davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (VA)

I had a credit card with XXXXXXXX XXXX XXXX and my limit was {$400.00} on that card and you can't go over that limit, ever. Well, XXXX XXXX hired a law firm of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to collect the debt. I paid it off last year, {$400.00}. They were trying to get me pay almost {$700.00} for this debt and we agreed upon {$480.00}. So I paid them {$400.00} which was all I could do. Well, now they filed suit against me again at XXXX Court and filed a Garnishment Summons along with XXXXXXXX XXXX, which I no longer have an account with them. This is the fourth time they are trying to harass me and threaten me with court and now garnishment for another {$430.00} when I only owe {$82.00}, however, I feel I paid it off in full, I only owed XXXX XXXX/XXXX XXXX {$400.00} EVEN. I am unemployed and told them that, I'm XXXX and I told them that, I'm not making any money and haven't filed taxes in years due to not making anything. I have tried to work it out with them and here they come again threatening me with a garnishment suit and now making false allegations and saying I now owe {$430.00}, this is a false amount and this has to be illegal. I suffer from XXXX and now they are causing me XXXX XXXX  and I can't take this anymore. I need help!! I filed a letter with them and the court explaining everything and yesterday they sent another legal form from the court with hearing date and I need this to stop and stop them from trying to ruin me and causing me major XXXX XXXX and setting off my XXXX. HELP!!!!
Consumer complaint received 2017-06-22
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: STATE FARM BANK, FSB (NH)

On XXXX XXXX 2017 I made an online payment from XXXX XXXX XXXX to pay my mortgage to State Farm Bank, the payment never got applied. I called State Farm at least 10 times about the payment, every time I called them there was a different story. At one point as rep said they found the money in the cash reserve and that State Farm was going to apply the money to my mortgage the following month. I did not realize the payment never got deposited until I got a late payment letter in the mail. I called State Farm and they told me that they never had the money that the money was deposited in XXXX XXXX. I called my bank to see if we could stop payment but the check was already deposited. I called XXXX XXXX to see if they had the money, they said they have no record of ever having it deposited. I called my bank and they told me I needed State Farm Bank to sign and affidavit. I went to my local agent since State Farm is not a brick and mortar. After a few weeks my agent said State Farm refuses the sign. I called my bank ( XXXX XXXX ) and they said they can not do anything until we get that affidavit signed I have a hard copy of the check written out to State Farm Bank and the back of the check stating it was deposited by XXXX XXXX. I am at wits end and frankly want my money back.
Consumer complaint received 2017-04-13
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MI)

For the last 3 years, i thought i was on an income based repayment, but when i redid my paperwork last week, i found out i was on an income sensitive forbearance. I was never informed that i was on a forbearance and even though i made payments for the last 3 years, they didnt qualify toward the 25 year ontime forgiveness. I now have to start from scratch at repayment. I have navient as a provider and now that im on an income based repayment, i will still be paying for at least another 25 years.
Consumer complaint received 2017-04-13
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Automated Accounts Management Services (CA)

This company continues to send me collection letters and keep trying to collect on a debt that is not mine. I was covered under my parents insurance so i have no idea where they keep coming up with information even after i 've tried to dispute directly with them.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (FL)

I opened a Bon ton credit card and made a purchase in XXXX 2016. I did not receive a bill to the items I purchased. I got a call in XXXX 2016 and paid for the items. I settled the account and advised I would no longer be using the card. I continued to receive Robo calls 10+ a  week. Again, contacted Bon-Ton who referred me to Comenity bank. I have gotten no where with them. They continued to add late fees on top of late fees totaling {$210.00} even though the complete balance of {$72.00} as paid in full for the items I purchased. They are threatening and harassing. They continue to call me even after I have told them to stop on many occasions.
Consumer complaint received 2017-06-22
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: EQUIFAX, INC. (AL)

Good Afternoon, On XX/XX/XXXX I spoke to an Equifax representative via phone and explained that there were several unrecognizable inquiries on my credit report and needed to discuss getting them removed. The representative was very rude and refused to help. <P/>On XX/XX/XXXX I decided to fax a letter to Equifax in regards to inquires on my credit report that are unrecognizable. Equifax sent a generic letter stating the inquires were " factual record of file access '' with not intent to assist me with the related inquiries below : XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX I understand that credit bureaus are powerful corporations, but it is unfair for me as a consumer to suffer from a result of their negligence. I 'm interested in purchasing my first home in a shirt period of time, and I 'm pleading for your help to clear up this matter.
Consumer complaint received 2021-01-31
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

I noticed an unusual charge on my Capital One statement. I contacted Capital One to resolve the issue. They extended a credit for the amount then simply reapplied the charge without notice or incident. I attempted to rectify the situation further only to be transferred 4 different times, each time having to explain what was going on. Fraud department refused to change the charge and said that there is absolutely no way it could be fraud even though the charge was at a business over an hour away from me ( in an area I would not go for any reason ) and something I would not patronize. So much for their " customer protection ''. 

Beware of using ANY of their services.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (FL)

Hello, I have a credit card with Barclays Bank ending in XXXX. I changed address in XX/XX/XXXX and I didn't receive my statements in the mail plus I had no internet access. As a result said company marked myXX/XX/XXXX and XX/XX/XXXX payment history as 30-Days late.
Consumer complaint received 2017-06-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: ALLY FINANCIAL INC. (TX)

On XXXX XXXX, I went to XXXX XXXX XXXX in XXXX to lease a car. They use ALLY bank for the leases. Ally says the can not lease du to information on my credit report that Ally got from a company called XXXX. I contact XXXX to get a copy but no one ever answers their phone ( XXXX ) or returns a phone call if you leave a message. I contacted Ally and since they have no employees who can speak English they kept transferring me around. 4 transfers and no one who can answer a question about credit reporting.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

In XX/XX/XXXX we went to seek help to save our home thru a modification with an organization called XXXX. My husband and I were told this was a NON-PROFIT organization but as we discovered, it was far from Non-profit. We were asked to pay {$1000.00} to {$1500.00} a month and did so for the next 2 years. We never received our modification and our home is scheduled for foreclosure on XX/XX/XXXX. This is a Wells Fargo Loan and we told them we were victims of FRAUD, they stated they did not get involved with 3rd parties. We are currently in for a modification but struggling to see a good result as now the bank has scheduled a foreclosure and says we are still under review for a modification. I was under the understanding that a foreclosure could not be initiated if you were in for a modification, but that appears to not be the case.Please note : within my attached documents ( document scan # 3 ) is an authorization to please contact XXXX  XXXX with any correspondence and she can be reached at XXXX or via email : XXXX
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.
Consumer complaint received 2024-09-12
Product: Credit reporting 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. (TX)

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Consumer complaint received 2017-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Hello, I am writing to request your assistance regarding an issue with my student loans, because my student loan servicer has improperly and inexplicably increased the principal balance of my loans by {$660.00} between my XXXX and XXXX, 2017 bills. My loan servicer is PHEAA who has been completely useless is resolving the issue with my loans.
<P/>
I am currently on the REPAYE repayment plan, where the monthly payment is calculated as a percentage of income. If the monthly payment does not cover all of the interest that accrued during that month, 50 % of the unpaid interest is cancelled and the other 50 % is added to an unpaid interest balance ( listed as " Outstanding Interest '' on my loan statements ), which does not accrue more interest. Regardless of the monthly payment amount, the principal balance of my loans should not increase.
<P/>
I am attaching my monthly billing statements from XXXX through XX/XX/XXXX. I consider the XXXX through XXXX statements to be " correct, '' however on the XXXX statement the principal balance on my loans inexplicably increased by {$660.00}. From the time I enrolled in the REPAYE payment plan in XX/XX/XXXX through XX/XX/XXXX, the principal balance of my loans stayed constant at {$130000.00} ( listed as the " Current Balance '' ), however on my XX/XX/XXXXbilling statement the principal balance of my loans inexplicably increased to {$130000.00}, an unexplained and improper increase of {$660.00}.
<P/>
Because I am on the REPAYE plan the principal balance should not be increasing. In addition to increasing the principal balance by {$660.00} that I do not and should not owe, the increased principal balance will accrue additional interest and this error will substantially increase the amount of interest over the life of the loan.
<P/>
PHEAA has absolutely refused to fix this error, and their general attitude seems to be that a {$600.00} error is too small for them to worry about. They further insinuate that because I am on the REPAYE plan, the entire balance will eventually be cancelled and therefore I should n't worry about it. However, my income may increase substantially in the next few years and I may pay off the loan early, so I would like the balance of my loan to be correct and not be improperly inflated by bogus accounting errors.
Consumer complaint received 2024-03-23
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (GA)

