davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-08
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. (IL)

I sent a letter to  Trans Union letti ng them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and  Trans Union ref uses to delete the fraudulent accounts from my credit report stating in a letter its verified.  Trans Union provided no physical evidence to why they wont remove it, according to the   FDCPA and FCRA they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit. The accounts that came from identity theft are listed below also here is my Credit report number :   XXXX   These accounts need to be Deleted asap!    XXXX  -  XXXX ,    XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   -  XXXX ,   XXXX   XXXX   -  XXXX   XXXX / XXXX - XXXX
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: SYNCHRONY FINANCIAL (OH)

On XX/XX/2017 I contacted XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( # XXXX ) after finding out that my name was listed under a collection action with a credit card balance of {$XXXX}. The original creditor was XXXX XXXX. First, no one from the recovery company contacted me personally, verbally or in writing to discuss this or even request payment. No court action was filed and in fact no proof has been provided to the credit networks to justify this collection action submitted to the credit networks naming me, XXXX XXXX XXXX. I was a co-signer on this account but was never told the account was in arrears or that a collection action was about to take place. If they can name me for being responsible, and so list my name under a collection action on my credit report, why could they not notify me in writing to have a chance to resolve this before they took it to collections?
Consumer complaint received 2017-06-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION (GA)

Good afternoon, I need your assistance please, I 've tried in good faith to dispute and request a refund for the faulty workmanship, substandard shoes and not the shoe size I ordered and I 'm unable to wear. I purchased two pair of shoes from XXXX in XXXX 2016, the shoes appear to have been made in a substandard factory still reeking of a horrible smell and the appearance of grease ( pictures attached ). It took approximately one month later for me to receive my order, I began initiating correspondence to them approximately two weeks after processing my order. After receiving the shoes, I attempted to resolve the dispute prior to engaging my bank. XXXX offered to refund only {$15.00} and later {$30.00}, which both were unacceptable for a {$150.00} purchase. I later contacted XXXX and I could not reach a resolution. XXXX determined that I was eligible for a refund ; however, I would need to return the shoes to do so. The cost to return these shoes to XXXX was {$170.00} more that the amount I had paid for the initial purchase - which was not an economically wise and equitable decision. I contact and submitted all required documents requested for the credit union representative. I later learned from another Navy Federal representative that the time to process a refund had expired.
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After failed attempts to resolve the matter with XXXX, XXXX  and Navy Federal I found your information to file a claim. It 's so upsetting for a company - XXXX to attempt to defraud me. After submitting my payment and not receiving my shoes timely, I began researching the company and noticed a number of unsatisfactory customer complaints. It is my personal opinion that this customer is defrauding others as well. There are no derogatory complaints on their website but noted on many other sites.
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I am hard working mother of XXXX and do not have money to give to anyone. Please assist me with obtaining my money for this fraudulent issue.
<P/> XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDICO. INC (SD)

My complaint doesn't fit the predefined categories. I have medical debt that I owe and there was a judgement sent out they garnished my wages. An amount I couldn't afford. An attorney stated I can go bankrupt or offer a wage assignment. I opted for the wage assignment, {$150.00} out of every check. Last year I paid over {$3300.00} and this year {$750.00}. The debt started at {$6000.00} and they still say I owe {$6000.00}. I asked them to send and itemization of everything they have taken and what they applied it to. The rep said they do not have to and will not do that. I asked for the supervisor and received the same response and that more debts have come in. I said that's fine if you can justify it but I still want copies and they refused to send me anything.
Consumer complaint received 2017-06-08
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Roycroft Management (CA)

