davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (WA)

Rewards checks are mailed out with XXXX statements, and I cancelled my card just after the XXXX statement was paid, so a XXXX statement would still be mailed to me. The credit card company cancelled my rewards for {$180.00} even though they were supposed to be mailed with the XXXX Statement. I spoke with them online, and they said they could reopen the account within 24 hours if I spoke with a manager. I spoke with a manager ( named XXXX ) and she refused to refund the amount or reopen the account. The person I spoke with online ( named XXXX ) said the manager 's decision is beyond her control.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX  XXXX is reporting information incorrectly and I would like to have this account deleted immediately from all three bureaus. on XXXX and XXXX it shows dated opened XX/XX/2018 and on Transunion it shows an open date of XX/XX/2018. The high credit on Transunion and XXXX is XXXX and on XXXX XXXX. The credit limit on Transunion and XXXX is also showing XXXX and XXXX on XXXX. If all of this information is pulled from the same source why is it incorrect. Please delete this account asap.
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXXXXXX is reporting information incorrectly and I would like to have this account deleted immediately from all three bureaus. on XXXX  and Experian it shows dated opened XX/XX/2018 and on XXXX it shows an open date of XX/XX/2018. The high credit on XXXX and Experian is XXXX and on XXXX XXXX. The credit limit on XXXX and Experian is also showing XXXX and XXXX on XXXX. If all of this information is pulled from the same source why is it incorrect. Please delete this account asap.
Consumer complaint received 2020-10-20
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: EQUIFAX, INC. (TX)

Per the direction of the Equifax I contacted the companies that made inquiries. The companies do not have record of the inquiries. I demanded by letters that Equifax remove the inquires according to FCRA. No written correspondence reply. I have called repeatedly.
Consumer complaint received 2024-03-17
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NC)

I am writing to formally bring to your attention a significant breach pertaining to false reporting, specifically, the validation of an account without the requisite provision of account level documentation. This action directly violates the Fair Debt Collection Practices Act ( FDCPA ). 

I dispatched a Validation Notice via certified mail with tracking number XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC. Upon review of the information provided, it became apparent that the alleged debt in question was unverifiable and lacked substantive evidence to substantiate my purported obligation. Subsequently, I initiated further correspondence to afford LVNV Funding LLC an additional opportunity to furnish the requisite documentation necessary to validate the purported debt. However, LVNV Funding LLC failed to provide the requested documents and indicated their intent to transfer my personal information, along with the alleged debt, to additional debt collectors named XXXX XXXX XXXX and XXXX XXXX XXXX. 

I hereby demand the immediate removal of all three trade lines associated with this matter from my consumer report, along with the elimination of any accompanying remarks. Failure to comply with this demand will leave me no recourse but to pursue appropriate remedies to rectify this situation. 
Please consider this communication as a formal notification of my intent to address this matter diligently and assertively within the confines of applicable legal frameworks. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2021-02-04
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I first contacted Bank of America when the charges were filed on my account I made a claim with them I was XXXX at the time of his charges but they did a Investigation in said that I did the front of my own account and they were not going to give me back any of the fraud charges on my own account I then really thought they were giving me back the funds so I called and reopen the claim I heard no response back from them whatsoever I then contacted the XXXX to file a claim with them I heard one time from them and they leaving me a voicemail I tried responding back numerous amount of times no response no emails nothing and also the XXXX it hasn't had any response from them as well XXXX  Case number is XXXX I am at a point where it's been almost three months and nothing is getting solved So I am contacting you guys as well to see if there could be in response to you guys because I'm not getting any help from Bank of America on there and I'm also not receiving any of my unemployment from XXXX for almost 2 months. Because of them say i am XXXX This fraud charge was {$1200.00} so I need to solve this problem please thank you
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

This is the second time a collections agency has contacted me regarding an outstanding account at an address that I do not and have never lived at. On XX/XX/2021 I received an email from XXXXXXXX XXXX ( Merchant : XXXX ) with a creditory of PORTFOLIO RECOVERY ASSOCIATES, LLC for the total of {$400.00}. The address on the account is XXXX XXXX XXXX. XXXX XXXX, Virginia XXXX. I have an ongoing investigation with XXXX XXXX Sheriffs Department ( Deputy XXXX ) of another attempt to collect debt. I have never lived at this address and have no knowledge of any purchases made at this account except for the notification from the collections agency.
Consumer complaint received 2018-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

I have not received proper documentation with my signature on a contract that validates this credit collection that is showing on my account. The account is also showing as an open account and I have requested valid documentation with my signature on it that the account was opened by me. I am requesting this information be immediately deleted from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XX/XX/2015 {$490.00} {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Consumer complaint received 2021-02-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MO)

Wakefield Associates is falsely reporting 2 collections accounts on my XXXX, XXXX, and XXXX  credit reports. I have recently just disputed these accounts and asked for verification of these said debts. Neither of the 2 said accounts have an ACCOUNT NUMBER to the said account. 1st dated XX/XX/2018 ( {$1800.00} ) The 2nd acoount XX/XX/2018 ( {$1900.00} ). No account numbers nor any verification of these debts have been satisfied by me. I have no contract with Wakefield Associates.
Consumer complaint received 2018-02-01
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc. (NV)

XX/XX/XXXX I sold XXXX BTC for XXXX after a XXXX fee to be transfered to XXXX. 

