davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Todd, Bremer & Lawson, Inc. (FL)

In XXXX, I enrolled for a XXXX XXXX  class at XXXX University to advance my career. My employer at the time had agreed to pay for this course but along the line, before the commencement of the classes, they decided that the class did not align with the company 's need at the time. Unfortunately for my family, at this same time, my sister was going through a rough divorce decided to move in with me to escape domestic violence. In order to ensure she wasn't relying on government handouts/assistance, I had to realign my personal costs and needs to accommodate my sister and her newly born child. 

My experience from attending Ohio XXXX University is that one has to pay for their classes by the first week of class otherwise such person will be automatically dropped from the course. I thought the same applicable to this University. At least so I thought, I believed everything was fine until I received an email from an advisor stating the professor of the course noticed I had not been in class for the first 3 weeks. I sent a reply to the advisor informing her that I could no longer attend the class because I could not afford the cost. The advisor then told me to withdrawal from the class and send an appeal application to the office of registrar for tuition reimbursement. 

I honestly wondered why I needed to appeal for tuition refund for a course I never attended nor paid for. But because the advisor said it was the process with them, I had to follow it and do it. 

I submitted my Withdrawal reimbursement application to XXXX University and never received a response from them. I called several times and sent email but did not receive a response about my appeal. 

One year later, I received a letter from a debt collector called XXXX XXXX  stating I owe XXXX University a sum of about {$2000.00}. I sent all my evidence and communications with XXXX University to XXXX XXXX and they stopped contacting me. 
Now two year later, I received a letter from another collector Todd, Bremer & Lawson , Inc dated XX/XX/XXXX that I owe a total amount of {$4000.00} to XXXX University Tuition & Fee. I believe XXXX University is trying to extort me and I can not allow that to happen. I never attended any class and do not owe any amount to XXXX University. They are trying to switch collectors in an  attempt to scare me into paying what I do not owe to them. The university registrar has never responded to any appeal or emails for the last 3 years. 

This claim with Todd, Bremer & Lawson is under the Account XXXX XXXX. The letter states to notify Todd, Bremer & Lawson , Inc 's office within 30 days of receiving this notice in  order to dispute this debt. I have written and sent a certified mail to Todd, Bremer & Lawson , Inc. informing them that I do not owe any of this amount.
Consumer complaint received 2023-02-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (MD)

THIS CREDIT BUREAU IS REPORTING THE WRONG ADDRESS ON MY CREDIT REPORT. MY ONLY ADDRESS WHICH IS XXXX XXXX XXXX, XXXX XXXX, MD XXXX. ANY OTHER ADDRESS IS INCORRECT. I HAVE ATTACHED MY ID, SOCIAL SECURITY AND BILL WITH MY CORRECT ADDRESS. I HAVE NEVER LIVED AT ANY OTHER ADDRESS. ANY OTHER ADDRESS IS INCORRECT AND NEEDS TO BE DELETED.
Consumer complaint received 2019-12-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Community Health Investment Company, LLC. (MO)

On XX/XX/XXXX, I went to a XXXX XXXX XXXX Urgent care facility in Tucson, AZ. Urgent care was a covered expense after copay by my then-insurer, XXXX XXXX XXXX XXXX XXXX. I paid the {$50.00} copay. On XX/XX/XXXX, XXXX made two payments of XXXX and XXXX to the medicare center, a document which I have. 2 and one-half years later on XX/XX/XXXX, I received a bill for XXXX for the same claim. I had never been contacted at all in the 2 and one-half years since the visit. I called the medical center for an explanation and was referred to a billing office in XXXX, who did not have the referenced document and did not want a copy, but said my insurer did not pay. I called XXXX, no longer my insurer, who could not locate the claim. I sent a letter challenging the claim with the documentation to XXXX, and received no response. They then referred the claim to PASI Collections in XXXX, TN. I challenged the bill, again sending copies of my correspondence with the medical center and a copy of the document showing payment. They denied the claim without explanation. I am unable to understand what I am being billed for, 2 years later, and sent another letter asking for an explanation. No response at all.
Consumer complaint received 2024-02-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

Credit bureau is reporting a 30 late payment for the month of XXXX in XXXX. 
The account shows an on time payment for XXXX. this is a violation for the FCRA. An account has to be 30 days late before bureau reports as late. This account doesn't fall within that scope and is not 30 days late.
Consumer complaint received 2023-11-03
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. (CA)

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the XXXX. 
These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Consumer complaint received 2020-01-15
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: JPMORGAN CHASE & CO. (GA)

I did not authorize a hard credit pull of my credit. I only authorized a soft pull. 

Any hard pull of my credit is to be reduced to a soft pull or removed altogether. 

