davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (OR)

On XX/XX/2020 a fraudulent, full ID theft occurred, as a transaction initiated with USAA resulted in a withdrawal from my checking account with XXXX XXXX. 

An amount of {$3400.00} was taken out of my XXXX XXXX checking account. 
The information identified that the amount was taken by someone who gained access to my personal information with USAA. I was sent an alert by USAA, but I did not pay attention to the full information and action necessary on the e-mail. My fault. The perpetrator used an umfamiliar computer and USAA sent me a message, again, which I did not pay the necessary amount of attention to. There was an e-mail telling me that my e-mail address change was being requested. I did not follow the information provided and immediately call. This was a costly error on my part. I was uncertain if the source was real and wanted to avoid a spam occurrence on my computer, or be subjected to a phishing occurrence. So, I simply deleted the e-mails. Wrong action, again.
Consumer complaint received 2021-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TN)

Continued daily robo calls all day and evening calls registering different numbers from different states. Debt was settled and paid to creditor XXXX XXXX XXXX but daily harassing calls will not stop to my cell number XXXX. Calls show up from different states and numbers but when answered its always a bot calling from same company. Numbers listed were XX/XX/XXXX XXXX WI, XXXX Long Beach CA, XXXX, XXXX XXXX CA XXXX many daily numbers from same company to list. I am considering changing or dropping my cell number and phone altogether due to harassment. XXXX was paid in full XXXX XXXX XXXX and paid in full but daily Robo calls will not stop. Company may be upset because I dropped service and switched recently to XXXX  due to bad service and dislike XXXX as I explained to a Rep when I contacted them directly to report this and pay any outstanding valence on XX/XX/XXXX Please do not publish my direct cell number to any public boards that can be viewed by anyone other then the ones who resolve these issues.
Consumer complaint received 2020-10-01
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: BARCLAYS BANK DELAWARE (FL)

I have been trying to resolve a dispute against my credit card company since XXXX XXXX, 2020. 

My boyfriend used my card to book travel, I am unable to modify change or cancel reservations without him cancelling air fares. '' This is in arbritration. Since XX/XX/2020 the airlines according to Department of Transportation is to refund all charges but has not. 

I asked the credit card company to put in dispute again as this law took affect in XXXX, 2020 not XXXX 2020 when first disupted. Every time I call they hang up on me. They also say there is no such thing a dispute department. 

I have also requested this company send me the full account number to this account. 

They absolutely refuse to give me the full account number. The account is now closed. 

XXXX XXXX
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (MA)

I XXXX XXXX have requested on three different occasions to obtain a free annual credit report to Experian and XXXX. I have received my XXXX XXXX report, but I don't know the reasons why the other bureaus are being held up. Please help as I really want my free annual credit report from each bureau. Thank you.
Consumer complaint received 2021-09-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc. (PA)

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Consumer complaint received 2023-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I took out XXXX student loans with XXXX. Im currently still in school and have not made any payments nor am I required to make payments until I am done with school. I called XXXX and advised of the error of them showing me late ONLY XXXX month and the remark for that XXXX month is showing late XXXX days. There are no other months showing late so how could it be late XXXX days. Also, I never paid any payment so how could you be reporting a late payment???? XXXX advised they dont show me late and I should talk to the credit reporting agencies to file a dispute. So the second thing I did was a dispute with all three credit reporting agencies. I asked to have all XXXX accounts removed since they are violating by reporting inaccurate information and in violation of FCRA for also not sending me proof of verification as I requested. So I am now making a complaint. 

I would like all XXXX loans on each credit report removed for reporting inaccuracies. On all XXXX of my credit reports they are showing the following errors for each loan : 1. XXXX section shows each loan late XXXX days 2. There is only XXXX month with a red X that represents XXXX late payment in XXXX of XXXX so how is the loan XXXX days late. 
3. They should not be reporting any late payments at all because Im not done with school. 
4. Each loan is on my credit reports are reporting XXXX different balances Loan # XXXX is reporting highest balance of {$3500.00} and its showing reporting balance {$3600.00}. 

Loan # XXXX is reporting highest balance of {$3000.00} and its showing reporting balance {$3300.00} Loan # XXXX is reporting highest balance of {$1700.00} and reporting balance of {$1800.00} Loan # XXXX is reporting highest balance of {$520.00} and reporting balance of {$570.00}. 

5. Its showing XXXX of the loans as closed which caused my credit score to drop. Also, they are reporting payment status every month and paid amount says {$0.00} for each loan.
Consumer complaint received 2020-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MI)

I received correspondence from Fco in an attempt to collect a debt. Fco has themselves listed as the creditor with no account information listed. Please be advised this is not a refusal to pay a debt, but a notice pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is required. 
No dunning notice was provided and I have no knowledge of this account or any knowledge of any contract with this institution. I request that you please verify the following information to assist identifying whether this debt is valid:1. Full original account number2. Date original account opened3. Any and all written agreement ( s ) between myself and the diversified consultants stating I agreed to pay alleged debt3. Consumer address at which original account was opened4. Date of first delinquency5. Itemized calculation of alleged debt 6. Original signed  contract between myself and this creditor, not a copy. 
7. A copy of all payments made with beginning and ending balances 8. original creditor. 
If Fco is unable to provide all of the above identifying account information I will have no recourse but to presume the debt invalid and/or fraudulent and request account DELETION from ANY and all credit reporting agencies without further discussion of payment in full or partial settlement.This is my attempt to verify the validity of this alleged debt and I appreciate your transparency and cooperation.Please conduct all communication through written correspondence to the following email address ( s ) only : Name : XXXX XXXX Email Address : XXXX Mailing : XXXX XXXX XXXX XXXX, XXXX MI, XXXX Absolutely no phone calls from Fco in any manner other than permitted I will cease all communication ( invoking my legal right to request fco to cease communication ) with the presumption that the debt is invalid and that I own zero responsibility ( in part or whole ) for the repayment of said debt.Thank you for your assistance.
Consumer complaint received 2021-10-03
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA (IL)

Hyundai Motor Finance, without warning, cancelled my auto payment at the final payment of my lease. I received no letter, email, or phone call informing me of this. After three years of on time payments, I received an email almost a week later that no final payment was received. When I called to ask why it autopay was cancelled I was met with two very unhelpful customer service representatives who rudely informed me that they were attempting to collect a debt ( even though I made payment online while I was on the phone with them ) and that it was policy to cancel auto payments ( with no warning to the customer ) on all accounts before the final payment. They also said that the late payment would likely be reported to credit agencies.

This is predatory behavior and likely an attempt to collect late fees at the last minute before lease ends, or purposely lower credit scores so that going forward they can collect a higher interest rate from customers.
Consumer complaint received 2020-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

I have been paying XXXX XXXX in time as agreed since XX/XX/2019. Now they are reporting my account as written-off because they have not been able to collect the payments. 
Each month I pay my loan and cc with them. 
I called them AND filed a dispute with Experian to no avail.
Consumer complaint received 2020-05-13
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (CA)

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THAT THERE ARE MULTIPLE ACCOUNTS APPEARING ON MY FILE THAT ARE NOT MINE. THE ACCOUNTS LISTED BELOW UNDER ACCOUNTS TO DELETE, ARE NOT MY ACCOUNTS. 

I HAVE SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX BUT TO DATE I HAVE NOT RECEIVED A INVESTIGATIVE RESULTS REPORT AS OUTLINED UNDER THE FCRA.. YOUR FIRM COMMITTED TEN 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA STATUTES. 
ALSO, THERE ARE ACCOUNTS REPORTING LATE UNDER, THE ACCOUNTS TO AMEND, WHICH SHOULD BE AMENDED TO SHOW, NEVER LATE.
Consumer complaint received 2022-02-15
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: DISCOVER BANK (IL)

I accepted a XXXX XXXX position XXXX  XXXX XXXX XXXX out of New York. The first two weeks were trial basis so while waiting for my company card and after filling out their employment documents and payroll forms, they paid down my discover charge to be utilized for purchasing items on their purchase orders. I have lots of documentation on this issue. After the items were purchased and shipped to XXXX XXXX  XXXX they reversed their bank payment against my card resulting in 8500 of items bought with my own money. I tried to dispute both the purchases and the payments against my card and discover will not resolve.
Consumer complaint received 2020-05-13
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: EQUIFAX, INC. (IL)

per complaint number XXXX XXXX XXXX XXXX was to correct info on acct ending in XXXX on all credit reporting agency within 30 to 90 days. this has not been done and acct is still showing XXXX owed and charge-off status. I have called and left voicemail with my cell phone number to contact me back 20 times with XXXX XXXX AND XXXX XXXX for over 40 calls and no reply back. this acct has been disputed over 5 times and on each occasion they have taken over 30 days with no response. which violates the consumer financial protection act. This is ongoing issue that has lasted over a year with no resolution. please also not that this acct was disputed on XXXX with not response at all in 60 days which is another violation. The complaint and request for investigation was sent to address provided by XXXX  XXXX XXXX to all credit reporting agencies. It was sent via certified mail. all documentation is attached.
Consumer complaint received 2020-05-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

On XX/XX/XXXX after reviewing my credit report I notice there was an error on my report from Portfolio Recovery Associates, LLC. I sent them a Certified Letter request them to explain to me what the debt was and provide me with documentation as the debt did not belong to me. On and or about XX/XX/XXXX I received a letter back from Portfolio Recovery Associates, LLC. stating the account was sold to them on XX/XX/XXXX and at the time of the sell provided an electronic file of business records containing information concerning the account. On XX/XX/XXXX I sent another certified letter to them disputing this debt as it does not belong to me and was looking for them to provide me with additional account information, signed contract, etc and or remove the erroneous debt from my credit reports as it is damaging my credit history. On or around XX/XX/XXXX I receive a letter via US postal service from Portfolio Recovery Associates Stating they have reviewed my dispute and there record indicated that they had already responded dispute and because my dispute alleges no new fact they will not be conducting another investigation and if they continue to receive correspondence from me regarding this dispute they already resolved they will consider my inquire as answered and no further replies will be forthcoming. On XX/XX/XXXX I sent them another Certified letter to Portfolio Recovery Associates LLC. On XX/XX/XXXX They responded back via US postal service with the same notice they sent me on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX I then sent them another Certified more detailed letter a form requesting alleged amount, amount that was paid for debt, Name and address of alleged creditor, a contract with my signature, a judgement for this debt, name and address of there bonding agent has any insurance claim been made by any creditor and to date they continue to send me the same information and report this erroneous debt on my credit reports. This is defamation of character and is costing me greatly as I am looking to establish new credit. i am seeking your assisting with resolving this matter and have also been seeking counsel from an attorney to to file litagation for this violations if this can not be resolved immediately
Consumer complaint received 2021-11-21
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC. (FL)

Hello, my name is XXXX XXXX, and I am contacting you today because I need the following information deleted from my credit les. I have listed the items in this report. I'm a victim of identity theft and I did not make this charge. They are reporting inaccurate and fraudulent credit information on my credit report. 

These accounts should not be furnished on my consumer report as they are in violation!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a Federal Protected Consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed below IMMEDIATELY. 

Fraudulent/Negative Accounts : Account Number : XXXX XXXX Account Opened : XX/XX/2017 Balance : {$3700.00}
Consumer complaint received 2020-05-13
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

per complaint number XXXX bank of america was to correct info on acct ending in XXXX on all credit reporting agency within 30 to 90 days. this has not been done and acct is still showing XXXX owed and charge-off status. I have called and left voicemail with my cell phone number to contact me back 20 times with XXXX XXXX AND XXXX XXXX for over 40 calls and no reply back. this acct has been disputed over 5 times and on each occasion they have taken over 30 days with no response. which violates the consumer financial protection act. This is ongoing issue that has lasted over a year with no resolution. please also not that this acct was disputed on XXXX with not response at all in 60 days which is another violation. The complaint and request for investigation was sent to address provided by bank of america to all credit reporting agencies. It was sent via certified mail. all documentation is attached.
Consumer complaint received 2022-02-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (IA)

Hi, CFPB - I'm hoping you can help me with an issue impacting me and many others in the XXXX XXXX XXXX XXXX program. 

I finished my XXXX XXXX XXXX, and have been fortunate to be awarded several post-graduate opportunities, including working as an XXXX  Fellow at the XXXX XXXX  XXXX XXXX ( XXXX  ). Recently I completed XXXX  months working in XXXX  as a sub-contractor for the XXXX XXXX XXXX. 

While XXXX  and XXXX  clearly would qualify as non-profit/government employers for the XXXX program, because I was in a Fellowship program for one, and a sub-contractor for the other, these XXXX years don't count towards XXXX, and are significantly setting me back on my debt-repayment timeline and progress. Can you help? 

I'm sure this issue is impacting thousands of other gradates as well and I would like to have the XXXX  program modified to include fellowships and sub-contractor positions. I did reach out to my state congressman 's office, but didn't receive follow-up action from them. 

I'm eager to fix this issue to help myself and many others and really appreciate your help. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-05-13
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: MCU Holdings, LLC (NY)

I was first contacted about this alleged debt via a voicemail from phone number XXXX on XX/XX/2020 at XXXX XXXX. The caller, who identified herself as " XXXX XXXX '' of " XXXX XXXX XXXX XXXX, '' claimed that there was a case against me submitted to her. She used this particular language to scare me, as " XXXX XXXX XXXX XXXX '' is actually called MCU Holdings. I called the number back immediately, identifying myself and telling her not to ever contact me via phone again or attempt  to collect any debt, as she was attempting to represent herself as being a legal agent, which is a violation of my FDCPA rights. Despite this being recorded on both of our ends, she instantly called me back, another violation as such rights. It is important to note that this was the first time ever being contacted about this alleged debt, and no one had ever sent me any sort of written communication telling me what is owed, who the creditor is, or even that I have the right to have the debt validated. 

Also, this is shady as well, but they attempted to identify themselves as " XXXX XXXX '' and " XXXX XXXX XXXX XXXX, '' and I only learned their real organizational name by calling after hours to get their voicemail since I couldn't find any information online about either of those entities.
Consumer complaint received 2021-11-21
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

On XX/XX/21, I sent a letter, return receipt requested, to XXXX XXXX XXXX, Equifax and XXXX with a request for documents proving this debt was valid. I had disputed the issues online, over the phone several times, and then, in the letter. I received a letter back from XXXX and they only addressed XXXX of the accounts with a statement of Verified as accurate however, we didnt receive the requested documents. The date is invalid, the debt is invalid, and we requested that they prove with documents or delete the debt. They did neither. I stated in the letter, pursuant to XXXX USC XXXXg Sec XXXX ( b ) of the FDCPA, they must follow the guidelines and requests. I also stated per the FCRA, they are legally obligated to report accurate information and they have failed to do so. We have now way to fix this as our requests have been ignored and they continue to list XXXX collections when they are inaccurate or invalid.