XXXX XXXXXXXX account with a yearly {$100.00} membership fee ( account ending in XXXX ) I attempted to close XX/XX/XXXX. I was told to pay the yearly fee and then ask for a refund when the account was closed. I refused. They offered to convert the account to a non yearly membership fee account and remove the {$100.00}. I agreed ( acct # XXXX ). Since XX/XX/XXXX I have had 8 separate conversations attempting to resolve the matter. XX/XX/XXXX Citibank attempted to extract payment from a checking account I closed in early XXXX. Then Citibank charged me for a returned check fee On this same credit card account Ive been attempting to close since XX/XX/XXXX!! I have never activated this credit card. Please help me before they report to credit bureau. This must be considered predatory and harassment.
Consumer complaint received 2024-03-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Certegy Holdings, LLC (MN)

I am a victim of identity theft. The following inquiries and outstanding items currently listed and showing on my Certegy Consumer File Disclosure Report Tracking Number:XXXX, is fraudulent, unauthorized and is the result of identity theft : XX/XX/XXXX, Enrollment Target XXXX and XX/XX/XXXX, Check Payment, Check Number : XXXX, {$270.00}, Target. The inquiry and outstanding items is fraudulent, unauthorized and not my inquiry or outstanding item. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : XXXX
Consumer complaint received 2023-01-27
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. (WI)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2015-06-11
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: TRANSWORLD SYSTEMS INC (SC)

The debt collector sued me in local court and obtained a judgement lien which has been placed on my home. This home is the only property I own. A notice was given to me informing me of the suit being initiated against me. Within my state of SC, the statute of limitation for filing a judgement on a non-federal student loan is 3 years. My understanding was that the court would not grant the lien because the statute of limitation had expired so I did not respond. However, the local court did grant the lien. I later found that I had to present my case regarding statute of limitation in court. My question is, Is it legal for a debt collector to seek a judgement claim even though the statute of limitation for doing so expired? 

Does this fall in the category of unfair or abusive debt collection practice?
Consumer complaint received 2022-09-08
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXXXXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX Balance {$1500.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$6100.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$3400.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9600.00}, XXXX XXXX Date opened XX/XX/XXXX Balance {$9000.00}, XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$3100.00}, and XXXX XXXX Date opened XX/XX/XXXX Balance {$420.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with XXXX XXXX accuracy that each account is XXXX XXXX true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Consumer complaint received 2017-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

I have sent certified letters to Experian in reguards to the collections agencies XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX, and XXXX. Theses certified letters were sent XXXX XXXX or XXXX sometime and Experian has failed to provide me with the requested validation of these debts. In my letter then I stated the following. - This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. - to date I have not recieved anything validating the debts and they have stated that they verified with the companies that the debts are mines but not one company has validated themselves either. I spoke to several different people with XXXX in particular who have confirmed with me that the ssn they have attached to their accounts do not belong to me yet they continue to update my credit report with Experian If information I have no paperwork on confirming the debt belongs to me. In speaking with representatives at Experian I have explained to them that XXXX already confirmed with me a social that is not mines. Yet the continue to damage my credit and hinder me from obtaining credit that I would otherwise be able to get without their negligent verifications. I have enclosed a screen shot of the accounts that have not been validated. I am requesting removal of all invalidated collections accounts or I will seek a civil lawsuit.