davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL (NV)

XXXX XXXX Card by XXXX XXXX did not communicate with all three credit bureaus within 30 days of receiving any of the two letters sent to you that the item in question was in dispute as per the Fair Credit Reporting Act. As proven by my most recent credit report from all three credit bureaus. 
I have disputed a debt and you have failed to report it as disputed with the credit bureaus. 
Protection under the Fair Credit Reporting Act. ( FCRA 623 ) If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. This identified by an informational line about the dispute added in the comment section of the item on the credit report. Section 623 ( a ) ( 3 ).
Consumer complaint received 2016-04-20
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AFNI INC. (KY)

i recently pulled my credit report and discovered that this company has reported that I owe them an un paid debt to. To my knowledge I have never entered into a contract with this company that would obligate me in any way nor have they provided me with any services or goods
Consumer complaint received 2020-06-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Genessee Financial (MN)

Information has not been promptly received or reported to all 3 credit reporting agencies. 
There should be to 2 car loan trade lines on my credit report. There should be reporting for XXXX and XXXX. With full payment records.
Consumer complaint received 2018-12-01
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A. (CA)

I opened a checking and savings account in XX/XX/2018 that had a {$400.00} promotional offer if I kept {$15000.00} in my accounts for 60 days. The money was deposited on XX/XX/2018 and I should have received the bonus in 90 days when the terms was met on XX/XX/2018. It has been past the 90 days and I have yet to receive my promotional offer. I filed an appeal XX/XX/2018 and it still has not been resolved.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (FL)

ON XX/XX/2024 I WAS RETURNING FROM AN OVERSEAS TRIP. WHILE I WAS OVER SEAS I SAW A TRANSFER FROM XXXX XXXX WITH MY ATM CARD. WHEN ARRIVE HERE IN XXXX XXXXXXXX I WAS DETAINED FOR XXXX HOURS AND MY CELL WAS TAKEN FROM ME, AS OF TODAY I HAVE NO RECEIVED MY CELL BACH ALTHOUGH NOTHING ILLEGAL WAS FOUND AND THEY SENT XXXX LETTERS TELLING XXXX THO SING AND RETURN IT TO THEM I TOOK ME ABOUT XXXX WEEKS THAT I DID NOT HAVE A PHONE. MY MONEY WAS SENT TO XXXX XXXXXXXX XXXX XXXXXXXX IN XXXX XXXX. 
I DO HAVE A FRIEND NAMED XXXX XXXX XXXXXXXX XXXX LIVING IN XXXX, XXXX PLEASE LOOK A THE SIMILARITIES IN THE NAMES OF THE RECEIVER XXXX XXXX JUST CALL ME AND TOLD ME THAT I HAVE LOST MY MONEY XXXX XXXX DID NOTHING TO HELP ME THANKS I HOPE YOU CAN HELP ME
Consumer complaint received 2021-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (TX)

I have been billed for a Premium credit monitoring service provided by Experian at {$27.00} a month for the past 3-months. I have not used the services and was unaware of the charges. When I called Experian to question the billing and request a refund for the past 3-months, I was told they would only grant 2-months refund. I want all 3-months refunded to my bank account. Additionally, I want the service canceled. 

I am having a difficult time financially due to COVID-19 and it is unfair for Experian to take advantage of consumers during this time. As I have stated, I was not aware of the premium service, did not authorize these charges, and have not used the service. I ordered a basic service from them previously with my bank card. Experian used that bank card to bill me each month without my consent or knowledge. 

Sincerely, XXXX XXXX Experian Membership No.XXXX
Consumer complaint received 2024-05-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (LA)

My student loans were removed from my credit for about 3 years and they randomly reappeared. I have since purchased home etc without this on my credit. 

I was told my one of XXXX XXXX loan officers that that is illegal because my credit report would be falsified. Im currently with Nelnet and Im not sure where to go from here
Consumer complaint received 2024-03-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Wilber and Associates, P.C. (TN)

A letter was sent to my addresses stating that i owed XXXX. No information was given as to where this debt came from, when I requested debt validation documents, I received another letter stating that they submitted a subrogation claim to my state driving services. No validation documents have been received as of XX/XX/2024. I sent those documents Friday XX/XX/2024
Consumer complaint received 2024-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc. (CA)

I don't recall having a contractual relationship with this collection company THE BUREAUS. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-03-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Recovery Services, Inc. (MA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I have never lived in Texas. 
Collection from XXXX XXXX at XXXX XXXX XXXX XXXX, TX XXXX from the company XXXX XXXX XXXX XXXX, XXXX XXXX account ending in XXXX for {$940.00}. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX from the company XXXX XXXX XXXX XXXX account ending in XXXX for {$1900.00}. Also, theres these addresses as if I have lived in Texas : XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, XXXX. I have never lived or been in Texas and I dont know anybody in Texas . I have only lived in XXXX XXXX XXXX  and in XXXX, MA and currently XXXX, MA.
Consumer complaint received 2024-03-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Merchants Acceptance Corp (MO)

I recieved a credit alert and realized someone ran my credit. I called the company that ran a credit check. I called roughly XXXX to ask why a credit check was done. The individual on the phone said they are trying to sue me from an old debt regarding a vaccum cleaner. I told them that they must be mistaken because I have no such debt. That is when the man on the phone told me the company did this exact thing before back in XXXX to which I also called asking why they ran my credit!? He told me that I said the same thing, the debt wasn't mine and I don't know where this is coming from. He then tells me that they plan on taking legal action sueing me for a debt that I dont even know when it started but that is AT LEAST 8 years old.So now I am extra confused for the fact that mutiple times I have told them I did not have this debt, that it is fraud AND this is more than 8 years old? They have my contact information and mailing address but I have never one recieved anything from this company. I have only ever reached out them regarding them running credit checks and fruad.
Consumer complaint received 2024-03-11
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company (KS)

I took out a loan In the amount of {$500.00} from this company I have been under financial hardship and was unable to make the first payment Before the next payment my employer received a notice of demand And a voluntary wage assignment form And a voluntary wage assignment form That stated I executed the form which I did not it gave a bogus IP address The copy of the wage assignment that was sent was dated XXXX XXXXIt states that electronically signed it I tried to get onto the websiteRead the original loan agreement it will not let me on the website I have XXXX copy of the original loan agreementThe amount that they say I owe now is {$730.00} A third party debt collectorXXXX XXXX is you sent the notice of demandOn XX/XX/XXXX I sent a notice Of revocation of wage assignment a cease and dissit to XXXX XXXX and crane finance they received documents they sent a wage assignment release. Today monday they are calling my phone texting me and sending emails saying they are taking XXXX out of my account. They acknowledged receiving the revocation of wages assignment. The cease desist notice was send with the revocation I spoke with an attorney the attorney advised me that this loan is an illegal loan. These are predatory lenders. This was a tribal loan
Consumer complaint received 2024-01-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2016-05-07
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

The exact option for filing this dispute is not listed in the drop down menu above. This company is inaccurately reporting as the original creditor/lender on the XXXX credit reporting agencies. This is inaccurate information, they are a debt collector not a creditor. I have made attempts to have this information validated and updated/removed and have received no formal response to any letters I have mailed in.
Consumer complaint received 2016-09-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (MA)

I was on a call with Navient Rate Reduction team speaking to XXXX XXXX. During the call I ask if she could relook at my account to see my options again about being on the rate reduction plan. I asked informative questions and with getting minimal response back I asked her to explain in more detail and to help me better understand. The amount of the payment plan had increased from last year and she stated that the interest rate would not change from last year. But mathematically it was not adding up so I asked her to please explain in detail, to have me better understand the break down. Eventually she became overly aggressive. After several times of stating that I was not trying to frustrate her I was just trying to get clarity her aggression heightened. She then with anger told me that she was getting her supervisor to speak to me. I restated that there was no need to be aggressive and her response : " I am not being aggressive you 're just not accepting my answers. '' Again her " answers '' were not informative. XXXX of her " answers '' during the call when I asked her to verify the breakdown she claimed that the private lender can " change how they do things simply because! '' How is that a legitimate answer to a question regarding a breakdown and what factors are included in this calculation of this " rate reduction plan ''. 
The call was unprofessional and my questions regarding my private loans still remain unanswered.
Consumer complaint received 2024-03-11
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Lendmark Financial Services (VA)

LENDMARK XXXXINANCIAL I have called them spoken to them even tried to settle up to see what I could do to clear up this matter. Its on my credit report. I have filed several disputes and nothing has happened. I need this removed from my credit report
Consumer complaint received 2024-03-11
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (GA)

I disconnected XXXX ( XXXX ) XXXX landlines, cable TV, and Internet services in the summer of XXXX when I moved to a new address, At the new address, I opted for XXXX to provide me with Internet service. Every month all my bills for the previous address to this telecommunication company were paid on the due dates. As a result, there was no balance. 

A few weeks later, XXXX requested me to return its equipment, so I drove XXXX miles and returned it at its store, and was given a receipt for it. In the next few days, I received an email from XXXX that had got the equipment from me. However, I started getting notices and calls from XXXX that I owed {$110.00} for the equipment. Therefore, I contacted the FCC about the issue. Within a day, XXXX XXXX from the XXXX Executive Care Team contacted me and told me that he would investigate. In the next couple of days, he called me and told me that they no record of the return of the equipment but as goodwill his company was mitigating the charges against me. However, phone calls and demand letters continued until I got a collection letter, dated XX/XX/XXXX, from XXXX XXXX XXXX XXXX. I replied to them on XX/XX/XXXX, emailing a copy of it to XXXX XXXX. ( He failed to respond. ) Then, XXXX weeks ago, I received another collection letter, This time the demand note came from Eastern Account System of Connecticut, LLC, seeking {$110.00}. I am replying to this collector under today 's date ( XX/XX/XXXX ), with a copy of it to be emailed to XXXX XXXX, denying owing the alleged sum. 
Categorically, I do not owe anything to XXXX, XXXX, Eastern Account System of Connecticut, LLC, or any of its agents.
Consumer complaint received 2024-03-10
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC (MN)

I have been dealing with this for over a XXXX  on my report, and I've done everything with in my power to resolve this and explain to these companies that this debt does not belong to me although my first and last name my be common. I will provided the settlement from Ability Recovery Services as well as police reports, ftc reports etc. Showing proof that this was a result of identity fraud. This accoount from the original creditor XXXX XXXX a school I never attended so I want this removed from my consumer report from all XXXX bureaus and compensation for the time that was waisted. I don't want to keep sending dispute letters for I have done that all to end up having to get a lawyer which I can't afford. If you refer to previous disputes which I made throug this portal their will be more proof.
Consumer complaint received 2024-03-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Halsted Financial Services, LLC. (SC)

Halstead Financial Group is harassing me over a debt that they know they can no longer pursue and even admit they can not pursue it but still constantly call and email that I am going to be served by the sheriff and that I I'm delinquent. It is ridiculous that they email and call constantly. I want them to immediately desist harassing me and stop all contact and action should be taken for them pursuing a debt that they know can not be collected on!!
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SMITH, ROUCHON & ASSOCIATES, INC. (LA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. I demand this company to delete this account from all XXXX credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney. XXXX Account I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. I demand you to remove this account from all XXXX of my credit reports asap or i will file litigation against your company for furnishing a false account on my credit report. 
opened date : XX/XX/year> balance : {$2200.00}
Consumer complaint received 2024-03-09
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Madison Management Services, LLC (PA)

I purchased my home in XXXX. I was approved for 2 mortgages. My first mortgage is currently in good standing. This is about the 2nd mortgage. During the Housing Market Crash of XXXX, I approached my attorney and applied for the Home Affordable Modification Program ( HAMP ). I was approved for the program. I was able to, consolidate/refinance my 2 mortgage loans into 1 mortgage loan. XXXX XXXX was XXXXne of the mortgage companies involved at the time. I was notified my monthly mortgage payment would be {$1400.00}. For several years, I paid $ XXXX to my mortgage company ( under the impression both loans were consolidated into one loan ). No one contacted me to let me know the 2nd mortgage was never settled. In XXXX, I suddenly got a notice from Madison Management Services. They threatened to sue me and foreclose on my house if I did not pay the " XXXX mortgage '' amount of {$220000.00}. They were very aggressive with how they pursued me. They said, " If you can not pay {$220000.00}, we are willing to settle everything with you for {$25000.00} and then we will go away. '' I am going through a very hard time financially right now as a self-employed carpenter. I make enough money to pay my current mortgage and utility bills. I do not have the funds to fight them. I accepted what they threw at me after their threats and harassment. They want me to pay $ XXXX on {$95000.00}. The terms include if a payment is made after the XXXX of every month they have a right to charge me a {$25.00} late fee. I inquired about whether or not the principal would go down if I made biweekly payments- they said " no. '' I have done my best to make my payments promptly but now I am going through a financial hardship, Madison Management Services is unwilling to work with me and instead of contacting me to lower my payments or settle the debt to an amount I can afford, they have contacted a local attorney who has sent me several letters ( including certified letters ) and my information has been distributed to random strangers who continuously call me and ask me if my house is for sale. They have threatened to foreclose on my house due to an outstanding amount of {$1100.00} ( with late fees ). The actual amount without late fees is {$1000.00}.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BMO Bank, N.A. (MD)

Over the pas XXXX years I have discovered that on every occasion where I applied for credit that there was more than XXXX hard hit on all of my credit reports. I believe in the national scoring system, but its the national banks that abuse the inquiry process. There should never be more than XXXX hard hit per application. Therefore, I must submit my complaint through the Consumer Financial Protection Bureau. This attached complaint makes a request not only for the original inquiry, but but all inquiries collectively as a basis of fairness. There should only be XXXX hard hit inquiry per application. DELETE THESE INQUIRIES!!!
Consumer complaint received 2024-03-09
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (GA)

Every month for a year the company called pdf simple took out XXXX since XXXX XXXX XXXX. My bank refused to give me my money back from multiple transactions I did not make. I tried calling the company that it was taken out of and they said they could not help because someone used my debit card to make it even tho I reported that card stolen a while ago and it still being taken out of