davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NC)

I first reported XXXX XXXX as a fraudulent set of fees totaling over XXXX to Barclay 's American Aviator MasterCard in XX/XX/XXXX. The charges were from XX/XX/XXXX and into XX/XX/XXXX and I believe backdated onto the card. Barclays said it was " a real company '' and denied the request to reimburse the funds to me. 
However, after filing with your agency, the President 's office was aware of the XXXX XXXX XXXX XXXX XXXX listed on the website XXXX and finally agreed to reimburse the XXXX and it was posted on my account on XX/XX/XXXX. 
From XX/XX/XXXX to XX/XX/XXXX and when reported 9 months ago, there has been 28 % interest added to these charges Barclays failed to reimburse until your company was involved. 
In addition, they say " policy '' will not allow that reimbursement to be used toward the TRUE balance that has always been minus XXXX. That policy only supports the credit cards when fraud is proven and NOT the consumer who did not regain interest and does not have the TRUE balance that has always been minus XXXX. I have left 3 messages for a call back that has not happened, waited on hold for a total of over 5 hours in 9 months, returned calls to President 's office where you can not reach the person who was helping you as the recording says, " President 's office not available '', continue to receive robocalls requesting a payment on my card that has XXXX credit on it. That policy is wrong at so many levels.
Consumer complaint received 2018-06-11
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (FL)

On XX/XX/2018 I made contact with the XXXX XXXX XXXX about this company, because an entry appeared on my credit report without any knowledge of the company or the amount of money owed. I requested a validation of debt from the company in writing and through the XXXX XXXX XXXX and MidWest Recovery assured they would honor the request and mark all three credit bureaus as account amount disputed. To date I have not receive anything in mail from MidWest regarding the debt owed and to my understanding 5 days after contact the company should honor by sending communication via US mail about the debt owed..
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (DC)

I am writing to dispute the following information that appears on my XXXX, XXXX, and Experian consumer reports : By the Fair Credit Reporting. Everything has to be 100 % accurate on my report. 

The Credit bureaus stated my account was adequately investigated, but how is that possible if the open date is inaccurate, the current address is inaccurate, the date last reported is inaccurate, the date of the last payment is inaccurate, and the account status is inaccurate? This is grounds for removal and my rights have been violated under 15U.S.C 1681 Section 602 A. Section I has the right to privacy.

15U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions. 

I have attached my credit report and marked the items. 

Items XXXX XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2021-02-10
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 — Investigation took more than 30 days
Company: State Cap Auto Finance, Inc (MA)

I was a co-signer for this loan because of loss of job the loan was unable to be paid so we surrendered the car to the dealer. Why is the loan still on my credit? The car was surrendered to the dealer because of loss of job, no money coming in it wasnt my fault! I would like the credit report to be taken off my credit? The car was surrendered!
Consumer complaint received 2020-07-13
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

I received a phone call from USAA collection representative discussing an overdrafted checking account at the beginning of XXXX. I informed the representative that due to covid-19 affecting our household, I would be delayed in handling this matter ; but would have the account balance in the positive prior to XX/XX/XXXX when the account would be charged off. On XX/XX/XXXX, {$100.00} was transferred to the checking account ; bringing it to a positive balance - fulfilling my obligation to not have the account closed on XX/XX/XXXX. Stop payment orders were also requested for future attempts of these charges - as I had corrected the billing information with those companies. On the morning of XX/XX/XXXX, the checking account showed a positive balance of {$0.00}, another attempt for the same charge ( which a stop payment order of future charges was already requested ) was processed at the end of the day, overdrafting the account in a separate incident. I was not notified of this, no attempt was made to recontact me via phone per the notes on the account written by the previous representative. On XX/XX/XXXX, I received a notice dated XX/XX/XXXX, which stated my checking account had been closed. USAA policy is that an account in an overdrafted or negative status for 41 days will be charged off. As my account was positive the morning of XX/XX/XXXX, when the account was closed on XX/XX/XXXX, only 7 days had passed. 

After filing a complaint with the XXXX, USAA purposely triggered the 6 day Answered Assumed timer on XX/XX/XXXX. They waited until XX/XX/XXXX to contact me to inform me they would take no action on this matter and make no attempt to resolve. 

I have not had access to the checking account to be able to verify any of the information they gave me and the corresponding account which triggered the NSF fee does not show an attempted payment on the day they sited. 

I had done my due diligence and had corrected the billing issue with XXXX XXXX, I had corrected the negative balance, to all objective observers agreement, to the exact specification that all available information told me - including the USAA representative who initiated the conversation on XX/XX/XXXX.
Consumer complaint received 2018-06-11
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: National Credit Adjusters, LLC (TX)

This company is being calling my brother, I told the to stop calling my relatives, or calling me during my job hours, they never stop, Today I asked the to call me after XXXXXXXX XXXX that I am off from work, and He answered me very rude, you should better answer my call.
Consumer complaint received 2019-05-13
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc. (CA)

I have a credit card with XXXX XXXX department store. My credit limit was {$2200.00} dollars with only one late payment reported on my credit history with the credit card. In XXXX, I received no mailer ( although they said that they mailed one ) that my credit limit was being decreased. The decrease was not due to my credit history with XXXX XXXX, but with a recent pull of my credit report. XXXX XXXX reduced my credit limit to just {$14.00} above my balance. This limit would be me over my new credit limit once the interest posts ( about $ XXXXmonth ) for the current month. When I called, the representative told me that the credit reporting agency determines the credit limit. After talking to a supervisor, they said that it was due to information received from the credit reporting agency. My issues and questions are as follows : 1. Why would XXXX XXXX pull my credit report again after establishing credit with them? 
2. They do not offer automatic payment options ( only one time early schedule ) which seems predatory because then they have a greater chance of missed payment and increased fees. 
3. Because they decided to decrease my limit, they have made it look like I have maxed out my credit limit ( which damages my credit ) when they actually decided to decrease it by {$800.00} in less than a week before statement cutoff time. Prior to the decrease, I used 59 % of my credit limit, after the decrease, I am 99 % of my credit limit.
Consumer complaint received 2019-05-13
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: FACTUAL DATA CORP. (RI)

My credit report shows an inquiry made by a company called Factual Data on XX/XX/2019. I never contacted this company and want to know how and why the ran my credit.
Consumer complaint received 2020-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I have several issues on my credit report. I am not sure what you need from me to correct this issues. I have attached a copy of my current and only address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX and my SS card. Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Please delete the following numbers they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I was never notified by this company of this debt in writing by law, therefore was never given the opportunity to dispute this debt that does not belong to me. 
1. XXXX, account ; XXXX, this account is not mine. 
2. XXXX, account ; XXXX, this account is not mine. 
3. XXXX, account ; XXXX, this account is not mine.
Consumer complaint received 2020-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I was a victim of Identity Theft, I submitted an ID THEFT AFFIDAVIT and POLICE REPORT in regards to the fraudulent accounts that have been listed in my name ... per Section 605B, these accounts should BE blocked and or removed during the investigation process, yet all 3 bureaus continue to report these items furthering the damage already done to my financial future. I have never filed for any type of Bankruptcy.
Consumer complaint received 2021-03-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Recovery Management (NJ)

I have written Fox Collection 2 times, dated XX/XX/2021 and XX/XX/2021. Fox has sent me nothing in the mail. I requested verification of an account, which is my right as a consumer. They violated this right. I looked to see if I could find a different address online, since I was using the one reported to my credit. Their website lacks such relevant information, this must be a violation as well, it's almost as though there is no right to dispute with these people. Please help me, they have caused me significant damage, both to my reputation and my time.
Consumer complaint received 2019-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (IL)

Okay, so every time I apply to job & the company runs a Background check it always come back inaccurate.The charges & criminal history is not mines, I have no criminal background.Me & this person so happen to have the same name unfortunately for me.I have called first advantage & filled multiple disputes and it continues to happen time after time after time.I Just want my name cleared cause this misunderstanding been costing me jobs.I would really appreciate it if I can talk to one of you to verify who I am.
Consumer complaint received 2020-06-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Beginning in 2019, Ive disputed the debt with the major credit bureaus, as well as XXXX XXXX XXXX  XXXX. I requested proof of validation. So far, none of them have been able to provide such proof to me. I have sent multiple follow-up letters to each of the companies, and there still is no proof. At this point, XXXX, XXXX  or TransUnion, no longer responds, or update the account. 

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates as evidence of my requests ( see enclosed ). Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed. Telephone Communications with XXXX, XXXX  and TransUnion claim to have verified the debt, but this is, in fact not true under law. Simply contacting the alleged creditor, and asking them to match up numbers in their database, or or using the E Oscar System to input codes is not sufficient verification.
Consumer complaint received 2020-06-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (OH)

On around XX/XX/2019, National Credit Adju placed a collection claim on my credit, for an alleged XXXX XXXX bill. I have received NO communication or proof of this bill prior to or since the credit inquiry from my credit report. I have received NO documents validating this owed amount. I have NOT received any validation of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ) and I am requesting the file to be immediately closed as it has no basis to be on my credit report. I do not currently have nor, have I ever had any business dealings with National Credit Adju and have not given them nor anyone affiliated with them authorization to view or obtain a copy of my Credit Report. I am requesting that my Name, Phone number, Email and any other personal information be removed from the National Credit Adju database and prohibit them from sell this debt off to yet, another collection agency. I have been advised by XXXX that my SS number as well as my phone number have been compromised. I have been advised to alert the SS department, alert the credit reporting agencies and place a freeze on my credit as well as file a police report. I've done all of these things. I will be seeking legal guidance and or pursuing legal action against both, National Credit Adj for the illegal purchase of this unverified/invalidated collection account.
Consumer complaint received 2017-03-18
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: First Data Corporation (CA)

On XX/XX/XXXX I was awarded FAFSA ( XX/XX/XXXX was awarded Federal Work Study ) from XX/XX/XXXX, but instead of sending me a check I have to either choose a service between either a " Wolverine Card '' or Direct Deposit service provided by a company called XXXX ( XXXX ; the company ) ; XXXX does not issue checks. XXXX, both on their website and at the financial aid office, has authorized this company to release of these funds by my only XXXX options. 

