davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-09-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (NJ)

I have an account with FedLoans. I went into repayment of my loans in XXXX. I am in the PSLF ( public service loan forgiveness ) program. I need to make 120 payments while working for a non-for profit organization full time. I have worked for a non-for profit continuously since XXXX. 

There was a forbearance placed on my account accidentally roughly around XXXX. For approximately 13 months, I was making payments, under an income based repayment plan, on time, while working full time, that were never counted because of this 'inappropriate ' forbearance. 

I realized there was an issue when my total counted payments were not consistent with how long ive been making payments. An inquiry was opened on my account in XXXX of XXXX per my request. The forebearance was removed from my account but the qualifying payments were never recalculated. This case number has been open for over 17 months. They are also supposedly trying to see if my payments with previous government based loan servicers also count. 

I would like my recalculation to be performed as soon as possible, so my family and I can anticipate when I will have loan forgiveness after entering this program. I have chosen my profession, my place of work, and many other decisions have been made based on an anticipated loan forgiveness date. 

Thank you for your time and consideration.
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I called XXXX XXXX XXXX financial department to get a deferment on my lease which they agreed to however they reported a late payment on my credit which damaged my credit I have called them numerous times to reverse this but they have not done so our original agreement was for them not to report late until COVID-19 was over. I was going to continue making payments which I still lamb I need them to remove the late payment that was reported incorrectly
Consumer complaint received 2020-05-19
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2021-01-21
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BARCLAYS BANK DELAWARE (NY)

I keep getting harassed by someone claiming to be a process server on behalf of XXXX XXXX from XXXX XXXX XXXX @ ( XXXX ) XXXX x XXXX. 

They are claiming that I owe a debt and is threatening to take me to court or arrest me. They left me messages detailing my Name, Date Of Birth and address. 

This has to stop.
Consumer complaint received 2020-05-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

To Whom It May Concern, I was looking through my credit report and noticed these collections on my file in Derogatory Marks which is all wrong on the collections. First off on transunion I am being hit with portfolio recovery original creditor XXXX  XXXX XXXX  for {$400.00} I owe them nothing and this was paid off a few years back. I have told these people this countless times and they keep changing companies trying to collect money from me I do not owe. Secondly XXXX  XXXX  original creditor was XXXX  XXXX they are saying I owe {$740.00} which I also paid off a long time ago so I am unsure as to why this is still on my report. XXXX XXXX is charging me {$3300.00} from XXXX  XXXX XXXX. This one I can tell you the story I had bought some phones they never came In and long story short order was cancelled and this was all settled with. Lastly XXXX, XXXX  which is working for XXXX XXXX claim I owe them {$50.00} dollars which I also do not ash owe. I gave them XXXX dollars in cash. I do not owe them anything. If they pocketed the money or whatever happened there under the fair credit report 609 I feel I have a solid case in each situation if anybody wants to call me directly on this situation can do so. As I have nothing to hide and I want this situation fixed as soon as possible as it is effecting my credit score in a negative way. I sent the attachments here to what is wrong and on XXXX  it shows 2 and the other XXXX  has stated I do not owe.
Consumer complaint received 2020-05-20
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)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Consumer complaint received 2022-08-09
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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO. (MS)

On XX/XX/2021 I received an Inquiry from JPMCB Card. And I already reported it to the Credit Bureau. They had no right to pull my credit and I never applied for anything from that bank. There was no permissible purpose and is a violation of the fair credit reporting act
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Carvana Group, LLC (TN)

I purchased a XXXX XXXX XXXX on XX/XX/XXXX from Carvana. I financed about {$4500.00} with a company chosen by Carvana called XXXX. I paid this loan off IN FULL on XX/XX/XXXX. Carvana did not register my truck until the end of XXXX, almost XXXX days AFTER the loan was paid in full. They listed themselves as the lienholder at the time of registration, and they registered the truck in a county I do not live in, which is illegal in Tennessee. XXXX states that Carvana and XXXX are " XXXX in the same '' company, yet they are not ; XXXX is the loan servicer. Carvana will not provide title despite numerous requests. XXXX issued a Paid in Full letter that came directly from them as if they were the lienholder, and they did not sign it, so it was rejected by the XXXX and XXXX XXXX. I have filed a complaint with the TN Dept. of Commerce and Insurance, but they only sanction the dealer, they can not help enforce releasing the title. Attached is XXXX pages of documentation showing the procrastination and smoke and mirrors by these XXXX companies. It will be XXXX days since the loan has been paid in full and I need my title, or a legal release of lien signed by the listed lienholder, Carvana.
Consumer complaint received 2023-01-12
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: General Motors Financial Company, Inc. (CA)

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX XXXX upon signing for the vehicle I know that Americredit was the listed XXXX holder. Shortly thereafter I started to receive statements from Gm financial. My payment were a total of XXXXXXXX XXXX XXXX 

XXXX XXXX XX/XX/XXXX XXXX is listed on my Credit as an inquiry on XX/XX/XXXX. Americredit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Gm financial I had financial hardship at the time where I made a paymenT arrangement with this company however, I was still waiting for my check as well as it would take a XXXX XXXX XXXX to processing to my bank account. 