On XX/XX/XXXX I recieved notice that my XXXX account did not match my coinbase account, so the transfer failed. 

Also I recieved a second email saying XXXX blocked the transfer. I contacted XXXX and they said no attempt to send money was made. Coinbase is mistaken I contacted XXXX  and they said they have no record of any attempt. 

A coinbase CS rep then told me the issue was how I added the account via login, not manual account/routing number input, and then backpedaled to day XXXX as a whole is not supported. 

XX/XX/XXXX I talked to another rep who claimed XXXX is supported. I also recieved an email saying my XXXX account is verified and enabled for transfer. 

Finally I recieved a refund of the BTC/USD but it is pending until XX/XX/XXXX to be transfered to my XXXX account. 

This is unreasonable to hold my USD like this. My account has been credited, but they are holding the money longer than any BTC transaction should take. especially at a nearly 10 % fee of XXXX. moreover, the BTC has already been sold so they are technically holding my USD until the XXXX. 

I am pretty much certain this is not allowed. But moreso, I am expecting this transfer to fail on the XXXX so I am proactively filing this complaint.
Consumer complaint received 2022-01-07
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. (OR)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2021-02-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC (MO)

XX/XX/XXXX threatened to sue me. Serve me with a lawsuit if I did pay. Previously would not tell me who I owed money to or what transaction were made to cause me to owe money. They have called multiple times daily since XX/XX/XXXX. Including after XXXX. They have call my job after me asking them not 2. They also have not provided me with information on how to dispute this debt. I have voicemails.
Consumer complaint received 2020-10-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Amsher Collection Services, Inc. (NC)

Amsher Collection agency is attempting to collect on an account that I have no knowledge of. Pursuant to the Fair Credit Reporting Act, Fair Credit Billing Act and the Fair Debt Collections Practices Act my rights were violated because I never received any written notification regarding this account or there collection efforts. I was never given the opportunity to dispute or request validation of this invalidated information which is a violation of my rights as a consumer. The account name and amount is : XXXX XXXX XXXX {$140.00}
Consumer complaint received 2024-03-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc (GA)

I recently checked my credit report and discovered invalid personal information along with fraudulent Collection account named : XXXX XXXX XXXX opened XXXX XXXX in the amount of {$450.00} which is inconsistent with its reporting across all 3 credit bureaus and several inquires appeared on my report. I have contacted the company to remove it and sent them my UNITED STATES POSTAL POLICE report and FTC report. It has been several months and I haven't gotten anything from the company as requested for the Debt Validation showing what application that has my signature applying for credit from them and authorization to access my file. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Consumer complaint received 2020-10-20
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. (OH)

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 account be verified or removed immediately. 

XXXX XXXX ACCT # XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX Thank you for your prompt assistance in this matter.
Consumer complaint received 2021-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

Account Name : PORTFOLIO RECOV ASSOC ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX Date Opened : XX/XX/2018 Balance : 507 Reason : Identity theft Please remove it from my credit report.
Consumer complaint received 2019-03-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Timely filed a billing dispute with the credit card company under case number XXXX for {$73.00} billed on XX/XX/19. Specifically, I already provided the company with specifics to complete the dispute processing. They were informed that someone logged into my online account and utilized my login credentials to impersonate me. The merchant already has blocked and closed the account. Credit card company produces a letter backdated on XX/XX/19, and received by me on XX/XX/19, advising me to call and discuss. Nothing needs to be discussed, the dispute is valid!
Consumer complaint received 2015-11-30
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION (VA)

A mediator from the office of XXXX XXXX, Pretrial Mediation called and stated I owed a debt of XXXX from a few years ago to a pay day lender ( whom I have never been the recipient of funds ). The caller stated I closed the bank account and that was fraud. Not true. She refused to give me any contact information or send any documents as proof of this charge. Threatened me with a federal offense ...
Consumer complaint received 2021-09-08
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. (FL)

I have submitted several disputes containing errors and inaccurate reporting information on my credit file that has been hurting my credit due to the incorrect inconsistencies experian is reporting on my credit file. 
Every time I submit a dispute they verify the information with their vendor and DO NOT EVER send me the method of verification as requested and they dont update the file as requested they just state that the information is verified or the information remains unchanged and they are supposed to verify information per the 15 USC 16a they are required to complete accurate investigations through several methods that dont include using their vendors.

