davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-04
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. (FL)

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 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 2018-03-29
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have requested that this debt be removed multiple times as it is both erroneous and false on my credit reports with XXXX, XXXX, and XXXX. This account XXXX has been misreporting as a factoring company on my credit reports.This is a direct FCRA violation and I will seek to file suit unless this account is removed from my credit reports.PRA is reporting falsely because they are a debt collection company not a factoring company.
Consumer complaint received 2018-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I am in the process of lowering my debt ratio. This year I have paid off XXXX dollars in debt. {$8500.00} was to Synchrony bank on a vehicle loan. 
Now Synchrony bank who also is the lender on my XXXX XXXX XXXX has lowered my credit limit to the amount I currently owe. 
I have never been late with a payment. I always pay more than the minimum due. My credit is taking a dive because these ratios are off but when they lower my limit it gives a false number. This should not be allowed. If I had been late I would understand. But this seems manipulative to me. My credit score has gone down by over 70 points in one year and I have never been late on a payment and have paid 2 loans off. This is because of acts like this.
Consumer complaint received 2021-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL (NY)

Synchrony bank ( the issuer for GAP credit cards ) automatically enrolled me in paperless billing but they did not enroll me in text / email alerts. This caused me to miss payments on my credit card bill because I was unaware that they were any due. The payments were for XX/XX/2021 and XX/XX/2021. This has resulted in {$80.00} fees, which I am certainly upset about in this economic environment. What I am also concerned about is the damage to my credit score. The damage can result in more expensive financing in the future. I don't have a satisfactory answer from the bank about the result.
Consumer complaint received 2018-07-09
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: Experian Information Solutions Inc. (NJ)

Contacted several companies due to unauthorized credit inquiries in my recently received credit report. Was advised to contact the XXXX, Experian and XXXX. XXXX  helped opening the pertinent claim to remove the inquiries, while XXXX  and Experian refused to assist claiming there is nothing they can do. 
Inquiries to be removed as not authorized are below, some appearing as much as 4 times as it is the case with XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, etc.

1-XXXX XXXX XXXX  2-XXXX XXXX XXXX XXXX XXXX 3-XXXX 4-XXXX 5-XXXX XXXX XXXX 6-XXXX XXXX 7-XXXX XXXX 8-XXXX XXXX XXXX XXXX XXXX 9-XXXX XXXX XXXX XXXX 10-XXXX XXXX XXXX 11-XXXX 12-XXXX 13-XXXX  14-XXXX XXXX 15-XXXX XXXX XXXX 16-XXXX XXXX 17-XXXX XXXX 18-XXXX
Consumer complaint received 2017-08-25
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: TD BANK US HOLDING COMPANY (FL)

OnXX/XX/XXXX I visited TD Bank branch in XXXX XXXX XXXX to complete international wire transfer. Employee XXXX was assisting me, I specifically requested the funds ( USDXXXX ) to be transferred in USD, while performing the task, XXXX XXXX me that the funds " switched to CZK '' when I asked why, he stated he did not know, I told him again, I really want him to transferred in USD, he replied that it would transferred to CZK and asked if I want the transfer to be completed or not ( misleading me to believe that the XXXX bank may be the issue, and there is nothing he can do ). As I was led to believe that there is no other way to complete the transfer than in CZK, I agreed. By this exchange transaction, I immediately lost approx XXXXUSD, resulting in further loss of another XXXXUSD when the funds had to be transferred back to USD in the bank in XXXX. Since I was led to believe that this was XXXX bank issue ( and not TD ), we contacted the bank and was advised that the transfer was incorrectly performed by TD. When I contacted the TD branch, I was advised by the assistant manager XXXX, that the funds can be easily transferred in USD, that the system is just " a little tricky '' and if the funds are converted, you have to exit the transfer and start again. When I contacted the manager of the bank, she was rude, uncooperative, and when I met her in person and spoke to XXXX, he was lying about " offering me to exit the transfer and re-start the transfer in USD '' ( which he certainly did not, nor was he probably even aware of the issue at the time of the transfer, and it was exactly what the assistant manager advised me prior, and I repeated to the manager when I talked to her on the phone earlier that day ), he said that I was fine with transfer in CZK that I really did not care ( not true ), and the manager advised me since I signed the transfer form, there is nothing she can do for me. I wrote letter to TD Bank corporate office in attempt to resolve this issue, but never heard back. I am deeply disappointed and concerned with TD process and unwillingness to address this issue. The transfer fee was XXXXUSD ( which would be all I would pay ), however, by the incapability of their employee and/or defective system, TD instantly gained additional approx. XXXXUSD by converting my money to foreign currency. It certainly raises a question how often this happens ( I doubt I am the only one who experience this issue ), and if TD is aware and just does not want to correct this issue ( there certainly was not any effort on TD side ).
Consumer complaint received 2016-09-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Security Credit Services, LLC (CA)

I checked my online credit report today and discovered that my credit rating had dropped from very good to fair due to a bad debt of {$1600.00} that had gone to collections. I remember receiving a debt collection notice in the mail less than a month ago, but I had disregarded it after XXXX the agency name and only coming up with fraud messages. At that time, when I had tried to call the number in the mail, I was not able to reach anybody or even a machine. My credit report says that the original creditor is a company called XXXX XXXX, but I have never heard of that company before. I have never taken out that loan. I really need help because none of these companies are responding or even available for questioning.
Consumer complaint received 2021-03-04
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Client Services, Inc. (MI)

This collection agent continues to call even though whoever they are trying to contact does not live here. I have called the company and was told they would stop calling. They call every single day!!!!! I cant get them to stop. The agency is Client Services Inc and the number they want me to call is XXXX. That is where I called and told them to stop calling as the person they are trying to reach does not live here. They have called at least daily for a week since I told them to stop.
Consumer complaint received 2017-10-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc. (NY)

THEY CONSTANTLY CALL AND REFUSE TO REMOVE ANYTHING FROM MY CREDIT REPORT AFTER I DISPUTED THE CHARGES. THEY ARE A THIRD PARTY COLLECTION AGENCY. 
I sent via certified mail, a request for your offices to provide me with proof of the debt you alleged I owed and not a computer printout, I would like to see papers with my actual signature of such debt and not a computer printout. In that same letter, I also included my Cease and Desist instructions. This is not my debt or it is a fraudulent account and it is not my account.
After verifiable delivery of my Cease and Desist & Estoppel by Silence letter ( via your office 's signature ) you continue to contact me. As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense when I bring your company in front of a judge.
Not only have you ignored my prior requests for validation of debt also you continue to report this debt to the credit bureaus causing damage to my character. This letter will again request that you follow the FDCPA and provide the following : And I do mean all 4 request not some. 

Validation of Debt Request -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature ( Not a Computer Printout ) -License proof to collect debts in my state And a copy of my NYS Photo ID which is required to open this type of account
Consumer complaint received 2017-01-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ORG GC GP BUYER, LLC (CA)

I was recently the victim of identity theft via a massive data breach last year with my former health care insurance company, XXXX. I received a bill for cell phones purchased in my name from XXXX in XX/XX/XXXX of last year and immediately called and reported it with XXXX in XXXX 's Fraud Department on XX/XX/XXXX. She helped me report the account as fraudulent as she assured me the account was marked as " fraud '' and closed. I have continued to receive bills from XXXX and now also received a collection notice from GC Services Limited Partnership. I called XXXX to inquire about why they would have turned over a closed fraud account to a collection agency, and I could not get through to anyone via telephone in the XXXX Department for help. I was referred to a website dispute form to fill out and submit, by All Clear ID ( a credit monitoring and assistance company hired by Anthem to assist their ID theft victims ). This dispute form states clearly that XXXX has 30 days to respond. When I spoke to XXXX XXXX at GC Services Limited Partnership, she said that she can place the account in a dispute status only until XX/XX/XXXX and then it will be reported at all credit bureaus. Since I can not obtain my police report for a week, it would seem that XXXX has made it impossible for me to remedy this situation that I am completely not responsible for, in time to prevent my credit from being affected. I am now forced to seek legal remedies from XXXX due to their unethical practices and refusal to help me in any way other than a process they have devised to allow them to take advantage of anyone who has been victimized by fraud. I have been victimized by Anthem 's lack of data protections for it 's customers, and now I am being victimized by XXXX for an account that I did not open.
Consumer complaint received 2018-03-29
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: BTH Management (OH)

Borrowed money in XX/XX/XXXX for {$1000.00} and the payments were never deducted from my bank account. After a few months, I contacted the original loan company and was told that they had no file with my information for a loan. I did not hear from them after that until XX/XX/XXXX when I received a rude message from a woman from XXXX XXXX stating that myself and my attorney needed to contact her. The woman also stated in the voicemail that I was the registered owner of a XXXX XXXX vehicle. The vehicle she mentioned belongs to my ex husbands wife, who happens to have the same name as me, following her marriage to my ex husband. I do believe the lady from XXXX XXXX received my contact information from my ex husbands current wife. After that, I continued to receive numerous messages about a file connected to me. I have been working with a credit repair company for a year and they had sent requests to this debt collector requesting they validate the debt but the documentation was never produced. I am in the process of taking the steps to purchase a home and I needed to get this debt removed from my credit report to move forward. I spoke with the lady at XXXX XXXX and requested validation of the debt which again was never produced. I was told my only option to resolve the debt was to pay a sum of {$850.00} to which I did pay on XX/XX/XXXX so that I can proceed with a home loan. All of the information that was listed on my credit report about this debt was incorrect and not validated. I am asking to have this information verified and corrected or have the account deleted from my credit report due to false information. I would also like to request a full refund for the sum of {$850.00} that I was forced to pay. Other than what was reported to the credit bureaus, there has not been any sort of documentation printed on paper regarding this debt.
Consumer complaint received 2020-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC. (FL)

Creditor was advised of personal difficulties regarding reduced employment and lack of financial ability to satisfy debt due to COVID-19. Creditor indicated account deferral was available and - notwithstanding said deferral - subsequently reported account delinquent to the credit reporting agencies ruining an otherwise perfect credit history. Creditor should investigate and correct account history consistent with protections available for those negatively impacted by COVID-19.
Consumer complaint received 2018-07-10
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: CAPITAL ONE FINANCIAL CORPORATION (MI)

CASE # XXXX Companies have return policies that they are required to follow just like I'm required to follow them if I want to return something to a company XXXX XXXX have return policies they have a XXXX XXXX guarantee policies this information is relatively easy to find you can contact XXXX you can contact any XXXX XXXX contact the one closest to you and ask them if they have a XXXX XXXX satisfaction guarantee and you will see that I am telling the truth so please explain to me how you've come to this conclusion how is it possible that a company can have an advertised guarantee an advertised return policy in whenever I want to enforce that policy that is publicly displayed my credit card company doesn't agree with me. I would request that the merchant provide proof that they did what they claim they expect me to provide proof well then why can't I expect them to provide proof them just saying they did something isn't proof I did not receive any compensation myself XXXX XXXX did not receive any compensation from this hotel You keep sending me form letters but you're not actually answering my question I'm not going to go away until you answer my question they have a satisfaction guarantee policy it's advertised on their own website in addition to that the hotel did nothing that they claimed they were going to do you're telling me that they told you that they we're giving me points I never received any of that why can't you show me proof? I don't think it's unreasonable for me to ask to see the proof what documentation do you have that proves that they are right and I am wrong?
Consumer complaint received 2021-02-21
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. (PA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (NJ)

Hi, This is regarding my complaint against Citibank for their Costco Anywhere Visa card. I have not used this card for any transactions for since XXXX till date. Suddenly when I got my credit reviewed, I received information that there is a " Delinquency '' on my credit report. 

When I called up Citibank, I discovered that there was a transaction done in XX/XX/XXXX and they never sent me the card statement despite my informing them about my change of address. Thus, they have been adding late payment penalties and interest since that statement. 

I have called them 4-5 times, each time asking for details of the transaction and seeking card statements that can tell me if the change was legitimate or not. I have not received the requested card statement till date. 

When I called on XX/XX/XXXX they told me that the XXXX transaction was for renewal of Costco membership for {$120.00}. I acknowledged that it should be a genuine transaction and am willing to make payment for this amount if they can waive off all the late fee and interest charged to me. 

I don't think it is fair for them to charge the late fee and interest as a ) they never sent me the card statement thus caused the problem in the first place b ) despite multiple calls were not able to tell me the cause of the late payment penalties and c ) I am willing to pay off the legitimate amount I am seeking your help in resolving this matter as my credit score is negatively affected because of an act from Citibank caused by them and aggravated because of their deficiency in services where I am being unnecessarily being penalized.
Consumer complaint received 2023-01-27
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: MOHELA (CA)

In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. MOHELA/XXXX XXXX XXXX XXXX XXXXXXXX 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

To add personal statements : I've never made a payment to this company, yet they continue to report inaccurate information on my credit report regarding " current payments. '' I have not agreed to any terms with Mohela Pathway.

I never opened an " Education '' account after the year of XXXX. 
The company has yet to reply in writing to my Debt Validation letter sent on XX/XX/XXXX.
Consumer complaint received 2024-05-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (MT)

Mohela is engaged in deceptive trade practices. When I log into my account, it states that I am enrolled in " Auto-Debit. '' It shows my bank account information, the loans to which auto-debit applies, and the amount to be auto-debited. When I scroll down, it says, " Account Options. '' Under account options, it states, " Auto-Debit, Active : Yes. '' However, I was not auto-debited on XX/XX/XXXX, XXXX due dateand my account was marked past due as a result. 

When I called the customer service number, the customer service representative told me that Auto-Debit was not " working '' yet because I am new to Mohela ( I was transferred there from XXXX last XXXX ). But when I checked my account on XX/XX/2024, it showed that my auto-debit was set up and that I would automatically be charged $ XXXX monthly paymenton XX/XX/2024. And nowhere on the website does it state that my auto-debit is " not working yet. '' In fact, it affirmatively states that I am enrolled in auto-debit and that my auto-debit is " active. '' When I explained to the customer service representative that the website is deceptive, she laughed at me on the phone. 

I tried to submit a complaint online, but there is no way to do that. Under " complaint, '' the website states, " If you have already contacted MOHELA Customer Service and are not satisfied, please file your complaint via secure message or one of the other available contact us methods. '' However, none of the links for submitting a complaint work. They just take me back to the home page.
Consumer complaint received 2018-07-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc (OK)

I sent money to my step son in XXXX through Paypal.com. They changed the email address and sent it to the wrong person. I sent it to XXXX. Their system changed it to this address XXXX. I contacted them within 30 minutes of transaction. They told me it could not be changed. I cancelled a transaction the day before with no issues. I have emailed this recipient but no feedback. I have filed a report with my bank also. 

Sent to : XXXX XXXX ( The recipient of this payment is Non-U.S. - Verified ) Email : XXXX Payment sent to : XXXX Payment amount : ( in currency funded ) - {$170.00} USD Your fees : - {$8.00} USD Your total charge : - {$180.00} USD Payment amount : - {$170.00} USD XXXX XXXX 's fees : {$0.00} USD XXXX XXXX receives : {$170.00} USD Date : XX/XX/2018 Time : XXXX CDT Status : Completed Funds will be available to your recipient on or before : XX/XX/2018 Note : The recipient can send or spend the full amount on this date. If the recipient wishes to withdraw money, limits may apply. 

Subject : You have sent {$170.00} USD to XXXX XXXX with PayPal Funding Type : Credit Card Funding Source : {$180.00} USD XXXX Debit Card XXXX This transaction will appear on your bill as " PAYPAL XXXX ''.