davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (CA)

My XX/XX/XXXX statement from Barclaycard Visa had a balance of {$770.00}. The full payment to pay off the account was mailed in before the due date however the payment didn't post until two days after the due date. I flew to XXXX XXXX on XX/XX/XXXX and was out of the country for 2 weeks and my put the payment in the mail then. On my XX/XX/XXXX statement it shows i was billed a late fee of {$27.00} and a finance charge of {$11.00}. I called in to request the fees to be removed and was told it would be. then on my XX/XX/XXXX statement, I was charged a {$37.00} late fee and interest totaling {$1.00}. I mailed my payment of {$200.00} for a purchase and wrote a note telling barclays they can either remove all the fees or close the account. They sent back a response saying they are unable to complete my request.
Consumer complaint received 2018-06-20
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. (IL)

The following company below has placed an inquiry on my credit file that I did not authorize. I no nothing about it and I would like it removed right away. 

Requested on XX/XX/2017 Company : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Resurgent Capital Services L.P. (TX)

Regarding LVNV Acct # XXXX I sent them 2 certified letters 1 on XX/XX/2018 and 1 on XX/XX/2018 and I will provide the signatures for letters. The first letter I asked for them to verify this account. They didn't send me a response verifying this account and didn't note the account as disputed. So I sent a second letter stating : " You are required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which you signed for on. I have retained a copy of your signature and date of receipt, as well as a time-stamped copy of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30- day period. '' LVNV never marked my credit report as disputed even after 60 days it was still not marked which I will provide 2 credit reports to show.
Consumer complaint received 2018-12-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (NY)

My XXXX XXXX, XXXX and XXXX credit files have ( 3 ) accounts reported that do not belong to me. I have requested a reasonable investigation and my request has not been addressed.

These ( 2 ) accounts seem to be the same account and it's being reported twice and furthermore ; I have no recollection of neither these accounts. I am demanding an investigation and a full history of the accounting, any bill of sale or service contract bearing my signature.

1- XXXX # XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX ( XXXX ) XXXX Last Payment Made : XX/XX/2017 2-XXXX XXXX XXXX # XXXX XXXX RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX ORIGINAL CREDITOR XXXX XXXX XXXX ( Retail ) Past Due : > $ XXXX<
Consumer complaint received 2018-06-20
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: Experian Information Solutions Inc. (AL)

I obtain this loan in XX/XX/XXXX. Since the first payment date in XXXX of XX/XX/XXXX, I have never missed a payment and it has always been on time. In XXXX of XX/XX/XXXX I filed bankruptcy, but we reaffirmed the vehicle. I have made a payment every month since then. XXXX is who this loan is through and I have called them numerous amounts of times about the loan and payments not reflecting on my Credit Report. I've spoken to my lawyer who has assured me that on XX/XX/XXXX the reaffirmation letter was sent to XXXX Lawyers and that the car payment should show positive on my Credit report. Speaking with several different people and departments at XXXX, no one seems to be able to give a clear answer on why it is not and they can not even see the loan on my account, yet I have the loan payment history showing the account number and when it was taken out of my account monthly. I am trying to rebuild my credit and not having this show is not helping it at all. I am at a loss on what to do since the people at XXXX can not help me. 

Thank you XXXX XXXX ( XXXX )
Consumer complaint received 2018-12-07
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: FIRST HERITAGE CREDIT LLC (LA)

XXXX XXXX XXXX XXXX in XXXX Louisiana. contacted me on XX/XX/2018 about collecting a debt for First Heritage Credit in the amt # of XXXX Acct # XXXX I have been making payments and I dispute this amount. They continue to call everyday at least 3-5 times or more a day. I have made arrangements with them and my account is up to date. But they still handed my account over to the law firm. Saying that I have not made payments.
Consumer complaint received 2018-12-07
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CL Holdings LLC (TN)

On XX/XX/XXXX at approximately XXXX XXXX, a process server arrived at my home. I was not at home, but the process server advised my spouse that we had a court date of XX/XX/XXXX, and that the case was in regards to XXXX. Myy wife informedme of the incident, and after some research, I was able to locate the debt collection agency, XXXX XXXX XXXX , XXXX   based out of XXXX XXXX, MN ( hereafter referred to as XXXX ). I then contacted XXXX, and inquired as to when the debt validation letter had been sent. I was placed on hold for two minutes, and after being taken off hold, I was informed that the lawsuit was in the process of being dismissed, and that they were preparing a debt validation letter, and were willing to make a payment arrangement. 
My complain is that the agency in question initiated a lawsuit without properly notifying me of said debt.
Consumer complaint received 2018-12-07
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. (TX)

I had submitted a request to Equifax following the passing of my father to mark his credit file as deceased and get a final copy of his credit report to verify that there is nothing outstanding that I didn't already know about. What I received in response, addressed to me at my address, was a credit report for a completely different individual. I have her full name, date of birth, current & previous addresses, I know what credit cards she has and how much she owes, I know the bank and balance of her checking account, and all the reported places she's worked. While I don't know her full SSN, I can tell you that the last 4 digits of it match that of my father. That is the only similarity between the two and I believe that is where the mistake was made. A second letter from Equifax makes the same mistake and details a change to the account. 

I called Equifax to tell them about the mistake. They got information from me about my father and said that they were sending me the correct credit report. They didn't seem surprised or alarmed that they had sent out the wrong report initially. After my information was divulged in the breached by this same bureau last year, this is even more troubling. Since consumers don't have any choice in the bureau having our sensitive information, I would hope that they would make every effort to protect that information through security measures and preventing human error. This does not appear to be the case. 

I'm attaching my initial request to Equifax, the single page letter about a change to the account, and one page of the credit report to emphasize the sensitive information I was provided. I did double check to make sure the SSN which I had provided was correct. I have not redacted any information from the pages, but will not share this information with anyone else. I do intend to send the individual a letter so that she can contact Equifax directly.
Consumer complaint received 2018-05-19
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP (MO)

I had a checking account with US Bank, XXXX XXXX Iowa and their superiors told them to close my account on XX/XX/XXXX. The reason they said I was wasting my money on an XXXX Dating site. So I was told to find another bank, which I did. I found out today XX/XX/XXXX that my account was closed. I did not get any warning that this was going to happen and I have outstanding checks and debit card transactions. I was told two weeks ago that my account would be closed on XX/XX/XXXX. Now I will be charged with returned checks and my debit card transactions will be canceled. I was given no warning. The bank in XXXX XXXX Iowa was told by their superiors to close my account. This causes undo stress to me they had no right to change the date of XX/XX/XXXX to close my account immediately today XX/XX/XXXX I have no money and they said they sent a check to me with the balance of the funds in my account. So I will not have any money for at least 7 -10 days, because my new bank does not honor any checks until they are cleared. This is totally unfair to take this action today instead of XX/XX/XXXX.XX/XX/XXXX closing would allow me to finish my financial obligations in plenty of time. HELP! Bank routing # XXXX  account number is XXXX. I have the right to spend my money on legitimate dating sites. I am single so I should be able to spend my money as I see fit.

Respectfully, XXXX XXXX
Consumer complaint received 2021-01-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc. (NC)

XXXX of 2020 I went to XXXX XXXX  and paid off a phone and cancelled service, however they were still charging my account, I did an online chat in XXXX or XXXX regarding still being charged for the account, they said they apologize and will cancel the line, XXXX i got another email stated that my account will be permantly terminated if i do not pay the balance however the account was suppose to be cancelled since XXXX. In the store in XXXX the representative stated that they cancelled the service and unlocked the phone! Yet months later they were still charging me for the service. XXXX when I called a rep told me all I had to do was go into the store and show my ID and they will cancel once they verify that there was inactivity on the account and I would be cleared of the full balance. It hasn't even been a month later and I was sent to collection all because this company made a stupid mistake and did not cancel my service like I asked them to!
Consumer complaint received 2018-06-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CA)

My credit report had a collection placed on it from XXXX XXXX a couple of months ago. When this happened I immediately called them. This debt wasn't mine to begin with. I never owed XXXX money because I cancelled my phone and paid the early termination fees. But, they never cancelled my phone and it kept accruing a balance until I received a bill a few months later. I called XXXX to resolve at that time and they said it was fixed. So now, convergent places this on my credit and it's causing me all sorts of problems. So, I just settle the debt in order to avoid issues and pay them. They're supposed to delete the account but now it's still on my credit report. What a shame I paid a debt I didn't owe and it still sits on my credit report. They've sent me a letter stating that this debt is valid. See attached
Consumer complaint received 2018-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

The following account below was closed on XX/XX/2011 has a {$0.00} balance and has past the seven year SOL and should be removed from my credit report. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2018-06-20
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (PA)

Navient has repeatedly XXXX  up my account. On several occasions I have had to call and have them correct the application of the loan amount. They would overpay some loans and leave others as unpaid so they would collect a late fee. The online account never matches what they say you owe and recently they took more than authorized by me automatically from my account. I am extremely displeased and disheartened with the company.
Consumer complaint received 2018-05-20
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

I CAN NOT CURRENTLY WORKING DUE TO XXXX WHICH I HAVE BEEN FACING FOR OVER 3 YEARS. ALL STUDENT LOANS SHOULD HAVE BEEN DISCHRAGED THROUGH NELNET AS I HAVE ALREADY COMPLETED MY 3 YEAR WAITING PERIOD. THERE ARE STILL NEGATIVE STUDENT LOANS REPORTING ON MY CREDIT REPORTS
Consumer complaint received 2021-12-06
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. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$8000.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$520.00}
Consumer complaint received 2018-12-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Systems International, Inc. (TX)

It is amazing when you find out about a debt, a collection agent was to try and destroy your credit, and the integrity of the law. It has been reported to the credit bureaus by Collection Agency : Credit System International , Inc., XXXX XXXX XXXX, XXXX, TX XXXX of a debt owed of {$70.00} which I have no recollection of. In taking in test that was authorized by my doctor have been paid. This company called XXXX XXXX XXXX XXXX XXXX  is an establishment I'm unfamiliar with. Never took any test at this location. When it comes federal laws, they are written to protect consumers from unlawful business practices from agencies such as. I was not given sufficient time during the dispute process to get as much information regarding a medical debt. I never received anything about services rendered from this establishment, and not anything from Credit System International , Inc. By law a consumer has up to 90 days at the time collection agency makes contact regarding an outstanding debt, before any reporting to the credit bureaus negatively. Federal Credit Reporting Act under The Federal Commission, section 623. CSI reported negatively to the credit bureaus while this matter was in dispute. The have violated my rights under the FDCPA and FCRA. I value my credit, and anything negatively reported should be removed. Please assist in this matter. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX
Consumer complaint received 2018-05-20
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 seeing recent media on hacks on the american publics information I pulled a copy of my credit report to see if all my information was correct, and no one was falsely using my information, to my surprise I had several addresses, accounts and inquires that I've never been associated, seen or applied for or every inquired on credit at these businesses below are a list of false information due to identity theft on my credit report.

I have never lived or been associated with these addresses below : 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  I have never applied for credit resulting in a INQUIRY with these companies below : XXXX XXXX XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX  on XX/XX/XXXX, XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX onXX/XX/XXXX Below are a list of Accounts that are fraudulent I have no knowledge of them at all Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : {$1000.00} Account Type : Collection Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX  Date Open : XX/XX/XXXX Balance : {$170.00} Account Type : Collection Account Name : XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Account Type : Credit card Account Name : XXXX Account Number : XXXX   Date Open : XX/XX/XXXX Balance : XXXX Account Type : Collection Account Name : XXXX XXXX XXXX Account Number : XXXX Date Open:XX/XX/XXXX Balance : XXXX  and XXXX Account Type : Credit card
Consumer complaint received 2018-05-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services (SC)

I have contacted LendMark Financial directly as well as the 3 credit bureau 's. I  have asked this collection company more than 60 days ago to remove this false negative account from my credit file and or show just cause of any potential accuracy or proof for reporting. To this date I have yet to see any documentation bearing my signature, and or showing that I have a legal binding contractual obligation to pay said debt. I am requesting that this false negative information be removed from my credit file immediately as this is hurting my credit worthiness. I can only assume that this is a mistake and that this above named company is not attempting to prey on consumers. 


I have maintained copies of these notarized letters and dates and have warned the above named company that I was filing a complaint with the CFPB Thank you for your help.
Consumer complaint received 2018-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MI)

" My Great Lakes '' is a federal student loan servicer who services my student loans. I am trying to apply an extra payment to pay-in-full one of my student loans at 6.55 % interest rate ( payment made XX/XX/XXXX, received XX/XX/XXXX, applied XX/XX/XXXX ). However, Great Lakes will only apply the payment first towards any future payment due, and then any extra towards the loan I requested. In the past, I would call and have them adjust this so the payment is only applied to the one loan I wanted to make an extra payment towards - knowing that I have auto-pay set up and I am paid-in-advance ( no payment due for 1+ months beyond current billing cycle ). Great Lakes has changed their policy and are now unable to adjust excess payments to only the loan I request. Due to this, I am still being charged 6.55 % on the loan which should be paid off in full with my payment of {$2500.00} ( loan balance was {$2500.00} at time of payment ), and instead part of that payment is going towards my 3.03 %, 3.15 %, 4.25 %, and 5.35 % loans. Only {$2000.00} was applied to Loan Token XXXX, the remaining {$520.00} was applied towards other loans which are at lower interest rates.This means I am not gaining the benefit of paying off my highest interest rate loan, which means I pay a higher percentage per month in interest than I should be - this is money out of my pocket which they will not reimburse or correct. I do not want money, I only want my payment to be applied correctly, retroactively, only to loan # XXXX as requested multiple times so that it will have a " Paid-in-full '' status. Again, this is a policy change at Great Lakes which is not allowing me to apply a payment only to the one loan I request, where I was fully able to do this previously. This is wasting my money towards undue interest. In addition to multiple emails ( with my latest unanswered for 5 business days ), I called today on XX/XX/XXXX and spoke to XXXX ( employee # XXXX ) and was again told that they could not apply the payment only to my loan token # XXXX - like they have done several times in the past ( redirected an over/excess payment to be applied to only one loan ).
Consumer complaint received 2021-12-06
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: EQUIFAX, INC. (NY)

on XX/XX/2020 XXXX  equifax and XXXX deleted XXXX XXXX account XXXX, on XX/XX/XXXX it was re inserted back into my credit report. at no point in time did XXXX XXXX  or equifax notify me within 5  days of the reinserting. under 15, u.s code 1681i - procedure in case of disputed accuracy i was not notified, nor any written statement was sent to me at all. i would like the acccount to be permantly removed. you are in violation.