davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-24
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2022-01-24
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: ALLY FINANCIAL INC. (FL)

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX ALLY FINCL XXXX XXXX ALLY FINCL XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-01-24
Product: Debt collection — Auto debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Radius Global Solutions LLC (NY)

I have never been in contract with Radius Global Solutions they are POSING & reporting late payments under false alias Regional Acceptance it is illegal for them to continue to claim or falsify information or threaten me I will be taking legal action if the harassment continues REMOVE ALL LATE PAYMENTS ON CREDIT REPORT
Consumer complaint received 2022-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (NY)

I have paid off all of my student loan interest. My balance should reflect {$250000.00}. Today on my XXXX loan several thousands of dollars of my payments were mysteriously " unprocessed '' and over 7,000 was added back to my student loans in " unpaid interest '' while my student loans are in forbearance. The reversal of processing over {$7000.00} of my hard-earned money during the forbearance period was told to me by Great Lakes Student Loan servicing customer service over the phone. The explanation they gave was that they payments had simply become " unprocessed. '' This is theft by the DOE and theft by Great Lakes Student Loans servicer and if this is not addressed I will sue both entities for conversion and breaching the loan agreement with me. I am an XXXX XXXX in the State of New York and I am sick and tired of the government taking advantage of loan borrowers. This is unbelievable and absolutely 100 % unacceptable that my own government would essentially steal over {$7000.00} from me. I am livid.
Consumer complaint received 2021-05-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (NY)

My mortgage was previously serviced by The XXXX XXXX, XXXX. They transferred servicing to Mr. Cooper. My instructions were to send any payments due on or before XX/XX/XXXX to The XXXX XXXX and any payments due after XX/XX/XXXX to Mr. Cooper. 

I submitted my XX/XX/XXXX payment to The XXXX XXXX, per the instructions above. 

Today, I received a harassing mobile app notification from Mr Cooper saying that I needed to make my XX/XX/XXXX payment by XX/XX/XXXX to avoid a late fee. 

I contacted Mr. Cooper support. They insisted that this is my responsibility, and then hung up XXXX ended the online chat ) on me.
Consumer complaint received 2022-10-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

I have sent dispute letters for inaccurate reporting on my credit report in XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for the XXXX XXXX account reporting on my credit. I have also contacted XXXX XXXX about this issue multiple times. I finally received a letter from XXXX XXXX. 

According to my rights under the federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. I also have a right to the following : 1. To dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. 

2. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate. 

3. Seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Consumer complaint received 2022-01-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY (CA)

Received email on XX/XX/2022, stating that my credit limit would be decreased. Amex said that I could avoid the credit limit increase by paying {$1600.00}. I telephoned Amex, and spoke to 'lending department ' ( based in XXXX  because there are no US representatives for lending ). Representative stated there were no late payments in last year ( stated he could not go back further in time ), and no negative comments ; " account in good standing ''. 
I stated that I perceived the email as a 'demand letter ' for a payment of {$1600.00}. The representative denied that it was, stating that I could avoid the reduction in credit limit if I paid {$1600.00}. 

PS. I have looked for email ( in computer trash ) and can not find it. I will keep looking.
Consumer complaint received 2023-11-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bay Area Receivables, Inc (VA)

I sent a certified letter to the company requesting information so I could validate the debt. They ignored my request. I have proof that they received my letter. They continue to report this information and have not indicated that I am disputing the debt.
Consumer complaint received 2021-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

My husband died on XX/XX/2020. We had a joint checking account at Capital One. I husband had 2 credit cards with Capital One. The credit cards were closed soon after my husbands death. I paid the the balance off on the agreed amounts to settle the credit cards 2 months ago. Capital One continues to collect {$300.00} at the beginning and end of each month. I have been unsuccessful in stopping this action. I have been told that these allotments were set up through Capital One Bill Pay. I have tried to stop Bill pay on online. I have spoken to several representatives. No one seems to be able to solve this problem. I have even faxed them copies of the checks and a receipt indicating that the loan is satisfied. 
I need reimbursement for the funds that were deducted after the credit cards were paid off. 
Please help. I am grieving the loss of my husband of 47 years and he served our country for 26 years in the XXXX XXXX. 

Please help. 


Sincerely, XXXX XXXX
Consumer complaint received 2022-04-09
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. (NC)

XXXX, Experian, and XXXX are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4.XXXX XXXXXXXX XXXX XXXX : {XXXX} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
5. XXXX XXXX XXXX XXXX XXXX {XXXX}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
6. XXXX XXXX : XXXX opened XX/XX/XXXX balance {XXXX}. never late 7. XXXX  XXXX : XXXX opened XX/XX/XXXX balance {XXXX} never late XXXX. XXXX XXXX : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {XXXX} not my account I have XXXX XXXX XXXX
Consumer complaint received 2022-01-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (FL)

On XX/XX/XXXX I took a look a my experian report and found some inaccurate items on my credit report. A collection from XXXX XXXX for XXXX was listed on my credit report that I am not responsible for. I am a victim of idenity theft. Below is a copy of the information. 


ccount Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$62.00} {$62.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your XXXX Score XXXX. 
Payment Info Original balance {$62.00} Balance {$62.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Consumer complaint received 2022-01-24
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. (NY)

You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.
Consumer complaint received 2023-07-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Premier Auto Credit (CA)

In XX/XX/ 2016, I stopped receiving statements for my auto loan. I followed up with Premier Auto Credit and continued payments. Amounts and information was incorrect, followed up and updated info. Then I moved, by the time my invoices and account was corrected I was behind in payments more than I could afford to pay at the time. Expressed my hardship and they weren't able to make an arrangement that worked.
Consumer complaint received 2022-04-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

XXXX, XXXX, and Transunion are all the three companies 1. Payment History : XXXX XXXX XXXX XX/XX/XXXX was not late 2. Payment History : XXXX XXXXr credit card XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX reported late payments which is inaccurate because the dates were not late according to the agreement 3. Payment History : XXXX XXXX XXXX XXXX never late ( account closed ) 4.cXXXX XXXX  service XXXX XXXX {$320.00} XX/XX/XXXX was not my account and I'm not sure why its open because its not to my recollection. 
5. XXXX XXXX XXXX XXXX XXXX {$100.00}. not my payment they XX/XX/XXXX XXXX they mentioned my account was paid in full. 
6. CXXXX XXXXXXXX : XXXX opened XX/XX/XXXX balance {$9600.00}. never late 7. XXXX XXXXt : XXXX opened XX/XX/XXXX balance {$2600.00} never late 8. XXXX XXXXrt : XXXX opened XX/XX/XXXX balance no balance never late 9. XXXX XXXX : derogatory {$550.00} not my account I have XXXX XXXX XXXX
Consumer complaint received 2022-01-24
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: Bread Financial Holdings, Inc. (FL)

Good day! I found out on my credit report that there is incorrect information recorded under my name. I immediately wrote to the credit bureaus to correct and have these item removed or updated last XX/XX/2022, these very same items are still on my account. their investigation did not fix errors on my report. I listed the companies that was reporting that I was late in my payment and I was never late. The following accounts are : XXXX CB/EXPRESS XXXX Found out that these is/are incorrect information listed under my name and I was never late paying. 

I know for certain that this is violation of the law as mentioned in 15 U.S. Code 1666b.Timing of payments ( a ) Time to make payments, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1681 n Civil liability for willful noncompliance ( a ) In general any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;
Consumer complaint received 2022-01-24
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: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am currently receiving false and misleading information on my credit report due to Identity Theft. I am a consumer/natural person who never authorized those contracts with these Accounts reported and assumed to be mines. I have contacted XXXX and told them to validate that inaccurate information off my consumer credit report. They have not helped me remove this off my credit report. This is affecting my ability to get credit and take care of my household needs. I need these inaccurate and fraudulent accounts removed off my immediately.
Consumer complaint received 2022-01-24
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: Coinbase, Inc. (FL)

On XX/XX/2022 i refund was issued to my card from XXXX supermarket for {$750.00} for a money order that was cancel. I was told by coinbase that there is a reverse pending on my account and I will recieve my money within 10 days. After 11 I days i called coinbase Iand I was told that the refund is showing completed on my account but they don't know why its not posted to my account and they have to esculated to a specialist. Since then I have call everyday and they refuse to give me my money. I have send myltiply email and no one respond to them. Here are the case number open for the ticket created : XXXX, XXXX, XXXX, XXXX, XXXX. No one can give me a explanation as to why I don't get my refund. I went to XXXX and they show me a print out that the refund was approved and completed, yet, coinbase don't want to give me my money. I asked then to disputed the transaction that I havent received my refund and they say I can't because the refund is showing it is completed and they received it but don't know why is not showing on my account. Please help me am stress and depress and going crazy.
Consumer complaint received 2022-01-24
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (FL)

I already have a case open with Chase in regards to a few transactions that I disputed and I have been working with a representative named XXXX in the executive office but yet chase has been constantly harassing and annoying me with collections calls from their recovery team. I asked for them to please get in contact with XXXX so they can be on the same page because they are calling me about an issue I have a claim open on. I was transferred to XXXX XXXX who then told me my account is scheduled to be closed on XX/XX/2021. She also told me she doesn't have to tell me when she goes in and does anything to my account. It's concerning to me because my account has all my personal information on it.
Consumer complaint received 2023-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WI)

I have been calling for a week has been showed paid. For a week. Everyone refuses to notify my employer even though my checks are about to get garnished. No one will help. The list guy said yes I have to by the extra until their attorney gets the release in even though the attorney w 's in the file. I was refused to be transferred to supervisor. I told them hen they get the garnished check from my employer to not cash it and send it back and he wont do that either. They are not make any effort to not take extra. Portfolio recovery XXXX XXXX XXXX XXXX
Consumer complaint received 2022-01-24
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. (CA)

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Consumer complaint received 2022-04-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: TRANSWORLD SYSTEMS INC (OH)

UAS is fraudulently collecting interest on Perkins loans by delaying payment due from the legally required repayment start date of 9 months from graduation to 10 months. I paid my daughters Perkins loan off on the date that UAS said payments were due. Her loan was due XX/XX/2022 but UAS said payment wasnt due til XX/XX/XXXX. After paying loan in full on due date XX/XX/XXXX I had a remaining balance due of {XXXX}. I finally got the interest removed. But this company needs to be investigated for illegally deferring payments by one month to help themselves to interest they are not entitled to. How many thousands of borrowers are starting off in the hole before a payment is even required? They are thieves and this is criminal and they need to stop this practice and be held accountable. The US department of Education needs to be made aware of this also.