davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-11
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: January Technologies, Inc (WA)

Hello my name is XXXX XXXX, In XXXX, I opened an account for a XXXX  XXXX issued by XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX. After making all payments on time, I fell behind on a few and had a balance of {$780.00} as of XX/XX/XXXX. XXXX  wanted a minimum payment of {$300.00} and I informed them I could not make that payment. 

I received a call from a women named XXXX and she was my case manager for XXXX, and she offered me a settlement offer of {$620.00} in two payments of {$310.00}, and i accepted the offer. She gave me a confirmation. number of XXXX, and i sent in two separate money orders for {$310.00} each. She said once she received both payments my account would be considered paid in full and closed. 

Fast forward to XX/XX/XXXX, XXXX I am sent a letter from a collection agency called XXXX XXXX claiming that I owe {$470.00} to XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX from XXXX XXXX XXXXXXXX XXXX The letter says XXXX XXXX XXXX has placed the above referenced account with our office for collection. They have date of last payment as XX/XX/XXXX. As the letter stated, I had 30 days to dispute this claim and i did just that. 

I called XXXX XXXX and explained to them that I had accepted a settlement offer form XXXX  XXXX in XXXX and paid the {$620.00}, and I do not owe the {$470.00} they claim I owe. They would not take this message as the answer and kept on harassing me. On XX/XX/XXXX, I wrote XXXX XXXX a cease and desist from contacting me letter, and in the letter, I also wrote that if XXXX forwards or returns this supposed debit to another company they need to inform them to cease and desist any kind of contact with me as well. 

XXXX XXXX ignored my cease-and-desist letter by turning over this ridiculous and false claim to a collection agency called XXXX XXXX XXXX, XXXX, who continued to try and make me pay the {$470.00} that I do not owe. I called XXXX and informed them as well that I had settled this matter in XXXX and I do not owe any more money. XXXX XXXX XXXX eventually stopped contacting me until they turned me over to yet another collection agency. 

On XX/XX/XXXX, I received my first email from the collection agency XXXX XXXX XXXX XXXX A person named XXXX says they were hired to collect on my XXXX  XXXX Credit Card balance. This account was originated by XXXX XXXXXXXX XXXX XXXX XXXXXXXX and the current creditor is XXXX XXXX XXXX. XXXX are still trying to collect the {$470.00} for the account ending in XXXX. 

Now I have been dealing with this issue that I was told was concluded in XXXX of XXXX, and I need your help in bringing this issue to a close. I do Not owe {$470.00}. 

Thank you for your time, XXXX XXXX
Consumer complaint received 2023-12-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I was diagnosed with XXXX during a veteran administration claim Im 100 % XXXX due to XXXX and I found for a I filed for them to just be erased. I dont honestly dont know the terminology nor do I care all I know is that that is that is something offered to somebody in my situation, and I was trying to take advantage of it. I submitted the proper paperwork during that time, not sure what they were doing and how they handle my information or anybody elses information. All I know is that during that time I submitted the information and my XXXX account came from XXXX XXXX  the servicer changed, and its still the same information on my profile from the old servicer and now my account says zero but the credit bureaus all three major credit bureaus refuses to put my balance as zero they have they know that the balance is zero, but they will not put it there after investigating it talking to him and telling me yeah youre right but months later, theyre still showing as if I have {$50000.00} in student loans but when I log into my account theyre zero at one point it was an error with XXXX. It seems to be corrected now so I feel like now Im being a I dont know thats incorrect information being placed on my credit report because I dont have any student loans anymore that are government affiliated, they waived them and I do not have them anymore
Consumer complaint received 2023-07-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (OK)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-05-02
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I requested information regarding the account Bank of america - XXXX and have not received anything. 

Please have this company upload the following documentation : Last 12 months of my billing statements, payment history, the terms and conditions of this agreement, and a document showcasing how my payments were applied. I.E., allocation of payment.
Consumer complaint received 2023-12-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MI)

