davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-19
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: Colony Brands, Inc. (VA)

I have received bills demanding payment from 7th Avenue and Montgomery Ward which tell me that my credit report WILL show a negative rating unless they receive my payment by a certain date. The most recent statement demands {$60.00} by XX/XX/22. The letter states : " Every month we report the negative information on accounts to the three major credit reporting agencies, XXXX, XXXX and XXXX. If you want your credit rating to be positive, you need to send your payment. If we don't get your payment in time, your credit report will show a negative rating. A negative rating can have potenially bad consequences, including : Inability to get a CAR LOAN ; refusal of a JOB, Inability to get a HOME LOAN, Inability to RENT HOUSING. '' I'm not exaggering " car loan, '' " job, '' " home loan '' or " rent housing '' as the letter actually shows capitalized letters. 
I have contacted the company multiple times to ask for help with the account and explained by situation each time, but they have refused any assistance when I was unable to pay.
Consumer complaint received 2021-02-18
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: TekCollect Inc. (NY)

TEK Collect Inc is reporting someone else 's info on my credit. Upon reaching out to TEK collect they informed me that someone received emergency room services under my social. They provided me the person 's name but I dont have any affililation with this individual. This is a fraudulent account for which I shoudnt be held liable. Please remove this collection from my credit
Consumer complaint received 2024-02-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have a account XXXX XXXX  REPORTING A COLLECTION FOR XXXX FROM XXXX XXXX when its XXXX this is a invalid and mistake and I have the original creditor reaching out Why is this on credit with the wrong information This has been looked into twice and still reporting false information please delete
Consumer complaint received 2016-11-13
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (TX)

I called in to make a payment on my credit card and used the option to pay the entire balance due. This was on XXXX XXXX and my bill was due XXXX XXXX. I received a bill in the mail on XXXX XXXX saying that I owed interest of {$2.00}. How can i owe interest if I paid the entire balanxe due? When I called in they told me that the statement closing date and the due date were different and I was charged interest based on the statement closing date. They said it was my fault and when I asked if I would be charged interest again in XXXX I was told yes.
Consumer complaint received 2016-02-26
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (CA)

My credit cards were cloned and stolen in XXXX. While most of my credit cards handled the situation fine, American Express has been a nightmare to work with. I 've called dozens of times, received dozens of erroneous letters from them, they 've hung up on me countless times, and they even called my wife a XXXX and mocked her sarcastically.
Consumer complaint received 2015-10-23
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (PA)

On XXXX, I signed up for a double cashback promotion that Discover had offered to its existing cardmembers as well as new cardmembers. Yesterday, I chatted in to make sure it was still on my account. To my disbelief, the chat representative told me they did n't see anything about it on my account and that I had never called in to add the promotion to my account, which is false. I know for a fact I called in, but they oddly have no records of it. I chatted in a month or two ago to confirm ( but chat was a separate issue ) and they confirmed I 'd receive double cashback XX/XX/XXXX. I called in today and was told the same as yesterday. All I want is the promotion I was promised months ago.
Consumer complaint received 2022-07-19
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: CITIBANK, N.A. (CA)

In XXXX, 2022, I purchased an item from Bloomingdale 's which I never received. I notified the store which they deny that I ever did. Starting in XXXX, I sent emails and notes inside the bill. I told them I didn't want to pay for an item that I never received. Over time, interests and late fees piled up to almost three times the amount originally charged. Someone did drop one or two late fees, but that isn't a resolution. I have spoken to various individuals over the past months and have been yelled at, insulted, told I was lying, and have been denied resolution. I am sorry that I didn't write down dates of these phone contacts, of which there are many, but that never occurred to me.

Bloomingdale 's closed my account and denied a refund from the department where I tried to purchase the item. I am harassed for payment at least four times a week and have been told that my situation is 'just too bad. '' this is so stressful, that I have to pay for an item that I never received and have to be continuously harassed about payment. Further, they have ruined my credit. Please help me.
Consumer complaint received 2021-04-07
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: FIFTH THIRD FINANCIAL CORPORATION (IL)

I received an email that a charge was posted to my Fifth Third Bank Master Card credit card on XXXX XXXX. The same day I called Fifth Third Bank Customer Service Department and told them I did not make the charge, and asked them to cancel my card and issue me a new one. The card was still in my possession. The Merchant Name is XXXX XXXX  XXXX XXXX XXXX in XXXX, Illinois. The Amount is {$750.00}. I opened a Dispute the same day.

