davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-03-28
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate these unverifiable accounts XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$140000.00} ; XXXX XXXX Balance Owed : {$370.00} ; XXXX XXXX XXXX Balance Owed : {$7500.00} ; XXXX XXXX XXXX Balance Owed : {$840.00} ; XXXX XXXX XXXX Balance Owed : {$7100.00}.
Consumer complaint received 2015-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CCS Financial Services, Inc. (FL)

Received notice to collect debt, call collection services and explaned that I was retired and XXXX had fixed income and offered to pay what I could afford, which was {$10.00} a month, and told that of the {$1100.00} a month I recieve I owe {$1000.00} a month in bills, Ihave {$100.00} a month to live on I thought that resonable, they said yes I asked for letter in writing and I would start paying, they said no just start paying I said without letter or Email I would not. I repeated this offer XXXX more time to different reps. Then was put on my credit reports.
Consumer complaint received 2017-03-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (NC)

I was billed this amount even though I closed my XXXX accout before the next billing cycle. I do not owe this amount. I have talked to XXXX on several occassions. They agreed they would dischare the amount that XXXX do not owe if I resumed my cell phone service with them.
Consumer complaint received 2015-03-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

In XXXX XXXX, I was given a {$1100.00} credit limit on a Sears credit card. I purchased a XXXX XXXX XXXX XXXX including a XXXX extended warranty for {$1100.00} from Sears, yet today ( XXXX ) I still owe over {$1200.00} for the same TV. I have never missed a payment on this card -- until XXXX XXXX when all of my creditors went unpaid due to a " bank 's error ''. My bank corrected the error and gave me a letter to submit to my creditors explaining the problem, in which I also sent XXXX to Citibank ( Sears ) too. However, some creditors waived their late fee, but still wanted double payments. In XXXX I paid my normal payment to Citibank. Then in XXXX I get a letter stating that I owe another XXXX payments plus late fees. I called Citibank and spoke to a woman name XXXX, I explained to her that I did not have the amount of money they were asking for and I would appreciate it if they would let me pay a lesser amount, ( over the minimum ), for about XXXX or 4 months to get caught up. They agreed to let me pay the lesser amount of {$50.00} at 10 % interest for 12 months, and then after the 12 months has ended, my interest rate will revert to the 25.24 %. I was told that I had to agree or the late fees would keep coming. Also, they would permanently close my credit card account and the payments I make will not appear on the Credit Bureau Agencies -- only that my payments are pass due. Does the law allow them to do this? I feel this is so unfair for Citibank to treat me this way and to deliberately not report the payments we agreed to for this card in order to hurt my credit further. 
This is the first time I have ever had a payment issue since I had this card except my inquiries as to why my balance was not decreasing. A few years after the account was opened, in a pinch, I used the card to purchase gas for my car once or twice, and XXXX of those times it was for only {$17.00} -- then about 3yrs ago I was able to purchase a {$140.00} or {$160.00} for a sewing machine. Other than that there was hardly ever " available credit '' for any constant use of the card, since the Balance remained over or above $ XXXX, even though I paid over the minimum amount due each month. I telephoned Sears on XXXX to inquire again about lowering my interest rate so that my account balance would go down and person I spoke to laughed and said " it 's a credit card, what do you expect ''. I told her I did n't expect to spend the rest of my life paying for a TV. And she added that the interest rate I have was the best they could offer me at that time. So, at that time I cancelled the Account Care insurance as well as the {$8.00} a month Accidental Life Insurance thru XXXX -- still no change in the account balance. 
I will appreciate any advice you can offer if you find or see another resolution to this problem. 
Thank you in advance, Sincerely, XXXX XXXX
Consumer complaint received 2019-02-25
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. (FL)

