davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (PA)

Never received notice to dispute. Midland Funding placed this negative item on my credit reports without notifying me. This is an violation of the early-warning notice clause of FACTA act Section 623 ( A ) ( 7 ). This law requires all creditors and collectors to notify me by mail before placing negative items on my credit reports.
Consumer complaint received 2021-10-12
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/ I sent a letter regarding inaccurate and unknown items on my credit report. On this day XX/XX/XXXX  90 days letter I have not received a response yet. I feel as I'm being take advantage of and being ignored of my disputes. Section 611 ( a ), it plainly says that a failure to investigate these items with in the 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted Promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you have cause me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2021-08-20
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (NY)

PayPal has charged me 4 months worth of late fees even though my account was closed. My only charges were late fees as I rarely used it for purchases. I paid one last late fee in XXXX, but the next month 's late fee was assessed and a 4 months of {$40.00} late fees and {$2.00} interest charges were assessed since then. SO I am essentially paying late fees on top of late fees. There are no debts to vendors. I have told hem this is punitive but they keep contacting me. At most I have 1 final month of late fee owed - posted after I thought I closed my account. They refuse to be reasonable. 

One representative said I was unable to close the account because it was associated with XXXX. That made little sense.
Consumer complaint received 2023-04-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: United Revenue Corporation (TX)

I sent the credit bureaus a verification letter about some collections that appear on my credit reports. They never reply back to me but I did notice that they took action and they erase debt on some credit bureaus reports and the debt is still in others. 15 U.S.C. 1681s-2 ( A ) ( 1 ) Says : 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. 


Accounts : United Revenue Corp / XXXX / XXXX Balance / Date : XX/XX/XXXX United Revenue Corp XXXX XXXX / XXXX Balance / Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX / XXXX Balance / Date : XX/XX/XXXX There's Also some debt that stills shows up on my XXXX report that I would like for you guys to check cause they don't show in my other credit reports. It is hard to provide info about this ones cause they don't show name orita dates.
Consumer complaint received 2017-12-15
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Secured Resolutions, LLC (NY)

The company secure resolutions keeps call my cell phone and has called my work numerous times on XXXX/XXXX/XXXX. They are saying I owe a medical debt which I do not. They would not stop calling even my work even after there number was blocked. They would just call another extension of a different employee and ask for me. I do not owe this debt and I am being harassed by this company.
Consumer complaint received 2023-03-25
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: Resurgent Capital Services L.P. (AL)

LVNV Funding LLC is in violation of The Fair Debt Collection Practices Act i have written a letter to LVNV Funding disputing the alleged debt and they have not responded at all and they still continue to report some alleged debt to the credit reporting agencies. They have not validated the debt or responded to my dispute.
Consumer complaint received 2022-06-09
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: JPMORGAN CHASE & CO. (LA)

" I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the XXXX major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
"
Consumer complaint received 2022-02-19
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION (GA)

I consumer entered into a consumer credit transaction with Navy Federal Credit Union on XX/XX/18. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. Navy Federal charged me a finance charge of {$11000.00}. Navy Federal Credit Union is also in violation of 15 USC 1643 in which my credit card ( SSN ) was used in which monthly payments of {$600.00} is being paid monthly when its suppose to be paid off being that consumer used his open-end credit plan. Banks can not loan money according to 12 USC 1431. Navy Federal credit Union used my credit card ( SSN ) to apply for a loan in my name fraudulently.
Consumer complaint received 2019-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (MA)

in XX/XX/2016 my landlord XXXX XXXX sold his 2 family townhouse to XXXX XXXX. He informed me that she was going to keep me as a tenant because he told her I was a good tenant and would speak with me about resigning with her. When she came to speak with me she told me he gave me the wrong information and that she would need me to leave. I told her I did not have first, last and security to move and I would work on getting the money and would be back in touch with her, Within a few weeks she had sent me paperwork for an eviction hearing in Mid XX/XX/2016.. This was nothing I did wrong and is making me look like I am a bad tenant which I was not. I am trying to find a new home and am being denied everywhere I go because of this being put on my credit report. I would really appreciate it you considered removing this off my credit report.
Consumer complaint received 2019-03-10
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: CITIBANK, N.A. ()

I started a dispute with Citibank in XX/XX/2018 regarding a charge for a move from XXXX to XXXX. The moving company, XXXX XXXX XXXX, failed to provide services related to the move, failed to provide logistics for the move, failed to get my goods through customs appropriately causing thousands in additional port fees, damaged over 25 % of my goods ( $ 52,000+ in damages ), and damaged both homes in XXXX and XXXX in excess of {$10000.00}. 

Following the complaint to Citi, they did not send a request for documentation to my postal address for the claim. I phoned them after a month to ask what was needed. They told me over the phone to send in any communication with the company which I did. They said they had previously sent an email requesting the information, which I confirmed I did not receive. Over the phone the agent confirmed it was still okay and to email preliminary documentation, which I did that evening. The agent send they would post any requests for additional documentation or email. 

A week or two passed and I did not hear back. I was then told via email the dispute was resolved. I phoned in and asked how it was resolved as I had never been asked specific information or to sign any letter or affidavit. They promised to reopen the claim and said they would contact me with a specific document request within 7-10 days. The request never came through so I phoned again. I was told the same story to wait 7-10 days. Again nothing. This has since repeated multiple times with the case being closed without any information and then reopened but no information requested. 

Once again this evening another 7 day window had passed. I was told that the case had never in fact been reopened in XX/XX/XXXXor twice in XX/XX/XXXX as they had previously claimed. In fact I was told Citi never referred the case to MasterCard as they had told me previously, had not contacted myself or the merchant for information. 

As a result I am out of pocket {$23000.00} because Citi has  never in fact processed my dispute, nor communicated what information they needed despite my contact them multiple times asking what to send. 



The charge was : Date Amount Description XX/XX/2018 {$23000.00} XXXX XXXX XXXX CA There have been hundreds of pages of emails, photos, phone records, etc. that pertain to this case. To help summarise, please refer to attached invoices and excel spreadsheet summary of the dispute. 

I am happy to provide any further information needed. 

Citi like the disputed mover XXXX XXXX XXXX, have not been looking of for my best interests despite both being my vendors which I pay a premium for their services. In fact I was charged 4.65 % for the use of my Citi card which I did to get billing dispute protection. Unfortunately Citi did not provide that service.
Consumer complaint received 2020-12-02
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: EQUIFAX, INC. (WI)

The items were removed by XXXX  I check my credit for accuracy and XXXX had place the accounts back on my profile at a later date.
Consumer complaint received 2017-12-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL (CA)

I had been using XXXX for purchases and as a seller for many years. I have a bank account connected with the company, where deductions for purchases and deposits for sales occur automatically. 
When I was making a purchase, ( XXXX, 2017 ) an ad for XXXX XXXX came up. It offered free delivery. I decided to click on the ad to see if the service would be beneficial. I made a {$13.00} purchase. I never received the item. Instead, I received an email that said there was no safe place to leave the package. This was a blatant lie. # 1 I was home all day. # 2 I lived in the country, had a secure porch, and # 3 before I had XXXX XXXX, XXXX delivered literally dozens of packages to my porch. I canceled the service. 
I assumed I would be charged and refunded to my normal bank account. I did n't give it another thought. 
Recently, I was contacted by " XXXX XXXX, '' telling me that I had an outstanding debt and that fees and late charges were being applied. I told them I never heard of them. 
I never applied for an account with that bank and never signed anything indicating I wanted a new credit card. I also told them I never received a card in the mail. They said they would mail one. I told them I would rather they cancel whatever this account was and leave me alone. The harassing calls continue, and now I receiving paper bills in the mail. I never received a bill for the XXXX purchase ( which I never received ). 
They refuse to leave me alone.
Consumer complaint received 2023-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

I was XXXX  on XX/XX/2016 and was XXXX XXXX XXXX XXXX XXXX XXXX. I had become aware that my credit card account had been closed and a charge-off reported to the credit bureau XXXX I reached out to the company to inform them i was currently XXXX  and didn't give anyone permission to use my card. They requested information that i provided and now they are giving me the run around.
Consumer complaint received 2017-12-14
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC (AZ)

I am writing this letter to dispute the denial which we received on XX/XX/XXXX to our recent request for termination of PMI. The reason on the denial letter from our mortgage company was  “Ditech has obtained a valuation showing the value of the property securing the mortgage has declined below its original value.”According to the appraisal report requested through the Ditech process, the appraiser report values our property  at XXXX. The purchase price of our property XX/XX/XXXX was at XXXX which was the appraisal value at the time.  This is an increase in value and not a decrease in value.Our current loan amount as of XXXX XXXX is XXXX  which gives us the loan to value to warrant the cancellation of our PMI. Our request is to have the PMI cancelled as requested through the Ditech process. Please review . Thank you!
Consumer complaint received 2020-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (NY)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2020-11-17
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. (TX)

I am victim of identity and this issue is never ending as I continue to have fraudulent accounts opened in my name. I have contacted the credit bureaus, and creditors and this is just becoming a daily occurrence of trying to rectify the identity theft issues that are happening on a daily basis. Especially, since I continue to submit documentation to the credit bureaus and I have had no response The fraudulent accounts that are currently reporting are listed on the attached identity theft report along with the fraudulent and unauthorized inquiries. I have attached an FTC Identity Theft report and I am currently awaiting the police report.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (CA)

We have made several attempts with Ann Taylor to correct the inaccurate information on our credit report. Account was paid in full and close XX/XX/2020. However, Ann Taylor has shown not only a balance of around {$600.00} with late payments after the account was paid in full and close. Moreover, Ann Taylor has charged off the account and sold our supposed debt to another collection agency. We have made numerous calls to Ann Taylor trying to resolve this issue without results. Throughout the history of this account we made our payment on time and still and Taylor reported inaccurately and would constantly call us requesting payment on an account that was current. This is the reason why we ended up closing the account in 2020. We have also disputed this with the credit agencies but still the derogatory remarks remain. We are not at the point of seeking legal action against Ann Taylor!
Consumer complaint received 2020-12-02
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. (IL)

Hello, I am reaching out to you because I have sent in disputes to each of the credit bureaus concerning them incorrectly reporting information about me. There are a multitude of accounts that are incorrect or dont even belong to me. It has been 60 days and still no reply, My letters have been not only been faxed, but also uploaded and mail. Yet and still nothing. I am fully aware that we are in the middle of a global pandemic but 60 days and no responses is unacceptable. At this point not only am I being ignored but the credit bureaus are taking advantage of an already difficult situation. If they do not have the manpower to process these requests they should not be reporting. It is quite unfair that as a consumer Im being dragged along.
Consumer complaint received 2019-03-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (ME)

I have faithfully been making payments on time since the day my loans were in repayment. Suddenly today ( XX/XX/XXXX ) when I access my online account to get tax documentation for my accountant I shockingly saw a letter threatening loan defaulting and negative reporting to creditors over an overdue {$5.00} interest payment from XX/XX/XXXX that I WAS NEVER NOTIFIED ABOUT!! I have even called to speak with XXXX about questions I had should I change employers and whether or not I'd still qualify for PSLF if I did between now and XX/XX/XXXX and no one could mention to me about this {$5.00} overdue payment?? What's the point of XXXX having my contact information if they don't call, email or write any letter or warn me in any way of what is going on??!! I'm horrified and want the issue resolved. Since discovering this today, I went ahead and scheduled to pay the monthly balance on monday XX/XX/XXXX since payments aren't accepted on weekends and today is Saturday. On XX/XX/XXXX, I hope this can all be resolved and I do not want anything negatively reported to any creditor and if it has been since XX/XX/XXXX I want it removed and taken back. I plan to file a negative credit dispute with them and will take this to my state attorney general for further support and for XXXX to take accountability of their improper management and neglectfulness on communication.
Consumer complaint received 2020-12-02
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 (CA)

I called American Express customer service on XX/XX/2020 for an inquiry of product change from American Express everyday preferred credit card to American Express everyday credit card. In that phone call, I double confirmed with the customer service person named XXXX that after I do this product change, nothing will happen to my existing membership reward points. Besides, I also asked her if there is any documented record from American Express that can be used as a proof. The customer service, XXXX confirmed that the phone call would be recorded as the proof. By confirming these two points mentioned above that my membership reward points would not be taken away, I decided to make the credit card product change from American Express everyday preferred credit card to American Express everyday credit card. However, on XX/XX/XXXX, American Express did a point adjustment of XXXX points to my account. I believe either AMEX membership reward system or AMEX trained professional customer service person made the mistake that leads to deducting my membership point from my account. In this case, I tried my best to confirm with the professions from AMEX on the concerns I had. Therefore, I think I shouldn't pay the penalty and AMEX should give XXXX points back to me.