There are several incorrect items with this account reporting and they have failed to verify this account information accurately. I have given them time after time to get this account correct and they have failed.

They dont even report the correct account number! After they stated it was updated. I have submitted photos of the disputes and the account as it reports with the errors still reporting on this account after four disputes!
Consumer complaint received 2018-03-24
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: PNC Bank N.A. (IL)

I have a personal loan with pnc bank. Unbeknownst to me I was charged {$15.00} more than my payment amount. This {$15.00} has caused me to be reported late 4 months on my credit report. Ive since paid the money and receive refunds for late feesbut the {$15.00} and late reporting caused significant damage to my credit. I want the late notation removed from credit report.
Consumer complaint received 2020-10-20
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 — Investigation took more than 30 days
Company: National Credit Adjusters, LLC (TX)

XXXX XXXX XXXX XXXX  {$4600.00} Original creditor : XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$4600.00} Highest Balance {$4600.00} Opened XX/XX/2020 ( 8 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes after resolution Original Creditor Name XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (WA)

I signed up for Chase XXXX XXXX XXXX XXXX Card through an offer that came in the mail that promised XXXX bonus miles ( see attached pamphlet ). 
Even though I used the exact website indicated, signed up before the deadline and met the minimum spending required, I never received the promised XXXX bonus miles. I received XXXX, which is their more standard offer. 
I contacted Chase even before the 3-month spending period to make sure XXXX would be awarded, since I didn't see any indication of this in the site at the time of signing up. I was told to wait the three months. 
I contacted Chase again 4 months after opening the account ( and meeting all the minimum spending requirements ) and was told I wasn't eligible, without an explanation ( see letter attached ). 
I followed up recently and was told that because my account has been open for more than 3 months, the offer can not be awarded!
Consumer complaint received 2019-03-04
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: EQUIFAX, INC. (GA)

On XX/XX/2019 I filed a dispute with XXXX XXXX XXXX about the validity of an inaccurate item being reported on my credit reports. I mailed my dispute to the address listed on the credit report and the letter was returned to me by the post office due to an invalid address. I sent a follow up letter to the credit bureau ( equifax ) on XX/XX/2019 requesting that the item be removed from my credit report given that the furnisher ( XXXX XXXX ) has provided false information to them about me and they have provided the credit bureaus with a false address. On XX/XX/2019 I sent another follow up letter to the credit bureau ( equifax ) and I demanded they remove this item immediately from my credit reports. The credit bureau sends me a copy of my credit reported dated XX/XX/2019 only to still show the incorrect address listed for the creditor after they have stated on my report they have verified the address being reported is correct.
Consumer complaint received 2018-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (IL)

In XX/XX/XXXX, I checked my credit report and noticed an account in collection which was not mine in the amount of {$1000.00}. The company " XXXX XXXX '' which turned out to be a collection agency representing XXXX. I filled out a police report for Identity Theft, I filled out an identity theft report with the FCC, and I filled out a Identity Theft Affidavit. I sent these items to XXXX, XXXX, and XXXX. XXXX XXXX and XXXX removed to delinquent information from the credit report. Then In XX/XX/XXXX, XXXX hired IC system another collection agency to collect another dept of {$1500.00} which turned out to be the same fraudulent Identity theft account which was disputed back in XX/XX/XXXX. The increased amount are fees attached onto the first dispute of {$1000.00}. I have filled out another Identity Theft Packet and sent all supporting documentations to prove that the account does not belong to me. XXXX is still not cooperating with clearing the information from my credit report. The damage is that I can not refinance my mortgage to a 15 year loan until the information is removed. I feel the XXXX is being malicious because they new back in XX/XX/XXXX that this was Identify theft but they continue to file bogus debts on my Credit report. I need to get this resolved. I am the victim being victimized.
Consumer complaint received 2018-03-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

I have a capital one credit card for last 7 years and I got the letter that they have closed my account. I called them to reinstate the account but they are not ready. They did not send me a letter to explain that they will close my account because of inactivity. After checking with them, they said for this kind of account we do not send letter and can close account at companys discretion. This is my old account and closing it will impact my credit history badly. They are not ready to understand my situation.
Consumer complaint received 2019-03-04
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. (TX)

I recently disputed some errors on my credit report with XXXX and XXXX. I did so via postal-mail in a letter that I mailed to them on XX/XX/XXXX. I was supposed to get a reply within 30 days. To date, I have received no responses.
Consumer complaint received 2017-01-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (SC)

Hello, I have an active complaint, XXXX XXXX. The mortgage company sold my property after erroneously stating that it was in litigation. This is in violation of the law. I need assistance to go after PHH Mortgage Company for conducting mortgage fraud.