davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: Continental Finance Company, LLC (IL)

I have a credit card with continental finance which was opened XX/XX/XXXX. The account has maintained a good payment history since. At the time it was opened it was reported to all XXXX credit bureaus. however, there were duplicate accounts on all three. I had only XXXX credit card, but XXXX accounts were showing. I accurately, disputed the XXXX duplicates and left the XXXX accurate account out the dispute in XXXX subsequently, all my accounts were removed. I recently have written the customer service dept and faxed a formal dispute dated XX/XX/XXXX after my initial faxed letter, dated XXXX XXXX, was evidently faxed to a wrong number provided to me by customer service. the latter letter ( XX/XX/XXXX ) have been verified by a supervisor I been corresponding with via many emails over the past XXXX months by the name of XXXX XXXX XXXX, supervisor as being received. he also has been adamantly conveying, again in writing ( emails ) that this my account would be reinserted. I have patiently waited since XX/XX/XXXX to no avail. this three year old good standing account is still not reporting after I disputed it in XX/XX/XXXX. AT THIS POINT, CONTINENTAL FINANCE HAS VIOLATED MY RIGHTS UNDER THE FCRA BY NOT RESPONDING TO MY DISPUTE IN 30 DAYS. To date, as recent as a few days ago, XXXX XXXX jones is still assuring its being handled. He emailed me exactly what to put in the letter, stating to add " I am asking that continental finance reinstates this tradeline to my credit report '', which I have complied and have documentation. however, I am not receiving credit on my bureaus for this three year old account which is positive. I feel like im getting nowhere. I spend ample amount of time calling and corresponding with XXXX XXXX. Each time, he assures me its gon na be reinserted, but have not.
Consumer complaint received 2022-09-05
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

XX/XX/2020 XXXX sent over {$17000.00} to Bank Of America for XXXX benefits. My account is in good standing as of today. I just certified my last week and Bank of America will not release my funds nor card. I see you fined them {$220.00} XXXX dollars for unlawfully freezing customers accounts. They refused to release my funds. Can you please help me.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Other — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

PAYMENT ALLOCATION VIOLATION : I spoke with XXXX USAA representatives yesterday and sent them a message about my credit card payments not being applied in accordance with USAA 's credit card agreement nor by the Credit Card Act of 2009 which requires payments above the minimum payment to be applied to the balance with the highest interest rate/APR until the payment/balance is exhausted. I got XXXX separate answers from the representatives, XXXX in violation.
Consumer complaint received 2017-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Diversified Consultants, Inc. (FL)

XXXX keep continuing to send a collection debt to collection agencies who in turn keep reporting on my credit report that I owe XXXX {$250.00}, for an account that was opened " apparently in my name '' ( NONE of the collection agencies EVER provided PROOF that I EVER signed any contract or agreement with XXXX ) in the period between XX/XX/XXXX and XX/XX/XXXX which I was overseas for that period completely. I fought the collection with the credit agencies many times and it has been removed every time I fight it. But XXXX keep hiring collection agencies to collect the debt.
Consumer complaint received 2022-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: EQUIFAX, INC. (TX)

I Sent my letter off on. I asked the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out. According to the FRCA The team " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friend, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

Accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-23
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: AES/PHEAA (IL)

I don't really know what section my issue goes under. I attended XXXX XXXX university online in XXXX into some of XXXX. During that time my father got sick and I told the school I needed to leave school to take care of him and the school said ok not a problem. Upon leaving school my student loans became immediately due which I paid my credit report show I paid. After I left school they still had me enrolled and kept automatically reapplying for financial aid without me knowing and I am now forced to pay these loans when I wasn't even attending the school anymore. Also I noticed on my credit report that my student loans show up more than once since they have since been sold at least at couple times. I paid off my student loans for the portion of school I actually attended and the rest is fraudulent as I was not attending school and did not reapply for financial assistance. The school received the funds and kept them without my permission or knowledge and because of my credit is shot I have lost job opportunities and cant even open a bank account or credit card.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (AL)

Synchrony Bank changed minimum payments to ensure the promotional balance was never payed in due time. Then they back charged 29.99 % interest. Also, when you enroll in Ebill/Autopay you do not automatically receive notifications, these are hidden in other tabs. This cost me {$3000.00}. If you enroll for minimum payments you will be hit with interest. They claim it is their computer that sets the rates etc. They are using predatory practices and deceptive payments to collect unreasonable interest rates. Do not EVER do business with this company.
Consumer complaint received 2016-04-12
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (CA)

I had a debt with Synchrony Bank {$570.00} and the bank ordered XXXX XXXX XXXX XXXX to collect the debt. Synchrony Bank accepted a settlement I offered {$300.00} and I paid it in the time manner. One month after the Synchrony Bank ordered another debt collector XXXX XXXX XXXX to collect the rest {$270.00}. 
I explained to to the last collector that I already paid my debt through the settlement and I sent them all documents. XXXX/XXXX/2016 they made a report on my credit. 

Synchrony Bank already accepted the settlement.
Consumer complaint received 2015-10-09
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BARCLAYS BANK DELAWARE (MI)

I have been a cardholder of the Barclaycard for about two or three years I believe. I never missed a single payment with this card, and I never missed a payment with any of my credit cards since 2008. The bank abruptly and capriciously cut my credit limit, which changed my utilization ratio. There was no conversation, no alert, no details -- they just cut the limit. I tried to deal with the bank, expressing my extreme dissatisfaction. However, all I got were excuses and stories in my opinion. Eventually I did reach someone who was able to " appeal '' the downgrade. After extensively explaining my financial details they put me on hold and returned like a minute later to say they wo n't do anything. I also tried the " Office of the President, '' but that seemed to be a total waste of time also. I had a great experience with the Barclaycard and never missed a payment, I often made considerable payments on the card and would consider myself a great customer. The fact that the bank abruptly changed my credit limit is very concerning, and a law should be considered to keep them from acting this way because it can damage the credit score of a cardholder through no fault of their own. I would appreciate any assistance that the Bureau of Consumer Financial Protection can offer.
Consumer complaint received 2015-06-23
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: American Capital Enterprises, Inc. (CA)

I was in a car accident was XXXX and consequently had to have XXXX on XX/XX/XXXX the XXXX was performed by XXXX XXXX XXXX ( XXXX XXXX XXXX ). My case was settled in XX/XX/XXXX. At that time all medical bills and doctors ' bills were paid by XXXX and the Law Offices of XXXX XXXX XXXX I was sent a courtesy copy of what was paid and to who it was paid from both my attorney and XXXX XXXX and XXXX XXXX. 
Years later I get a bill from the XXXX XXXX XXXX stating that they sent my nonpayment to collections American Capital Enterprise, INC. I assured the receptionist that these expenses were paid. She informed me that I needed to pay the balance {$6000.00} At any rate they have not stop harassing me for payment that was already made to XXXX XXXX XXXX XX/XX/XXXX. They insist on payment that was already made and is now in collections. 
Sincerely, XXXX XXXX
Consumer complaint received 2016-10-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (GA)

I disputed a inaccurate CHASE account with XXXX multiple times. The data reported bankruptcy status XX/XX/2011, debt amount, pay history to name a few are completely inaccurate and un true. 

I would like Chase to send verification and validation of the debt they are reporting to XXXX
Consumer complaint received 2015-06-11
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SIMM Associates, Inc. (MD)

I have defaulted on a student loan from national collegiate trust which was being paid via XXXX XXXX XXXX XXXX XXXX XXXX refuses to provide me with the contact information for XXXX XXXX XXXX and sent the defaulted loan to SIMM ASSOCIATES. SIMM ASSOCIATES continues to harass me about the defaulted loan demanding I pay the full $ 41K immediately and I have no means. I have requested, via certified mail that the debt be validated and I receive information on the original creditor of the school loan and SIMM ASSOCIATES has failed to do so but continues to call. All I am doing is trying to validate the debt as what SIMM ASSOCIATES is trying to collect on is not what I have in my own personal records. I would also like to settle and work with my original creditor on this issue. SIMM ASSOCIATES continues to use harassing practices while calling me at work, fails to send proper documentation, or says they have sent the proper documentation and I have yet to receive any information.
Consumer complaint received 2022-09-05
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. (WI)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # ( XXXX ). XXXX XXXX Account # ( XXXX ), XXXX XXXX Account # ( XXXX ) ( XXXX ), XXXX XXXX XXXX  Account XXXX XXXX XXXX ), XXXX XXXX XXXX Account # XXXX XXXX ), XXXX Account # ( XXXX ), XXXX Account # ( XXXX ), Pervious Address ( XXXX XXXX XXXX XXXX XXXX WI, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ) XXXX XXXX  XXXX Account # ( XXXX ), has violated my rights. 

15 U.S.C. 1681 Section 602 A. States I Have the rights 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 2022-09-05
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc. (CA)

The options do not exactly fit my particular problem. I am trying to fit the best I can. 

XX/XX/2021 Credit Corp began to caustically engage me via the phone. I informed the caller that their attitude could be violating my rights and informed them I wanted the call recording preserved, further I followed up with written demand for preservation. Credit Corp filed suit and I have again demanded preservation of the evidence for the violation of the FDCPA - Credit Corp is claiming they are unable to produce the information. 

I have contacted the XXXX, FTC, CFPB regarding Credit Corp. A court action is pending as Credit Corp has filed a lawsuit, however they have claimed they have no foundational documents available for the suit - which is a violation of FDCPA. Further, I have made several demands afforded me to preserve recording/documents that prove violations of the FDCPA, the Credit Corp is now claiming that the evidence can not be located. Deceptive and bad faith actions clearly violate the FDCPA.
Consumer complaint received 2016-03-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EMCC Holdings, LLC (NV)

I requested validation and a copy of the signed contract for a debt listed on my credit file. The company responded with we are unable to grant your request and provided a payment history but not the initial signed contract and stated they are reporting the information accurately. This is not accurate and I think if a company is listing a debt against you they should be able to provide validation. Please help
Consumer complaint received 2022-02-10
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: EQUIFAX, INC. (MI)

I SENT A DISPUTE TO XXXX, EQUIFAX, AND XXXX TO DISCLOSE THEIR METHOD OF VERIFICATION. IT CAME BACK VERIFIED BY XXXX XXXX. I CONTACTED XXXX XXXX DIRECTLY AND THEY SAID THE INFORMATION WAS verified BY THE COURTHOUSE. I CONTACTED THE COURT DIRECTLY AND THEY SAID THEY DO NOT REPORT ANY INFORMATION TO THE CREDIT BUREAUS. WITH THAT BEING SAID THIS INFORMATION IS unverifiable AND NEEDS TO BE DELETED IMMEDIATELY.
Consumer complaint received 2023-03-22
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. (FL)

I just check my credit through Equifax 's website and I noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, Equifax and XXXX, I took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company 's. I always get emails from XXXX stating that my information was on the dark web. I was also affected by the Equifax breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2019-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TD BANK US HOLDING COMPANY (NJ)

When I went to open a checkings account I was denied at TD Bank. I then discovered about an account where at the time the account was reported open I was a minor and I should not be responsible for the balance. These such items have been included with my report due to overdrafts. Thank you
Consumer complaint received 2022-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

Since XX/XX/XXXX I have been disputing an item on my credit report, reported by a debt collection agency known as Transworld Systems. I have repeatedly advised that the account they are reporting does not belong to be. They sent me a copy of the bill from the original creditor, XXXX XXXX. This bill listed my name, a service address, service dates in XX/XX/XXXX, and cost of service during the service dates in XXXX. I have provided documentation, including a copy of a deed that proves the service address was not owned by me ( nor is it anyone I know ), and a copy of a lease that proves I did not reside at the service address and my address was completely different. Despite this evidence, the account continues to be reported on my credit reports. I have requested debt validation and have asked for any and all evidence/documentation used to determine account accuracy on their end. I have also advised them of my rights under the fair credit reporting act, as well as their legal obligations. They continue to tell me that they will not remove the account because they were only a 3rd party hired to collect and that they do not have any obligation to prove account accuracy. When I requested to speak with another supervisor today, they " transferred me '' but only lead to a disconnected call.
Consumer complaint received 2017-03-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

Ditech charged me the wrong amount from XX/XX/XXXX through XX/XX/XXXX. In XX/XX/XXXX they finally reallocated my payments and credited an overdue HAMP incentive. Almost 15 months overdue to be exact. I disputed the error forever including on this board many many times. They reported me late to the credit bureau 3 times even though they charged me the wrong amount. All my mortgage statements had incorrect amounts due. They waived the late fees but failed to update my credit reports even though I have told them repeatedly of the error and even submitted a copy of the letter from them acknowledging this. My credit score has dropped considerably from this. They are intentionally harming me I believe in retaliation.
Consumer complaint received 2016-12-13
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NJ)

I was making month to month payments with care credit, my last payment was about to be made for close to {$400.00} then i realized that all the deferred interested had carried over, now making my balance close to {$1000.00}. Had I know this information, I would have not signed up for them. I assumed that if the balance was n't paid in full that I would owe the interest on just the balance and not the entire amount. This is very defective and complete theft! XX/XX/2016 INTEREST CHARGE ON PURCHASES Date Posted:XX/XX/2016 {$690.00}
Consumer complaint received 2024-03-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

XXXX, XXXX, & Equifax continue to report incorrect information on my consumer report. The incorrect names are causing issues with my identity and there are several addresses listed that are not mine because none of the information is correct I am being denied credit due to it not matching. The credit bureaus assumed a role and under federal law they are required to report 100 % accuracy.
Consumer complaint received 2015-06-09
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

They claim they are from a clerks office with legal documents, for me, and want to take me to court. i asked to speak to speak with a supervisor. I was transfered to XXXX today. he told me my number was removed in XXXX. i told him I just received a call and he asked if this was me, and i replied yes. He then replied well that 's why we are calling. I inquired as to what this was in regards to, and he said an HSBC account. 

I advised him that even if i owed money on the account that the statue of limitation had expired, since i have not had this account since 2004. He advised me that it does not matter i still owe the money and they will continue to call. i asked for the company name and address so that i can send a cease communication letter. He refused to provide it and told me that i am a deadbeat, and the reason the economy is so bad. I also asked for a bill or verification letter, and was advised they have already sent them, and it is to late to receive anymore. 

They have also started calling and harrassing my wife today. 

Listed in order from the last call to the first is the numbers they have provided to call back. When they call it says no caller id information is available. XXXX, XXXX, XXXX.
Consumer complaint received 2024-05-03
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (FL)

I spoke with a representative at TSI ( 2x 's ) who assured me that if I paid my settlement amount, my credit report would reflect as Satisfied in Full on my credit report ( for a settlement payment confirmed of {$5900.00} ). 

Hence, I took the settlement offer, understanding that my credit would read " Satisfied in Full. '' I checked my credit today and noticed they placed under status and comments " Account legally paid in full for less than the full balance. '' This is not what was discussed, and if I had known I had the option to pay in fullto reflect a more positive outcomeI would have taken that option. 

However, the representative falsely informed me of how this payment would reflect on my credit report and accepted my payment, knowing that I had a 2nd option to pay in full that would reflect differently in my report. 

She lied about the Satisfied in Full and misled me into paying, not explaining what additional comments would be placed on my account. " Less than the full balance '' is a comment I want removed from my credit report.