davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-10
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: CITIBANK, N.A. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-05-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC (MO)

On XX/XX/XXXX I entered into a financing contract with a company by the name of XXXX XXXX XXXX ( which is owned and operated by the parent company XXXX XXXX XXXX ). I had a 90 days no interest agreement which states if my balance is paid in full in 90 days or less that the only amount due is the amount which is financed. I financed {$500.00}. I paid a total of {$700.00}, with {$200.00} being due back to me since I paid the balance in full prior to the promotional periods end date. On XX/XX/XXXX I contacted the company regarding this issue and was advised that they are not going to refund me the {$200.00} owed to me, because a payment was not paid on the XXXX of the month and rather the XXXX. I informed them that was of no fault of mine, and that the contract I signed states very clearly that all payments will come out on the XXXX of the month by auto draft. I argued this case and was advised that I had allegedly logged in on XX/XX/XXXX and removed the auto pay option, which there is no history on my account nor any confirmation communication of this alleged event. I advised that by law they are required to alert me when changes are made to the contract or billing arrangement, and since I know I didn't go into the account to change anything until XXXX ( when I noticed their error and paid it myself in good faith ), and they can't provide any verification of me doing such ( and neglected to provide said verification at the time of the alleged change ), I feel it is well within my rights as a consumer to be refunded the total amount of {$200.00} due to me for interest charged during the 90 promotional period in which I successfully paid back the entirety of the {$500.00} financed amount. 

In my contract it states I need to reach out to their Legal Team with a written notification of dispute, however as I've called multiple times and worked directly with XXXX XXXX ( Operations Support ) over email, they have refused my request for the address to send their Legal Team a certified letter of such dispute. 

Since my requests for good faith remediation of this issue have been denied multiple times, I am reaching out to the Consumer Finance office for assistance getting back the over payment amount in full ( including any fee 's they feel they should charge for said financing service since I've been through this issue ) of {$200.00}. 

Thank you Alternate Addresses and contact information I found for Duvera Billing Services LLC, and XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA, XXXX PR - XXXX XXXX - XXXX CEO - XXXX XXXX - XXXX - XXXX, XXXX, XXXX XXXX
Consumer complaint received 2020-01-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion just charged me {$29.00} ( on XX/XX/2020 ) to see all three of my credit reports at once. I can't believe a scam like that is allowed. It is against federal law ( the Fair Credit Reporting Act ) to charge for a once yearly credit report from all three reporting agencies. TransUnion should not be allowed to charge for access to see XXXX  or XXXX  credit reports. A once yearly credit report is FREE. You should NEVER have to pay for one.
Consumer complaint received 2020-01-11
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MS)

last year i started disputing a late payment with Bank Of America because i've never been late, so they closed my account since then and i have tried to correct the matter with them, they have send my account to a collection agency, the collection agency couldn't verify it, now its with a law firm and the law firm is not verifying anything. All i wanted was for the late payments to be remove.I feel like i'm being Harass Time after time dealing with this issue.I even have a letter from 2018 trying to get this verified
Consumer complaint received 2020-01-10
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CULLEN/FROST BANKERS, INC. (TX)

I filed ch XXXX bankruptcy. After filing bankruptcy, my account became negative and closed. As the delinquency happened during the automatic stay and was fully dischaged, nothing was allowed to be reported. A bankruptcy automatic stay disallows collection efforts of any kind and credit reporting was part of that. Frost illegally put out information that my account was opened and charged off same month in violation of the automatic stay. 
When I disputed this information showing up on my credit report, they reported it to XXXX  as 14 separate chargeoffs.
Consumer complaint received 2020-01-10
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NY)

I need to remove my fraud alert and consumer statement, I have been unable to view my credit, a copy of my ID, social security and XXXX XXXX is attach. 
Please remove it permanently. 
Thank you.
Consumer complaint received 2020-01-11
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA)

XX/XX/2019, I lost my money order at Walmart  supercenter XXXX was informed by Walmart  that MoneyGram did not allow cancel and replace of money order.i called MoneyGram, therefore, MoneyGram stated replacement of money order was not allowed, by businesses.businesses are required to cancel and replace money order that are lost and stolen, which I later found out.moneygram replacement request case number :XXXX.amount $ XXXX.replacement amount would be {$360.00}, for delivery state of Georgia, because processing fee - {$18.00} and delivery fee- $ XXXX-both-removed from XXXX money order replacement.moneyorder was later found and returned.i cancelled replacement money order-tracking number-XXXX.
Consumer complaint received 2020-01-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (TX)

I disputed a transaction with Apple store for XXXX and it been over three months and I received a adjustment but I never received a permanent credit on my account and I have less than XXXX available of credit on my account and the dispute was resolved in my favor ... and I spoke to Goldman Sachs few times and they said they will fix it but it still showing its pending but the dispute was resolved in my favor but Im missing XXXX on my account and my available credit I start out with is XXXX but I never received XXXX at all and it been too long and I spoke to Apple Card over and over and that credit of XXXX never was applied to my account
Consumer complaint received 2020-01-10
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-01-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NC)

XXXX was original creditor & was sold to LVNV funding, which asked XXXX XXXX XXXX to collect. Settled with them for 60 % of debt & they agreed to delete off of report
Consumer complaint received 2020-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-01-10
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC (WI)

I have been trying to work out a deal with the, company Fay servicing but they keep ignoring my mother and me, I am trying to work out a deal with the company but they don't call me back when I called them, and they said the paperwork I sent in has Expired, I am frustrated
Consumer complaint received 2020-01-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

IQ Data called me for the first time today. When I answered, I was told that they had made multiple attempts to contact me previously with letters to my address and that I now owe $ 200+ to an apartment complex I used to live at. The debt collector claimed the apartment management had contacted me multiple times. I have never heard of this debt, despite even being on the phone with the manager of the apartment two weeks ago, when it never came up. When moving out of that apartment three months ago, I provided my new address via email AND by the required form indicating my intent to move out, so the suggestion that they had mailed it to me at the wrong address makes no sense to me. And yet no letters came. Therefore, I told the debt collector on the phone that I would not be paying until I spoke with the apartment manager to confirm the debt. She asked me for my current address, but from my perspective, this person calling me out of the blue and demanding I give her {$200.00} could've just as well been a scam. But when I told her " I won't be paying right now, if you want you can send me a bill because I'm going to speak to the apartment manager '' I was told that if I didn't pay immediately she would mark my account as " refused to pay '' and " we would have to proceed with further collection ''. Threatening me into immediately paying for something I had never been told about, as if to say " or else ''.
Consumer complaint received 2020-01-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NV)

XX/XX/XXXX : I discovered a collection account on my credit report listed as XXXX XXXX. I have two current and open accounts with XXXX and that is all. I did not recognize this account so I filed a dispute with XXXX and XXXX. B XX/XX/XXXX Both disputes were completed as " verified/accurate ''. 

I have never received any written notification nor any voicemails from the collection company Lvnv Funding LLC. I attempted to contact this company twice. The first time I called I waited on hold to get through to someone for 17 minutes. Once someone got on the line, I was placed on hold and disconnected. I attempted to call again the following day and spoke to an extremely rude woman who did not let me finish speaking. She advised she was unable to help me because I did not have an account number. I only had a partial account number that I found on my credit report. I tried to explain to her that had I received proof of debt in writing, I would be able to provide the account number. I requested a supervisor. Placed on a long hold again only to be disconnected for the 2nd day in a row. After wasted time and effort, I decided to file this complaint. I do not recognize this debt and am prepared to seek legal assistance to get this removed from my credit report. The way this company operates is setting off many red flags to me. Had they complied provided me with assistance and mailed me proof of debt in writing, I wouldn't file this complaint. The sheer fact they treat people like criminals regardless if the debt is valid or not is not acceptable.
Consumer complaint received 2020-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OH)

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX XXXX OH XXXX. My DOB is XXXX my SS # XXXX. 
I WAS GOING OVER MY CREDIT FILE AND I SAW SOME ITEMS THAT ARE DEFINITELY NOT ACCURATE!! Please delete and remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The cellphone numbers on my credit report are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2020-01-10
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. (NJ)

My student loans were all consolidated and transferred to the United States Department of Education. All student loans are current and in good standing. However, XXXX is reporting numerous accounts in my name as 120 days late. I have contacted XXXX numerous times in an attempt to have them correct and remove these items from my report, all to no avail. Furthermore, I have disputed these items on the credit reports associated with each of the three major bureaus ( Equifax, XXXX, and XXXX  ), and they refuse to delete the item because XXXX responds to the dispute by stating that the loans are verified and accurate.
Consumer complaint received 2020-01-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-01-09
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources (NC)

I sent two debt validation letters to this company asking for validation not verification of the debt they say I owe in the month of XXXX, 2019. On XX/XX/2019, this company sent verification of what they say I owe but they sent me procedure descriptions that was explaining personal things as if I signed a HIPAA release form but I never signed the HIPAA release for XXXX XXXX XXXX to release my medical information to this collection agency. On XX/XX/2019 FirstPoint Collection Resources , Inc. sent me a letter back acknowledging that I sent them a HIPAA release dispute letter but yet they still did not remove this account from collections. I've already filed a complaint on this company with the XXXX XXXX XXXX, the FTC, the CFPB and the Attorney General of North Carolina. Now this is my second complaint before I sue this company in federal court.
Consumer complaint received 2020-01-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ONLINE Information Services, Inc. (MA)

I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report. 

The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-01-09
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. (NJ)

id theft victim XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX   XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud ) XXXX XXXX XXXX ( not my account due to fraud )
Consumer complaint received 2020-01-09
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: Continental Finance Company, LLC (CA)

I have a Surge Card from Continental Finance and as usual I made a minimum payment due ( {$28.00} ) like I always do every month and they couldnt process the payment 3 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and my payment wasnt posted on the account which resulted in late payments on my credit report. Honestly I thought that my payments were going through and one day while checking my credit report, I noticed that they reported me late 3 times on payments and I even called them many times and stated the problem which was due to their system and they told me they couldnt help me with it. I always made the payments on time but it was some problem on their system and I am the one whose credit report shows 3 late payments. I even called in today and they said theres nothing they could do and they want me to dispute to the credit bureaus instead!!
Consumer complaint received 2020-01-10
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. (CA)

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX REPORT THE LATE ON MY ACCOUNT WHICH NEVER BEEN LATE
Consumer complaint received 2020-01-08
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. (GA)

I submitted an online dispute with Experian on XXXX in reference to a collection account with XXXX XXXX XXXX. The collection was paid in full to a company other than XXXX XXXX. I was notified that XXXX XXXX no longer owned the account and could not accept payment. The results came back on XX/XX/XXXX and Experian reported the account as still open and not paid. On XX/XX/XXXX, the account status was updated as being paid, however Experian did not address the fact that under the FCRA, an account can not be reported or updated if the reporting company no longer owns the debt. At the time of payment XXXX XXXX XXXX   XXXX owned the debt and that is who received the payment in full ... not XXXX XXXX. Experian told me that they were unable to open a new dispute because the account has been paid and advised me to wait 7 years until the collection is removed even though the information regarding the owner of the debt is incorrect. This is illegal