davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-03
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings (AK)

XX/XX/XXXX. 

this debt was sold to IQ data collections without a written consent from myself and was latter reported negatively to my credit report. 
no known actions were made aware to my till XX/XX/XXXX. of XXXX that such an account of debt was brought to my attention. 
when contacted with the collection agency of XX/XX/XXXX it was brought to my attention that they not only had this debt against my credit but also increased the payment due to interest on said account I had no knowledge of. 
Also when asked for a letter for credit deletion they withheld and refused to provide me with any letter and any further information.
Consumer complaint received 2023-02-22
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: Experian Information Solutions Inc. (CA)

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX CRED XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX
Consumer complaint received 2023-02-03
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: CITIBANK, N.A. (AZ)

In XX/XX/2022, I have attempted several times to dispute the transactions with XXXX, but either they do not understand, or they just refuse to listen. I have listed the items in the attached papers, with the final amount disputed of : {$1100.00} Two the excursions I did not even go on, those two amounted to : {$370.00} ( See yellow highlighted area ). They did in fact acknowledge that they charged me twice for two other items and would issue a credit for that. 
Then I was charged a total from this card, a total that I am disputing with you, but only {$1200.00} was authorized, as XXXX had already charged my XXXX ( Checking Account ) in the amount of {$1100.00}. 
I have attempted so many times to explain the discrepancies with them, but they have refused to understand that I was overcharged and charged for items I did not attend and timely de-scheduled. One of the items was canceled, and then put back on the schedule, but by that time they had already taken me off the schedule and I was scheduled for something else. 
Please kindly review the included documents and I dispute the complete charges from XXXX. I accept the listed items but I do not find it fair I have been charged for items either twice or in absence of me attending due to their error. 
Despite the many emails sent to CitiBank Credit card, and the ample documented evidence, they have refused to refund me the monies owed. I showed them the duplicate charges, that even XXXX admitted to but nothing is ever done. This is a substantial amount of money and Citibank refuses to do something about the many documented fraudulent charges made by XXXX, including the duplicate charges. 
I started my dispute with Citibank XX/XX/2022, realizing the duplicate and non-participating charges ( they said I went on excursions, I clearly did not ). I got nothing from them, and again requested assistance in XX/XX/2022, then after a denial of the claim because someone failed to read the CLEAR duplicate charges and the non-participating charges made in such an egregious amount, it was denied again. They were not even looking into it or disputing it for me. They let XXXX get away with clear amounts of fraudulent charges.
Consumer complaint received 2022-09-15
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (FL)

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

1.DEPT OF EDXXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 

Please forward me an updated credit report after you have completed your Investigation and corrections.
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: CARD Corporation (AZ)

I used my prepaid ( Card.com ) card to pay a third party ( XXXX XXXX ) via money transfer ( XXXX ). The transaction took place XX/XX/2022 for the total amount of {$84.00}. Expecting the money to be applied to the XXXX account appropriately, I waited for it to post to the account. 3 weeks to a month later ( on XXXX about XX/XX/2022 ), is when I was informed the XXXX account had been closed. At this point I was in wait for the refund and once XXXX released the funds back to XXXX, i should have been able to get my money back from them. XXXX was not being forthcoming with info on how to retrieve the money, so I them filed a dispute with Card.com. At this point I have tried to reopen the dispute thru Card.com. I repeatedly bounced back and forth between Card.com and XXXX. I simply want back my funds. And truth be told, XXXX should be the entity to process the refund, but several reps stated that because I filed a dispute, with the bank to my prepaid card, I would have to address them.
Consumer complaint received 2023-01-14
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. (NJ)

This is my 2nd written request to remove late payment reported in error. I had previously filed a claim with the Consumer Financial Protection Bureau ( Claim number XXXX ) to address this issue, but it was not resolved. XXXX must comply by continuing to send automated responses stating they are researching the matter. I have also provided documentation showing the triple payments made due to a scheduled XXXX. 
XXXX XXXXRemove Late- Account Closed/Paid - car that was totaled on XX/XX/XXXX. 
Remove late XXXX, XXXX, XX/XX/XXXX Account Paid as Agreed- 3 payments ahead on the account XXXX & XX/XX/XXXX -Paid -Record paid on time. 
In conclusion, I respectfully request that you investigate this matter and remove the inaccurate late payments from my credit report as soon as possible, in accordance with the Fair Credit Reporting Act ( FCRA ) section 611, which states that consumers have the right to dispute any inaccurate credit information. Additionally, under section 617 of the FCRA, any person or company who fails to comply with any requirement imposed under the FCRA with respect to a consumer may be liable for actual damages and fines of not less than {$100.00} and not more than {$1000.00}. Furthermore, as per section 1505 of the United States Code, consumers have the right to privacy in their credit information.
Consumer complaint received 2020-09-25
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: EQUIFAX, INC. (NJ)

I have been sending dispute letters asking for these egregious accounts from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mr. Cooper Group Inc. (NM)

BANK TRYING TO COLLECT AN UNCOLLECTABLE JUDGMENT FROM AN UNREPRESENTED THIRD PARTY REAL ESTATE PROPERTY AND EXTORTING CASH UNDER THE FALSE PRETENSES OF MAP ASSISTANCE, LITIGATING DURING HER LONG XXXX  ILLNESS TIME FROM A XXXX  AND XXXX XXXX SENIOR WHERE HER DAUGHTER WAS PROMISED A ''WORKOUT '' TO DISMISS THE ISSUE THROUGH MAP AS SUCCESSOR IN INTEREST OF XXXX XXXX AND XXXX OF XXXX XXXX Nationstar dba as Mr Cooper is threatening to " sell our house without a hearing '' in XXXX  for an uncollectable judgment for a discharged debt of XXXX, with someone else who has not been on title since XXXX. 

Nationstar is trying to seize an asset of a third person to attempt to collect funds from a debt of a third party who is not on title. 

Nationstar has colluded with the debtors referred as " cons '' by attorneys consulted to swindle funds from a senior who has been inflicted with XXXX XXXX and take advantage of her XXXX to not only threaten her constantly that they " will see her house '' without a hearing but also collected the funds that have been deposited in court for the settlement of all debts in the house. 

This was a transaction originated and offered by XXXX XXXX The title is in XXXX XXXX 's name
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY (VA)

Wells Fargo allowed XXXX XXXX to take money out of my account several times in over 6 months creating money problems for me. I ask them to give me XXXX to resolve the issues. This lady called me and offered me XXXX dollars and I kept calling her back but she would never call me back so I left her several messages and I told her that XXXX was needed to resolve the issues and so she did what she wanted to do so the issue isn't resolved Kept opening and closing accounts with my information
Consumer complaint received 2021-02-19
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: LEXISNEXIS (MI)

I filed for bankruptcy in 2016. When the clerk at the bankruptcy court entered my case information, they forgot to add my XXXX XXXX XXXX to my bankruptcy despite the information being in the filing documents. The bankruptcy clerk, instead of amending the filing to correct their error, dismissed and refiled the bankruptcy under a different case number. My credit report shows I have two bankruptcies from 2016, which is greatly affecting my credit score. I provided the credit reporting agency with the document from the court indicating that they made an error, and refiled the bankruptcy. The credit reporting agency LexisNexis refuses to remove the bankruptcy erroneously reported.
Consumer complaint received 2023-01-21
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: WELLS FARGO & COMPANY (NJ)

They charged me way too much for a used car loan. They charged me a very high interest rate. The put negative remarks on my credit, they charged me way too much in late fees, when I traded the car in they gave very little money. They over charged me for everything they really ripped me off
Consumer complaint received 2023-01-21
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. (FL)

I CLOSED my XXXX Bank credit card ending in XXXX but agents and their supervisors illegally claimed that Closure Status may not be reported to credit reporting agencies for up to 60 days despite the fact that XXXX XXXX Compliance would require an immediate reporting of my account as Closed at consumers request to every CRA. The FCRA and XXXX XXXX require PROMPT and immediate mid cycle reporting of Closed accounts when the button is pushed to close an account. My credit reports remain open in willful violation of the FCRA and furnisher has stated that it has no intention to promptly report my account as closed. I seek {$1000.00} in statutory damages for each day the willful violation remain until permanently corrected. Permanent deletion of my account is demanded as my account is NOT XXXX XXXX Compliant. At a minimum, my account must be PERMANENTLY reported as DISPUTED as this Complaint challenges balances due to statutory damages for willful FCRA violations. Additional FCRA willful violations will occur if my accounts are not marked as disputed permanently.
Consumer complaint received 2023-12-29
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc. (MI)

I had to pay {$100.00} in XXXX, as I was on an income based plan. Then administive forbearance until XXXX. When I am checking my account now, it says in in the standard plan and it'll be over {$600.00} a month, which I can not afford. I've reached out via email and have not got a reply, and the phone number they give has an unreasonable wait time.
Consumer complaint received 2024-04-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (PR)

I did not received the XXXX XXXX Statement. When I realized, I went to the store and paid the complete balance. I complained with the cashier about not having received the statement, and she gave me a customer service number. I called there and explained the situation. They confirmed that there was an error in the address, and fix it. Since there was an error in the address, I never received the statement. Moreover, the company never called me to notify the payment delay. Therefore, this late payment should be removed from my credit history.
Consumer complaint received 2022-12-20
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 — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation (PA)

i sent a letter on XX/XX/2022 to XXXX XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making any sense. 
according to the law 15 U.S.code 1681 i procedure in case of disputed accuracy in the completeness of accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the the consumer and the consumer notifies the agency directly or indirectly through a reseller of such dispute, the agency shal, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ) before the end of the 30 day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller
Consumer complaint received 2023-01-22
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: CITIBANK, N.A. (OH)