I was told they paid the charge as they received documentation validating the charge. The documents sent to me are not legible and when I called and asked them to read the information to me since I couldn't decipher them. I was told they couldn't do that and would send another copy, which was illegible also. I could read the Invoice # XXXX, which is odd. I asked for the dispute to be reopened. Since I could not reach anyone at XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, I contacted XXXX XXXX XXXX XXXX XXXX in XXXX, Illinois, which is 345 miles from my home, and spoke to XXXX, XXXX. She told me they had no record in the database of a charge of {$750.00} on XXXX, and could not find my name in the database so they never did business me, nor do they do any business with XXXX, which from my research looks like an ecard reader business. I spoke with her several times and she had never even received a call from Fifth Third Bank 's Dispute Department. They have now denied my claim for the third time.
Consumer complaint received 2021-04-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CA)

I was to be a grantor for my daughter for Apartments called the XXXX in XXXX XXXX CA in XX/XX/XXXX. However, once they ran my credit I was denied due to me already having an unlawful detainer on my credit from XXXX. They told my daughter to find another grantor with stronger credit or pay higher deposit. I was no longer involved. A year later I she moves and I started to see this debt on my credit report. I believe they used my information after because they did have access to it to hold me accountable for my daughters bill and not mines. I have made several attempts to reach out to the XXXX to have resolved but they can not assist. They are under new management. So I recently reached out to National Credit Systems and have been in contact with a XXXX XXXX at XXXX. She instructed me to file a police report against my daughter because that would be the only way to have it removed. I told her no because she did not do anything that was the XXXX who used me after the fact. I have filed a police report against the XXXX and as of XX/XX/XXXX, sent them a copy of that police report and a copy of my credit report showing I had an unlawful detainer at the time the XXXX ran my credit proving that I was not qualified for the apartment.
Consumer complaint received 2021-04-07
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: EQUIFAX, INC. (NC)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2021 30 DAY DEMAND XX/XX/2021
Consumer complaint received 2015-12-02
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

There are XXXX accounts listed on my credit file from Midland Funding LLC which are very old. I have disputed several times with no verification ( initial signed contract and proof when the date the last payment was made ). Can your agency help assist me?
Consumer complaint received 2022-01-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain credit.
Consumer complaint received 2021-02-25
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. (FL)

I don't know what else to do, I have disputed these with the credit agencies and the collection companies. The information below is inaccurate, false and unverifiable and needs to be removed off of my credit file. Please help XXXX XXXX  XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX XXXX and unverifiableremove Balance : $ XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$330.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$870.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$450.00} XXXX XXXX XXXX Duplication and unverifiableremove Balance : {$200.00} XXXX XXXX XXXX - Duplication and unverifiableremove Balance : XXXX XXXX XXXX XXXX - Unknown and unverifiableI tried to verify and get no response Balance : XXXX XXXX XXXX XXXX - XXXX - says I owe {$220.00} but past due XXXX inaccurate and false and unverifiablebecause I have tried and got nowhereREMOVE Balance : {$220.00}
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A. (OR)

I reported an unauthorized charge on my credit card with Citi bank. A charge was made that was not expected. The charge was made at a XXXX car rental. I was offered a free upgrade, only to find that that it was not free, but instead charged {$240.00} for this upgrade. When XXXX had me sign they gave me a PDA without a total on the screen, and the salesman said it was an agreement for the car rental. Nowhere was it visible that there would be an additional charge.
Consumer complaint received 2017-02-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (IL)

My husband died in XX/XX/XXXX and I was making the house payments but, fell behind because I had to fix the the house. I have been trying for 2 years to talk to the bank but, they keep saying that I am not on the mortgage. I sent them a copy of the mortgage that, shows my name and it took them months to acknowledge. Then they took me to court and said, my dead husband filed for bankruptcy and gave up the house and got a judgement and the house now has a sale date. I applied for a modification and they keep sending letter I did not send documents and when I call they find them. Now they want me to start the who process again, when I have submitted all the documents. Please help me.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

in 2010 i obtained a harp mortgage from bank of america since modification i paid the mortgage every month on time after the first year i received a letter sTATING I AM ELIGABLE FOR A XXXX XXXX DOLLAR CREDIT SINCE MDIFICATION I WAS BEING REPORTED TO THE CREDIT BUREAU AS DELINQUENT THIS RUINED MY CREDIT SCORE i tried unsucesssfully to rectify this error speaking to several people at bank of america without any success what can be done
Consumer complaint received 2015-04-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Revenue Assurance Professionals LLC (TN)

RIDICULOUS I CANT BE HAVIN PEOPLE CALLIN ME AND TELLING THINGS THAT DO NOT EVEN BELONG TO ME. AND ON TOP OF EVERYTHING THEY REPORTING ON MY CREDIT. SO I SENT A NOTICE SAYING TO STOP. THEY STILL DOIN IT
Consumer complaint received 2022-07-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION (FL)

We closed our our home on XX/XX/2022 and were advised we would receive an escrow refund check in the amount of {$2000.00} within 30 days. It is now XX/XX/2022 and the lender, AmeriSave Mortgage has not sent us our refund. We have called and spoken with management 7 times and are told multiple things ( it was sent, or it is being processed, wait another 30-60 days ) and still have not seen our money. This money belongs to us and AmeriSave is holding and sitting on our rightfully owed money. Looking to take legal action and recommend that no buyer or seller use this company.
Consumer complaint received 2021-02-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE (NY)

My wife had planned a trip and used XXXX for travel arrangements. She used my credit card issued to me to pay for the trip. The trip was booked months in advance and my balance was paid off in full. Months later the pandemic struck our state of NY and the world. All trips were cancelled and a vacation was the last thing on all of our minds, nevertheless we contacted the credit card customer service and explained the situation. We were told no refund would be given, and that the policy is that no dispute of charge after 60 days. This was a {$1800.00} charge and I have tried on multiple occasions to resolve this. I have full documentation and proof substaniating my claim and the department refuses to reopen this matter. I still have the account ipen in hopes they will issue me credit. Attached are documents faxed multiple times to Barclays of Delaware. Please feel free to contact me for more info.
Consumer complaint received 2015-07-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc. (VA)

I settled an account with GM Financial in XXXX 2014 ; however, GM continues to reflect an unpaid balance. I spoke to a representative in the " Escalation Department '' that told me that the only way to remove any showing of a balance, even after paying the settlement off, is to pay off the difference. The pre-settlement balance was approximately {$6000.00} ( uncertain of amounts ). GM and I agreed to a settlement of approximately {$2100.00}, but continue to report that owe approx. {$3900.00}. Is this double jeopardy? Although they agreed to the lesser amount, they 're telling me they wo n't remove the unpaid difference from my credit report. I 've asked for a letter from GM that states the account was settled for $ XXXX with a {$0.00} balance due, but they will only send a letter that says the account was " settled in full ''. I 'm not sure what that 's supposed to mean to me and other creditors when GM is still showing a {$3900.00} balance due? I 've tried working with them, but I 'm not getting anywhere.
Consumer complaint received 2017-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TX)

Attempting to release co-signer from loan. Primary loanee has met all stated requirements ( at least 12 months consecutive on-time payments ) for over 20 months. Each time request is made the lender rejects the request, finding new reasons to deny the the request.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

When I reinvestigated my updated credit report, I see that the same account was erroneous. XXXX and TransUnion are required to validate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unverified information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$4700.00}
Consumer complaint received 2020-11-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WA)

I have reached out to Experian back in XXXX to advised them that there were 3 fraudulent accounts on my credit report, XXXX card, XXXX XXXX XXXX and XXXX XXXX. I provide the company a copy of my police report and other documents to support my claim. every time I dispute the item they came and said it was verified. I asked the company numerous times to show me how it was verified ( method of verification, I asked them to provide documents and show me where my signature of something and they never did, which is a violation for the fcra, Experian is require to show proof of regular documents and they are suppose to provide it within 15 days of my dispute. mind you, I dispute these account more than 4 times, each times they never showed me verification. they just always just said it is verified!!! number two the creditors ( XXXX card, XXXX XXXX and XXXX XXXX all said these account were closed to bankruptcy!!! I do not have bankruptcy and no bankruptcy is reporting on my credit report!! all 3 three company advised that these account were closed due to bankruptcy!!!! I provide this company with name of the people who I spoke with XXXX from XXXX financial, XXXX from XXXX consumer use said that XXXX XXXX sold them my account and said it closed due to bankruptcy and they sent a letter to Experian to delete their account ( mind you Experian never told this me nor provided verification again. ) XXXX from XXXX  and XXXX from XXXX card all confirm these account were closed due to bankruptcy!!!! I told this to Experian on numerous time and they failed to do anything about it, so, again that's another red flag and fraudulent stuff!!!! and my name is spelled wrong on my credit report, my name is XXXX, not XXXX which I advised them on numerous time about this and they failed to correct, which is another violation.FCRA 611 ( 15 U.S.C. 1681I ), [ FCRA 611 ( a ) ( 7 ) ] Section 609 ( a ) ( 1 ) ( A point if they don't block these fraudulent accounts I will Sue this company, I already consultant a lawyer, this will be my last time trying to resolved this peaceful. I already advised the ceo XXXX XXXX of the horrible work that XXXX ( the representative in consumer affair has done on my case, and XXXX in consumer affairs has done, and she told me she would not put in another dispute and if she does it will come back the same!!!. I know my rights and the law!! This is illegal! below in the attachment are Experian ways of " method of verification '' is which is not the way fcra stated they are suppose to show method of verification!!! you have to show proof!!!! word of mouth doesn't mean anything!!!! as you can see this company has send me this bs verification for 2 months now!!!! its like they just copy and past their same response!!!
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NC)

I have repeatedly entered all required/prudent information but have been denied by statement information not found when attempting to replace freeze on my account. 
This was attempted today XX/XX/2020. 
This freze was implemented on or about XXXX XXXX.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I borrow through Navient and I 'm on income driven repayment. Every year they have failed to tell me when I need to renew and I am surprised by a bill that 's roughly XXXX my usual monthly payment.
Consumer complaint received 2022-01-18
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. (NY)

hello my name is XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. this is horribly impacting my life tremendously.