davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: TRANSWORLD SYSTEMS INC (FL)

I was a student and was not given the opportunity to a fair payment plan. At the time I was forced to have my parents wages garnished even though they were a co-signer and never once gave me a payment plan. I was currently in school full time. I was told the only option I had was to have my parents wages garnished even thought it was my loan and I was working and wanted my wages garnished because the payment I could afford. I never even received any communication that they were my true lender. I was not provided any documentation that this company truly owned my loan. To this day I go on their website and its nothing but a portal to make a payment. My parent was forced into signing wage garnish documents and all contact was harassment via telephone. The documents wer the XXXX XXXX XXXX XXXX XXXX XXXX a Delaware statutory trust.
Consumer complaint received 2021-02-28
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I am not in debt. Portfoliorecovery continues to call me once or twice daily. I have asked them to take me off their list but calls continue. I block the call number but they call using different numbers, sometimes within my area code but also across the US. This is harassment!! Again, I am not in debt!
Consumer complaint received 2020-07-15
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: First Investors Servicing Corporation, Atlanta, GA Branch (CA)

I requested XXXX to match me with lenders. This should be done based on my credit profile, instead my credit report was shot gunned which resulted in numerous inquiries. I did not authorize any of this.
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have a loan with KOHLS/CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and KOHLS/CAPITAL ONE with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2018-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST NATIONAL BANK OF OMAHA (GA)

I am a XXXX hurricane disaster victim that has struggled to get back to normal since XXXX. I will be charged a late fee of {$37.00} on my credit card at the closing of my billing cycle, which is XX/XX/XXXX. I was not aware that First National Bank of Omaha ( XXXX XXXX  XXXX ) strictly required a payment to be paid via central time on my due date referencing my credit card. I have taken immediate steps to eliminate the problem via starting to pay my credit card bill online with a scheduled payment, but the banks website does not update immediately for me to perform this simple action that is a hindrance. Therefore, I would like to respectfully request an adjustment of {$74.00} be returned to my credit card and ask that First National Bank of Omaha ( XXXX XXXX  XXXX ) credit card department try to understand that a disaster does cause people to have struggles in life that are natural in occurrence and I am most certainly not just simply a customer that do not pay their bills on time. 

I also set-up auto pay to eliminate any further late fees, which took 30 days to set-up by First National Bank of Omaha ( XXXX XXXX  XXXX ), and my account incurred an additional late fee of {$37.00}, simply shocking! The customer service agent said I was read a disclaimer which I did not completely understand because the agent spoke in English and not XXXX, meaning some things I understood and some I did not. 

My GOD, where is the humanity here? There are some moments in time ( disaster victims ) need help beyond the norm, especially when First National Bank of Omaha ( XXXX XXXX XXXX ) know that disaster victims do not have any control over a natural occurrence of nature and the disasters made headline news. All of my creditors worked with me, but I have concluded that First National Bank of Omaha ( XXXX XXXX XXXX ) is " HEARTLESS. ''
Consumer complaint received 2022-09-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

Company is still allowing in inaccurate information on report. Allowing a balance to be shown on charge off account, Equifax is dropping my score for the following reason on the website, serious Delinquency, past due balance on this account that they are allowing to be posted on my account. This is a violation of law allowing inaccurate information. Showing a complete investigation on the site but no information as to the outcome. How do I have a balance on a charge off account??
Consumer complaint received 2022-01-06
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: FIRST NATIONAL BANK OF OMAHA (NE)

Someone opened an account and made XXXX separate deposits : XXXX, XXXX, XXXX in this account with my name, address and ss #. I called First National Bank of Omaha and had them close this checking account. 

I have registered my information with XXXX and no one should be able to open a bank account because I have locked down my personal information.
Consumer complaint received 2020-04-28
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: JPMORGAN CHASE & CO. (OR)

I have been disputing and going back and forth with Chase 's Amazon Visa card service for a few months now. I contacted the company to alert them of a charge in the amount of {$1000.00}. I made them aware that my identity was stolen and that I am a victim of the XXXX  Data Breach. I have sent emails which include a copy of my identity theft filed by the Federal Trade Commission and they still continue to state that the debt is mine. I am not disputing any other transaction on my account, only the one that I didn't make. This charge is a result of identity theft. Someone used my account to purchase tickets in my name through an airline called XXXX  XXXX XXXX. I have never heard of this airline and have never flown with them. I am simply taking measures to get the transaction removed from my account. Please make the adjustment and residual fees on my account accordingly.
Consumer complaint received 2021-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (VA)

