davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im simply disputing my credit scores that have been grossly deflated by the Credit Reporting Agencies and have been reported that way for over 2 years by these same Credit Reporting Agencys. They have been reporting grossly inaccurate information that has caused great HARM to my family and I and continue to do so. Theyve done nothing to fix this.
Consumer complaint received 2022-06-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (NJ)

LVNV aka Resurgent Capital Service a company from South Caroline filed a civil lawsuit against me in XXXX XXXX NJ ( XXXX, NJ ) without contacting me or verifying the debt.
Consumer complaint received 2022-06-15
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act : XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX have 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.
Consumer complaint received 2020-07-26
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. (MI)

XXXX XXXX XXXX XXXX XXXX, MI XXXX Dear Federal Trade Commission : I want to make a complaint against my former credit card company. 
Background : My previous credit card company was XXXX. 
During about 10 years of using that credit card, there were no late penalties or any problems. I also had set up auto-pay. 

In late 2019, the XXXX credit card was taken over by Citi. Thats when the problems started. Though I had transferred and/or retained my auto-pay arrangement, I later received a bill with late charges. 

I protested and kept contacting the credit card holder, but my protests were essentially ignored. ( XXXX ) I dont think the credit card company handled this matter in a fair way, and making a complaint. The card company erred by not putting my auto-pay arrangement into effect. It also erred by adding left fees on top of the balance. 

Yours truly, XXXX XXXX XXXX
Consumer complaint received 2022-06-15
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: CAPITAL ONE FINANCIAL CORPORATION (CT)

On XX/XX/2022 I received a bill from Capital One for {$39.00} for a charge I did not make. 
I also contacted the vendor, who agreed with me. 

On XX/XX/2022 I mailed a cover letter with pertinent bill copies to Capital One c/o " Disputes '' ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX. 
( Copies Attached ). 

On XX/XX/2022, I received a bill again, this time with a late fee, now totaling {$65.00}. I immediately sent another cover letter with pertinent bill copies to Capital One c/o " Disputes '' ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX UT XXXX XXXX. 
( Copies Attached ). 

On XX/XX/2022 I also sent a personal check for {$65.00} to Capital One in order to maintain my excellent credit rating ; done under duress. 

I was informed today that they did not receive my check. 

Capital One has ignored me completely on this issue, with nary a word or correspondence from them whatsoever.
Consumer complaint received 2018-08-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (NY)

I was received some emails from American Express advertising the AMEX Delta Gold credit card. The emails were addressed to me and offer was made to me specifically saying that if I get this credit card I will receive XXXX points after spending {$2000.00} in 3 months, another XXXX points for spending an additional {$1000.00} in 6 months and a {$50.00} credit after I make a Delta purchase in the first 3 months. I also saw the same offer when I logged into my AMEX account to pay for my other credit cards ( I have multiple cards with AMEX ). I decided to take advantage of this offer and got approved right away. I received my credit card at the end of XX/XX/2018 and quickly fulfilled of the requirements for the {$50.00} credit and XXXX delta points. I waited a few months but neither the credit nor the points were given to me. I called AMEX and asked them what the issue was and opened a case to get the points. I was told that it will take up to 8 weeks to get a decision but did not hear back from AMEX. I called and called and there was no resolution. Finally, they informed me that since I had this credit card XXXX   years ago I was no eligible for this promotion. I feel like I was taken advantage of and targeted for this offer unfairly. These offers were sent to my email and shown inside of my private account. I feel like this is wrong and I deserve to get the points. Furthermore I referred my XXXX   and was supposed to get another XXXX points but they did not give me this as well.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$150.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1400.00} XXXX XX/XX/2023 XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$9000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/2023
Consumer complaint received 2022-06-15
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: Resurgent Capital Services L.P. (IL)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2019-03-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RELIANCE FIRST CAPITAL LLC (VA)

I submitted my information on XXXX on XX/XX/19. On XX/XX/19, a Reliance First Capital sales associate called me from a toll free number ( XXXX ). After hearing what he was calling about I told him I was not interested and hung up. Immediately, the same person called me back from a different phone number ( XXXX ). I picked up the phone and he started talking to me again. I told him again that I was not interested and he shouldn't be calling me again, and that I was going to file a complaint. He proceeded to tell me he wasn't breaking any laws. I asked for his full name and he told me he didn't have to tell me that and he hung up on me. 

I'm also submitting a CFPB complaint, because this type of harassment is not ok. You should be ashamed of these practices.
Consumer complaint received 2020-07-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: ENOVA INTERNATIONAL, INC. (MO)

Net credit has a predatory loan business model plain and simple. On XX/XX/XXXX My ex husband needed an emergency medical loan for {$3000.00}. The fastest option was net credit at a % 150.32 XXXX rate. Sadly he took it under my name. This company was paid {$8000.00} from my account Between XXXX. 
On XX/XX/XXXX I made a {$1200.00} Payment under the assumption that this would take care of my balance. It didnt and they just piled on interest for another year & 3 months. Realizing this company has taken advantage of someone in financial trouble. I stopped all payments on the date of of XX/XX/XXXX. They then collected interest on the total for 15 extra months from the last payment date made to them. sold it to a collection agency in the amount of {$4600.00} to land on my credit report XX/XX/XXXX. Net credit solutions now shows another derogatory mark for this loan that claims to have been sold to them on XX/XX/XXXX. This company has haunted me and cost me so much XXXX anguish, sorrow & frustration. Now this loan has been sent to attorneys office of Arkansas as of XXXX years ago which I had NO idea about!! I had to call them! No response from net credit or XXXX XXXX. So I may have to go to court in Arkansas over this?!! Please help. This is absolutely disgusting as a consumer and this company needs to be questioned and investigated. They are supposed to collect from the date of the last payment made. They have lied and said I made a payment in XXXX. Not true. That has given them the opportunity to hold this over my head even longer. They should not be in business.
Consumer complaint received 2018-04-30
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (OH)

Nelnet student loans provider 1 ) I have been in contact with Nelnet several times over the last 6 years, I would sporadically call in to check on my Public service forgiveness. I was always told that as long as I didn't miss a payment, I was in good standing to receive this forgiveness after my 10 years of payments. I recently found out that I do not qualify after being told that I did for years. 
2 ) On one of my calls checking on my public service forgiveness, I asked for details on when my Loan would qualify for forgiveness ( time frame ). Later that week or month i was told that my payment was going up from {$150.00} to {$180.00}. Date of conversation was around XX/XX/2014. Only explanation i received was the payment was miscalculated. 
3 ) I do not believe this was Nelnet but somebody refinanced my loans without my knowledge or agreement. I asked for those documents from nelnet and was told the only way to get those was through a subpoena.
Consumer complaint received 2018-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NY)

On XX/XX/2016 i was faced with having to move out of my apartment, i contacted the loan agency stating i wouldnt not be able to make payments for this month but i am able to pay it off in the following months. They agreed but later on i see a late payment even though i finished my payment and closed the account the late payment is still being shown, Please assist me in this matter im also fighting unfortunately late payment for my XXXX XXXX payment which occurred around the same time. I have been consistent since and all my accounts are in good standing. I would love to get a home and start a family, unfortunately my credit score is at a major halt due to these payments.
Consumer complaint received 2018-04-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C. (PA)

The XXXXXX/XX/XXXX, in XXXX sent a " judgement letter '' to my home saying I owe " XXXX XXXX XXXX '' XXXX dollars. This was opened ( checked credit report ) in XXXX XXXX?? I never got or my parents, since they get the mail here, and I would have known about this card for XXXX XXXX XXXX. and why now the dispute or this case, which I have no knowledge of. They now put this report into my credit report?? as of yesterday, after I wrote the back and told them this account is NOT mine. and it was NOT in my credit report?? This account was opened in XXXX XXXX, Texas?? I lived in PA at that time. According to the report they added, this was taken out in XXXX of XXXX  I did go to XXXX XXXX that year of XXXX and returned to PA in XXXX?? I have no idea who would open a card in my name. I lost my card there twice! ( in XXXX ) and my phone was stolen as well, and had to retrieve my social security card after I got back to PA. There is no way I could have opened up a XXXX  XXXX XXXX XXXX?? Something I have no idea of. I need the law firm to investigate this since I do not own this card or ever have. I have also a credit card which was never used at a " XXXX XXXX  XXXX '' opened as well?? ... which is not mine, and I never applied for this either. I believe I have been the victim of some stupid identity scam. I reported this dispute with the Credit report companies as a dispute? I know what and who I owe, but not this card or the other
Consumer complaint received 2022-07-22
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act, XXXX XXXX - Account # XXXX, XXXX - Account # 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
Consumer complaint received 2021-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (TX)

The item reported by Experian and XXXX  should have been deleted and XXXX sent Experian and XXXX  a letter that the account needs to be deleted. Experian and XXXX  has not deleted the account off my credit.
Consumer complaint received 2020-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO. (NJ)

I have a loan with Jpmcb Card. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and Jpmcb Card with no successful resolution. XXXX only reporting me late.
Consumer complaint received 2018-04-30
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. (FL)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX  XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2018-04-30
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. (FL)

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Consumer complaint received 2018-04-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TSC Accounts Receivable Solutions (IA)

Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with TSC Accounts Receivable is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and TSC Accounts Receivable have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general in 2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX  XXXX XXXX XXXX to collect.
Consumer complaint received 2021-06-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (CO)

Prior to XX/XX/XXXX, I sent via mail XX/XX/XXXX what I could afford. 

Received an email XXXX XXXX with a contract, that was not what I agreed nor stated I could pay. 

XX/XX/2021 I called both the courts as I was sent documentation to attend. The jail stated I did not have to come into court if I made arrangements. I made arrangements prior to the court date. The law firm sent over a contract that was incorrect from what we argeed upon. I called them XX/XX/XXXX and discussed via phone also to have a new contract sent out to me via email like they did originally and I would sign with the correct agreement. They stated tey had to type one up and they would sent out the " new contract '' that was agreed to via phone- phone recording. 

No agreement has been resent to me since XX/XX/XXXX. I have the email chain showing this. 

Since then I have not reiceved any further documentation, nor agreement that was discussed. They have marked non payment on my credit when there has not been an argeement,
Consumer complaint received 2022-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (NY)

I submitted 3 employer certification forms on XX/XX/22 for loan forgiveness. On XX/XX/22 I submitted the forms for the second time when I received the letter stating only one form was received. On XX/XX/22 only one of the form was processed and even that one was not processed correctly. I called the ombudsman on XX/XX/22 when nothing was updated on their website. The ombudsman stated that it would take 2 weeks to process all the forms. On XX/XX/22, I saw that still only one of the form was processed correctly. I called the ombudsman again on XX/XX/22 who now stated that it would take another month to process.