davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (TX)

I found out yesterday morning that this company was tryin to sue me for a alleged debt. And possible jail time!! I have never received any letters or anything!! Also, XXXX XXXX is leaving threatening voicemails!! And later on yesterday afternoon tht same company called my brother tht i haven't spoken too in 8 yrs & threatened to come by his house to locate me!! I have no idea how they got his information. The first file i uploaded is the voicemail the company left my brother yesterday. The second file is the voicemail they left me today.
Consumer complaint received 2019-04-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (WA)

I have had my student loans with Nelnet for 12 years now. After dealing with them over the last decade I can confidently say the Nelnet uses predatory practices to take advantage of vulnerable students. I graduated in 2011, in the middle of a recession when jobs were scarce. It was impossible to talk to anyone at Nelnet regarding my payment options. I tried calling on multiple occasions and was never able to talk to anyone human. The robot that talks to you actually hung up on me a majority of the time. When I went online I had been locked out of my account and was told to call the number that repeatedly hung up on me. Not once did I ever have anyone walk me through my repayment options when I was actively asking. After all my effort, the only contact I received from Nelnet was a bill in the mail. When I was able to finally take care of my repayment options I was told that forbearance was my only option. I never had anyone mention other repayment plans or options that I had. In fact, when I got my forbearance it was entirely with a robotic automated message. I'll repeat that in case it didn't sink in. They put a forbearance on my loans without me ever talking to a real person! It has been 12 years and I still have never spoken with real person from Nelnet, the bills still keep on coming though.
Consumer complaint received 2021-08-27
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: CITIBANK, N.A. (GA)

It looks as though a Citi Bank card was taken out in my name and never paid for. Account was opened XX/XX/2019 and closed on XX/XX/2019. I have no knowledge of this account and would like it removed from my credit report. Please help me. I am a newly single mother of XXXX kids and it is hindering me from doing a lot for my family.
Consumer complaint received 2022-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting and XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A.States I have the right to privacy 15 U.S.C 1681 section 604 Section2 : It also a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2021-10-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I had knowledge of this debt by checking my credit report, I disputed the information and explained that it is an account that was opened fraudulently, because this account is not mine, they sent documents saying that if it is mine, obviously account statements and documents of That guy, I told them that it proved absolutely nothing, and they did not delete this account from my credit reports, as a consequence this has harmed my life, I request that this account be eliminated because I have never had an account in XXXX
Consumer complaint received 2021-03-21
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. (GA)

Recently, I filed for an Auto Loan and I came across discrepancies on my credit report and my credit score. According to the report, I have a total of 8 accounts on my credit file when I have a total of 6. Secondly, I have XXXX XXXX as a satisfied account for my credit and my balance is in good standings. Thirdly, XXXX XXXX should not have screened my credit multiple times when they initially had ran my information on file to share with there sister branches through XXXX. Furthermore, I contacted XXXX XXXX  XXXX about my ambulance bill from XX/XX/2018. They have submitted a payment request last month on the XXXX of XXXX to my insurance and told me they will remove this off my credit once satisfied from pending claim. Lastly, my credit score shouldn't be so drastically different from all bureaus.
Consumer complaint received 2021-03-13
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: M&T BANK CORPORATION (DE)

M & T Bank reported 30+ days late for my XX/XX/2021 RV Payment. I mailed the payment in XXXX and they did not credit the payment until XXXX. I have a copy of the check. The post mark on the envelope should evidence when I mailed it. I filed a dispute with XXXX. Rather than correct the problem, M & T bank also marked XX/XX/2021 as 30+ late. In reality I am paid through XXXX at this point due to receiving a paying multiple late notices from M & T bank that were inaccurate. I filled a new dispute and the XX/XX/2021 late payment has been removed but M & T bank is refusing to remove the late XXXX payment which is also inaccurate as I mailed it in XXXX. Please help!
Consumer complaint received 2021-10-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (GA)

On XXXX I received a notification from ERC, a debt collection company. They violated my right to privacy ( 15 USC 1681a ( 4 ) when they received my location information from XXXX XXXX regarding an account that was opened as a result of identity theft. ERC further violated 15 USC 1692e by demanding payment for an alleged debt in a positive status and violated 15 USC 1692b by stating an alleged debt was owed.
Consumer complaint received 2021-03-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP (CA)

Im a full tome student with a XXXX XXXX XXXX at home and needed a quick fix to get some studies done and decided to buy a cat. Did some quick looking at animal shelters online and for XXXX  cats since they dont shed. ( I dont need cat hair all over the place ) I commit with someone through their website and had no reason to suspect it was fraud. I have email communication and it seemed legit, but after I sent the payment I was told he was shipping the cat and never got the kitten or heard from the person again. 

