/ XX/XX/XXXX/ XX/XX/XXXX/XX/XX/XXXX and XX/XX/XXXX demanding I pay or face judgement. I'm unable to load images on this laptop but assure you I have the paper trail to back up my statement.
Consumer complaint received 2022-12-02
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. (CA)

Hi i have tried to fix this false reporting with Experian last month and they didn't update the late payment i had. I need this late payment that is being reporting By XXXX XXXX  on XX/XX/2022 to be update i was never late. I have attached the letter i sent them and they have no proof of this error they are reporting. This has dramatically effected my life and has me getting denied for cars and apartments. Which has me homeless and car less. I need this fixed asap
Consumer complaint received 2019-07-27
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: EQUIFAX, INC. (IN)

on XX/XX/XXXXa confirmation that a dispute i had file with Equifax was finish. the collection account was verified [ XXXX XXXX XXXX ] i did not ask for any verification of account. XXXX XXXX XXXX was sent a cease and desist certified letter in the mail and receive on XXXX the same information forward to equifax. Equifax stated that it was verified by [ XXXX XXXX XXXX ] and it still remains on my credit report. XXXX XXXX XXXX collected on this account XXXX they did not cease and desist any collection activity of the account which is a violation of the fair debt collection act.And Equifax keep stating that it is verified so XXXX XXXX XXXX confirm that they did receive the cease & desist letter to equifax. This account should be removed.
Consumer complaint received 2021-07-23
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. (AR)

These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.
Consumer complaint received 2019-07-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NY)

This mortgage was a hardship, it has been reported since 2013 as a foreclosure causing me so much trouble when in actuality it was a SHORT SALE. Can I please get this removed from my report.
Consumer complaint received 2018-05-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Information Bureau, Inc. (FL)

I've seen a medical bill on my credit report, when I contacted the company they informed me it was from an emergency room hospital visit that I was not aware of. I contacted XXXX XXXX Hospital and they have no records of me having an emergency Hospital visit on XX/XX/17. I asked the collection company to provide me with the contact number of the agency providing them with the information and was told that they don't have the information and I was seen on that date. I contacted the collection agency at ( XXXX ) XXXX.
Consumer complaint received 2017-07-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Late last year I opened a credit account with Bank of America, due to the terms and rewards advertising I decided to apply and was approved. Then about 4 or 5 months later they closed the account without explanation and told me they would not reopen it. I then asked if that would affect my rate to which they responded that it would not so I kept making my minimum payments since I figured at zero percent I was better to do it that way. Suddenly my minimum payment goes up about 3 or 4 months ago. I told them what the problem was and they told me I qualified for no such thing ( zero interest ) and in fact I had been always paying interest, and now my promotion was over and my interest was to be 28.99 % to which so far they have changed several times, I think the last one they gave me was 20 or 21 %. First they gave me a rate that was low or so I though and then they close the account without me being able to accumulate more rewards or take advantage of the rate for the full terms. These people should not get away with this, without someone doing something about it. Thank you!
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A. (CO)

HDCS Payment Research XXXX XXXX XXXX XXXX XXXX, MO XXXX CC : XXXX XXXX XXXX Payment Processing Center XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX To whom it may concern : I inadvertently schedule an online payment via my XXXX XXXX XXXXXXXX online bill pay checking account ending in XXXX on XX/XX/XXXX in the amount of {$1500.00} to Home Depot Credit Services XXXX It was sent to a closed Home Depot closed account : XXXX XXXX XXXX XXXX. I contacted XXXX XXXX  XXXX right after it was sent to see if they could retract the payment to the Home Depot Credit Services account. They told me they could not retract payment at it was already sent. They opened a XXXX XXXX  XXXX Case # XXXX. They contacted Home Depot Credit Services and was unable to apparently receive a resolution. Home Depot Credit Services explained there was not a Home Depot Credit Card Account on file to apply the payment as it had been closed. Home Depot Credit Services also said due to the length of time the account was last used could not find me personally in their system. Home Depost Credit Serivces said once the identified the payment they would return the funds by mail. XXXX XXXX XXXXXXXX gave the Home Depost Credit Services representative a copy of the check and I had to provide my address. They were unwilling to work to credit the funds back to my account. It is now XXXX and still no phone call, letter or any type of resolution from either party. It appears they closed the case and do not care. I have also sent a copy of the check and correspondence received from XXXX XXXX XXXXXXXX showing payment of funds to Home Depot Credit Services and requested the check to be returned. They are just stalling or hoping they will not have to return the funds. This is very unprofessional and a discredit to our financial system.
Consumer complaint received 2018-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (MO)

XXXX  This is not associated with me and I have been fighting these since I found out. 
Disputed Inquiry : XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX