davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-07
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Sent certified letter to XXXX that they signed and received on XXXX/XXXX/17 alerting to them the fact that Portfolio Recovery Associates which I have been disputing directly with PRA and XXXX reported the same account to them on XXXX/XXXX/17 and it dropped my FICo score by XXXX points. This alleged account has been on my reports for awhile and I have been challenging it for some time. It looks to be reinserted which I was not notified of within 5 days and this is in violation of FCRA 611 ( a ) ( 5 ) ( B ) ( iii ). I am including the XXXX report XXXX dated XXXX/XXXX/17 and report XXXX dated XXXX/XXXX/17 which there is no change of reporting except date of status. This has always been reported as a collection account. I am also attaching a print out from my credit monitoring service dated XXXX/XXXX/17 showing that Portfolio Recovery XXXX has flagged the account as collections and a copy of the alert on XXXX/XXXX/17 stating a new collection has been added to my credit report causing the score to drop XXXX points! This is inaccurate reporting and I want the account removed and the XXXX points returned to my FICO score. Not sure what games Portfolio and XXXX are playing but it has to stop.
Consumer complaint received 2017-06-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Profit Services Group (FL)

I have called the company responsible for reporting an account in " Open '' status multiple times over the last year, at least 5 times. Each time I call they refer me to XXXX who maintains they only report what they are given. There is an account that has settled in bankruptcy a year ago, and the company each month since then reports it as " Open Collections '' status and it should be " Closed '', as this was included and closed in bankruptcy.
Consumer complaint received 2017-06-07
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (DE)

Account XXXX AES American Education Services I  called when I first starting getting bills from this Company that stopped billing over 5 years ago ; due to my co-signer being in bankruptcy. This caused them to capitalize over {$4000.00} in interest without ever reaching out to me to make payments on this student loan. At this point in time I just had a baby in XXXX 2016 and I have a medical bill and I asked that the {$210.00} payment be modified to half of the {$210.00}. They made me fill out paperwork and it took over 2 months to complete as they do not respond to questions - I sent paperwork via email and via ax and still took over 10 days to process. I think they have customer service issues due to these delays and then they denied request - due to insufficient income ( really ) I told them I needed a modification and I disagreed with the capitalizing of interest with no attempt to contact ME while co-signer was in bankruptcy. I would like the interest that was capitalized reversed and I would like a payment modification for at least the next 12-24 months ; in addition speak to the modification people to understand how this works and why they have such limited abilities to accommodate struggling times.
Consumer complaint received 2023-04-15
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: FREEDOM FINANCIAL NETWORK (MD)

Re : Freedom Plus Personal Loan ( Achieve Personal Loan ) I made a payment on XX/XX/XXXX to cover the XX/XX/XXXX payment due. However the company did not make my payment effective until XX/XX/XXXX because they had a system that delayed pmt effective date by 2 business days. I believe the company has now changed the system and now payments are effective 1 business days after being made. I requested the company to reverse the negative reporting, it is unfair for a customer to be penalized for a bad processing or system. Making a payment and having it be effective 2 business days after is inefficient and customers shouldt have to suffer the consequences of that. This is the only negative reporting I have from this company in nearly 3 years of my account with them.
Consumer complaint received 2021-02-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Neon Newco Corporation (OH)

XXXX XXXX have been charging my debit card for 6 months without me knowing dont even have a XXXX account, i never used XXXX in my life i went to my bank to dispute, and advised i have never given XXXX permission to debit my account monthly, and please dispute these charges for me and they refused. i have emailed paypal prepaid card master and XXXX a copy of my identity report and yet they still feel to correct this matter and refund my monies back to me. 

XX/XX/XXXX XXXX XXXX XXXX/bill WA {$14.00} they have been charging my debit card every month with out me knowing this is how they responded or File a dispute InboxSentInboxSent XX/XX/XXXX XXXX Dispute Resolved - No Account Credit Claim Date : XX/XX/XXXX Claim Number : XXXX Claim Amount : {$42.00} This email is to inform you that we have made a final determination regarding your inquiry about transaction ( s ) on your account. 

Based on the results of our investigation and the fact you reported this dispute more than 60 calendar days after electronically accessing your account where the error first appeared, you are fully responsible for these transactions. No funds will be credited to your account as a result of this claim, and this matter is considered closed. 

If you have additional questions, please contact the Customer Service number printed on the back of your card during normal business hours. 

Sincerely, Dispute Resolution Department REPLY TO THIS MESSAGE..
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (CA)

Hello, I am holding XXXX XXXX with XXXX Miles and More Program. As part of Barclay 's Miles & More Mastercard Benefits ( please see attached screenshot from the Barclay 's ), I am entitled to get Annual Fee Waiver.

I have contacted Barclay 's customer support team over their secure message and phone. None of the representative were able to assist me on this issue. They asked me to contact XXXX which does not have anything to do with Barclay 's annual fee at all. 

Last representative that I talked on XX/XX/2023, called XXXX Miles & More to verify my Senator status. Although the XXXX agent was able to confirm my status, they further asked my XXXX XXXX copy via FAX, yes in XXXX they still want me to FAX a document. 

I sent out 3 faxes under the case number XXXX, and still not yet received any communication or update on my account.
Consumer complaint received 2023-04-15
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. (MO)

Hey, I'm XXXX XXXX and I'm here to follow up on a complaint I made earlier. I need you to investigate and fix some stuff on my credit file as per the Fair Credit Reporting Act. Firstly, there's an account called XXXX  XXXX that's showing a past due balance even though it's closed with a XXXX balance. That's just bad record-keeping, so please fix that ASAP. Secondly, another account called XXXX XXXX is also showing a past due balance even though it's closed with XXXX balance, which could mess up my credit. So please fix that too. And lastly, there's an account called XXXX XXXX that has the wrong payment status and history. It's showing a balance even though it's supposed to be a charge-off with a XXXX balance. So please provide proof of the last payment made or just remove it from my credit file altogether.
Consumer complaint received 2023-09-29
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: AMERICAN EXPRESS COMPANY (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2023-09-29
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Resurgent Capital Services L.P. (FL)

On or about XX/XX/XXXX, Authorized Agent, XXXX : XXXX sent the following correspondence : CERTIFIED MAIL NO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Chief Financial Officer LVNV FUNDING LLC d/b/a RESURGENT CAPITAL SERVICES LP ( " LVNV '' ) c/o XXXX XXXX XXXX XXXX XXXX XXXX South Carolina XXXX Re : Alleged Debt Account # : ending in XXXX XXXX XXXX, This instrument is a NOTICE OF DEFAULT IN DISHONOR AND CONFESSION OF JUDGMENT upon the following instrument presented in a private communiqu : NOTICE OF ALLEGED DEBT DISPUTE mailed on or about XX/XX/XXXX via U.S.P.S Certified Mail Article No XXXX XXXX XXXX XXXX XXXX XXXX and received by your offices on or about XX/XX/XXXX. 

Your failure to respond with the CREDITOR DISCLOSURE STATEMENT as requested in said Notice, providing your verified PROOF OF CLAIM in the form of a sworn rebuttal affidavit, under your full commercial liability, signing under the penalty of perjury that the facts contained therein are true, correct, complete and not misleading, is taken as agreement to your commercial dishonor, XXXX XXXX, exhausting my administrative remedies. 

Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act ( FDCPA ) is construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees. 

******* LVNV moved forward and took legal action against the Beneficiary of the XXXX XXXX XXXX XXXX ( " Principal Debtor '' ) and secured a default judgment for a wage garnishment of the Beneficiary property. 

On XX/XX/XXXX, we sent a Notice To Cease and Desist ( Contract ) via U.S.P.S. Priority Mail Express XXXX. XXXX XXXX XXXX XXXX XXXX as our good faith offer on behalf of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) to give their client an opportunity to cure its breach of trust and voluntary dismiss the case in light of LVNV 's egregious violations of 35 violations of the FDCPA and the FCRA as well as the State of Florida Statutes Titles XXXIX and XLII, 18 U.S.C. 1341 and 1342, 18 U.S.C. 241, 15 U.S.C. 1 and 2 and Beneficiary 's 4th amendment rights to the Constitution. 

On XX/XX/XXXX, XXXX garnished Beneficiary 's check in the amount of {$1400.00} for an unvalidated debt based on a fraudulent default judgment secured by XXXX on behalf of their client LVNV. 

XXXX XXXX XXXX and XXXX are complicit in this fraud upon the court and acting as a debt collector is subject to the FDCPA and FCRA as well.
Consumer complaint received 2021-02-19
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: WELLS FARGO & COMPANY (CA)

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and XXXXXXXX XXXX  and Wells Fargo. The Account Opened is XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is Wells Fargo Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Consumer complaint received 2023-04-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-31
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (MI)

On XX/XX/2020, after weeks of design support, I purchased {$11000.00} worth of furniture in store at XXXX XXXX in XXXX XXXX, MI. At the time of payment, I opened a XXXX XXXX credit card to receive 10 % back in rewards. There was a promotional option to receive no interest on the credit card. I rejected this option. I had discussed spending my {$1100.00} expected reward dollars in store with my designer on accessories for my new home. 

When my first credit card bill arrived, I paid it off in full. When my second credit card bill arrived, I paid it off in full. At this point, I realized I was not accumulating any reward dollars. I contacted the credit card company & was informed I was not eligible for points because my purchase was selected for the promotional plan to receive no interest for 12 months. I did not consent or agree or want this. I knew a mistake had been made. I wanted to spend my 10 % reward points in store, hence why I had been paying off my balance each month. 

I contacted the associate who originally completed the transaction who immediately apologized & took responsibility. I was contacted by the store manager and referred to dispute this with the credit card company which I did immediately. Several weeks later, I was informed my dispute was rejected with no room for appeal or follow up. I contacted the store manager, who assured me I would be contacted within 24 hours. It has been been 4 days since that conversation & I have received no follow up. 

I expect a resolution to financially compensate me for the lost reward dollars.
Consumer complaint received 2019-11-08
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: SYNCHRONY FINANCIAL (PA)

JC Penny continues to furnish unauthorized inquires on credit file dated XX/XX/2018. Made several attempts to resolve with JC Penny and company failed to comply according to FCRA Guidelines.
Consumer complaint received 2023-04-04
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. (NC)

I am submitting a complaint to you today to inform you I was the victim of identity theft. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts and information listed on an ID THEFT RPORT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX MS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX PA 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 can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-04
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. (TX)

n accordance with the Fair credit Reporting Act, XXXX Account # XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2023-04-04
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. (FL)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments. In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy, and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXXXXXX 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 XXXX XXXX
Consumer complaint received 2023-04-04
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original creditor : XXXXXXXX XXXX  ) XXXX Balance : - ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX  Inquiry XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-04
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: Experian Information Solutions Inc. (TX)

Disputed with XXXX XXXX, XXXX and Experian and did not get return resolution for disputes or responses at all. No reports mailed back to me and no response in email from any of, these institutions sent disputes to each company on XX/XX/2022 they are over way over the time frame that a response should have been completed and returned to my home address on file