davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NJ)

Late one night about six years ago, we rushed our XXXX-year-old cat to XXXX XXXX XXXX Hospital in XXXX, NJ, because he was hemorrhaging from his mouth. When we arrived at the reception desk, they demanded a large sum of money up front in order to treat the cat. We didn't have that much on us nor in our checking account, so they shoved a CareCredit application under our noses, which we signed under duress.

CareCredit, also known as Synchrony Bank, is a known predatory lender that colludes with veterinary and medical practices to coerce consumers into taking out credit before treatment is rendered. CareCredit has been investigated by the New York State Attorney General and in XX/XX/XXXX was successfully sued by your agency, the CFPB, and forced to refund XXXX XXXX dollars to consumers who had been victimized by the same heavy-handed practices that my wife and I were subjected to several years ago. 

They ran it and got approval for an amount around {$3000.00}. At that point a young veterinarian brought the cat into an exam room and looked at him. He found that the cat had a XXXX XXXX XXXX but insisted he could " catch it '' by putting the cat under general anesthesia and removing part of his jaw. He brushed aside our concerns about performing that operation on such an elderly cat. 

Bottom line, the vet performed the XXXX, our cat stroked out on the table, and we got a {$3000.00} bill for our trouble. I tried to contact the administrators of XXXX XXXX but they ignored my calls. I contacted lawyers to sue for damages but they refused because the market value of an XXXX-year-old tabby is about {$3.00}. 

Nevertheless, we attempted to pay off the debt. Around XX/XX/XXXX I was having difficulty making the payments and called CareCredit to ask if they would work with me. The phone rep said absolutely. Then the next thing I knew, our account had been sold to XXXX XXXX, XXXX a litigious collections firm. When I wrote to them detailing what happened, they just wrote back saying I owed the debt. 

Now they are taking us to court in XXXX County, NJ. I have called numerous consumer lawyers and none will take my case because they can't make enough money off it, or they demand retainers totaling more than the debt is worth, or they attempt to persuade us to file bankruptcy when we neither need or want to do. We have contacted legal aid but they denied us help because we aren't " indigent ''. 

This is a serious legal donut hole that leaves many consumers vulnerable to predatory lenders and collection agencies who know they can win in court because their victims can not afford proper legal representation. 

We have a court date set for XX/XX/XXXX and are being harassed by an aggressive lawyer who is pressuring us to fill out interrogatories or have a summary judgment against us. Since we aren't legally trained, this puts us at a disadvantage.
Consumer complaint received 2018-05-14
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I enrolled in XXXX XXXX XXXX school in XX/XX/XXXX. It was a 3 month program and I obtained a loan through XXXX for approximately {$9000.00}. Over the years I have made payments or received deferments during periods of unemployment. Last year I received a deferment based on a health related financial hardship. During the last year, XXXX obtained my debt from XXXX and then Navient obtained it from XXXX. The payments they are asking from me are double what I was paying a year ago. The amount of the debt is 4 times the amount I borrowed nearly 30 years ago. I can not financially afford such a payment and they will not fairly cooperate with me in lowering the payment. In addition to my living expenses, a car loan and debt I incurred during a lengthy hospital stay, my financial obligations are already surmounting, making my finances very tight. I also have serious questions about the loan date listed by Navient of XX/XX/XXXX. My original loan was dated in XX/XX/XXXX.
Consumer complaint received 2015-11-09
Product: Credit card — 
Issue: Sale of account — 
Company: STERLING JEWELERS, INC. (NY)

I was told by a Kay Jewelers employee that they have an account that I can order that is " not a credit card and will not affect anything having to do with credit rating agencies. '' I was told that " the credit check is independent of the agencies and will not be shown as an attempt to obtain a line of credit or a credit card. '' I was also told that I will receive XXXX % off my purchase. I did n't receive XXXX % off, was left waiting for 30 min as they approved the card, and was then promptly charged interest on the card. Furthermore, I found out that this card was issued by obtaining a credit report, which I did NOT authorize. When I closed the account, I received a letter stating that the credit agencies will be notified of the closing of the account. This is completely unacceptable as I was misled on several levels.
Consumer complaint received 2020-06-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO. (NY)

