davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (FL)

I have disputed multiple times with XXXX concerning the collections account being reported on my consumer credit report from National Credit Systems INC. In lieu of the disputed information, XXXX willfully failed to conduct a reasonable investigation and their determination of the account being " accurate '' and updating unrelated information to my dispute, such as an invalidated " Account # XXXX *STATUS DATE *BALANCE DATE '' were intentional and negligent violating my FCRA right under section 609. On XX/XX/2022, I sent certified letters ( USPS ) requesting a written validation notice requesting the original contract with my signature for an account with National Credit Systems Inc. XXXX willfully failed to delete the disputed information as requested. 

Furthermore, National Credit Systems Inc. violated my FCRA rights by intentionally returning the certified USPS written validation notice request with no signed contract, forfeiting the accuracy and validity that the collection being reported on my consumer credit report is valid.
Consumer complaint received 2019-01-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Home Loan Center, Inc. (NY)

Lender use my information on ther data bases systems and display my credit score on ther credit monitoring without my permission or consent or my athourthiziton And when I reguest the information to be released they asking me to supmit suboena And when I flow ther instruction and sending them suboena thy didnt answer to it and refused to gives the reason why and then referred me to credit agency and when I contact the credit Agency they returned me back to XXXX The company holding my information for no explanation.
Consumer complaint received 2015-05-16
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Advance America, Cash Advance Centers, Inc. (TX)

This company took {$180.00} fom my checking account on XXXX XXXX, 2015 and the full balance of {$880.00} on XXXX XXXX, 2015. They are refusing the refund the {$180.00}.
Consumer complaint received 2023-03-17
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. (GA)

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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)

It appears that my credit file has been compromised. Again, I was going through my records & noticed the same items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXXXXXX 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 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX**** US DEPT ED XXXX
Consumer complaint received 2018-08-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have a Capital One Credit card, which I've always paid in full each month for years, never missing a single payment. Last month I missed paying it off in full by 2 days and the payment ( paid online ) took another 1-2 days to post. I was charged both a late fee ( {$25.00} ) and interest charges ( {$86.00} ). They initially waived the {$25.00} late fee and reversed {$50.00} dollars in interest charges. The following month, despite paying my entire balance in-full again and on time, I was charged another {$77.00} in interest. 

They refused to waive any additional charges indicating I was charged interest because I missed paying my balance off in full the previous month. Bear in mind, no one explained there would be additional charges, when I called last month. Furious, I immediately requested that they close out my account. 

I have {$44.00} dollars in rewards that I have not posted back to my account. 

Unless fees are waived in-full, I will never again due business with Capital One.
Consumer complaint received 2019-01-08
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CA)

I have been receiving emails starting from XX/XX/XXXX, regarding an unpaid student loan ( account no XXXX ) from XXXX. I have not taken any loan from XXXX. As I contacted XXXX the customer representative confirmed that even though the account is under same name the year of birth and the last 4 digits of SSN do not match with my credentials. Besides, the loan was taken in XX/XX/XXXX and I have entered USA in XX/XX/XXXX. Hence XXXX promised that I will not receive any email or letter communication from XXXX going forward as this is a case of mistaken identity for debt collection. However, I am still getting mails from XXXX. I contacted XXXX again but it is not getting resolved.
Consumer complaint received 2022-03-09
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX
Consumer complaint received 2019-01-08
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Nelnet, Inc. (NC)

Yes I am totally XXXX cant XXXX or XXXX XXXX XXXX of my right arm I am on a fixed income have too pay for medication food rent I have sent all my papers and they said they didnt receive it
Consumer complaint received 2020-02-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (VA)

Since XX/XX/2019, this company continues to send me letters stating they are attempting to collect a debt for {$270.00} for XXXX XXXX XXXX. I have sent them 4 letters asking for debt validation and they continue to ignore my request. Instead, they continue to ask for payment. In the last letter I sent to them, dated XX/XX/2019, I advised them that I believe their company has violated my consumer rights in the following ways. 

Failed to validate a debt at my request FDCPA violation Continued to attempt to collect a disputed debt FDCPA violation But yet they still send more letters dated XX/XX/2019 and XX/XX/2019 asking for payment without validating the debt. I've asked that they provide proof of their right to own/collect this alleged debt and to provide the following : 1. Balance claimed including all fees, interest, and penalties 2. Copies of any papers that show I agreed to pay what they say I owe 3. The original contract bearing my personal signature 4. License proof to collect debts in my state 5. License numbers and registered agent
Consumer complaint received 2022-03-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am filing this complaint again to request the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account is not charge off to me. My record shows that this account was Paid as agreed and Balance is 0. Please correct or remove this account immediately.
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I am filing this complaint again to request the following account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - This account is not charge off to me. My record shows that this account was Paid as agreed and Balance is 0. Please correct or remove this account immediately.
Consumer complaint received 2019-01-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: R & B Corporation of Virginia (IN)

I have had multiple issues with my closed account with XXXX XXXX. I held my account with them for 30 days, in these 30 days, I closed my account. Account # XXXX was closed on XX/XX/2018. At this time all balance amounts were paid for the 30 days I held service with the company. 
On XX/XX/XXXX, I received my first invoice from XXXX on my closed account stating I owed a balance of about {$360.00} dollars for un-returned equipment. I called the customer service line and they let me know it would take a month to process that they received my equipment and to update my account. Every month after that I kept receiving a balance of {$110.00} due. I kept calling to dispute this amount and was assured this was an error on their system and they would fix the issue. 
On XX/XX/2018 I received my final notice for the amount of {$110.00}. I called customer service, which sent me to billing. Billing let me know that they no longer could help me because my account was closed and that I had to work with their collections department. My account was closed since XX/XX/XXXX and this was the first time I was told this by the billing department. They sent me over to collections, whom told me it was up to billing to change the issue since collections had no information on the missing equipment. I was receiving no mercy. Finally, I called the office of the president to dispute that this issue has been ongoing since my account. I was given reference # XXXX for this dispute and was told it would be taken care of. 
I have since received the message from XXXX XXXX XXXX saying if I do not pay the amount it will affect my credit. I am again, disputing this collections reference. 

I have attached the proof that the equipment was delivered to the address XXXX XXXX XXXX XXXX XXXX, IN XXXX and delivered to their delivery dock and signed off by XXXX.
Consumer complaint received 2020-06-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CORELOGIC INC (OH)

I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX XXXX # XXXX.
Consumer complaint received 2016-06-28
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Platinum Holdings Group, LLC (KS)

I got a line of credit through XXXX XXXX on or about XXXX XXXX, XXXX. Purchased items in the amount of {$3400.00}. My account went into collection and sold to another creditor. After joining the XXXX in XX/XX/XXXX I attempted to resolve this matter but they wanted payment in full with interest. I did not have the money and they refused to work with me. I waited for letters of legal action but known ever came. XX/XX/XXXX, I received a call from a gentlemen named XXXX. Did not give me a last name. He told me he was with a company named Premium Asset Services and want to collect a debt I had acquired with XXXX XXXX. He told me I had to pay the total balance of {$6500.00}. I told him I could not pay that amount. We made an arrangement for {$500.00} down and {$100.00} payments until I can pay it off. I paid {$300.00} and asked for him to take the remaining {$200.00} in two weeks. I did not feel right about it because to give me information about my account and tried to talk me out of speaking to a lawyer. So I canceled my card and did not pay the {$200.00}. He continued to call and threaten me with legal action. I did not respond. A couple days later I received another call from a gentleman named XXXX XXXX. Would not give first name. He left me a voice mail stating that my file had been sent up to his department for further legal action. He said he had already contacted my civil affairs officer and his next call will be to my inspecting general and will be issuing me a judgment. I called him back and tried to make some kind of payment arrangement but he said they wanted the money in full. He told me to borrow money from family or who ever. Then he told me to get a hard money loans or credit cards. I was afraid of him contacting my command, so I attempted to get loans and was denied. After telling I could n't get a loan, he got rude and told me I need to figure it out or he is going through with legal action and sending it up my chain of command. He called me childish, said I was not a soldier and all I am doing is playing soldier. Called an adolescent. Said its like robbing a bank. I told him to calm down and to respect my service. He then asked me if my " mommy new I was a playing soldier ''. I just hung up the phone and proceeded to speak with my XXXX for guidance.
Consumer complaint received 2022-02-05
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: SYNCHRONY FINANCIAL (MN)

In XXXX of XXXX I applied for and received an XXXX XXXX issued through Synchrony Bank. The rewards terms are fairly simple. Earn 3 points per {$1.00} spent on the first {$1000.00} of all XXXX purchases in a calendar year. After the {$1000.00} is met I was to earn 5 points for each dollar spent at XXXX each calendar year. Any other purchases off of XXXX earned either one point or two points for each dollar spent depending on where the purchase was made. 

There is only one condition to XXXX purchases and that is that XXXX purchases from international sellers only earn one point per dollar spent. The terms further make no mention of any restriction on points earned on payments made to XXXX for XXXX seller fees. 

Initially I phoned Synchrony bank starting the middle of XXXX. Each time I asked to speak to a supervisor. Each time I called, the supervisor agreed the points were being calculated wrong. I asked to speak to the rewards department but was refused each time. I then asked for a full audit of my rewards points. I was refused. Instead I was sent a vague form letter stating " we would like to help so please phone us '' I would phone but was told the same thing again. That the calculation looks wrong but you can not speak to the rewards department. I called again and this time I was told that my charges were from Paypal so the paypal charges do not qualify for the rewards program. Finally on XX/XX/XXXX I filed a BBB complaint. In response to this Synchrony bank sent the BBB a copy of the wrong terms for a different program called " XXXX XXXX rewards loyalty program. '' Sure these terms would have supported their position ( paypal charges do not qualify ) but it was not the terms I signed up for. The BBB closed my complaint as resolved. Paypal is merely the processing bank for all of XXXX charges. In XXXX of XXXX I filed a complaint with the Florida Attorney General 's office. XXXX XXXX XXXX from the bank responded to this saying that yes the agents had calculated my points based on the wrong program. But now there is new excuse. This being that many of my charges are from international sellers on XXXX and those purchases only qualify for one point not 5 points per dollar spent. 

Since I knew of no international purchases made I called XXXX and asked. XXXX audited my account and found no international purchases made on my account. See letter from XXXX attached. I sent XXXX XXXX a copy of the XXXX letter on XX/XX/XXXX. I have never heard back from XXXX XXXX or Synchrony bank. Further XXXX XXXX states that I can only earn one point for each dollar spent on XXXX seller fees. Although XXXX XXXX would like this to be the case there is no such restriction in the terms of the XXXX rewards program. 

I have enclosed a copy of my audit of all XXXX purchases and missing points. I have also enclosed a copy of the XXXX letter. 

Account : XXXX mastercard ending in XXXX.
Consumer complaint received 2022-02-05
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: CORELOGIC INC (IL)

I mailed a dispute letter, and security freeze request, certified mail tracking # XXXX, that shows delivered on XX/XX/2022. I can not recall receiving dispute results or a confirmation letter saying my dispute letter was received and they are working on my dispute ; the security freeze has been placed.
Consumer complaint received 2022-02-05
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: EQUIFAX, INC. (FL)

In XXXX of 2015 I secured a mortgage through XXXX in the amount of XXXX. I never missed a payment and this account is not being reported by Equifax. They refuse the properly report my credit worthiness. 

This is the 3rd account that has never been late and was in perfect standing they refuse to report. XXXX has reported it but I pay for the XXXX service. I dont pay Equifax maybe thats why they dont report my credit properly. 

They need to report my previous mortgage immediately
Consumer complaint received 2022-02-05
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

In XXXX of 2015 I secured a mortgage through USAA in the amount of XXXX. I never missed a payment and this account is not being reported by XXXX. They refuse the properly report my credit worthiness. 

This is the 3rd account that has never been late and was in perfect standing they refuse to report. XXXX has reported it but I pay for the XXXX service. I dont pay XXXX XXXX thats why they dont report my credit properly. 

They need to report my previous mortgage immediately