davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-16
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc. (NJ)

Recently, I reviewed my XXXX credit report to learn that they're were 16 negative reports posted on my account that is affecting me credit score. When I reached to the debt collector about this problem they told me that the debt can not be corrected unless I was in the military or school during the 3 month period XXXX XXXX, XXXX, XXXX XXXX. 
First, I was unaware of this negative action since my other accounts had no reflection of 16 student loan account being in a negative status. 
Second, they told me that I did not call in to notify them to continue my financial hardship plan. I was not aware about this and I tried to get a permanent XXXX note from a doctor. 
Third, Does 3 months really have that much of an impact and can't this be corrected with some kind of adverse action? I also explain to them that all student loans should be in a positive status since there was a federal extension applied until the end of this year. 
I was furious about this matter and requested to speak with a supervisor for being penalized for 3 months. Why did Nelnet report 3 missed payments to the credit bureau 's when they never contacted me about this matter and since I tried to apply for a XXXX application those 3 months should have been forgiven. I was out of school for a period of 3 years until I re-enrolled the same year when the 3 months was reported.
Consumer complaint received 2022-07-26
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)

I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report.

Regarding XXXX XXXX I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

I've disputed these items several time over and continue to get ignored or passed along. This is becoming very frustrating that the Credit bureaus are just sending me verified general letters with no real investigation, and it is having a tremendous impact on my life I'm trying to resolve this matter with out taking any legal action but if this not resolved I'm left no other choice but pursue that route to get this rectified asap possible. I've repeatedly said this items are incorrect and shown the proof that they are but they some how come back verified and there is no way they are if my most recent credit report says verified and and updated and the still have the same inaccurate information in my file. Please tell me how the following items are accurate.
Consumer complaint received 2019-09-15
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (CA)

I updated our checking account with PayPal and verified it. Since then, PayPal is refusing to let us withdraw the funds to our checking account. We are also not able to withdraw funds to our debit card. When calling customer support, they claim everything is normal and working as it should. Thre is {$3200.00} " stuck '' in my PayPal balance that they refuse to let me withdraw. Please fix this.
Consumer complaint received 2019-09-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (GA)

A fraudulent charge was made online on my Sams Club Mastercard. I was in possession of the credit card at the time the fraudulent charge was made. {$230.00} for a XXXX XXXX XXXX  XXXX delivered by USPS XX/XX/2019. I contacted the retailer on XX/XX/2019, which I received no reply to. I made a claim to Sams Card Mastercard, which was reopened many times. My identity was stolen ( reported to the police ) and affected two different cards along with the Sams Club Mastercard. Those two other credit card companies had no issue reimbursing me for the fraudulent charge.
Consumer complaint received 2018-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

My loans are defaulted. I was told I could rehab the loans for $ XXXX/month and after 5 months wage garnishment would stop and after 9 months the loans would be out of default. I made XXXX payments in XXXX, XXXX, XXXX, and XXXX. When making my payment in XXXX they told me that my payment was now going to be XXXX because they recalculated based on documents I sent in and I had to send a letter back to them. I made a XXXX payment in XXXX and was told none of my XXXX payments count as part of the rehab. I was told the XXXX payment would be counted as my 1st payment. I was led to think each time I made a XXXX payment is was counting toward my loan rehabilitation. My XXXX payment should be and is my 5th payment not my first.
Consumer complaint received 2019-09-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NH)

I have been called at least twice a day from portfolio recovery. They call from a different phone number each time they have called. I have asked them to stop on multiple occasions. The phone calls started XXXX of 2018 and have continued right to this day. Sunday- Saturday they never stop.
Consumer complaint received 2018-09-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Duncan Solutions, lnc. (NJ)

I have a New Jersey XXXX account. NJ XXXX incorrectly sent a bill to a collections agency " XX/XX/XXXX '' headquartered in Wisconsin. I called XXXX on XX/XX/18 to resolve all issues. XXXX took care of what they could on their end but told me I had to call XXXX and resolve the amount that had incorrectly gone out to collections. 

I called XX/XX/XXXX, and spoke to two employees there. Both told me that even though the original charges were erroneous there was no way for me to dispute the charges on the phone or online. They offered no way to resolve the issue or send it back to their client. 

The hoops XX/XX/XXXX and XX/XX/XXXX are utilizing are predatory and inefficient.
Consumer complaint received 2020-09-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE (WI)

This is in reference to the preceding complaint : XXXX They ( Barclays Credit card company ) are now wanting me to connect to a 3rd party site to supposedly view their findings on their investigation. I do not know the site they are wanting me to connect with, am I concerned it might be some type of scam they are trying to do. 

I thought they are supposed to report back to you, I would prefer this because I trust this agency. 

Thank you for any help in this matter, XXXX XXXX
Consumer complaint received 2019-09-14
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. (MO)

Missouri XXXX XXXX has an open Child Support case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since 1998. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, Missouri XXXX XXXX  does not have an open case.
Consumer complaint received 2019-09-14
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. (MO)

XXXX XXXX XXXX has an open XXXX XXXX case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since XX/XX/XXXX. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, XXXX XXXX XXXX does not have an open case.
Consumer complaint received 2019-09-12
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 (FL)

AfterseveralincidenceswithCapitalOnethatseemedshady,IdecidedtopayoffallXXXXofmyCapitalOnecards.Isentthepayoffbycertifiedmail.ThepaymentsfollowedwhatIthoughtwasthelawregardingsendingpaymentsbyduedates.TheXXXXofXXXX,2019wasmypaymentdate.WhichwasaXXXX.IsignedonthatMonday,theXXXXtoclosetheXXXXCapitalOneaccounts.ItwasthenInoticedlatefeeswheninthereshouldbeazerobalanceonallXXXXaccounts.IclosedmyaccountsandcalledCapitalOne.
Imadecontactwiththemandinquiredaboutthelatefeescharged.IinformedtheCapitalOnethatIsentthepaymentscertifiedandsincethepaymentdatewasSaturdayIshouldbe,bylaw,allowedthenextbusinessdayformypaymenttobereceived.CapitalOneinformedmetheyholdchecksXXXXdaysbeforepaymentisappliedtoaccount.Iasked,thereforeyouwillnotremovethelatefees.Theyinformedmemypaymentwaslateandtherewasnothingtheycoulddo.
Consumer complaint received 2019-01-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WI)

I took out this loan for my daughter, XXXX XXXX, who was the student. I am her father. She promised to repay me, and she has not. So I stuck with this loan.
Consumer complaint received 2018-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE (CA)

On XX/XX/XXXX I contacted my Barclays Ring card to initiate a balance transfer of {$7500.00} from my Barclays card to my XXXX card. The transfer processed on XX/XX/XXXX, but they incorrectly transferred a {$7500.00} balance on to my Barclays card. At no time during my phone call was I advised that they were doing the opposite of what I explicitly stated I wanted. When I contacted Barclays they refused to reverse the charge. Further they insisted that I was responsible for the interest payments on my grossly inflated balance. This is the second time Barclays has incorrectly executed a balance transfer ; upon opening the card over a year ago they processed the same balance transfer twice, and also refused to correct. Perhaps they should remove themselves form the balance transfer industry
Consumer complaint received 2022-03-16
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. (IN)

On XXXX XXXX, I went to XXXX XXXX XXXX ( XXXX ) with XXXX XXXX to co-sign a personal loan because she was in debt and could not get a loan to pay her bills from any bank or credit union because of her current bankruptcy status at that time. We agreed that she would pay back the loan in full amount with monthly timely installment payments. During the process, I remember signing the documents then passed them to her to signed. She said she would make copies and give them to me later. She never did give me a copy. Months later, she was XXXX, and I offered her my guest room temporarily. During her temporary stay, I started to receive delinquency notices of past due payments from the credit union and a disconnect notice from XXXX XXXX company. I decided to evict her out of my home because she was very financially irresponsible, disrespectful, and recklessness with my credit rating. XX/XX/XXXX, I went to XXXX branch, got a copy of the loan, spoke to the Branch Manager w/ no help, and notice that the signature and initials were not mine, XXXX XXXX signature and that of the XXXX representative, XXXX Waiters, were missing, a debt sheet with creditors of XXXX XXXX XXXX, and the personal loan was only in my name with my SSN, Phone #, and Toniette XXXX XXXX email . At that point, I decided to contact all the necessary agencies to start the process to end my identity involvement is this alleged loan fraud and predatory lending practice by the representative and the XXXX. XX/XX/XXXX, I called the XXXX XXXX XXXX and XXXX XXXX and received a message to file a report via FTC website. On XX/XX/XXXX, I went to the XXXX branch and had to pay {$1400.00} to bring the account current to stop getting my credit report hit with 30 day late notices from XX/XX/XXXX after talking with a representative the day prior because I notice my credit score was in the XXXX hundreds down from the XXXX and XXXX and had to password protect my account in person at the physical XXXX branch. Corporate office was no help, they just give excuses about they would investigate. Currently in the process of obtaining an Attorney for filing with the Courts.
Consumer complaint received 2019-01-16
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. (NJ)

I wouldnt think it would be a problem however look at the dating and what I referred to prior as self dealing by experience on the XX/XX/XXXX it dropped 56 points into in on the XX/XX/XXXX to the XX/XX/XXXX it dropped 26 points So in the span of two days I drop from XXXX or XXXX to XXXX The {$3.00} oversite /mistake cost me 70+ points in two days The minimum payment was expected to be {$72.00}. Plus the added {$41.00} for interest charged in 2018 looks like XXXX dollars in fees put me over the limit wow this doesnt look right
Consumer complaint received 2021-07-16
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)

I'VE NOTICED SOME UNAUTHORIZED INQUIRIES AND ACCOUNTS ON MY CONSUMER REPORT. I'VE NEVER APPLIED FOR CREDIT WITH THESE COMPANIES AND NEVER AUTHORIZED FOR THE USE OF MY INFORMATION. ACCORDING TO 15 U.S. CODE 1692 ( K ) YOUR INDIVIDUAL ACTIONS WERE FRAUDULENTLY UNAUTHORIZED. I DID NOT AUTHORIZE THESE INQUIRIES AND PER THE FAIR CREDIT REPORTING ACT ( FCRA ), ( 1 ) 15 U.S.C. 1681 ET SEQ., YOU ARE IN VIOLATION FOR UNLAWFULLY REPORTING SAID INQUIRIES ON MY CONSUMER REPORT WITHOUT MY AUTHORIZATION OR PERMISSIBLE PURPOSE UNDER THE FCRA. A PERSON SHALL USE OR OBTAIN A CONSUMER REPORT FOR ANY PURPOSE UNLESS -- - ( 2 ) THE CONSUMER REPORT IS OBTAINED FOR A PURPOSE FOR WHICH THE CONSUMER REPORT IS AUTHORIZED TO BE FURNISHED UNDER THIS SECTION ; AND ( 3 ) THE PURPOSE IS CERTIFIED IN ACCORDANCE WITH SECTION 1681E OF THIS TITLE BY A PROSPECTIVE USER OF THE REPORT THROUGH A GENERAL OR SPECIFIC CERTIFICATION. ( 4 ) 15 U.S.C. 1681B ( F ). CHESTER V. PURVIS, 260 F. SUPP 2D 711 ( S.D. IND. 2003 ). I HAVE NOT INITIATED ANY TRANSACTIONS WITH ANY OF THESE COMPANIES. FURTHER I DO NOT HAVE AN " ACCOUNT '' AS DEFINED UNDER ( 5 ) 15 U.S.C. 1693A ( 2 ) WITH SAID COMPANIES FOR REVIEW OF COLLECTION. FURTHERMORE, UNDER THE FCRA, ( 6 ) " ANY PERSON WHO KNOWINGLY AND WILLFULLY OBTAINS INFORMATION ON A CONSUMER FROM A CONSUMER REPORTING AGENCY UNDER FALSE PRETENSES AND CAUSES DAMAGE SHALL BE FINED, 15 U.S.C. 1681N ( B ) .Today on XX/XX/XXXX, I contacted XXXX via telephone to remove an unauthorized inquiry on my report. The representative refused, which is a violation of my consumer federal protection rights. XXXX  is in violation of FCRA Section 604 Section 605B FDCPA 15 USC 1681a 15 USC 1681b 15 USC 1692d 15 USC 1692f ( 1 ) 15 USC 1692j Pursuant to 15 USC 1692c ( c ) 2 I am invoking my specified remedy as a consumer, and the original creditor I am demanding that this unauthorized inquiry be removed now : On XX/XX/XXXX, I sent the credit reporting agencies letters notifying them that they are in violation of FCRA 15 USC 1681b ( f ) reporting inquiries without my authorization or a permissible purpose and the true and lending act 15 USC 1666 ( b ). I am in distress and this matter has affected me from getting access to different forms of credit which is needed during this time of a pandemic. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Consumer complaint received 2019-09-14
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. (TX)

I asked XXXX XXXX to Validate late payments and tell me which method are they using. They have not Validated any information yet the sent a letter saying your account has been verified. 

I asked to close my account around XX/XX/XXXX or XX/XX/2019. The said if I paid {$500.00} my account would be paid as agreed Closed account on my Credit Report. I paid they {$500.00} and when I checked my Credit Report it says account Settled Less Than Amount Owed. This was a deceptive act. I would have never paid my {$500.00} if I knew this was going to happen. Everytime I call and speak with someone regarding this issue they say my account is in collections. I ask whats the name of the Collection Company?  ; no one knows. They are double dipping which is against the law and IRS standings.
Consumer complaint received 2019-09-14
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. (TX)

I asked XXXX XXXX to Validate late payments and tell me which method are they using. They have not Validated any information yet the sent a letter saying your account has been verified. 

I asked to close my account around XXXX or XX/XX/2019. The said if I paid {$500.00} my account would be paid as agreed Closed account on my Credit Report. I paid they {$500.00} and when I checked my Credit Report it says account Settled Less Than Amount Owed. This was a deceptive act. I would have never paid my {$500.00} if I knew this was going to happen. Everytime I call and speak with someone regarding this issue they say my account is in collections. I ask whats the name of the Collection Company?  ; no one knows. They are double dipping which is against the law and IRS standings.
Consumer complaint received 2019-09-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MO)

Missouri XXXX XXXX has an open XXXX XXXX case on my credit. According to the law of the Federal Trade Commission it suppose to be on my credit report for 7 years. It has been on my credit report since 1998. The legal statue for the reporting has passed. My child is XXXX years old. Therefore, Missouri XXXX XXXX does not have an open case.
Consumer complaint received 2019-09-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MIDCOUNTRY FINANCIAL CORP (TX)

I had a loan with Pioneer lending as a young soldier in the military. I deployed into a XXXX XXXX for XXXX months and became XXXX XXXX. When I contacted this company to tell them about deployment so that SCRA protections would fall into place, they never took action. When I became XXXX serving my country, the company did not look into the " XXXX protection '' on my account- when my Wife made them aware of the XXXX blast. Instead, this company continued and still continues to hike on excessive interest rate- for years. To the point that this company now reflects a {$11000.00} balance on a debt that was originally {$4100.00} written off after I became XXXX. That is {$7400.00} added to the initial balance. How is that legal, when there is a cap on interest rate so that soldiers are protected from companies like this? Why was my XXXX protection that I paid for monthly, not used when I became XXXX? This company is predatory.
Consumer complaint received 2019-01-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (TX)

I have no knowledge of this account. When I called to agency collecting it, they provided a address that I have never lived at and said it is from a date of service from 2012. They had absolutely no information and I want it removed. Not my debt.
Consumer complaint received 2019-09-14
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (CA)

In XXXX I noticed that USAA charged me a fee " Excessive Trans Fee '' in my savings account for almost {$60.00} I contacted USAA via the chat in the USAA App and spent a long time waiting for any answers. USAA will not give me a refund because of Regulation under Federal Regulation D. Why would the federal government make a bank charge me a fee for using my savings account? This makes no sense, this is causing me a lot of stress and anxiety. I don't know why I must spend so much time correcting this mistake that USAA is blaming to their benefit on the federal government. Please communicate in writing only no phone calls.
Consumer complaint received 2019-09-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Phoenix Financial Services LLC (TX)

The debt showing on my credit report by Phoenix Financial Services and XXXX XXXX XXXX are the same debt stemming from a XXXX charge that was incorrectly billed. However, the amount has already been submitted to the bankruptcy court and a claim was never filed. We have notified the creditor and they have failed to take off the debt from my credit file, which is hindering my position to obtain employment with an employer. I have also notified them that this debt surpasses the FDCRA law of 7 years and needs to be removed immediately. I was under the care of my mother at the time this debt occurred and was a minor.