davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Neon Newco Corporation (CA)

Bought a Netspend realoadable card at XXXX for {$100.00} + {$6.00} fee, on XX/XX/2020. As I was moving, it sat in a box for a couple of months, & when I tried activating it, their website would not let me. I then called them & they said it had been registered under a deceased person 's SSN. Since then, they've refused ANY kind of help. They insisted in having a copy of a receipt in order to unblock the card and/or refund me. They've also hung up on me an indordinate amount of times. It's taken me nearly 2 yrs to finally be able to get a receipt from XXXX, and now Netspend is asking for tons of other documents that are not germane to the situation. I've sent them the receipt, a photo of the card in my possession, PER THEIR REQUEST. Now they want my SS card+proof of address+ID card+Passport copy+Naturalization Certificate+paycheck stub, bank statement, proof of government aid, and a host of other things! They are NOT a bank, they are **a licensed provider of money transfer services**. Them asking for all this information is conducive to identity theft. As of now, they are stealing {$100.00} from me & are refusing since the year 2020 to refund it or reopen the card DESPITE MY HAVING SUBMITTED COPY OF THE RECEIPT THEY HAD SAID WOULD BE THE ONLY DOCUMENT THEY NEEDED.
Consumer complaint received 2022-03-05
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: Experian Information Solutions Inc. (IL)

I have two accounts that were used fraudulently in 2018. I filed a police report when my wallet was stolen. I have sent 7 letters of dispute including my state id, FTC Identity Theft Report, copies of the police report, and my social security card. This information should have been blocked under FCRA, and after a year and a half of sending certified letters regarding a XXXX XXXX XXXXXXXXi TotaXXXX XXXX XXXX. FCRA says information needs to be blocked in 5 days of receipt of the packet being sent certified mail. The XXXX XXXX XXXX verify it every single time, and nothing gets removed despite being a victim of theft. Experian sends me a letter over the last 6 times sending a packet saying they want me to resend the same exact packet of information which is so frustrating. I filed a complaint with the CFPB, and they sent it back to be verified to XXXX XXXX instead of resolving the issue. If I do not get a resolution from XXXX, I will file with the Illinois State Attorney and a small claims case in XXXX XXXX. 

I demand that information be blocked. 

Total notated " lost or stolen '' in the consumer statement section. This is unacceptable.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

After receiving the XXXX card I tried to set up an online account. I was unable to do so. I also had not received a bill in the mail. I tried calling customer service on my lunch break a few times but the wait time was too long. On XX/XX/XXXX, when I finally had a day off I tried calling again. Unfortunately my first payment was past due by this time. I explained to XXXX XXXX in customer service ) that I was not able to set up an online account. After helping me He realized the system had my social security number wrong. He informed me that my account would be locked and I could make a payment in 3 days. He also removed the late fee of {$25.00} because it was their error. On XX/XX/XXXX I made a payment of {$30.00} because that was the minimum amount. I thought the account was fine. I still had not received a bill and being confused from the account being locked, I didn't realize the system expected another payment on the 3rd for {$55.00}. I got an email about the late payment. I tried speaking with customer service twice, but to retaliate against me they refused to help with the late fee. I paid {$35.00} on XX/XX/22 and on XXXX {$40.00}. A manager named XXXX rudely told me that I Didn't seem to have a problem using the card for purchases.
Consumer complaint received 2022-04-26
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: STERLING JEWELERS, INC. (TN)

I never received any information about a payment being missed. I checked my credit reports and noticed that my payment history was less than 100 %. On my credit report it says that my most recent late payment was XXXX XXXX ago. This situation is really affecting me personally when trying to buy a house or a car and Im being penalized for a mistake that wasnt my fault. I mailed two letters to them explaining the situation and they said that they couldnt do anything to remove the late payment from my credit reports. They claimed that it was 30 days late and from my records, Ive never missed a payment. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-05
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: FIRST PORTFOLIO SERVICING INC (IL)

I have two accounts that were used fraudulently in 2018. I filed a police report when my wallet was stolen. I have sent 7 letters of dispute including my state id, FTC Identity Theft Report, copies of the police report, and my social security card. This information should have been blocked under FCRA, and after a year and a half of sending certified letters regarding a XXXX XXXX XXXX XXXXXXXX XXXX XXXX. FCRA says information needs to be blocked in 5 days of receipt of the packet being sent certified mail. The XXXX XXXX XXXX verify it every single time, and nothing gets removed despite being a victim of theft. XXXX sends me a letter over the last 6 times sending a packet saying they want me to resend the same exact packet of information which is so frustrating. I filed a complaint with the CFPB, and they sent it back to be verified to XXXX XXXX instead of resolving the issue. If I do not get a resolution from XXXX, I will file with the XXXX XXXX XXXX and a small claims case in XXXX County.