Due to coronavirus I was laid-off from my job in the XXXX  industry on XX/XX/2020, leading to a one-time missed payment of XXXX dollars on my Chase Bank credit card. JP Morgan reported this information to the credit bureaus on XX/XX/2020 which caused my credit score to plummet XXXX points at once. I have since brought this account current and I am ready to pay off my remaining balance if need be. I am XXXX years old and I have been a loyal customer for 4.5 years. I believe this has essentially ruined my credit unnecessarily at a very tenuous point in my relatively short financial history. I have tried to contact customer service since the reporting occurred and have been unsuccessful.
Consumer complaint received 2018-05-14
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (GA)

On XX/XX/2016, this debt for {$9800.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Consumer complaint received 2022-03-04
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. (NY)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: First Advantage LNS Inc. (TX)

My credit score dropped 20 points recently and I did not know why. I pulled my most current credit report and found " National Credit Audit Corp '' from something from XXXX. It was reported XX/XX/XXXX but stated it was assigned XX/XX/XXXX. The creditor class states 'rental/lease ''. I do not know what this is about and why is this suddenly popping up five years later.
Consumer complaint received 2022-03-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (OH)

24 calls so far for the month of XXXX. Have ask them to stop calling. They sent an email saying they didn't have an account in my name but, removed my number from their system? How do you have my number in your system, if you don't have an account for me? Have contacted an attorney about this and will move forward with legal action if this doesn't stop. Have all recorders of all the calls I have received for the last year. XXXX is the number that keeps calling me daily.
Consumer complaint received 2022-06-18
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 XXXX  account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer report agency can not furnish a account without my written instruction XXXX XXXX XXXX # XXXX Dept of Ed XXXX # XXXX U.S dept of education XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-06-18
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; DEPT OF EDXXXX XXXX Account # XXXX ; XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXXXXXX, Account # XXXX ; DEPTEDXXXX Account # 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 an account without my written instructions
Consumer complaint received 2018-05-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southern Oregon Credit Service, Inc. (OR)

i received a letter of intent to file a lawsuit by southern oregon credit service. i sent them a letter requesting validation of the debt by certified mail on XX/XX/2018. it was received by them on XX/XX/2018. to date there has been no response or communication from them.
Consumer complaint received 2022-06-18
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; DEPT OF ED/XXXX  XXXX, Account # XXXX ; XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXX ; DEPTEDXXXX Account # 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 an account without my written instructions
Consumer complaint received 2020-07-29
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (WA)

I filled an application for a XXXX XXXX refinance on XX/XX/2020 and the company has been going out of its way to push me into a regular VA loan by placing extraordinary delays, costs, and requirements on the low documentation loan. I have also been subjected to repeated delays whereas my information is regularly submitted for the wrong amount or wrong loan product. Lastly, the company is attempting to re run my credit report after already charging me for a credit report and providing a copy of that report from XX/XX/2020. The lender is stating that the wrong social security number was entered into the system and another credit report needs to be run when that is not correct. 

A XXXX XXXX  IRRL does not require a credit report whatsoever and the fees should be less due to the lower processing. This lender is doing whatever it can, attempting to charge premium fees and costs for less favorable rates while the market rates continue to decline to discourage my VA IRRL application. for example, a rate quote of 4 % with nearly {$7000.00} in closing costs is both higher than my current rate and not allowable whereas an IRRL requires a rate reduction of at least .5 % as well and costs that do not exceed 36 months recoupment period. I have been quoted less favorable rates and fees of {$6000.00} - {$11000.00} which are significantly above the allowed limits and current market competition with suggestions to steer me into a full VA loan.
Consumer complaint received 2021-09-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Lending Club Corp (NY)

This bank is crazy I feel discriminated based on my XXXX I cant XXXX  and they refuse to take care of me and this horrible experience I didnt know they offer checking online and I applied but their system is unable to verify my identity when Im entering in my correct address and information when I call they dont do anything horribke bank they should be requesting documents and opening my account manually they rather treat me like this as a new customer what ashamed
Consumer complaint received 2018-12-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION (VA)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/FDCPA.

This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Account Number : XXXX Date : XX/XX/2013 Amount : {$750.00}
Consumer complaint received 2018-12-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I have been dealing with this issue for months in attempting to correct the reporting of my account of XXXX XXXX XXXX XXXX when my account keeps getting reported/reflected incorrectly. Each month I discover the account reported negatively, I send supporting documentation to correct the issue. It gets corrected for a month, and then the following month it shows a negative status again. I do not know where the mistake lies, with the credit company or with XXXX XXXX XXXX XXXX but it needs to stop being incorrectly reported and having me spend time and money correcting the same problem over and over again. 

Over the past several months, the negative reportings have been " in collections '', " charge off '', " repossession '', and most recently " partial payment '' used interchangably. I have been paying XXXX XXXX XXXX XXXX at over the required payment for an auto loan consistently and on time ever since I got the loan in 2017. Additionally the vehicle has not been repossessed. It was involved in a motor vehicle accident, and was " totaled out ''.
Consumer complaint received 2023-06-06
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. (FL)

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-04
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: AMERICAN EXPRESS COMPANY (NC)

I was told by amx that I called in XX/XX/XXXX I called to say I lost my gold card.i did not make this call and a card was sent out. I stopped using my gold gard XX/XX/XXXX. I didn't find out about this card until XXXX. I filed for XXXX  in XX/XX/XXXX and I never got the bill because I'm sure it went to the address they mailed it to. I was trying to pay the bill inXXXX when I was sent the statement that's when I found out about the account. They have taken all the charges off my account but I paid on that card because I didn't know I was paying on that card. At that time they didn't name the card they just gave the number they don't do that any more but that's how I paid on a card without knowing. I have sent them copies of there statements to prove the payments that I made and I have been waiting since XX/XX/XXXX to get my money back. One day they don't know what I'm talking about and start over. Another day they need more information. Or the back off is still working on it and have not updated them. It has been almost two years. And nothing. In XXXX I was given a name and was told he had the account since XXXX. XXXX I was told in 30 days it should be handled. Here we are in XXXX and nothing. I had a lawyer send a demand letter in XXXX and they had 10 days to respond and nothing. The lawyer told me to come to you for help because it's not enough money to pay a lawyer. It is close to {$2000.00} or more I need my money. This is there mistake and they need to fix this. I got a letter years back telling me they changed my address I called to say I never changed my address that should have been a red flag to them if I'm saying I never changed my address and the was changed. Please help me get my money back soon.
Consumer complaint received 2018-05-14
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Midwest Recovery Systems (TX)

I took out a payday loan around 5 years ago that I had every intention of paying back. I was not at the time able to do so and it was sent to collections. The collections company Midwest Recovery has called myself and my family stating I had a pending suit or that charges would be filed against me if I didn't return their call. I've also had them leave voicemails stating they were from a government office. In addition to this they are reporting on my credit that this account is only 6 months old when in fact it is around 5 years old. I don't feel that any of this behavior is acceptable or trustworthy.
Consumer complaint received 2020-07-31
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. (GA)

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$460.00} XXXX  XXXX {$470.00}
Consumer complaint received 2022-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Love, Beal & Nixon, P.C. (OK)

Love, Beal & Nixon got a wage garnishment against me for {$10000.00} for a debt that is not mine from XXXX. LB & N claim that I owe this debt. The debt is from a credit card company called XXXX. They went out of business in XXXX.XXXX, picked up the debt in XXXX and sued me then XXXX XXXX in XXXX. I have never heard of XXXX, nor have I ever been served with a Subpoena to appear in court. XXXX hired Love, Beal & Nixon a debt collector, I don't know when. I'm guessing in XXXX. LB & N say they served me a subpoena in XXXX, which is a bold face lie. I have NEVER been served with a subpoena of any kind, from anyone. Now zoom to XXXX LB & N have gotten a wage garnishment against me for almost. I called them to see if they would take less, or get some kind of payment just to get this over with. I first offered {$1000.00}, the {$2000.00}. She said that they want {$11000.00} now. What happening here, in order for me to get out of this debt, that is not mine, I'm being forced to file for bankruptcy. That's not right. I've spent the last 9 years building my credit, from a score of XXXX, to a score of XXXX. For 9 years I have never heard hide nor hair from Love, Beal & Nixon. Not a word. Now this. They want more money now, than what the garnishment is. At 29.99 % interest. There is absolutely no way for anyone to pay that off. I bring home {$1500.00} a month. And I am at my witts end. Nor do I want to file for bankruptcy. I don't know what else to do. They are trying to ruin my life. I'm XXXX, and I don't know who to turn to, but you. Please help.