davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-07
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Brennan & Clark, Ltd., LLC (OH)

The company continues to call me and harass me, uses strong voice and threatens to sue me. I have informed them that I am filing bankruptcy ( over a month ago ), given them my attorney 's information, now they call us both. He said my bankruptcy isn't going to stop his calls or stop the lawsuit. This is for a payroll company debt. I've blocked the number and they continue to try and reach me
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

My parents plus loan was consolidated. I was told it had to be to be eligible for forgiveness. We made The first payment of the consolidation last month and the next payment is due tomorrow XX/XX/year>. I logged in to check the payment history and noticed no principal payment was applied. I spoke to a representative today who told me interest is always paid first which I understand but how can it be legal for a student loan to be interest only. She said didn't know. I have been paying this loan for XXXX  years and an interest only only is useless. She also told me I could not set up my payment to pay more than the minimum. This is 100 % predatory since non of those was disclosed to me.
Consumer complaint received 2020-09-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: V and H Portfolio (NY)

Hi, there. 

My name is XXXX XXXX and Ive been having issues disputing a collection with XXXX, Vance and Huffman LLC and a company called XXXX XXXX. 

Apparently, an account was opened with my name, SSN and information on XX/XX/2018. I found out this year that this was a family member who was using my identity to open accounts and not pay what was owed. 

A collection was opened and I successfully disputed with XXXX   and XXXX earlier this year with no issues. XXXX, for some reason, denied the dispute and will not let me try again. 

Ive tried reaching out to XXXX but I have not been able to get in touch with anyone, or speak to a human over the phone. Ive also tried contacting the original creditor, XXXX, and they have ignored all my emails.
Consumer complaint received 2020-09-14
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (SC)

On XX/XX/2020 I 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 30 days gives a reason to immediately remove those items on 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-11
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: Thaxton Investment Corporation (IL)

Dear XXXX, XXXX, XXXX Thank you for sending me your internal records of the debt ( Heights Finance ) ACCOUNT # XXXX. I was Provided FACTUAL EVIDENCE by Heights Finance Manager, a contract with my alleged " signature ''. On the contract it has in RED STAMP that says " PAID '' with completion date XX/XX/XXXX. HOWEVER on the contract it states the FINAL PAYMENT was due on XX/XX/XXXX. How could this be a CHARGE OFF account if the payment was due only 20 days after the due date? which is PAID IN FULL. I also have circled the date on the contract that says this account was opened on XX/XX/XXXX HOWEVER all three reporting agencies have different dates that says this account was opened in XXXX and XXXX? With so many inconsistencies regarding the account in the ( DATE OF LAST ACTIVITY ), ( DATE OPENED ) ( CLOSED DATE ) ( DATE REPORTED ), ( DATE OPENED ), ( ACCOUNT STATUS ) ( LAST PAYMENT ) & ( CREDITOR REMARKS ) section. This can not be accurate. These accounts appear to be furnished by the same creditor so why is all the provided data different? PLEASE REMOVE THIS ACCOUNT IMMEDIATELY. i have attached my UTILITY BILL for address verification and SS # AND DRIVERS LICENSE best regard XXXX XXXX
Consumer complaint received 2020-09-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I sent a letter through the mail on XX/XX/XXXX and the company has not replied to my request of verifying the debt. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature, the company has 30 days to validate/verify the debt, if they are unable to verify they must remove the inaccuracies from my credit report, if not I will submit a complaint to the XXXX, FTC and I will contact my state Attorney General.
Consumer complaint received 2021-02-04
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BMW Financial Services NA, LLC (CT)

