davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Kikoff Inc. (MI)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Dear Whom It May Concern, I hope this message finds you well. I am writing to you today concerning my account with XXXX. First and foremost, I want to express my gratitude for the service and support your company has provided me. It has always been my intention to maintain a positive relationship with you, and I genuinely appreciate the assistance I have received in the past. 
However, I find myself in a difficult situation regarding my credit report. Unfortunately, I experienced some challenges during incarceration. Despite my best efforts to keep up with my payments, I fell behind, and a late payment was reported in XXXX of XXXX. I fully understand that these late payments were my responsibility, and I cant stress enough how much I regret missing the deadlines. 
Since that time, I have taken significant steps to improve my financial situation and ensure that all future payments are made on time. This experience has been a wake-up call for me, and I have learned valuable lessons about managing my finances more prudently. I am committed to fostering good credit behavior and maintaining a positive history moving forward. 
I am reaching out to kindly ask if you would consider removing the late payment notation from my credit report as a gesture of goodwill. I realize this request is outside your usual policies, but I hope that my previously consistent payment history and the corrective actions I have successfully implemented might persuade you to grant me this opportunity for a fresh start. Removing these late payments would greatly help me navigate my financial responsibilities and ultimately enhance my credit score.

If you could find it in your heart to assist me, it would make a world of difference in my life. It would not only allow me to pursue better financial opportunities but would also reaffirm the faith I have in your organizations dedication to customer support. 
Thank you very much for taking the time to consider my request. I genuinely appreciate your understanding and compassion in this matter. If you have any questions or need further information, please do not hesitate to contact me at XXXX or XXXX. 
Warmest regards, XXXX XXXX XXXX
Consumer complaint received 2024-09-06
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: SYNCHRONY FINANCIAL (NY)

I made a payment of {$64.00} on XX/XX/year>. I was one day late with my payment. I'm being charged a {$41.00} late fee and my total balance is less than {$750.00}. This fee seems exceedingly and unnecessarily high. This is the 2nd such fee in as many months. This is paypal credit. They have no account number, although it's through synchrony bank. I tried to screen shot the statement but I'm unable to.
Consumer complaint received 2024-09-06
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUN LOAN COMPANY INC. (TX)

Contacted company in regards to their bond to operating as a debt collector in the state since I could not find no mention of such information upon the secretary of state database which states, " Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. '' All Rights Reserved.
Consumer complaint received 2023-04-22
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. (MO)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX  XXXX Balance : {$3700.00}.
Consumer complaint received 2024-09-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (FL)

On XXXX I made a purchase on XXXX for {$8.00} using my Wells Fargo Visa On XXXX I made a payment of {$10.00} to my Wells Fargo Visa On XXXX I made a payment of {$10.00} to my Wells Fargo Visa XXXX XXXX a payment of {$10.00} posted to my Wells Fargo Visa XXXX XXXX XXXX issued a statement for my Wells Fargo Visa showing the account over the {$5000.00} credit limit by {$9.00} On XXXX WFC sent negative information to the XXXX XXXX XXXX XXXX. 
On XXXX WFC a payment of {$10.00} was posted to my Wells Fargo Visa As can be seen from the above time-line of events, WFC failed to timely post my payments to my Visa account and thereby caused a violation of the {$5000.00} credit limit by charging interest to the account ahead of posting the last payment. Had WFC timely posted the payments, there would NOT have been any violation of the {$5000.00} credit limit. Therefore, WFC should be required to retract the negative credit information they sent to the XXXX XXXX XXXX XXXX ASAP
Consumer complaint received 2022-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I started disputing with TransUnion in XX/XX/2020, I haven't been successful with them at all in any of the disputes submitted and it is very aggravating! my last 2 disputes i sent to them through certified mail to make sure they got them, and they claimed it wasn't me disputing, I took that very offensively and it is not okay!
Consumer complaint received 2019-06-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AZ)

I met this sneaker XXXX seller on XX/XX/2019. I messaged him for a price on a specific pair of shoes, and he replied with the price of {$300.00}. I told him I would pass but Ill renegotiate the next week. After that one week he messaged me asking if I wanted to buy the shoes, but I denied him again because I just finished paying my college books. Fast forward a couple months and I message him again for another specific pair of shoes. He said he had them in hand and would sell them to me for {$200.00}. I thought it was a good price so I went ahead and asked him how to pay. He told me to pay through XXXX which was a feature on my banks app. I sent him the money and he told me he would ship them the next day and that the shoes would arrive in 3-4 days. A couple days later, I asked for a tracking number, but he never responded. He stopped replying to my messages whenever I would ask him a question. Sadly, I never received the shoes, and he walked away with {$200.00}.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

LVNV Funding Llc purchased 2 debts from XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amounts of XXXX and XXXX. The debts were last paid on XX/XX/XXXX and now are beyond the statute of limitations for credit report filling in the state of California. To keep the debt posted ( illegally ) lvnv listed them as debts started XXXX XXXX XXXXXX/XX/XXXX effectively reaging the debt. I have requested they remove this old debt from my credit amd it has been denied twice. I can prove the debt is old i have exact dates from the last payment and the original company information but i have no way of recourse against them because the credit bureau will not lift a finger to investigate the company.
Consumer complaint received 2024-09-05
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (FL)

Dear LVNV FUNDING LLC, I acknowledge receipt of your response to my debt verification request dated [ Date ]. However, the documents you provided consisted merely of account statements without any proof of debt ownership or identification of the original creditor and subsequent assignees. As mandated by 15 USC 1692g ( a ), the CFPB has recently heightened the requirements for a debt collectors validation response, which must now include : The name and mailing address of the debt collector ; The name of the creditor to whom the debt is owed ; The account number ( if any ) associated with the debt ; An itemized breakdown of the current debt amount, including interest, fees, payments, and credits from a specific date that can be cross-referenced with records ; The current debt amount as of the date the validation notice is provided. Your response dated [ Date of Response ] did not include any of the aforementioned details. In accordance with the FDCPA, please provide the following : 1. The name and address of the original and current creditor ; 2. Verification of the debt amount you are attempting to collect ; 3. Documentation of any assignment from the original creditor, including my name and the original account number ; 4. All relevant information on the securitization of the debt and proof of its reassignment to [ LVNV FUNDING ]. Federal law, specifically XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 15 USC 1692g ( b ), requires you to cease all collection activities ( including any contact with credit reporting agencies ) until you have properly validated and verified the debt amount. Please refrain from accessing my credit report or reporting this disputed debt. Any mention of this disputed debt should be clearly noted as such on my credit report. I appreciate your prompt cooperation in this matter.
Consumer complaint received 2024-09-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

I'm under collection from TRANSWORLD SYSTEM INCXXXX. They claim I have an account from XXXX XXXX TEXAS XXXX. 

I don't know that company. They claim to be an energy company. 

I don't live in any of the cities they claim to service in Texas. I lived in another state from the times they are claiming I owe them. I don't know what they're billing me for. I don't know where or when the supposed debt is from. They're tanking the credit rating agencies. 

I've never seen a bill. I don't know where this is from. I don't have an account with either of these companies.
Consumer complaint received 2024-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (FL)

I am a XXXX XXXX XXXX XXXX specifically debt bondage. As a result of this XXXX  my personal information was used without my consent to open accounts and incur debts. These accounts do not belong to me and are negatively impacting my credit report.
Consumer complaint received 2024-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-09-04
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

I opened a blue American Express credit card earlier this year. As part of the new account promo, I would receive {$200.00} in credit upon purchases of {$2000.00}. 
I met the threshold for the promo code and it was applied to my account. 
Today, American Express emailed me and told me the {$200.00} reward would be rebilled to my account. I called and spoke to an agent who said I made some returns. I had no idea that I would be rebilled, there is no warning or tracking of purchases towards the promo, which is deceptive. 
I will be closing both the credit and savings account I have due to this. Shame for them since I had $ XXXX in my account with them. 
I can not give my business to a deceptive company who I feel has wronged me.
Consumer complaint received 2024-09-04
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (TX)

Back in 2019 I attempted to sign up for service with XXXX. They were unable to offer services at our address. 5 years and many phone calls " resolved '' later, I am still receiving collections attempts from this compounding bill that I've never even had.
Consumer complaint received 2024-09-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P. (FL)

Again this company is using deceitful practices acts. I am getting letters in the mail every day from attorneys alerting me that a lawsuit has been filed against me. These are attorneys that want to represent me. I do not know what they are talking about, no one has sent me anything. However, after looking up my name I see a lawsuit was filed by XXXX XXXX, XXXX. This is a bogus lawsuit. The statue of limitations according to the credit report would of expired in 2023. ( 12 cfr s 1006.26 ( b ) I AM ON SOCIAL SECURITY XXXX. I AM XXXX. MY ACCOUNT IS PROTECTED FROM GARNISHMENT. YOU WILL NOT GET ANYTHING FROM ME. They are continuing to harass me. The last report I filed against them was for giving my info out to someone other than me. They are a deceitful company. They need to withdrawal this bogus lawsuit and stop harassing me. 
Remove all the accounts associated with this company, they do not know how to do business.
Consumer complaint received 2024-09-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Bright Capital Inc (AL)

On Tuesday XX/XX/XXXX, I created a account with a company named Bright Money. I was told to put my info in to verify my bank. But nothing is disclosed up front with regards to the membership or how it's billed.

Advertising " {$8.00} a month '' while not directly disclosing they'll charge {$97.00} up front is a blatant lie. 

My issue is with the undisclosed membership fee.
Consumer complaint received 2024-09-03
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: OneMain Finance Corporation (FL)

I applied for a personal loan. OneMain Financial called me about a title loan. I don't own a vehicle and would not apply for a title loan. There would be no point in dinging my credit for a loan that is not possible for me to qualify for. I explained this to them. The loan I applied for was a simple personal loan that had nothing to do my car. They did not ask for any information about my car nor ever stated this was a title loan. It was a personal loan only. I told them they must be mistaken I would like to discuss the personal loan and they said they don't offer those and only the title loans. So I told them to remove the inquiry as I never applied for a title loan and my credit should not be dinged for something I did not apply for. They said they wouldn't. This is what's called a Bait and switch. Bait and Switch advertising is grounds for an action of common-law fraud, unjust enrichment, and sometimes breach of contract. A bait and switch is also a violation of the Consumer Fraud and Deceptive Business Practices Act. The inquiry on my credit should be removed immediately. This company should be investigated for further breaches and fraudulent practices.
Consumer complaint received 2019-06-26
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC. (WA)

Midland Credit Management has repeatedly called my work on a daily basis. It's been going on for months. I talked to them on the phone at my place of work in XXXX of XXXX, I made it clear that they can't call me at work. I asked them to give me a name and number that I could call back when I was on break. They wouldn't give me any information and didn't want to get off the phone. They kept on saying I needed to talk to them right now and that calling them back later will not do any good if I didn't finish talking to them. I was forced to hang up the phone because the person on the other end wouldn't let me call them back. Since then, they continue to call me at work multiple times per week. I have phone logs showing that they have called me up to Four days in a row. They have even left a message with the receptionist giving them the name of the company, Midland Credit Management and a note to have me call them back. This is embarrassing to me and also humiliating as I work in a small office with Three other people that can hear every word of my conversation. Today is Wednesday and they have called my place of work every day this week, so again today XX/XX/19, I answered the phone and asked the guy to please stop calling me at work. He said he would make a note of that if I stayed on the phone with him and finished this phone call. I said sir, I have asked your company before to please stop calling me at work. He replied " I will remove this number from your contact list, but only after we finish talking about the reason for this call and find a solution ''. This is harassment, and I want action to be taken.
Consumer complaint received 2024-09-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (IL)

This is In addition to my open complaint with One Main Financial. After my payment was made for the month of XXXX, I continued to receive collections calls to my phone number, XXXX on XX/XX/year>. The customer service representatives are rude and they lie. The same customer service representative that called me yesterday repeatedly also called me in XXXX after my payment was made. She lied to me on XXXX and stated that they were allowed to call as many times as needed and that their practices were compliant and consistent with regulations. Then she asked me asked me if I wanted to set up automatic payments so that I could avoid all of the collection calls.
Consumer complaint received 2024-07-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

My accounts 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 to be removed/updated.

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.

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!
Consumer complaint received 2024-09-10
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lloyd & McDaniel, PLC (GA)

I was XXXX  for acct XXXX in the amount of XXXX by XXXX XXXX XXXX XXXX  in XX/XX/year>. I finished the garnishment So now Im being XXXX  for the same XXXX by XXXX & XXXX XXXX XXXX amount of XXXX plus XXXX dollar court cost. It is hard to get in touch with a human voice when you call and all you can do is leave a message and hope they will return your call I have no one to help me in my current situation I just need to get this resolved fast its about to be XXXX paychecks they have gotten their 25 % its really taking a toll on me and my family being Im the only source of income. This has got to stop
Consumer complaint received 2024-06-10
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.