davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-13
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. (MI)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX Balance : {$89.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$510.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} XXXX XXXX XXXX XXXX  Balance : {$8600.00}
Consumer complaint received 2020-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (CA)

Account opened with XXXX on XX/XX/XXXX. 

Account closed on XX/XX/XXXX. 
Upon closing the account at the XXXX XXXX Store, I paid {$340.00} ( the last month payment for two lines XXXX and XXXX ) and returned all hardware to XXXX XXXX. The location of this store is XXXX XXXX XXXX. 

After XX/XX/XXXX, I received charges for {$460.00} ( for XXXX ) and {$170.00} ( for XXXX ). I contacted XXXX XXXX with XXXX ( XXXX ) multiple times via email to explain these charges were wrong because the account was closed on XX/XX/XXXX. I included the XXXX  because I required further assistance to try to communicate my issue. Since I did not hear from XXXX, I assumed the matter had been solved. 

At this time, XXXX has an incorrect request for the amount of {$1000.00} because I should only be charged for the services up to XX/XX/XXXX. This amount has been sent to sunrise for collections and affected my credit score. I have made this request with XXXX on XX/XX/XXXX with XXXX ( XXXX ). 

I would like XXXX to only charge me the final month of the phone usage, remove the charges after XX/XX/XXXX and remove me from collections. I would like to ensure my credit score returns to its primary state.
Consumer complaint received 2020-01-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (CA)

I'm a XXXX year old XXXX Veteran. Sometimes I forget things. I forgot to pay my Barclay 's of Delaware credit card on the due date. I paid well over the minimum due however it was three days late. I called them and they removed the {$39.00} late fee. A few day later I got an email from XXXX  indicating that my FICO score had dropped 90 points. It seems Barclays, reported my payment 30 days late twice. I always pay my debts on time except for this lapse. I contacted their customer service department twice through email with no response. I spoke with one of their agents who told me I would be required to send letters to all credit reporting agencies. This is ridiculous, it is their mistake.
Consumer complaint received 2020-01-02
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. (FL)

THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.
Consumer complaint received 2024-08-23
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (FL)

On XX/XX/XXXX I was notified first by Capital One that a charge was pending for {$460.00}. I did not know what it was so I logged in to see what it was for. This merchant is an online Dr service for a prescription drug that requires screening. I had made a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I told the company that and cancelled. I did this through their online website and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I spoke with regarding exiting the program. This was XXXXXXXX XXXX XXXXXXXX I called immediately to dispute the charge and block the merchant. 

The merchant then sent me an email with an invoice saying that my credit card will be charge. I emailed them immediately notifying them that they were indeed wrong and I did in fact cancel. 

They denied my cancellation and proceeded to send the package anyway. 
Then tell me we do not issue refunds after the package is sent. This was XX/XX/XXXX. 
I have proof of the timeline of the postage label that was created showing the exact timeline of they conversions by email and with proof from USPS. The label was created XX/XX/XXXX and not dropped off and registered as received by post until late at night XX/XX/XXXX. 

At first the dispute started easily. But shortly after a very brief review it was reversed and the charge was returned to my card. I called to complain explaining and trying to understand how a credit card company can not advocate for me. This company is sending illegal prescription without seeing XXXX XXXX XXXX medical professional. XXXXhis DR , RN, Pharmacy and merchant were breaking the law. This is prescription fraud, medical malpractice, Illegal and predatory. 

I escalated my issue to speak with the manager of the Fraud department. He stated that they are only obligated to follow XXXX XXXX and that unless I had 3 specific things there was nothing they could do. I asked to speak with his supervisor and he said he was the last stop. This sounded very much like a call center in the XXXX. I asked " XXXX '' the supervisor for a copy of the conversation and he stated that is not a practices that they do. 

In essence protecting the criminals. 

From there I continued to submit additional documents in hopes that they would fulfill their requirements. 

They continue to keep the dispute closed. 

I have filed a complaint with the Federal Trade Commission against the company, the prescribing RN and the pharmacy. I notified the FBI regarding this racket and I have also made a complain with the medical board against the RN that wrote a prescription to a person who XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and would know does not qualify to take medication if they bothered actually seeing a patient and not lying about it.
Consumer complaint received 2024-09-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: National Credit Adjusters, LLC (FL)

I Recently Checked My Consumer Reports and found an Improper Usage of my credit from XXXX XXXX XXXX XXXX XXXX XXXX which then Sold my information to National Credit Adjusters LLC . Which is in violation of the FCRA in pursuant to 15 usc 1681b you never had permission to furnish any of my information to any credit reporting agency or collection company. I am demanding a deletion of this alleged debt at once. Below I attached a cease and desist and validation of debt letter.
Consumer complaint received 2023-07-28
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. (OK)

I have noticed some inaccuracies about an account on my credit report. I noticed that XXXX XXXX was reporting some things inaccurately so I sent a letter to XXXX XXXX to verify the account for validation. They sent me a letterhead with verbiage that it belonged to me with no contract or proof that this account belongs to me. As I look at the discrepancies, the account type detail is reporting differently on XXXX as an auto loan and not an installment account. The balance is showing {$3600.00} on Transunion and {$3600.00} on XXXX and XXXX. The terms are 51 months on XXXX, but monthly on Transunion and XXXX. It was last reported on XXXX different dates, XX/XX/XXXX with Transunion, XX/XX/XXXX with XXXX, and XX/XX/XXXX on XXXX. The Date of Last Activity is different across all XXXX bureaus, XX/XX/XXXX on Transunion, XX/XX/XXXX on XXXX, and XX/XX/XXXX on XXXX. There is also an inconsistency with the way the comments on the account are placed between Transunion and XXXX. I want this account deleted for several reasons. It was very lazy and lack of follow-through on XXXX XXXX for proper debt validation which is a violation to me as a consumer over my request. Also, all three credit bureaus can not report inaccurate information. If all information is coming correctly from XXXX creditor, then why are all three credit bureaus reporting something different? Please delete this account from my XXXX, XXXX, and Transunion credit reports for inaccurate and unfair reporting.
Consumer complaint received 2021-08-25
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (PR)

I open on XX/XX/2021 a RMA. This mortgage assistance was approved by the relationship XXXX XXXX XXXX. I want the approval of XXXX XXXX XXXX. I have him recorded on all the calls confirming that the RMA FOR {$100000.00} was approved. They dont respond for the offer and their service is poor. I need the assistance honored.
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (PA)

The bank, TD Bank asked me for my account number or my Social Security number. 

They asked me in letter to contact them if I did not open up an account. 

I never received an account and I will not give out my Social Security number to an unknown source. 

Their nearest office is a few hundred miles away from me. 

I was told to get in touch with two credit agencies, FTC and the Social Security XXXX.
Consumer complaint received 2021-06-10
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: CITIBANK, N.A. (PR)

I wrote to Cfpb around 2 months ago, in reference to a debt that the credit bureau has in records, and is decreasing my score. The company is Sears, they have never tried to contact me, I wish they would have done it. I have notified the credit bureaus but seems that is not important what I say. 
Even I cant get in to 2 of them, seems to be blocked, since I was one of the affected in 2017, with all the data that disappeared from XXXX  Meanwhile my score is decreasing more every time and is really affecting me seriously, since I have a small business, that besides, is being affected by the pandemic, is also seriously affected by this issue. 

I CERTIFY that I do not have an account with Sears. 
I am entitled to see the source of the information, which is the original contract that contains my signature since it was opened. 
I called the company involved once and they told me that they did not find me, they didn't know what I was talking about. 

Can you please suggest me what to do?
Consumer complaint received 2023-04-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (CT)

I have been on an amortization schedule with this lender that was pre-set when the loan began and saw no changes for over a decade. The loan was scheduled to be paid off by XXXX. I have been overpaying by at least {$80.00} every month for the last 2 years to finish paying off the loan faster. In XX/XX/XXXX, I noticed my monthly payment had drastically increased, although the amortization schedule didn't list an increase until XXXX of XXXX. What's more, the increase was much more than specified in the amortization schedule. I had a couple of late payments, so I thought perhaps my overpayment hadn't been applied to the late fee, and it was rolling over. 

After reaching out to the servicer for clarification, however, I was told this was not the case and that my servicer had readjusted my payment schedule " to ensure I paid the loan off on time ''. I have been overpaying > {$80.00} to this servicer every month since at least XX/XX/XXXX and was poised to finish repaying the loan earlier than anticipated, so this reply doesn't make any sense. 

Furthermore, the new monthly payment is almost double the usual amount, and at least {$100.00} more than the expected amortization increase for XXXX. I checked my amortization schedule when I first noticed the monthly increase and it showed the schedule set at the start of the loan. I checked it again after receiving the reply from the servicer and saw that it had been changed to something very different and only shows the next few years at this new payment schedule, and not the entire schedule ( from the start of the loan ), like it used to. 

I believe this company is trying to make up for losses in interest payments, that may be arising from the potential upcoming student loan forgiveness legislation, by drastically increasing monthly payments. There is no reason for this sudden increase and change to my account. It is also very strange that they would hide all of the previous amortization information. Please look into this. The servicer is Navient. I have 2 FFELP loans through them.
Consumer complaint received 2023-04-02
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. (NY)

Dear CFPB, I am filing a complaint against XXXX regarding my account number : XXXX. The issue at hand is the inaccurate reporting of two late payments on my credit report.

I have noticed that Experian is reporting XXXX XXXX as 30 days late, while XXXX is reporting XXXX XXXX as late. This is a clear case of inaccurate reporting, and I am requesting that this error be corrected immediately. 

Under 15 U.S. Code 1666b, I have the right to dispute inaccurate information on my credit report. Additionally, 15 U.S. Code 6801 ( b ) 3 requires that credit reporting agencies ensure that the information they report is accurate and up-to-date. Lastly, 15 U.S. Code 1681b outlines the permissible purposes for obtaining and using consumer credit reports. 

I believe that XXXX has violated these consumer protection laws by reporting inaccurate information about my payment history. As a result, my credit score has been negatively impacted, and I may face additional financial consequences. 

I am requesting that XXXX correct their reporting errors and update my credit report to reflect the accurate payment history on my account. I would also like to request any documentation they used to determine that I was late on my payments. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

There is inaccurate information reporting on my XXXX and Transunion credit report. They are reporting an account in which I do not recognize. Transunion is reporting the account as XXXX XXXX while XXXX is reporting it as XXXX XXXX XXXX XXXX. How does this meet FCRA regulations when the account numbers are different? All data furnished should be the same and consistent, but this account is not. I have only 1 closed account with this company, and this is not the account. I am requesting that this inaccurate information is deleted from my credit report immediately. I will attach the inconsistent credit report.
Consumer complaint received 2020-06-13
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: ERC (FL)

HIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! THIS ACCOUNT IS NOT MINE! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND THEY HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I  had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 
I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


A DELETION OF THIS FROM MY ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. I need this Account removed to be eligible to buy a house have a heart and remove it please.
Consumer complaint received 2024-11-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC (PA)

Sent disputes off 4 weeks ago to SUNRISE CREDIT SERVICES GROUP. The account that I'm disputing is inaccurate, unverified and a violation of the FDCPA and the FCRA. I REQUESTED THE DELETION OF THE ACCOUNT BUT IT IS STILL REPORTING ON MY CONSUMER REPORT. IF CONTINUED TO REPORT I WILL TAKE OTHER ACTIONS FOR MY REMEDY
Consumer complaint received 2024-11-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Penn Credit Corporation (MI)

PENN CREDIT CORPORATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX FRAUDULENT PENN CREDIT CORPORATION ACCOUNT RE : XXXX XXXX XXXX  ACCOUNT # XXXX TO : PENN CREDIT CORPORATION : Under the provisions of [ Public laws 95-10 995th Congress and 99-361 99th Congress ], known collectively as the Fair Debt Collection Practices Act ( FDCPA ). I am formally notifying you to Cease and Desist all communications with me regarding this alleged debt, or any other alleged debts that you allege I owe to your XXXX XXXX XXXX 

RE : XXXX PENN CREDIT CORPORATION ACCOUNT RE : XXXX XXXX XXXX  ACCOUNT # XXXX Please be advised that if collection attempts continue after the receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Michigan State Attorney General 's Office. 

Additionally, if I am contacted again after receipt of this notice, I will pursue both criminal and civil claims against you in your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. 

Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handle it with the full legal rights and remedies available to me with regards to current consumer protection laws.
Consumer complaint received 2020-01-02
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: AMERICAN EXPRESS COMPANY (NJ)

XX/XX/XXXX American Express has hired XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX to collect on my debt of XXXX. 

I am not disputing the amount owed or any interest owed to American express. I have been discussing my account with American Express, and trying to work out a reasonable solution. 

I was receiving many phone calls at work and I did not want to discuss my personal business on the phone. 

XXXX XXXX XXXX did an area search of all my neighbors and reached out to a retired Sheriff and asked them to reach me for a personal business matter - which means to anyone including a Sheriff its a debt collector. This neighbor has nothing to do with my family and should not be exposed to my personal information. 

When I complained to XXXX XXXX XXXX - the response was they will remove the number and add it to a do not call list. They told me it was in my contact list in my American Express Profile. This does not make sense, I never created a contact number in my American Express profile for this neighbor, which does not share our family name. So XXXX XXXX XXXX lied to me knowingly breaking the law on sharing personal information on a US consumer. 

I clearly understand the motive and I understand the job of a debt collector, it is the blatant abuse of a person in debt like me from firms like XXXX XXXX XXXX that must stop. 

The tactic being used is to embarrass and humiliate the debtor to submission. I was always in contact with American Express and I intend to make good on my debt. 

XXXX XXXX XXXX  intentionally contacted my neighbor to create a atmosphere of guilt and shame and purposely reached out to a local law enforcement officer ( Retired ) to make sure I would be compelled to call them and make a deal to pay this debt. 

This is unacceptable and illegal. I have been an American Express Card holder since XXXX and now because of temporary hardship issues I must make a different payment arrangements to make good on this debt. 

American Express is a great company and I want to pay this debt in full, I am sorry that I can not pay the debt today, I just do not want to be ridiculed and embarrassed in my own home town.