According to a XXXX XXXX, my BMWF account is 49 days past due, this is stated in reply to prior complaint filed, pertaining to a returned payment and error with bank information provided for it.. The reply also states the amount of {$2300.00} is past due.. Neither statement is true, the account is paid until XXXX with a credit balance, I do not owe {$2300.00} nor is it past due.. It appears this person took an unusually long time to reply, the prior complaint was submitted on XXXX, I have just received reply today on XXXX which is almost two months ago. I do not know what the delay was, however, the information provided is inaccurate. I do not know if the reply was submitted late or if rep chose to send it today, XXXX The letter is dated on XXXX, I can only assume it was submitted as of today ... If thats the case, then I do not know the reason for the false/inaccurate information unless it was gathered months back, only submitted as of today 's date which does not make sense to provide old information.. Her reply also states the payment for the month of XXXX was placed as a " D-no rating '', I have no way to confirm this as I do not have copy of a credit report available. However, given the false/inaccurate info provided, I would request BMWF double check this to make sure it is accurate. Further, I request the ACH block lifted, allowing ACH payments as the last ACH return was not my error, correct routing and account number was provided via BMW site. I have confirmed correct information entered by speaking with XXXX reps. As far as I know, the block is still on the account, I have been making payments through XXXX via their bill pay which are electronic and have all cleared..
Consumer complaint received 2021-01-29
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. (MA)

I post this complaint to the Consumer Financial Protection Bureau, as well as every credit reporting agency in the United States. The issue is very simple to understand. According to the trade lines posted on all of my credit bureaus, those being XXXX, XXXX  and Trans Union collectively, it is clear that XXXX XXXX has exceeded its legal timeline to take legal action on a very old financial issue. XXXX XXXX had an obligation to auction a vehicle not once, but twice. At no time was an accounting ever submitted as to the auctioning of a vehicle, or the upset price on two attempted sales. Secondly, there are two-years cut off on my payment history. I can assure the CFPB as well as evert credit bureau that the payment history was cut off to re-age the legitimate timeline as to how long the account may stay on my credit report. Accordingly, my payment history was late from the very first year. The late payment history actually dates back to 2013. The two credit reports posted shows XX/XX/2013 as the first late payment on Trans Union, and XX/XX/2013 on XXXX. In either event, XXXX XXXX has been reporting this account in a negative status for a minimum of 90 months. Accordingly, it is time that XXXX XXXX to remove my account permanently. XXXX XXXX is also in violation of its subscriber agreement with XXXX and Trans Union respectively. I believe the trade line has surpassed the legal limit and should be deleted immediately. This process of re-aging debts and maintaining a persons credit rating for a much longer period is essentially holding my credit as hostage. Therefore, I believe that this is a violation of XXXX XXXX pertaining to their subscriber agreement with each credit bureau. The trade line has surpassed the 7-year legal limit as to be posted as negative or sub-standard, and should be deleted immediately and permanently. 
XXXX XXXX
Consumer complaint received 2021-04-23
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: EQUIFAX, INC. (MD)

I am writing to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my two daughters.
Consumer complaint received 2021-11-10
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. (MD)

I finance a XXXX XXXX XXXX with XXXX as the finance company. I had the vehicle for almost 2 years and never had a missed payment. My suv was recently totaled loss on XX/XX/XXXX. The insurance company of the other driver accepted liability and issued a payment to XXXX of XXXX. In the meantime as XXXX was waiting to receive payment from the Insurance Company I continued to make my payments because I did not want to ruin my credit. I called XXXX weekly to see if they received payment to avoid any issues because I would have continued to pay if has too. They had told me they received payment and to call back in a week. I was still able to check the account and when I did it showed that the check was posted and that I had a balance due of XXXX. I called and they said it was a mistake and to disregard they will fix it. 
The insurance company issued XXXX a check on XX/XX/XXXX paying more than what I owed on the suv leaving XXXX  to issue me a payment from the account having an overpayment of {$140.00}. 
On XXXX I received a credit alert from XXXX that I have a paid/closed account with a 30 day late payment. This hurt my credit very bad. On XXXX is when I received my alerts from transunion and XXXX showing the same thing. I called XXXX to speak with someone who told me that they will fix the error and it can take up to 90 days. I am not understanding why I have to wait almost three months for a mistake made on their behalf. I am in the process of buying a house and now I have this huge problem that I didnt create. My scores drop 40-51 points from each bureau.
Consumer complaint received 2021-02-04
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Hello this complaint is on Bank of America and XXXX XXXX. I sent a money transfer through XXXX XXXX and paid it with my Bank of America debit card. What happened was I misspelled the receivers last name, so when I tried to edit the receivers or transaction via XXXX XXXX  app it asked me to cancel transaction in order to make changes so I cancelled and was told I will receive a refund for {$2000.00}. I received the refund but when I changed the last name I sent it back for the 2nd time but I put the country as XXXX and thats where I sent it but I was told that transaction is in the XXXX XXXX so the receiver cant receive the funds so I had to cancel that transaction as well but I never received my refund for {$2000.00}. Ive made a claim on XX/XX/XXXX,2020 and when I call XXXX XXXX XXXXhey say the released the funds to my bank and when I call my bank they say they dont see any funds from XXXX XXXX. So the very next day XXXX XXXX pulls another {$2000.00} from my account and I called Bank of America and told them XXXX XXXX pulled {$2000.00} for no reason. Bank of America gives me {$2000.00} as a credit until the solve the issue with XXXX XXXX but they never resolved the problem with XXXX XXXX  and took the credit they gave me back. Now there is {$2000.00} that were never received in XXXX or XXXX but funds were taken from my account. Now my account is XXXX  and I refuse to pay it bc its not fair and I even showed Bank of America the dates of one transaction XXXX, XXXX and XX/XX/XXXX. I received one refund but the second refund I never received but yet an extra {$2000.00} was taken from my account. So basically I was legally robbed and XXXX XXXX  says they sent it and Bank of America says no. So now My account is negative and Im trying to get my money back Im not asking for anything except my money. Then XXXX XXXX from the app closed my account with them and now I cant see any of previous transaction. So I want to file this complaint against XXXX XXXX and Bank of America. How can you help?
Consumer complaint received 2021-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A. (AR)

Citibank debited my bank account XXXX - when scheduled payments was for XXXX due on XX/XX/2021. The Best Buy salesman mislead me regarding the interest. I called Citibank and they would disclose details on the method or formula for the interest. 
I only financed XXXX dollars - and Citibank is saying I owe over XXXX dollars. I've never been late, or missed a payment. I have been negatively by Covid-19 - including a job loss.
Consumer complaint received 2019-06-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

Mistakenly made a payment from my old bank account shortly after changing banks, they closed the account, fine whatever, XXXX, but their right. Since then I am unable to make online payments, I can not be tied to making phone calls to make payments, nor does my bank account have checks, its a checkless account since I don't write checks, everything is ACH
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (TX)

To Whom It May Concern : I have sent letters to all the credit bureaus about reporting incorrect address information, names being misspelled and numbers not associated with me. Equifax sent a letter requesting additional information. They requested paycheck stub with my social number and gas bill with the address. I also included this with the letter and sent them the information. 

Only receive another letter on XXXX again asking for the same information yet again that was already sent over a month ago. The documentation was all sent certified so I know they received it.
Consumer complaint received 2019-03-15
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. (VA)

