davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SinglePoint GI (NY)

Other family member, whom I do not reside with, an employer, who is no longer my employer and myself are getting calls constantly from General Revenue about my student loans. They don't ever send anything to in writing, just phone calls/voicemails. They claim they are a collection agency and are trying to collect a debt. I have filed for a forbearance and was approved back in XXXX well before the pandemic hit. Then the pandemic happened and that put a hold on all student loan payments. So I have the forbearance and student loan freeze both still intact yet General Revenue won't stop calling and harassing that I owe them and must make payments. They even insinuated that they could take legal action if I don't pay. They go as far as calling multiple times within a 24 hour period on my personal cell phone. My ex employer has repeatedly told them I don't work there and yet this company still calls her. All of my students loans show active, in good standing and on time. It does not show anything about being in collections. I also have never received any correspondence from the loan servicing company about sending my account to collections. They have only sent ways to help reduce my payments or offer relief once the freeze is lifted in XX/XX/XXXX. I need this harassment to stop!!!
Consumer complaint received 2020-05-14
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. (FL)

I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that : EQUIFAX MORTGAGE SERVI Inquiry date : XX/XX/XXXX, XXXX XXXX  Inquiry date : XX/XX/XXXX, XXXX/XXXX XXXX XXXX XXXX XXXX  Inquiry date : XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX/XXXX XXXX Inquiry date : XX/XX/XXXX XXXX
Consumer complaint received 2023-01-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  Portfolio Recovery XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX To Whom it May Concern : This letter is in response to my consumer report that I reviewed and notice some discrepancies that are in questioned. Please note that this is not a refusal to pay but a request for VALIDATION of the alleged debt you claim I owe. 
This is NOT a request for verification or proof of my mailing address but a request for VALIDATION made pursuit to 15 USC 1692g. Im respectfully request that your office provides me with competent evidence that I have legal obligation to pay you regarding the following account number : XXXX Please provide me with information on the following questions : Is this a debt or an extension of credit? 
Is this an extortionate extension of credit? 
Can you provide me with a XXXX of XXXX? 
Can you provide me with a Bill of assignment? 
Was this alleged debt assigned or was it bought? 
Has insurance been filed for this account? 
Has a XXXX been filed for this account? 
Provide a license to collect in the State of Louisiana.

Provide your Errors and Omissions insurance.
Consumer complaint received 2021-12-07
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: EQUIFAX, INC. (TX)

I was on XXXX and I was requesting my report from Equifax, when I did it, it said based on the information you provided, we are unable to verify your identity. They were asking for me to verify my identity by one of the three social security card, pay stub with social security card or W2 form. Also requesting to identify my address by either my drivers license, rental or lease agreement, pay stub with address, or utility bill. I am not comfortable with disclosing any of that with them.
Consumer complaint received 2020-05-14
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Acceptance Corp. (MO)

For the past year, since XX/XX/XXXX, I've tried several attempts to call and get any information I can about this debt. I have talked to them twice. Once to let them know the vehicle was totaled, second time to call and resolve the debt. They said they would give information to my insurance company and my insurance company can let me know what is left to be owed. My insurance said that is not their job that they have no idea of the amount we owed left on the loan they could only tell us what the value of damage what and what the vehicle was worth. I've sent several emails, didn't get a response. I've made multiple phone calls which lead to being told, I didn't have an account with them, couldn't find my account, account was closed and due to being closed I couldn't make a payment. In XX/XX/XXXX I emailed and attempted to call to settle the debt in full and no luck. They have it on our credit report that it was settled in bankruptcy. We were discharged from bankruptcy in XXXX XXXX. We got our truck loan in XX/XX/XXXX so there is no way it could have been included in bankruptcy. Our credit lawyer brought this to their attention by disputing it and after 30 days we got no change or update in verification. We have never received any papers from them in the mail. Our insurance company has sent us all the paperwork and copies from them. Now they are taking us to court for refusal of payment, when they have refused our payment, refused our phone calls and emails to get information and the total debt owned to pay.
Consumer complaint received 2020-05-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TX)

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : US DEPT ED, US DEPT ED, US DEPT ED, XXXX, XXXX,  XXXX XXXX, XXXX, XXXX XXXX XXXX, Company Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-01-16
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. (TX)

I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance : {$1900.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (LA)

the credit bureaus did not respond to my complaint according to the law. 
According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consume and the person making the report. Late payments are a form of transactions. XXXX, Experian and XXXX, are reporting late payments on 2 accounts ( XXXX XXXX XXXX  XXXX # XXXX and XXXX XXXX. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumers to whom it relates. I never gave XXXX, Experian or XXXX written instructions to report anything to my consumer report, let alone these late payments. Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure those consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
with the respective complaint id XXXX for XXXX  for XXXX XXXX and experian XXXX.
Consumer complaint received 2021-10-14
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: I.C. System, Inc. (UT)

I never have an account with these collector/creditor. I tried to contact them several times and ask for proof of ownership but they are failed to send me necessary documentation to prove that I really own this account.
Consumer complaint received 2019-10-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO. (IL)

In XXXX Chase phoned me to say they were concerned about fraud on a recurring rent check. The check was deposited then returned. I begged them to let it be redeposited. They Refused although I know it could. I purchased a cashier 's check to replace it then the check Chase stopped cleared also. These tricks and games I am out {$1200.00}.
Consumer complaint received 2022-01-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (TX)