On XX/XX/XXXX, I got an alert from XXXX that my credit score had dropped. Upon investigation, I found that XXXX had indicated I had opened an account and owed {$220.00} and they sold this to XXXX XXXX XXXX. I called XXXX who said they could not access the account as it was no longer theirs and that it had a close date of XX/XX/XXXX. On XX/XX/XXXX, I then outlined in a letter to XXXX XXXX XXXX, XXXX XXXX, and my lawyer that I never had an account with XXXX. 
I did intend to switch to XXXX on XX/XX/XXXX but after visiting their store in XXXX, FL and the employee finding that my current phone numbers could not be ported, I decided not to change to XXXX. I found that XXXX still charged my credit card and on XX/XX/XXXX I returned to the store where I made sure that I did not have an open account and was credited what I had been charged. I believe this " open account '' : was an act of fraud, probably by the employee who waited on me ( XXXX, sales rep XXXX ) who most likely got a commission fore every account he opened. Regardless of how the fraud occurred, I never had a XXXX account and I refuse to be charged any amount for this account I never had.
Consumer complaint received 2016-09-13
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (FL)

WellsFargo is charging overdraft fee on online transfers. It is impossible to transfer funds between account if the funds are n't available. I transferred {$520.00} that showed available after my direct deposit on XXXX/XXXX/2016 and was charged {$35.00} XXXX/XXXX/2016 as follow : XXXX/XXXX/16 OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$520.00} ONLINE TRANSFER TO XXXX EVER YDAY CHECKING XXXX {$35.00}
Consumer complaint received 2016-01-17
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Risecredit, LLC (CA)

This company agreed to settle this usury interest rate account for {$1400.00}, I have paid XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX {$500.00} on the settlement amount, my credit report says I owe them {$4700.00} on a {$3500.00} account, I paid them {$2700.00} on this account before my income was dramatically reduced, I have sent them {$500.00} on this settlement amount on this account XXXX. Please have them update my account as paid in full. I am a XXXX XXXX XXXX XXXX.
Consumer complaint received 2021-01-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX Account number XXXX Is reporting inaccurate accounts to Transunion and XXXX  credit bureaus. I have sent complaints and disputes. This company continues to ignore and continues to report. This company is unreasonable and is trying to destroy my credit with account that is not mine. REMOVE THIS IMMEDIATLY!
Consumer complaint received 2017-04-04
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: MARINER FINANCE, LLC (VA)

By mail, I received an offer to cash a check for {$2500.00}. The check looks legitimate but I have no interest in dealing with a bank I never heard of, Mariner Finance. They included a phone number to call to opt out of further offers but when I call they ask for my social security number that I did not provide. I received this offer through the mail with my correct name and address. That 's what they should have asked for so I am a bit suspicious .I also do not like that they sent a check that looks like anyone could have cashed it if it was stolen out of my mailbox.
Consumer complaint received 2015-11-22
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Admin Recovery, LLC (MD)

Below are at minimum the FDCPA violations Admin Recovery , LLC has done : XXXX. Harassment or abuse [ XXXX XXXX XXXX ] - see details above regarding interaction with Admin Recovery , LLC employee XXXX. False or misleading representations [ XXXX XXXX XXXX they led my brother to believe they were an attorney. 
XXXX. Validation of debts [ XXXX XXXX XXXX ] - I have not received any written notice from Admin Recovery, LLCPlease see attached detail. They were threatening, harassing and abusive in their tactics.
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (AZ)

Annual Detail Reports not available from Citi Bank Costco Visa for 2015. Citi Bank Visa will not provide complete data from the XXXX XXXX transfer for 2015. I have placed requests for a XXXX ( XXXX ) report for 2015 on numerous occasions and have yet to get an answer. They said they would have a supervisor call me back within 3 days, it is day 6 and never received a call. I called back and was on the phone for 50 minutes and was advised that once again, I would get a call from a supervisor in 3 days. No call as of yet. They are withholding vital information form their customers. I called XXXX XXXX and they advised me Citi Bank has all the information I need.
Consumer complaint received 2016-03-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (MS)

XXXX XXXX from Aargon Agency contacted me today at my work phone to ask me to confirm my personal information ( birthday/address/SSN ). She even left a message at my work saying it was extremely important that I call back. I told her none of the information in they system was accurate. I asked why she had to have the information and she said they were legally obligated to ask me questions. I asked if someone was trying to apply for something in my name and she would not answer. I was given no information. They just wanted me to give them my personal information, which I did not give. They called me at my work to collect this information which is unacceptable and harassment.
Consumer complaint received 2016-04-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Management Outsourcing, Inc. (GA)

I have paid several doctor visits off 3 months ago. They have not been taken off the credit report. Now XXXX new collections appeared from 4 years ago. These are doctor Bill 's. The doctor except Medicaid but the charges are more than Medicaid XXXX pay. Please remove from my credit report.
Consumer complaint received 2016-06-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: LoanNow, LLC  (Closed) (CA)

LoanNow has twice overstated the interest due on a simple interest contract. When I have in fact over paid them by {$14.00} they are saying I owe them {$27.00} and am now getting harassed by a collections company for {$95.00}. 

I have provided them with an amortization schedule twice now, the first time after speaking with their management they acknowledged the error and corrected their 'dashboard ' reporting tool and just now a second time showing the simple interest calculation. 

Additionally, this was a scheduled XXXX payment loan which I paid off in XXXX. 

They are defrauding their clients. I am certain if an audit was performed on their transactions you would find a lot more instances of this lender taking more interest than they should. 

I look forward to your response, XXXX XXXX XXXX
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Other fee — 
Company: AMERICAN EXPRESS COMPANY (NC)

I was in a debt repayment program with a set amount that I paid each month to the credit card company. The final payment was an over payment. When I saw that I had a two dollar credit, I wrote and asked that I receive a refund check for this amount. I sent XXXX letters, as I thought that the first did not reach them. About three weeks later I did receive a check. 
I went to my bank and cashed the {$2.00} check, so you can imagine my surprise when I received a copy of the check from my bank with a stop payment order. I was also accessed a {$12.00} fee for the stop payment on my account. 
I have attempted to contact American Express. I even went on XXXX to try and get this resolved. I just keep having to try and explain it over and over .... 
If the money owed had been on my side, they would not have hesitated to demand that I pay up immediately. 
When I tried to call them, I was switched to a different extension, and after about XXXX XXXX minutes the line went dead. I 'm tired of going through this and re explaining everything to American Express. I 'm tired of having to go back in the long line to get someone to talk to. 

I want a refund of the original credit along with reimbursement of the fee that my account was charged. I do n't think a {$2.00} check will break the bank for AmEx, but I am aggravated that not only do I not get money owed me, but have been accesses an additional fee as well - for their mistake.
Consumer complaint received 2015-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Harvard Collections, LLC (IL)

I discovered my credit bureau reflected a collection for XXXX phone service via Harvard Collections. On XXXX XXXX, I called Harvard and spoke to a XXXX to request a copy of the letter she claimed was sent to me. I had already heard from XXXX prior collection agencies, and I disputed the claimed debt with very specific and documented reasons for my dispute. XXXX at Harvard claimed she would resend the letter via fax and email and remove the item from my credit bureau. This did not occur, so on XXXX XXXX, I wrote to Harvard with copies of my previous letter to other collection agencies explaining I did not agree with the debt and inviting litigation to resolve the matter. Instead on XXXX XXXX, 2015 I received a copy of XXXX 's erroneous bills. I wrote back to Harvard on XXXX XXXX explaining the bills were erroneous and in dispute. I have not heard back, and this item remains unjustifiably on my credit bureau.
Consumer complaint received 2015-10-26
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Optimum Outcomes, Inc. (NC)

I disputed this account several times with them and with the credit bureau. This has been a on going issue with them. When I mail them something they say they never get it. I asked for a supervisor to call me on XXXX/XXXX/15 and they still have not called. I called back on XXXX/XXXX/15 and requested again a supervisor to call me. still no call from a supervisor. They told me last month they was going to mail statement I still have not received anything from them. This is going on 3 months now that it has been disputed! It should not take this long to get this issue resolved.
Consumer complaint received 2016-09-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (DC)

Based on information and belief, I have contacted Convergent Outsourcing and have requested that they validate and verify the alleged debt that they are reporting on my credit files. They continue to contact me via phone and call my job with threats of filing a court case if I do n't give them my Debit Card number. I just had my credit clean and this alleged debt was just reported on XXXX XXXX, 2016. I was a victim of ID Theft
Consumer complaint received 2016-02-13
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: AMERICAN EXPRESS COMPANY (CA)

I have been an AMEX Bluebird cardholder since XXXX XXXX. On XXXX XXXX, XXXX, I disputed what I suspected was a fraudulent charge for {$240.00} on my Bluebird AMEX. AMEX issued a provisional credit to my account while it investigated the charge and notified me by email. On XXXX XXXX, XXXX, Bluebird AMEX informed me by email that the provisional credit was final and the fraud dispute was resolved. On XXXX XXXX, XXXX, my account was reviewed and closed by Bluebird because Bluebird determined that the {$240.00} disputed charge was valid -- some 3 weeks after it had sustained the disputed charge.
Consumer complaint received 2016-02-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (TX)

I received a call from a XXXX XXXX with Convergent Outsourcing about a alleged debt they say I owe from 2003, from XXXX of XXXX XXXX. She said she can call to collect on a debt if after it is past the statute of limitations of Debt collection of four years in XXXX and 10 years in XXXX. I advised her that the alleged account was over XXXX years old and that they were in violation of several Federal laws by calling my without my permission and for accessing my credit reports to obtain my phone number and address.
Consumer complaint received 2022-08-06
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: EQUIFAX, INC. (TX)

This is my 17th attempt to dispute the information in my credit file which is resulted from an identity theft. Again, Im sending over an Identity Theft Report # XXXX XXXX and XXXX. Pursuant of FRCA section 605B ( a ) ( 1 ) ( 2 ) Credit Bureaus are required to block any information in my file that resulted from an identity theft, not later than 4 business days after the date of receipt with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report. Please block these unknown items from my file XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX  XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$340.00} ; US DEPT ED XXXX Balance Owed XXXX {$57000.00} ; US DEPT ED XXXX Balance Owed : {$71000.00} ; XXXX XXXX Balance Owed : {$1600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$430.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ;
Consumer complaint received 2016-08-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Radius Global Solutions LLC (MA)

On Thursday, XXXX XXXX, I was contact via the phone ( 3 ) times from this collection company representing themselves as CENTRAL CREDIT SERVICES representing what they stated as their client XXXX XXXX concerning a debt. Apparently, XXXX XXXX sold this collection company this debt that originated from an XXXX XXXX credit card account that was opened and subsequently utilized using my personal information in a fraudulent manner. 

I first got wind of this account, along with several other accounts ( XXXX ) that were opened using my social security number and sent to an address in XXXX, Texas to which I have never resided. Furthermore, when I first came to realize this XX/XX/2016, I immediately notified XXXX both over the phone and in writing via the CFPB portal, CASE # : ( XXXX ) regarding this fraudulent debt. On XXXX XXXX, they responded that they were investigating these accounts and would get back with me accordingly. 

At this juncture, they have assigned this debt to their collection company ( CENTRAL CREDIT SERVICES ) to which I am disputing as Fraud. 

Regards, XXXX XXXX XXXX
Consumer complaint received 2016-09-20
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Prosper Marketplace, Inc. (TX)

I received a letter from Prosper.com telling me I was pre-approved for a personal loan. When I went online and entered my confirmation code they said I could not get a loan at this time. Then they tried to redirect me to another loan program. I see invitations for credit cards and other types of loans all the time. None of them explicitly state that I was pre-approved for a loan. Prosper.com is definitely trying to mislead the public in their advertising.
Consumer complaint received 2018-03-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (VA)

loans serviced by XXXX XXXX. I was mislead by customer sevice more than once re : available options for consolidation and refinancing. told it was a bad idea to consolidate. not informed re : forgiveness options for working as a registered nurse. as a result I could only afford to make interest payments and was not given proper information until loans taken over by Navient
Consumer complaint received 2019-02-25
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: MARINER FINANCE, LLC (IL)

When reviewing my credit report I noticed Personal Finance Co performed a hard inquiry on XX/XX/XXXX that was unauthorized. I contacted the the company and was told there was nothing they could do to remove it so I immediately filed a complaint with the XXXX  and Office Of The Attorney General. I already had an account with Personal Finance Co that was opened XXXX which would have been the only time they were authorized to do a credit check. In XXXX of XXXX, I fell 30 days behind with my payments and instead of Personal Finance Co contacting the Credit Bureau to report a 60 day late payment, they did an unauthorized credit check. I have sent an attachment with this letter that I received from Office of Attorney General with a response from Personal Finance that they have requested the inquiry be removed. I spoke with a representative at XXXX  on XX/XX/XXXX and was informed that the inquiry still remains on my credit report. As of today, XX/XX/XXXX, the inquiry has not been removed. I would like for Consumer Finance Protection to assist me in getting this matter finally resolved. 

Sincerely,