davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC (MO)

i have never had any late payments when I had this credit card and they are showing late payments in 2019 the card was reported stolen back then and the company corrected it now that a new company has it they show late payments on my old cb indigo credit card I have never been later or pastdue on an account in my life
Consumer complaint received 2016-06-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: GREAT LAKES (TX)

I graduated in XXXX 2014 from the University XXXX after living in XXXX for 20 years, and then relocated XXXX in XXXX 2014. I updated all of my address changes, but never received any communication from my student loan debtors until yesterday when I received a phone call from a collection agency demanding payment. They want me to make XXXX monthly payments in order to get my loan out of default. I had NO idea I was in default and feel I have done due diligence in making a good faith effort to remain in compliance.
Consumer complaint received 2015-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I noticed that a credit card company reported my account on my credit report, even though I am only an authorized user. This is a violation of the FCRA and I respectfully request that you remove this listing immediately. 

According to section 603 of the FCRA, only information on credit issued to a consumer is allowed. If you are an authorized user, you do not fall under these categories, you are not responsible for the debt and did not receive credit. An authorized user does n't have credit on this account and it 's only the signor that is responsible. So, in essence, if an account on which you are an authorized user shows up on your report, it would be someone else 's credit ( the signor on the account ).
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (GA)

They are violating my privacy per title 34 part 99 I never gave them written consent to put this information on my report. 

The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. It also applies to any state or local education agency that receives funds under an applicable program of the US Department of Education. 

The Act serves two primary purposes : It gives parents or eligible students more control over their educational records, and It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an XXXX XXXX, or if the student is a XXXX XXXX XXXX XXXX ( 20 U.S.C.S. 1232g ( b ) ).

An eligible student is one who has reached age XXXX or attends a school beyond the high school level. 

Subpart DMay an Educational Agency or Institution Disclose Personally Identifiable Information From Education Records?

99.30 Under what conditions is prior consent required to disclose information?

( a ) The parent or eligible student shall provide a signed and dated written consent before an educational agency or institution discloses personally identifiable information from the student 's education records, except as provided in 99.31.

( b ) The written consent must : ( 1 ) Specify the records that may be disclosed ; ( 2 ) State the purpose of the disclosure; and ( 3 ) Identify the party or class of parties to whom the disclosure may be made. 

( c ) When a disclosure is made under paragraph ( a ) of this section : ( XXXX ) If a parent or eligible student so requests, the educational agency or institution shall provide him or her with a copy of the records disclosed; and ( XXXX ) If the parent of a student who is not an eligible student so requests, the agency or institution shall provide the student with a copy of the records disclosed. 

( d ) Signed and dated written consent under this part may include a record and signature in electronic form that ( 1 ) Identifies and authenticates a particular person as the source of the electronic consent ; and
Consumer complaint received 2016-12-01
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (NY)

I have a problem with a late charge. my due date was XXXX 2016.could not make payment online. I made my payment late XXXX XXXX over the phone with customer service. 
She waive the late charge because I was never late. 
But because the statement was generated in XXXX I made payment of my regular payment. Since XXXX I have called and customer service service would waived the late fee. I was given a min payment and pay that payment on time. But get a statement eve ever month even after calling and given a min payment. 
Barclay would still not correct the statement and I would be late because the sTATEMENT REFLECTS A DIFFERENT PAYMENT THAT WAS TOLD TO ME OVER THE PHONE. 
iT SEEMS TO ME EVERYTIME I WAS TOLD THEY TOOK THE LATE CHARGE OFF IT WAS PUT BACK ON BECAUSE THE STATEMENT DID NOT REFLECT WHAT WAS TOLD TO ME OVER THE PHONE. 
SO MY MIN PAYMENT IS HIGHER THEN IT SHOULD BE AND BARCLAY WO N'T FIX THE PROBLEM I WAS LATE ONCE ' DUE TO THEIR WEBSITE. BARCLAY IS NOT TAKING OFF THE THE LATE CHARGE AND NOT CREDITING THE STATEMENT CORRECTLY. 
THIS HAS TO LOOK INTO FOR FRAUD
Consumer complaint received 2016-07-08
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Incomm Holdings Inc. (MI)

