davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (NC)

I ended my XXXX XXXX account in early 2022. In XX/XX/2022 I received a collect notice from Receivable Performance Management. It stated that I owed XXXX XXXX {$260.00} and was now in collections. I had auto pay and did not owe any money when I ended my service after many years. I ported my number to another carrieXXXX. If money is owed, the phone numbers can not be ported until the balance is paid in full. Also, if I owed money, they would have taken it from my account as they were authorized to do with XXXX that was in effect. I asked XXXX XXXX why they didn't just take the money and they said because they closed my account. I asked why they were billing me for an account that was paid in full and closed? They could not explain it either. I did not receive an email stating that my bill was due, as they always do. Since I was applying for a mortgage, I agreed to pay the collection agency. They agreed to remove it from the credit report. I immediately paid on XX/XX/2022. Now they refuse to remove it and claim that they never remove collection notices from credit reports. Both XXXX XXXX and Receivables Performance Management have lied and deceived me. I think XXXX XXXX punished me with the collections action instead of emailing or taking the money after I refused to stay with them. R.P.M lied and deceived me to collect money that was never due.
Consumer complaint received 2022-12-19
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Navient Solutions, LLC. (IL)

Im wondering what can be done about someone ( myself ) who went to a for profit school. I went to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its no longer a school. When I was XXXX  I didnt realize I was going to a school that was not accredited. I paid all my private loans in full. I tried contacting Navient loans but as you can probably guess they were less than helpful. 

None of my classes from XXXX XXXX can be transferred to a different school unfortunately. I would literally have to start from square one. I feel that this is fraudulent and not lawful. 

I paid {$38000.00} for a degree I can do nothing with.
Consumer complaint received 2024-09-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC (NY)

Apparently, the letter from TSI was mailed to my old home address dated XX/XX/year>, which is my parents home, and I had received this letter only today XX/XX/year> ( my parents thought it as scam and therefore had not informed me at the time ). The letter states that as of XX/XX/year> I owe {$1100.00}. The letter includes account information with facility as XXXX. I was supposed to dispute by XX/XX/year> according to the letter. 
My parents also handed me today another letter from XXXX XXXX XXXXXXXX XXXX that had been mailed to their address dated XX/XX/year> which informed me that there is the unpaid balance {$840.00} from transportation service that had been provided on XX/XX/year> ( thats when I got discharged from XXXX to XXXX XXXX ). I am told to call XXXX XXXX XXXX customer service to ask them to reprocess my claim for the entire amount owed, which I will try tomorrow. 
It seems that these two letters are somehow related to XXXX, but I am not so clear as to what the first letter charges me for ( 2nd letter at least is regarding the transportation fee balance, but 1st letter did not indicate which service was used ).
Consumer complaint received 2022-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I reached out to XXXX once I discovered my account was flagged as delinquent. This was a surprise to me because my account has been on auto pay for over 10 years since my account creation. I had to call XXXX over XXXX times before a representative thoroughly investigated this matter. Through discovery, it was brought to my attention that XXXX had migrated from a legacy system which removed customers autopay. As a result, my account went into a delinquent state. This is clearly no fault of my own. I finally was able to get XXXX to submit a letter on my behalf to remove this late payment. However, the credit bureau 's did not remove this late payment and XXXX has stopped assisting. This is not fair or accurate reporting and has had a negative impact on my credit score. I work for the federal government and this is critical to my employment. This is completely unacceptable and poor practice.
Consumer complaint received 2022-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc (NV)

This has to do with pay pal and started way back in 2014. While moving from place to place personal information was collected by individuals that were helping out until a place could be found to live. This put private information at mercy of the home owner by means of controlling the US mail and as well communication via the internet. After leaving said residence the homeowner or main occupant still has the mail and keeps for self or does right thing and hands over even after change of address, which can be stopped by homeowner by accessing mail of said victim. With that said the homeowner now has access to bank accounts and debit cards and financial institutions of said victim and all is exposed leaving victim helpless and now bullied harassed and helpless. Any complaints made to banks or credit card companies PayPal XXXX and on and on are pushed away and not addressed because said homeowner has taken over identity. Homeowner is said to be the perp of an XXXXXXXX XXXX XXXX by XXXXXXXX in a different state that has not been convicted due to the reason of running. So this homeowner has been using said victim for many years and taken everything from said victim XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. So many business here and many people involved.
Consumer complaint received 2022-12-18
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A. (MI)

