davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-19
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANCO POPULAR DE PUERTO RICO (FL)

I sent a payment of {$300.00} ( {$200.00} money order + {$100.00} personal check ) and it was received by the bank and credited to my credit card on XXXX/XXXX/15. I received the monthly statement showing the payment was received on time by Banco Popular de Puerto Rico. Also, it said no payment was needed next month because of good payment history. On XXXX/XXXX/15 the bank sent me a letter explaining the {$300.00} credited to my credit card was an error. The bank is alleging the {$300.00} were for a different account. So, they withdrew my payment and credited the {$300.00} to someone else credit card. The bank ends by saying all this will be reflected on your next month statement. This situation puts my account as no payment received, so the purchases I made ended up over drafting my credit card. The bank keeps calling me alleging that the payment was ''reverted '' when I asked them what that meant they say it had no funds. My check was chased and cleared by the bank and I doubt that a money order from XXXX XXXX had no funds. Even though they keep calling me, no one can explain clearly what happened, instead they keep asking me for a payment that I already made. Plus, in XXXX/XXXX/15 they received another payment I sent for {$100.00} and it was chased and clear by the bank without trouble. My complaint is that someone is going through all this trouble to steal my money, alleged that no minimum payment was received, charging me late fees, and ultimately affecting my credit report by over drafting an account that should be in good standing.
Consumer complaint received 2023-02-11
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffere
Consumer complaint received 2024-06-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

Hello, I noticed some late payments were charged in my account from XXXXXXXX XXXX. I attempted to pay every time on time and I would receive a message telling me it was accepted. A few days later, the payments did not go through, but instead of letting me know immediately, I was sent a notice the next month saying it was late and I had incurred interest. After attempting to pay twice with incurred interest each time, I called the third month I received a message and paid everything using the same bank account and it went through this last time. Now, I see the reports have been sent the credit bureau despite the late payments not being my fault and me receiving no communication that payments were blocked/stopped/or in any way unable to go through after I attempted to complete them and receiving a confirmation message from the store every time. In accordance with the Fair Credit Reporting Act this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I was contacted by phone today XXXX by XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX They said that I owed money to Bank of America and were threatening to sue. They sent me an email of a letter stating that I owed Bank of America {$2300.00}. I do not remember owing Bank of America anything although I had a credit card with them many years ago. I asked them what was the date of the last transaction and they said it was 18 years ago. I told them that I did not remember owing Bank of America anything and anyway, if I did, the statute of limitations would have passed. They said that they had a copy of a Tolling Agreement signed by me recently which waived the statute of limitations. I have never heard of a Tolling agreement and have never signed one. I asked them to provide such a copy of the tolling agreement with my signature on it and they said that they could only show it to me in court. Then they said that they would have me served with a law suit in the next 48 hours.
Consumer complaint received 2023-06-21
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)

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I was told that because my co-signer filed bankruptcy that my loan had to be in forbearance and that I was not eligible to receive any information about my account during the 5 years. Since then, {$5000.00} in interest has been added to the loans, that I was not given an option to pay. Now I have called 3 times and they stated they to not do income-based repayment plans and the only option I have is an Interest only plan for 2 years.
Consumer complaint received 2024-06-19
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NY)

On XXXX XXXX I paid the amount of {$1200.00} from my electronic checking account, to Alphaeon credit XXXX. This amount was to be paid in full by XXXX XXXX, my XXXX payment was due by the XXXX. Alaphaeon told me on XXXX XXXX by phone that they didn't receive the payment until 12 days later, so now I owed {$1300.00} because payment was late. I have sent several correspondence from my bank showing I had made the payment, and also talked to several customer service reps. Alphaeon just keeps adding interest every month so on XXXX XXXX a representative told me that I should pay the amount of {$82.00} ( Minimum payment ) of the new balance of {$1200.00} and this would show good faith payment and would the satisfy account. Today I now owe {$1200.00}, XXXX XXXX. I feel this is unethical and I want my account to be credited for payment in full.
Consumer complaint received 2024-06-19
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC (AL)

I leased 2 vehicles from American Car Center. American Car Center filed bankruptcy and sold all lease agreements to West Lake Portfolio West Lake Portfolio has extended the life of the lease to 72 months rather than the original 42 months. My lease agreements was not with West Lake Portfolio. We will be returning the vehicles and want this removed from my credit report. I have been unsuccessful in getting the company to agree to the original lease agreement. Please remove both accounts from all credit reports. Thank you. 

XXXX # XXXX XXXX # XXXX
Consumer complaint received 2024-06-19
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: JPMORGAN CHASE & CO. (LA)

On XX/XX/year> I reserved a room at the XXXX XXXX XXXX in XXXX, Alabama. I checked in and the air conditioner was extremely noisy. I knew I wouldn't be able to rest that evening so I went to the front desk and asked to be moved to another room. They moved me and the new room had an air conditioner that was louder than the first room. I knew I would not be able to rest in that room. I went back to the front desk and said I must leave and go to another hotel as they did not have a room for me that had a normal sounding air conditioner. The front desk agreed to cancel my room and issue a refund. 

The hotel did not issue a refund as promised. Instead, my Chase card was charged {$270.00}. Therefore, I disputed the charge with Chase. Chase refused to reverse the charge because of the hotel " cancellation policy. '' I tried to explain that it was the hotel 's fault because they placed me in a room with an extremely loud AC unit and I knew I could not rest well in that room. It was not an issue of my cancelling the room prior to the cancellation period. I also explained to Chase that the hotel agreed to reverse the charge. Chase still refuses to reverse the charge.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I recently disputed this XXXX XXXX XXXX account from my credit report and it has shown back up twice. I received a letter from them that they will no longer contact me regarding this fraudulent account and have recovered the vehicle that does not belong to me. I also added a medical account to this identity theft report and two hard inquires that does not belong to me.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upgrade, Inc. (PA)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didn't follow the proper procedure in notating my dispute of the account, which is a direct violation of 15 USC 1692e ( 8 ), which makes this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. 

I demand this company to delete this account from all 3 credit reporting agencies and compensate me for the violations or I will have no choice but to forward this to my litigation attorney who has advised me that the fact that they didnt notate my account on my credit report as consumer disputes as a violation that I am able to sue them under.
Consumer complaint received 2023-06-06
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. (FL)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 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 2024-06-19
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Mercury Financial Intermediate LLC (OR)

I am being charged from MERCURY credit card, an average Interest rate of 74 %! I am sending you photos of the pre-approved flyer sent to me back in XX/XX/XXXX. I was approved on XX/XX/XXXX. The flyer did not say anything about being charged a " AVG DAILY RATE OF INTEREST ''!! It says the interest rate was APR of 29.74 % Based on Prime Rate, but in reading the 2nd page on the back of my Statement, in the very last paragraph, it is noted, How We Calculate Interest : it says, We use the " AVERAGE DAILY BALANCE METHOD, ( including Current Transactions ). 
I have been paying Larger Monthly Minimum Payments ( including extra money on their " Spot-Pay '' option, to get my balance down. I thought I was paying more towards my balance higher at what I thought was a 28.74 % APR Interest Rate! When recently I paid {$140.00} my minimum payment in XXXX, I would never thought it was INTEREST! Recently, I did have the forethought to go through many statements, and I found these higher payments were NOT going to the principal on my account, but 74 % was going to interest! On XX/XX/XXXX stmt, they charged {$110.00} for interest. That meant out of my {$140.00} minimum payment due, only {$38.00} went to my balance! I thought there was a law which would not allow a consumer to be " XXXX '' with HIGH INTEREST RATES! I'm A XXXX XXXX XXXX retired woman, lives alone on Social Security. At this rate, I will be DEAD before I'm rid of this " fraudulent technique '' used by MERCURY. What am I suppose to do!
Consumer complaint received 2024-04-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

CREDIT COLLECTION SERVIC XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute and request updates to the collections you have reported under XXXX XXXX ( XXXX XXXX XXXX ) of the Fair Credit Reporting Act ( FCRA ). According to XXXX XXXX, I am entitled to accurate and updated information regarding any debts in question. 

Under XXXX XXXX XXXX, it is required that within XXXX days after the initial communication with a consumer regarding debt collection, a debt collector must provide a written notice containing specific information unless it was already included in the initial communication, or the consumer has paid the debt. 

