davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The Affiliated Group, Inc (GA)

This collection company reported a debt to all three credit bureaus. The collection has caused an unbelievable issue on my credit report. My score has dropped XXXX points because my creditors have lowered my credit limit so it appears that I now have used up all of my credit when that was simply not true before they lowered my limits. And the limits were lowered because of this reporting. They say I owe {$89.00}. I have no idea when this amount came due nor do I know to whom this {$89.00} is owed to. I have no date of service, no invoice, no invoice date. NOTHING. Not once have I received a telephone call nor have I received written documentation of the debt. The reporting on my credit bureau indicates this is a XXXX XXXX debt. I recently went to XXXX XXXX for a health issue and they did not even make me aware of a past due balance. Both XXXX and this collection agency should have at least notified me and given me a chance to pay the debt before reporting to the credit bureaus and ruining my credit. I ca n't even refinance my home now. Because of their poor reporting tactics, my credit is beyond being repaired. I wrote the XXXX credit bureaus and explained the situation and asked for this to be removed from my credit report. My request was declined by all three agencies. Can you please file a complain against this company and the XXXX credit reporting bureaus and have this removed from my credit file? And if in fact that I do owe this money, I can assure you it will be paid promptly. I ca n't say that I do or do not owe this debt because I have never been furnished with an invoice, or what the debt is for, or when the debt incurred.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION (FL)

Hello, I have a NFCU credit card ending in XXXX and said company has reported to all three credit bureaus 7 ( 30-Day ) late marks. However became very ill wasn't able to work. I accumulated very high medical bills and was unable to maintain internet access to view my accounts.
Consumer complaint received 2024-02-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA (CA)

On XX/XX/XXXX I requested XXXX reimbursement that I paid on my student loans during the pandemic pause. Mohela added that XXXX  back to my total loan balance owed and Mohela is currently charging me interest off a total sum owed amount that includes the {XXXX}. It is now almost one year later from XX/XX/XXXX when I requested the money and I have never received the {XXXX Countless hours have been wasted with Mohela on hold and on the phone and they still are dodging the question of when they will process my request and send the money to me. When I spoke with a supervisor from Mohela on XX/XX/XXXX she told me the request is currently being processed in their " federal contracts department ''. Mohela is financially benefitting from charging me interest off a total sum that includes the {XXXX they will not return. I feel there is no recognition from Mohela that their delay in processing my request is harming me financially. There is no indication of why it is taking a year for them to process my request or how much longer it will take for it to be completed. In XXXX Mohela responded to a case I opened with the CFPB regarding this issue, saying they would " facilitate this process within the coming days '', but " days '' has not proven to be honest as Mohela continues to excessively delay. I am requesting Mohela quickly process my request for the XXXX and now return the interest they continue to generate off this money.
Consumer complaint received 2023-01-27
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. (NC)

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

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2017-09-03
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC (TX)

Please be advised this is my second complaint about Absolute Recovery Services , LLC. As stated in my previous complaint Absolute Recovery Services , LLC is violating the FDCPA by attempting to collect on a debt which is PAST THE STATUE of LIMITATION. The account became delinquent in XX/XX/XXXX and there have been no recorded payments on this account since XX/XX/XXXX. Furthermore the terms of this contract expired on XX/XX/XXXX. In addition this account is not accurate and complete. There is hand writing deleting specific account transactions and hand writing indicating an amount owed different from mathematical calculations generated in the computer. The amounts seem arbitrary and inconsistent. Finally Absolute Recovery Services , LLC is not license and bonded to collect in my state. By continuing to report this account to my consumer credit report and attempts to collect on this account are a violation of the FDCPA. This account is past the statue of limitation, not accurate and complete, and Absolute Recovery Services , LLC is not licensed and bonded to collect in my state.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (GA)

Requested credit bureaus that old and inaccurate addresses be removed on XX/XX/XXXX and XX/XX/XXXX Information has never been removed and my information is getting confused with consumers of old/inaccurate addresses. 

As per 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports all of my addresses, DOB, and names must be accurate, and I have sent my official documentation to all credit bureaus.
Consumer complaint received 2021-06-23
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. (GA)

The credit bureau isnt complying with their own policies in a timely matter. I opened an investigation of inaccurate items back on XX/XX/XXXX and my dispute has not been resolved within the appropriate time.
Consumer complaint received 2016-08-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (MI)

I opened a Citigold checking account in response to a bonus offer of XXXX XXXX XXXX miles for doing so. When calling to apply for my account on XXXX XXXX, I spoke to a Citi representative named XXXX who explicitly confirmed my eligibility for this XXXX miles offer. On XXXX XXXX around XXXX, I spoke to a New Account Services Supervisor named XXXX because I was upset about changes in the methods available to me for funding this new account. XXXX convinced to continue with opening this Citi account and provide Citi my funds and business by confirming that I was eligible for this offer and would be receiving the XXXX XXXX bonus miles upon completion of certain bill pay criteria. In XXXX, upon completing the account requirements described in the initial offer and confirmed by XXXX, I sent a message to Citi through their online banking site to confirm I had completed the requirements for this offer and asking when I should expect to receive my miles. A Citi representative responded by confirming I had completed the steps and I should expect to receive the bonus after several statement cycles. In the meantime, a {$30.00} account monthly maintenance fee started being charged to my account. After several cycles, I contacted Citi about the delay in receiving my miles bonus. The eventual reply was I would not be receiving the bonus because I was not actually eligible. So I was informed multiple times that I was eligible for the offer in order to get my business and until Citi started receiving a significant fee from my account, only to now be informed that I am not eligible after getting my business and my money. Citi should honor the promises made by their representatives on multiple occasions and provide the XXXX XXXX signup bonus.
Consumer complaint received 2019-03-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (FL)

In XX/XX/XXXX I applied for a Citi card because they had an offer for a {$250.00} statement credit to book a flight. I applied through Citi and not the airline. I called them in XX/XX/XXXX and told them that I didn't apply correctly and I may have to cancel the card and reapply to get the credit. I was told that I would still get the credit and I didn't need to cancel. On XX/XX/XXXX, I'm ready to book my flight through XXXX XXXX. I called Citi again to make absolutely sure that I would get my statement credit. I was told that I would get it. I booked my flight through XXXX XXXX using my new Citi card. A couple of weeks later on XX/XX/XXXX, I check my credit account and I don't see any credits. I call Citi the same day. I was told that I do not qualify for the credit. The agent said that they would file a dispute and I would get written notice in a couple of weeks. I received a letter on XX/XX/XXXXstating that I don't qualify for the credit because the credit is only for flights. I call Citi on XX/XX/XXXX. I was again told that I don't qualify for the credit. I was eventually transferred to a senior agent. She told me that if I found proof that I was offered the credit she would apply for the credit. I was very angry at this point. I threatened to cancel both of my Citi cards, but I did not instruct her to cancel either card at this point. I eventually hung up on her. I checked my account on XX/XX/XXXX as I was doing my monthly bills and I saw a message that my card had been cancelled. I called Citi the same day. The agent said that the notes said that I requested to cancel my card. I said that this is incorrect because my flight is next month and I'm sure that I wouldn't get my travel benefits such as preferred seating and checked bags free. He said that my card is cancelled and there's nothing he can do about it. He does agree that I should have received the {$250.00} statement credit, but it's too late to fix it now. I ask for his supervisor. He says that there's nothing he can do. I tell him to cancel my other Citi card as I want nothing to do with them.
Consumer complaint received 2017-09-03
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: Commonwealth Financial Systems, Inc. (WA)

Commonwealth Financial Systems continues to list an account who 's delinquency with XXXX XXXX XXXX occurred on XXXX XXXX ( according to XXXX XXXX as XXXX that opened on XXXX XXXX the day that they acquired the account. The lack of clarification works to deceive potential creditors into perceiving this as a recent default as opposed to one that is over 6 years old. I have been unsuccessful in my attempt to address this matter earlier in the year, both with XXXX and XXXX. Any help that you could offer in this matter would be greatly appreciated.
Consumer complaint received 2017-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (FL)

I have written several letters to Experian, XXXX and XXXX about multiple inquiries on my credit profile that were not authorized by me. The dates on which I submitted those letters are XXXX and XXXX/XXXX/XXXX. I have not received a response and the unauthorized inquiries are still appearing on my credit profile. I am looking into purchasing a home soon and the inquiries are affecting my credit score.
Consumer complaint received 2019-10-24
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. (CO)

Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days past due on the XXXX partial account numbers XXXX ; XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, this account is being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY (TX)

I just wanted to notify CFPB of an issue I just dealt with at American Express in hopes others might benefit. I made a payment to American Express that was cleared at my bank on XX/XX/XXXX which is one ( 1 ) day before the payment due date of XX/XX/XXXX. American Express credited my account for the payment on XX/XX/XXXX and proceeded to charge me a {$38.00} late fee and {$0.00} finance charge, as well as raise my interest rate on the card. After I contacted the company about the discrepancy, the company agent informed me that the company had issues recently with a 3rd party contractor that applied payments late to many customer accounts. I was refunded and my account returned to its original condition. However, I received no prior notification of this issue at any time and I can only wonder how many other members have not had time to review their financial statements like I did. I always receive my bill notifications by email on time, but somehow when the company erred, the members were not notified.
Consumer complaint received 2021-06-23
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. (OH)

I have contacted Experian about this issue and it has not been resolved. This has been detrimental to my credit. It dropped my score down over 130 points. I have reported this issue since XX/XX/2021
Consumer complaint received 2021-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

I have requested verbally and by written statement that equifax remove these inaccurate and fraudulent accounts and inquiries off of my consumer report according the correct protocols by FCRA.
Consumer complaint received 2017-06-27
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. (TX)

Since XXXX XXXX, I have sent numerous certified letters to all XXXX major Credit Bureau and XXXX XXXX for an alleged debt I believe, beyond a shadow of a doubt, was paid in full in XXXX XXXX. To date, either the Credit Bureau or the Creditor have not responded or to update me regarding the investigation status : XXXX : a ) XXXX XXXX XXXX Acct No. XXXX EXPERIAN : a ) XXXX XXXXXXXX XXXX Acct No. XXXX XXXX : a ) XXXX XXXX Acct No. XXXX Sometimes between XXXX XXXX to XXXX XXXX, XXXX XXXX claimed I had an outstanding debt of {$2500.00} and misrepresented to the major XXXX credit bureau ; in which I disputed. I was not aware nor did XXXX XXXX advised of the outstanding debt! The 60 months term commenced in XXXX XXXX and terms ended in XXXX XXXX. The conducts by the XXXX Credit Bureau and XXXX XXXX XXXX is a clear violations of the FCRA.
Consumer complaint received 2017-06-27
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. (TX)

I sent letters to  XXXX  to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.
Consumer complaint received 2024-03-11
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (LA)

On XX/XX/2024 i received a notification via email stating a XXXX XXXX XXXXXXXX card ending in XXXX was unlinked to my cash app. I immediately checked my account and noticed XXXX $ transferred to the XXXX XXXX XXXXXXXX. I instantly contacted cash app support to let them know the transaction was fraudulent and that I DID NOT authorize this transfer. The support team refunded me XXXX $ because the account in fact did not belong to me. But it would take 10 business for them to investigate. A day later, I received an email stating I authorized the charge when I was totally unaware of the transaction. I filed a police report ( incident # XXXX ) and i also emailed them a copy of it but the support told me the decision is final. I use cashapp as my primary bank therefore I cant do a chargeback and I have no money to pay my bills, eat, or even get gas due to this negligence. I really need help in getting an immediate reversal.
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: AES/PHEAA (NY)

I received several letters from XXXX XXXX XXXX in XX/XX/XXXX regarding a student loan debt from XXXX XXXX XXXX XXXX. I contacted them on multiple occasions to find out what debt they were talking about, where the debt originated from. XXXX XXXX  XXXX could not tell me. I asked for a contact number and they would not give me one saying they had the debt now and I had to pay them. In XX/XX/XXXX XXXX XXXX XXXX filed a lawsuit against me on behalf of XXXX XXXX for. I never received a notice to appear. In XX/XX/XXXX, my mother received a court document saying he had to appear in court for this loan ( she allegedly was a co-signor ). I contacted the court because I did not receive a notice to appear. The court clerk told me they had the wrong information for me and that I was in fact being sued as well. In the court document you can see that it states : Upon information and belief, defendants requested an educational loan. That request was received by its servicing agent. The loan was approved, funds were disbursed by a lending institution, and the ownership of the note for the subject loan was transferred to plaintiff. No where in that does it say who the lender was, the original amount of the loan, no contact information, nothing. And yet the court allowed for this to be a legitimate lawsuit. I had to appear in court with my mother on XX/XX/XXXX. The judge dismissed the case with prejudice. As of today, XX/XX/XXXX on my XXXX credit report there is a report of AES/ XXXX which is XXXX XXXX. I have tried numerous times by phone and mail to get them to remove this from my credit and they will not. It states they charged off this debt. They lost in a court of law. And it has been on my credit since XX/XX/XXXX.
Consumer complaint received 2017-09-03
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe (CA)

This debt was in collections. I paid it off in full for the amount of {$120.00} on XX/XX/2014. It still appears on my XXXX credit report as " in collections '' as if I never paid it off. It should state " balance paid in full '' or be removed from my credit completely.
Consumer complaint received 2018-02-01
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (IL)

Transworld Systems is reporting a student loan from original creditor of XXXX XXXX XXXX to my credit report. I have a final statement from the original creditor XXXX showing the account paid and a XXXX  balance. This debt has been previously sent to a different collection agency with the name of XXXX, this company contacted me and i sent them the statement of proof of XXXX balance and the account was removed. Transworld systems is now trying to report the same loan from the same creditor with a higher amount and incorrect date despite it being paid in full and was never with a collection agency. I contacted Transworld Systems and was told the account is with their legal department and was given their phone number, i spoke with them promptly and was told the account with them has been closed for a long time and that i have to speak with Transworld systems. However they refuse to speak with me regarding the account. I have PROOF this was paid and was not a collection account, yet they are still reporting it to my credit report on all 3 credit bureaus.
Consumer complaint received 2017-06-27
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. (MD)

XXXX XXXX has not updated information to Experian and XXXX with my accounts. I received a letter stating this would occur but, it has not.