I demand that information be

blocked. Total notated " lost or stolen '' in
the consumer statement section. This is unacceptable.
Consumer complaint received 2022-03-05
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. (CA)

I have been disputing with XXXX, Transunion and XXXX 3 fraud telephone accounts on my credit report. XXXX XXXX, XXXX XXXX XXXX all reported lines open under my name after my wallet was stolen with all my personal information. I sent them copies of my police report and have disputed it over 4 times with each creditor, as well as with the companies. All claim to remove it but it is still showing up as a derogatory mark on my credit. When I call them they sometimes claim they cant even find me in the system, not even as a fraudulent account. I have paid credit repair companies to try to get it resolved, but it takes so long i can't continue to spend money for a fraudulent account. This has been going on with all 3 companies for the last 4 years, I have spent hours and hours on the phone, submitted police reports and proof of my stolen identity without this getting resolved.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

The Experian, XXXX and XXXX data breech has caused a case of identity theft with the accounts listed. The bureaus wrongfully put a debt on my credit report that is not authorized by XXXX XXXX . I have submitted an affidavit of truth, along with identity documents These accounts are due to identity theft. These accounts are not mine. I have uploaded and filed ID theft report with FTC and will pursue legal action for slandering my Reports. I am requesting, under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 USC section 1681i, that you investigate these accounts. 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts were opened fraudulently : Disputed Account : XXXX XXXX Account Number : XXXX Disputed Account : XXXX  XXXX Account Number : XXXX Disputed Account : XXXX XXXX  Account Number : XXXX Disputed Account : DEPT OF EDUCATION/XXXX  Account Number XXXX
Consumer complaint received 2021-09-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (RI)

On XX/XX/XXXX at XXXX XXXX I spoke with someone about the annual fee being {$130.00} dollars so I was going to decline the card. Whoever I spoke with said they would take {$90.00} off the annual fee. On XX/XX/XXXX at XXXXXXXX XXXX I called back because the fee was still there. I told them to listen to the call on XX/XX/XXXX. I'm not sure if they did, but on XX/XX/XXXX the fee was credited back. I didn't use the card for a long time but when I did they put the fee back. This was XX/XX/XXXX, almost 2 months later. I have called about it and they said the fee was put back on because I closed my account on XX/XX/XXXX, which is completely false. I have all the statements showing my available credit.
Consumer complaint received 2022-03-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP (TX)

US Bank Credit Card services has failed to update my account with the {$500.00} payment that I made on XX/XX/22. The {$500.00} was drafted from my bank account on XX/XX/22 and yet US Bank still has not applied the payment to my balance.
Consumer complaint received 2022-06-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: NAVY FEDERAL CREDIT UNION (OH)

I entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/2021. It is a fact that I extended my social security card to Navy Federal Credit Union : which is ; Pursuant to 15 USC 1602 ( l ) any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 

Furthermore, a finance charge was involved. Congress told me that a finance charge pursuant to 12 CFR 1026.4 ( a ) is the cost of consumer credit as a dollar amount, it does not include any charge of a type payable in a comparable cash transaction. In brief, pursuant to 15 USC 1605 a finance charge is the sum of all charges, and because I know what a finance charge is.

1. I should not have been receiving bills through interstate commerce, 2. This credit card should not have been closed, by these people. 3. This is classified as Unauthorized use under federal law. Furthermore, 4. I should not have been denied credit twice, which constitutes discrimination. Lastly, they should not have furnished this experience that we have with each other on my consumer report without my permission per federal law. This constitutes fraud and Identity theft under federal law and I have XXXX the XXXX off, this XXXX!!!!!! and wrong!!! 

Although I have sent them a cease and desist letter, They are still contacting me and reporting on my consumer report. In addition, I requested verification of this account and they have failed to do so. This company has damaged my reputation, my health, and my mode of living. Navy Federal Credit Union is in violation of the detailed subchapters of TITLE 15 USC CHAPTER 41.
Consumer complaint received 2021-09-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Monterey Financial Services LLC (NJ)

Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation.