I have had this Discover Credit Card for over 10 years. I had a merchant that I did not recognize charging my card. I contacted Discover to resolve. Their " XXXX XXXX '' suggested that they replace the card. They reassured me that nothing would change to my account. That the limits, closing dates, interest rates ALL would remain the same on a recorded call. Even the design on the card I asked if would remain the same and they said yes! Well, on XX/XX/XXXX I received an alert on my credit reporting that my score had dropped XXXX points! I checked the report and Discover reported my credit bureau in the middle of the cycle! My statement closing date and reporting date has always been the XXXX of the month. This still is reflected on my statements despite the new card number! Not once was I disclosed that the balances were going to be reported at the replacement card time not once! Had the rep explained this to me then I would have had the opportunity to either pay down the card or wait on the fraud report or just eat the {$120.00} the charges added up to rather than ruin my credit! I am in the middle of buying a house!!!! I was promised a call back from a " Fraud Dept '' manager in 2 business days. Today is the 4th business day and no one has contacted me. I called again and after being on hold for more than an hour with a customer service manager trying to reach a Fraud manager I get dumped for the 2nd time with a Tier 1 rep that continues to state that she doesn't know anything about how to correct and " messages '' through their intranet to a manager that says they are too busy to answer my call and too busy to call me back. I can not believe this horrific experience.
Consumer complaint received 2020-05-21
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP (FL)

We submitted a request for a short sale after being denied for a loan modification multiple times. During the short sale process we had the property appraised multiple times and were finally able to secure a buyer willing to take on the challenge of purchasing this property with an offer price of $ XXXX. The property has many repairs that are needed and we were not able to get the property approved for an FHA purchaser. 

The lender appraised the property on XX/XX/20 and the valuation came back at $ XXXX. This made no sense since the new and renovated properties in the area were being sold for that value. The buyer decided to dispute the value and had an independent appraisal and inspection completed and the value came back at $ XXXX. The buyer increased the offer to $ XXXX. 

On XX/XX/20 the lender had another appraisal completed since the previous valuation had expired. The new interior valuation completed by the lender came back at $ XXXX. However, we received an email from the lender representative stating that they are not accepting the new valuation and have extended the XX/XX/20 valuation until XX/XX/20. That would make the XX/XX/20 appraisal 234 days old and far outside the 120 day deadline. 

I am not sure why the lender keeps making me jump through hoops or why they want to continue to ruin my credit by not allowing me to complete the short sale with a willing buyer at their own XX/XX/20 and current appraised value. It feels like they are just trying to stick it to me and feels more personal than business.
Consumer complaint received 2023-01-16
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: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the XXXX whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than XXXX years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. 

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Here is the list of following items which are UNKNOWN to me : BANK OF AMERICA XXXX Balance : {$8900.00}, BANK OF AMERICA XXXX Balance : {$3100.00}
Consumer complaint received 2023-01-16
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: Experian Information Solutions Inc. (NC)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2021-12-07
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. (NY)

On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.
Consumer complaint received 2020-05-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (FL)

IQ Data keeps telling me that I owe {$64.00} which I paid on XX/XX/XXXX. They claim my check bounced and when I checked with the bank they say that information is false. The landlord has even sent them emails that I satisfied the debt. They deny receiving communication from them. I sent statement showing I don't owe the amount. Then they asked me to send proof to the dispute department. I did that two weeks ago. They can't answer my question or give me any update. They are not willing to help. I even threatened them with a lawsuit for the grief they have caused. I satisfied this debt immediately when it my landlord gave me an adjusted post-moveout amount. This is also largely the landlord 's fault for poor business practice. They automatically send any amount owed after move out to this collection company instead of communicating with tenants. Its a meager {$64.00} and it is causing me so much grief because I take my credit seriously and to they're treating my concern facetiously.
Consumer complaint received 2023-01-16
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services (CA)

On XXXX XXXX I visited Mercedes of XXXX test drove a Mercedes i made a offer to extend my credit and didn't receive what i wanted. i was violated as a consumer. I used my credit card which is what congress defined as one. My card was accessed and i received no benefits. I was discriminated against according to the equal credit opportunity act. I acted in good faith. when asked for my information back the finance manager XXXX refused to give me my information and that i needed to put down a down payment to get the automobile which is not true when you are financing the automobile. I signed the documents with a special signature. All i wanted was to purchase a car, another internet financial manager told me the way i wanted to do the process is wrong and he had been doing this ( selling cars ) for 25 years. I didn't receive a car or my documents this is not how credit transactions supposed to go!!! I was knowingly and willfully giving false information and that is honest business practice.
Consumer complaint received 2023-01-17
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: Experian Information Solutions Inc. (FL)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2021-03-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (MI)

About XXXX of XXXX I submitted a request for a COVID-19 forbearance for my student loan held by NelNet. It was approved and remained in place until about XXXX of XXXX. It was widely reported that student loan payment relief was extended through XX/XX/XXXX. In XX/XX/XXXX, NelNet began to contact me about repayment and it was even a much higher payment than it should have been in relationship to my income-based repayment plan that was approved on XX/XX/XXXX. It was in the $ 700/month range rather than the $ XXXX/month that it should have been. That notwithstanding, my loans should have remained in forbearance as they had been for the previous 7-months or so. Nothing changed and again the relief was extended to XX/XX/XXXX. In about XXXX of XXXX I received notification for XXXX  and XXXX that my NelNet loans were greater than 90-days delinquent ( about a year in total ). I called NelNet and they ended up applying a forbearance that brought my account current, which is now reflected on my credit report, but my credit score dropped from XXXX to XXXX, over XXXX points and that drop is still reflected today.