davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-12
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Windham Professionals, Inc. (CA)

In XX/XX/XXXX, I received a letter from a collection agency. I did not recognize the debt and called to find out what this was for. I was told it was from the Dept of Ed. I told them that I did not have any outstanding debt. I requested proof. They mailed me a copy of some application. I wrote a letter in return stating that the name signed on that application was not mine. The ss # was not mine. The date of the application shows that I was a minor at that time. I never heard back from them. 
This year of XX/XX/XXXX, I was waiting for my Federal Income Tax Refund which was delayed. I called the IRS to find out where it was. I was informed that it was taken by Windham Professionals Collection agency.
Consumer complaint received 2022-03-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

I ordered steaks from XXXX. They had a 30 day guarantee policy on steaks. The steaks were awful. SO I called them and offered to return them. They told me they can't accept return steaks, so just dispose of them and they will credit my account. Almost a year later, I was contacted by XXXX XXXX to pay for the steaks. I called for a copy of the original order and they don't have it. All they have is a printout of what they say I owe. I called XXXX to discuss and that order isn't in any of their systems, so I couldn't resolve it then. I sent two certified letters to XXXX disputing the charge, asking for backup, etc. One was sent XX/XX/2021 and the other XX/XX/2021 - both of which I have a signed returned receipt for. XXXX closed the case. 

Now I got a letter today from Penn Credit Corp. Same dispute. I'm not going through this again. I spent alot of time and money disputing the last dispute and it seems illegal that XXXX can just assign the same debt to different credit companies after it was resolved with the first one. They never provided me a copy of the actual order. XXXX customer service says it is because the return was processed and deleted from their sales system.
Consumer complaint received 2022-03-03
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. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-10
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. (GA)

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights. Regarding alleged accounts # XXXX, 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. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove.
Consumer complaint received 2021-05-21
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc. (FL)

On XX/XX/XXXX I submitted a deposit of {$1200.00} USD into Coinbase Pro. The money was taken from my checking account but never credited to my Coinbase account. In the App it says PENDING DEPOSIT and on the website it says PENDING highlighted in YELLOW. I contacted support and was given Case # XXXX, they told me the money was deposited into my account, but this is NOT true. The balance in my account is NOT {$1200.00} and I have not made {$1200.00} in trades so this is not possible for me to have received the money. I need this escalated so they can properly credit my account with my money that they took from my checking account.
Consumer complaint received 2022-03-03
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: EQUIFAX, INC. (TN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-09-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (TN)

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k.

You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Chase due to the response I received. 

Recent delenquency on credit report That I have sent proof that it was an error being corrrected
Consumer complaint received 2022-03-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

As you know we are finally being relesed from a 2 and a half year pandemic. A lot of life changing things have happned in that time frame. I am aware information getting mixed up transfered to the wrong hands etc. Honestly I am not here to point any fingers or provide a XXXX story. I do want to point out some facts as proof to why this capital one account is not mine and why it shall be delted from my credit report. when i look at my credit report i see a credit limit for {$1000.00} but balance of {$1400.00}. I knwo im not the smartest but my cards that i have opened do not go over {$400.00}. if i knew i could get that high of a limit starting out i would have signed up. the only card on my report that is really high is an authorised user my father put me as on his card. so honestly that raises a red flag for me. i am a hard working mother providing a lifestyle for my family so i do not have time time to fall back especially when it come to credit cards. it gave me a XXXX when i seen the item on my report truth be told. let alone the amount this card had on it. i would never allow a high balance card to close or any card for that matter. when it come to finances i work diligently to be responsible. another thing is the accoutn was opened in XX/XX/2018. I was a mother with a XXXX XXXX XXXX so there is no way i would have been in anyones bank with my XXXX  or honestly even have the time to thing about credit. so that definitely raised another red flag for me. now during the time of my XXXX i had a couple as roomates we did not know eachother very well but we had an ok relationship. anything is possible so it could be possible my personal information was looked at. i do not know it to be a fact but i am just saying because we did have a weird falling out and the couple left in a hurry. In all reality i do not want to prolong this situation because i want to start the process of buying my house. the lender i am connected with has already expressed the better my profile is the lower my interest rate and higher amount potentially approved for. So you see if the item was truthfully mine i would have arranged to pay it. i have integrity and i am very ethical. especially when it come to my finances or even other peoples money. i know money is veery signifcant an we have to tke care of it. I really hope someone sees my letter and assits me in getting this false item delted. i tried to make syre this doent sound like a XXXX story but more of fscts and straight to the point.
Consumer complaint received 2021-05-21
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: EQUIFAX, INC. (LA)

I XXXX XXXX XXXX a Federally Protected Consumer rights have been violated. Equifax Consumer Reporting Agency is in direct violation of 15 USC 1681 a ( 1 ). Accuracy & fairness of credit reporting.I did not benefit nor consent to these notated accounts being furnished.I value my consumer report and only a natural living person can do that.
Consumer complaint received 2017-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

this bank own my loan and they hired Specilaized loan servicer to handle my mortgage the servicer are fraud and toy with me. send this creep to my property hide in the bushes and take picture of my property
Consumer complaint received 2017-07-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (AZ)

[ AFNI, INC SCAM ] AFNI, INC XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX This account was opened in XXXX Michigan XXXX at XXXX XXXX XXXX. This account was paid IN FULL on XX/XX/2014 and XXXX was paid Directly to XXXX desk agent at the XXXX store in XXXX XXXX Michigan. I have my credit card monthly statement to prove it. This debt was a past bill that was unpaid but had to be paid in order for me to start a new service at my new address at XXXX XXXX XXXX XXXX, XXXX XXXX, Michigan. The debt collection companies " buy already paid debts '' and past it around from collection company to collection company to attempt to rod people of money. Both XXXX and XXXX have investigated and removed this same item from their credit reports after I disputed them. So now the collection company is trying the last credit reporting agency XXXX to steal money from consumers. Not only that ; XXXX ending up sending me a check because they owed me money for over payments. XXXX XXXX
Consumer complaint received 2017-06-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (AZ)

To Whom It  May  Concern My Name is  XXXX   XXXX   XXXX  my complaint is w ith Wells Fargo Home Mortgage is two parts, credit reporting to  the  XXXX  bureaus, I filed a Chapter  XXXX  in  XXXX  in doing so it was not aware that recommit my loan w ith Wells Fargo Home M ortgage  XXXX  because of this our payment history is not being reported to the credit bureaus, we purchased our home in  XXXX  we have never missed a mortgage payment. however, we filed for a home modification in   XXXX   because it was becoming more and more difficult for my wife and i to make our mortgage payment because of the mounting medicals bills, however we were not behind on payment at the time we filed for the home modification with wel ls Fargo. we were told by the person handling the modification process with Wells Fargo, that for us to qualify for the modification, we had to be behind on our mortgage payment. I told h im at the time that we were not okay with doing this, because our home is very important to us. he then told us that it will not be jeopardize history or be reported a being late. it turns out that it was reported on our credit report. we did not find this out until I filed for a chapter  XXXX  in  XXXX  we have contacte d Wells Fargo about this ma tter to see if we could have this removed from our credit report. and, have them report our payment history to the  XXXX  Credit bureaus. we have not had any success in doing so. Please see if you can help us with this matter sincerely
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Law Offices Howard Lee Schiff, P.C. (CT)

I received a letter from an attorney office attempting to collect a debt, dated XX/XX/18 from Howard Lee Schiff, PC, who is collecting on behalf of XXXX XXXX XXXX, who is collecting on behalf of XXXX XXXXXXXX XXXX. First I never received any correspondence from XXXX. Second the FDCPA ( 15 U.S.C 1692c ( a ) states " Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt- I have not given either company the above written consent to contact me in connection with the collection of any debt alleged. I have no known relationship with the companies XXXX XXXX XXXX, and Howard Lee Schiff, PC and am unaware of how they have obtained my personal identifying information with my knowledge and/or consent. I have sent a letter disputing the validity of this alleged debt which Howard Lee Schiff, PC has received via certified mail.
Consumer complaint received 2018-03-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (PA)

We have sent documents over numerous times that have required updating or new documents. We have saved money the sum of {$10000.00} to help reduce the amount we owe. We are very capable of making the payments on our house but the attorney fees and all the fees that have been added on have skyrocketed what we owe in order to catch up on the loan itself. 

They are telling us that we must pay all of it that totals over {$23000.00} when our loan to catch up is only about {$11000.00}.
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC (GA)

I received a letter that I owed XXXX XXXX XXXX for unpaid debt. Six years ago in XXXX, I settled with XXXX XXXX XXXX for the balance owed in XXXX County Magistrate court. I am no liable for this balance because all debt has been settled. I have not been in communication with XXXX XXXX XXXX at all till this year when I received letter for debt collection. Finally, XXXX XXXX XXXX was presented on my credit years ago and since than has been removed.
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP (DC)

There were XXXX charges from XXXX that i dispusted on my credit card. 
They should of been credits not debits. 
US Bank ignored my correspondence and failed to provide any evidence to support their reversal of XXXX charges for XXXX & XXXX. I do not have a XXXX account
Consumer complaint received 2022-03-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA (MI)

XXXX XXXX XXXX card was sold to Goldman Sachs Marcus product. I have had no access to my credit card information for a week. I got onto their online system XXXX day and was able to make a payment otherwise it has not worked. Their online system keeps saying this : We're having some technical issues We know this isnt the screen you were expecting, but a website error is getting in the way at the moment. Please check back in a few hours our team is working on a solution. 

If you have an urgent matter, you can reach our Contact Center : Monday to Friday, XXXX am - XXXX pm, or Saturday to Sunday, XXXX am - XXXX pm ET. 

Savings & Insights customers : XXXX Personal Loan & MarcusPay customers : XXXX Business Line of Credit customers : XXXX Monday to Friday, XXXX am XXXX pm ET. 

XXXX customers : XXXX XXXX hours a day / 7 days a week. 

XXXX XXXX XXXX customers : XXXX We apologize for the inconvenience. 

When you call the XXXX number it says they are experiencing long wait times of over an hour try back later. This is terrible service! My card works but I can not verify charges or a credit I am expecting back on my card. An organization of this size should have been prepared for this and required to make sure the online system would work or at the least, hire more people to answer the phones. Customer service is starting off terrible.
Consumer complaint received 2021-09-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (NY)

I have this police report where I stated that I lost my bag with my cards & IDs inside. I am a victim of identity theft. The fraud activity was made on XX/XX/2011 with a balance of {$3700.00}
Consumer complaint received 2017-04-11
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Regional Processing Services (GA)

I received a call today from a company stating that their name is " Regional Processing '' ( their phone number is XXXX ) they are threaten to garish my wages for an account from XX/XX/2012. She stated that she would be submitting paperwork to my job to have my checked garnished or I could make a payment over the phone with her. 

I asked was she a debt collector ( she denied ). I asked for the company name that my supposedly account is with ( she could n't give me that information, but gave a random company name - that I have not done business with. I asked for a validation of debt - a contract with my signature ( she stated that she did n't have to give me information and that I should know who my bill is with from XX/XX/2012. 

I informed her that I could not pay a " bill '' that I do not have any knowledge or information about. She threaten again to have my wages garnished if I did n't immediately make a payment. 

The company has called my mother ( yesterday XX/XX/XXXX and today XX/XX/XXXX ) using scare tactics and demanding a payment from her. They are obviously reading off a credit report or some sort because the information that she is stated that they will send people to my home and job ( are old driver license 's number, old/present home addresses, and old employment ) I am being threatened with no resolve. 

If the bill is mine, I have no problem validating it and paying it if it is within reason and the law. 

I need your help please.
Consumer complaint received 2017-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Phoenix Financial Services LLC (FL)

Phoenix Financial Services, LLC sent me a collection letter for {$520.00}. I replied to their letter as they requested advising them that this account is not mine. They reported the collection account to my credit on XX/XX/2017. I wrote to the credit bureau to investigate this account for is not mine. The credit bureau replied that they verified the account. I wrote again to the collection agency asking them for the medical signed documents for this debt. They do not respond.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I am writing to express my growing frustration and disappointment with the repeated unsuccessful attempts to remove fraudulent items from my credit report. Despite my diligent efforts to rectify this situation, these fraudulent entries persist, causing severe financial distress and adversely affecting my ability to secure loans and financial opportunities. 

Below, I outline the specific details of the fraudulent items and the numerous attempts I have made to address them : I have attached copies of the following documents for your reference : I have diligently followed the procedures outlined by the Fair Credit Reporting Act ( FCRA ) in disputing these fraudulent items. I have provided all necessary documentation to support my claims, and I have made multiple attempts to rectify this situation. However, my previous efforts have been in vain, and these fraudulent entries continue to inflict significant financial harm and emotional distress upon me. 

I hereby request that your agency conducts a thorough and exhaustive investigation into these fraudulent items and takes immediate action to remove them from my credit report. Additionally, I urge you to implement measures to prevent the recurrence of such inaccuracies on my report in the future. 

I am prepared to cooperate fully and provide any additional information or documentation required to resolve this matter expeditiously. I expect a written response from your agency within 30 days of receiving this letter, as mandated by the FCRA, confirming the removal of the fraudulent items from my credit report. 

Failure to address this matter adequately within the specified timeframe will compel me to pursue legal remedies available to me under the FCRA and other applicable laws. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$87.00} XXXX XXXXXXXX XXXX Balance : {$100.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$8800.00} XXXX XXXX Balance : {$140.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$8800.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$140.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$480.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$8800.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2020-05-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (IL)

I have benefitted from the savings app, XXXX. Recently they said that PNC is suspending connection to the app. I have money in the app that can not be transferred back until PNC authorizes connection again. I also would like to formally log a complaint against this suspension, particularly since customers were not notified prior to it happening.
Consumer complaint received 2015-10-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Regional Management Corporation (NC)

If I am I am 1 day late the creditor calls my house cell and job I have told them not to call my job because it is a personal call so they call my job ask for me to make sure I 'm there then hang up .I am not even behind by months only a few days .my job hours and the creditors hours are the same I have a day off n the week every other week then I go pay them but if it is 2 weeks after the due date that I get to go pay them they call me everyday with messages on my VM hang up calls at work and calls at home I could see if I had an outstanding balance but it is not only a few days late and the creditor knows that I get a day off in the week the day off vary I have XXXX messages on my cell in 21 days not including my house and job hang ups is the legal