On multiple occasions I sent, registered mail with a police report from the XXXX XXXX XXXX XXXX in conjunction with the federal trade commission report and lastly my dispute letter. I disputed over the phone I have disputed online and through registered mail. XXXX is the only XXXX reporting this inaccurate information and they refuse to honor my humble request although I have been victimized by identity theft. Please help me. XXXX XXXX. XXXX has horrible customer service and very disrespectful there business practices are unacceptable. I'm ready to take this credit reporting company to justice. XXXX has proven themselves incompetent and ultimately forced me to file this report. I tried to resolve on my own but they refuse to adhere to the police report ftc report and have totally disregarded my diapute letters. I have disputes this inaccurate item XXXX times
Consumer complaint received 2021-09-30
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: BARCLAYS BANK DELAWARE (NY)

I was charged twice from same company for same amount I have been trying to resolve this since XX/XX/XXXX. 
So obvious that I was charged XXXX twice on same day I closed my card followed all they said they have temporary credit then removed and I am Still charged twice XXXX. That is not Mine I am so frustrated getting no where
Consumer complaint received 2023-01-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (GA)

I had multiple vendors that I bought items or paid for services from that were never delivered but I was still charged. I tried to cancel the services or cancel the items, request refunds and ask for the automatic debts stop with the merchants with no success. These caused me hundreds of over drafts and thousands in fees and lost monies. When I tried to dispute things with Wells Fargo, they never cancelled the debits, blocked the reaccuring charges, or pursue action against these unauthorized debits, never refunded overdraft fees, kept charging overdrafts, pretty much never helped me, had my back, or treated me like a valued customer, just a number. In the end, the caused my business to fail and close its doors.
Consumer complaint received 2023-05-12
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: EQUIFAX, INC. (TX)

When I investigated my credit report, I realized that some of the information was 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 this 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 below : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00}. XXXX XXXX XXXX XXXX Balance Owed : {$510.00}.
Consumer complaint received 2023-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (MI)

I have taken all appropriate measures as well as reaching out to all of the credit bureaus making them aware and also placing freeze holds on them. I have filed multiple reports with all of the sources, disputes, and complaints with XXXX XXXXThere are multiple phone services suddenly popping up on my collection reports and this is just one of the 3 accounts I have to attempt to resolve. My business has also been compromised.
Consumer complaint received 2020-12-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (CA)

In XXXX of 2020, American express abruptly changed my APR from 13.24 % to 29.44 %. I did not notice this until XXXX XXXX, 2020. When I called American Express inquiring why I was paying what I perceived as exorbitant interest on a relatively small balance, they told me I had a " late payment '' that triggered a penalty fee in XX/XX/2020. At that point, the agent reduced my interest rate back to 13.24 % moving forward from XX/XX/2020 onwards, however I was still responsible to pay the interest incurred from XXXX of 2020, which amounted to {$520.00} extra interest than expected. 

Later, I called American Express again asking to remove this interest rate on the basis of being a loyal cardmember for over 16 years. They refused to return the interest that was charged. 

This inspired me to dig into my monthly statements, and what I found was disturbing. I pulled up all of my monthly statements from the period of XXXX through XX/XX/2020 and discovered that American Express had, without notice, fraudulently increased my interest rate to over double the 13.24 % usual interest rate, starting in XXXX of 2020. I cross referenced every single payment and all minimum payments and confirmed that each month during the year I had paid in full, and on time. Furthermore, I had autopay setup, so there was no possible way that underpayment could have happened. Essentially, American Express first lied to me, and then when I called back after researching my all of my monthly statements, they claimed that some returned payment in XX/XX/2020 was to blame. When I looked into this, I discovered that yes, a returned payment did occur, however I paid XXXX additional times for a total payment of {$4200.00}, when my minimum payment was {$1700.00}. It is fraudulent and illegal for American Express to raise my interest rate without just cause, and furthermore without notice. I would like that the CFPB corrects American Express ' practices to improve their record keeping to actually look at customers total monthly payments and dates before they fraudulently increase interest rates and rip people off. I felt cheated and taken advantage of. American Express definitely was not looking out for the customer in this case.
Consumer complaint received 2023-01-21
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NM)

Wells Fargo took out of my account double and I couldn't use ATM card alot of times my account was taking off savings and I would use my card and it was XXXX making it embarrassing when money was there fraud would freeze my account having to step back in line for purchase
Consumer complaint received 2023-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC. (MD)

Ive never had any relationship with Midland Funding LLC collection agency or original creditor. Since 2012, they have been harassing me for a debt that I do not owe them. Now 11 years later, theyre trying to garnish my paycheck for {$2700.00}, therefore causing hardships for me and my family. Theyre ruining my reputation by sending a writ of garnishment notice to my job. Theyre causing some serious problems in my life. I am tired of them bullying me by threatening to take my hard-earned money and ruining my credit. Theyre stressing me out. Eleven years of being harassed by them is way too long and according to Maryland State law this is illegal. Furthermore, even if I did owe this debt to the original creditor the statute of limitations on collecting a debt would have expired. Midland Funding LLC, INC collection agency needs to leave me, my family and my job alone.