davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-03
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (MI)

Amex has recently created new terminologies, which no one else in the industry uses which is confusing and I claim with the intention of charging extra fees. Details : 1. When automatic payments are setup, it can be usually set up to ( automatically ) deduct a. Minimum payment due ( minimum payment and remaining balance and may incur an interest ) b. Last Statement Balance ( including any credits/refunds after the statement generation ) c. Current balance ( entire balance ) d. A fixed amount 2. When it comes to the due date, there are usually 2 options : a. On due date b. On a fixed date Credit card companies have grudgingly embraced the Automatic payments, with varying degrees of difficulty, Amex being the recent acceptor. However, they are trying to hoodwink consumers by providing a new set of terminologies which no one else in the industry uses such as " New Total Balance '', which they claim is nothing but " Statement balance '' but there is no guarantee as they can always twist their own terminologies. I did speak and chat with them but they would n't change. They also do n't have a " Payment due date '' for automatic payments but will only say Statement Date + 15days ... but what if this date is past the " Payment due date ''? Or what if they just change the terminology to +25 days? This, in particular is truly intended to hoodwink the consumers into missing the payment date or paying more. There is absolutely no reason to create new terminologies.
Consumer complaint received 2024-03-01
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Resurgent Capital Services L.P. (FL)

Sent an answer to judgement in XXXX. I received a court date to attend, then I received a letter canceling the court date. Received a letter stating I lost judgement against me from LVNV without being aware of the on going lawsuit
Consumer complaint received 2016-03-01
Product: Credit card — 
Issue: Rewards — 
Company: BARCLAYS BANK DELAWARE (FL)

I have been having problems with Barclay Bank for more than three weeks with no resolution. Various reps tell me a different story every time I call. This issue involved a point redemption using their rewards program. In my opinion my problem may affect many other cardholders who may or may not be reporting these issues. I attempted to redeem XXXX points to my credit card statement many weeks ago. This would give me a credit of {$3200.00} against Travel related charges with XXXX XXXX. Due to some sort of technical issue on the Barclay website this did not go through. I called XXXX case # XXXX. Phone reps from Barclay have been deceptive in giving me incorrect information, making different statements to me every time I call.
Consumer complaint received 2022-06-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC (MI)

I've requested a Validation of the alleged debt from National Credit Adjust but to date, have not received the requested information. I would like a full breakdown of the amount allegedly owed, proof that this company is licensed to collect on this alleged debt in my state, proof of my digital or wet signature used to open this alleged account, as well as proof of my consent to have this company report this alleged debt on my credit reports. If company CAN NOT provide all of the requested information, please delete this erroneous account from my credit reports so that it may no longer cause me financial harm.
Consumer complaint received 2022-02-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Consumer complaint received 2020-10-18
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. (OH)

On XXXX I submitted a dispute with Experian and XXXX  to remove an account that is paid from XXXX XXXX. The response was account was " verified '' and would show remained. I called and submitted again on XXXX and was told the same thing. I explained that it was paid and provided the document that was paid and that it should be removed because it was still showing as a negative item on my credit profile. No change. 
On XXXX I submitted a disputes with Experian, XXXX, XXXX  to have unauthorized inquiries removed. Again I was met with the " verified '' statement. I resubmitted again on XXXX and the same answer. I called and asked if they could send me who they verified these items with and I have yet to receive a response.
Consumer complaint received 2022-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CURO Intermediate Holdings (AL)

I called the company to let them know. I never signed a contract. That stated, this account has my authorization to be sold to a collection company. Also I told them in writing and on the phone. I seen they sent my account to AD ADSTRA Collection Company. And they are reporting on all three Credit reporting Agencies. The debt as well. Under Speedy Cash with a past due balance. Per the XXXX, it is illegal to report a debt for payment. When the debt was either written off or sold to collections.Im not suppose to be charged for such debt XXXX. Ive been reporting this illegal act for several months, now. Only to be told this was okay and legal by Speedy Cash. I feel violated and taken advantage of by Speedy Cash. Im XXXX and live on a set amount of benefits. I am willing to XXXX Speedy cash. For pain and suffering from this XXXX being put on me illegally. I have tried and tried to dispute this account on XXXX especially. However, Ive reported on all three XXXX XXXX reports. Ive sent Validations letters to all XXXX Reporting Agencies, with no response. If this illegal account is removed from all three reporting agencies. It would be a great XXXX  of my being.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Stellar Recovery, Inc. (UT)

1. XXXX billed at a higher rate than quoted during the sales calls. Month after month telling me it would be fixed, giving me one reference # after another. 2. XXXX 5 year price lock, was a lie. Their bill increased around 45 % in just over a year. 3. ( Please see Arizona Attorney General v XXXX XX/XX/2016 ). Some of the XXXX the Arizona XXXX believes violated the Arizona Consumer Fraud Act, happened to me from XXXX in Arizona. After two other collection agencies backed off from this collection, Stellar Recovery Inc . Proceeded to damage my spotless credit. It was very clear with the information I gave them, this was not a good bill. they should have declined, like the other XXXX agencies did. They damaged my credit, causing XXXX company not to do business with me.
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (GA)

I was not able to update my dispute information and upload files this evening. Person I spoke to this evening around XXXX XXXX at XXXX barely spoke XXXX. I dont think the credit bureaus should put your dispute on lockdown after you submit it.
Consumer complaint received 2024-05-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC. (AZ)

Subject : Complaint Regarding Debt Collection Practices- Reference Number : XXXX To Whom It May Concern, I am writing to file a complaint regarding the debt collection practices of Caine & Weiner. My name is XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, and my email address is XXXX. 

I received a notice from Caine & Weiner regarding a debt purportedly owed by me. However, I have several concerns regarding the provided information : 1. Itemization of the Debt : The notice did not include a detailed itemization of the current amount of the debt, reflecting interest, fees, payments, and credits since a particular date. Without this information, it is challenging for me to assess the accuracy of the debt.

2. Current Amount of the Debt : The notice failed to clearly specify the current amount of the debt when it was provided. It is crucial for debtors to have access to this information for transparency and dispute resolution purposes.

3. Information for Dispute : The notice did not provide adequate information for me to reply to the debt collector, particularly if I believe the debt is not mine or if the amount is incorrect. Clarity on how to dispute the debt is essential for consumers ' rights and fair debt collection practices.

4. End Date for Dispute Period : There was no indication of an end date for a 30-day period during which I can dispute the debt. It is imperative for debt collectors to provide consumers with a clear timeline within which they can exercise their rights to dispute the debt.

I kindly request that Caine & Weiner address these concerns promptly and provide me with the necessary information to resolve this matter fairly. I expect a timely response in accordance with the regulations outlined by the Consumer Financial Protection Bureau ( CFPB ).

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-08-04
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. (NY)

According to case XXXX equifax states that they have to look into this but by fcra law when they are in receipt of the request of identity theft they are supposed to block and delete within 4 days. This is not an error on my end, there is no material misrepresentation and so on. Do equifax want to be held liable by not following law. Equifax policy does not override whats federal law. They must do what is fair and equitable for the consumer and the banking system is depending on them to be accurate and efficient. Block and delete immediately.
Consumer complaint received 2017-02-07
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Systems International, Inc. (TX)

On or about XX/XX/2016 I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization, etc. ) on XX/XX/2016 I received a letter from creditor stating they could not locate my account. I have since then contacted the credit bureaus requesting the same information with no results. I am attaching the letter I received from the debt collector.
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P. (GA)

# XXXX On XX/XX/2024 I requested a proof of notice, which they did not provide. They are in violation of my rights. In addition, please provide certified paperwork showing you have any rights to collection the debt. 

Also, please provide an assignment debt for the creditor. I'm looking for any bills, but only what I requested.
Consumer complaint received 2017-05-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management (VA)

I submitted a complaint regarding this company within the past 6 months with your company, case file no.  XXXX , this company stated via written response that they would remove the debt from my credit report with no further action or communication from them, that has not happened and now they are reporting this debt once again in addition to the previous amount they claim I owed. The original debt was with   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX  for {$670.00} that should have been removed, I have not opened any accounts or have any loans with this company, if it is a payday loan, it was included in my Chapter  XXXX  bankruptcy back in   XXXX   and that has be en discharged, all a ccounts I have recently opened are all in good standing, I am trying to rebuild my credit and have been doing an excellent job thus far. This company has now changed the name and issued yet another collection on my credit report under  Plaza Services  XXXX   XXXX   XXXX  -  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , GA  XXXX  (  XXXX  )  XXXX  for the same amount of {$670.00}, this is not a coincidence, it is fraudulent and incorrect reporting. I would like this company investigated and I would like both of these debt collections removed from the credit reporting bureaus. Please assist me and help to rectify this situation, it 's very  XXXX  having to deal with false transactions and fraudulent reporting on my credit. Thank you
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (NJ)

I had a loan with CitiMortgage dating back to XXXX. My family experienced some financial difficulty and had to file chapter XXXX bankruptcy, this dates to XXXX. Part of the agreement with the court was that XXXX would agree to modify the loan. After some trouble they were able to modify the loan and reduce the pricnipal balance by approx. XXXX. The stipulation was that they would agree to the principal reduction as long as I made my payments on time and each year on the anniversary they would take off XXXX of the balance off of my principal. The first yer went fine and they reduced my amount owed XXXX and change. The next year my loan was transfered to a different servicing agent. And then later in XXXX the loan was transfered again. So somewhere the information about this modifcation agreement got lost. I have the original agreement and I 'm sure if was filed with XXXX XXXX based upon the fact that my loan amount, term and rate all changed. My current loan servicer is not be very helpful. I sent an email to their depoartment with no response. My account manger says there is not direct number for the department that would handle this issue. I also wrote a letter to the compnay with a copy of the modication without any response. Now I am getting very frustrated as my principal reduction period is over and I may be looking toi sell the home within ghe next XXXX24 months. This would be a major issue when the pay off comes in XXXX higher than it should.
Consumer complaint received 2015-07-30
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: AES/PHEAA (MO)

I have reached out to AES for help with repayment on my loans and they have told me that there is nothing they can do. I had a baby in XXXX and was unemployed for a few months. I had no way to pay the loan and called numerous time to try and work something out until I was able to make payments again.Now some of my loans are in default and I have no idea what to do. It is affecting my credit and my parents as well since they were cosigners.
Consumer complaint received 2017-05-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (GA)

Loan amount on  XXXX   XXXX   Loan  amount on  XXXX  {$10000.00} total paid towards principal {$2200.00} total paid towards interest {$5400.00} in alm ost 2 yrs   and that 's with {$420.00} a month payments. To date I have paid {$8600.00} on this car.     Some of my payments went towards interest only, see attached itemized photo of my charges. I was trying to get my credit up and they are doing nothing but bringing it down! I was told that i could change the payment date to the date i needed and then it was changed to a date that is not good for me so i tried to change it back to original date and they wont. I am now always 3 days behind since they refuse to change my payment date to the  XXXX  and from the  XXXX !!!! They charge a $  7+ charge a d aily in addition to your APR in addition not just a late fee and that accrues interest of course.       I had a late payment and was trying to give them a credit card for a future dated payment that is 3 days past the day they want it and they refuse to work with me. Calls daily threatening to reposes for a {$130.00} late payment. They are rude and unwilling to help even 2 years in my loan.     You do the math this place is meant to milk you and steal from you. I 'm sure if they let me get to the end of the loan they will just find a way to reposes! ALL THEY WILL DO IS SAY TRY AND GET REFINANCED.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC (NJ)

On XX/XX/XXXX I got into in accident on the pouring rain. I paid for my own rental out of pocket and still arguing with the rental place because they are also stating I owe more than what is really owed. I contacted XXXX several times to let them know I got into an accident and it was a total loss. From there I allowed the insurance and XXXX get acquainted so Funds would be dispersed correctly. ever since that day, I have been looking at the payment history and seeing that my payments are being rearranged and also that they are being backdated so I called in several times to see what exactly was the issue and I always get hung up on put on hold and the phone hung up on or a nasty Individual. Comparing what they sent to my credit, my insurance and me none of them match so then I called again and stated my concern and why I owed so much and why they are reporting one thing, but not the right thing I had a repo on my credit from the month, so they fix the closing or my my loan of the total loss it has been XXXX I just want this to be over with!! Also, the gap insurance processed my refund payment to them XXXX which they are now stating is not a payment from me which it is of it was my refund payment so i am now just trying to see why I owe so much if I even owe anything I also see that they changed my payment date again which is and would always be the XXXX of the month I guess so they can receive more money off of me by stating I owe late payments and completely get away from this scamming company Ps today XX/XX/XXXX I received a letter in the mail stating I owed XXXX knowing they is well past incorrect
Consumer complaint received 2016-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (IL)

Experian online dispute is a hoax and a deceptive and fraudulent practice in violation of the FDCPA and FCRA. They falsely state you can upload supporting documentation of a dispute up to XXXX mb black and white file. I have attempted to upload file size black and white XXXX of times no more than XXXX mb and it will not accept the files, I am computer capable, it is not my computer or my skills. The next step that Experian then fraudulently requires the consumer to do is to mail in the docs along with : social security card, driver 's license, utility bill, and it states that these items will be shared with creditors. The law is NOT that these items are necessary to file a dispute. They fraudulently do not accept online uploads so that they can collect this illegal data from consumers and then share this data with creditors. Please note : where is this world is it acceptable or SAFE to MAIL a copy of a driver 's license, social security card, and utility bill??????????????
Consumer complaint received 2020-10-19
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

About 3 weeks ago I was studying at a coffee shop and I got up to use the restroom. During this time I got my backpack stolen. Inside my bag I had my phone, my wallet, my debit card, my ID, my journal with various passwords and pin numbers, as well as my laptop, XXXX, and books for XXXX  XXXX. After this my phone and computer were used to make XXXX of unauthorized transactions. After dealing with Wells Fargo Fraud department, being sent a letter letting me know my charges would be credited back to my account, they then sent a new letter saying that no fraud was found on the account because the devices used to pay were under my name. This is true, however once the phone and laptop were stolen, everything was hacked, my messages, accounts, numbers, It was a nightmare. I want this money refunded becauuse on top of the money I lost it has cost me like XXXX $ to replace all that was stolen from me. I hope you can help get Wells Fargo to rightfully return the funds to my account so that I can pay my rent that is now 19 days past due