davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-09
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: SYNCHRONY FINANCIAL (FL)

Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Account Number XXXX Account Number XXXX XXXX XXXX  {$4400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT SYNCB/AMAZON PLCC {$510.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Consumer complaint received 2018-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

received email from my Capital one XXXX on XX/XX/XXXX said I have request change mailing address, I called XXXX customer service on XX/XX/XXXX and told I have not make any request for change mail address!! and told her DO NOT change my mail address!! I was traveled between XX/XX/XXXX to XX/XX/XXXX, after I came back home and saw few emailed from XXXX on XX/XX/XXXX said Capital one said new card issue to me and XX/XX/XXXX said Capital said I have change email address!! so I called and told to customer service 1. I and not received the new card. 2. I have not request to change my email address, and customer service from Capital One said I have lots charge from XX/XX/XXXX to XX/XX/XXXX from the new card end # XXXX total amount {$390.00} ( 30 different charge ), I was asked Capital One I need put those charger for dispute, because I never received this card and never authorized charges. I think I'm victim of identity theft.
Consumer complaint received 2016-12-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (OR)

I have an incorrect collection showing on my credit report with the original creditor being XXXX, but reporting as Pinnacle LLC. The original account was supposedly opened in XX/XX/XXXX, and was recorded as delinquent. I disputed the account because it did not belong to me and thought the matter had been resolved. Unfortunately, the account has come back and Pinnacle LLC is showing delinquent with a date of XX/XX/XXXX, pushing the old account forward XXXX Years from the original account date. This is not, nor has this ever been my account and I would like it removed from all of the reporting bureaus.
Consumer complaint received 2015-11-16
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: McCullough Payne & Haan, LLC (GA)

This debt collection agency has filed a XXXX on XXXX 2015 for the amount of {$3200.00} now they are trying to garnish my wadges but the amount they are claiming is now {$3900.00}. This is getting to be ridiculus. They are changing amounts and now they have the writ and are trying to garnish my wages. I need for them to just set up a payment plan but they want even negoiate any terms with me.
Consumer complaint received 2016-05-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (CA)

I saw the Citibank thank you preferred card ad a couple months ago about the offer that I can get XXXX bonus point when I spend {$1500.00} within first 3 months if I did n't close an old thank you card account within XXXX. This is my very first credit with citibank so I went ahead and applied for it, I got approved, spent a couple thousands. Only later I found out the offer was n't applied to my account, so I called them asking about it, the manager I talked to said she will be able to help me to put this offer back into my account and will call me back when this is done. I waited for a month and a half, never heard back from her. So I decided to call in again today, I spoke with another manager and he offered me XXXX points instead of XXXX which I was supposed to get. That is XX/XX/XXXX of what I was offered.
Consumer complaint received 2023-08-08
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: LegumFitzpatrick, PLC (DC)