On XX/XX/XXXX, I sent a letter disputing an account on my credit report. The account was XXXX XXXX  account # XXXX. I explained to Equifax that the credit history for XXXX was incomplete. I told them specifically that the months of XXXX through XXXX and XXXX through XXXX of XXXX were not reporting a status. I received the results of that investigation a few weeks later, and Equifax only updated information that was already correct on my credit file. However, Equifax ignored my initial complaint that the credit history was incomplete for those months mentioned previously. I spoke with a representative at Equifax named XXXX, and he said that we only report what XXXX XXXX  sends Equifax. I feel that Equifax violated my rights under FCRA15 code 1681 ( i ) which states : Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
The Fair Credit Reporting Act is clear on what the responsibilities of the consumer reporting agencies are, when a consumer like me has disputed inaccurate and incomplete information. I have attached the following documents, a copy of the dispute letter to Equifax, the results of my dispute with Equifax dated XX/XX/XXXX, a copy of free annual credit report showing that Equifax is reporting this to other credit agenies, and a copy of my Equifax credit report dated XX/XX/XXXX. These items that I have provided should show that Equifax did not do a reasonable investigation, but merely parroted what XXXX XXXX  communicated to them.
Consumer complaint received 2018-06-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC. (FL)

never received papers that i was being sued never received summons never knew was sued by XXXX XXXX XXXX says summons was delevered to wife XXXX XXXX was not living with XXXX XXXX at that time was not living at address where delevered all papers were returned that mailed never delevered XXXX XXXX  got a Judgement against me and Garnished my bank account for everything I had in I cant pay rent or buy food for my family did not know about this at all the Judgement was from 2010 never knew I was being sued by XXXX XXXX XXXX I dont even know who XXXX XXXX XXXX is Never knew there was a Judgement against me Please help me
Consumer complaint received 2023-09-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (AL)

I was a XXXX XXXX XXXX customer I ended my relationship with XXXX on XXXX of XXXX I was told over the phone after I paid the rest of my balance that I did not owe any money then they wanted me to pay the whole premium for the next 6 months I declined and decided to go with another insurance company but again my balance on that call was paid in full. I received a letter of XX/XX/XXXX about a payment owed and they would cancel my policy which I assumed was in error as my policy was already canceled back in XXXX and I owed no money. After the 2nd letter I decided to email XXXX because I was confused because I didnt owe any money they said it was a payment from XXXX of XXXX. Which was odd since it was a year later since I made that payment and again my policy was paid satisfactory at the end of the premium. I would like to have it on record that I do not owe the money as I had paid the amount. After on email telling them that I was not going to pay another dime towards their company as it was already paid and not to contact me again the company sent it to the credit company credit collection services. I received a letter today regarding it and they threatened to send it to my credit report after I had informed the person of this situation in attempt to dispute it. I also wrote a letter to dispute it as I do not owe the money they are referring to. The reference number is XXXX their phone number is XXXX XXXX XXXX address to creditor is XXXX XXXX XXXX XXXXXXXX XXXX XXXX Their email is XXXX I would again thank your for your time looking into the matter.
Consumer complaint received 2022-01-06
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Key 2 Recovery, Inc. (OH)

I enrolled at XXXX University using federal funds and scholarships. I was XXXX assaulted and withdrew from school. I let the university know what had occurred and I could no longer start the semester. I received a bill from KEY 2 RECOVERY INC stating that I owe a balance of XXXX. I called the University and the collector to get this resolved but no one could assist me. No one sent the bill on how I could owe this. I also received a notice from my student loan servicer from XXXX showing the loan was taken out. I have not had any explanation as to why I owe when I withdrew from the courses in a timely fashion and it shows up as a student loan on my credit report. The only notice I continue to receive is a notice saying that I owe a balance. I have disputed this account with the credit bureaus with no course of action.
Consumer complaint received 2020-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Palm Beach Credit Adjustors, Inc (FL)

In response to CFPB : XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ) To Whom It May Concern, RE : Focus Financial, attention to XXXX XXXX Collection Manager Direct Line : XXXX Fax : XXXX Under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA your company refused to do anything that I requested. I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question.

Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no prooofs to offer to support a dispute, and thus your asserton in the form of a polcie report is being used to obtain blockage, not contest the accuracy of its repor tin Stating that you have reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods Respond As a victim of identity theft ( meaning Identity theft is a crime in which an imposter obtains key pieces of personal information, such as Social Security or driver 's license numbers, in order to impersonate someone else ) I have provided relevant information about my Identity Theft Report. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ). Such notification by a CRA triggers two obligations for the furnisher. First, under FCRA section 623 ( a ) ( 6 ) ( A ), you must not allowed the furnisher may not continue to report that information to any CRA. FCRA 623 ( a ) ( 6 ) ( A ), 15 U.S.C. 1681s- 2 ( a ) ( 6 ) ( A ). Second, under FCRA section 615 ( f ), it may not sell or transfer that debt to anyone else who would try to collect it. FCRA 615 ( f ), 15 U.S.C. 1681m ( f ) .As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed [ or request another specific change ] to correct the information. You have no way to ascertain the legitimacy of my action without investigating the items in question XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2021-10-05
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. (IL)

This complaint is against XXXX XXXX XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Consumer complaint received 2021-02-28
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: EQUIFAX, INC. (PA)

FRAUDULENT APPLICATIONS HAVE BEEN SUBMITTED IN MY NAME & MY IDENTITY HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULETLY OBTAIN GOODS AND SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc. (AZ)

XXXX : I found a XXXX Gift Card in my XXXX XXXX XXXX ( XXXX XXXX ) things. The person who purchased the card had written {$150.00} on the cardholder ( it was unopened and unused ) I called XXXX ( XXXX XXXX ) to confirm the amount. I was told because my son was deceased I had to send them my authorization to use it. No problem. I sent them the court docs ( along with my ID ) which gave me the authority to act as XXXX Representative for my son 's estate. They told me it would be XXXX - XXXX weeks before they reactivated the card. 
XX/XX/XXXX : They could not find my file but when they did they told me it would be XXXX XXXX XXXX days and I would receive an email saying everything was clear XX/XX/XXXX : They told me it would be XXXX XXXX XXXX days and I would hear. They also told me to email customer service at XXXX XXXX and they would take care of it. 
XX/XX/XXXX : I emailed XXXX XXXX with no response XXXX : XXXX I emailed XXXX XXXX with no response Case # XXXX Last XXXX or the Gift Card : XXXX Exp. XX/XX/27 XX/XX/XXXX : No response from anyone I will call them again today. I do not anticipate any results. I am tired of the run-around. 
XX/XX/XXXX : Now they say they do not have any of the required information and I need to start over. Here is what I received : ( which was done and verified as complete in XXXX ) To continue with the process we recommend to mail the next information at Customer Service XXXX. XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

- XXXX XXXX indicating the caller 's relationship to the deceased cardholder and why they are requesting the refund check - An original certified copy of the death certificate of the registered cardholder - A certified copy of letters testamentary or power of attorney, indicating the person is authorized to act on behalf of the estate of the deceased cardholder
Consumer complaint received 2018-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been dealing with XXXX XXXX  for a while now trying to get them to remove all these cards that were opened in my name.And this specific one keep increasing months after my credit report say it was closed and they are ruining my credit.If this isnt resolved i will have my boss take legal actions. XXXX keep increasing late fees that i do not owe and I didnt authorized the account to be open from the start. I want the account closed properly and removed from my report
Consumer complaint received 2018-06-16
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. (OH)

I received a statement of credit denial from XXXX XXXX XXXX XXXX Ohio office stating I was denied a pay day loan for which I never applied for. The statement also says that I was denied due to " credit product not available '' I called the phone XXXX. They said they would forward my name, phone, and email address and check into it. I get an email back stating that the account??? Was opened with your personal information. They also want me to fill out a more detailed report with even more personal information and have it witnessed by law enforcement. Of course this is a voluntary report. I used to work at XXXX XXXX XXXX corporate office in the accounting Dept. Years ago. I know what a pay day loan is., I also know scams but the paperwork is very professional. Should I be worried, also someone could be pretending to be from XXXX XXXX XXXX to  gain information. Help!!!!!