If they are saying it is verified then where's my proof? What methods are you using to verify?
Consumer complaint received 2021-09-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MD)

XXXX called from XXXX ( on behalf of Citibank and Macys ) to collect a late payment from me. I explained to XXXX that I made the payment and he said I made it too early and it did not count towards the billing cycle. I was assessed a late fee due to this. I asked if he could waive the fee since it should have counted towards the billing cycle. The total negative balance was {$100.00} and a late fee for {$29.00} was charged. I told him that was about a 30 % charge on the debt. He said it was policy and he couldnt waive it. I reiterated that Ive never heard of being penalized for an early payment. I explained to him that for some reason I dont receive mail from Citibank but seem receive mail from everyone else. He said that he doesnt see any issue. XXXX employee number XXXX. I asked XXXX to provide me the address so that I could file this complaint and he said he was not allowed to provide that information to me.
Consumer complaint received 2021-10-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (IN)

This company put a false inaccurate account on my consumer report and then when I submitted a complaint about it they removed it from my account. then they started sending me emails and put it back on my consumer report 2 weeks later. I do not know this company I do not have a contract with this company I never gave this company permission to contact me in any way. they are constantly harassing me. I sent out a notarized affidavit along with a cease and desist, original dispute were the account was deleted by them the first time, Communication stating I owe a debt, I sent a letter showing they bought the alleged debt and an invoice with the violations they have committed.
Consumer complaint received 2022-02-24
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. (FL)

Someone took out a XXXX credit card in my name. The bill was coming to my home this was around XXXX for {$200.00}. I didnt open the bill because I assumed it was my sons bill who is a XXXX. I called XXXX fraud protection but they could not help me because someone was paying the bill up until XXXX. I pay my credit card bills, so {$200.00} which turned into {$700.00} plus. Now this is on my credit as a charge off. I asked for proof of me having this card, which they could not prove but put this on my credit. I need this removed as I have tried to dispute this. I have never took a XXXX credit card especially for {$200.00}.
Consumer complaint received 2021-10-04
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: CURO Intermediate Holdings (TX)

IF THE BUREAUS FOCUSED MORE ON PROTECTING THE WRONG INFORMATION FROM BEING REPORTED AND ACTUALLY CONDUCTED PROPER INVESTIGATIONS I'M SURE PEOPLE COULD GET A LOT FURTHER, BUT WHY WOULD THEY DO THAT WHEN THEY LITERALLY PROFIT FROM EACH DISPUTE!
Consumer complaint received 2021-10-04
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: World Acceptance Corporation (TX)

IF THE BUREAUS FOCUSED MORE ON PROTECTING THE WRONG INFORMATION FROM BEING REPORTED AND ACTUALLY CONDUCTED PROPER INVESTIGATIONS I'M SURE PEOPLE COULD GET A LOT FURTHER, BUT WHY WOULD THEY DO THAT WHEN THEY LITERALLY PROFIT FROM EACH DISPUTE!
Consumer complaint received 2022-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

In accordance with the fair credit reporting act XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ; has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2021-09-22
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NJ)

XX/XX/XXXX took out leased vehicle from XXXX XXXX XXXX in NJ, financed thru XXXX XXXX ( aka XXXX XXXX  ). my monthly payments were XXXX from my Bank. XX/XX/XXXX had to file Chapter XXXX since Pandemic caused my Bank to close for a few weeks, was not able to pay bills, except by phone which was done for XXXX XXXX, even thru thr Chapter XXXX <NO PAYMENTS WERE EVER MISSED,, All payments to date have been on time, Had signed a reaformation with them. They have deceided NOT TO REPORT my credit payments to any agency. I have called them repeatedly, get some XXXX with an attitude, tough luck we are not going to report to credit agencys, Experian credit was sent a dispute, never answered, just sugest takinh there Boost service @ {$19.00} per month. Only Experian has my score low, since I wont take Boost service, XXXX XXXX XXXX have my scores in the mid XXXX, buut dont show XXXX XXXX XXXX only XXXX shows my XXXX XXXX XXXX. My lease Expires in XXXX of XXXX, this will have been my 6th lease with XXXX XXXX. Yes I have complaned tothem, but told itd a Bank issue, XXXX XXXX  will not help in any way its a seperate entenity not controled by the Bank. The dealer was informed & could do nothing, was told by dealer get a Lawyer, unfortunately my layer has pass away due to XXXX  dont know where to go from here
Consumer complaint received 2021-09-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Franklin Collection Service, Inc. (NV)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-09-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Telerecovery Corporation (TX)

I looked at my credit report and saw Telercovery ( XXXX, Louisiana XXXX ) is reporting I never paid my bill. I have proof from hospital and doctors I paid them in full and XXXX XXXX is reporting the medical bill/debt to Telerecovery. 

I contacted XXXX XXXX XXXX and asked for proof that I owed money and why they were sending in medical bills to a collection agency and they assured me that they do not do that. 

I have requested proof of medical debt that is not paid and have not received anything. This is greatly impacting my credit and need to take action to fix that for financial prosperity purposes.