I had 2 promotional balances one that was to expire on XX/XX/XXXX ( XXXX call this # XXXX ) and one that expires in XX/XX/XXXX ( XXXX call this # XXXX ). I allocated all of my payments after the minimum payment to the promotional balance that was to expire in XXXX ( # XXXX ). This allocation was made on XX/XX/XXXX. The promotional balance for # 1 was {$99.00} prior to an extra payment of {$100.00} that was made on XX/XX/XXXX and should have completed promotional balance # 1. However somehow that {$100.00} payment was applied to promotional balance # 2 erroneously. I call Citibank 4 times, the first time was in XXXX ( around the XXXX ) after the payment was made, to ensure the payment made was allocated to the correct balance, I was assured it would be. The second call was early XXXX when I noticed it indeed was not allocated to the correct promotional balance. I was told it would take about 2 weeks but it would be fixed. I then called a third time on XX/XX/XXXX and spoke to a XXXX named XXXX, because it was still not corrected. I was on the phone with her for over an hour to get this fixed to make sure I wouldnt be charged the interest for this promotional balance. XXXX told me it would take a couple more weeks for this to be resolved but I should see it fixed on my next statement. I expressed concern because I had been trying to get this fixed for well over a month and when I get my next statement it would be past the expiration date of the promotional period. She told me not to worry because it is documented that I have been trying to remedy the situation for a month and a half that Citibank would make sure I wouldnt be charged the interest associated with this promo balance. To my dismay when I looked at my statement on XX/XX/XXXX, I was in fact charged the interest for this promotional balance that was supposed to be paid off on XX/XX/XXXX. I called Citibank again today and spoke with a woman named XXXX XXXX her ID number is XXXX ) XX/XX/XXXX and explained the situation for the fourth time and was then told there was nothing they could do except to give me a mailing address with a XXXX XXXX XXXX send a letter and file a complaint. This is not the first time Ive had a misallocation of funds from this bank. The exact same thing happened last year as well. Luckily I have always kept meticulous records and they were able to fix the situation last year but somehow this year they are unable to fix the issue. My promotional balance that was to expire on XX/XX/XXXX shouldve been zeroed out on XX/XX/XXXX and I should not have been charged the interest for that balance. I have a big concern for not only myself but for other customers that are not as attentive to their finances as I am. Please help me with this issue and hopefully this will deter them from doing this to others. 
Sincerely, XXXX XXXX
Consumer complaint received 2022-12-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of Fort Walton Beach, Inc (MI)

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (KY)

15 USC1681 section 602 A. States I have rights to privacy 15 USC1681 section 604 A Section 2. it also a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C. ( a ) ( 5 ) Section States : no copnsumer reporting agency make may consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes wich antedates the report by more than 7 years 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (PA)

I checked my credit report today to find that my credit score recently dropped XXXX points because of a derogatory mark on my credit report from XXXX. 
First of all, I have a 100 % rating on making payments on a timely basis and I don't understand how any credit reporting company could suddenly drop a credit score XXXX points because of a negative mark of {$85.00} FROM 8 MONTHS AGO. That is excessive especially since other credit reporting companies never dropped that much. 
Second, I have no idea who XXXX XXXX XXXX is and the information they are providing is false. 
Third, I HAVE REPORTED THIS FALSE INFORMATION TO ALL XXXX CREDIT REPORTING COMPANIES SEVERAL TIMES OVER THE YEARS AND IT HAS BEEN REPEATEDLY REMOVED BY ALL CREDIT REPORTING COMPANIES EXCEPT XXXX AND EXPERIAN but my credit score ahs n't been affected at all with Experian. My efforts to dispute this negative mark with XXXX and Experian has been futile.
Consumer complaint received 2022-12-18
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: Experian Information Solutions Inc. (IL)

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX In accordance with Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 Section 602A states : I have a right to privacy 15 U.S.C. 1681 Section 604A Section 2. It states that a consumer reporting agency can not furnish an account without written instructions
Consumer complaint received 2022-12-18
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A section states a consumer reporting agency furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end Consumer credit plan as as late for any purpose.
Consumer complaint received 2022-12-19
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (FL)

Freedom Mortgage is aware of my participation in the XXXX program. I have called Freedom Mortgage on XX/XX/22 on which I spoke to XXXX inquiring about my XXXX payment being received on which he said no and that I should reach back out to XXXX. I contacted XXXX on XX/XX/22 on which I spoke with XXXX who confirmed that the payment was sent out on the XXXX of XXXX. I called Freedom Mortgage on XX/XX/22 on which I spoke with XXXX ( ID # XXXX ) in which she stated that there is no payment made on my account for XXXX and she doesnt see where the payment was received on her end. I sent a secure message in the Freedom Mortgage app on XX/XX/22 asking again about my XXXX payment in which I am still awaiting a reply. On XX/XX/22 I spoke with XXXX ( ID # XXXX ) from Freedom Mortgage asking about my XXXX payment in which she stated she doesnt see any payment for XXXX. I would like to know where my XXXX payment is as it was sent the same time last month and received with no problem. This is very frustrating and stressful and I would like answers as there are a few people who I am friends with whos also working with the XXXX program that have received their XXXX payment and theirs was also sent out on XX/XX/XXXX.
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX is reporting this account on my credit report and i have written them as well as all 3 credit bureaus challenging the 100 % accurate reporting of this account and each time they all send back a letter saying it is verified as accurate ... how is that possible? i have pointed out the inaccuracies to them all multiple times and they still ignore it and continue to violate my consumer rights... .i have attached a copy of how its reporting on my credit report for reference .....

they are reporting 3 different high credit limits XXXX  reports {$950.00} experian reports {$0.00} XXXX reports {$910.00} they are reporting different dates of last payment on my report XXXX  and experian are reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX they are reporting 3 different dates of last active XXXX  reports XX/XX/XXXX experian reports XX/XX/XXXX XXXX reports XX/XX/XXXX i believe they are not conducting full and proper investigations as required by law ... .this reporting is not 100 % accurate at all and they are pencil whipping the responses
Consumer complaint received 2024-09-22
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (LA)

I was XXXX XXXX XXXX just trying to go to college when I was forced to sign paperwork and told a bunch a lies at the first school I went look at which was XXXX XXXX. They told me all the nice things that they wanted me to hear and told me that I would only have federal loans, but I didnt end up with just federal loans I had private loans as well and didnt notice until I got older. Looking back, I signed paperwork that I didnt even get a chance to read because they snatch it back so fast. My program at the school was a scam, they took the program away from us and had us go to another program which really wasnt a good fit for me. Next thing I know Im XXXX almost XXXX XXXX XXXX with all this debt that is so hard to pay back when I was used by this school as well as many others. My federal loans has been discharge due to the fraudulent behavior by this school, but my private loans have not. Navient denied my application. Its so hard to find a place to stay or even do things I want to do with all of this hanging over my head. I just want these loans to go away so I dont have to spend the rest of my life struggling and stressed out.
Consumer complaint received 2022-12-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation (WV)

15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b states a creditor may not treat my payment on a credit card account under an open end credit consumer credit plan as late for purpose
Consumer complaint received 2022-11-23
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)

You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2022-12-19
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. (CA)

I have things on my report that shouldnt be there and Ive disputed these thing numerous times just to not have anything done about it come to find out there has been a information breach to where my personal info has been taken and used
Consumer complaint received 2022-12-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (IL)

Merchants credit guide company sent me mail stating I have debt from XXXX XXXX immediate care. Debt of {$400.00} is owed which is false. I have emails and text proof from the hospital stating I only owe {$250.00}. Im confused as to how I have been getting one notification a month from them stating the same amount is due. Yet somehow all of a sudden your company is claiming I owe {$400.00}. I can not afford to pay right now I have quit my job from being harassed by my boss and will pay when I am able and have a new job. I do not appreciate constantly receiving phone calls from multiple different numbers ( maybe 4/5 ) per day, as well as mail. Stop trying to scam me for more money. Thanks
Consumer complaint received 2022-12-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (VA)

On the XXXX of XXXX, an individual contacted me saying that they needed XXXX dollars because they were unable care for their dog. They said they would pay back {$320.00} on the XXXX. After I sent this payment, she was very uncommunicative. On the day that she was supposed to repay me, she blocked me on the social media that I was using to talk to her and I am unable to communicate in order to get my money back. As it stands, she stole my money and had no means to ever pay me back. I filed a claim through PayPal, however, they said that the transaction in question didnt count as a service that they can refund me for. They told me to contact my bank and file a claim for the transaction. After filing a claim a few days ago, I wanted to check the status of it today, but when I called my bank, they notified me that the claim has been denied since the transaction was authorized on my part and they would be unable to help since it was a service. Im worried that I wont be reimbursed for this, since the money in question came from my savings. The screenshots in question show the chats I had with her, and the proof that I tried to dispute a transaction with PayPal.
Consumer complaint received 2024-09-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc. (TX)

I am reaching out to dispute the reporting of an account by National Credit Systems ( NATLCRSYS ) on my credit report, as it fails to comply with the accuracy requirements established by the Fair Credit Reporting Act ( FCRA ). Despite my numerous attempts to validate this account through both the credit bureaus and collection agencies, I have not received a response. I have reason to believe that reasonable procedures were not followed in the validation process, resulting in current violations affecting my credit profile. 

This NATLCRSYS account is inaccurately reported as a collection/charge-off with an open status and a balance of {$3600.00} across all three credit bureaus. XXXX reflects the account as open, while XXXX and XXXX show it as closed, leading to significant inconsistencies. Furthermore, XXXX indicates that the dispute has been resolved, while XXXX and XXXX still note consumer disagreements, creating a misleading impression of my credit history. 

These discrepancies and unresolved notes have negatively impacted my credit standing. Therefore, I kindly request that this account be removed from my credit report due to its inaccurate and inconsistent reporting. 

Thank you for your prompt attention to this matter. I look forward to your response.