davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Consumer complaint received 2018-10-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation (TX)

On XX/XX/2018 I applied for a XXXX  account to finance furniture from XXXX XXXX. On the XX/XX/2018 I contact XXXX  and let them know I cancelled the order from XXXX XXXX because XXXX XXXX ordered my furniture incorrectly. XXXX  agreed to waive the {$49.00} annual fee since I never received the product from XXXX XXXX, 30 days went by and I received notification from Fortiva indicating I was past due {$76.00} which is $ XXXX+ a late fee. I talked to them on XX/XX/2018 and I was told to call back in 7 days so a manager could review my account, I spefically asked if it would be reported past due and ahe said no. The account is now showing closed with a balance and past due. I would like this corrected to either closed at {$0.00} balance or deleted completely.
Consumer complaint received 2018-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MA)

I have spent over a year attempting to certify employment for PSLF. After submitting the form three times, and having my employer send a letter to XXXX, they continue to claim that my form is not complete and they can not certify my employment. I have contacted XXXX dozens of times in an attempt to resolve the problem, yet have not received appropriate assistance or a solution to my problem. It is unacceptable for a simple 2 page form to consume hours worth of my time because of a servicer 's inability to comply with student loan policies and procedures.
Consumer complaint received 2018-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A. (VA)

As part of opening two bank accounts with Citi bank, I was promised a cash bonus as part of a promotional offer. I have met all the requirements for the cash bonus. I have contacted Citi bank several times and they keep changing their tune as to when the bonus will pay out. They acknowledge I have met the bonus requirement. They have changed the date of pay-out several times. The payment is months late. Many others report getting the same run-around from this bank.
Consumer complaint received 2018-10-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (PA)

I believe I have been paying my loans every month for approximately 14 years now I have paid XXXX a month for 14 years which equals XXXX. I understand that this total does not take into account interest, etc. my loans have been transferred a minimum of 4 times by different services/lenders/consolidators, etc. number one when they are coming after you for these loans you are 21 yrs old most likely and fresh out of school. The only thing you know is that if you don't pay they garnish your wages. But since you are fresh out of school you most likely don't have the salary to support such high payments. You most likely agree to " whatever '' just to get going and pay. Somewhere along the way yo hear about consolidating so you only have one payment and these companies are not helpful. do not explain at all nor educate you on your various options and their impact. I have two loans that totaled XXXX ( back in XXXX ) and as I said I've paid over 53,000 only to be seeing a statement that says my balance owed is still XXXX ( XXXX ). I currently have a fixed interest rate of 4.75 % my entire career has been in XXXX XXXX ( XXXX ) working with XXXX XXXX, XXXX or XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, etc. I need someone or somewhere that I can trust to take a look at my loans and tell me over the LIFE of them what has been happening and where my money is going because NAVIENT my current loan servicing provider was not helpful at all. They only told me that they can see that I have a special extended payment plan that was offered to me by the Department of Education and that they are not familiar with what that is, or the terms and conditions. She was able to tell me if I make any modifications to it, I will not be able to get it back because Navient doesn't offer that.
Consumer complaint received 2018-10-29
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. (FL)

I have submitted multiple disputes to XXXX to advise the accounts listed are not mine. I have even provided a police report. The report has been damaged as I was in the direct path of Hurricane Michael but I sent what I had and they refuse to remove these accounts.
Consumer complaint received 2020-04-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Trident Asset Management, L.L.C. (LA)

Trident asset management says I have a credit card debt with total card for XXXX this account is fraudulent and its not mine .this is my sixth time disputing this account with collection company only to have it removed and sold to another company
Consumer complaint received 2023-08-01
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

i have been complaining about this debt collector for years and have no success. they have defamed by character by reporting false information on my credit report. They have threatened to sue me and is unable to prove the validity of the alleged debt. 

i am unable to provide for my family because i have been denied credit due to false information reported by this agency.
Consumer complaint received 2018-10-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP (FL)

A payment that was supposed to be for the minimum amount was processed for the full amount of my credit card balance, which put my checking account into a negative balance causing me to incur several negative balances. After speaking to several reps and supervisors about the refund I still haven't received the refund but the balance has been put back on my credit card. I have no idea when they will refund me. And the last supervisor I spoke to hung up on me and said I can split hairs anyway I want but a check will be mailed to me he also said I made a payment and didn't even have the money in my checking account to afford the payment which I mentioned was why that payment was never meant to be made in full. He also said he could see from the computer system that I made an online payment ... .that 's incorrect I ONLY make telephone payments.
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Paypal Holdings, Inc (AZ)

On XX/XX/20 I submitted a {$500.00} payment using the Venmo app which is tied to my checking account. I accidentally sent the payment to the wrong person and contacted Venmo to reverse the payment. I had to have the person that I sent to in error call in to verify that the payment was made in error and that the transaction needed to be reversed. Despite the other party verifying their identity and confirming that the payment should be reversed, Venmo still will not return the funds to my account. I tried filing a reversal with XXXX XXXX XXXX XXXX where I opened the checking account ) at a branch location but they might not have the authority to reverse the payment either. 

