davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (ME)

LVNV Funding of course knows they are not licensed to collect debts in Maine, yet they are reporting debt I allegedly owe on my credit report, reporting 2 separate collection accounts. The account numbers being reported are XXXX and XXXX. I do not recognize this debt and it should not be reporting at all on my report. I have tried disputing this with the credit bureaus and provided proof that LVNV funding is not licensed to collect in my state ; XXXX has removed them, but XXXX and XXXX refused. Additionally, I never had a contract with them for any debt. This company practicing debt collection in states they are not licensed in that require debt collectors to be licensed ( which Maine does ) is unacceptable and illegal. I will attach a screenshot of which states they are licensed for that shows that Maine is not included.
Consumer complaint received 2023-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (MS)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United states ) that the foregoing is true and/or correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization - used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All in this matter is being investigated by the FTC.
Consumer complaint received 2024-01-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have no knowledge of these Inquires
Consumer complaint received 2024-06-03
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: Experian Information Solutions Inc. (DE)

I am utterly disappointed right now, you complete disregard your own stated timeline. In your memo dated, it's explicitly stated that the results of the investigation would be provided to me within 30 days. That deadline has come and gone without a single word from them regarding the status or findings. 

This lack of follow-through and blatant failure to uphold their commitment is unacceptable. You are the bureau and you have ample time to conduct your work and there is no justified reason for this excessive delay in sharing conclusions. In your memo built an expectation that I relied upon, and your inaction represents a breach of that assurance.
Consumer complaint received 2023-09-18
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (TX)

I received a {$10.00} American Express gift card as a reward from my apartment complexs reward program. I attempted to use the card at a XXXX  of online stores, and it was always declined, even though the items I was attempting to buy were much lower than the balance on the card. I tried calling but could only speak to the automated assistant, which mentioned that it could be that the store has to hold an additional 20 % to use the card, but even when I tried to buy something with just a few dollars on the card, it still would not work.
Consumer complaint received 2024-06-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc. (MN)

According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.
Consumer complaint received 2024-02-12
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

I have some specific questions and was told on a phone call to the CFPB to get them answered : ( 1 ) Why wasn't the dispute closed when I received the {$2800.00} back from United Airlines and asked that it be closed?

( 2 ) Has anyone at Chase looked at my spreadsheet evidence and realized that the charges added up to {$2800.00} and that I was refunded {$2800.00}? 
( XXXX ) Has anyone at Chase looked at the {$2800.00} that was transferred back to my checking account on ( XXXX ) Dies anyone at Chase know why there was a - {$1400.00} credit listed on my XX/XX/XXXX statement that simply disappeared and was never carried over to the next month? 
( XXXX ) Does anyone at Chase know where the {$2800.00} came from that was sent back to my checking account on XX/XX/XXXX ( shown on the XXXX statement )? 
( XXXX ) Has anyone outside the disputes department at Chase ( which appears to me to have stolen {$1400.00} ) reviewed this case? 
Thank you for your upcioming answers.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

My account with MACYS/CBNA was never late! I have had exceptional payment history with MACYS/CBNA 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 XX/XX/year> 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.

MACYS/CBNA 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 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

My account with XXXX was never late! I have had exceptional payment history with 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 XX/XX/2022 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 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 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NJ)

Hello, On XXXX I sent Experian the attached disputes. On XXXX Experian sent me a stall letter via email that I have attached not preforming the requested investigation I have requested. On XXXX I responded to Experian with the attached letter and was sent another stall letter via email XXXX still not performing the investigation. The 30 days from my initial request XXXX has pasted. 

Can you investigate this? Many codes from the FCRA regulations and federal laws are being broken. Imagine how many people they are doing this yet and this should not be allowed to continue. 

I have also attached the tracking numbers for my documents.
Consumer complaint received 2024-06-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (FL)

My account with MACYS/CBNA was never late! I have had exceptional payment history with MACYS/CBNA 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 XX/XX/year> 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. 


MACYS/CBNA 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 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (OH)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and XXXX.
Consumer complaint received 2024-06-20
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: JPMORGAN CHASE & CO. (RI)

On XX/XX/XXXX I requested via certiied mail, return reciept requested, that the company provide me documentation that I had applied for credit with them. I provided a copy of my Drivers License and a page showing the inquiry on my credit report. I have absolutely no idea what this company is, nor what they offer. 

The XXXX XXXX was signed for by the company on XX/XX/year>. I have not received any communication from them. This inquiry remains on my credit report.
Consumer complaint received 2024-06-20
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (TX)

Nelnet student loan servicer and XXXX XXXX credit report agency it says I still am in debt was wrong datess And also when I called Nelnet and Nelnet said that they reported to Credit agencies that all of the loans should be deleted and no longer owed but forgiven, and theyre taking their time uploading it and changing it in their system.
Consumer complaint received 2024-06-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ratchford Law Group, P.C. (CT)

I am receiving debt collections packets in the mail from a lawyer representing XXXXXXXX XXXX The debt is from a credit account for buying automotive tools. After reviewing the {$5100.00} bill they sent to my house with a court letters I dont understand. I can see and very clearly they forged my signature on a credit loan agreement to add around XXXX ( approx ) debt to my account. This was added in a time period I was not working at the company where the initial loan was taken. This debt is from at around XXXX yr ago. I know I had some balance left around XXXX then. I really would like to settle the debt now that I am in a better place but I know what they are doing is highly illegal. Please if any help you can provide me, I would sincerely appreciate it. Please contact me for the full contract paperwork as it is not allowing due to file size. I will attach some of the pictures of the forged signatures compared to my actual signature.
Consumer complaint received 2024-06-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I am filing a formal complaint against XXXX XXXX XXXX ( XXXX ) regarding a charge-off that has been incorrectly reported on my credit report. Despite my efforts to resolve this issue directly with XXXX and the credit bureaus, the charge-off remains on my credit report, causing significant harm to my creditworthiness.
Consumer complaint received 2024-06-20
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: GOLDMAN SACHS BANK USA (CA)

Apple card Dispute case number : XXXX, I had made a purchase from the merchant XXXX XXXX XXXX on the day XX/XX/XXXX, XXXX the total amount of my purchase was {$1700.00}, I had disputed this purchase because the merchant had failed to deliver to the right house hold of mine, XXXX XXXX XXXX XXXX CA XXXX after I had claimed towards the merchant that I had never received anything from them they provided me with a proof of delivery with a picture of the package on a front porch, I realized that the picture they had provided me is from a completely different household from mine, I later provided the merchant XXXX XXXX XXXX with a following picture of my actual front porch that clearly does not match the one they delivered to, i also have family at my house hold 24/7 along with camera footage from the day they said it was deliver and there was absolutely no one delivering anythingXXXX XXXX XXXX XXXX later claimed that they will not be able to help me with this issue even though it was a mistake that they acknowledged on their part. After they told me they couldnt help me I had contacted and disputed the charge with my apple credit card in their support chat on the day XX/XX/year>, exactly ten days after the purchase. I had provided the apple support chat with the proof that the real real had mistakenly delivered to the wrong house, just for them to later sided with the merchant on XX/XX/year>, even though they were clearly in the wrong and had never even delivered to the wrong house hold I never even received anything at all and i do not want to be left paying for a package that i never even received. which is why im taking this issue up with CFPB in hopes of not paying for a package that I NEVER RECEIVED.
Consumer complaint received 2024-06-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: FIFTH THIRD FINANCIAL CORPORATION (GA)

I purchased a new contruction home on XX/XX/22. The construction was completed a week prior. I asked my loan servicing company 5/3 Bank to provide me a Broker Price opinion for the purpose of removing my PMI as I believe the current market value gives me a greater than 20 % equity position on the loan. 

They made me fill out a from indicating the improvements made to the home as part of the application process fro my BPO request. They subsequently denied my request for the BPO citing that the improvements made do not qualify as substantial. 

I believe they are abusing the requirement for substantial improvements given that the home was newly constructed at the time of purchase. I have added permanent fencing to a large portion of the property and I have landscaped the rear of the property which was not included with the purchase of the home. I have also added permanent window treatments throughout as the home did not come with any at the time of purchase.

Please see my application form to 5/3 Bank attached.
Consumer complaint received 2023-04-27
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Emergent Business Group, Inc. (FL)

The company stated that I owed the {$1900.00} after taking a {$1200.00} loan and paying them approximately {$1300.00}. The debt collector sent a settlement of {$730.00} to close and then called with another offer of {$950.00}. I requested some information from the condo-any to have a paper trail but they refuse to provide the details and was being very rude on the call. Another agent took over the call and got very loud and I felt very much violated. They also advised me that this was the last offer before they take legal action or damage my credit. I politely refused their offer until I have some paper trail but they were not very happy with me.

These are the information I requested : 1. Proof that your company owns my debt or that you have been authorized to collect it from me by the original creditor.

Note : Please send this proof of authorization 2. Who is the original creditor? What was the original amount owed? How much of what you are attempting to collect is fees and interest accrued since your company took possession of this debt? 

3 What is the debt collectors name, the name and mailing address of your company and the name and phone number of your supervisor.

4. Are my offers for balance reduction reported to the Credit Bureaus? If so, how these will be reported to the credit bureaus?
Consumer complaint received 2024-06-20
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (NJ)

I have presented proof to a debt collector Rent Recovery Solutions LLC that a debt being reported on my file is not owed. I have provided a letter from the original creditor stating that I do not owe this amount yet they continue to report this as unpaid on my credit report.
Consumer complaint received 2024-06-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (GA)

I am filing this complaint to formally request the removal of a collection account from my credit report, which has been placed by Transworld Systems Inc. The basis of my complaint is that Transworld Systems Inc is not licensed and bonded to collect debts in the state of Georgia, where I reside. 

According to Georgia XXXX law, debt XXXX must be properly licensed and bonded to engage in debt collection activities. Transworld Systems Inc has failed to meet this requirement. As such, any attempt by them to collect a debt from me is unlawful and in violation of state regulations. 

I did not authorize Transworld Systems Inc to use my personal information for debt collection purposes. Their lack of proper licensing and bonding further compounds the illegality of their actions. Moreover, their failure to respond to my cease and desist letter underscores their disregard for consumer rights and legal obligations.
Consumer complaint received 2024-06-20
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2024-06-20
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Foursight Holding LLC (IL)

In XX/XX/year> sent a USPS Certified Mail to company. A representative for company acknowledge receipt of USPS Certified Mail on XXXX still have not received documents requested from Foursight Capital LLC, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX