davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-20
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: Experian Information Solutions Inc. (MO)

After being notified about my credit report, I seen accounts inwhich I have absolutely an knowledge of. Not sure if my name gotten mixed up due to me being a XXXX., or did someone out right steal my identity. Whatever the case may be I'm disputing the following accounts as of my consumer rights as fraud. The accounts are, 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX {$230.00} 6 ) XXXX XXXX XXXX Please remove these accounts or provide me with a physical signed certified contract for the above accounts or remove them immediately.
Consumer complaint received 2021-03-03
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: CAINE & WEINER COMPANY, INC. (DE)

This company continues to report false information on my credit report. this company claims to be allowed to collect on this alleged debt. This company can not provide the contract that I signed that states I owe this debt. Further more this company can not produce actual proof that they purchased this debt from anyone. I demand to see the proof, if not i want this deleted.
Consumer complaint received 2021-02-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY (MO)

I closed an American Express charge card account on XX/XX/2020. 

There was a balance of approximately {$530.00} owing to me when I closed the account. 

American Express told me that I would receive the {$530.00} within 15 business days. 

I provided checking account information so the {$530.00} could be sent to me by wire. 

On approximately XX/XX/XXXX after 15 business days I had not yet received the {$530.00} refund, so I called American Express. The representative apologized and told me I would receive the refund within 5 business days. I confirmed that American Express had my checking account information correct for purposes of making the wire. 

On XX/XX/XXXX after another 7 business days I had not received the {$530.00} refund so I called American Express again. The representative apologized and told me I would receive the refund by wire no later than the close of business on XX/XX/XXXX. I again confirmed that American Express had my checking account information correct for purposes of making the wire. 

I did not receive the refund on XX/XX/XXXX. 

On XX/XX/XXXX, I had still not yet received the {$530.00} refund, so I called American Express again. I was transferred to a manager and was told that she would do everything she could to expedite the refund within XXXX business days. I again confirmed that American Express had my checking account information correct for purposes of making the wire. 

On XX/XX/XXXX, after 5 business days I had still not received the {$530.00} refund, so I called American Express again. I was again transferred to a manager who said they would look into it. I again requested that American Express make the refund as soon as possible and contact me with updates. 

It has been 30 business days since I closed the account and I have still not received a refund.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Neon Newco Corporation (RI)

Yes on about XX/XX/XXXX or XXXX 2019 i belive it was i was broke i waited for one of my children to get home so i could ask him for permission to pawn his XXXX anyways him n i go to the pawnshop and i pawned it for XXXX my other son comes home and asks me why you pawning the XXXX did u check your liberty tax card my friends moms got her taxes so i ask him for the phone and wen i check my tax return was there alright but that was not what caught my attention what caught my attention was all them transactions made on it so i got up and i went to the XXXX XXXX office so i could speak to the agent i speak to her and i tell her someone is using my card she says call from your end cause theyre closed for us after XXXX so call and stop the card but come back tomorrow that am in and ill give you another card and ill make the call for you so i went home i called netspent and i told them that theres transactions that i didn't do i asked her cant you stop them since there still pending she says no because in order to make a complaint they have had to gone tru so call tomorrow so i cancelled the card i wait to tomorrow at XXXX that the liberty tax lady is in to speak to her n get a card so i speak to her she gives me a card she calls netspent and talks to them she speaks to me i go outside and the 1st thing i do is call netspent   since i had the newcard the lady tells me yeah that the card works n i tell her everything that happend from me waking up to noticing the transactions anyways everything is set she gives me an email and a reference number n tells me make copies of the transactions and send everything you think might help your complaint so i write everything down and the 1st thing i do is go to XXXX and buy me a phone cause my old phones screen was all cracked anyways as am looking and taking pictures of the transactions thats wen i notice an email that am familiar with it n its in one of those transactions that weren't made by me and i also see 2 other transactions made on XX/XX/XXXX and XXXX for {$110.00} and another for {$50.00} with the exact email and i start saying to my self XXXX this is crazy its a guy i once dated that i let stay at my house and dats his email and he lives in Pennsylvania his name is XXXX XXXX so i make a police report and i tell this to the cop he makes the report and the next day i go n picked up a copy so am sending everything to netspent and because of all this Drama and all of this stress i had a XXXX and can you believe netspent did not find nothing wrong to my complaint i sent them copies of the pawnshop receipt i even sent them copies of the XXXX i had i kepted on sending them notes of how i felt so i started to look for another email so i could write netspent someone higher and tha someone higher gave me credit for 2 of the transactions but not the others which it dont make sense to me ...
Consumer complaint received 2019-04-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

Initially, I contacted the debt collector asking for validation of a medical debt that was allegedly owed to a hospital for emergency services in the amount of {$3600.00}. In the letter, I ask that they VALIDATE the information and NOT verify the information. I also asked that they would send me a copy of my signed HIPPA release which gave them the right to release my information. 

The debt collector responded to my letter by delivering an itemized statement from the hospital which included all the medical services I allegedly received as well as the medication. They did not include my signed HIPPA release with with their response. This response from the debt collector was a blatant violation of HIPPA as my medical information is private and can only be release under my authority. In this instance, both the debt collector and the hospital are in violation of my rights.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (IL)

Barclaycard XXXX On XX/XX/XXXX requested Rewards redemption of {$53.00}. As of XX/XX/XXXX money is not in my checking account. 
Requested an investigation on XXXX. Since then I have spoken to six different people. Each one says the investigation is completed and money was sent to my bank. When I ask for a reference number for the transaction nobody can supply one. When I ask to double-check the payment instructions no one can help me. Barclaycard uses ACH to make payments. Every ACH transaction generates a source and destination Trace ID number. When I ask for these numbers nobody knows what I'm talking about. I'm being stonewalled. 
I believe the transfer was never made. Normally I get an e-mail confirmation of my redemption ; not on XX/XX/XXXX. Barclaycard might have had a computer glitch on XX/XX/XXXX and is covering it up. If that's the case I'm not the only victim and Barclaycard is pocketing the money of a lot of other cardholders.
Consumer complaint received 2019-04-20
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: CONGRESS COLLECTION CORP (WA)

CONGRESS COLLECTION- claims medical debt as of XX/XX/2016 for {$1600.00}. Validation letter sent requesting proof original contract with original signature, payment history and etc. No response. Dispute with XXXX  with no update information. No details were provided for such medical claim. At the time the date listed above I was leaving in XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-04-20
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SUNTRUST BANKS, INC. (DC)

I surrendered my car two years ago because of hardship. I could not keep up with the payments..I really believe that the vehicle was way over priced. I needed it because the one i had prior from the same dealership had computer problems, that could not be remedied. So i needed another vehicle for work at that time. After getting the vehicle i looked at the " blue book '' value and realized that i was charged {$15000.00} dollars more then the car was worth and payments almost {$500.00} a month + insurance. So when i could no longer work because of health issues. Which I relayed to the lender. And was put on a payment plan.I found myself struggling to survive. I am on XXXX now. I received a letter from XXXX XXXX XXXX with an offer to pay 25 % of the debt. I called and was told i would have to pay it off in 3 month. When i called back. I got another irate representative that told me that i could not pay what i had agreed on. I ask why,,, she demanded that i pay the whole amount. Because of my XXXX i can't afford to go back and forth with this. I need help.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc (NJ)

I bought a magazine subscription. I used my PayPal account to charge for the subscription. I then tried to add money to PayPal to pay for the subscription. PayPal refused to take my money and is beginning to charge me fees. I can provide you my checking account balances to show that I have enough money to pay the {$34.00}. They websites says " add money ''. I go through that service and the options are not available. 

I reached out to them via PayPal " contact us '' message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called them on those days too but the automatic system hangs up on me. The customer representatives told me that the option is available for me to add money. I go back to their website and it is still not working. 

As per the customer service rep suggestion, I sent them a check on XX/XX/XXXX PayPal , Inc . 
Attention : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They wrote me : " Upon receipt, a personal check normally takes 7 business days to post to your account.

Upon receipt, a cashier 's check or a money order normally takes 2 business days to post to your account. 

Please keep in mind that, while your account balance is negative, any payments you receive in your PayPal account will be applied to the outstanding balance and any refunds you attempt to issue will be funded by an electronic transfer from your bank. Finally, please keep in mind that your account could be limited until the negative balance is paid. '' It has been three weeks. They have not taking my money XXXX source : XXXX XXXX  XXXX. 

PayPal is starting to charge me fees for my negative account that I try to rectify via all the means they provided. Please help me. I am very upset. As a legal immigrant, I do not want to do something that is not right and I feel that PayPal is taking advantage of me. 

I enclosed the print screen examples of what I go through the PayPal. The last print screen - " Fifth page '' - clearly shows that I have linked accounts. When I select them and then press " next '' -> nothing happens. There is no new page. I brought that to the company reps attention and they all told me that I am wrong ( I guess bevause I am an immigrant and dont write good ).
Consumer complaint received 2022-09-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Personal information incorrect
Company: OPORTUN FINANCIAL CORPORATION (NY)

In accordance with the fair credit reporting XXXX  # XXXX, has violated my rights. 15 USC 1681 section 602 States I have a right to privacy, 15 USC 1681 604 A Section 2. it's also states a can't reporting agency CAN NOT furnish a account without my written instructions. 15 USC 1666B : a company can not sell or buy any debt from a third party and try to collect nor report fraudulent information, also I need anything my signature was signed to obtain any information
Consumer complaint received 2019-04-20
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. (CA)

Transunion has allowed a collection agency 's debt/collection amount to remain on my credit report after they have received my letter regarding fraud/identity theft. There is a company named XXXX XXXX XXXX that I have no knowledge of, put two medical collections on my credit report for {$180.00}, which do not belong to me. I have never had any dealings ( including medical ) with the named company, nor did the company provide me, nor Transunion, legal validation that the debt belongs to me. The company, XXXX XXXX XXXX, did not and can not show written proof of my signature that I agreed to any dealings or medical treatments with them, nor did I provide them any written authorization or consent to obtain any of my medical records or history ; at which, if the debt was mine, they would be in violation of the HIPPA law, as all signatures contain personal medical history and costs of services. Again, I have no knowledge of this debt, no knowledge of this collection agency named XXXX XXXX XXXX. Transunion had received information regarding my identity being compromised, and the collection agency can not legally validate to me, nor to Transunion, that the debt is mine. No proof of signature or written consent from me to the collection agency was ever provided by me. I'm requesting that Transunion please remove the Collection Agency named above and the collection debt, which is not mine, of {$180.00} from my report.
Consumer complaint received 2019-04-20
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NV)

I NOTICED SEVERAL FRAUD CREDIT CARDS OPENED UO IN MY NAME AROUND XXXX OR XX/XX/2018 THAT I DIDNT OPEN AND I NEED ANY INFO THAT WAS PROVIDED TO OPEN THESE CARDS IN MY NAME WITHOUT MY CONSENT. I CHECKED MY CREDT TODAY ON XXXX XXXX AND I COULDNT BELIEVE HOW MY CREDT HAS DROPPED TREMENDOUSLY DUE TO THESE FRAUD ACCOUNTS. I NEVER SIGNED FOR ANY CREDIT CARDS OR APPLIED FOR A SAMS CARD NOR WALMART CARD THIS IS FRAUD AND I AM ASKING FOR A COMPLETE INVESTIGATION.
Consumer complaint received 2019-04-20
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)

Experian has allowed a collection agency 's debt/collection amount to remain on my credit report after they have received my letter regarding fraud/identity theft. There is a company named XXXX XXXX XXXX that I have no knowledge of, put two medical collections on my credit report for {$180.00} and {$80.00}, both which do not belong to me. I have never had any dealings with the named company, nor did the company provide me, nor Experian, validation that the debt belongs to me. The company, XXXX XXXX XXXX, did not and can not show written proof of my signature, nor did I provide them any written authorization or consent to obtain any of my medical records or history ; at which, if the debt was mine, they would be in violation of the HIPPA law, as all signatures contain personal medical history and costs of services. Again, I have no knowledge of this debt, no knowledge of this collection agency named XXXX XXXX XXXX, Experian had received information regarding my identity being compromised, and the collection agency can not legally validate to me, nor Experian, through my signature, that the debt is mine. I'm requesting that Experian please remove the Collection Agency named above and the collection debt, which is not mine, of {$180.00} and {$80.00} from my report.
Consumer complaint received 2019-04-20
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (OR)

Navient has very poorly in the past described what repayment options there are and seemed like deferment was the best option. I make about 2000 a month and XXXX/month is not affordable on top of other living expenses.
Consumer complaint received 2019-04-20
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (NV)

HYUNDAI, THIS IS MY LAST AND FINAL REQUEST FOR YOUR COMPANY TO PROVIDE ME WITH THE CORRECT DOCUMENTATION I AM REQUESTING THIS IS THE SECOND TIME YOUR COMPANY HAVE SENT THE CONTRACT WHEN WE HAVE REQUESTED A COPY OF THE APPLICATION THAT WAS SUBMTTED FOR APPROVAL AND FINANCING THAT WAS FILLED OUT AT THE DEALERSHIP AND SUBMITTED TOY HYUNDAI THAT SHOWS XXXX XXXX MONTHLY INCOME EACH TIME YOUR COMPANY HAS SENT THE CONTRACT. WE NEED THE APPLICATION FOR SOME REASON HYUNDAI AND XXXX HYUNDAI HAVE BEEN DODGING NOT SENDING THAT APPLICATION FOR CREDIT, IF WE DONT GET A COPY OF THE APPLICATION I WILL ASK THE STATE ATTORNEY GENERAL TO STEP IN AND ASSSIT. FOR SOME REASON NEITHER PARTY WANT THAT APPLICATION REVEALED. THIS IS OUR LAST REQUEST TO ASK FOR A COPY OF THE APPLICATION, APPLICATION, APPLICATION, NOT CONTRACT.
Consumer complaint received 2022-08-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc. (FL)

IN RESONSES TO CFPB : XXXX XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXXL XXXX XXXX  XXXX : XX/XX/XXXX COMMONWEALTH FINANCIAL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, 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 ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious COMMONWEALTH FINANCIAL XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-04-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MRS BPO, LLC (WA)

Earlier this month i saw a new collecrions on my account from XXXX XXXX and i never opened an account, nor had service from them. 

Today XX/XX/19 I called XXXX XXXX and i was directed to finance, the women I spoke to took my name and asked me to hold. She then came back on the line and asked me my code, ive never had a code, so she asked what city I lived in and shesaid thats not the town, i said listen lady ive never had an account and she saud well its your name but you cant provide me with the correct information so take it up with thecollection agency. I saud there should be not be in a collection agency lady, your prior employee couldnt find my ss # in your system but you found my name, so why do i have it in collections under my ss #? She said she couldn't help me so, i yelled im turning you into consumers protection and youll pay for the damages then! I recently started a busuness and this is hurting my ability to get new equipment. I want monetary relief in the amount of XXXX for the machine i coukd not purshave due to XXXX XXXX   negligence and this taken off my account asap. Please get back to me as soon as possible. ( XXXX ) XXXX my names XXXX XXXX and i own XXXX XXXX. Thanks.