The call is coming from " CMS '' ( XXXX ). The rep who is " handling '' my case is " XXXX XXXX ''. XXXX says they are attempting to collect a debt on behalf of XXXX. In XXXX  2015, I did take out a payday loan - in person. No online application submitted. After the threatening phone call, I was to pay {$250.00} soon ( upcoming payday ), or the amount would increase over $ 1000+ ... The company ( CMS ) address provided, as per my request was : XXXX XXXX, XXXX, NY XXXX. The " DOS '' they 've quoted me is XX/XX/XXXX/2015 ; however this is so very inaccurate. I 've asked for info via email and of course they created a faux document which I still have in my email. They said to avoid being served papers at my work, I need to call XXXX ; naively, I did so and spoke with an " XXXX '' ... and fearfully, I provided her with my debit card # to be charged later that week. [ Initially my case # given was : XXXX. However, now that they 're calling me at work again, the case # differs ( XXXX ) ].
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I had a funny feeling and remember hearing about fake payday loan companies who go after people attempting to collect for an old payday loan. So, I decided to do research and look-up the info given during the call with " CMS '' ; I then contacted XXXX directly. I s/w with the rep there who said she 'd provide my call back info to their Corp office ; later that day, I received a call from XXXX from XXXX XXXX corp office. She states the collection agency/company third-party that they use is XXXX  XXXX. She says their collection attempts to not include harassing phone calls and, more importantly, they do not include a company " CMS ''. XXXX  states this is not the company they use for collection.
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Once knowledge had been received from XXXX XXXX corporate office, I cancelled my direct deposit to avoid being charged by CMS. Later that day, I called CMS back and spoke w/ the 'case manager XXXX XXXX ' . I told him that I spoke w/ XXXX and their info differed from that of which XXXX had provided. He began to go on and on about his legitimacy ; I just said " ok, uh-huh ... and he asked if the payment would still be made on my payday, I said Yeahhh surree ... The calls stopped for a few weeks until 2-3 weeks ago. Everyday they call me at WORK! It 's quite embarrassing ... they 're so anxious to s/w me so they can avoid serving me at work ... why not at home? And since I 've ignored their calls and voicemails, what are they waiting for?
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Please help me to make this stop! PLEASE.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Williams & Fudge, Inc (MO)

For whom this may concern, I was contacted by Williams & Fudge ( a debt collection agency ) on XX/XX/XXXX by XXXX XXXX. She stated to me that I owed a university ( XXXX XXXX XXXX ) over {$12000.00} for 1 semester of classes. 

When I disputed the debt, Williams and Fudge sent over proof from XXXX XXXXXXXX. This included a handwritten note in pencil with my account number. However, Williams and Fudge and the University failed to produce any signatures with my hand writing. I was able to pull up this evidence before, and now it wont let me. ( Please contact Williams & Fudge for documentation ) I contacted the school in XX/XX/XXXX, XXXX, and XXXX of XXXX. I left voicemails, and no one returned my call. 

When I called in XXXX, I finally got in touch with the University. They again failed to produce any evidence, and claimed over the phone yes, I can see you attended. When I requested to be shown the information, this was never produced to me. They refused, saying you need to contact Williams and Fudge, on XX/XX/XXXX at XXXX. 

On XX/XX/XXXX at XXXX I was then told this could hurt my credit by Williams and Fudge. I said, its never showed up on my credit report before. Its been reporting since XXXX XXXX, XXXX. When I called back at XXXX they claimed this was false information - directly from Williams and Fudge representative. ( This is also on a recorded line ). 

Mind you, Ive had the same phone number since XXXX. I was NEVER contacted by XXXX  XXXX or Williams and Fudge until XXXX. They purposely let the finance charges lapse until the debt reached over {$10000.00}. They claimed I attended in Fall of XXXX, in which I was living in XXXX Not XXXX. According to the university, the debt is over 4 years old.
Consumer complaint received 2022-03-03
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. (CA)

Regardless of my written request, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The EXPERIAN Credit Bureau failed to comply with the Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Consumer complaint received 2017-10-16
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I am receiving Safe Deposit Box Payment Notices from Bank of America. I do not have, and have never had, a safe deposit box with them. In the past, I had a retirement account with them, but that was closed many years ago. My husband and I have also had joint accounts with them XXXX also closed ) but the safe deposit box is in my name only. I wrote to them in XXXX and informed them that I do not have the box and told them to close the account and to notify me in writing that it is closed. This did not happen. When I received another notice today - XXXX - I called the local branch listed on the notice and the corporate customer service. Neither one of them could help me on the phone because I do n't have an account number to provide ( because I do n't have an account! ) There are now {$85.00} in past due fees shown. Please help.
Consumer complaint received 2024-01-25
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Palisade Legal Group, PLLC (NV)

On XX/XX/year> I contacted a place I saw online about a debt consolidation loan. They asked for information to see if I qualify but then was told I did not. but I qualified for a debt settlement program through a company called Palisades Law Group. They explained to me that they could take everything on my credit report and get it in one payment to get me out of debt faster than me making payments myself each month. They then informed me that with my total debt I would send them {$290.00} and some change each mo th and it would go into an account with a company called XXXX where the money would sit until they have settled with all my creditors on an amount to pay off debt. They informed me to stop making all payments on my credit cards and loans and go into each one and put in a number to replace mine so the creditors would be contacting them. I was current on all my credit cards and loans at this time. When they had me stop my credit score has dropped over XXXX points, creditors calling me due to I havent given this company any money cause I tried to cancel which they said I could do at anytime. They did not make any effort to reach out to the creditors to say they are representing me in the beginning. They said I had to pay first before they did anything. I was looking for a loan to pay my debt off and keep and gain a better credit score when all I ended up with is being behind in all my payments and credit score super low. They were very misleading and caused more financial distress and did nothing like they said they would.
Consumer complaint received 2023-01-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (LA)