XXXX explained I should have receive the funds BY XX/XX/XXXX but within XXXX business days from time of award letter. I did not understand the statement so asked for clarity. She explain, by example, that if I had been awarded on the XX/XX/XXXX then they have XXXX business days to deposit the funds, but if I was awarded on the XX/XX/XXXX then I would have to wait until the XX/XX/XXXX of XX/XX/XXXX. 

It has been well over XXXX business days so I called XXXX at their toll free number. The customer rep informed me of XXXX things : XXXX Unless I get a card from them they will not release the funds 5 days AFTER the XX/XX/XXXX ; XXXX That from his screen he was only permitted to view my deposit information ( invasion of privacy to give reps display of bank account router and account number ) ; and XXXX and if I wanted my funds before the XX/XX/XXXX I need to get the card. This is extortion similar to the banking practices of XXXX
Consumer complaint received 2023-07-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (IL)

I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I have been in contact with all three major credit bureaus to request " CREDIT FREEZE/ FRAUD? SECURITY ALERTS '' BE REMOVED ; Ive submitted this request verbally, in writing my mail/fax ; and more than 60 days later no one has processed the request what did happen in the course of me trying to get alerts/freezes removed they removed a positive/ open account. I have has a mortgage with XXXX XXXX opened XX/XX/1998 paid every month on time ; never late as agreed and the account was removed an error. Contacted to bureaus to request re-insert again nothing has happen ; my mortgage company has also requested reinsert of account and it seems like the bureaus are blocking the reporting of item however they will not remove freeze or invalid reporting collection from XXXX XXXX. At this time I would like to re-request " REMOVAL of CREDIT FREEZES/ FRAUD/ SECURITY ALERTS AND XXXX XXXX '' and " RE-INSERT OF XXXX XXXX MORTGAGE ''. Supporting documentation is attached.
Consumer complaint received 2018-06-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO. (MA)

I applied for a chase sapphire reserve credit card but CHASE said that they couldn't verify my Social Security and my information, but they could create a hard inquiry, so I think there was an error in their system. I called them and I said, why couldn't you verify my Social Security when you could create a hard inquiry and they respond sorry we couldn't get your information. So please I want to remove the hard inquiry because this is affecting my credit score. 

CHASE CARD XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Consumer complaint received 2022-12-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (MS)

I cancelled phone service with XXXX XXXX on XX/XX/XXXX and the account was closed. I received a letter dated XX/XX/XXXX stating that they had not received payment for {$140.00}. I paid the amount of {$140.00} on XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter from Convergent Outsourcing , Inc. dated XX/XX/XXXX regarding Account # XXXX in reference to XXXX XXXX  account # XXXX. They are asking for {$140.00} and giving me to XX/XX/XXXX to dispute the letter. The full amount owed to XXXX XXXX  was PAID IN FULL and this IS NOT a debt.
Consumer complaint received 2021-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

XXXX responded to Experian that the data information is accurate and it's not. I paid and settlers this account in XXXX of 2021, and XXXX is reporting a balance of {$2000.00}. I was advised by XXXX XXXX that if I settled this account it would be deleted and reported to XXXX as paid. I contacted XXXX XX/XX/XXXX 2021they said it also showed a {$0.00} balance on there account but yet they reported today that the information was correct. I am closing on my home and I need this account updated immediately because this information is inaccurately showing on my credit report.
Consumer complaint received 2019-05-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

We fell behind on our car payments and explained to lienholder, Santander, rather than just getting current on the payments, we would pay off the loan in total on XX/XX/2014. And we did. 

Las year we discovered Santander reported to XXXX our account had a remaining balance of {$4400.00} that was " charged off as bad debt ''. Our account with Santander was NOT written off ; it was PAID off, in full. Santander did not have to write off any bad debt on our account we paid every penny owed. 

We have contacted Santander but it refuses to correct the misinformation reported, making it appear as though they had to write off over {$4400.00} as " bad debt '', hurting out credit.
Consumer complaint received 2017-12-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (KY)

I am repaying a loan from navient that i didnt get .They say i did but i have never been to a university, or college. They say this was back in 1983 I dont know the name of the school that i was supposed to of went to.Anyway they put me on payment plans they said in 5 years it would be forgiven but now they say it will be forgiven in 25 years.Why should i keep going threw this hassle when i didnt go to this school. I called them and ask them what school i went to and they couldnt tell me. please help me