In response to CFPB complaint XXXX, XXXX stated it would not respond to any further complaints regarding the issues within XXXX unless I submitted " compelling documentation. '' It would seem that despite providing XXXX ( XXXX ) years worth of Driver 's Licenses, XXXX did not believe they were sending billing statements to an incorrect address that was neither my address nor my physical address. And, despite disclosing my documented XXXX, it appears XXXX did not believe my XXXX under the XXXX would render me unable to communicate, write, think, etc., in instances where there are or have been supply shortages of medications I use to treat the disclosed medical condition. Finally, despite my disclosure of XXXX ( XXXX ) separate COVID infections followed by XXXX ( XXXX ) separate periods of XXXX, XXXX did not believe such periods of XXXX and/or XXXX would render me unable to communicate, write, think, etc. Hopefully the near one-hundred ( XXXX ) pages of documentation provided make clear a ) I do not live in Florida and have not lived in Florida since 2007, b ) I neither have a current mailing address in Florida, XXXX have had a mailing address in Florida since 2007, c ) I have a XXXX that is managed through medication that has been in short-supply for over XXXX ( XXXX ) year, d ) that shortage is on-going, XXXX ) I am rendered unable to speak, think, write, etc. due to the lack of medication and/or sudden cessation in medication when I can not get my prescriptions renewed due to the supply shortages, f ) For the period over which XXXX was sending my billing statements to address, and the cascading skip-tracing that resulted, that beyond the extent to which I demonstrated an ability to correct my address information when skip-tracing XXXX have overwritten my corrections, I was unable to speak, think, write, etc. due to the lack of medication and/or delays in prescription renewal, and/or sudden cessation in medication caused by the supply shortages, and/or because of long-COVID related XXXX.
Consumer complaint received 2023-09-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: WELLS FARGO & COMPANY (MN)

I am with Wells Fargo Home Mortgage and was on Covid 19 relief and post XXXX XXXXXXXX when they lost a payment and refused further payments. I was kicked out of my XXXX through the foreclosure attorney based on that lost payment. 6 months later the payment was found abs was misapplied. I have attempted several modifications since only to have my ex wife, who is not on title, and not on my XXXX XXXX be allowed to cancel and request a short sale instead. During all of this I have been trying to recover from a head injury and car accident and now am on SSXXXXI for a XXXX, my current wife and I cant move without a payment history and cant sell and cant rent or do anything and we are stuck. XXXX XXXX with the State of Mn attorney General sent me to you to file a complaint. If a wells took money for Covid 19 relief with promises to modify after how can they say no and try and foreclose. I would like to modify my mortgage and have my current new wife on and the payments put on the back or a letter of mistake so I may rent or buy something else. I have zero history I can show because payments are refused. I was also offered Home Help Minnesota funds if XXXX but Wells Fargo refused to work with them on my behalf
Consumer complaint received 2023-07-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

Capital One Credit Card decided to charge me an extreme interest charge with no explanation or reasoning on XX/XX/XXXX. I have been with this company for over 2 years and this is the first time they have done this to me. 

On XXXX, they contacted me because I had gone over my credit limit by like {$20.00} but they paid it and in the message they stated that, they do not charge for going over the limit. On XX/XX/XXXX I went to make a {$300.00} payment and realized that Capital One had charged me an interest charge in the amount of {$160.00}. I contacted their customer service department to see why there was this huge fee on my account and they proceeded to tell me that sometime these charges are because you are late with payments. I explained to the rep that in the whole time I have had the card, I have never been late. Then he explained that these fees are sometime because all you pay is the minimum fees. I explained to the rep that I often exceed minimum amount over 100 % in just about all of my payments. Then he told me that it was because of the type of credit card I have. So I asked him to explain how that works when this is the first time Im hearing about this. Again, he explained that this is an example he was given so really unable to explain why after being with his company for years I was suddenly targeted and being charged extreme amount of fees. I asked him if I cancelled the account, will they still keep charging me these fees to which he stated Capital one will continue charging me this interest charge no matter what I do. 

I think this is unfair as it seems to be targeting people who dont make a lot of money so they can keep me in debt and downside. They have been asking me to send them proof of my paycheck so they can decide whether to give me more money. I refused to provide that more information as I did not want additional available funds on my card as I just wanted to focus on paying my card off. Last week I inquired about transferring my balance to a couple of companies including Capital One and I guess they used that information to penalize me a week later because they now had my paycheck amount. Which I know is an unfair practice according to the law. According to the CARD Act of 2009 called for fees imposed upon consumers to be reasonable and proportional. It placed limits on late fees and changed how credit card companies can charge for over-limit fees. 

An almost {$200.00} fee is unfair and should be illegal. I am requesting your help in stopping Capital One in this unfair act of penalizing me.
Consumer complaint received 2023-12-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates (AZ)

This debt shows in my XXXX account. I have a screenshot showing I paid the original account ( utility company ). I have disputed this many times with XXXX including the detials and the screenshot and LJ Ross will not delete the collections account and they have updated the collections account to show that it was paid before they were assigned the account. I called the number listed in my XXXX account for this business and it was disconnected. I called the number I found online for LJ Ross and left a message asking for call back. I left a message on XXXX occasions. No return call, no letter. I am asking for this collections record to be deleted from my account. I have already submitted a complaint against XXXX.
Consumer complaint received 2023-12-23
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: NCP Holdings, L.P. (IN)

In XX/XX/2022, I was approved for a loan with Quickcredit ( aka XXXX ) for {$900.00} The total cost of this loan was well over $ XXXX dolllars. Despite making payments faithfully from XXXX to XXXX, I noticed the balance kept growing. In that time, I had to stave off the ever growing balance by refinancing and extending numerous times. 

This is an extortion. The company has made enough $ on fees, late fees, origination costs, ungodly interest. I as going nowhere quickly and had to stop. 

Im not a bad person, but this was a vicious cycle that sucked me in.
Consumer complaint received 2023-12-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

My student loan was part of the federal forgiveness program and the outstanding balance was forgiven, leaving me with a balance of {$0.00}. I received a letter from XXXX stating the new {$0.00} balance, which I submitted to the 3 credit reporting agencies 6 months ago, when I start the dispute process. XXXX updated the account and correctly shows a {$0.00} balance. However, as of today  Equifax and XXXX haven't updated my account with the correct balance. They are still showing an incorrect balance, which is affecting my credit score and ability to refinance my home.
Consumer complaint received 2024-01-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Uplift, Inc (PA)

This collections is still being reported on all 3 credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my 3 reports.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (OH)

The company basically denied my verified FTC report # XXXX, also my verified IRS claim of idenettity theft ( Notice XXXX ) dated XX/XX/19 prior to this incident i was already compromised. Not my fault i dont own the SS #
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL (AZ)

Synchrony Bank, the issuer of Sam 's Club credit cards, has a rewards cash back program for using their card. We receive monthly cash back for using the card on/or around the XXXX of each month, according to Synchrony, and reviewing our past transactions. 
In XX/XX/2023, Synchrony is stating that {$41.00} was rewarded to us. I review records, and see that we are supposed to receive the amount of {$41.00}, but the funds have never shown up in our account. Somewhere between issuance, and delivery of the funds the money goes missing. After several attempts with Synchrony, including talking to management to resolve the issue, I receive letters stating that rewards have been distributed. We don't know where the rewards were sent, but they are not reflected in our account for XX/XX/2023. We are requesting we receive the rewards we are due per the agreement for using the credit card
Consumer complaint received 2023-10-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CA)

I was scammed by someone on XXXX and invested on XXXX XXXX  by using XXXX platform starting on XX/XX/XXXX. I transferred XXXX each on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for a total of $ XXXX. On XX/XX/XXXX, the scammed company froze my account and I realized that this was a scam.
Consumer complaint received 2023-10-06
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: EQUIFAX, INC. (TN)

These inquires showed up on my credit report that i do not recognize. 
XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXXXXXX 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 XXXXXXXX. NONE OF THESE ARE SUPPOSED TO BE ON MY REPORT NORE DID THEY HAVE MY WRITTEN PREMISSION
Consumer complaint received 2024-05-02
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: WELLS FARGO & COMPANY (FL)

I disputed inaccurate information that is reporting on my credit report as a charged off account. I requested a thorough investigation be done. I requested the following to be provided and it was not provided in the investigation. 

Documentation proving the original creditor 's agreement with me and the existence of the debt. 

Any agreements or contracts bearing my signature related to the debt. 

Validation of the validity of the debt under the laws of my state. 

Under 15 U.S.C. 1681a - U.S. Code The term investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The companies involved have not done their due diligence to provide a fair investigation and i request this charged off account be deleted off of my credit report.
Consumer complaint received 2023-10-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

The following accounts are in violation of the FCRA. The following accounts are reporting as late, I have NEVER been late on these accounts. 

-- -XXXX XXXX acct # XXXX, opened XXXX -- XXXX XXXX XXXX acct XXXX XXXX, opened XXXX -- -XXXX XXXXXXXXXXXX XXXX XXXXXXXX acct # XXXX XXXX opened XXXX -- XXXXXXXX XXXX acct # XXXX, opened XXXX
Consumer complaint received 2023-05-05
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. (MI)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2022-02-14
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: EQUIFAX, INC. (MO)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n  cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE