davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (DE)

XXXX/XXXX XXXX XXXX BALANCE {$6400.00} this was a fraud account opened and disputed back XX/XX/2016 this was removed from my credit reports by XXXX as fraud and now it was added back to my credit reports. I disputed the validity of this debt and account on XX/XX/2016 as fraud
Consumer complaint received 2018-01-25
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. (FL)

I have sent 2 letters by certified mail, return receipt to Experian. The first letter was dated XX/XX/XXXX return receipt # XXXX, requesting for the method of verification they used to determine the items being reported on my credit report were mine. Experian received and accepted my letter through registered mail datedXX/XX/XXXX To date I have not received a response. A second letter sent dated XX/XX/XXXXreturn receipt # XXXX, stating notice of intent to file a complaint with the FTC and CFPB was received and accepted by Experian dated XX/XX/XXXX To date I have not received a response.
Consumer complaint received 2018-01-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (CA)

I was approached online by the University I was assured by School Admit., If I were deemed by the state to be XXXX I would not be held liable for school. I kept up on all correspondence immediately upon receiving it forward it, over, and over, to Nelnet, then XXXX and spoke to many representatives, faxed information, and still I see the funds accruing. I was faced head on by my husband XXXX XXXX XXXX with my niece, in my own home, who was also attending school and I left my job to care for her baby girl, at the time she was XXXX with my husband became XXXX. I was forced out of the home, subsequently homeless, staying place to place, in my car ... I would have never attended the school if I wasn't assured & promised by the School, knowingly already applied for Social Security XXXX when they enrolled me at the school, I was told that I would not be held liable to pay for it if I was approved to receive Social Security, my earnings would be cut by 2/3. I am sick, frustrated, cant get a job, cant afford to get into my own home, cant afford an attorney to finish divorce. I am beyond words. HELP ME PLEASE!
Consumer complaint received 2018-01-28
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (AR)

My father XXXX XXXX XXXX XXXX in 2014. We did not settle his estate through probate. His surviving spouse has been living in the home that my sister and I shouldve inherited 2/3 of. The wife isnt on the deed or mortgage. 
The bank, XXXX XXXX, foreclosed on and sold the house through statutory foreclosure. 
The only person they notified of the foreclosure was the spouse. 
The bank did not try to settle the debt with estate. The only person they contacted was the spouse. She is not the executor of estate nor is she the representative.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I filed for bankruptcy in XX/XX/. In XX/XX/7, I received a letter from XXXX stating that they were transferring my mortgage to XXXX XXXX XXXX XXXX  effective XX/XX/XXXX. I made multiple attempts to obtain a reaffirmation agreement from XXXX prior to the transfer and was denied due to the transfer. I did receive a reaffirmation agreement from XXXX XXXX XXXX XXXX  which was signed, submitted and approved prior to the discharge of my bankruptcy. The date to rescind this agreement expired over a month ago, therefore, this is a valid and enforceable reaffirmation of my mortgage loan. My mortgage payments have always been made on time prior to, during and after the bankruptcy. XXXX, however, refuses to acknowledge they transferred my account and are listed it on my credit reports as included in the bankruptcy causing this account to reflect negatively on my report.
Consumer complaint received 2017-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Hello I dont know exactly how it happened but my credit report dropped almost XXXX points as of this month as the XXXX data breach happened and I cant find out why it happened from the company. Please help me put a fraud alert on the company.
Consumer complaint received 2018-01-25
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: Midwest Recovery Systems (CA)

Midwest Recovery System put a debt collection on my credit report without contacting me about the debt first. The debt on my report is not mine, and I disputed it, and they put it back on my record. This record should not be on my credit report. 

I also believe they are calling my place of employment pretending to be somebody else.
Consumer complaint received 2018-01-25
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. (MO)

I am requesting that the following accounts and inquiries be removed from my credit report immediately. These accounts do not belong to me and I did not authorize the follow inquires/creditors to obtain a copy of my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported :XX/XX/XXXX {$7600.00} Good XXXX Last reported : XX/XX/XXXX {$990.00} Good XXXXNeeds Attention Last reported : XX/XX/XXXX {$780.00} 30-59 Days Late XXXXNeeds Attention Last reported : XX/XX/XXXX {$670.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$560.00} 30-59 Days Late XXXXNeeds Attention Last reported : XX/XX/XXXX {$540.00} 30-59 Days Late XXXX XXXXNeeds Attention Last reported : XX/XX/XXXX {$450.00} 30-59 Days Late XXXX XXXX Last reported : XX/XX/XXXX {$280.00} Good XXXX Last reported : XX/XX/XXXX {$240.00} Good XXXX Last reported : XX/XX/XXXX Other Loans : OTHER LOANS XXXX XXXX XXXX Last reported : XX/XX/XXXX {$8400.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$7200.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$6000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$5300.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4500.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$4300.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3100.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2200.00} Good XXXX XXXX Last reported : XX/XX/XXXX XXXX XXXX View All Accounts Previous Next Details Account # XXXX Original Creditor - Company Sold - Account Type Lease Date Opened XX/XX/XXXX Account Status Open Payment Status Past due 60 days Status Updated XX/XX/XXXX Usage - Balance {$5200.00} Balance Updated XX/XX/XXXX Original Balance {$5300.00} Monthly Payment {$160.00} Past Due Amount {$520.00} Highest Balance - Terms 32 Months Responsibility Individual {$2000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX {$2000.00} Good XXXX XXXX XXXX Last reported : XX/XX/XXXX Closed Account : XXXX XXXX {$140.00} Credit inquires : XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Personal Loans Cos. 
XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A. (WA)