In XXXX, I filed a complaint against my loan servicer XXXX XXXX XXXX with whom I had a private student loan with. I received a response back from XXXX XXXX XXXX stating that my servicer had changed, during the time that I was in XXXX XXXX XXXX from XXXX. Once my XXXX XXXX XXXX was successfully discharged, my student loan was placed with a law firm called XXXX XXXX. I was unaware of this significant change as I never received any communication. Also, it seems like unfair debt collection to be discharged out of a XXXX XXXX reorganization plan and not be given an opportunity to get on a payment plan or for payments to restart with your loan servicer. In addition, my mother XXXX XXXX was the cosigner on my student loan and she was also contacted after my bankruptcy discharge to make payments on the loan in which she made a payment of XXXX XXXX dollars to help reduce the overall balance. I recently found out less than XXXX was applied to the principal balance. Subsequently, during my attempts to dispute the debt through CFPB complaints, XXXX XXXX XXXX XXXX new loan servicer for my private loan took me to court and a judgment was placed against my primary residence. I never even received a summons from XXXX to notify me to go to court regarding my student loan debt. Based on what I utilized my private student loan for the original debt that I acquired fit the criteria to be XXXX during my XXXX XXXX discharge in XXXX. I have owned my home for over XXXX years and now in attempt to sale my home, I have a judgment of over XXXX XXXX dollars due with daily interest of {$2.00} a day, since the judgment was granted in XXXX. My mother has also been contacted many times from XXXX by the collection company regarding the debt in question and has made additional payments, however the judgment amount never has been reduced by XXXX XXXX XXXX XXXX is now defunct and I can not get an itemized account summary with all the payments received. I requested a loan account summary from XXXX XXXX but I never was provided XXXX. I recently communicated with XXXX XXXX at XXXX XXXX regarding paying off the judgment principal balance during my home settlement and the interest amount due be paid in a payment plan so that the judgment can be lifted but mysteriously she never responded to my inquiry/email. There were additional recipients on the email ( XXXX and XXXX XXXX and they also never responded. The interest should be forgiven or significantly reduced for this judgment. XXXX XXXX sent a judgment release letter to the title company, stating my judgment can be released for almost XXXX. In addition to the funds my mother has paid on the loan, they will have collected XXXX or more off of a student loan that originated for far less. I do not think it is fair to myself as a debtor to be treated in this manner with no recourse.
Consumer complaint received 2023-08-10
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL (TX)

In early 2022, I was notified by XXXX, after making a XXXX time purchase that they had opened a XXXX  credit card and XXXX. I told XXXX, it was the merchant who sent the sale through XXXX, not me, I hadn't a choice. XXXX nevertheless, coerced me to keep the account by making it near impossible to close the account to just leave it open. I never applied for, accepted or used the credit account. It was opened via deceit and fraud. For the past year I've done everything imaginable to get them to close the credit account and the XXXX account. They have outright refused! This known fraudulent account, they REFUSE to close. They're damaging my credit rating with each passing day. It's crazy. This is racketeering!! See attached. I don't even know the account number. Its issued through a third party company, Synchrony. Synchronization, I have other accounts with, this one isn't listed, they say only XXXX can close this credit account I never opened.
Consumer complaint received 2023-08-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: BARCLAYS BANK DELAWARE (NY)

In XXXX  I received a collections letter from XXXX and XXXX regarding a credit card debt to Barclays Bank which I do not believe I owe and replied requesting validation. I received a response which I do not beleive meets the requirements for debt validation under New York or federal law and replied specifically requesting the following : a copy of the original signed credit agreement or application, transaction summaries showing how and when the amount they claim I owed was calculated, proof that XXXX and XXXX was authorized to collect the alleged debt on behalf of Barclays Bank, and proof that XXXX and XXXX is licensed to operate as a debt collector in XXXX XXXX XXXX. I received no further communication from Barclays or XXXX and XXXX for several years which I took as a tacit acknowledgment that they were unable to validate the alleged debt. 

On XX/XX/XXXXXXXX  I received notice that XXXX and XXXX was seeking default judgement in a lawsuit they claim to have filed against me in XX/XX/XXXX. I was never served with this lawsuit and had no knowledge of its existence prior to receiving this notice. Per documents filed with the court the initial complaint was served to a third party identified only as " XXXX XXXX  ( name refused ) - co resident '' ( I live alone and have no idea who this could be referring to ) and the complaint was sent by mail to an incomplete address. Documents also show that an additional notice was sent to the same incomplete address and returned as undeliverable by the postal service. 

I made multiple attempts to contact the attorney of record ( XXXX XXXX ) by phone but the number provided for him in a filing is directed to one of several non-attorney collections who immediately start talking over me or disconnect the call when I raise any of the following issues : The alleged debt was never validated, XXXX and XXXX knew or should have known that the original complaint was not properly served, by the time I became aware of the lawsuit the alleged debt ( if valid ) was time barred, all Barclays Credit Card agreements include a mandatory arbitration clause and even if the alleged debt is valid the lawsuit is improper as the matter should have been pursued in arbitration.
Consumer complaint received 2016-06-25
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (IL)

Since reporting an issue with my checking account ending in XXXX to chase, about which XXXX unauthorized debit and XXXX unexpected ( and new ) {$20.00} chase fee, sent my account into a cascading negative state, fees and penalties have continued to mount ... .in amounts that I ca n't realistically pay, even in it were fair. 

How can chase justify roughly XXXX dollars in overdraft fees that have mounted ( and were contributed to by the fees themselves ) that all were started from XXXX unauthorized debit ... .. after which a handful of new debits came through, were not paid and were then accessed fees. It 's is unfair and outrageous considering I notified chase of the errors and my intention to try and stop the bleeding and chase simply rolled out the excuse " you 've had reversals in the past so we ca n't help you. '' It should be illegal what has happened here.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MI)

Experian has been inaccurately reporting a child support that was charged off a balance. 'first of all it wasn't charged off and second it was paid and there is no balance. I have asked for 4 months to have it corrected to report accurate and it still is wrong.
Consumer complaint received 2016-04-21
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SIMM Associates, Inc. (NY)

Simm Associates has made multiple calls to my fathers ' ex-wife at her work place, also leaving messages disclosing private information of the nature of their business. In addition they called my father twice. They called my workplace, when I returned their call I was placed on hold for over 20 minutes the customer service representative was abruptly placed me on hold whilst I was speaking.
Consumer complaint received 2023-08-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY (CA)

Last XXXX I filed a complaint regarding Wells Fargo Bank. The problem involved a refund being posted as a payment, resulting in my payment due being shown online as {$0.00}. Shortly thereafter, I was charged interest on my account because I had not made the full payment. That complaint ID is XXXX. I stopped using that card with the intent of closing it once I had changed all automatic billing and the billing cycle had closed. I made my final payment on XX/XX/23 and had a balance of {$0.00} on my credit card account. However, when I checked online today, I have an outstanding balance of {$21.00}. Yet, no charges have been posted since I paid off the balance. 

I called WFB today and asked why I have an outstanding balance. The person told me, " We're having issues and someone will contact you in XXXX business days. '' At the risk of sounding cynical, I think the only issues WFB is having is when someone actually checks their banking records and notices that the bank is posting charges or doing other things to increase the bank 's revenue. As I said in my previous complaint, I think WFB is intentionally defrauding customers- again. And this time, I captured the screen shot, because I remember them stating last time that I was wrong, even though my calls are made " on a recorded line ''. Of course, they would not provide copies of the calls where I was told that the refund had been credited as a payment.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc. (NJ)

I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2021-03-24
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (CA)

I had paid my debt in full with the National Credit Adjusters collection agency in XXXX of 2020. I have called multiple times and spoke with XXXX to have this debt removed from my credit report because it was paid. It is showing as a collection on my report and has been paid for almost a year and the company is not responding or willing to remove this paid debt off of my credit report
Consumer complaint received 2023-09-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cooling & Winter LLC (GA)

XX/XX/XXXX XXXX Noticed legal fee and hold on my bank account on XX/XX/XXXX. Called XXXX XXXX XXXXXXXX and was instructed me that is was from due to needing to investigate my account for an outside party. And would have to call back to speak with legal department from more information when they opened. I was also given number to outside party ( XXXX ) XXXX. 
XX/XX/XXXX XXXX I called the ( XXXX ) XXXX which is Cooling and Winter Firm, I implied that I was looking for reason hold was placed on my account and my was forwarded to staff member to help me. No answer, and I left a voicemail for return call. 
XX/XX/XXXX XXXX Called number to XXXX XXXX XXXXXXXX to speak with legal department regarding fees and hold, agent stated I could not speak with anyone but she would contact them on my behalf. The agent stated the hold and fees were due to judgement from the State of Georgia, and my addition bank account balance would should not be affected, there was just a one time hold for {$330.00} as of now but the told instructed to hold was about {$3400.00}. I also reported that I was unable to contact party that placed hold on account and asked for more info on how to resolve. 
XXXX I called Cooling and Winter back and was given XXXX contact number because I was unable to reach anyone attempted to call both Cooling and Winter contacts I was given with no success. 
XXXX-Followed of with BaXXXX XXXX XXXXXXXX due to not being able to contact with Cooling and Winter. Representative reinforce that Bank Could not remove hold due to instructions from State of Georgia. 
XXXXEmailed Cooling and Winter and finally was able to speak with someone called me back, who identified as debt collector. Collector stated that a judgement for garnishment when given XX/XX/XXXX, which I cant find any record of. Representative stated that total debt was about {$4200.00} and garnishment started on XX/XX/XXXX and would take all wages in account not just a percentage.
Consumer complaint received 2023-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (PA)

My credit score was hit multiples time by a debt I never had from the company below for the amount of {$880.00}. I've never received a loan from this company or ( XXXX ). All debts I currently owe are in good repayment status. The disputed debt in question was never mine and I never received any money from this company or ( XXXX ) in my bank account. 

XXXX XXXX XXXX Date opened XX/XX/ Status Collection account. {$880.00} past due as of XXXX XXXX 
Status updated XX/XX/ Balance {$880.00} Balance updated XX/XX/ XXXX XXXX Original creditor XXXX Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Comment
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
EXPERIAN : XXXXXXXX XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$1700.00} XXXX XXXXXXXX XXXX Date opened : XX/XX/XXXX Balance {$980.00} XXXX XXXX XXXX XXXX XXXXXXXX Date opened : Balance {$1400.00} XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1300.00} XXXX : XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1300.00} XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} XXXX XXXX XXXXXXXX Date opened : XX/XX/XXXX Balance {$980.00} XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$1400.00}
Consumer complaint received 2021-03-24
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. (TN)

I have numerous negative items stated on my credit report that is not mine. I was never aware of these negative items. I believe I have been a victim of identity theft and this misinformation on my credit report has been affecting me terribly. My information was also compromised during the Equifax data breach.
Consumer complaint received 2016-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (DE)

XX/XX/2014 I moved. I paid my final bill with XXXX. XXXX sent a collection notice for this several months later. I contacted them and explained that this was paid. The service person said that they ( XXXX ) had system troubles during that time and that she would clear this up and remove the collection. 
XX/XX/XXXX I received the attached collection notice for that amount. I contacted XXXX and spoke to " XXXX '' who assured it would be handled. 
Southwest Collections, the agency, has since been calling me offering to settle the account WHICH I ALREADY PAID. 
I want this removed from collections and I want southwest to delete it from my credit file.
Consumer complaint received 2020-09-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Resources, Inc. (AZ)

It is the second time since I refinanced my mortgage with AFR. Since I got my very first statement, I tried to register my account on their website ( provided in the statement ) to set up automated monthly card payments. I keep getting " No Records Found-Error '' and unable to register my account. I have called AFR multiple times, spending at least five hours total on hold. I was told by at least four representatives that my problem will be resolved in the next 48 hours. During each conversation they prompted me to pay by the phone which I don't like doing. Still, after two weeks that my issue hasn't been resolved, I paid by phone. Now, a month later, I still am unable to register my account. I refuse to have to call AFR every month to make a payment and not have access to online payments as they state to view the status of my loan and set up automated payments. This is blatant disregard for the services they are meant to offer as a loan servicer.
Consumer complaint received 2023-08-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (FL)

XXXX XXXX XXXX... My ex business partners opened this card in my name fraudulently to get funding for XXXX XXXX XXXX. They defaulted on our agreement which makes it fraudulent. I took them to court and they defaulted on the court order! I talked to the creditor and all 3 credit agencies to remove it from my credit reports but they all said it wasn't fraud and it stayed on my reports even with evidence of my court case against them? My ex business partners ruined my credit and this was 1 of 4 credit cards that they opened in my name fraudulently.