No authorization was given to have a hard pull of my credit file.
Consumer complaint received 2019-12-10
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: AMERICAN EXPRESS COMPANY (NV)

I'm a regular user of the Amex Rewards program. I have approx XXXX points and had reserved flights with the XXXX XXXX XXXX XXXX for a family vacation. When I attempted to transfer XXXX of my points like I usually do, the action was blocked by Amex. They said that it appeared I was trying to sell my points in violation of the rewards program, despite the fact that I have NEVER transferred my points to anyone but in my name or my wife 's name ( co-account holder ). 

That happened on the XXXX. I have been calling 2x a day or more and finally, after a cumulative 5 hours on the phone ( today is the XXXX ) I was told my account is " under review '' and there is no further appeal nor any other action I can take to prove I wasn't selling my points. Additionally, there was no timeline given for how long this review would take but it was the agent 's guess that it would take 6 weeks!
Consumer complaint received 2022-11-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (FL)

Accepted a non-contract cell phone deal with XXXX while a XXXXXXXX XXXX 
I received too many dropped calls and returned phone to XXXX pursuant to our agreement. Again, there was no contract. 
A short time later, XXXX placed a collection on my credit report and notified me that I still owed for the phone that was not returned. I contacted XXXX and provided photographic proof that the phone was returned. XXXX then agreed to remove the collection from my credit report. Now, some ( 3 ) years later, XXXX has sold the same debt to another collection agency who has now filed a collection on my credit report for the same phone that was already settled. The new collection agency is Jefferson Capitol System.
Consumer complaint received 2020-01-15
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 — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have checked my credit report with XXXX, XXXX, and XXXX  and discovered a fraudulent account in my credit report. I am a victim of identity theft, and Bank of America account ( acc no : XXXX ) was opened fraudulently without my permission and concern. I disputed this account with the credit reporting agencies, and I got a result that this fraudulent account has been deleted from my credit reports. But recently, I got a letter from XXXX  reporting agency that Bank of America is reinserted back to my credit report.
Consumer complaint received 2019-12-10
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: Experian Information Solutions Inc. (GA)

On XX/XX/2019, XX/XX/2019, and XX/XX/2019, I filed a proper dispute about XXXX XXXX XXXX with Experian with account number XXXX and contacted XXXX XXXX XXXX with a dispute with request for Each bureau reports a different date of last activity and account has been re-aged on this unknown account. I sent certified mail to XXXX XXXX XXXX twice on XX/XX/2019 and XX/XX/2019 to VALIDATE which they never response to this unknown account. XXXX  properly investigated and deleted off my credit report on XX/XX/2019. On XXXX XXXX, XXXX  properly investigated and deleted off my credit report. Experian refusal to properly investigate or properly mark this account as in dispute as is in violation FCRA and FACTA. I included a copy of this unknown account being deleted off my XXXX  and XXXX  credit report. My next step will be to file a small claims in court with Experian for violating the FCRA and FACTA laws.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Amsher Collection Services, Inc. (KY)

I contacted Amsher on XX/XX/2020 ; to notified them the balance of my debt was incorrect on my credit report. The outstanding balance on this account was {$300.00}. They are reporting {$700.00}. They informed me that there was {$390.00} of interest on my account. This totals out to be 56.19 % of interest. I believe they are in volition of the Military Lending Act. I am an XXXX XXXX service member and under that Law I can not be charged a rate of grater than 36 %. I would like the negative credit reporting removed immediately.
Consumer complaint received 2019-12-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (CO)

On XX/XX/2019, the principal balance of one of my outstanding student loans was increased by {$2100.00}. The increase is itemized as a " loan sale '' but I did not request any additional funds, nor did I receive such. Navient also did not notify me of this change, and I did not approve it. Because of this, and because this is not the first time Navient has made changes without my approval and outside what is allowed by my loan contract, I believe that my loan servicer is willfully defrauding me.
Consumer complaint received 2019-12-10
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. (IL)

The XXXX credit reporting agencies which are XXXX, XXXX, & Equifax have information on my credit that Due to the law & regulations of the FCRA & Debt Collection Practices Act by this financial institution not being able to provide the necessary documents to verify this debt by the law I demand that this account be removed from my credit report from all three credit bureaus ( XXXX, XXXX, & Equifax ). I have been asking the credit bureaus for an actual contract/agreement with my signature according to the Debt Collection Practices Act, section 1692g. 1. The original application or contract. 2.Any all statements allegedly related to this debt. Any & all signed receipts. If they fail to present all the documents I demand that this immediately be removed from my credit report from all 3 credit bureaus. This law is also listed under the FCRA SECTION 609 ( a ) 1 ( A ) you are required by federal law to verify with the physical original signed contract.
Consumer complaint received 2023-12-01
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. (PA)

Dear Sir/Madam, I am writing to follow up on my previous communication dated [ date ] regarding inaccurate and unverified information on my credit report, as reported by your agency. To date, I have not received any response or resolution to the issues outlined in my initial complaint. 

