davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (AR)

I am finishing complaint number : XXXX I received the washer and dryer on XX/XX/XXXX. They did not work properly. The washer took one and one half hours to wash a load. The dryer took the same to dry a load. I called on XX/XX/XXXX and they sent someone to fix the problem on  XX/XX/XXXX. On XX/XX/XXXX after he left I realized they were not fixed. I called them and said come and pick these up they do not work properly. They said the earliest time they could pick up the washer and dryer would be XX/XX/XXXX. They called later and said I would need to pay {$70.00} for the pickup. I went to the store on XX/XX/XXXX to pay the {$70.00} and make sure they were coming on XX/XX/XXXX. The manager I talked to was XXXX XXXX. He said they did not charge for that pickup. He said the washer and dryer was still scheduled to be picked up on XX/XX/XXXX. No one came on XX/XX/XXXX to pick up the washer and dryer. 
After Best Buy refused to pick up the washer and dryer, I disputed the charge with Citi Bank. My credit card is with Citi. Citi sent me an email stating I must send them two documents to complete my dispute. I will attach copies of all documents I mention in this complaint. 
First Citi requires me to reply to Best Buy 's response to my complaint. I will attach Best Buy 's response. Best Buy 's response is a blank page. How do I respond to a blank page? I called Citi 's dispute department and mentioned the blank page but did not get Best Buy 's response. I still do not know how Best Buy responded to my complaint.

Second Citi requires me to provide a second opinion on the washer and dryer not working properly. The opinion must be from a professional dealer. I checked with XXXX and XXXX. Both would charge almost one hundred dollars each for the washer and dryer. In essence, Citi requires me to pay almost two hundred dollars just to find out if my dispute is valid. I will attach copies of both XXXX and XXXX charges to come to my house. 
Best Buy 's warranty requires only that I stay within a fifteen day return time period. I will attach a copy of Best Buy 's warranty.
Consumer complaint received 2017-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

As of pulling my credit report recently I realized that Capital One credit card account that was alleged/supposedly debt from XXXX was still reporting to credit bureaus as of XXXX XXXX as derogatory. This debt or account has never been validated to me in writing. It is also expired alleged debt of over 7 yrs old, statue of limitations has expired in the state of NY.
Consumer complaint received 2017-01-05
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NJ)

I leased a vehicle the year prior to joining military service in XX/XX/2016 I called Ford Credit to request a lease termination under the Service Member Civil Relief Act. They requested I send the letter to them and I did on XX/XX/2016. 
I received notification on XX/XX/2016, via telephone, that my request has been denied. They stated that I must be on orders assigning myself outside of the continental US. 
I understood the SCRA to cover me for the lease termination upon entering military service and not just when I receive orders overseas.
Consumer complaint received 2015-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NY)

I had a public record for a unpaid tax lien for NYS through XXXX XXXX XXXX that I provided proof it should have been vacated and deleted. Experian did delete it- and now it has reappeared. I am trying to buy a house-and this is causing a tremendous financial strain- as it has made my fico score drop.
Consumer complaint received 2017-10-08
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ECMC GROUP, INC. (TX)

I was contacted by Alaska XXXX on XXXX in 2015 they informed me that I owned on my student loans. I tried to make a payment plan and they declined stating that the only option is pay the loan, go back to school for deferment, or default. I then told the rep that I was going back to school. XXXX University then sent them a letter to them and all my federal and private student loans stating my enrollment. But shortly after the get a letter from premiere credit stating that my loans are being handled through them. I called to told him them the same issue and they stated that they would handle it. Nothing has being done and when I call they tell me the same thing while this bill is accumulalting fees. Due to my contract I 'm in deferment until I get out of school and it seems that they are n't trying to work with me knowing my situation. I 've tried to communicate with them and they tell me they are handling the issue but the bill are still coming and fees are still accumulating. Please help. I do n't want to own more on loans while I still getting my education.
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Allied Collection Services, Inc. (Nevada) (CA)

I did not receive notification from the debt collector ALLIED COLLECTION SERVICE for a bill from XXXX. This was placed on my credit report without my knowledge or ability to pay before it was reported. I just received my first communication with a debt collector, XXXX XXXX, XXXX XXXX XXXX XXXX, on XXXX/XXXX/16. They stated that this debt had not been reported to any credit agency and was not on my credit report. ( I settled the account and paid it in full on XXXX/XXXX/16 with XXXX ).
Consumer complaint received 2016-10-09
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Services Collections, Inc (TX)

Last XXXX I received a phone call to my work phone from an agent of Account Services intending to collect a medical debt from several years before. I was surprised as I had never provided that phone number to this company nor to the doctor 's office, and of course neither permission to call me to my work phone. 
As the XXXX XXXX ( XXXX visit to the doctor for a check-up that generated XXXX different low amount bills ) provided were performed several years before and I always pay my bills on time, I was quite thrilled about this communication. I did not have record of payment or non-payment of the bill as they were years old, but I had no problem on paying the bills if they existed and were accurate. I called Account Services and requested a debt validation of it before paying the debt. When I spoke with the agent ( a woman ) she never advised me that the request had to be in writing, but stated that the debt validation notice would be sent to me and that then I would pay. I had received previously a letter from the company stating that the debt validation request had to be in writing, but as the collector told me that they would send it right away and that I would pay upon receiving it, she made me thought that collection efforts would stop till such validation was provided and that I would just have to pay once the debt was justified. 
Since that communication, I never heard again from Account Services, so I figured that they could n't validate the bill or there was some sort of mistake. Last week I was applying for a new apartment lease, so I went to XXXX XXXX to check that everything was in place in my credit report before the credit pull was done. I was astonished when I found out that Account Services has been reporting several medical bills as delinquent. I feel absolutely deceived. This is outrageous. I 've never stopped paying a bill on time. I even told them that I would pay immediately as soon as they proved the debt. I relied on their agent 's word, and in return my credit report is completely destroyed. 

I hope you can help me with this company
Consumer complaint received 2021-06-04
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC (NJ)

PHOENIX FINANCIAL SERVICES is trying to collect on behalf of XXXX XXXX XXXX for an unknown debt.PHOENIX FINANCIAL SERVICES has not supplied any proof of contract showing my signature of my identification, how the debt was calculated, or proof of purchase of the contract from the original creditor. I recently checked my credit report and noticed an unknown debt on my credit report. This negative account in the amount of {$160.00} is lowering my credit score and causing issues for credit approvals. My quality of life should not be lowered due to their mistake and not following proper Credit and Collection Laws such as FDCP.
Consumer complaint received 2017-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NJ)

I had a credit card with chase bank for around six months, just recently I opened another card with the bank. on XXXX XXXX 2017 I received a letter stating my accounts have been closed for 1. " not enough credit information on file '' 2. " the accounts on your credit report have not been open long enough '' 3. "  account not used as intended '' this causing me to lose points earned and create a horrible dent in my credit report to show a card closed by issuer.
Consumer complaint received 2017-10-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (GA)

I have several open/active credit accounts with Synchrony Bank and they are paid on time with no account behind or delinquent. I continue to receive phone calls from Synchrony Bank from their collection department despite this. I received a call on XX/XX/XXXX before XXXX which woke me and I was sick that day. Then, I received a phone call on XX/XX/XXXX which was a Sunday afternoon. Each time I was not able to answer when they called, so I called back and it was the collection department. When I inquired as to why they phoned me, they checked my accounts and could not provide an explanation because all of my accounts are in good standing. On XX/XX/XXXX, I spoke to a supervisor ( XXXX -- Collections Account Mgr ) to file a complaint and let them know this is harassment. She assured me that it would not happen again and now it has again in XXXX. 

After theXX/XX/XXXXcall, I noticed that I also had to put my telephone number back into all of my accounts when I went online to pay. This is harassment pure and simple and against the law. 

Please note : InXX/XX/XXXX I had to file XXXX XXXX Bankruptcy. I had several accounts with Synchrony Bank that were involved in this bankruptcy and they can not collect that debt. The new accounts I have are for the purpose of rebuilding my credit. On XX/XX/XXXX, I was informed that maybe I am a secondary on an account or someone used my social security number to open an account. I informed them that they should be able to see if something like this is the case and should transfer me to the fraud department. They are calling with no explanation and engaging in unfair debt collection practices for a debt not owed. 

The number the calls are coming from is XXXX and it is the Collections department.
Consumer complaint received 2021-06-04
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. (PA)

I recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.
Consumer complaint received 2017-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

The year XXXX of this year where my information was stolen from different sources that uses equifax and XXXX and XXXX union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

It is the practice of my mortgagor,  XXXX , to report my mortgage payments to credit agen cies 3-4 mo nths after payment is made. For instance, my Transunion credit report currently lists  XXXX  as my last mortgage payment as on time.     I would expect  XXXX  to promptly report my most recent mortgage payments to the credit reporting bureaus to insure accuracy of my  credit score.
Consumer complaint received 2017-02-14
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Holloway Credit Solutions (AL)

Holloway Credit Solutions left a detailed message on my work voice mail mentioning me and a debt I owed. I want them to stop. I thought this was not legal? I sent them a letter of asking what this was for with no answer.
Consumer complaint received 2016-05-06
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC (OH)

Outrageous interest rates and unmanageable payments not ONCE a month but TWICE!! Their goal is to keep you in debt, the payments are so high you ca n't afford extra payments!!! They claim interest rate goes down but absolutely not true!!! XXXX for a XXXX loan for XXXX month all interest! Have made numerous attempts to settle and have been ignored!
Consumer complaint received 2015-08-31
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL (RI)

My mother received a call from XXXX XXXX XXXX which she forward to me. When I spoke to them, they demanded payment from me for a debt that I owed on a credit card many years ago. They told me I would be sued and that a law enforcement personnel would be sent to my home to issue a judgement against me. I was scared so I gave them my info and signed a document including my debt info to make the first payment. It was not until later did I realize I was scammed. The person I spoke to would not allow me to settle my debt or offer other payment methods. I was not able to speak to anyone else regarding my debt except this one individual and after multiple requests did he send me a receipt for the first payment I made and the paperwork with info from the law office that supposedly bought the debt. My credit history did not match up with the debt they were seeking. I looked up more info about the company found out about their illegal debt collecting practices and scams against consumers.
Consumer complaint received 2020-10-18
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

Hello so I recently got scammed over XXXX. The backstory : I purchased a product through XXXX and a man said hed ship over the product after I send the money XXXX {$450.00} XXXX through XXXX. I sent over the money only for the man to then block me and not reply to any of my messages. I already filed a claim on XX/XX/XXXX through to Wells Fargo and Ive been utterly defeated ever since. Im a college student and I just wanted to know if theres any possibility at all that I might get my money back through the Wells Fargo claims process, or if Im just hopeless now. Thank you.
Consumer complaint received 2015-04-16
Product: Credit card — 
Issue: Billing statement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My Bank of America Credit Card statement balance was paid in full before the due date, and I was still charged a fee listed as a minimum interest charge. I called customer service and explained that the statement clearly showed that my previous balance minus my payments & other credits added up to zero, just like the previous month when no interest fee was charged. But, the customer service representative told me it was Bank of America 's policy to still charge me a minimum interest charge regardless, and emphatically stated that this policy was not going to change. I believe this is a misleading and deceptive practice by Bank of America, that is in clear violation of my credit card agreement, and should be illegal.
Consumer complaint received 2022-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING BALANCES, LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( 2 ). I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( 4 ), AND MY PRIVACY HAS BEEN BREACHED.
Consumer complaint received 2020-10-18
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. (TX)

I have disputed and submitted multiple complaints about XXXX XXXX inaccurate information on my credit report. XXXX XXXX is in blatant violation of the FCRA. They are reporting an account that has been charged off as an open account with late payments. XXXX XXXX has also deceptively changed the reporting history in this account and upon investigation keeps sending false information to the credit bureaus. It is plain to see XXXX XXXX are reporting 120 and 180 day late payments. The record also reflects there has been no payment om this account for 4 years. Which means 120 and 180 day late on my credit reports is inaccurate information and against the law. I have tried to resolve this many times with no resolution. By law per FCRA XXXX XXXX and Credit Bureaus must report accurately. They knowingly have not and thus continue to affect my credit and my life in a negative way. This information must be corrected to report accurately or I will be forced to take legal action against XXXX XXXX, XXXX, Transunion and XXXX.
Consumer complaint received 2017-10-08
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. (TN)

The year 2017 of this year where my information was stolen from different sources that uses XXXX and XXXX and Trans union reports was compromised and breached from the systems. Please fix all reports to match what is accurate.
Consumer complaint received 2022-02-11
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tribal Lending Enterprise, Inc. (CA)

On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. 

Then, starting on XX/XX/2021, I started receiving messages from debt collection agency XXXX stating that I had an unpaid balance with XXXX XXXX I have never ever done business with XXXX XXXX  or XXXX for that matter. 

I have emailed XXXX, XXXX, XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.
Consumer complaint received 2021-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (MS)

i seen COMENITY CAPITAL BANK/XXXX had reported a inaccurate item on my credit report on XX/XX/2021 saying that i owe them XXXX , so i sent them a letter requesting the validity of the debt on XX/XX/2021 and asking that it be sent within 30 days required by law or delete it.
Consumer complaint received 2017-10-08
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 — Investigation took more than 30 days
Company: Bread Financial Holdings, Inc. (NY)

I pulled my credit report recently to discover XXXX XXXX had reported to all 3 credit bureau 's my account was deregulatory and/or over 30 days late as of XXXX-XXXX-17 my account has been in good standing & current with all payments. 
I requested a written validation letter, never received it & I also spoke with customer service at XXXX XXXX they informed me all reporting to credit agencies would be changed and updated right away due to my account being in good staying and current to date. 
I wrote to all 3 credit bureau 's requesting this corrected on my reports, the error was never verified or validated in written.
Consumer complaint received 2016-09-21
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: BB&T CORPORATION (NC)

I am very devastated for all the excuses BB & T Mortgage has gave me in order to denied my loan. I have tried to work directly with them but they keep prolonging my loan and making me fall more behind. I been forced to re-apply every time, I am an elderly man and this is causing my health to decrease and I have even start working a second job to proof BB & T Mortgage that my intentions are to keep my house. BB & T Mortgage needs to review my loan under the correct income, I am sure they keep doing this to me because I am an elderly and they think I do not know my right but I do and I am fighting to stay in my house. Therefore I wont stop until I safe my house this is the only thing I have left, and I do not want to end homeless. Please have some compassion and review my loan fairly. I am a VA and have serve my country this injustice needs to stop.