davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NC)

No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
Consumer complaint received 2018-03-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Eastern Account Systems of Connecticut, Inc. (OH)

XXXX XXXX XXXX and eastern account system still posting derogatory marks on my credit report after they agreed to remove. I have filed chapter XXXX. These companies have received my discharge orders.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (KY)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC
Consumer complaint received 2021-04-06
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. (FL)

On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-07-18
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Brewer's Quality Homes, Inc. (LA)

I ordered a mobile through Brewer Quality Homes XXXX XXXX Louisiana. XX/XX/2021 I was told I had to sign my mortgage loan papers SIGHT UNSEEN, so I was told, so that the Permits could be released for the trailer could be transported & so that the loan or interest rates expire. Once the trailer was set up is when my mortgage payments started which was approximately XX/XX/2021. Once I was able to see the inside it was a disaster!! I notified XXXX XXXX of the condition that the trailer was in, they would not back up the due at all. As of todays date XXXX XXXX We are still not in this poorly crafted trailer. The mortgage company is in with the dealership & are just worried about when will I be making my payment! I continue to pay my mortgage in good faith. I have asked numerous times for a breakdown with a dollar figure on every and everything that I will be paying for for 30 years. XXXX XXXX & XXXX continue to send the spec sheet which only explains what is in the trailer! I included the utilities, so how much are these charges? It slipped through the cracks the the trailer was XXXX, but I was charged over a XXXX plus, so what am I being charged for, XXXX in account for! 
Fraud, misrepresentation, bait & switch, just a few of what Im dealing with, not to mention taking advantage of a handicap person & my customer rights according to the Frank Dodd Act. Very disappointing to know that customers like me & so many others are being taken advantage of by these two companies! I have been thrown to the wolves!
Consumer complaint received 2021-04-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

On XX/XX/XXXX, I personally purchased airfare for a close friend as her Dad had a XXXX XXXX. This was a loan and she agreed to pay me back. At the same time I was grieving as my husband of 30 yrs had passed away after a two year battle with XXXX. As he handled all the bills, I was lax on reviewing my citibank statement. I spend $ XXXX a month on the card so approx. a XXXX charges per month. In XX/XX/XXXX, I noticed my payment was close to $ XXXX so I investigated. I found fraudulent changes dating back to XX/XX/XXXX. Upon further investigation, I traced all these charges of {$29000.00} to this same close friend. When I confronted her, she tried to say it was all a mistake. I realized she had taken my credit card from my wallet and copied the information and used it to pay her Utilities, her food, and fake invoices for her XXXX business knowing I was grieving and taking advantage of that. 
I contacted Citibank and noted each charge as fraud through the website. I was credited {$7500.00} quickly while they opened up an investigation. This was pretty much one credit of a fraud charge in each category. I was told by Citibank to file a police report, which I did and provided Citibank the report number. This is where all the XXXX began. I called weekly to get status on my claim and got the runaround as spoke to numerous Customer Service Reps who could not provide any updates. Suddenly, my case was closed with an email letter sent to my Citibank inbox without me knowing. Citibank stated that their investigation showed that this friend was an authorized user and denied my claim. Note : Citibank would not allow me to send any of the attached files. I was also told that the investigator never contacted the Police Dept. to get a copy of the fraud report. I have attached all files provided in the police report. 
Note : As they denied my claim, Citibank still credited me {$7500.00} which does not make sense as they denied my claim. I even mentioned this to the last Customer Service Supervisor I spoke to and she said it looked like different departments were not communicating.
Consumer complaint received 2024-02-05
Product: Credit reporting 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX 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 an 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 2021-12-08
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: General Motors Financial Company, Inc. (CA)

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and GM Financial to have the inquiry removed from my XXXX account. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/2021
Consumer complaint received 2021-07-17
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 (UT)

I applied for the American Express XXXX Platinum XXXX of XXXX. To confirm the spending bonus awhile after having the card I logged into the AMEX dashboard & chatted with XXXX an AMEX representative on XX/XX/XXXX, & XXXX confirmed the introductory bonus of XXXX AMEX points on my account offer after spending {$5000.00}. 

I did not see a bonus tracker as other friends stated shows in their AMEX dashboard so I inquired via AMEX chat concerning the bonus again a few days later, & the next rep stated I suddenly was not approved for the introductory offer. Then there was an Amex internal investigation & they came up with the false rebuttal that a popup showed up when I applied. 

The popup did not produce when I applied period. Otherwise I would not have applied for the AMEX personal platinum card. This tool Amex now utilizes sounds like it was not functioning or in a beta version when I applied for the card & the introductory bonus offer & terms were obvious. 

I have evidence to backup the claims made here.
Consumer complaint received 2021-12-08
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. (AR)

There are 2 accounts listed on my credit report that I want removed asap. I tried before and the response was that I hired a credit repair. This is crazy. I didn't hire anybody. I just know my consumer rights. The company is violating my consumer rights. I have several violations. The first one is 1681a If a transaction was authorized by your social security card, the real credit card first defined in truth and lending act, this transaction must be excluded from your consumer report. The FCRA also defined a credit card as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This definition makes my social security card a credit card. The accounts was authorized by my social security card, a credit card and must be excluded from my consumer report. The two accounts are as follows XXXX XXXX XXXXXXXX opened XX/XX/2021 the account is closed and paid in full with no late payments. I demand that they erase this account. 
XXXX XXXX opened XX/XX/2021. This is not my account, and the company told me it was verified by my social security number. I demand that this account be removed.
Consumer complaint received 2020-11-23
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I applied for a capital one credit card years back and when I tried to pay it back Th wouldnt let me and said its already in collection. So its really messing with my credit right now and I would like to get that fixed. Due to these hard times during this pandemic.
Consumer complaint received 2020-09-08
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. (OH)

On XXXX XXXX 4 new inquires that i did not authorize appeared on my credit report. They are XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX. I have other inquires that i did not authorize too. I had a credit freeze on my credit because of identity thef. They are XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX, XXXX/XXXX XX/XX/XXXX. 
Also telephone number XXXX does not belong to me.
Consumer complaint received 2022-10-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Forster & Garbus LLP (TX)

Forster & Garbus filed a lawsuit against me at an address I haven't lived at in 4 years. I called the court and let the courts know, and they put a note in my account and also requested that all dates be virtual going forward and they told me to call Forster & Garbus to find out what the lawsuit charges are for. I then called Forster & Garbus to let them know that I do not live in NY state. I also knew nothing about the charges so I asked them what the charges are for. They read off a creditor name that I did not recognize and asked me to pay somewhere upwards of {$3000.00} for the charges ( despite me never seeing a breakdown of these charges ). I informed them that I live across the country, and have for XXXX years. I then asked for the dates of these charges, and the date of delinquency/last payment. They said the date of delinquency was in 2015, which would be past the NY State statute of limitations, which is 3 years. They also never provided the documentation to prove the debt. When I brought this up, the person I spoke to, got agitated when I brought this up, and said they were not a lawyer. I then asked to speak to the lawyer, as I'm a pro se self represented litigant. She said " he's not here right now ''. I mentioned the statute of limitations again, and they tried to strong arm me and give me an ultimatum to pay them, or " just go to the courts then '' knowing I live across the country ( in a completely different zip code ) and I would spend more money on plane tickets and transportation to even get there and back. I also have a XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) and can not just fly whenever I feel like it. I have to speak to my doctor who will then tell me if it is safe to fly. I can provide my hospitalization records to show that, if needed.
Consumer complaint received 2021-04-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The purpose of the letter attached is to dispute the XXXX XXXX XXXXXXXX credit card suspension, the negative effect i has had on my credit report, and denial of a recent application. Please, see the letter an d credit report attached.
Consumer complaint received 2021-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AL)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XX/XX/XXXX, Attorney General and FTC
Consumer complaint received 2021-12-08
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. (PA)

Experian is reporting XXXX XXXX account with the same account numbers 3 times on my credit report. 

Experian is also reporting XXXX XXXX on my credit report twice on my credit report.
Consumer complaint received 2021-07-17
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. (AL)

Its been over 3 months no information given and no sign of investigation. Moreover, per section 15 USC 1692 laws, no information provided regarding accounts within 5 days nor did I give permission for these accounts to be reporting. I have no idea what these accounts are and they shouldn't be reporting.
Consumer complaint received 2022-10-12
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: Bread Financial Holdings, Inc. (NY)

My XXXX XXXX cards were transferred from XXXXXXXX XXXX  XXXX to Comenity on XX/XX/2022 through Bread XXXX  On XX/XX/2022 there is a {$19.00} charge for Bread XXXX which I can only assume is an activation fee which I did not agree to nor authorize. I could not access my account on their website until XX/XX/2022 which is when I noticed the charge. When calling the company on XX/XX/2022, I was told that they could not tell me what the charge was for. I then requested that my 2 cards be cancelled and that my account be closed. The cards are still active and my account is still open.
Consumer complaint received 2022-10-12
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Byrider Franchising, LLC (OH)

I paid off my vehicle in 2019 and still have not received the title with the lien released. They sent me a letter, however in Ohio you can not use the letter as the Lender holds the title. I want the title to my car that I have paid in full.
Consumer complaint received 2021-07-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: KEYCORP (UT)

Key bank allowed fraudulent charges from XXXX XXXX car take over {$4000.00} from my account. And the company XXXX was only able to provide one authorization signed by myself for XXXX $ for the week I had a vehicle. XXXX had some sort of computer problem and at one point thought I had 6 rental cars. Key bank didnt even look at my proof of only having the rental car for a week. Instead they reversed the original provisional credit and have refused to look at my side of the story. I had only authorized a payment for XXXX for the length I had the vehicle. I have also had thousands of dollars go missing and when I bring it up to key bank they become very rude wont give me an explanation for where my money is and tell me I need to keep track of my money better then hang up on me. They have stolen thousands from me. They give me a bank account that has no fees and I pay over XXXX $ a month each month in fees?? I am now negative {$3000.00} this is money I inherited from my deceased baby brother. This is unfair and sickening that they would do this. I deposited a XXXX $ check back in XXXX and still have never received my funds from my check. I need someone to help me get my money back. I feel like I have no voice they shut me down everytime and its wrong. They stole from me and allowed my money to be stolen and blamed me for it. They left my family and I stranded XXXX miles from home when they did this and have done nothing to explain where my money is and when I sent in all my proof of returning the vehicle and receipts and email discussion with XXXX them stating the vehicle was Infact turned in on the date I returned it and what matches my receipt. The other documents they have dont even have my signature. I never authorized them to take that amount and my bank allowed it and shut me down. What am I supposed to do.
Consumer complaint received 2020-11-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Utah System of Higher Education (GA)

I am XXXX  XXXX. XXXX and I have notified Cornerstone Loan Services department multiple times in writing that the loan was forgiven. XXXX and I have participated in multiple conference calls with Supervisors from Cornerstone over the past 22 months who committed to bringing closure to this issue. Once the conference call ends no further action is taken by Cornerstone and they never contact me back with an update status as they have committed to during the conference calls, The Department of Education has provided them clear directions multiple times since XX/XX/2019 and they have failed to take action required by the agency.
Consumer complaint received 2018-07-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

The representative spoke in a kindly manner and I have not had any issues since the recently with Nelnet. I have always made payments on time and never missed any either. 
When I inquired recently regarding change of repayment plan from the income driven to the standard repayment plan. The first attempt to make the change I spoke with a representative that had notified me that I would have to make 3 qualifying payments to change into the said plan. Then she had quoted me an amount that I would have to pay for the loan of {$70.00} and some change for the standard repayment plan of the 10 year term. ( 120months ) When I called the second time to make the change towards the account. The representative quoted me the same amount and had said that the paperwork would be completed and submitted. After a month passes and i am getting ready to make my regular payment I see that there are no change to the account or payments. So I call Nelnet today XX/XX/2018 and speak with a representative that states, that I can not switched into that plan because it was a forced income driven plan. Then I get upset with them and then she states that she would be able to change the plan. She had me wait on hold while she looked into the account. When she returned she quoted me a new rate of {$71.00} and some change. Also shes said that it would take 5 day for them to process the paperwork. I was upset with her in regards to the new higher quote. So we got off the phone, she calls me after 2 mins of hanging up. She said she didn't like the way that this ended and want to see if there was something more that they can do. Furthermore, she has me wait of hold and returns after some time to tell me that I will be talking to a new representative named XXXX. ( The irony here because I attended XXXXXXXX XXXX XXXX XXXX University ). She warns me now that there might be more fees and payments associated with the new plan. When speaking to XXXX I learned that my new payment will be XXXX. At this point i'm to drained to argue. Then he failed to inform me until I questioned him the details, that the new standard plan run 12 years instead of 10 years which is unheard of. I just experienced the most deceptive strategies that any loan account services organization can provide. You can refer to the call on XX/XX/2018 with representative XXXX.