davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-19
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc. (TX)

Innovate Recovery has been trying to collect a debt from a previous apartment complex. This debt was first dismissed by a justice of the peace judge on XX/XX/2019. After countless attempts of letting them know this, they are still trying to collect on the debt. Even with the information they are sending, the amount is not the correct amount that they are showing from the apartment complex. On my credit report, the amount is {$3200.00} is not the correct amount, but are sending the final bill verification from the apartment complex that is showing {$3200.00}. There is an extra {$50.00} that is not accounted for nor was I made of any additional fees that were going to add to the original amount by this collection agency, which under the Texas Finance Code is a violation as I am asking for them to show that the debt that they have is valid. So that means any additional fees that the collection agency is attempting to collect, which is cited under Texas Finance Code Sec. 392.303 ( a ) ( 2 ) that states " collecting or attempting to collect interest or a charge, fee, or expense incidental to the obligation unless the interest or incidental charge, fee, or expense is expressly authorized by the agreement creating the obligation or legally chargeable to the consumer. '' Innovate Recovery and I have not entered an agreement nor was I as a consumer made aware of any extra added fees that are trying to be collected on. I have spoken verbally to the company and have asked for them to explain the extra fees and also I have sent written communication, to which they have responded with no information or any agreement that this extra {$50.00} is my legal obligation to pay. They have also verified with all 3 credit bureaus that this debit is accurate, which this debt is not accurate nor should this debt have been referred to collections, as the debt in its entirety was dismissed in a Justice of the peace court in XXXX County Texas. Which Innovate Recovery has been made aware of and it is known, but are still trying to collect and verifying that this debt is accurate.
Consumer complaint received 2017-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (TX)

Hi, My name is XXXX, and I have about {$25000.00} in XXXX subsidized and {$28000.00} in XXXX unsubsidized loans from Navient. This was for my XXXX in which I graduated in 2010. I consolidated my loans with the Department of Education around the end of 2010, and I remember qualifying for an interest deduction of XXXX off my interest rate of 6.8 %. Then after the XXXX loan was transferred to Navient, they only list my old interest rate of 6.8 %. I asked them for the promissory note for my consolidation about 2 years ago, and they have failed to give it to me. I believe they may have lost it, and they are charging me a higher interest rate because they lost my promissory note. 

Please let me know what my options are to get my original consolidated promissory note with my reduced interest rate. Also, if they do not have documentation of my loan, what can I do about that? Can I discharge my debts? Please let me know. Thank you very much I appreciate your help and I think you guys are doing a great job! 

Best, XXXX
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mercedes Benz Financial Services (CA)

I am reaching out to request your understanding and goodwill in reconsidering the reporting of these late payments to the credit bureaus. I have taken steps to improve my financial situation and ensure that such delays do not occur in the future. I value my relationship with the Creditors, and I am committed to making timely payments moving forward. 

I kindly request that you review my account and, if possible, remove the late payments from my credit report. I believe that this gesture would greatly help in repairing the negative impact on my credit history and allow me to work towards rebuilding my financial standing. 

MERCEDES BENZ FINANCIAL XXXX- I DO NOT HAVE A LEGAL BINDING CONTRACT WITH THIS COMPANY. PLEASE DELETE I appreciate your time and consideration in this matter. I understand the importance of maintaining a positive credit history, and I am committed to working collaboratively with the Creditors to rectify this situation.
Consumer complaint received 2022-12-20
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. (GA)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$450.00} ; XXXX XXXX XXXX  XXXXBalance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$660.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have credit monitoring and I just got alerted that as of the day of this complaint, XX/XX/2022, TransUnion alerted me of a new hard inquiry from XXXX XXXX XXXX. 

I can 100 % confirm that was NOT me. I have a car and I have been working all day. 

This is clearly fraud and I need this removed ASAP!
Consumer complaint received 2023-11-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc. (HI)

I have an agreement with my loan servicer, Nelnet, to pay {$100.00} ( restarting in XXXX of 2023 ) to pay for my two federal student loans. On XXXX, I was charged {$590.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$300.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$590.00} for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged $ XXXX for " DEPT EDUCATIONSTUDENT LN ''. On XXXX, I was charged {$100.00} for " DEPT EDUCATIONSTUDENT LN '' ( I'm assuming this is the Nelnet charge ). 

I called Nelnet 's customer service line on XXXXXXXX  and was informed by their representative that they show no history of the two ( 2 ) {$590.00} charges and no history of the two ( 2 ) {$300.00} charges ; they only see history for the one ( 1 ) {$100.00} charge. My overall outstanding student loan balance of {$12000.00} has not changed over the past two months even though my bank account was charged {$1700.00}.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY (NC)

I, the consumer and natural person was denied for an extension of credit by AMERICAN EXPRESS on XX/XX/XXXX  when I applied for a credit card. 

Adverse action against the consumer is UNLAWFUL according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability according to 15 U.S.C 1692k. American Express is subject to criminal liability for violating 15 U.S.C 1691, as I have proof of discrimination due to the response received from you and is enclosed. 
American Express is in violation of 15 U.S.C 1642, U.S.C 1681m, and C.F.R 1002 ( Reg B ) as I, the consumer have a right to credit and applied in good faith but credit was not extended to me. 

Furthermore, the fact that my Social Security Number ( Credit Card/ Account ) was used and I received no benefit, is fraudulent activity committed by AMERICAN EXPRESS as unauthorized use per 15 U.S.C 1602p and constitutes unauthorized use/ Identity Theft.
Consumer complaint received 2024-04-08
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: EQUIFAX, INC. (TX)

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.
Consumer complaint received 2023-12-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation (GA)

The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation. My Account XXXX # XXXX
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (ND)

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 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2023-11-29
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: United PanAm Financial Corp. (NC)

I have made attempts to remedy situation even did what I was told only to be threatened every other day. My payment is due until the XXXX. My payment is XXXX I only owe XXXX which isn't late or past due until after the sixth. Why am I being threatened or even called. Telling me it's in my best interests. I'm no longer past due so what interests are you referring to. They are leaving voice-mail saying my car is up for repo how? It's current you can take a car that's not even 30 days past due. I don't want to be called anymore all communications should be sent via mail.
Consumer complaint received 2023-09-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I was never late on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: JPMORGAN CHASE & CO. (VA)

Someone decided that I should be paperless. This was the start of this issue. I did not receive a bill as I pay my bills upon receipt. Have a XXXX credit score. Company sent me E mail that bill was late and fined me {$40.00} late fee for a {$80.00} bill. I ask them to waive late fee? I paid the account in full as soon as I was aware of this bill on XX/XX/23 Check # XXXX {$210.00}. As of today a check with my bank reveals payment has not been accredited to my account and now they threaten too contact crrdit bureau.I have neve eve been late on any bill..As soon as this credit card has a XXXX balance I will close this account based on their poor handling of my account. When I retired XX/XX/23 the Governor of Virginia wrote me a letter of congratulations. I always pay my bills own 4 houses ( beach house ) mortgage free and do not appreciate being treated this way. Please take action as I am sure others are getting same treatment. Our mail service is terrible get mail XXXX XXXX, other peoples mail no mail etc. ans holidays may have contributed to this payment???? They should look at all factors payment history etc before threats are made.
Consumer complaint received 2023-11-29
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: EQUIFAX, INC. (TX)

This is a fraudulent account with XXXX XXXX XXXX XXXXXXXX, i make a request for this account validation and XXXX XXXX could not validate this account as mine as FCRA says..
Consumer complaint received 2022-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Equifax Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Name of Account Account Number Verification XXXX XXXX XXXX XXXX XXXX  Act # XXXX { XXXX } { Unverified Account } * Please remove all non-account holding inquiries over 30 days old. 

* Please add a Promotional Suppression to my credit file. 



According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 



I demand the following accounts be verified or removed immediately. 

please remove!

15 U.S.C 1681 sec 602 A States I have the right to privacy 15 U.S.C 1681 Sec 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written consent.
Consumer complaint received 2024-01-03
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I write to you in regards to way Bank of America has purposely tried to illegally charge me the wrong interest on a large purchase that I did with my Bank of America credit card. 
I made this purchase with the intent of paying it off within a 4 month period and I did realize that would be interest that would accrue but the fact that Bank of America has tried to charge more interest than the true balances reflected, is why Bank of America continues to get fined for screwing over its customers base and makes headlines in the news everywhere. 


SEE ATTACHED
Consumer complaint received 2024-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

You are reporting inaccurate accounts on my credit report. I'm so stressed and very disappointed due to this events that harmed my mental health, emotional health and even put my family in distress! Start the investigation on these accounts.
Consumer complaint received 2024-03-15
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. (PA)

FCRA 605B, I believe, necessitates the removal of any incorrect accounts from my credit report. Could you please review the paperwork? There are inaccuracies in some of the listed accounts, and it's unsettling for me.
Consumer complaint received 2023-11-29
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XXXX Atte : Capital One Dispute XXXX XXXX Dear Transaction Dispute Department. 


I am writing a letter to dispute a charge that was made to my credit card Savor ending # XXXX by XXXX  XXXX XXXX XXXX car dealer, located at XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

On XXXX the XXXX I purchased an XXXX XXXX XXXX XXXX at the same location above and I met with Owner and/or Manager XXXX XXXX XXXX . 

I told XXXX that I was interested to purchase an XXXX XXXX XXXX that I saw in his car dealer web site for the price of {$270000.00} ( Please see XXXX Report enclose ) I put my old vehicle as dawn payment ( price owned in the XXXX XXXX XXXX was {$6800.00} ) XXXX XXXX XXXX gave me a price value for my XXXX XXXX XXXX - {$6800.00} = XXXX. 

I met with the financial Manager XXXX XXXX XXXX that he said that the price for the XXXX XXXX XXXX will be {$27000.00}. 
Plus, Taxes XXXX Government certificate. {$250.00} -Government Fee {$96.00}, = Total Amount of XXXX XXXX credits for my XXXX XXXX was XXXX. ( Please see contract. ) XXXX XXXX XXXX wants to charge me for my tag {$290.00} but, I stated that I was using my own and to do need for transfer. 


THE XXXX XXXX XXXX XXXX XXXX PROBIDED BY XXXX XXXX ON YOUR INBOX. 
WHERE IN THIS CONTRAT SAID THAT THE VEHICLE WAS {$31000.00} WITH XXXX XXXX DOWNPAYMENT. THAT IS INCOREECT. 
XXXX XXXX Finance manager XXXX XXXX overcharged me WITH hiding fees without disclosing anything XXXX XXXX. 
XXXX XXXX charged me with predelivery fees with an amount of {$980.00}. 
XXXX XXXX charged me with XXXX XXXX Destination and Handling {$990.00} in a used vehicle. 
XXXX XXXX charged me for inspecting the vehicle and adjusting with an amount of XXXX. 
On XX/XX/XXXX, I contacted the dealer to go over the contract and make some adjustment due to that the {$4000.00} was not adjust onto the original price for the vehicle {$26000.00}. 
On XX/XX/XXXX, I contacted XXXX XXXX more than twice ; he stated that he will made the adjustment. 
On XX/XX/XXXX, I contacted and Spoke with the XXXX XXXX owners and XXXX XXXX XXXX he said that he would investigate. 
On XXXX the XXXX, I contacted the dealer again and spoke with manager XXXX, he stated that the owner was not available and he was not aware of those charges. 
They charged me what? I almost got into a car accident due to one of my tires exploded. please see pictures. 
I met with XXXX XXXX XXXX and the XXXX XXXX services manager changed only two back tires not the front. Please see pictures.
Consumer complaint received 2023-11-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bridgecrest Acceptance Corporation (FL)

This debt collector engaged in threatening deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I am entitled to XXXX dollars per violation and clearly they violated my rights.
Consumer complaint received 2024-03-15
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. (PA)

To whom it may concern, This complaint is against XXXX XXXX Account # XXXX for the following violations of my rights as a federally protected consumer under the Fair Credit Reporting Act and Privacy Act of 1974. 

Per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( XXXX XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between XXXX XXXX and me. 

Furthermore, I am requesting that XXXX XXXX provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that have been adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 15. I am giving XXXX XXXX 30 days from the date that of the receive complaint to provide me with the information that I am requesting. If the requested information is not received in the allotted time given, then it will be assumed that the late payments can not be verified on the dates specified above ( lacking reasonable procedures to ensure the accuracy of my account ) and I would therefore request the removal of the late payments from my account and consumer report with the following consumer reporting agencies ( XXXX, Experian XXXX XXXX or all that apply ) and an update to the accounts to positive and paid as agreed. Additionally, I am requesting that my credit utilization no longer be reported to the forementioned consumer reporting agencies as it is illegal to share my transaction history. 

Your cooperation in this matter is crucial to ensure the accuracy of my credit report and safeguard my rights as a consumer under the FCRA. I look forward to a timely resolution.