davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-02
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK (GA)

I contacted " XXXX '' for pest control services for mites that are in my house. For about 3-4 years I have had problems with these insects and used various pest control companies. to apply chemical application, which did not rid the house of this pest. Tech from " XXXX '' came by and performed inspection and sold me the idea of " Thermal Heating '' a service that was " Guaranteed '' to kill all nuisance ( mites ) insects in the entire house.. The price for this service was expensive, but for the results guaranteed, I was willing to spend the money required : {$1000.00}. Note : This insect has caused me and others ( validated by medical records and individuals that have visited my home ) health problems and over the years had to stay in hotels at various times to regain my health to go back to my home. In paying for this transaction, I used my DISCOVER card to pay for this service. In retrospect the " Thermal Heating '' did not work, resulting in me going to hospital for XXXX and hotel stay. Contacted the company " XXXX '' immediately on problems and for several days did not respond. I had asked prior to service the warranty and was told they warrantied there service and guaranteed their work. Finally they sent a Field Manager out to review the property and I met with her and offered her a bug glue trap to take and have it looked at by an scientist of insects to perhaps validate the bugs on the trap. The trap was taken and to date have not gotten any results of the trap, followup call on warranty service ( re-do ) or any plan of action for resolving this matter. So after the first week of contacting said above company on this matter, I contacted Discover to dispute this charge. I sent Discover pages of documents per the ( FCBA ) to validate charges for goods or services not delivered as agreed, services not given as described and finally " Warranty '' for services promised but not delivered. Discover sent a vague letter XX/XX/XXXX, that they could no longer continue this dispute, unless I had additional information. XX/XX/XXXX, I sent additional information, disputing this charge. In validating legally the infractions this company made per this service I contacted the State of Georgia Agriculture Department who licenses this service, who reviewed the file per my case and wrote up XXXX violations by " XXXX. '' In the meantime, I received another note from Discover ( in my account file ) that in turn stated that they would not reverse the charge. I called Discover and told them of the State findings of violations and would it make a difference to send it to them and would they re-review the case and the agent stated yes. To Date, they have not and still are demanding a payment on this account immediately. Discover has not to date disclosed " why they will not reverse the charge '' specifically in writing ; nor given me any documents validating their decision,.,
Consumer complaint received 2016-05-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: ALLY FINANCIAL INC. (AZ)

I have a DO NOT CALL on my file with Ally Financial. I received a Call from a representative who is assigned to my account. He must have realized afterwards of his mistake their was no message left. I called back spoke to a very pleasant representative named XXXX XXXX I immediately told her I received a call. She advised me it clearly is marked on my account DO NOT CALL. She did n't try to sugar coat it or make any excuses. She apologized for that being done. As she knows this was a clear violation of FAIR DEBT COLLECTION PRACTICE ACT. She asked me if I would like to speak to the representative handling my account. I said yes, he was unfortunately was n't available. So I opted to speak to his supervisor so he would speak to his rep as a coaching opportunity. The call was transferred to his supervisor XXXX. XXXX came on the phone his tone came across as if I was interrupting him from something more important. I began to explain that I was called when I should n't have been. Supervisor XXXX stated very un-professional and not never apologized for this mishap. He stated he would speak to his rep. Wow! Then he went on to discuss my account which there was n't any need to do so since I was just given a 2 month deferral. I told XXXX my XXXX payment is set to come out on XXXX/XXXX/16. XX/XX/XXXX and XX/XX/XXXX payment was deferred. He starred he sees that. There was n't ANY REASON to go over it because I was calling in about your EMPLOYEE! XXXX tried to tell me with the deferral was approved but this will still effect my credit. I told him I know I got a XXXX day for XXXX, And I will have a XXXX for XX/XX/XXXX since my payments are due XX/XX/XXXX. I told him once the payment post my account will be current. XXXX tried to tell me my deferral wo n't be processed until XXXX/XXXX/16 even though my payment is set up to come out on XXXX/XXXX/16. I will get hit with ANOTHER XXXX credit marker on XXXX/XXXX/16 when my deferral will be processed???!?! How is that possible when I just got THIS MONTH XXXX day credit marker TODAY. He told me if I do n't care about my credit then that 's on me. First if all I had a PERFECT account for 20 months..I 'm sorry but my mother almost XXXX XXXX I had to fly back to XXXX. So things/life do happen. Everyone at Ally had been wonderful EXECPT XXXX. It scares me that he is giving out INCORRECT INFORMATION. Especially since Ally just paid out on their class action lawsuit. I believe XXXX was in violation on XXXX XXXX XXXX XXXX! I 'm by LYING about getting hit with another credit marker. How can you get hit with XXXX credit markers in the SAME MONTH.
Consumer complaint received 2016-09-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (TX)

Upon moving from Oklahoma, I canceled my cable service with XXXX XXXX and returned the equipment to their local store location. I paid the final bill in full and all was to have been finished with the cable provider, XXXX XXXX. To my surprise, I receive a bill in the mail from the cable company saying I owe them for an unpaid balance on the account. After many phone calls it was settled as an oversight of payments due to XXXX files being created for my cable account. The amount was actually a credit of {$93.00} and was refunded to me in a check. However, XXXX XXXX sold the balance as a debt leading to issues with a collection company XXXX XXXX XXXX for a debt of {$93.00} from XXXX XXXX. After filing proof of the credit and pay off of the balance with CFPB that debt was to have been removed from both the debt collectors system on XX/XX/2015 at XXXX as well as XXXX XXXX XXXX. Recently, I received a collection notice in the mail from a new debt collector IC Systems trying to claim the same debt for XXXX XXXX in the amount of {$93.00} when there is no actual debt to collect. Enclosed is a copy of the refunded check from XXXX XXXX and a Copy of the Notice of Collection from IC Systems.
Consumer complaint received 2015-04-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (GA)

XXXX XXXX XXXX XXXX, Ga XXXX XXXX MAIL, RETURN RECEIPT REQUESTEDNO. XXXX CollectionEnhanced Recovery Company LLCXXXX XXXX, FL XXXX : XXXX or XXXX account # XXXX Dear XXXX : I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. Rather XXXX owed me a refund. Furthermore, Please refer to my certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX under article # XXXX XXXX XXXX XXXX XXXX and XXXX certified letter sent to XXXX and received on XXXX/XXXXXX/XX/XXXX which XXXX failed to response and resolve the matter on timely manner. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 
Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ). 
Thank you for your attention to this matter. 
Sincerely, XXXX XXXX
Consumer complaint received 2015-12-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: DISCOVER BANK (MD)

My private student loan was originally serviced by what is now, XXXX XXXX XXXX. It was sold over 4 years ago to Discover Student Loans. When it was first sold I noticed the payments were {$100.00} more than the original payment with XXXX XXXX. My current monthly payment with Discover is {$370.00}. I can not pay that. I have told them repeatedly by phone and email, the payments are too much. I have asked if they could lower the monthly payments or refinance the loan to lower the monthly payment. My emails either went unanswered or I was told I have no choice but to pay it, as I had used all of my forbearance. The last email I sent was after a threat AGAIN, telling me the loan was in at risk of being default and that payment must be made or they will escalate it. I emailed the Director of Operations and to beg for his help and to explain what was happening, to this date I have gotten no response. AGAIN. I spoke to a supervisor who I thought would help that turned out to be the most combative conversation I ever had with a customer service agent. I can not live like this under constant threat, I am not refusing to pay them I just want to find a way to lower the payment. I have XXXX other student loans XXXX with XXXX XXXX which is currently on a reduced payment plan, from {$560.00}, approx. down to {$280.00} ( XXXX loans combined ) per month. I also have another smaller loan which is about {$50.00} per month. Discover is the only loan I literally can not pay and that is a problem. I am constantly given the " politically correct '' explanation on how they can not reduce the rate, the length of the loan etc, they explain that XXXX XXXX and others have alot more freedom than they ( Discover ) do to administer student loans, if that is they case why are they even allowed to offer student loans. I am not asking to not pay them I am simply asking to reduce the monthly payments. I even proposed a lower monthly payment of about {$250.00} for about three months, until XX/XX/XXXX, and in XXXX 2015 I would be able to bring account current then, Rejected completely. I need help in talking to these people. 

I have recently restarted my job search,
Consumer complaint received 2018-05-30
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: WELLS FARGO & COMPANY (CA)

I have been trying to get Wells Fargo Home Mortgage to acknowledge and change inaccuraries being reported on my credit report. I have start writing to them as early as XX/XX/XXXX and most recently sent them another letter on XX/XX/XXXX ( see attached including excerpts from two loan items - XXXX and XXXX. The former continues to show a 30 day late payment status which is impossible as this loan was paid off and is showing a XXXX balance ... .Reporting must be 100 % accurate under the FCRA. 
The second account also shows inaccurate a 120 days late payment status with a XXXX balance and a comments section showing that the loan was paid off with less than full balance. This is not accurate and I have been requesting an accounting to prove up their reporting.
Consumer complaint received 2019-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

I ordered a " XXXX XXXX XXXX XXXX XXXX '' from XXXX, XXXX on XX/XX/2018. It worked for a short while then started having issues. After troubleshooting the issue I contacted XXXX, XXXX regarding these issues and had to send it back to them for service. After receiving it back, it was in worse condition. At this point, my purchase was after 30 days but within 90 days, so I contacted Citi Card Benefits on XX/XX/XXXX with all the documents they requested to initiate a 90 day return protection claim for a refund {$300.00}. After the initial contact, I contacted every 15 days to figure out what the status was. It took them until July 18th, 70 days later, to get me instructions on sending the item to them. I sent the item to them in the original packaging and using the original shipping box XXXX, XXXX used. 16 Days after I sent it, on XX/XX/XXXX, then sent back a reply claiming I did not send them back everything and that power cord, software and two screws were missing. I replied back stating the I had sent everything XXXX, XXXX had sent to me. I did not receive a response back and received back the printer a short while later, poorly repackaged and in worse shape. There were four screws missing, the extruder was detracted, the power cord was not in the box, and the metal frame connecting the exturder and fans to the belt was bent. The SD card containing the software was still in the box. A week later, I received a letter stating that the claim was denied due to missing parts. My attempts to contact the Citi Card Benefits have resulted in promises on a call back, with no call back.
Consumer complaint received 2016-10-26
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CA)

My wife and I are separating and we want to remove my name off her vehicle lease with Ally Financial ; however, Ally wants to impose a {$590.00} fee to do so, albeit this fee or disclosure is not in writing anywhere in the contract. I mentioned this to customer support at Ally and they stated, " yes, it is not in the contract you signed. '' Since this is not in the contract that both parties agreed to, this is clearly a non-enforceable policy. I find this a breach of their own contract and an illegal attempt to collect money. My ex-wife can qualify on her own and does not need me as a guarantor. The lessee will remain the same with the removal of my name. No one is being added to the lease. I do not see how they can impose this fee.
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK (NY)

A Discover card was activated after having it for 2 years I called the day before I left for vacation to activate the account everyth6was fine advised discorer we would be traveling and the dates. The card was used for gas from XXXX to XXXX no problems it was also used at a hotel and retailstore still all was fine. 2 days into the trip we went to purchase has an item and it was declined. I called and spent 20 minutes on the phone and could not get any answers as to why. I finally dander a a supervisor because a t the point now my family and I are stuck until we can get ahold of our bank to be able to use them out of state and Discover shut the he card down. The phone rep stated it was on XX/XX/XXXX when this happened yet we were able to use the card until XX/XX/XXXX. So they allowed for us to leave and use this card thinking all was fine yet the card had been shut down for days and not even any kind of notification and they let us charge on it and left us stranded and let us charge on a card that was shut down.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AmeriCollect (MN)

Americollect is on my credit report saying I owe {$1000.00} to them. I asked them to provide debt validation and they cant. The only thing they provided was a statement/bill. I got in contact with the original credit which was XXXX. XXXX stated I didnt owe them any money, further more they didnt even have me in their system. I sent a copy to Americollect and they then stated its for XXXX who supposedly is my son. That is not my kid! From my knowledge if I owe them a bill they supposed to send me debt validation not a statement/bill. I should received a contract thats between Americollect and I saying I owe them money with my signature saying I agree to pay them. I will like for them to remove that collection off my report asap since thats not my bill and they cant provide me with any type of debt validation.
Consumer complaint received 2016-03-14
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: DISCOVER BANK (GA)

XXXX XXXX XXXX continue collecting on discover account that I do not owe them because changed to cooling and winter never given proper amount owe wonder if still can collect on discover accounts since law firm XXXX XXXX is out and wonder if cooling and winter will have to go back to court for XXXX discover accounts that never that they owned and proved properly that I owed this amount they seem to have over charged me
Consumer complaint received 2017-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL (FL)

I have tried multiple times to no avail through your agency since you do nothing to correct major credit problems but file it for posterity! Once again and after multiple complaints you close Synchrony Bank  HHGregg   XXXX   XXXX   XXXX   XXXX  has posted incorrect information to my credit agency reports causing server financial harm. Their response always omits critical information and the problems are never resolved. Your agency useless but I need to file for documentation purposes. In speaking to  XXXX  she confirmed I was paid through  XXXX . I am not two months pass due and I have not paid pending a reply of correction to the prior complaints you merely filed away! I understand they ae still being investigated by the credit bureaus.     Not more than  two  payments past due  ( 2 )   - SYNCB/HH GREGG    XXXX   XXXX    2017   SYNCB/HH GREGG has flagged your account as Not more than two payments past du e  ( 2 ).    Alert Type : Potentially Negative Found On :      XXXX   XXXX       2017  Potentially Negative Alerts notify you when one of your accounts has reported information that  may  negatively impact your  credit score.      Balance spoke to  XXXX  last payment made- way  XXXX    2017  . Paid up through  XXXX . Confirmed. I then asked for an acc t manager to insure me the credit report was repaired- the same as last time. Had to hold extensively long for a manager w ho I relayed my request for resolution! I finally Reached  XXXX  a Manager- who stated I WAS UP TO DATE AND NOT 30 DAYS PAST DUE AND THAT THE CREDIT REPORTING AGENCIES CAN TAKE 60 DAYS EVEN THOUGH THEY HAVE NOTIFED THEM TO CORRECT THE ISSUE.
Consumer complaint received 2015-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I submitted over 2 months ago an original statement of Identity theft affidavit which was notarized, XXXX of the XXXX bureau 's refused to do anything without their being a police report submitted as well. Therefore I went and filed a police report and sent the FTC identity theft affidavit a second time ( certified mail to all XXXX bureau 's ) XXXX made me fill out there own form claiming that they did n't accept the FTC affidavit, and it looks like they removed stuff from my credit report but did n't block it. XXXX has come to me requesting further proof of identity XXXX the exact same thing was in my XXXX affidavit mailings a copy of my state issued ID and social security card, this is just stalling XXXX and Experian sent me a letter that they have already verified ( thats right they " verified '' fraudulent information ) and wo n't investigate again unless I submit more evidence, as if the police report was n't enough! I called the FTC XXXX and they told me with the police report all XXXX bureau 's should have removed the information by blocking and notified the companies within 4 business days according to FCRA! therefore I am filing this dispute because I am tired XXXX, I hired an online credit attorney which got me nowhere, i worked with the FTC, it got me nowhere, I filed a police report, their run-around is absolutely criminal the way they are ruining my life rather than properly removing this information! The companies I contacted asked the information be removed themselves XXXX because they noted it was fraudulent on their investigations, there is no reason at all the bureau 's should doubt my claim and it is a smack in the face that they claim to have verified it!
Consumer complaint received 2016-03-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NJ)

XXXX County Clerk is not the judgment debtor, it is state of new jersey Liability amount missing. the docket or reference number is incomplete. 
Asked several times for all accurate information. 
CRA 611-15 USC 1681 5 ( A ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly DELETE that item of of information from the file
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (IL)

I went through free annualcreditreport to get my experian report. it gave me some issue and that i will be sent a letter with report number to view. I got that letter with the report number but when i got online and punched in the number it gave me 30 seconds to view the report and after XXXX viewings it blocked the access completely. This is a joke! How can XXXX scan XXXX pages within 30 seconds before it times out!