I had a private student loan with Citibank, which has been a problem for years. After being told it was placed in deferment while I was in grad school, I later found out that I was not eligible for a deferment after months of not bills, phone calls or any contact from the company to inform that the account had been marked as delinquent and turned over to collections. I worked out a payment plan with the collection agency and later settled the debt. I have l letter stating that the debt has been settled but Citibank continues to report that my account is past due. This has affected my credit to the point that I am unable to buy a car or get approved for a mortgage. I need this fixed immediately or I will seek legal action and ask for damages. I have disputed this with credit agencies who insist that Citibank is correct in showing that I owe them money. I have attached a letter from the collection agency stating that this account has been settled and the collection agency confirmed this information with Citibank. This is the fourth time I have had to file a complaint against Citibank concerning this matter and their inability to do due diligence and report accurate information and honor their word.
Consumer complaint received 2023-03-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (FL)

On XX/XX/2023 I received a letter from a Debt Collector agency under the name of Amsher Collection Services Inc. ( XXXX. # XXXX ) trying to collect a debt that I disputed in writing on XX/XX/2023. By that date no report have been made to the main credit bureus agencies until today XX/XX/2023. Amsher Collection Services have been advise in writing that Im disputing this debt withing 30 days they must to obtain a verification of the debt and any attempt to collect any debt without validating it violates the FDCPA and they did it as an act of bad faith reporting inacurrate information due they reported after receining my dispute. Also, I ask for their licensed to collect debts in the State of Florida but as today, i never recived any answer from them.

their client is XXXX  which allegates equipment wasnt returned after I close an account with them. I sent them a copy of the shipping label from XXXX that they printed out for me in their store.
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

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 original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively 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 2017-10-04
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TOYOTA MOTOR CREDIT CORPORATION (AR)

I am being severally harassed XXXX times a day by Toyota financial on my car payment once it hits past due even before the 10 days. I have told them months ago that I would have to pay late due to financial hardship and was working on getting back on track and would never be 30 days late. Every month since I get repeated calls daily I have talked to 4 reps since and told them stop calling me and that I will, and or have scheduled the payment and what date I would pay. I just got off phone after calling Toyota today because they called me from an XXXX are code Illinois number at XXXX in the morning after my payment already processed in my bank and taken out money. Then I tell them not to call again and they call me right back after I told them I was recording the phone call. Also have a recorded conversation from the last guy who was very disrespectful. This company is relentless and causing me severe stress after I have explained my situation and my reason and when I would pay and they do n't care. I feel they have violated the FDCPA repeatedly. My picture screen shots show harassment even after payed and not even late. This is XXXX pages from just month of XXXX. Does n't count every single month my phone ca n't hold that much harassment
Consumer complaint received 2022-01-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have been a customer of Capital One for a year, I currently have the Platinum Credit Card ending in XXXX. Per Capital One guidelines it stated that after 6 months of positive payment history I would be granted an increase. I have tried 4 times to increase my limit and Capital One has declined all 4 times. I have been a loyal customer for a year. I am very unhappy with the services I have received from Capital One.
Consumer complaint received 2018-01-28
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Financial Systems, Inc. (NY)

COMNWLTH FIN XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Reported onXX/XX/XXXX {$930.00} Reported on XX/XX/XXXX {$1300.00} Am a XXXX   at a XXXX XXXX XXXX XXXX XXXX NY I have full XXXX XXXX prescription cards no copays doctor visits free eye vision plus dental. 

Impossible no clue what this account about is a ( FRAUD ) I have been with XXXX XXXX XXXX XXXX   Building my credit XXXX Only account I have and working on paying is account with a negative status, pay-status is XXXX XXXX XXXX  for {$330.00}
Consumer complaint received 2018-01-28
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Kashia Services (CA)

On XX/XX/XXXX, {$97.00} was deducted from my account. This is the normal amount. I received an email on XX/XX/XXXX, indicating my bank rejected the payment. I sent an email to XXXX to inform them that my payment did not fail. Even included a copy of my bank statement. Email was responded to by saying they needed more info. I provided info via email and phone. Was told they are using a new payment system call back Friday. Today, XX/XX/XXXX I received a email saying payment still not credited. I called immediately afterwards. They are closed. I sent an additional email and bank statements again. And told them this is fraud on their part :
Consumer complaint received 2018-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Bank of America NA closed this account in XX/XX/XXXX. It was first reported delinquent in XX/XX/XXXX. On XX/XX/XXXX I sent them a letter certified XXXX XXXX XXXX XXXX XXXX which was confirmed received. 