XXXX thing is for-sure is why would this company contact me at XXXX XXXX XXXX XXXX stating to contact them immediately only to repossess the vehicle early in the morning the was at XXXX XXXX standard time XXXX I didnt see the email until the XXXX XXXX. I guess they work late on those XXXX because often times They were closed after a certain time. 

XX/XX/XXXX, I received an email at XXXX from GM financial telling me to contact them as soon as possible. I never saw the email until the XXXX XXXX when I walked outside and noticed the car was missing. So I contacted the XXXX XXXX XXXX XXXX XXXX XXXX XXXX that really didnt result to anything. Contacted Gm financial and gave me the instructions to get my vehicle which included going to the police stating and paying a fine and also having to go to XXXX XXXX to pick up my vehicle. However I noticed that the paperwork that I received in the mail stated the vehicle was located in XXXXXXXX XXXX
Consumer complaint received 2023-01-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

The issue seems to be that IC Systems claims that I owe XXXX XXXX XXXX XXXX an amount of XXXX. IC Systems also made a delinquent remark on my credit report. When I requested them details and breakdown of amount and my permission for services solicited IC Systems never provided it. 

Instead they said I had paid it and closed the delinquency charge but left it showing as delinquent for XXXX months. When I stated that I had not paid a single penny and why they closed it and left it as delinquent for XXXX months they re-opened on the outstanding amount. 

XXXX does not allow for the website to allow for reopening the dispute. So I had to call them and manually open a dispute. 

My chief complaint with IC Systems is that they have not provided me with details of delinquency charges but continue to report it. I have contacted them in writing and they have not responded. 

I received a call from IC Systems using a number " XXXX '' and spoke to XXXX. She asked me if I was disputing the debt I said yes. I also informed her that I had requested details of the debt and my authorization and for proof of having requested the service she/or XXXX claimed XXXX me. I have had no documented proof of the same either from IC Systems or XXXX. 

I also informed her that despite me not having paid any amount the debt was flagged as paid, closed. This is incorrect and paints my credit in a bad light. 

She then offered to settle the 'outstanding " debt for half the amount. I said I would not pay a single penny until I see proof of my authorization for services they ( XXXX and or IC Systems ) claim I requested. She mumbled some response that I was not able to comprehend. I also asked her how can they mark it as Paid when I had not paid any amount. If I had paid as IC Systems says then why are they demanding half the amount as per the recorded call. She said they will leave it like that and IC Systems would not take further action. 

I request that CFPB request them for proof of the transaction or remove any mention of debt or collection. 

In summary I have requested in writing and orally proof of details of the debt being claimed and they are not providing the same. As a honest citizen please assist me in getting assistance to resolve this matter. 

Thank you. 

XXXX XXXX XXXX : My letters to IC System are enclosed.
Consumer complaint received 2020-05-08
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: EQUIFAX, INC. (GA)

I was a victim Of identity theft mainly because of the Equifax data breach. My information had been compromised and use to open fraudulent accounts Mainly with comenity bank. And then they went to collections selling my information to XXXX XXXX XXXX THE ACCOUNTS ARE LISTED BELOW XXXX XXXX XXXX XXXX XXXX XXXX/ beginning with XXXX XXXX XXXX XXXXXXXXending with XXXX And all the collections accounts with XXXX XXXX XXXX be removed immediately
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Firstly, Transunion is corrupted. 

Secondly, disputes with a credit bureau are lodged only when the financial institution refuses to cooperate. 

Third, I lodged a dispute with transunion against a wrong information provided by a financial institution. The dispute got closed by transunion within 48 hours. I called transunion and the operator said even though a bank/financial institution provide wrong information to the bureau, transunion at all times would have to honor the bank because at any given time the bank takes precedence over a consumer. 

Report Created On : XX/XX/2020 File Identification Number : XXXX
Consumer complaint received 2023-01-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NY)

1- XXXX company made 3-6 charges on top of my charge and on days i didn't make charges. ( this is involving 5 of my credit cards that they have maxed out ). I was charge over 130 charges between my credit cards that i didn't authorized.

2-I have redemption ( s ) that was canceled by them.

3-I have contacted them since learning of the scam/fraudulent charge begin XXXX thru XXXX, XXXX. They have no number only email. Have ask them to fix/investigate and refund. Was told account was compromise at one point. And they will not reimburse, even the won redemption ( s ) as she said someone canceled and use it.

4-The company 's business model is a scam and not as what they claim. ( basically they are a casino using the loophole of a sweepstakes company, using unfair practice to change the XXXX, XXXX XXXX  misrepresented payouts and odds. They also can change the rtp on any specific player. 
5-I have disputed and or filed fraud with credit card companies, Most are coming back denying the disputes/fraud. Have told me I will need to go outside of the resources to get any help.

I have 2 credit cards with chase that both was maxed out. Chase have denied the disputes and never provided me any appeal process.

I am still dealing with XXXXXXXX XXXX ( also 2 credit card, maxed out ) and most have been denied on the disputes/fraud. 

XXXX XXXX has closed my case since XXXX. I am still trying to reach out to them with regards to the dates shown as account had suspicious activity.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I need your assistance with the false account listed on my credit report. Im raising this issue because it has negatively impacted my reputation, and I require your help. Your mishandling of my credit report has left me in a difficult position, as the false information has severely damaged my reputation. It is crucial that these inaccuracies are eliminated so I can move forward with my family.
Consumer complaint received 2020-05-19
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Flat Six Holdings Inc. (CA)

I am being charged a fee on a line of credit I was not made aware of. Additionally, I am concerned that other fees will be fabricated and applied to my account. 

The line of credit is through Green Bear of California ( dba Crestline Finance ).

The line of credit was processed by a payday lender XXXX XXXX ( store address XXXX XXXX XXXX XXXX CA XXXX ) I went to the lender for a payday loan and was offered a line of credit. I had to pay a fee between {$35.00} and {$40.00} to print the check which was for {$300.00}. 
Additionally I was charged {$33.00} interest. 

I was told when payment was due and how much. 
I received no paperwork and was not told at any point about a set up/maintenance fee. 
I was not told that I had to call to close account. 
Aside from the line of Credit tag, the transaction was presented as a payday loan. 

I paid the the principle and interest on the due date. 
The associate I spoke with never mentioned that any other payment was due. 

I am afraid I will not be able to close this account and that I will be hit with more made up charges. 

This business, and the network of payday lenders they use, are manipulating women and men taking out payday loans and exploiting the fact that the individuals taking out the loans think they are the same as a payday loan. 

My borrowing {$300.00}, when desperate, cost me {$370.00} plus the surprise maintenance fee and however much it will cost to close the account. 

Additionally, the associates at the payday lender I went to, XXXX XXXX, are very clever in how they present the info to you. 

The document you sign is on a small screen device and looked like any other payday loan document. 

You are told that info will be emailed to you. 
The email you receive is a link to a website that requires an ID number that you are not given ... unless you know to ask the associate at the counter. 

You the borrower wont find out about the fees, and that this is an ongoing account, until you get a call, like I did, a week after paying off your loan. The associate calling you will politely remind you about your upcoming payment. You will likely wonder what the associate is talking about. 

A half hours later you will be mad and looking up Crestline Financial online and you will find a lot of people who were suckered too. 

Then you go to the CFPB. 

I will likely pay these conmen, but hope no one else gets mislead like I was.
Consumer complaint received 2020-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RentDebt Automated Collections, LLC (GA)

RENTDEBT AUTOMATED COLLECTIONS has not provided proof of my obligation of this alleged debt as requested and continues to report this trade-line to XXXX. This is creating major issues for me such as high inrerest rates, lower credit scores, job declines, and application rejects for outstanding balances owed, for me and my small children, which one have a severe XXXX, during a world-wide pandemic. 

I disputed this account on XXXX and XX/XX/XXXX of this year on my XXXX, XXXX , and XXXX credit report to no avail. I also disputed directly within RENTDEBT AUTOMATED COLLECTIONS on XXXX XXXX and XX/XX/XXXX of XXXX. To date, RENTDEBT AUTOMATED COLLECTIONS continues to ignore my requests and they continue to ignore my consumer rights. 

I believe this account does not belong to me. I requested the documents from their files used to verify this account. Under the Fair Credit Reporting Act, I have the right to demand they disclose all of the documents they have recorded and retained in their files at the time of the request concerning the accounts that are reporting in my credit report. All unverified accounts must be deleted. 

Who verified this account? what documents did they use to verify? Where are the documents used to verify? 

This only correspondence that i received was information about opening date, charge off date, billing statement, and a copy of an application. These items do not qualify as full verification per FCRA. This company is in violation for continuing to verify the account with the credit bureaus without providing the evidence as requested. It is my contention that RENTDEBT AUTOMATED COLLECTIONS knows they can not tie me to this account, otherwise, they would have done so when i made my initial request. RENTDEBT AUTOMATED COLLECTIONS is blatantly disregarding the law.
Consumer complaint received 2020-05-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC (OH)

I entered into a settlement agreement with the 3rd party that was assigned my debt. I did a full settlement in full and now the original company, XXXX is stating that I still owe on my debt and the settlement that I did was to stop the 3rd party from call me. This deceptive practices if I completed a settlement with a 3rd party that represents them.