Venmo is not cooperating at all despite me following the procedures that they outlined to receive the money back and my bank can't help much either, so at this point I don't know what else I can do or who to turn to. My bank advised me to submit the information to you for assistance.
Consumer complaint received 2023-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am not liable for any of the accounts that I'm stating on my report. XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX  on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$21000.00}. I also have inquires that are not mine and know anything about from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and a list of companies reporting inquiries that I have no knowledge of. I do not have any contracts with any of the stated companies on my complaint. None of the companies stated above have provided me with any original contract as requested.
Consumer complaint received 2023-08-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (MA)

Citibank closed my account and did not give me all the money back. They closed my account because I deposited a check of my friend in my account. She owed me some money and I took the check as a payment of her. Now, Citibank does not want to give the money back and is asking the issuer of the check to ask for my money. How another person will be asking about my banking information? This is a confidentially violation. They can not share my information with more people.
Consumer complaint received 2020-02-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (OH)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite previous requests, items still remain on my credit report in violation of Federal Law. I filed a police report and FTC Report ( enclosed ). You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-02-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (FL)

i found a great deal from a reputable sneaker company in settle called XXXX XXXX from a website called XXXX. i pursed a pallet of 40 sneakers and paid expedited shipping for it and never received almost after the expedited shipping date that was XXXX XXXX past i tried sending them a email and the email was sent back because it didnt work. i tried the phone number and the phone number was for the IRS. i XXXX search the address and was a hotel/XXXX center. after that i contacted my card and told them to file a dispute because it seems it was a fraud. after two weeks i received a box from a overseas company with a cigar box and a thank you note. i send it back with XXXX since i didn't order it and didnt know whats going on. 
Wells Fargo contact me saying that my claim was denied since i authorized and they send me a tracking i was so confused. and right away went to the police and ask them to provide me with the contact information from that company and to prove that they send me a pallet of 40 shows! worst bank ever doesn't protect there customer from anything i went to the police and open a police report and provided the number right away with wellsfargo and they told me they didnt care about the police report. that i can contact who ever i wanted but wellsfargo is not loosing the money because i authorized the transaction. the transaction in my credit card showed it was from explore XXXX so i contact them and tank to XXXX / XXXX and they told me that they didnt have any records or me and that i was scammed. to contact the bank i send them the police report and they told me to contact the bank. the police told me to open a Cfpb
Consumer complaint received 2020-02-21
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: EQUIFAX, INC. (OH)

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 

Despite previous requests, items still remain on my credit report in violation of Federal Law. I filed a police report and FTC Report ( enclosed ). You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2024-08-26
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: EQUIFAX, INC. (NY)

I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.
Consumer complaint received 2020-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

XXXX XXXX is attempting to collection on a debt I do know owe. This debt is past the statute in Maryland and really old that it shouldn't be reporting on my credit. It's 8 yrs old.
Consumer complaint received 2023-08-01
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (NV)

Midland Credit Management began calling me in XXXX of this year ( XXXX ). I originally stated my " cease and desist '' spiel, telling them not to call this number, to take me off of their auto-dialer and not to contact me again. I then add the number they called from to my cell phone 's Blocked Numbers list. Despite this, Midland is continuing to harass me with weekly phone calls from ever-changing phone numbers. They are demanding payment for two old credit card debt accounts that were written off/charged off by the original creditor in XXXX. Neither of the accounts are still showing on my credit reports as the statute of limitations has passed. I have verified with all three Credit Bureaus these accounts are no longer listed. I have asked Midland to stop calling me. I have written a letter to them asking them to cease and desist contacting me. They call from different phone numbers, which is harassments. Every time they call, I add the number to my blocked list in my phone. At present I have over 30 different numbers for Midland blocked in my phone. 


I want the CFPB to publish this description on consumerfinance.gov
Consumer complaint received 2023-08-01
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. (FL)

Transunion has a total of 6 medical debts under {$500.00} still reporting on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) {$55.00} ( This has been paid in full ). 
XXXX ) XXXX  XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$120.00}. 
XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$120.00}. 
XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) {$65.00}. 
XXXX ) XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX ) {$87.00}. 
XXXX ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX  ) {$34.00}.
Consumer complaint received 2023-08-01
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: Resurgent Capital Services L.P. (AR)

XXXX XXXX ( XX/XX/XXXX ) - XXXX - {$4700.00}, will not remove closed account from credit report XXXX XXXX XXXX ( XXXX XXXX ) - XXXX {$1200.00}, will not remove collection off of report XXXX XXXX XXXX  ( XX/XX/XXXX ). - XXXX {$1100.00}, will not remove collection off my report
Consumer complaint received 2023-08-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: PayTomorrow, LLC (CA)

I was denied an application to PayTomorrow for a lease to own/line of credit to purchase items at XXXX XXXX store in XXXX, CA. Under 12 CFR 1002 ( Regulation B ) of the Equal Credit Opportunity Act, I should not have been denied any extension of my own credit for any reason as a creditworthiness applicant. A score ( or lack thereof ) from a consumer reporting agency is not a viable reason to determine my creditworthiness when an extension of my credit was already granted with my social security number to the creditor ( PayTomorrow ). Nor is my income, or ability to pay a viable reason for the denial of my application.
Consumer complaint received 2018-10-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (AZ)

I have been trying to receive a credit card from citibank since XX/XX/2018. Unfortunately, the two times they have tried sending my card since then have not been successful. I tried to cancel my card afterwards but despite being able to answer all my personal questions, they refused to do so on the grounds they could not send a message to my personal phone. They have sent a letter that would allow for my identity to be verified, except I have until now received no mail from them, so I am not confident this will work either and when I pressed them as to what will happen if the letter does not arrive, I was told that they are not sure. I am uncomfortable that I have an open account that I can not use and can not close.