The letter was written because not only do the continue to report an account that has been closed for 8 years, they actually reported a credit limit increase on this closed account! 

These errors are adversely impacting my credit rating. They never responded to this letter and when I called them they had no record of receiving the letter..
Consumer complaint received 2022-01-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MO)

I have been contacting the credit bureaus and companies for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this credit card thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need the bureaus to take this complaint seriously and delete the fraudulent item from my credit report.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (DC)

on X/XX/17 my husband and I both tried to freeze our credit reports after Equifax ' security breach. Despite repeated attempts and being force to enter our SSN 's, we got this message : System Currently Unavailable - Error 500 We 're sorry. We can not process your security freeze request online at this time. Please try back later. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you.
Consumer complaint received 2018-01-28
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SMITH, ROUCHON & ASSOCIATES, INC. (ID)

We moved. I notified all companies that I owed balances to that we were moving. A bill for {$57.00} was sent to collections and sent to all credit bureaus without my knowledge. As soon as I became aware that I had a balance ( which I was not made aware of before I moved ) I paid the balance in full. The payment was made XX/XX/XXXX. I have requested in excess of 25 times that the collection agency report to all credit bureaus that the account was paid in full. They have yet to do so. I have submitted documentation, including a copy from my bank of the check that cleared paying the balance in full, to all credit bureaus. I spoke to the collection agency again on XX/XX/XXXX asking for them to please report this account has been paid in full. For some reason they will not report this account having a XXXX balance. I need this handled asap.
Consumer complaint received 2018-01-28
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

On XX/XX/2017 my savings account was debited in the amount of {$6000.00} by Bank of America at the request of third party not authorized to do so by me or any court of law and was an illegal theft of my funds.
Consumer complaint received 2018-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (VA)

American Express sent an email to apply for the Delta sky Miles credit card after spending {$2000.00} I would receive XXXX Delta Sky miles and a {$50.00} statement credit. I completed the minimum spend in XXXX and have not received the bonus.
Consumer complaint received 2018-06-06
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (IL)

I purchased a lease through XXXX and paid off the lease before the end of my lease in full. I decided to turn the lease into XXXX early considering it was paid off in full and I was charged an early termination of the lease in an excessive amount of $ XXXX and now show a balance saying I owe an additional amount of {$480.00}. I feel this is not fair considering the lease was paid off and i had a credit balance of over 5k when the lease was returned and XXXX charged my account this excessive early lease termination on a lease that was paid in full and I feel, I should not have been charged that amount
Consumer complaint received 2018-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (PA)

there is no clear explanation on how the payments applied. I have {$2.00} daily interest, so if yo multiply that amount on day in month, i should not be charged more that {$70.00} per month in interest. I make my payments every month, never skip a one. however, if I make additional payment ( hoping they would apply it towards principle ) they always apply the biggest portion towards interest even though it was already satisfied by monthly payment. every time I call customer service, nobody can give me an explanation on how the payments allocated and why. they just say : " this is how the Department of Education wants us to apply payments ''. This is wrong. I graduated in 2015 with XXXX in student loan. I have been making payments for 3 years, every month + additional payments sometimes and I am still on XXXX and my principle amount keeps going up and up each month. this is wrong.
Consumer complaint received 2018-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Atlantic Recovery Solutions LLC (IL)

Hello, Someone named XXXX XXXX & XXXX XXXX, from a company called Atlantic Recovery Solutions has been calling me, my husband, my sons, and they even called my XXXX mother 's house and asked for her trying to collect a debt that I know nothing about. I have not received any documentation from them. I don't know who they represent. XXXX XXXX has even impersonated being an attorney. They have left several messages on my phone, my family 's and friend 's phones. They have told my family and friends that I owe them money and that their calls were an attempt to collect a debt. They've even repeated the last four digits of my SS # number to my husband and son. They've had a machine ( Robo ) call us too. The number that shows on my caller ID is XXXX but their actual number is XXXX. They are harassing us and I don't even know who they are. I have several dates and messages saved on my phone. I want them to stop calling us. My mother XXXX away a few years ago. We are still mourning her XXXX. To call her house and to ask for her, in an attempt to collect a debt that is not hers, is deplorable and they should not be giving anyone my SS #. These people are out of control.
Consumer complaint received 2017-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT BUREAU OF NAPA COUNTY, INC. (CA)

Instance 1 Account name CHASE RECEIVABLES Account number XXXX Recent balance {$210.00} as of XX/XX/XXXX Date opened XX/XX/XXXXStatus Collection account. {$210.00} past due as of XX/XX/XXXX. 


In dispute XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor CHASE RECEIVABLES Type Collection Terms 1 Months On record until XX/XX/XXXX Credit limit or original amount {$210.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual