davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (OK)

I scheduled a {$2000.00} payment to be made on XX/XX/year>. It was not processed on that day and continues to accrue interest on the amount scheduled to be payed while the payment is processed and on weekend days when you can not make payments and they are also not processed.
Consumer complaint received 2024-02-26
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (GA)

An account with XXXX popped up on my credit report a few days ago stating it was opened XX/XX/2023 and it states that I owe {$1700.00}. I just recently joined with XXXX in XXXX, there is no way that collection belongs to me.
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. 
Company Inquiries : XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE (NC)

On XX/XX/XXXX I called in to Barclays to pay off my credit card $ XXXX. I explained to the agent that I would like to have the account paid in full and for the account to be closed and for that information to be relayed to XXXX, XXXX XXXX, and XXXX. The rep placed me on hold and came back with the payoff. I gave her my financial information and she thanked me for my business and explained that she would handle every thing on her end to close the account and to notify the credit bureaus. 

3 weeks go by and I received notice that the account was past due. I called Barclays to find out why and was advised that the rep from XX/XX/XXXX may not have given the correct payoff and that they recognized that it was their error and that they would be reversing the last amount on the account and as a precaution contacting the bureaus to advise that I was not past due and the account was paid in full and in good standing. 

Another few weeks go by and I received another notice of delinquency. The previous rep did not do anything that they said they were going to do. So the new rep got a manager on the phone and she apologized and said that she would have to escalate it to a different department and I would be getting a call back in around 2 weeks. I never received a call and a few weeks later received another collections notice. 

I called to Barclays again and a rep explained to me that he saw the notes in the system that the account was being handled and that it takes 1-2 billing cycles for the update to take affect and he ensured me that there would be and had not been any adverse reporting to the credit bureaus. 

Fast forward to this past weekend and I receive another notice of collections from Barclays for {$60.00} and now I received notice from XXXX XXXX and XXXX that my scores have dropped by over XXXX points. Barclays is reporting the account delinquent and my credit is adversely being effected. Barclays is completely inept and can not do their jobs, and DO NOT do their jobs. This has gone round and round and round and today the situation is going back into " review '' for which I'm supposed to wait 2 weeks to hear from someone. I am supposed to be purchasing a new vehicle this week and my credit score will determine what interest rate I qualify for. I may end up paying thousands and thousands in additional interest as a result of Barclays ineptitude and unwillingness to correct their errors. 

Please help!
Consumer complaint received 2024-02-28
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (MD)

On [ XX/XX/2020 ], I received a notification from a debt collection agency informing me that my outstanding balance with Nissan had been sold to them. I was shocked and deeply disappointed to learn about this development, I immediately contacted the debt collection agency to inquire about the nature of the debt and was provided with limited information. Despite my repeated requests for clarification and documentation regarding the debt, I have yet to receive any concrete evidence that I owe the amount in question. 

I find it extremely concerning that Nissan would sell my debt to a third-party without any prior notice or explanation. As a valued customer, I believe that I am entitled to transparency and fair treatment in all my dealings with your company. The lack of communication and accountability in this matter is unacceptable and has caused me undue stress and XXXX.
Consumer complaint received 2024-02-28
Product: Credit 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: BARCLAYS BANK DELAWARE (IL)

I used my Wyndham Rewards Visa to make two purchases for online reservations and had used it another time before these charges but I did not make more than {$350.00} ( U.S. currency ) value of charges with this card and I paid off the balance within XXXX months. Since that time sometime last fall XXXX or XX/XX/year>, the company in charge of issuing credit, Barclays, of Delaware claims I have not made a payment and that there is a different balance on my credit account than XXXX.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Prosper Marketplace, Inc. (GA)

PROSPER MARKETPLACE IS ILLEGALLY REPORTING DEBT WITHOUT VALIDATION OR PROOF OF HOW LATE ACCOUNTS WAS VALIDATED. 

PROSPER MARKETPLACE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT:XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our XXXXredit score. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the late debt. Statements are hearsay in the court of law. 
Who did you speak to? 
License number? 

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report. 
Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc. (TX)

So I called to see if the debt was mine with Pro Collect. I tried to ask for everything over the phone because its a debt collection company its not the original creditor. The lady told me if I didnt pay my credit would count i he to clash. I asked for 1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.

I have yet to receive anything in the mail.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Karma (TN)

I don't even know where to begin. But there are over 50 hard inquiries on my credit report ( XXXX ) I also have payday loans contacting me telling me I owe money. I can't even access credit karma anymore. Nor IRS.gov or XXXX XXXX will not upload my id. I am owed stimulus money still, owed tax returns and my credit dropped XXXX points in XXXX. It's clearly some type of identity theft. A mess. Please help XXXX or leave message with sister XXXX XXXX at XXXX if u can't reach me. Email XXXX XXXX
Consumer complaint received 2020-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (OH)

SECOND REQUEST I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete names variations that are not accurate, addresses that I never resided and may possibly be relatives address, and employers that are not accurate. 

My name is : XXXX XXXX - DOB : XXXX - SS # : XXXX All other name variations are not accurate : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX My current and only address is : XXXX XXXX XXXX, XXXX XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX, XXXX, GA 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 XXXX OH XXXX My current telephone number is : XXXX - All other phone number are not accurate. Please REMOVE/DELETE these phone numbers IMMEDIATELY : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX My current employer is : SELF EMPLOYED - All other employers are not accurate. Please REMOVE/DELETE these employers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-05-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc. (GA)

I have sent over 3 letters to National Credit Systems, asking them to verify the debt they say I owe and advised them the original creditor has already removed their reporting of the debt off of my credit due to bill being fictitious and made up by a property manager who was upset that we made a complaint against her with the corporate office. After investigating our claims of this manager not repairing things in a timely manner and refusing to move our family in a new unit after a neighbors unit caught on fire and partially burn down ours, they fired her but it came after we had already moved out. The company keeps sending me a copy of my lease with the original creditor in which I have with a made up bill from that property manager with her name on the bill. There was no furniture left in the unit and nor were we evicted from the property, and all keys to the unit and mail box was turned in to management. This reporting on my credit is preventing me from obtaining a pre approval letter for a home loan and damaging my credit worthiness. The fire happened on XXXX XXXX, 2013 at night while we were away from the home. We were called to get as much out as possible and my family was placed in a hotel for a couple of days and not allowed back in for over a week. I moved out on XXXX XXXX, 2013 due to their property manager stating she did not have another unit to put my family in but she allowed our neighbors to move into another unit who stayed on the other side of the burned down unit. My youngest son has XXXX and the smell of the smoke was too intense and our townhome was no longer suitable for living in. I advised corporate after moving what happened and was told I would not owe them anything and they apologize for the actions of their employee. 

In the end there was no eviction and there was no bills left unpaid. I have attempted to call National Credit Systems and asked them for the President or CEO name and I get hung up on, I have been forwarded to supervisors voicemail with no return call. So Im to the point where I want to report this collection company and possibly need to report XXXX of the reporting agencies for ignoring my requests to have this information deleted off of my credit. 

Its my understanding that they can not report anything that have been properly verified according to law. National Credit Systems Inc, employees are rude and when you are an informed consumer they prefer not to talk to you. I was told just like " I do not know you I do not know who the CEO or President is of our company we have XXXX account. '' This is what XXXX . XXXX XXXX told me earlier today and he forward me to a XXXX XXXX voicemail after asking to speak with a supervisor. When I called back to see if I can speak to a supervisor on duty I was told no one was available. 

My account number with this company is XXXX.
Consumer complaint received 2016-05-26
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (TX)

I have already disputed this mark against my credit to XXXX XXXX on the XXXX XXXX website, and it 's been closed. I would like it to be closed with XXXX as well, how do I do this? My credit score is being negatively affected due to fraud and I feel this is an unfair practice as I said XXXX credit reporting agency already removed this. 
Thank you, XXXX XXXX
Consumer complaint received 2016-07-25
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United PanAm Financial Corp. (CA)

since XX/XX/XXXX i have submitted a higher monthly payment that my monthly payment due and requested that the difference be applied to the full principle amount that would leave me with an even amount due the loan company continues to apply interest dispite my requests. i have spoken to XXXX quote un-quote mangers who stated that would remove the interest amount.
Consumer complaint received 2024-02-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc. (NC)

I have a mortgage loan with Rushmore Servicing for a XXXX in XXXX. I notice in XXXX of XXXX that they had made XXXX payment to an XXXX company out of my XXXX  account to XXXX XXXX XXXX. The payment were made on XX/XX/XXXX for XXXX and XX/XX/XXXX for XXXX. XXXX XXXX XXXX is NOT my XXXX company and never has been! I called and was told to wait and it would get taken care of- well it wasn't. After XXXX calls and it being escalated XXXX- this is what they are saying. The address on the XXXX XXXX was the address of the XXXX XXXX  my XXXX is, but there wasn't a XXXX XXXX on it and the name was different. But they paid it out of my account anyway. After their review they are saying they followed their " policy and procedures '' so they haven't refunded the amount back into my account. This is causing me to have an approximately XXXX increase in my mortgage payment. Plus my actual XXXX company - XXXX XXXX-premium is coming due in XXXX and there isn't any money in my XXXX  to pay it - because they PAID SOMEONE ELSES XXXX with my money!
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 — Account status incorrect
Company: EQUIFAX, INC. (PA)

I had services completed at XXXX in XXXX PA in XX/XX/XXXX. Due to them updating their billing system which lingered, I didn't receive a billing statement from them until mid to late XXXX. When I received my bill it was for an incorrect amount which lead to me waiting another 6 months or so to get an updated bill. I received a bill in XX/XX/XXXX or XX/XX/XXXX and paid that statement in XX/XX/XXXX. I was reported to XXXX XXXX XXXX in XXXX XXXX PA due to the payment passing in the mail with the debt reporting. When I received my first collection notice in XX/XX/XXXX from XXXX I called XXXX to see why I was reported when I paid. They said they'd make the collection services aware that I paid. They never did. I received another collection notice in XX/XX/XXXX which ultimately lead to a hit on my credit report even though I paid back in XXXX. I was denied a loan because of this and my credit score plummeted by 80 points. I disputed with Equifax and they denied my claim stating the information is correct and I owe money. I called XXXX several times and XXXX regarding this matter and they act like I'm in the wrong and just say 'sorry ' when I bring it to their attention. I paid in XXXX and the collection service was never notified which is what should have been done.
Consumer complaint received 2020-06-25
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: PNC Bank N.A. (WV)

I can not connect my PNC checking account to services like XXXX, XXXX, XXXX XXXX, XXXX, or any service alike. I contacted the companies, and they said it was on PNC 's side, which isn't surprising. The only service I can connect to is XXXX, but I should be able to have the freedom to use MY money how I want to.
Consumer complaint received 2024-04-29
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

On XX/XX/year> A family friend was using my account to make a personal transaction online with a online seller, they told them to send {$30.00} through paypal and then they would send them the product. Unfortunately they did not receive the product and they continued to ask for more money and information through unauthorized websites. The money sent was un consensual by me and passwords were saved and unfortunately used without my knowledge or permission. I contacted paypal today on XX/XX/XXXX for XXXX payments that were not intended. Due to the fact that the payment was processed by the family and friends option there was no way paypal could get enough evidence to support said claim. The only payment that was authorized intentionally was one payment i made to a seller after changing my password and information.
Consumer complaint received 2024-04-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Adler Wallach & Associates, Inc. (FL)

This debt was fraudulent and I requested information many times and they refused. I received many threatening phone calls and they wont stop. 
I have tried to dispute it online but get no response. After looking up a specific law " 15 usc 1692c ( c ) '' I believe this should be removed from my credit report as they have not responded to requests.
Consumer complaint received 2024-04-26
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: GENTRY FINANCE CORPORATION (UT)

Gentry Finance has been calling me to get a hold of an employee. The employee gave Gentry my cell phone and work number which they were not supposed to do and have been calling repeatedly. I have asked Gentry to stop calling my number and every few days I have gotten calls from them. This needs to stop as I am not involved in any of these problems that they are having. I do not want to be called repeatedly and neither do they need to keep harassing the business that she works at.
Consumer complaint received 2024-03-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC (NY)

A few years ago, my car was robbed ( XXXX XXXX between XXXX and XXXX XXXX, XXXX ). I reported it to the XXXX XXXX XXXX XXXX. My XXXX and XXXX were both stolen, along with an unused XXXX XXXX XXXX  XXXX Milestone Master card. XXXX XXXX XXXX has called repeatedly. I have shared this information each time and they say they will investigate. They continue to call incessantly. Yesterday ( XX/XX/24 ), they implied that a lawsuit was in process. After pushing the issue, they admitted no legal action has been taken. It was simply a tactic to intimidate. They are claiming a debt of {$770.00} ns continue to report to the credit bureau.
Consumer complaint received 2024-03-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (NC)

i took a look at my credit report and noticed there was a collection on there that did not belong to me and i called the collection agency and asked for them to validate it belongs to me and they could not provide me any proof and Pursuant to 18 USC 8, I owe no debt, this company violating my consumer right to privacy pursuant to 15 USC 1681 b 2. company has also no permission to report anything using my info pursuant to 15 USC 1681 4.
Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC. (FL)

I called to customer service to open a debit card dispute and is impossible to speak with someone, I dont have SSN so the automatd system gets crazy requesting that information. 
There is no way to bypass that request. 

On XX/XX/2024 I tried to get money from an ATM, I tried 3 times to get {$20000.00} but the ATM machin didnt give the money, just made noice like counting the money but didnt get out, the fourth transaction for the same amount the ATM gave the money {$20000.00}. 
So I need to dispute 3 transactions ATM withdraw {$20000.00} each one. 
Only one of those 4 was approved and given.