As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to XXXX one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file
Consumer complaint received 2020-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thrive National Corporation (CA)

In XX/XX/XXXX I ordered some supplements from XXXX. Upon receiving the products it was discovered that I was allergic to some of the ingredients in the product. I sent an email as well as called the company and informed them that I needed to return the product. I obtained a RMA # and sent the items back. After not receiving the refund I was due I contacted them several times and inquired about the status of the refund. I was told that the refund would be given as the product had been received. I did not get a refund so approximately a month later I filed a dispute with my credit card company. My credit card company then notified me that XXXX had not responded so I was given the refund back to my card. In XX/XX/XXXX ( 2 years later ) I received a call and a letter from a collection agency trying to collect on the charge back amount. I responded within the required time frame and received another email on XX/XX/XXXX stating that XXXX is now claiming they never received the product back. I thereby went onto my XXXX account and looked at the history and it shows my order was canceled and that no other orders were mailed out. XXXX has no right to try to collect on a debt not owed to them. I returned any product ever sent to me and have not made any other orders since. XXXX is threatening collection and negative credit reporting in the use of their vendor they are using as a collection agent. They have failed to provide any proof of an order coming to me and also have failed to document the numerous calls I made them asking about the refund status. They also failed to respond within the 60 days required when my bank originally reached out to them when I filed the dispute. XXXX should be barred from collecting on the debt as they failed to respond in the 60 days originally and for two years never communicated with me directly. For them to hire a vendor who is attempting to collect a debt not owed to them is in violation of FDCPA, UDAAP and Reg E.
Consumer complaint received 2024-01-27
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc (OH)

Chime sent me a debit card in the mail. I called ( XXXX ) to dispute opening an account. This phone number was on the card and when I Googled the company online The said they confirmed my account by my phone number. The representative confirmed an open account after I provided my name. He asked for the last 4 of my SSN which I provided. I then asked for them to provide me the email address that was on the account he refused, I then asked to closed the account, he refused. 
They sent an actual card with a full account number, expiration date, and 3 digit code. They also included a direct deposit slip that could have been manipulated by someone. 
Chime cooperation is supporting or conducting identity thief. 
The following information was documented on the direct deposit slip. 
Chime is a part of XXXX XXXX  formerly known as XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, XXXX, Ok XXXX
Consumer complaint received 2018-03-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am writing presently in wish to receive your help. At the present time I am working on examining my credit, paying down my balances, and pursuing greater credit worthiness. You play a significant part in this procedure. I am asking about the account number referenced in this complaint. I see you have reported me 30 days to the credit agency ( XXXX, XXXX  and XXXX ) on XX/XX/XXXX and XX/XX/XXXX and I am submitting this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly imagine, is that my statement didn't get to me in time.
Consumer complaint received 2016-03-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I have been making numerous attempts to have Capital One validate this account that 's on my credit report. Every time I send them a letter of validation I receive generic and automated responses via postal mail. This account is reporting erroneous information and I want it removed from my credit report due to lack of validation as stated in the Fair Credit Reporting Act section 609 ( c ) ( 2 ) ( e ) and 611 ( a ) ( 5 ). Since the CRA 's along with Capital One can not validate this account it must be removed but neither parties involved are following the federal laws that are put in place.
Consumer complaint received 2024-02-22
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. (WA)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED XXXX XXXX XXXX, which outlines the permissible purpose of consumer reports. I have requested Form XXXX from XXXX, XXXX XXXX, XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2022-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please REMOVE the following accounts completely from my Credit Report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX
Consumer complaint received 2017-06-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Focused Recovery Solutions, Inc. (SC)

I have disputed knowledge of this account for over 2 years. Each time this account reports it reports as verified meets FCRA requirements however no debt validation has ever been sent to me to verify this account. I hold no legal contract wi th Focused Recovery Solution and under Hippa Laws my medical information is protected from 3rd party agencies. I have never consented or given any past or current medical providers permission to release my medical information to any 3rd party agencies.