On XXXX I purchased XXXX Cards at my local XXXX pharmacy. My credit card was charged. When the cards were " activated '' there was some sort of error which led to XXXX the cards not being activated, while the third card was supposedly fully loaded with the {$470.00} I had paid. The store manager refunded my credit card for the other XXXX cards which were not activated. When I later went to use the " activated '' card I found there was no money on it. That same day I contacted XXXX and sent in via email and fax all the documentation. Now, after more than two weeks and half a dozen phone calls they inform me that ALL of the cards were supposedly activated and that I used them all at the same store immediately to make purchases! This is completely incorrect and I have all the receipts to verify what I am saying.
Consumer complaint received 2015-08-12
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: CHECK INTO CASH INC. (AZ)

check for {$500.00} but took half instead. I was w/ us bank. I now have XXXX XXXX paralegal XXXX calling form XXXX. XXXX XXXX attempted to contact me for the first time XXXX/XXXX/15. also proceeded to contact my father. released confidential/personal info. telling him a warrant would be issued for my as well as a felony on my record. same day also contacted my XXXX brothers. I attempted to set pmt arrngmnts as was told by XXXX representatives from walker I was non-compliant and foewarding to a judge. my XXXX hung up on 2 times before I was able to get him to transfer me to his manager who also stated I was non-compliant. adv her Arizona is a community property state my wife should have been primary contact. instead private info released, threatening acusations, illegitimate & down right harassing business practices I would request u look into company to make sure other are not having to deal with this kind on treatment..
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I need your assistance in helping to get inquiries on my credit file that was not authorized nor completed by me. I am a victim of identity theft. My purse was stolen and some my personal information was compromised. I did not authorize any credit applications ( inquiries ) between XXXX XXXX and XXXX XXXX. Please have Experian to remove these inquiries from my report.
Consumer complaint received 2015-12-09
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Integrated Recovery Services (MI)

A representative called me on XX/XX/2015 regarding a debt a relative has, I explained I have nothing to do with the debt and requested no contact, they assured me they would take me off as contact. On XX/XX/<YYYY> I received an automated call regarding the same debt owed by a relative. I called again to ask that they remove me as a contact, " XXXX '' stated that the relative would need to have them remove me. I asked why she could not remove me as an non-involved part that did not want to be contacted, she again stated that the relative needed to have me removed from their contact list. I asked if they followed FTC regulations, she stated they follow their own regulations then put me on hold and did not return to the call.
Consumer complaint received 2023-04-13
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I disputed XXXX XXXX XXXX with TransUnion for amount of XXXX it came back verified I called TransUnion again ask them again to to dispute information thoroughly because I talked to XXXX XXXX  they told me that the debt is owned by someone else and being that that card was a secured card with limit of XXXX dollars it was taken for that deposit so I dont owe XXXX under code 15 usc 1681 ( 2 ) inaccurate information I would like for it to be deleted immediately please
Consumer complaint received 2016-10-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

Experian is, in my opinion, ruining my credit report on purpose. I am amazed at how inept they are being about fixing their own mistakes. I have sent them XXXX letters so far, highlighting exactly what was wrong and what they needed to fix and they have been responding with ludicrous statements basically telling me that I am the one who is wrong! I AM REALLY HOPING YOU CAN HELP ME! Here are my main concerns : 1. there are several accounts that were included in my chapter XXXX bankruptcy that are still showing late payment history AND BALANCES! CAN YOU BELIEVE THAT!?? 

2. Several accounts are reporting past due statuses when they are supposed to be current or are paid completely. 

3. I do n't believe that a proper investigation was done on some accounts that are showing late payments and I believe them to be errors and the late payments should be removed.
Consumer complaint received 2022-02-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (NV)

on XX/XX/2021 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 im being taken advantage of and being ignored by my disputes. Section 611 ( a ). it is plainly stated that a failure to investigating these items within 30 days give a reason to immediately remove those items from my credit report. it has been over 60 days so it should be deleted promptly. I demand these accounts be deleted immediately or I will file for ligation due to stress you caused me. My information was also impacted by the XXXX data breach and may gotten into the hands of the wrong person
Consumer complaint received 2019-05-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

I have disputed over and over and over again to the tradeline to ATTORNEY GENERAL-XXXX. They are reporting wrong information on my credit report for child support. I have NEVER been late on my XXXX XXXX payments. My XXXX XXXX payments come out my paycheck automatically every two weeks. There is not way I have ever been late. Im asking for the last time to have my credit report to reflect no latenesses and if you can not do that remove that negative tradeline from my credit report. I also need the name of the person who is reporting this to Equifax. Equifax need to get on the phone and call the attorney general office and get this straighten out. This is the last time I will request this to be fixed or my next course of action is to file a lawsuit. I have had enough of this. It seems the only way to get this right is to file a lawsuit.
Consumer complaint received 2015-10-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (MN)

Specialized Loan Servicing ( SLS ) assumed our loan from XXXX Bank but failed to notify us of the change. Our loan payments continued to be made to our XXXX checking account per the agreement agreed upon when the loan was originated. SLS falsely reported XXXX late payments to the credit agencies greatly harming our credit. I have contacted SLS on numerous occasions and they are unwilling to correct this wrong. Their continued delay continues to cause great harm to my families well being.
Consumer complaint received 2022-08-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMERICAN EXPRESS COMPANY (CT)

Funds in the amount of {$440.00} transferred to my external account ending in XXXX on XXXX, the transaction does not currently show in process or in completed transactions, screen shot taken from today, XXXX is attached to this complaint. I've checked with XXXX, external account, the funds are not showing as deposited as of yet, appears to be a delay as is evident in fact as transaction does not show in pending or completed. I've spoken with XXXX, they do not see funds in pending status on their side, advised me to contact the sender, which is Bluebird, appears to be an error on their end
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (FL)

I received a alert on my credit monitoring ... XXXX a collection item was reported to my Experian credit file as a negative item from XXXX XXXX ( {$170.00} ). I contacted XXXX XXXX immediately and they faxed on XXXX/XXXX/2016 me a letter that this item should not be on my credit and they have requested all credit bureaus to delete/remove this negative item from my files. 
My credit is very good as I have no negative items and have never been late on any payments. This negative item should not be on my report ... ... and has cause my Experian score to drop XXXX points. It needes to be removed I am a veteran and am in the process of getting a VA Loan to purchase a home and I need to immediately have this negative item removed from my credit report. My efforts contacting Experian 's customer service to provide me with a fax number or email address to send them this letter from XXXX XXXX and remove this negative items has been frustrating. They refuse to give me information and say it will take 30 - 45 days to remove this negative item from my credit file. 
That is not acceptable ... ..it is critical that this item be removed immediately as it is jeopardizing my ability to get a VA Loan or are getting the lowest interest rate possible. 
I would greatly appreciate if you can contact Experian immediately and let them know that there is an urgency for them to remove this negative item from my credit file with the documentation of the letter from XXXX XXXX that is attached.
Consumer complaint received 2017-10-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Emerald AR Systems, LLC (FL)

I do not have a signed contract nor any contract with EMERALD AR SYSTEMS. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with EMERALD AR SYSTEMS. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX and I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for your company to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!
Consumer complaint received 2015-03-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (GA)

Experian, I express concern how supervisor was rule, disrespectful, hing up, and over talk you on the phone. They disregard chapter ( XXXX ) bankruptcy. Experain continue to report my credit the same way like the bankruptcy does no matter. The supervisor was rule to I asked to be transfer to the department the handle bankruptcy he no me know I state that they sensitivity training, some comments to me was offensive. Then turn hung up the phone, XXXX, only put file to be trainfer to his phone. The n also sending me a bias letters in the mail. Experain is have cause me to not have access to credit also to pay high interest rate. They disregard my bankruptcy also reporting in formation over ten year old.
Consumer complaint received 2016-01-19
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (UT)

I started to receive calls from XXXX. I called back got a recording " XXXX attempting to collect a debt. '' I have not been 30 days past due on anything nor received notices. Finally got a Rep on the line. First thing she mumbled her name, recording, Synchrony Bank, and this was attempt to collect a debt. The XXXX immediately requested my SSN on to which I refused. After great difficulty it was determined they were a bank backing XXXX XXXX XXXX credit card. That it was a bank not collection agency. They started calling because I had missed my XXXX/XXXX/2016 min. payment. She insisted I was 34 days late. Noted that she did not know the Credit Card XXXX or much about XXXX. She did finally agree to put my complaint in the tracker as mandated by XXXX XXXX. There was a very frustrating conversation where in which I requested to speak to a supervisor. After calling back I spoke with XXXX XXXX who confirmed that it was bank not a collection agency, and that I was not technically 30+ days late as the previous rep had insisted. I told him that I agreed I had missed my due date. By getting phone calls prior to even being 20 days late I consider to be somewhat harassing. It was concluded that he too did not completely know about the Card Act, XXXX, or other XXXX. I asked him to also enter the call into to their complaint tracker which he said it was already. I then advised him that I would be issuing my own complaint. I am attaching the credit card statements. On to which it states I needed to pay the full amount ( which included the past due amount ) by the next XXXX. Since the account was not 30+ days past the due date and late amount was now expected by the next due date, these phone calls were unwarranted. Also, Synchrony Bank used the tactic of " attempting to collect a debt '' was deceptive in trying to threaten me into making a payment although I now know it clearly reflects I did not.
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I have recently examined a copy of my credit report, which indicated that the credit inquiries listed below were the source of the credit inquiry. Nevertheless, I did not authorize these inquiries. Kindly investigate my claim in accordance with the Fair Credit Reporting Act.I request that you eliminate these inquiries from my credit report as they impede my ability to apply for loans and obtain credit. If you have any additional materials pertaining to this inquiry, please provide them. 
XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year>
Consumer complaint received 2022-08-09
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio recovery associates at XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Consumer complaint received 2016-08-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sprechman & Associates, P.A. (FL)

The collection agency ( Sprechman & XXXX, PA ) is attempting to collect on a non-valid, non-validated and disputed debt within the thirty-day period in direct and blatant violation of FDCPA 809 ( b ) Validation of Debts. Disputed Debts : Summary of Salient Facts : XXXX/XXXX/XXXX : Date of letter by Sprechman & XXXX, P.A. indicating that your office represents XXXX XXXX, XXXX for an account with an alleged delinquency. 

XXXX/XXXX/XXXX : Alleged delinquency letter was delivered to XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. 

XXXX/XXXX/XXXX : XXXX XXXX mailed letter to XXXX XXXX XXXX advising that collection agency was attempting to collect on a non-valid debt and requesting confirmation that collection agency was would no longer be attempting to collect on this non-valid debt. 

XXXX/XXXX/XXXX : Sprechman & XXXX ( as Attorney for Plaintiff XXXX XXXX, XXXX ) filed a Complaint and issued Civil Actions Summons against XXXX XXXX and XXXX XXXX alleging a breached contract with Plaintiff. Both the Complaint was filed and Summons issued ( these both constitute an attempt to collect a debt ) prior to the 30-days in which XXXX XXXX was in receipt of original alleged delinquency letter. It was also filed after the letter sent to - and likely received by - Sprechman & XXXX informing them that they were attempting to collect on a non-valid debt. 

XXXX/XXXX/XXXX : XXXX XXXX emailed an electronic version of the letter ( that was originally mailed on XXXX/XXXX/XXXX ) to XXXX XXXX of collection agency per XXXX instructions. 

XXXX/XXXX/XXXX : XXXX XXXX was served the Civil Actions Summons at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. Serving a Civil Actions Summons is an attempt to collect a debt. 

XXXX/XXXX/XXXX : XXXX XXXX received a letter from Sprechman & XXXX informing me that I have been served with a lawsuit and instructions to call the Collection Department. Bottom of letter states, " This is an attempt to collect a debt ... '' Sprechman & XXXX has had many violations of the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ) Validation of Debts. Disputed Debts, by continuously attempting to collect on a non-valid and disputed debt. The open complaint is a continued and ongoing attempt to collect on this non-valid, unverified and disputed debt.