My identity has been compromised years ago and I've disputed these very accounts before. However, the 3 major credit bureaus has ignored my consumer rights that's afforded to me by the FCRA inwhich is supported by the FTC. The credit reporting agencies response to my disputes were " accounts been verified. Verified without any certified physical documentation, nor was I ever given accurate account of the process. Please provide me with the detailed Method Of Verification used in all these accounts inwhich I'm disputing and if you and/or your companies do not fully comply then you must remove, delete and/ or block the following accounts immediately as my rights vis the FCRA XXXX The accounts are as following. 
# 1 ) XXXX XXXX {$630.00} # 2 ) XXXX XXXX   {$740.00} # 3 ) XXXX XXXX XXXX {$91.00} # 4 ) XXXX XXXX XXXX {$0.00} # 5 ) XXXX XXXX XXXX # 6 ) XXXX XXXX {$6.00} # 7 ) XXXX XXXX XXXX # 8 ) XXXX XXXX XXXX {$6.00} # 9 ) XXXX XXXX XXXX XXXX {$1.00} # 10 ) XXXX XXXX XXXX {$1.00} # 11 ) XXXX XXXX  {$860.00} # 12 ) XXXX XXXX XXXX XXXX XXXX {$31.00}
Consumer complaint received 2021-01-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (NV)

We contacted XXXX about a move to a new address in XX/XX/XXXX. We were asked to pick up equipment for the new address, after picking up the equipment we noticed that our service had been moved to the new address. We called to have this fixed. After we completed the move, we noticed in the first week of XX/XX/XXXX that our bill was still showing the old address and not the new one. We contacted them, and they said they had issues transferring the old account to the new address, and as a result, an account was created for us by an agent who gave us the login in credentials over the phone. 
A few months later ( probably in XX/XX/XXXX ), we received the first notice about an outstanding bill from the previous address. We contacted customer service, and after a few calls, that bill was taken care of by the agent as a mistake. 
A few weeks ago, the same bill came up again, but it appeared twice on my credit report this time. All attempts to get this resolved amicably have proved null and void.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY (CA)

My complaint is regarding the fraudulent/mispresentation cash rewards and refund ( over payment ) AMERICAN EXPRESS ACCOUNT ENDING XXXX. 
First of all, I paid off the amount of {$2100.00} and payment was received X/X/17. 
I received a statement amount stated {$2000.00} due date was X/XX/17. 
I called and told them that, my refund should be {$74.00} instead of {$67.00}. 
Per conversation, they cant give me the full amount because of the interest fee. 
Its not making sense if the stated on the statement is {$2000.00} ; and I over paid them and theyre not going to give me the exact refund amount, {$74.00}. 
And I asked, regarding my cash reward in the amount of {$33.00} ; and I want to claim or send it to me. They said, not able to send/give to me because of the security question. They asked me XXXX XXXX if I am related to her and I said, I dont know her. That was the reason why did not process my cash rewards. Thats a fraud or mispresentation of the company on their advertising or promotion.
Consumer complaint received 2018-12-08
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. (OK)

IN REGARDS TO : EXPERIAN XXXX XXXX XXXX XXXX TEXAS XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX I HAVE SENT IN NUMEROUS DISPUTE LETTERS AND EVEN CALLED ABOUT AN ACCOUNT THATS REPORTING ON MY CREDIT REPORT THAT IS NOT MINES AND IT KEEPS COMING BACK VERIFIED AS ACCURATE. WHEN I KNOW THIS IS NOT RIGHT. THE ADDRESS REPORTED ON MY CREDIT REPORT IS FRAUDULENT I HAVE NEVER LIVED IN TEXAS IN ALL MY 70 PLUS YEARS OF LIVING. HOW IS THIS POSSIBLE THAT THIS ADDRES IS REPORTED ON MY CREDIT REPORT? WHEN I HAVE DONE BEEN WITH THIS COMPANY EVER IN MY LIFE. EXPERIAN HAS BROKEN THE FCRA AND HAS NOT FOLLOWED THE LAWS SET BY THE FTC. I DEMAND TO SEE A ORIGINAL CONTRACT BEARING MY SIGNATURE!!!! 

ACCORDING TO THE FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an originial Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to posititvely verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2020-09-14
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. (FL)

THE ACCOUNTS LISTED BELOW ARE FRAUDULENT THAT WERE OPEN IN MY NAME I DID NOT OPEN THESE ACCOUNTS SOMEONE USED MY IDENTITY I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX CRA. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.