davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-05
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Fenton & McGarvey Law Firm, P.S.C. (KY)

This is regarding a collection account with the collector XXXX XXXX. The original creditor was XXXX XXXX XXXX They have sent me a letter through Fenton Law Firm from XXXX XXXX. 

I received a civil summons from Fenton Law Firm on behalf of XXXX XXXX months ago. There were no instructions on how to respond to it or who I could respond to. I sent an email to the law firms email address that was listed on the paperwork. They did not respond to me after many attempts to email them and follow up over a period of weeks and weeks. I then received a notice that a civil judgment had been filed against me with my local court. I had no idea how I was supposed to prevent this from happening and the law firm did not respond to my requests for assistance in settling this " debt ''. 

The debt they are collecting is not fair. I paid more to XXXX XXXX in payments while that credit account was open than I ever charged to the card. The " balance '' they are claiming I owe consists of only unfair and excessive fees imposed on the account by XXXX XXXX. None of that balance is reflective of money I had actually charged to the account. The ridiculous fees they added to my account was the only reason there was any " balance '' remaining at all. They had me in a vicious cycle of repaying fees month after month and I was n't even paying for anything I had charged at all. This should not be allowed. I paid them much more than I ever truly owed them. I can document this with statements if needed. 

Fenton Law Firm sent me a letter last month requesting a settlement amount of XXXX. It was sent from XXXX XXXX and listed her email address. I attempted to email her directly to explain what I have explained about but did not get a response. I have emailed her XXXX times. I do not wish to have any communication with them that is not in writing so that it can all be documented. I feel like they did not respond to my initial emails on purpose so they would automatically win against me and have the judgment lien placed. I offered them in my email to settle this for XXXX just to have it taken care of, even though I feel this debt is completely unfair and unfounded. This collection account has been detrimental to my credit for years now and I ca n't repair my credit until I get this taken care of. They have not appropriately communicated with me so that we could come to an agreement.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC (NJ)

Dear Sir or Madam : I am writing to dispute the following information in my file. 
GC SERVICES Reported on XX/XX/2018 for the amount of {$280.00} This item disputed by GC Services ( On behalf of XXXX ) is inaccurate and incomplete because GC Services had the wrong contact information in my file. They had the wrong mailing address and the wrong email. Even though they had the right phone number, I never received a phone call from them to make me aware of the outstanding balance. GC Services did not ever communicate with me, not once. I never received a letter or message from them. I learned today about the derogatory remark through my XXXX XXXX account, and immediately called GC Services ( XXXX ) and spoke to their representative XXXX XXXX, who made me aware of the situation and updated my contact information. 
This situation is unfair and it does not follow regulations which state that I should have been informed and given a chance to pay this balance before reporting it as a derogatory remark. 

I don't have a letter or email from GC Services informing me about this amount to upload for your review. I have nothing from them. I was the one who called today, even though they had my phone number on file. 

I am requesting that the item be removed to correct the information since I was never notified about it and made a payment as soon as I knew about it! 
Please reinvestigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY (MA)

I was shocked when I reviewed my credit report and found late payment on the dates below : -IN 2018 - I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I payed XXXX  $ to a capital one credit card accidentally from my XXXX XXXX XXXX bill pay. It was a card that is paid in full and no longer active. I never deleated it and clicked it accidentally. I have records from my XXXX XXXX XXXX  showing the transfer of funds.

I have been calling Capital One for 1 month now They refuse to return funds.

XXXX XXXX XXXX
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Premier Holdings (CA)

XXXX was referred to us by a material supplier to initiate the lien process on a project for which services had been completed, but payment was being withheld by homeowner. After months of inactivity, our company pursued the homeowner directly and received {$3800.00} for our services. This amount was in contrast to the total cost of the project, {$9600.00}. Informing XXXX that our company had received payment, we were asked to submit payment in the amount of {$2400.00}, or, 25 % of the original {$9600.00}. 

Our company did not believe the services provided by XXXX would warrant such fees but had not refused to pay a settlement amount. Instead, we wished to enter into negotiations with XXXX and maintained that fees should be calculated from the amount actually received. 

Our request was met with a verbal berating by employees of XXXX, several of which, completely unprofessionally resort to vulgar language, threats to pursue criminal charges, and threats to initiate legal action directly against our employees. 

