davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-29
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. (TX)

This is a notice sent to you because you have violated my federally protected consumer rights, beginning with my right to privacy, which you have failed to respect as your grave responsibility as a consumer reporting agency as a result of my creditworthiness. Credit capacity and character reputation have been severely harmed, resulting in emotional distress, marital instability, and financial losses. You are also in violation of 18 USC 1028a, aggravated identity theft, by furnishing a consumer report containing specific factual nonpublic private information without my written consent ; and 15 USC 1681b ( a ) by furnishing a consumer report containing specific factual nonpublic private personal identification information without my written consent ( 2 ). According to 15 USC 1681c, a consumer agency must block the reporting of information in a consumer 's file that the consumer identifies as information resulting from an alleged identity theft no later than four business days after the date of receipt by such agency ( 2 ). 
You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates.

You were not provided any written instructions about furnishing items on my consumer report, which is a violation of 15 US C 1681b ( 2 ), which states that a consumer reporting agency may furnish a consumer report only under the following circumstances and no others : in accordance with the written instructions of the consumer to whom it relates.
Consumer complaint received 2022-01-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Finance Company, Inc. (AL)

PFC has 5 un-verified collection accounts on my credit and I have disputed this debt with the credit bureaus and it came back verified I have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting. Promptly request deletion of any prior credit reporting to credit reporting agencies.
Consumer complaint received 2021-09-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Upgrade, Inc. (MI)

I acquired a debt consolidation loan with XXXX ( www.upgrade.com ) for {$7000.00}. The loan was reviewed for 2 weeks and was turned down. I proceeded to pay of my XXXX XXXX card ( one of the CC included in the original request ) since the loan had been turned down. A week later I received an email from UpgradeXXXX that the loan was approved and funding was sent. This resulted in an overpayment to my XXXX XXXX card for which I asked to be refunded to me. XXXX XXXX instead returned the funds electronically to XXXX. This transaction was process on XX/XX/31. I have contacted XXXX XXXX regarding this transaction and they supplied me with a trace # for the electronic transaction. I have contacted Upgrade/XXXX by email ( 6 times ) and have called them at least 6 times ( usually resulting in XXXX minute hold ) to locate the funds. Upgrade has simple said that they do not accept funds back electronically but they have not been returned to XXXX XXXX or myself electronically or my mail. I have already started making payments on this account and Upgrade has refused to answer my information request to locate the {$1200.00} or to credit it back to my loan. I have been charged interest, an origination fee, and loan fee based on the funds that include this {$1200.00} that I have not received. I have been contacting both XXXX XXXX and XXXXUniversal every 3-4 days for the last 2 weeks and still do not have a resolution. Given that XXXX XXXX has supplied an electronic tracking number, I believe that this is an issue that is in XXXXUniversal area to solve!
Consumer complaint received 2015-06-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RS Clark and Associates, Inc. (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT!
Consumer complaint received 2024-03-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (SC)

I am writing to dispute a debt reported on my credit report by National Credit Systems. The reported balance of {$3000.00} originates from XXXX XXXX, but I dispute the validity of this debt. 

While residing at XXXX XXXX, I encountered numerous issues, including a mice infestation in my unit. As a result, XXXX XXXX transferred me to another unit without addressing the underlying problem adequately. Despite clearing a balance of {$570.00} before the transfer, 2 months later 2 additional charges of {$660.00} labeled as " damage '' was added to my monthly statement for the new unit. 

Although my rent for the new unit was current, an eviction was filed against me 8 days after I paid my rent for unverified damage fees for the previous unit that I never received proof. Yet I have proof that I cleared the balance of {$570.00} which was all she said was owed. This eviction occurred despite assurances from the regional manager that no move-out fees or eviction would take place due to the chaos they caused if I provided written notice of vacating, which I promptly did. 

The balance reported by National Credit Systems does not accurately reflect any valid debt owed by me. I dispute the legitimacy of these charges and request that the reported balance be removed from my credit report. 

I believe that National Credit Systems have violated consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ), and I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. 

Please find enclosed documentation supporting my claims, including receipts, correspondence, and any relevant communication. 

Additionally, I would appreciate assistance in obtaining a full ledger of all payments made to XXXX XXXX up until the move out date of XX/XX/XXXX to verify the accuracy of the reported balance. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution of this dispute.
Consumer complaint received 2022-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

My name changed - I reached out to Capital One to have this updated via phone. The other credit card companies updated the information w/o any issue. For the last several months Capital One has been giving me the run around. I sent in a copy of the new social security card. They updated the last name but refused to change the first then froze my account citing possible fraud. 

Each time I called a rep requested I upload a photo of my ID in real time. However each time although it shows uploaded successfully on my side- the reps never seemed to receive it. This has happened at least a half dozen times if not more.
Consumer complaint received 2021-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: HEARTLAND PAYMENT SYSTEMS INC (TX)

The ECSI loan provider gave me a loan for XXXX with a monthly payment of XXXX per month for 10 years at 5 % interest rate. 
the file " loan details '' shows a screen shot of the loan details. 

When I calculated the monthly payment through a free loan calculator and through XXXX and by hand ( 3 different ways ) the monthly payment should be roughly {$25.00} The file " actual loan rate '' shows the monthly payment that this loan should be.

charging me {$40.00} instead of {$25.00} is only {$15.00} but if this is done to thousands of former students across the U.S then I believe that ECSI will potentially steal close to a million dollars over time from students.

But charging an interest rate of around 11 % but claiming to charge an interest rate of 5 %.

I have already reached out to ECSI about the over charge on my monthly payment but have had no response on XX/XX/XXXX. 

I felt obligated to share this information and so I have done so.
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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

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

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-03-29
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The collection was removed back in XXXX because of the tactics used to contact me by calling several times with threats. I feel my privacy has been validated because just recently they have attacked my credit again with the same fraudulent debt that is not in my name. I never responded to any kind of communication about the issue. I never signed a contract with them or XXXX XXXX. Whom I feel has shared information with Portfolio recovery.
Consumer complaint received 2021-09-25
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: Westlake Services, LLC (NY)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2018-06-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (MO)

XXXX is purposely preventing me from fixing my credit, please revie 11 page Attachment that shows unlawful debt collection practices regarding caking cops, among other things.
Consumer complaint received 2022-10-07
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. (FL)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL (FL)

Im a widowed mother caring for a XXXX year old I made all my payments on time for years I tried to ask to for help once my husband became XXXX and eventually passed away but no solution. I was not informed of a suit being filed against me as I was back and forth to another country caring for my dad who eventually passed so I apparently missed the memo now Im the sole caregiver for my XXXX year old and theyve garnished my paycheck {$510.00} every 2 weeks its not fair to consumers these recovery services have lawyers that make hardworking Americans homeless.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (OK)

I recently applied for a credit card with CitiBank. The application was denied and I contacted them and asked why and they said I had a bankruptcy still showing. They suggested that I call XXXX  and follow up. I did so and there is no bankruptcy showing on my credit report and I verified by the copy I recieved yesterday in the mail. I contacted XXXX today and the again assured me I have no derogatory information on my report and i verifed the other 2 agencies and the same thing applies. I spoke with CitiBank yesterday and they pulled my credit report again and said it is still showing up. Please advise XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-15
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY (TX)

I received a letter in the mail from XXXX XXXX regarding an account that was fraudulently open under my name. I called XXXX XXXX  the first week of XXXX immediately when I found out and reported this account was fraudulently and I didnt not make that purchase. They told me I would be receiving a resolution within 30 days confirmation XXXX. I didn't received anything from them. It turns out a XXXX statement mailed to my house showed another purchase made with this account within XXXX weeks of the first purchase. I called them again on XX/XX/22 and they told me they would put a hold on the account and send me an affidavit to sign disputing the charges confirmation XXXX. Its XX/XX/22 and still haven't received anything. I receive a XXXX statement on XX/XX/22 from this company. The charges still haven't been removed but reinstated. They still have not sent me any paperwork to remove this account. I really need help getting this account closed and taken off my credit report. I have no idea how they even opened this account. If the statement was never sent to my house I would have never known this account was open under my name.
Consumer complaint received 2021-09-25
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. (AZ)

i had my purse stolen one night at a house party with friends and now i wanted to start build my credit up and i go to check my credit and i see all this mess i never in life thought this would happen to me im so mad right now and im not paying debt that i didnt do so i did research what i can do and now im here inquriy below XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX trans union collection account below XXXX XXXX XXXX {$240.00} XXXX XXXX XXXX {$2800.00} XXXX XXXX XXXX XXXX {$54.00} XXXX XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX Account {$110.00} XXXX XXXX XXXX Account {$89.00} XXXX XXXX XXXX Account {$130.00}
Consumer complaint received 2022-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (NC)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-09-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (PA)

I never received any contact from FedLoan Servicing from XXXX XX/XX/2018. Suddenly I got a bill with interest accrued for all that time, at 8.5 % interest accrued. Now I owe over {$150000.00} for my son 's education through a PLUS Loan from XXXX. The usual amount borrowed was about $ XXXX per year. It was through XXXX XXXX in New York. I am going to be XXXX years old next year, and i will be paying this for the rest of my life. My son doesn't work due to XXXX, even though he graduated with honors. I don't think they should have compounded interest during the time I was lost from the system. It wasn't my fault I never received a bill. They even took 30 % of my social Security out for a half year until my representative, XXXX XXXX got them to stop. Is there anyway the interest can be forgiven?
Consumer complaint received 2024-03-29
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (CO)

I got a collection bill? That I dont owed? The agent from national credit systems , inc, give a wrong address at 1st told me XXXX XXXX XXXX  XXXX and is coming from a XXXX XXXX XXXX XXXX I never rented from them. Then I was force to give my email address so I can get a dispute on a XXXX  that came encrypted in my phone, and my computer came as damaged XXXX I send XXXX XXXX XXXX a response back to his email address? That I could not open either way and requested paperwork mail to me to dispute this issue? I was told by him that is not there procedure! And they wont send that way! I was told by him this collection was already in my credit report of {$540.00} so the bill I got from this company tells a different story name of the company they are trying to collect plus XXXX so this worst now I am more confused and concerned. I had ask for the address of this company claiming I owe something? 1st time I went there I was only given and email address of a manager. Then 2nd time the person who is the manager mentioned in address I use to leave for XXXX years and told me I owe damages and can talk to me about it. That address was XXXX XXXX XXXX XXXX Colorado XXXX. Well rented that place from a different management company, so I was ask to vacate that property XXXX months at the end of my lease and I left with everything pay off XX/XX/2020 and left that home XX/XX/2020 and had someone a female come in inspected by a company that they were taking over name of that company XXXX and told me they would keep my deposit of {$500.00} and wave the {$40.00} for ware in tear of the place. So o have XXXX  XXXX and they paid a portion of my rent and I always pay my portion. So I was given a letter separately staying I dont owe anything, that they got their deposit from my previous management company! So now XXXX the company that took over is XXXX XXXXXXXX XXXX XXXX So they want to get paid twice. So I havent been able to get paperwork to dispute this issue? I am giving wrong address! I have been forced to give my email address, and I have been block to have any further contact with XXXX XXXX the agent of this collection agency
Consumer complaint received 2024-03-29
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (MI)

Synchrony Bank/Lowes XXXX They charged me {$300.00} in interest for a promotion I didn't sign-up for. I have shopped in Lowes ever since they closed my account over a year ago and I haven't been in that store since. And, I never would have signed up for any promotion ever.
Consumer complaint received 2022-01-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (GA)

HELLO, PAYPAL TOLD ME THAT MY ACCOUNT IS READY FOR WITHDRAW MY FUNDS BUT THE SYSTEM JUST PLACE ANOTHER LIMITATION IN MY ACCOUNT AND BLOCKED ME THE OPTION FOR GET MY MONEY. 
THIS LIMITATION IS ASK ME ABOUT BUSSNEES DOCUMENT. 
I REPORTED THAT I NEVER HAD BUSSINESS ACCOUNT WITH PAYPAL, I DONT KNOW WHY IS ASK ME FOR DOCUMENT, MY ACCOUNT IS PERSONAL, AND IT WAS ALREDY LIMITED PERMANENT. 
I WOULD LIKE GET HELP FOR RESOLVE THE PROBLEM. 

MY EMAIL IS XXXX PayPal account. ( Ref ID XXXX ) THE LAST ONE ( Id. de XXXX : XXXX ) You can no longer do business with PayPal ( Ref ID XXXX XXXX ) YOU SHOULD FIX YOUR SYSTEM, IF THE ACCOUNT IS PEMANENT LIMITE, WHY STILL ADD MORE LIMITATION IN THE ACCOUNT.