davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-05-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (MI)

This is the third bill/credit collection I have received related to XXXX XXXX. On XX/XX/21 I received a letter from Synergetic Communication Inc attempting to collect a debt for XXXX XXXX in the amount of {$480.00} ( see attachments ). This account is not mine and is related to someone who either stole my information or a hospital mis-keyed his information. You have identified and resolved this twice before. I have sent an email to XXXX and I will be faxing them today as well.
Consumer complaint received 2020-10-26
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Linebarger Goggan Blair & Sampson LLP (WA)

Linebarger Goggan Blair & Sampson, LLP sent me a letter threatening to report any unpaid debts to WA Dept of Licensing who will suspended my license and/or deny future vehicle registration if I don't pay. They're attempting to collect " Delinquent Court Fines '' and since I've never been to court I dug in deeper. Turns out they're attempting to collect parking tickets on behalf of XXXX XXXX XXXX however, I don't have any unpaid parking tickets. There are no dates listed on the letter, no license plate info, nothing. No one has ever contacted me regarding parking tickets, not City of XXXX ( who you'd think would be the first to engage ), or any other collection agency. All of that being said I'm assuming this is Fraudulent activity and asking for your help resolving. Thank you
Consumer complaint received 2020-07-17
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-17
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: EQUIFAX, INC. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-07-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IL)

PayPal -negative {$3000.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$3000.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX
Consumer complaint received 2020-07-17
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: Tower Loan of Mississippi, Inc. (MS)

A hard inquiry obtained by tower finance company in XXXX mississippi i did not authorize on XXXX  and XXXX  reports dated XXXX XX/XX/2020 XX/XX/2020
Consumer complaint received 2020-04-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Credit Management, Inc (AR)

ONCE AGAIN COLLECTOR RE-APPEARED ON MY CREDIT REPORT IN VIOLATION OF THE DODD FRANK ACT. AND WILL BE SUING THEM IN CLASS ACTION LITIGATION. VALIDATION IS REQUIRED ALWAYS ESPECIALLY ON RECYCLED.
Consumer complaint received 2023-01-19
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. (MI)

I went to check on my credit report and I noticed it said down XXXX points and I went to see why it went down so much and it showed me an account thats been opened and put into collections an account Ive never seen before as well as an address Ive never lived before.
Consumer complaint received 2022-02-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AMERICAN EXPRESS COMPANY (SC)

I disputed the account and ask that they validate this account, and they fail to respond to the action. The law states they have 30 days to do so if not or over the 30 days this account must be removed from the credit file and in this case, they fail to respond to the matter. It has been over 30 days with no response, and I did not open or authorize this account, and I therefore request that it be closed immediately. By the federal law requirement this account must be removed because you do not have proof or any evidence to support this matter and failure to respond.
Consumer complaint received 2020-07-17
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: TOYOTA MOTOR CREDIT CORPORATION (MA)

I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: U.S. BANCORP (AR)

I have made several attempts to contact someone in card services. I have been blocked from making many of the charges that are very serious and important to me. This charge was made by me in an attempt to see if my card was still blocked. As of XXXX XX/XX/2020 I was only permitted to make only 4 ATM withdrawals from my account. No one has been available to speak with me about this issue. The last time I spoke with someone was on XX/XX/2020. Who gave me no explanation as to why the hold was put on my account. 
I think it very seriously inconvenient for you to, without even an explanation, place a hold on my account. I never exceeded the limit on withdrawals, POS purchases, or teller withdrawals. 
I will be forwarding this email to every media and government, state office I can until I have received an explanation for the apparent lack of concern for me and my family 's well-being. 
I was just relieved of the stress this pandemic has placed on myself and the whole U.S, I expected much better treatment from the government than this. 

Sincerely, XXXX XXXX United States Citizen This is correspondence that I had with XXXX a Supervisor at card service representative of US Bank ReliaCard, on XX/XX/2020. After months without having the needed income to support my family. I finally received relief only to be again treated with disrespect. I was demeened and spoke to very harshly for no reason. When I advised the Supervisor that their procedures were unwarranted. He advised me that, ReliaCard had the right at their discretion to place blocks and hold on card accounts if and when they felt it was being abused by the cardholder. And they didn't have to give reason or explanation. 
I thought this to be very poor business practices and even worse customer service or support. At this time of poor economy in the world, why would someone have to be treated this way. I feel distraught over this situation and have very little hope in the future of the businesses.
Consumer complaint received 2020-07-17
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (LA)

I recently made an account for my US Bank reliacard and going through it I realized I had some unusual charges I never recognize a lot of them One was in Georgia XXXX  payment XXXX ga. {$190.00} XX/XX/2020 Next XXXX in XXXX Arkansas XXXX {$160.00} on XX/XX/2020 Theres a ton from this XXXX I have been trying all day and night and they keep you on hold and hang up
Consumer complaint received 2016-12-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (CT)

I 'm currently back in school as a XXXX and working a part time. Navient will not postpone my payments and I 've been checking my loans and I feel that they are overcharging by a lot. The amount that owed them is now almost twice and triple the amount my loan was. How did these loans balance increased like that? How is it that the balance owed is now triple the amount of the original loan? 
Below are couples of examples of my loans are looking like right : XXXX Signature Student Borrowed : {$5200.00} Amount owed : {$12000.00} XXXX Tuition Answer Borrowed : {$5200.00} Amount owed : {$12000.00} XXXX Tuition Answer Borrowed : {$10000.00} Amount owed : {$26000.00} XXXX Tuition Answer Borrowed : {$15000.00} Amount owed : {$37000.00}
Consumer complaint received 2020-12-04
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

XXXX issued a check for XXXX. My husband was in an accident XXXX. The check was made out to XXXX XXXX law firm, XXXX and XXXX XXXX. I waa never made aware of the issuance if the check mid XX/XX/XXXX. The lawyer sign and added XXXX Signature. Issued XXXX a check XXXX we were living together but separated with out my knowlegde or signature. The check was issued by XXXX and cashed at Bank America. I have been giving the run around from XXXX and Bank of America. The lawyer removed himself from the accident case he was handling for me stating to XXXX I am trying to get him disbarred. He never contacted me. XXXX sent me a copy of the cashed check. This was theft.
Consumer complaint received 2020-07-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2019-05-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (NY)

Since the beginning of XX/XX/2019. I have always paid my credit card bill on time..I usually pay more than I am required.I pay between $ XXXX {$100.00} each month.I have noticed that my balance hasn't lowered with each payment.I have never ever been late with a payment.MY ACCT # XXXX
Consumer complaint received 2021-05-01
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: DISCOVER BANK (NC)

I rented a car because my car broke down. 
I started renting from XXXX in XXXX, Texas on XX/XX/2021 and ended on XXXX XXXX. I was paying every week {$300.00} dollars from Wednesday to Wednesday. using my Discover Card. I made multiple payments to Discover during this same time. The problem is that XXXX charged my card {$1500.00} at the end of my car rental. They never disclosed this practice to me. I was told that they were charging my card weekly {$30000.00} dollars. So I feel let down and duped by XXXX XXXX XXXX and Discover who just took my available credit of {$1200.00} and accepted this last charge of {$1500.00} and left me with a huge balance and no available credit in case of emergencies. 

Please help me! 

Sincerely, XXXX XXXX
Consumer complaint received 2020-07-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (GA)

On XX/XX/2020 a notice of payment was sent 2 my address from Jefferson Capital. The notice stated that there was an account that was in collections. The amount was {$1600.00}. This account is the result of identity fraud.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint about XXXX XXXXXXXX XXXX. I paid this card off in full it has a {$4800.00} credit line. I have repeately asked that this card report to all 3 credit reporting companies as it is in excellent standing and paid in full within 2 years. I was told numerouos times they ( XXXX XXXX XXXX reports every 30 days. It's been over the 30 days and it is still not reporting I just checked all 3 of my credit reports. I've called numerous times and just keep being told it's reporting. But it is not.
Consumer complaint received 2023-01-18
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: BARCLAYS BANK DELAWARE (PA)

I am writing this statement in hopes of being able to resolve this matter. On XX/XX/22 my pocketbook was stolen. My wallet with all my credit cards were in my pocketbook. I have contacted Barclays Frontier airlines many times to dispute the fraudulent charges that were made on that credit card. I have spoken to different agents from the fraud department and have not been able to resolve this matter. My credit score has been compromised because I refuse to pay these charges. I pay all my credit cards in full and on time. Barclays are being unreasonable so I hope you can help.
Consumer complaint received 2021-12-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I have a credit card with XXXX since XXXX on XX/XX/XXXX I noticed my card had disappeared from reports of the three credit reporting bureaus ( Transunion XXXX, XXXX XXXX. I communicated with XXXX credit card department many times via phone, mails, and fax and they promised to solve the problem. Their last response was a letter on XX/XX/XXXX - see attached- saying that they have sent instructions to the XXXX credit reporting bureaus to update my files however nothing happened and no redress has been done. 
I also disputed this missing information of my credit card with Transunion, XXXX, and XXXX and also nothing happened - see attached a letter. Missing this credit card info from my profile is deeply plunging my XXXX XXXX and XXXX my ability to apply for any loans since it is the oldest card i have.
Consumer complaint received 2020-04-23
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: WELLS FARGO & COMPANY (AZ)

In early XXXX, my daughter called me and told me that my ex-husband had left and was not picking up his phone. I went and picked her up and we tried to find him. At that point, we received a XXXX  ' note from him. In the note, he claimed that he had taken a loan out in my son 's name. We immediately filed both a missing person 's report with XXXX XXXX PD and a police report for identity theft against my ex-husband with XXXX XXXX, AZ PD. My son and I promptly checked our credit reports. My son found a loan for XXXX dollars from XXXX XXXX, and I found several credit cards under my name that were maxed out that I never knew about, and he neglected to mention when we divorced. I cancelled as many of the cards as I could ( because I was only an Authorized User ), but two of the companies ( XXXX and Wells Fargo ) have refused to even contact the police officer assigned to the case. XXXX XXXX, on the other hand, has cleared the loan from my son 's name, and they stayed in communication with the officer on the case. We have tried repeatedly to contact Wells Fargo by phone and by mail in particular, but they keep sending card statements and asking for payments when the police officer has told us repeatedly that Wells Fargo has never even approached him.

We have the credit card information, police report number, police report, and the Officer 's Contact Info and we can provide all of this information upon request. We've provided all of this to the companies that are mentioned. 

I haven't attached these documents for privacy concerns.
Consumer complaint received 2024-03-19
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION (AL)

On XX/XX/XXXX, I purchased a vehicle from XXXX XXXX XXXX located in XXXX, Al. The car is a XXXX XXXX XXXX and has XXXX miles on it. On the Buyers Order the car is {$38000.00} which includes all of the taxes and registration fees and such. However, we financed our car through the dealerships lender which is Credit Acceptance and our monthly car payment is {$810.00} and at the time the dealership stated that my credit was the best theyve had. I have since then fallen on hard times and am unable to make my payments due to going from a XXXX income household to only XXXX. My fianc lost his job and we tried to keep up with the payments the best that we could but due to the high payments and high APR, it became impossible to do so. I feel as if I have been a victim of Credit Acceptance hiding my auto loan cost and I also feel as if I have been setup to fail with the extremely high rates. After financing through Credit Acceptance, my auto loan price went up to {$58000.00} being financed with the APR stated to be XXXX  %. We are behind tremendously and continue to receive calls every single day, multiple times a day after repeatedly telling the company that we are unable to make any payments at the time. We would like to have our claim investigated to ensure that we are not a victim of the unfair, deceptive, and abusive acts already filed against Credit Acceptance. The true cost of credit offered is far higher than what we were initially told which deprived us of the ability to make informed decisions, to compare financing options, or to avoid high interest charges. We would really appreciate your help in investigating this matter.
Consumer complaint received 2020-07-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I am submitting this complaint about XXXX XXXX/care credit. I paid this card off in full it has a {$4800.00} credit line. I have repeately asked that this card report to all 3 credit reporting companies as it is in excellent standing and paid in full within 2 years. I was told numerouos times they ( XXXX XXXX ) reports every 30 days. It's been over the 30 days and it is still not reporting I just checked all 3 of my credit reports. I've called numerous times and just keep being told it's reporting. But it is not.
Consumer complaint received 2020-07-17
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

I have contacted Portfolio Recovery in-regards to a XXXX XXXX Bank debt that is correctly in collections. I have offered Portfolio Recovery a settlement of {$250.00} as that is all l can afford in which they declined the settlement. I then asked for proof of a signed agreement between myself and XXXX XXXX to which I am being told they can not provide.