Furthermore, our employees were never notified calls with XXXX would be recorded. While we do not fear recordings in XXXXs possession, as we hold our employees to a high degree of professionalism, it is worth noting CA has two-party consent wiretapping laws.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

On XXXX I submitted a complaint because XXXXXXXX XXXX is refusing to remove the {$0.00} charge off that is still continuing to be reported on my reports even though the charge off was paid. This is my second complaint. XXXXXXXX XXXX  stated incorrectly in the response that was provided on XX/XX/scrub>XXXX  that the charge account is being reported correctly with a {$0.00} balance since it had been sold to another party ( third party debt collector ). I have already received communication from XXXX XXXX XXXX ( the letter that was received was attached to the initial complaint, but apparently was not read by XXXX XXXX prior to a response being provided to me ), stating that the balance that was placed on my reports by XXXX XXXX XXXX ( which had a balance tied to it and was not the {$0.00} charge off that XXXX still has on my reports ) would be removed after full payment. XXXX XXXX XXXX has already done its part and removed their account from my reports. XXXXXXXX XXXX HAS NOT. The {$0.00} charge off/collection account from XXXX XXXX is continuing to cause unjust hardship as the information is still appearing on all of my credit reports and is affecting me in a negative manner as it relates to my credit. The {$0.00} charge off that is on my reports from XXXXXXXX XXXX  should not still be on any of my reports because it is not accurate since the charge off has already been paid. The information proving that is being attached again for reference along with reports showing the {$0.00} charge off/collection that is appearing on my credit reports from XXXX XXXX XXXX
Consumer complaint received 2018-08-16
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: All Reverse Mortgage, Inc. (CA)

On or about XX/XX/2018, the complainant discussed receiving a reverse mortgage form All Reverse Mortgage staff of XXXX County, CA. As part of the mortgage she was required to set-aside {$19000.00} as a balance that she would receive out of the loan. After the loan appraisal was conducted, it was determination that a portion of those funds needed to be set aside for roof repair work, and she would receive the balance. The actual roof repair only cost {$12000.00}. She was promised ( at least twice ) that she would receive any residual balance ( promised to have originally been {$6400.00} ) and it would be remitted and wired directly into her checking account. At closing she provided check for this purpose. On approximately XX/XX/2018, the check for the roof repairs from XXXX Reverse Mortgage Servicing Department ( the mortgage company that the mortgage was sold to ), was received. However, the remaining repair set aside funds were never sent and were subsequently transferred to the complainant 's available line of credit instead of being returned to her as promised. When questioned about this matter, XXXX said that because she took a line of credit, that she is not due any residual funds as initially promised by All Reverse Mortgage. This statement was never clarified.
Consumer complaint received 2018-08-16
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 — Problem with personal statement of dispute
Company: TekCollect Inc. (MO)

TEK-COLLECT INC XXXX XXXX XXXX  XXXX XXXX XX/XX/2018 {$320.00} XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX This is a collection on my XXXX  credit report that is so in actuate, that it is fraud. I never had treatment from this Dr., nor do I owe any money. This Company " Tek collections '' tried to hit my other credit reports with the same charges and they where removed indefinitely. And placed under fraud. Please help thanks
Consumer complaint received 2018-08-16
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

I was affected by Hurricane Harvey, XXXX XXXX did a 12 month forbearance on XX/XX/2017 and now they reported late payments to my credit report lowering my credit score 100 points. I never received a delinquency notice or email or phone call about late payments. They don't want to remove negative credit reporting and i need a loan to fix my home. I lost everything and this is the last thing I need! I need to rebuilt my life. 

Thank you
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

The following accounts/items do not belong to me. Please delete immediately. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX-this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXXXXXX XXXX account is not mine. Action Requested : Please delete the entire account from my credit report. 

XXXX XXXX- this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report. 

XXXX XXXX XXXX : this account is not mine. Action Requested : Please Delete the entire account from my credit report.
Consumer complaint received 2018-08-16
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: NAVY FEDERAL CREDIT UNION (TX)

I have attempted multiple times to address this error with Navy Federal Credit Union ( NFCU ). They are now in multiple violations of the Fair Credit Reporting Act ( FCRA ). NFCU needs to delete this innacurate information from all 3 of my credit reports  immediately. 

I have a settlement agreement with NFCU entered on XXXX XX/XX/2018. I have attached a letter to prove this. This letter summarizes that I have made timely payments in accordance with our agreement. I have made three payments thus far. Initial balance with them was only {$19000.00}. They continue to report inaccurate information such as the following on my 3 credit reports : " charge off '', " no payments '', " late payments '', " balance due of {$26000.00} '', " placed as bad debt '', " placed for collection '', " collections '', collections and skip '', " charge off '', and more, on all 3 of my credit reports. I have a sample attached from my XXXX report for verification. I have made 3 timely payments of {$320.00} a month, and my balance owed is now only {$18000.00}. 

FCRA Violations : # 1 : " Reporting a debt as charged off when it was settled '' # 2 : Section 623 ( a ) ( 3 ) of the FCRA states that if the completeness or accuracy of any  information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

Lastly, each time I have tried to dispute this matter and have it updated, these accounts have been negatively " re-aged '' .... 

# 3 : Re-aging a debt, credit card or other past due accounts resets the collection limitations clock and may give collectors and creditors a fresh start. Creditors DO NOT have to re-age past due accounts, but when they do without your permission or payment, their actions is in violation of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, if the re-aging constitutes false information furnished or transmitted to a credit reporting agency. Re-aged debts restarts a statute of limitations on collections and is not legal. 

Please assist me and remove this immediately from all 3 of my credit reports. It has now harmed me financially by not being able to qualify for a Veterans Affairs Mortgage, even though I am a XXXX XXXX XXXXXXXX Veteran. The additional amount of money in rent I will now have to pay over the amount of VA loan mortgage will total over {$180000.00}.

During the lifetime of a 30 year loan, even though I have attemtpted to do the right thing in fairly resolving this debt with NFCU, this is devastating news.
Consumer complaint received 2018-08-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Between the dates XX/XX/XXXX-XX/XX/XXXX Capitol One continued pulled my credit without permission. There are a total of 3 hard pulls on my credit. I was advised there would be no hard pull on my credit.
Consumer complaint received 2018-08-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (GA)

XX/XX/2017 i added voice, the phone, to my XXXX account. The cost is {$20.00} per month. plus Carefree Minutes, World Select 300 for {$9.00} per month. I specifically made it clear that I want the international calling plan for XXXX XXXX. and that is the only reason I needed their phone. I use my cell phone for everything else. They also charged {$10.00} XXXX /month for rental of equipment. I BOUGHT the equipment I did not rent theirs. 
XXXX  charged me {$9.00} per minute for my calls to XXXX. {$9.00} is supposed to be the flat rate for the month if the usage is under 300 minutes. I have complain to XXXX   supervisors even up to their cooperate office. I was told that XXXX is not included in their World Select plan but because it was XXXX 's error in setting up this plan for XXXX they will honor it. They kept removing the excessive charges one month and then added it back the next month. XXXX now send me a bill for {$520.00} for international calls, equipment plus penalty. Convergent, XXXX 's collection agent is reporting this false claim to all the credit bureaus.
Consumer complaint received 2018-08-16
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-08-16
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: Experian Information Solutions Inc. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or missing disclosures — 
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MD)

I used to live in XXXX XXXX in XXXX md. After I moved out. the lessing office called me that they was a carpet damaged That I should pay the sume of {$260.00}. I Asked lessing company to give me one month to make the payment. And we agreed on that. Before that mouth pay the {$260.00}. But the lessing company still send my information to credit report. Right now I need help I want them to remove the {$260.00} from my credit report
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

My first stop was the Federal Trade Commission website to find out how OPT OUT of Prescreened Credit Offers.

I found a link to XXXX which is apparently run by the major credit bureaus.

After two days [ XX/XX/XXXX-XX/XX/2018 ] and numerous attempts to OPT OUT, I believe this site is intentionally defective and designed to not process valid consumer requests.

I have filled out the form dozens of times including the XXXX  and get the same two errors every time. The screen shot is attached.

Must Use Valid Format on the ZIP Code field.

Must Use Valid Format on the State field.

I have tried both XXXX  and XXXX to no avail.

The State information is a pull-down list, the website fills out that field incorrectly on its own. There is nothing I could possibly do to fix it. This incompetence or another dirty trick from the Credit industry.

I believe this form was intentionally designed to prevent consumers from protecting themselves from unwanted credit offers.
Consumer complaint received 2021-11-12
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: Affirm Holdings, Inc (TX)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

The XXXX Credit Bureau is reporting inaccurate information on AFFIRM INC ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2018-08-16
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: BARCLAYS BANK DELAWARE (FL)

Barclay Bank gave me a credit card if I bought a new XXXX XXXX phone which I did not want. Now they are dunning me for payment. I put the purchase in dispute and answered their questions but XXXX refused to take back the phone claiming it was too late to be returned but it was not suitable for me to have it. Now, I reported this to XXXX  and they never put it on my report that this charge is in dispute and are dunning me for payments for Barclay Bank. So the two of them are doing this telling me how my score is lowered but if you return a thing to XXXX, I should not be charged for the purchase. I returned my Barclay card to you to return to them. 
I did not want the phone but Barclay insisted I buy it to please XXXX. 
It did not work right in the beginning and overheated. i just wanted XXXX to take it back. XXXX refused to take it back but i did not have it that long. The XXXX still refuses to put this on my report that this charge is in dispute and keeps asking me to pay Barclay when it is in dispute. 
The XXXX is supposed to put that on my credit card that this charge is in dispute but refuses to do so.