davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC (VT)

ISSUE : XXXX XXXX mishandled or misapplied loan payment, incorrectly charged {$35.00} late fee, charges an exorbitant " servicing '' fee per transaction, and refused to answer any questions about payments. 

BACKGROUND : I have two outstanding Perkins loans from XXXX College for {$2300.00} and {$1700.00}. XXXX XXXX, a subsidiary of XXXX XXXX XXXX, services those loans. I made my first payment for about {$50.00} after my loans exited deferment. I did not receive a notice that my payment did not go through. My subsequent bill advised that I owed 2 payments for {$110.00}. I immediately made a payment on XX/XX/XXXX with an additional " service fee '' for {$1.00}. I made sure to enter in the correct bank account number. I received a payment confirmation on XX/XX/XXXX at XXXX XXXX. I did not receive any notice that my payment was declined or cancelled. 

On XX/XX/XXXX I received a " Second Past Due Notice '' advising that I owed {$130.00}. I immediately went to XXXX XXXX 's website and opted to make a debit card payment ( in lieu of a payment from bank account ). The requested amount was {$190.00} -- this was a different number than the {$130.00} quoted on their past due notice. I made a debit card payment. XXXX XXXX   charges an additional {$8.00} " service fee '' to process credit card/debit card payments. The total amount I paid was {$200.00}. I received a confirmation email at XXXX XXXX that my payment was received. 

After, I attempted contact XXXX XXXX 's customer service through the chat box. XXXX was the customer service agent that responded to me. I asked 1 ) why my payment did not go through ; 2 ) why they charged such a high service fee for credit cards ; 3 ) and if they had any record of my payments. She flatly refused to answer my questions. She advised I should contact my school, XXXX College.  After asking why she could not answer my questions she proceeded to immediately terminate my conversation with her, close the chat box, and making it impossible for me to copy and paste our conversation. 

COMPLAINT : 1 ) XXXX XXXX is mishandling student loan payments and unfairly and unlawfully charging late fees. 2 ) XXXX XXXX refuses to engage with student borrowers, answer questions, and provides false and misleading information to student borrowers.
Consumer complaint received 2020-08-25
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. (AR)

I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report. XXXX XXXX XXXX XXXX {$8900.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$3500.00}
Consumer complaint received 2023-03-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CT)

On XX/XX/2023, I mistakenly made a duplicate monthly premium payment of {$1800.00} to XXXX XXXX using my Costco Anywhere Visa by Citi Bank ( " CAV '' ). Upon realizing the error, I called XXXX. They advised me to stop the duplicated payment through Citibank. Citibank said I had to put the transaction in dispute. I immediately called Citibank and placed the issue in dispute. 

Not knowing this would be a protracted process. On XX/XX/2023, I decided to take the transaction out of the dispute. Just because the next month 's premium to XXXX would have been due on XX/XX/2023. 

I thought by removing the dispute would allow the forwarding of the {$1800.00} payment to XXXX, and that will be it. On XX/XX/2023, XXXX notified me that the remittance for XXXXXXXX XXXX premium was outstanding. I followed up with a call to Citibank to see what happened to the payment I took out of the dispute. They said that the funds were released to a " XXXX account '' and that XXXX " simply '' had to retrieve the funds from that account. And, there was nothing else Citibank could do. XXXX has no record of receiving the payment from Citibank. 

From the conversations that I have been privy to with Citibank and XXXX : it appears to be a flaw in the Citibank Dispute Process : When a dispute is settled or canceled, the " CHARGEBACK '' is released to the vendor 's bank, and there are no identifiers ( account number, customer name, etc.. ) as to which customer account the payment is should be credited to. So the funds just go to some sort of miscellaneous account and not to the Customer 's account. 

Citibank 's fiduciary relationship with me is to ensure that payments made on my behalf through their banking system on my behalf have all the identifiers needed by the receiving entity to process the payment. 

Citibank has refused to credit me the {$1800.00} that I paid to XXXX via CAV card but was not received by XXXX. 

As a duplicitous ploy, to muddy the waters, Citibank credited me the second payment of {$1800.00} on XX/XX/2023 when I said I wanted to reinstate the dispute. My intent in reinstating the dispute was an attempt to receive credit for the outstanding {$1800.00}. 

PLEASE CONTACT ME IF YOU HAVE ANY QUESTIONS OR CONCERNS. MY CONTACT INFO IS : XXXX Sincerely, XXXX XXXX
Consumer complaint received 2023-01-19
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. (OR)

THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ITEMS MUST BE REMOVED IN 4DAYS 15 USC 1681C-2, these accounts are not mine and I never lived nor received emails in the addressesreported. Also, I believe I did not sign any paper authorizing the inquiries. XXXX 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 XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXXXXXX XXXX Balance : {$1700.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Consumer complaint received 2021-09-16
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. (TX)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-03
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: Alpine Credit, Inc (CO)

On XX/XX/2019, ALPINE CREDIT INC add a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtor*s creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA ALPINE CREDIT INC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Consumer complaint received 2021-02-26
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2021 I sent a letter to Transunion and XXXX  requesting validation of debts and derogatory marks being reported to my credit. As of XX/XX/2021 I have not received any form of validation. This is against the Fair credit reporting act law stating agencies have a 30 day window to provide validation. The following accounts and inquiries were listed. XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Consumer complaint received 2024-08-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX
Consumer complaint received 2021-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (VA)

My mortgage company ( Mr. Cooper ) has not paid my city property taxes since XX/XX/XXXX. I have emailed the company the information and called on XX/XX/XXXX, XXXX, XXXX, XXXX and no action has been taken to pay the taxes, late fees, and interest. I have tried to get a HELOC through another bank and the title company will not allow the HELOC to go through until the city taxes are paid. This is holding up construction plans for an addition. There is more than twice the amount needed to pay the taxes in the escrow account.
Consumer complaint received 2023-07-01
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. (FL)

This is in regards to account with XXXX XXXX XXXX XXXX the company has two names the account number is XXXX {$320.00} I have sent countless letters to the company and informed them this item doesnt belong to me. However, the company continues to report the debt. I provided an affidavit and after calling I spoke to a representative I was informed they never received a letter from me. So I've attached the affidavit hoping that we can have some type of resolution.
Consumer complaint received 2023-07-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

You are reporting this collection as an OPEN ACCOUNT which is not under FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.
Consumer complaint received 2023-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Funding won lawsuit against me for not showing up in Court. My original Debt to comenity bank was for less than 3,000 dollars. They sold the debt to Midland Funding. They kept adding interest and fees where my debt became over 12,000 dollars. They started garnishment of my wages, but still adding a high interest rate. I tried calling them on XX/XX/2023 to ask why my debt keeps going up when I'm paying my debt, am I still incurring interest? The woman started scolding me that I'm not paying anything and that I'm basically scum, the court is paying them. I just thanked the lady, wished her a good day. 
I'm paying 30 % of my wages to them and incurring extra interest is punitive.
Consumer complaint received 2021-09-16
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. (GA)

Hello I hope your day is going well and you and your family have been staying safe during these trying times. I just received my credit report and was going through it like I normally do yearly and noticed this inquiry for account I never requested to open. These are fraudulent. I never engaged in giving this company consent to obtain my information. They unlawfully obtained my credit report. I made numerous calls sent numerous letters and I had no choice but to file a complaint. Attached please find my identification along with the IDENTITY THEFT Report please remove this inquiry and inaccurate accounts I never asked to get any accounts or loans with these companies.
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

XXXX XXXX attempted to collect {$560.00} from me for a rented water cooler. I tried to settle with company to buy the cooler outright. Company refused and sent the collection amount to The Law Offices of XXXX XXXX in XXXX, ILlinois. I settled with The Lawyers on an amount of {$260.00} to be paid by me and I keep the water cooler. I sent 4 payments totalling the full amount owed. 15 months later XXXX XXXX sent this same account to XXXXOLLECTION PROFESSIONALS INC in an attempt to collect {$2200.00} from me. COLLECTION PROFESSIONALS INC HAS CALLED ME 9 TIMES IN 6 DAYS. Harassing me. I called them back, they hung up on me. I recieved ONE form of physical mail, a letter from them with no Account Number, No Validation, No Itemization. I am enclosing the document they sent to my mailing address. This is an extortion attempt. My next step will be contacting the STATE ATTORNEY GENERAL OF ILLINOIS AND AN ATTORNEY TO FILE A CLASS ACTION LAWSUIT.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (FL)

I shared a lease for my wife at the times XXXX XXXX. In XXXX of 2020, during the COVID lockdown, we had both been furloughed from our jobs and were unable to make payments on the car during that time. Before we were late with a payment, she called Nissan to ask if they would be willing to pause our payments until we were able to pay again. They agreed and had done it with many customers already. We were grateful. In XXXX of 2020 ( do not remember the exact day ), I had just been able to get back to doing some work and received multiple calls from Nissan that informed me that we were late on our payments. I asked my wife to call them and ask if there was a problem. She called and the Nissan representative told her they were automated calls about being late and to ignore them as we had paused our payments only about a month earlier. I continued to receive these automated calls over the following weeks so I called Nissan personally to ask them to stop calling. At this point the representative informed me that the payment pause was only for one month and if we wanted to extend it we would have needed to call in again. This was absolutely not made clear at the time of the pause. and then on top of that, we were told to ignore the late payment calls. How are we supposed to know if a Nissan representative is telling us accurate information or not? We made the mistake of assuming they were giving us credible information and we ended up being hit with a 30 day late note on our reports. I had never over many years with NMAC been late with a payment. And as soon as I called and spoke with the representative, I paid the entire back balance ( two months ) along with the remainder of the lease ( ended up totaling about 4 months of payments ) immediately on the phone with him. I then wrote Nissan explaining this situation and they told me they would not correct it. This is deceptive and during a time like COVID lockdown where people needed help, Nissan offered help and then punished us for accepting it. It was the wrong way to handle the situation.
Consumer complaint received 2022-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

I purchased a pair of sneakers with my credit card from an XXXX seller on XXXX XXXX, 2021. They were never sent, nor was there any reply from the seller after repeated attempts to contact. I went through the XXXX refund process, which was finally granted on XX/XX/XXXX, 2021. XXXX refunded my money. Cut to XXXX months ago ( about XXXX 2021 ) I started receiving emails from American Coradius International, LLC., also known as ACI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX, who said I had a negative balance on XXXX and needed to pay them money. I contacted XXXX to ask them if this was true, and they said no. They also said to disregard these emails as a scam, as XXXX is it's own collection agency. Cut to last month ( XXXX 2021 ) when I received a letter in the mail from ACI to pay this same " debt. '' As they asked, I sent a note back saying I disputed the debt, and they would send proof of debt. Yesterday I received another letter from them, along with a letter with XXXX letterhead listing the debt and information from the XXXX purchase with this seller from back in XXXX 2021. What? ACI is representing a zero feedback seller from XXXX who wants XXXX bucks, of which they will get XXXX bucks, on an purchase that never happened? I don't get the math. There is no debt with XXXX, there is no negative balance, there are no sneakers, shall I go on?
Consumer complaint received 2021-09-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (AL)

Amsher Collection services has four alleged debts listed on my credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through. 
Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (VA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-05-01
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: Experian Information Solutions Inc. (MN)

The following accounts listed on my XXXX XXXX, Experian and XXXX credit report are fraudulent, unauthorized and not my accounts : 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 2022-01-16
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (TN)

Last year, I asked for written verification with a handwritten signature of proof of debt. I submitted a complaint through CFPB on XX/XX/21 ( complaint ID XXXX ) stating, I have asked for a signed contract with my signature and havent not received. What was sent just a balance. I called and the representative was rude. I am very respectful and honest. I am trying to cooperate, but it is hard too. I am not hard to work with resolving any issue unless the other parties are. Also, this company has be re-aging my XXXX credit report which is illegal. 

However, today, I seen it has been put back on my credit reports without receiving any written notification in the mail and the company removed the it from my report last year.
Consumer complaint received 2021-09-16
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: USCB, Inc. (CA)

I previously mailed the attached letter below on XX/XX/15 and have yet to see any changes made to my credit file. Please review the attached letter I am providing which is pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft.
Consumer complaint received 2018-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (FL)

I've submitted several disputes regarding Bankruptcies appearing on my credit report that was not filed. I've been provided a letter from the three credit bureau 's source stating those bankruptcies was investigated and removed in XX/XX/2017. Attached is a copy of XXXX XXXX records showing they were removed
Consumer complaint received 2022-05-01
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. (AZ)

In accordance with the Fair Credit Reporting act XXXX  Account Name : XXXX XXXX XXXX, Account # XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX Account # XXXX Account Name : XXXX XXXX XXXX Account # XXXX has violated my rights. 

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