The inaccurate information pertains to the following items : All information is inaccurate and lawfully verified I.e legal standards. 
Incorrect address I.e multiple and inaccurate, It has been months since XXXX any update or fix or correction Acquiesce to claims. By law they need to remove all closed inaccurate accounts I was not notified of any posting of any information on my account. 

I want to emphasize that all of the information in question is inaccurate and unverified. I have not received any communication regarding these matters, and no documentation has been sent to me via certified mail or any other verified method. 

Given the lack of response and the continued presence of inaccurate information on my credit report, I am now considering the applicability of the Freedom of Information Act ( FOIA ) to this situation. 

I expect a prompt and thorough investigation into these matters, and I insist on the correction or removal of the inaccurate information from my credit report in accordance with the FCRA. If necessary, I am prepared to exercise my rights under the FOIA. 

Please treat this matter with the urgency it deserves, and I look forward to your response
Consumer complaint received 2023-06-30
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. (TX)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-04-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Nelnet, Inc. (SC)

Nelnet has called and emailed me several times regarding my student loans. They are in deferment due to the On-Ramp transition period from the Departent of Education . The On-Ramp period states that throught XX/XX/2024 it will automatically put all Public Student Loan debt in forebearence for any missed payment. Nelnet has even reported to the credit bureas that it is in forebearnce, but yet they call me and send me weekly emails stating I am " behind on payments. '' They are harrasing me Monthly for " missed payments '' when they themselves have reported me as being in deferment. In Several emails they state they put me in Deferment but in the following paragraph state I have to make a payment and also that they " can't control the credit bureaus ''. This is clearly a scare tactic and they need to be help accountable.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompts me to check my credit report. 

I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Consumer complaint received 2020-01-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITY NATIONAL BANK (MN)

I called the number on the back of my card ( XXXX ) and asked for them to close my credit card on XX/XX/XXXX. On XX/XX/XXXX I received an email from the the local banker ( XXXX XXXX ) asking me to confirm that I really wanted my account closed. I confirmed via email the same day. At that time I had a {$670.00} credit balance on my account. After that, I was charged a {$400.00} annual fee and my account was closed, even though I had requested the closure prior to being assessed the fee. I contacted XXXX XXXX about the issue and she informed me that I would receive two checks in the mail : a {$270.00} check for the refund of the balance and a {$400.00} check to refund the annual fee. I received the first check for {$270.00} ( dated XX/XX/19 ), but the second check has not arrived. I contacted XXXX XXXX again multiple times this week, and all emails are being returned as undeliverable.
Consumer complaint received 2023-02-09
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. (AL)

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Consumer complaint received 2019-12-10
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: DISCOVER BANK (NY)

I'm not able to modify my previously complaint so In order to submit new documentation received in the mail, I had to resubmit a whole new complaint. I've been trying to get Discover Financial Services to remove their account off my credit report and have disputed with XXXX  several times since XXXX of this year ( 2019 ), but I may need to dispute with Discover directly. Discover sold my account to a collections agency ( XXXX XXXX ) and the collections agency had taken me to court in which I won the case. Since I won the case, this credit card/Collections agency should be removed off my account. It is still reporting as late payments which is having a tremendous effect on my score. Of course, XXXX XXXX submitted the wrong index number on all their documents to mislead me, but upon filing my information with the court they were able to locate the case and I was mailed proof of dismissal of the case. I've sent this documentation to XXXX   weeks ago and it's still on my report. XXXX and XXXX were kind enough to send me a letter of dismissal as well, but NO ONE wants to remove this from my credit report.
Consumer complaint received 2019-12-02
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: CARRINGTON MORTGAGE SERVICES, LLC (CT)

XXXX  Credit reporting agency is reporting that I owe {$170000.00} for Carrington Mortgage. The balance that XXXX  is reporting is incorrect. The balance for Carrington Mortgage should be reflecting {$93000.00}. Please investigate XXXX  for reporting the wrong credit information for Carrington Mortgage. Please update my credit report and credit score.
Consumer complaint received 2024-04-05
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (FL)

American Express is charging me two interest payments. They claim that because my interest rate was lowered, that they will continue to charge me the old interest rate on my balance. Then they charge me additional interest on the balance with interest, even though they admitted I pay the interest payment with my minimum payment. They then advise that they tack on an additional 1 % on the new balance on top of the interest payment. This is causing me to not be able to pay down my balance, even after I make {$5.00} extra payment every month. My balance has not budged in over a year, and I have not made any new charges in over a year. In fact my interest charges get more expensive each month, when I pay {$25.00} down on my balance every month. How is this even possible?