US bank refuses to reverse the transaction even though I told them the following day on XX/XX/XXXX that it was fraud and I sent the payment on the XXXX. They had time to reverse this ach transfer but are using the excuse of the XXXX they have on their website. As a consumer i Sumer it on my bank website is protected for fraudulent transactions when someone steals money and not provide goods. Instead the customer service reps would victim blame and expect consumers to understand why they were robbed by a fake buisness and use excuses as to why they didnt simply reverse the transaction when it was reported immediately. Us bank enforces XXXX but doesnt provide information to let their customers know what their rights are or rather that they dont have any when using XXXX and this is not made abundantly clear when the transfer is easy and doesnt spell it out that if they send money and the person is lying you wont get a reversal of the transaction. There is very little clarification on this and I think this is inviting people to commit fraud with XXXX and is dangerous because not everyone knows the dangers of people running online scams. Us bank should be held accountable to protect their customers and instead victim blame.
Consumer complaint received 2021-09-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

Formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/2021, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Consumer complaint received 2022-04-25
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. (NY)

This is the second time that i am filing a complaint about the inaccuracies that continuously keep reporting on my credit report. I still havent been sent any proof that these accounts belong to me yet they remain on my credit report. I filed a complaint before and there still hasnt been any response to my original complaint. These negative accounts are continuing to affect my credit report, and none of these credit bureaus can verify the accuracy of these accounts.
Consumer complaint received 2021-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: M.A.R.S., Inc. (FL)

This inaccurate debt from MARS LLC is reporting on XXXX, XXXX  and XXXX  credit files. I have never requested credit or services from this creditor nor their affiliates. This debt does not belong to me. It reports that I co-signed but I never agreed to co-sign for anyone on any debt. I asked for the original contract bearing my legal signature along with copy of drivers license and Social Security card which should have been provided when the alleged debt was created. However, I got no response. None of this documentation was provided to me. The amount reporting owed is different with all three credit bureaus.
Consumer complaint received 2019-04-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

Good afternoon, I am having a hard time with XXXX report I have all the other Credit Bureau removed things that don't belong to me I sent all the document requested from me since XX/XX/2018 still not been sold. XXXX not sending me report back about investigation when I send several request I am attached the result from XXXX that three collection was removed from my report and XXXX and Equifax need to update my file. I am writing each of them with the same attachment I am sending you now.
Consumer complaint received 2021-10-30
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. (UT)

While applying for a Mortgage Loan I discovered a significant amount of accounts, charges, inquiries, and negative reports on all three of the credit reporting agencies ' credit reports. I immediately began disputing the errors and followed the proper procedures in getting all the disputed items cleared from my report. I have been only slightly successful and getting the matter cleared up. I have filed a FTC identity theft report and sent certified copies to each reporting agency along with some creditors and have closely monitored my own reports watching for changes. I have received several letters for XXXX, Equifax, and XXXX using stall tactics in the correspondence stating they are unable to clear up the matters with statements like my documents were blurry or unclear, or the accounts have been validated etc. When asked to provide evidence of how they validated, I've received nothing and its been over 30+ days since sending the request. 
I feel like my legal rights have now been violated and their lack of response accordingly is now costing me several thousand dollars since im unable to obtain adequate housing and remain homeless due to low credit scores caused solely from the identity theft keeping me from gaining a mortgage. Due to the severity of the damage, its causing I want the agency held accountable for the violation of my rights and this report is only one way I plan to seek justice. I have the intent of also filing lawsuits of all parties involved including reporting agencies, credit collectors, and credit debtors and all other parties involved. 
I am hopeful this report will encourage the reporting agency to comply with the rules and laws and update my credit report asap.
Consumer complaint received 2021-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (VA)

I have a school loan with XXXX XXXX XXXX XXXX XXXX. I reported that the wrong account number is listed on my credit reports with XXXX Equifax, and XXXX 

I had several account numbers for some reason, and some were deleted due to sending debt validation letters to each credit reporting agency. 

On XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, I sent certified mail and debt validation/verification letters. They did not share how they verified/validated the debt with XXXX XXXX, as requested on my notarized letters. 

Excerpt from my notarized letters to credit reporting agencies. 

" Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required topromptly DELETE all information which can not be verified '' NOTE : I have 3 rounds of debt validation letters, with certified mail receipts, and the documents that I sent for review and support my case.
Consumer complaint received 2019-04-12
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: CITIBANK, N.A. (TX)

I started repaying my Citi Assist Student Loans starting in early XXXX. In XX/XX/XXXX, my husband and I filed for Chapter XXXX bankruptcy to deal with the large amount of credit card debt we had and get us better prepared to handle repaying all of my student loans - approximately {$120000.00} in federal and private loans. Once our bankruptcy was filed, Citibank indicated on my credit report that the loans were in default. During the 5 years of repayment, I didn't see a problem with this since the bankruptcy protected us from debt collection and being charged late fees. The bankruptcy was discharged XX/XX/XXXX and I have been trying to get in touch with them for the better part of 2 months in an effort to get the payments restarted and try to get the default status removed. In the last 2 months, I have only been able to speak to 2 customer service representatives - both representatives informed me that the default status will not be removed from my credit report until the loans have been paid in full. I was also advised that they could not give me any payment information ( due date or payment amount ) until the loan was " sold '' and they could not tell me who the loan would be sold to. I am also not " allowed '' to have online account access to make payments online or see account balances. Even though I was able to reach someone on 2 separate occasions, I am not able to reach anyone most of the time. The phone number ( XXXX ) goes straight to a voicemail and no one has ever returned my call.
Consumer complaint received 2020-06-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Consumer complaint received 2021-03-20
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: CITIBANK, N.A. (WA)

On XX/XX/21 I noticed two fraudulent purchases made on my credit card that were 'pending '. The charges, {$800.00} and XXXX, were made at a tire shop in Texas. I live and work in Washington, have not been to Texas in years, nor were there any other purchases made in Texas prior, just the two big ticket purchases. I disputed the charges, flagging them as fraudulent as soon as I noticed them. Citi sent a new card within a day, realizing my credit card had been compromised. Since then the charges have posted to my account, I have not received any response from Citi.
Consumer complaint received 2021-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (MO)

I've seen it all over the internet that you must mail your credit card payment at least 14 days before the due date. Really? that's funny because I can get a check all the way across the country in two days to someone who wants my money and in the bank on day three.

I mailed a check a week ago to my credit card company and they " haven't gotten it. '' I've had over a dozen credit cards, over the years, and it seems that some companies are good and some aren't. I have mailed my check in a week early ( 5 days ) and gotten a late fee, and guess what, my check shows up in in my account ONE DAY AFTER the late fee and due date.

Of course I tried playing their silly game and mailed my check in 14 days in advance even though the money wasn't in the bank. I figure, okay if it's going to take 14 days, then I'll have the money in the bank by then. Guess what, 3 days later, into their account it goes and into my bank it comes with a nice little bounced check charge, if not a charge AND a returned check from my bank. That little " one time '' {$20.00} credit card payment just cost me {$75.00}. Here I am back at square one with a missed payment on my credit report {$75.00} poorer and that's only if they run it through once, it really gets fun if it goes through twice. The credit card company still wants their payment and the minimum payment goes up from there. 
It seems like this is a one way street. You can't convince me that there is one little old lady with XXXX posting checks and she's just way behind. I know from experience that " some '' credit card companies set checks aside until after the due date just to get the late fees. Can I prove that? Nope. Will they admit to that? Nope. 
I know that they want us to pay over the internet because BOOM they have our money now, they didn't have to handle anything, process anything, no time, no expense, no costs. I also understand that this is the " industry standard. '' So how come XXXX is doing so good with next day deliveries. People don't want to wait 14 days for their stuff. They don't wait 14 days for charges to go on my credit card balance. They don't wait 14 days for my check to clear before it goes into their bank account ... it's 3 days tops and usually one or two. They don't wait 14 days to charge me a late fee, it's the next day. 
The " industry standard '' is pretty poor. Maybe it's because it's pretty poor industry. I call up to plead my case and get a little ONE DAY grace and they refer me to their rules ... .What 's the little consumer supposed to do against the multi-million dollar credit card companies and their lobbyists? Nothing!!! Except play their little stupid games until I can pay off the credit card and cut them all in half and pay CASH for everything.
Consumer complaint received 2021-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I received a letter from ERC stating that I had a debt with XXXX. Says I owe XXXX and they can settle for half that amount. I have never had service with either of those companies. I have tried calling XXXX but was on hold for hours.
Consumer complaint received 2019-04-12
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 — Investigation took more than 30 days
Company: CL Holdings LLC (GA)

XXXX XXXX XXXX violated my consumer rights by not notifying me of the sale of my repossessed vehicle. The address they mailed documents to was not my address. This information was obtained through debt verification from XXXX XXXX XXXX who purchased my debt. 

I attempted obtaining verification multiple times from the credit agency and the debt collector who now owns the debt from XXXX XXXX stated XXXX XXXX states their records are correct. Which in fact is not. 

Being that I was never notified of the lingering debt or a way to pay it until being harassed by the debt buyer which I never had a contract with or received any goods or services from.
Consumer complaint received 2021-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

On XX/XX/2021, I paid the balance {$330.00} on my credit card from my checking account ( same company ). Normally the available balance adjusts accordingly. It did not. I waited until the next day to check, still not updated. I called the credit card company and they said my account was on a 26 day hold.