I am requesting that you comply with these provisions and provide me with the necessary information regarding the collections in question. I expect prompt action to resolve this matter in accordance with the law
Consumer complaint received 2024-06-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX  XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Consumer complaint received 2024-06-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P. (NY)

I received notice about an alleged debt reporting as a collection on my consumer report that I am requesting be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I am writing this letter to dispute this alleged obligation, pursuant to 15 USC 1692g ( b ). I am also refusing to pay this alleged obligation, pursuant to 15 USC 1692c ( c ) and all collection efforts shall cease. STOP CONTACTING ME ABOUT THIS OR ANY OTHER RELATED MATTER YOU HAVE. CEASE AND DESIST ASAP AND DELETE THIS ACCOUNT FROM MY CREDIT REPORTS. I only give your agency permission to communicate with me ( via U.S. Mail ) by informing me with proper validation information or informing me that you have notified the credit reporting agencies that the information will be DELETED from my consumer reports.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc. (CA)

I am a victim of identity theft. My information was stolen when our home was broken into back in 2010 since than I had so much fraud going on. That I have no connections with. Someone even has two evictions in the state of North Dakota. 

I have never lived there I lived in XXXX ca my entire life. 

Please help me I have no knowledge of the said accounts
Consumer complaint received 2024-06-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

This original creditor is still on my credit report as a closed account XXXX XXXX  6 POTENTIALLY NEGATIVE MONTHS Credit usage 0 % Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$300.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Credit card Payment summary 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  But LVNV Funding is reporting the same account as a collection LVNV FUNDING LLC Original creditor : XXXX XXXX XXXX XXXX XXXX  Balance details 0 % paid off Balance {$530.00} Balance updated XX/XX/XXXX Original balance {$530.00} Account info Account number XXXX Date opened XXXX XXXX, XXXX Account type Debt Buyer Status Collection account. {$530.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Payment summary 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 PAYMENT HISTORY LEGEND If a consumer 's credit report shows a closed account under the original creditor and also as a collection by a collection agency, it could be seen as a duplication that may mislead the reader to believe there are two separate debts. This would be a potential violation of the FCRA 's accuracy requirements.

the FCRA that are potentially violated in this situation involve ensuring the accuracy and completeness of credit reporting, particularly Sections 1681e ( b ) and 1681s-2.
Consumer complaint received 2024-06-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (CA)

I need to start making payments on my student loans, but when I try to reset my account details on the nelnet website, it tells me a password reset is being sent to my email but nothing is received. I have tried to call nearly 50 times during working hours, either to be blocked from talking to someone because my account can not be verified or because the phone lines are currently closed, despite it being during the advertised operating hours. Theres no attempt to connect me with anyone - the line simply hangs up after three verification attempts.

This is absolutely unacceptable.
Consumer complaint received 2024-08-20
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (TX)

ONCE MY ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX, FORTIVA CHANGED THE TERMS AND CHARGED A MONTHLY FEE OF $ XXXX {$60.00} ANNUAL FEE. I WAS NOT AWARE OF THIS SINCE I PAID THE ACCOUNT IN FULL AND THOUGHT THE ACCOUNT WAS CLOSED. 
LOOKS THEY SENT AN EMAIL ON XX/XX/XXXX, BUT I NEVER SAW THE EMAIL UNTIL TODAY! MY UNDERSTANDING WHEN I OPENED THE ACCOUNT WITH VIVINT WAS THAT IT WAS NOT A CREDIT CARD BUT AN ACCOUNT FOR EQUIPMENT. FORTIVA CHANGED MY ORIGINAL ACCOUNT WITH VIVINT FROM A STORE ACCOUNT TO A CREDIT CARD ACCOUNT WITHOUT MY CONSENT. 

ALL IN ALL, MY CONSENT WAS NEVER GIVEN TO ANY OF FORTIVA 'S CHANGES AND THEY NEVER ASKED. LOOKS LIKE THEY JUST SENT MESSAGES AND IF YOU DID NOT REPLY THEY DID WHAT THEY WANTED WITH YOUR INFORMATION AND ACCOUNT. THIS SHOULD BE ILLEGAL. 
IT APPEARS FORTIVA ADDS ANNUAL FEES ONCE THE ACCOUNT IS PAID IN FULL HOPING THE CUSTOMER DOESN'T CLOSE THE ACCOUNT SO THE FEES SEEM JUSTIFIED. ISN'T THIS ILLEGAL?