davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

I currently have a federal Perkins loan which was taken out with my XXXX university, and currently serviced by XXXX XXXX XXXX XXXX XXXX XXXX ( Heartland/ESCI ). 

The current balance on the loan is {$3000.00} as of XXXX XXXX, 2022. 

I enrolled in auto-payments with the company several months ago ( I can not find in my records when, but I believe it was in XXXX ) and subsequently received email notifications monthly that my payments had been continuously taken from my account. 

I never received a notification that any error had occurred or that a payment was not processed. 

Tonight, on XXXX XXXX I received an unsolicited telephone call from a representative did not identify themselves as being from Heartland ESCI, only that they were calling in reference to a loan with XXXX XXXX  ( the above referenced university ). 

After asking " whether this was a good time, '' and I indicating it was not because I was working, he proceeded to tell me this was a " courtesy call '' about my " past due account. '' Inadvertently Heartland/ESCI had continually failed to withdraw money from my account ( either because the information was entered improperly or because the bank account associated with it was closed. ) but never indicated money had not been withdrawn to cover the account balance. 

This practice has gone on for at least three months entirely without my knowledge. Heartland/ESCI made no attempt to contact me regarding failed or missed payments, and misrepresented that payments were being withdrawn from an account. 

On XXXX XXXX, 2022 I made a {$110.00} payment to Heartland/ESCI which was apparently inclusive of debit card processing fees and {$10.00} in fees charged for missed payments. 

Rather than alert me to the fact that my payments were not being processed, Heartland/ESCI decided to wait until I had amassed several payments and alert me to pay them at once.

I also am unable to navigate Heartland/ESCI 's website to find out which account is currently linked to my auto-pay. Their client-side web browser is clearly designed to confuse and obfuscate information to make repayment as difficult as possible, and any financial records with the servicer are not easily obtained. 

This debt collection practice is patently unfair, and likely violates both federal law, as well as contractual obligations Heartland/ESCI has to fairly collection minimum payments from borrowers.
Consumer complaint received 2018-03-13
Product: Credit card or prepaid 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: AMERICAN EXPRESS COMPANY (FL)

On XX/XX/XXXX I purchased a face cream at a convention for {$260.00} where XXXX XXXX had a booth. For trying a bit of their product or watching it tried you were issued a free facial at their spa. OnXX/XX/XXXX purchased another product for {$260.00}. That night I tried to use and face and neck broke out in welts, huge red bumps. I photographed, sent to vendor and said I was returning and wanted refund. I mailed via US Post office with tracing number within their specified timelines for refund. Received confirmation of delivery. Vendor contacted for refund. Said package not received. I contacted American Express to dispute charge and sent confirmation that package was delivered. I have sent confirmation 3 times to American Express. Three times the charge was written off and 3 times reinstated. The vendor evidently has kept the package and American Express says if the vendor hasn't received the package they do not have to issue a refund. I am enraged.
Consumer complaint received 2024-03-04
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. (AZ)

I am writing to express my frustration and disappointment with the several unsuccessful attempts to remove fraudulent items from my account. Despite my repeated efforts to address this issue, I have encountered significant obstacles and delays in their removal, which is deeply concerning. 

I have identified multiple fraudulent items on my account, which I believe to be the result of unauthorized activity or identity theft. These fraudulent items not only compromise the security of my account but also undermine my confidence in your company 's ability to protect my financial interests. 

I have diligently followed your company 's procedures for reporting and disputing fraudulent activity, providing detailed information and supporting evidence for each instance. However, I am dismayed to note that these fraudulent items persist on my account, despite my persistent efforts to have them removed. 

I urge you to prioritize the immediate removal of these fraudulent items from my account and to conduct a thorough investigation into the source of these fraudulent activities. Additionally, I request regular updates on the status of my complaint and the actions being taken to address this issue. 

Failure to resolve this matter promptly will not only impact my financial security but also reflect poorly on your company 's reputation for customer service and reliability. I trust that you will take swift and decisive action to rectify this situation and restore the integrity of my account. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-04
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. (CA)

This is my follow-up 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 XXXX. Balance : {$150.00} XXXX XXXX XXXX XXXX .... Balance : {$100.00} XXXX XXXX XXXX CA XXXX XXXX XXXX : - XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Bankruptcy XXXX Date Filed XXXX XXXX, XXXX
Consumer complaint received 2023-04-17
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. (FL)

It has come to my attention that, although I have written several letters, asking for validation of debt, audit trails, I am not getting any response because of the automated system you have in place, which in fact is a violation as well. I am demanding these accounts to be removed immediately off my credit report as it is in violation to the following federal constitutional laws. 

15 USC 1681 AE 15 USC 1691 15 USC 1601 15 USC 1692
Consumer complaint received 2018-03-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eagle Accounts Group, Inc. (OH)

I recently received a copy of my credit report and found that Eagle Accounts Group was still reporting a debt on my XXXX  report not only are they still reporting the debt but they have this account on my credit report 2X 's. This debt was paid in full and they advised me at time of my payment that they would remove it off my report due to the fact that I was not probably notified in writing of the amount owed they did not have my address.They have removed it off my XXXX in XXXX but have not removed it off my XXXX.I have since learned that Eagle Accounts Group is not licensed in the state of Ohio and therefore legally should not have been able to collect this debt. I am asking to have these 2 accounts removed off my XXXX credit report within the next 15 business days, as its adversely causing harm to my credit. Thank you in adavance
Consumer complaint received 2023-05-20
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: Experian Information Solutions Inc. (WA)

I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Consumer complaint received 2022-12-30
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)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-03-13
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: EQUIFAX, INC. (NC)

I am attaching a copy of the investigation request we sent to the credit bureaus on XX/XX/XXXX. They are supposed to respond within 30 days, but its been 60 days, and we don't have a response yet.
Consumer complaint received 2017-07-26
Product: Credit reporting, credit repair services, 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. (MI)

Inquiries on my report that were not authorized by meXX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inaccurate information information being reported XXXX XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX XXXX incorrect past due balance XXXX XXXX XXXX incorrect reporting account open date Contacted XXXX, experian, XXXX to report unauthorized inquiries and they failed to remove the inaccuracies on my report
Consumer complaint received 2022-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this matter can be resolved as soon as possible. 
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
Consumer complaint received 2020-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc. (TX)

Contained within my XXXX consumer report # XXXX is the following incorrect information.. 

GM Financial acct # XXXX incorrectly shows a delinquency of 30 days in XX/XX/XXXX, and Also XX/XX/XXXX. This account was paid in full and closed in XXXX of XXXX making these delinquencies impossible. 

GM Financial acct # XXXX incorrectly shows a delinquency of 120 days in XX/XX/XXXX. This account was paid in full and closed in XX/XX/XXXX making this delinquency impossible.
Consumer complaint received 2024-03-04
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. (TX)

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and delete them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-17
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: TekCollect Inc. (NJ)

TekCollect send me a letter for collection of medical bill. 
I call back to respond on the collection letter. Debt collector ask me my information to verify and it was verified correctly. 

Then after Debt collector was questioning about some other information with different birth date and trying to share the information. I stop to go further that information. However, debt collector keep going asking more information in reference to other individual. At the end the Debt collector was keep talking about can not dispute and other things and hang-up phone. 

This complain is warning against disclosing information to third party to collect debt. This is serious matter in debt collection practice.
Consumer complaint received 2021-03-10
Product: Credit reporting, credit repair services, 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. (CA)

Upon reviewing my Equifax Credit Report I noticed a hard inquiry for XXXX XXXX XXXX XXXX XXXX which I did not authorize or was aware of. 

Inquiry Date : XX/XX/2020 Company XXXX XXXX XXXX,
Consumer complaint received 2018-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I provided proof to XXXX that a debt collection agency who purchased Credit Card debt, Portfolio Recovery Associates, is using the tactic of illegally re-aging debt so that it will appear on my credit report longer than seven years past the the initial 30-day late payment of the debt. The debt should no longer be reflected on my credit report, but the debt collector has reported false dates in order to retain the debt on my credit report past the legal statute. The credit agency, XXXX, did not sufficiently investigate my claim of innacutare 1st delinquency dates on the original debt, and will not re-open the investigation, although I have provided proof that the debt collector / debt buyer is reporting false dates.
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (PA)

Account number # XXXX Southwest Credit System XX/XX/2023 Certified Mail XX/XX/2023 This debt was settle as agreed by the letter I mail to them Certified Mail that upon acceptance of the said debt that it would be removed upon acceptance of payment agreed upon All three credit bureaus being XXXX, XXXX, XXXX would be removed upon agreement and acceptance of upon agreement There has been poor communication and tactics
Consumer complaint received 2023-07-17
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc. (AZ)

I am writing to formally complain against Meridian Financial Services for ignoring my repeated attempts to dispute a debt. 

On XX/XX/2004, we entered a timeshare contract with XXXX. Due to unforeseen circumstances, we could not maintain the financial obligations tied to this contract. As such, we started the process of canceling my membership with XXXX. 

During this period, the debt associated with my timeshare was passed onto Meridian Financial Services. Since then, we have made numerous written attempts to communicate with Meridian Financial Services to dispute the debt. Regrettably, all these attempts have been ignored by the company. 

The debt needs to be returned to XXXX, the original creditor, so I can continue the cancellation process. The lack of response and cooperation from Meridian Financial Services has created unnecessary complications and stress. 

We have been mistreated, and my rights as a consumer have been violated. This unresponsiveness is unprofessional and impedes my ability to resolve the situation. 

We request the intervention of the Consumer Financial Protection Bureau in this matter. With your assistance, we can rectify this situation and ensure that the debt is returned to XXXX so we can continue with the cancellation process. 

Thank you in advance for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX and XXXX XXXX
Consumer complaint received 2023-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK (IL)

Discover Card has lowered my limit thus having my utilization rate percentage go up and is killing my credit score. I have never been late with a payment or never paid a minimum payment. I was not warned or given any explanation for this.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (OH)

CREDIT DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services, LLC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Disputing wrongful credit reporting on my credit report Reporting debt as closed when it was paid it in full. 


Dear Equifax, XXXX, XXXX. 

I am writing to request the investigation and correction of XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was paid in full as of XXXX/XXXX/XXXX The following account is reported as Closed on my credit bureau report XXXX 

This has negatively impacted and affected my credit score which you dropped XXXXXXXX XXXX from my credit score, because of your reporting. 



I am writing you to dispute this error of reporting my account with XXXX XXXX XXXX XXXX. 

This account should reflect Paid in full ( Not Closed ) Please reverse the negative XXXX XXXX, and add XXXX XXXX back to my score this account was paid off early NOT CLOSED. 

I have enclosed additional documentation to support my claim, Please note, I am a valued customer of XXXX XXXX XXXX XXXX. 

Review enclosed letter from XXXX XXXX XXXX XXXX stating that my account was PAID IN FULL XX/XX/XXXX. 


Please let me know how long this will take you to reverse this error. 
I thank you for your assistance and look forward to hearing back from you. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX