davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (WI)

My request to validate an account that is not mine was sent to experian XXXX, i have not heard anything from this company at all, and the law states if they do NOT respond in 30 days this account should be removed from my credit file. I sent a letter to the company on XXXX. This company has not responded. If i send a letter in mail i should get a response in the mail. So if this account is not removed i have no choice but to file a lawsuit. 

Attached is the initial letter that was sent, this company has not responded within the 30 days. 

Also attached is documents to show proof of identity I DO NOT CONSENT TO XXXX or any means of automated verification They have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They 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 for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA Social Security XXXXXXXX XXXX XXXXXXXX
Consumer complaint received 2024-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

Resurgent Receivables LLC, has reopen a charge off close account ( 15 US code 1601 ). 
Account was open on XX/XX/XXXX ( XXXX ), which has been removed from my credit report. Resurgent Receivables LLC has reopen on XXXX, XXXX and reported on my credit again in XXXX to current. The account has already been closed and should not be open currently. 

{$440.00} total LVNV Funding Collections Resurgent Receivables LLC XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-23
Product: Credit reporting 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. (MI)

[ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit report- ing XXXX Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Consumer complaint received 2024-09-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ProCollect, Inc. (MS)

I need to re-document and refile this complaint to PROCOLLECT , INC . I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. 
My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Consumer complaint received 2024-09-28
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Shepherd Outsourcing, LLC (OR)

This is the text I was sent by supposedly Shepherd outsourcing on XX/XX/year>. The text starts with my name omitted here for privacy reasons. 

Hi ____ this text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX ) account. Visit portal-shepherd.com ( the rest of the link I omitted here for security reasons ) Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. ( They give a reference # here omitted for privacy reasons ) Reply STOP to opt out. 

I have not clicked on the link yet due to my fear of it being a scam. I do not have a XXXX account. And never have. I ignored it for that reason. But a second text same number came a week later on the XXXX. 

We have limited time to work with you before we return your XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account to our client. See your options at portal-shepherd.com ( the rest of the link I omitted here for security reasons ) or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out. 

Again I didn't click the link due to thinking it's a scam. And 2 days later I got the third text on the XXXX. 

If your XXXXXXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account is returned to our client we may not be able to renew these offers. Save up to {$680.00} in up to 3 payments when you visit portal-shepherd.com ( the rest of the link I omitted here for security reasons ) or call XXXX. This text is from Shepherd Outsourcing, a debt collector. Reply stop to opt-out. 

This last one bugged me because I saw a dollar amount. I still didn't click the link thinking it to be a scam. But decided to XXXX the number. I have come to the conclusion that due to my research I am right in it being a scam. I then was going to report it to the FTC. But they referred me to you. Thank you for your assistance.
Consumer complaint received 2024-09-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (IL)

I am writing to formally dispute the following inaccurate information on my credit report. Please consider this letter as my official request under the Fair Credit Reporting Act ( FCRA ) for the removal of the inaccurate information listed below from my credit file. 

Under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information they report. The information in my credit report is inaccurate and therefore must be corrected or removed to comply with the law.

Additionally, under 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of this matter. I ask that you investigate and resolve this dispute within the 30-day time frame, as required by law. Please remove or correct this inaccurate information and send me an updated copy of my credit report once the investigation is complete. 

Enclosed are copies of supporting documents ( such as my identification, billing statements, or other proof ) to help verify my claim. Please let me know if you need any additional information from me to resolve this dispute. 

I appreciate your prompt attention to this matter. Please send a confirmation that you have received this dispute and the results of your investigation to the address listed above. 

Thank you for your time and attention.
Consumer complaint received 2024-09-29
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Minto Financial dba Minto Money (OH)

Interest and fees are too high and so is the pay back amount. I have lost so much money and even my bank account has gone negative numerous times due to the high cost of this loan. I dont have the option to manually pay so the payments automatically come out. I am past due on an amount of XXXX but I owe them XXXX. It is too costly.
Consumer complaint received 2017-12-12
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CNG FINANCIAL CORPORATION (TX)

For awhile now I have been borrowing from a company called XXXX XXXX XXXX in XXXX XXXX, Texas. I was recently looking over the detailed payment statement and noticed an extremely high charge for this loan. It is described as a " CSO fee ''. This fee is higher than the interest charged which, as you know, is significant. 

I called the local office and asked them what Is the CSO fee? They did not know so I asked for the supervisor. After speaking with several people in the company no one seemed to know what the CSO meant. This strikes me as being very odd so I decided to try to find someone in a regulatory department that might be able to help me. 

This is the reason for my letter to you. What is a CSO fee and why is it so high? I am hoping that you can give me some insight on this. 

Thanking you in advance for any assistance you can give me. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Data and Contact Management Solutions, LLC (NJ)

DCM Services , LLC has sent me a letter in the mail stating that they are a debt collector and that I owe a debt to XXXX XXXX. I do not owe XXXX XXXX  nor DCM Services , LLC the alleged debt amount of : {$15000.00} Please see attached pdf document ( s )
Consumer complaint received 2024-09-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: FREEDOM FINANCIAL NETWORK (CA)

Achieve Personal loans marked my account as 30 days past due from a returned payment that was incorrect due to the incorrect routing number entered on my bank account. I originally made a payment on XX/XX/year> in which I received an email notification that it will be processed on XX/XX/year>. Email notification showed the last XXXX of my account number. I then received an email received on XX/XX/year> that achieve was unable to collect payment and that the account I used was suspended. I spoke with representative on XX/XX/year> to ask what the issue was and they stated that I entered XXXX of my saved account numbers that are saved in the system and that I entered the other account routing number that I have saved in the drop down list. I stated to them that I used the drop down method that was saved and never once entered a new account or routing number. Representative stated that I entered the new account information in which I entered the incorrect routing number and that it would be reported over 30 days due to the payment being returned. I asked for a supervisor XXXX XXXX and spoke with them on XX/XX/year>. They stated that I entered the incorrect routing number. Asked for proof of the change of account routing number and all they provided that the system normally sends an email notification of the payment and not the change. This I feel like is a XXXX percent a glitch or error on the company system and needs to be thoroughly investigated. This did not only impact my credit but makes me feel that the company system is incorrect and lost all trust in this lender. I asked supervisor for request ti remove and they mentioned the investors changed that recently in which they can no longer remove credit disputes.
Consumer complaint received 2024-09-26
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: National Credit Systems,Inc. (GA)

National credit system for XXXX on XX/XX/year>. I have never done business with this company and have been harassing by this company. I requested a copy of contract and was denied and they don't have any contacts with my signature.
Consumer complaint received 2017-12-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (ME)

In XXXX XXXX I became unemployed and asked XXXX XXXX XXXX to recalculate my payment, they did it and made the payment much higher even though our income was a lot lower due to me being unemployed. Also back around 8/2017 they approved me for a unemployment deferment, then they took it off for no reason and without my permission put me back on repayment status at a high rate, so I called into customer service and they asked me to send in another unemployment deferment and I did then they approved it which I have copies for starting XX/XX/XXXX. Why would I want it to start in XX/XX/XXXX I am unemployed now. Then XXXX XXXX without my permission put me on a forbearance for a month which is higher interest than the unemployment deferment. Also during this time with all this going on they kept changing and increasing my payment amount. Also I was on the public loan forgiveness and they have n't added any payments that I did make toward the 120 payments. They keep messing with my loan and not responding to my emails. And when I call the customer rep they tell me different stories. Like one customer rep said for me to apply for one of the income contingent payment and I would have a XXXX payment, that was not so they as I mentioned early increased my payment by double or more. I was giving a lot of misguided and false information. Also in XX/XX/XXXX they took off my parent plus loan and said it was transferred so that one loan showed transferred, but now we are in XX/XX/XXXX and they have it back on there. Why would they put that is was transferred even though it was n't. I have kept my paperwork and taken screenshots of my account where they keep changing things. I have three loans with them and the parent plus loan is one of them. Please do something about this. It is very stressful to deal with.
Consumer complaint received 2017-12-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX I had prepaid {$800.00} for a class and was not able to attend. Prior to the class starting I requested a refund and it was granted without penalties or fees.On XX/XX/XXXX I was charged {$400.00} for a room at a XXXX XXXX. I disputed the charge for one night and was given a credit for the full amount and a letter that interest would not be applied.On XX/XX/XXXX I paid a food bill for {$1400.00}. The amount that was on my statement was {$1900.00}. I disputed the charge and received a letter from Chase Card Services that the food company had added a tip of {$200.00} without my permission. Chase Card Services on XX/XX/XXXX granted me a credit for the {$200.00} and said there would be no interest of fees charged. 
Chase is sending demand letters for interest that started at {$33.00} and have now escalated to {$62.00} and climbing.
Consumer complaint received 2024-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (AZ)

I called yesterday for payment history on my loans during Covid and asked for a refund on the voluntary payments. 

I was first time informed of a deadline in XXXX that I was not made aware of the previous time I called and was waiting for them to get back to me with details and now the deadline has passed.
Consumer complaint received 2024-09-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/XXXX, I logged into Truist website, downloaded my credit card statement, reconciled it, processed the payment, and printed out the payment confirmation. Today ( XX/XX/XXXX ), I logged into Truist website to download the statement and notice I have interest and late fee. I check my records and verify confirmation of payment made on XX/XX/XXXX. I check for email confirmation, but Truist does not send out email payment confirmations. I search through the website and find no payment processed or scheduled. I pull up my confirmation and see I paid it on XX/XX/XXXX. At this point I reach out to chat and explained the situation. I was told I scheduled a payment for XX/XX/XXXX. How is this even possible? Why would, and better yet, how could someone schedule a payment for 1 year in advance? I recheck my confirmation, and it says XX/XX/XXXX. Truist does not send payment confirmations. Nobody contacted me. I send the image of payment confirmation through chat. I ask agent to please credit late fee and interest as a professional courtesy. She says no she can not do it until I make a payment. I say ok, no problem, hold the line. I immediately make the payment and send her an image of the payment confirmation through chat. She says no good. It takes them days to post and I should contact them again afterwards. I ask why the confirmation shows XX/XX/XXXX. She says that was date I processed payment. Why in the world would Truist not show a pending payment on its website, not email a payment confirmation, display a payment confirmation on screen for a customer claiming the customer scheduled a {$66.00} balance in full payment for a year in advance.and show the date on the confirmation as the date the customer initiated the transaction with absolutely no reference to a future scheduled payment date? I was charged {$27.00} 42.18 % in interest and late fees on a {$66.00} balance. I asked to for a manager and was told a manager would call me within 30 minutes. Nobody has called me. This is extremely upsetting. It is inappropriate and appears to be an attempt by Truist to trick its customers and to charge unnecessary fees. Even the immediate payment I just made does not show as scheduled or pending or anything. The only record I have of making that payment is the confirmation I printed out. There is no record anywhere of a payment scheduled. This is unfair. I have an XXXX credit score. I pay all of my credit card bills in full and on time every single month. I scheduled this payment. I printed out the payment confirmation. I verified it was the right date on the confirmation. I did my part. Truist bank is deceitful, unethical, and conducts unfair business practices. This is not ok. Big companies should never be allowed to take advantage of consumers.
Consumer complaint received 2017-12-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc. (FL)

I started my financial relationship with GM Financial when they were still XXXX, in 2008. I had my share of issues with the integrity of the company, but what I am most frustrated with is they are holding my title hostage. I have been paid in full for YEARS, and yet they are still unwilling to release my title. I have spent hours on the phone with their reps and I get nowhere. It is disgusting how they have made me believe on numerous occasions that my title would be on its way to me, only to find out it was never mailed out. I feel like my hands are tied which is grossly unfair - if I were to be late with my monthly payments I would incur late fees until they would eventually repossess my car. Why are n't I, the consumer, protected in the same way? I will never do business with the terrible company again.
Consumer complaint received 2023-09-23
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This is my second time in this situation. On XXXX XXXX a payment to Capital One posted from my XXXX bank account. Capital Ones website states that payments made before XXXX will be posted same day and payments after XXXX will be next day. My mom made a payment on her account it went straight through and her available credit reflected the payment immediately. My payment is still pending. I contact Capital One which caused many contradictories. On one hand they say I can not get a refund for my payment because it has posted but they claim my available credit can not be released because of a review to verify my funds. I asked them to explain how a payment can post but not be cleared and they can not give any explanation besides they just do that sometimes. Thats unacceptable as Ive done nothing wrong to be placed under review for EVERY payment i make. Capital One also revoked ability to pay via debit card leaving you NO choice but to pay ACH but turn around and hold your money. As stated before the payment posted from my bank account on XX/XX/XXXX at XXXX. It is not in pending status. Capital One sent me email at XXXX same day indicating my payment was posted in their system as well.
Consumer complaint received 2024-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NY)

I have a new collection from debt collection agency XXXXXXXX XXXX in the amount of {$1700.00} from original creditor Web bank which owns the XXXX credit card. 
I did have this credit card back in XXXX. The initial credit line was {$500.00} and I have had issues with fraudulent charges. I am enclosing the one that was investigated through the XXXX and XXXXXXXX XXXX XXXX department and deemed as fraud. 
I also have been a victim of identity theft which has been made aware to this company, XXXX XXXX  as well as others I have submitted claims for. 
Once that initial fraud came back in 2022, I immediately closed the account and paid down the balance which at the time was less than {$200.00}. 
Now, years later in the midst of my identity theft crime, this account has been sent to collections with a {$1700.00} balance. 
I did not authorize any more use of that account, and once it was closed it was obtained fraudulently. 
I am not responsible for this and am asking for XXXXXXXX XXXX and the original creditor Web bank to recognize this and immediately cease collections attempts and reporting on my credit file.
Consumer complaint received 2017-12-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (NV)

Below is what I have copy and pasted from XXXX XXXX. I disputed the first one because this around the same time that my identity had been stolen, yet they close one and just turned around to open another one. This should not be on here. I have disputed multiple times now. PLEASE fix this. Thanks! 





XXXX XXXX - XXXX Closed : XXXX XXXX, XXXX + XXXX XXXX XXXX Last reported : XXXX XXXX, XXXX - {$340.00} Needs Attention Overview You 've paid off 0 % of your collection amount. 
Balance {$340.00} Highest Balance {$340.00} Opened XXXX XXXX, XXXX XXXX XXXX yr, XXXX mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX