davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-06
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

My cell phone has been robo-dialed at least six times since XX/XX/XXXX by the junk debt buyer Portfolio Recovery Associates. 
They are attempting to collect on a debt that has been time-barred since XX/XX/XXXX in the state of Delaware ( XXXX XXXX XXXX, the original creditor 's, state of incorporation ) as well as time-barred since XX/XX/XXXX in the state of Florida ( where I have continuously resided since XX/XX/XXXX ). 
This is in violation of the Fair Debt Collections Act in Title 15 of the US Code, the Consumer Financial Protection Act in Title 12 of the US Code, and the Telephone Consumer Protection Act in Title 47 of the US Code. 
This is also in direct violation of the Consumer Financial Protection Bureau consent order # XXXX.
Consumer complaint received 2017-01-24
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

Pretty simple, really. Just like many, many others, when visiting annualcreditreport.com and requesting all XXXX credit reports, I received only XXXX ( XXXX ), and the others ( XXXX and XXXX ) both reported " errors. '' How can we trust these agencies with our financial information if they ca n't even follow the law and provide annual free credit reports without having to resort to mailing documents and such. They clearly are intentionally mishandling the requests for free reports, and make it difficult to obtain them - unless of course you want to pay for it. 

It 's despicable. Sad, really. Pathetic, even.
Consumer complaint received 2016-12-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Account Management Resources (FL)

ACCOUNT MANAGEMENT RESOURCES ACCOUNT NUMBERs : XXXX XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ACCOUNT MANAGEMENT RESOURCES or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ACCOUNT MANAGEMENT RESOURCESor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, GA XXXX
Consumer complaint received 2016-08-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I recently was funded by Capital One through XXXX Financing for a new 2016 XXXX XXXX Motorcycle that I purchased on XXXX/XXXX/2016. A week later I get a letter in the mail from them with instruction on how to log in to my new credit card account, manage, and pay my monthly payments. Upon receiving this letter from them with a XXXX Financing card in the envelope, I realized that Capital One had financed the motorcycle for me by signing me up for a new credit card instead of with a loan. A week later, I check my credit score and find that I have now been hit with a XXXX point credit score loss because my credit card utilization rate is now awful because of this new credit card via Capital One. Nowhere during the financing process did the dealership or Capital One make it clear to me that I was being financed through a credit card instead of through a loan, and now because of this my credit score went from being great to being poor.
Consumer complaint received 2016-11-17
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (NH)

I had a car when in XXXX. My father cosigned. I got sick and was in the hospital. Out of spite my father took my car and ruined my credit at the time to hurt me. Ford motor credit is still trying to collect since XXXX. XXXX refuses to remove it.
Consumer complaint received 2016-04-13
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Galaxy Capital Acquisitions, LLC (RI)

XXXX sent me a letter saying i owe a debt from original creditor XXXX saying i owe money even though i have a paid letter from XXXX sayings its paid- XXXX continues to call my fathers house to collect this debt and disclosed my information to him and threatens to take legal action saying i committed felony fraud
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

I am writing to file a complaint regarding the inaccurate reporting of an account by Experian and XXXX. The disputed account pertains to an installment auto loan ( Account Number : XXXX ) with the following discrepancies : Experian : Date of Collection/Chargeoff : XXXX Unpaid balance reported as a loss by the credit grantor. 
Inconsistency in reporting the account status. 

XXXX : Date of Collection/Chargeoff : XX/XX/XXXX Consumer disputes - reinvestigation in progress. 
Discrepancy in the reported high credit and original charge-off amount. 
Lack of clarity on the resolution status. 

I have diligently disputed these inaccuracies multiple times over the past two years, in accordance with my rights under the Fair Credit Reporting Act ( 15 USC 1681 ). Specifically, 15 USC 1681 section 604 ( a ) ( 2 ) asserts my right to privacy, and 15 USC 1666b stipulates that a creditor can not furnish an account without my written instructions. 

Despite my efforts to rectify these inaccuracies, both Experian and XXXX continue to update the information with further errors, violating my rights as a consumer. I kindly request your intervention to address this matter promptly and ensure the removal of the inaccuracies from my credit report. 

Thank you for your attention to this issue.
Consumer complaint received 2017-01-25
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ability Recovery Services, LLC (OH)

I was checking my credit report and Ability Recovery Services placed XXXX collections on my account which was supposed to be paid by the insurance company and for which I never received a notice or bill for. When I contacted Ability Recovery Services and asked for a copy of the debt they sent me a XXXX word generated letter and not a copy of the bill from the original creditor which is what I asked for.I again asked for verification since the original creditor had no record of the debt instead of a copy of the bill from the original creditor I received a letter from Ability Recovery Services which had no letterhead and a word document about the debt.The bill was covered under XXXX but the companies refused to resubmit it and XXXX has no record of it being submitted.
Consumer complaint received 2017-01-25
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (AZ)

On XXXX/XXXX/2016 I submitted a debit card dispute from my XXXX purchase in XXXX, XXXX. When I got home from XXXX, I read about all these XXXX scams in XXXX-where I purchased from their factory. I read articles that jade is enhanced for mass production and called XXXX and there is no way to tell if the jade is real or not. No one in my XXXX group bought any jade. Only I made a purchase at the jade factory in XXXX. I was concerned that I 'd been taken for granted by my tour company-who admitted that the tour guide was no professional. Now that I got back from XXXX, XXXX, I realize even more that emeralds are a form of jade. And emeralds have to be very dark and polished to be considered a precious stone that is worth the money I paid. When I hold the jade pendant up to the light, you can see through it. That 's not real emeralds or jade. Rep, XXXX XXXX, gave me a temporary credit. Now USAA wants their money back and USAA knows I am traveling again overseas to XXXX because U go through their USAA Explore and TRavel Agency in XXXX, AZ. I feel USAA is retaliating against me for complaining and closing my bank accounts. I closed them because of the fraud charge from XXXX/XXXX/2016 that was not resolved and I felt was an inside job at USAA. I attached the proof that USAA wants their money back but can not find the merchant 's rebuttal. In fact, I can guarantee that USAA ( who usually only has ten business days from the date of the dispute ) is retaliating against me. It makes me very angry. I 'm afraid USAA will re-open my account to make me pay for the {$110.00}. I believe I argued for less but XXXX or XXXX wanted me to get all my money back. THey exceeded their ten business days investigation.
Consumer complaint received 2023-12-29
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. (TX)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (UT)

MACU agreed to remove the late reporting from 2018 XX/XX/2018, XX/XX/2018 and XX/XX/2018 through written statements to the CFPB. This is now the third time BREACHING the agreement. There needs to be some type of monetary damage to the damage done to my credit files or removal of all credit reporting due to multiple breaches of agreement. MACU continues to breach agreements and respond in writing with excuses as to why it keeps happening. These are major violations to the FAIR CREDIT REPORTING ACT. CFPB, Mountain America responds with why the breach of agreement continues to happens and a month later violates the agreement again that is not okay but the credit union expects it members to follow the law completely. How is it possible that a credit union can continuously break agreements and not be fined???
Consumer complaint received 2016-11-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (MD)

XXXX of Virginia, operating by and through JPMorgan Chase Bank, continues to send threatening letters and e-mails alleging debts that I do not owe.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FRANKLIN AMERICAN MORTGAGE CO. (OH)

Please see attached email conversations where we have been lied to repeatedly about an escrow refund check. Also see photocopy of the check, dated the XX/XX/XXXX, along with the envelope dated the the XX/XX/XXXX. As can be seen from the emails and documents, Franklin American Support Representatives did nothing other than send false information out regarding the check. Based on that false information, we asked for a new check, only to have the original check arrive the next day. We immediately notified them by email of receipt and asked to have the stop pay process halted. 3 days later we were told we would have to wait again for the refund. Due to health and work issues, this refund is very important, and we do not trust Franklin American to handle in a timely manner. We also do not feel that Franklin American has acted in a manner consistent with the requirements of a fiduciary regarding these funds.
Consumer complaint received 2023-12-29
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (MN)

I am writing to bring to your attention that my credit file contains a collection entry from your agency. However, I have never received any prior notification regarding this collection. Furthermore, I strongly believe that the debt being claimed is not accurate. According to the Fair Debt Collection Practices Act, I am entitled to request and receive validation of the debt. Therefore, I kindly request that you provide me with the necessary validation and take appropriate action to rectify this matter.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (PA)

I exercised my legal right under the FCRA and asked Experian, the CRA, on multiple occasions to investigate an inaccuracy to remove the inaccurate unknown name from credit profile ( XXXX XXXX ) and to update with the correct legal name ( XXXX XXXX XXXX ). The requests were made to representatives on various occasions on their recorded line with formal written requests made on XX/XX/23, XX/XX/23, and XX/XX/23. ( see attached ) Experian did not provide any proof of verification for the name they have on my credit file. I was assured that the illegal name they are using to identiify me would be removed and updated with my legal name. 

They have not investigated, nor have they provided me any updates to reflect my legal name. I was instructed to mail in a utility bill, drivers license and social security card as proof of my identity and name. The items were sent, but Experian did not update. 

It has been over 3 months since my original requests for correction were made. 

I am in the process of preparing legal action which will seek damages allowed to me under law. I am requesting again that they correct my file immediately and send me my updated credit report reflecting my correct legal name. Maintaining an inaccurate unverifiable name, which does not belong to me, has placed my personal data at great risk.
Consumer complaint received 2023-12-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (AL)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 

15 USC 1681 Section 604 A Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S Code 1681A- Definitions ; rules of construction- Exclusions.- Except as provided in the term " consumer report '' does not include and report containing information solely as to transactions oe experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may treat a payment on or a credit account under an open end consumer credit plan as late for purpose.
Consumer complaint received 2023-12-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO. (VA)

At the beginning of 2023 I did not receive my monthly statement from Chase Freedom Credit Card. I called but was told to wait, that it was probably delayed in the post-XXXX backup at the Postal Service, etc. It still did not come. I complained again. Eventually I was given the balance information and we agreed that I would send payment right away AND that any fees or late charges would be reversed. I paid. My account was corrected. However, J P Morgan Chase still reported me as late on payment the month of XX/XX/2023. For all the years before - and - the time since - I was NEVER LATE. The bank refuses to delete the one month of late payment to credit reporting agencies. This is both very poor customer relations and is offensive to the public because the bank failed to mail me my statement. The problem was caused by J P Morgan Chase 's own operations, NOT BY ME! I voluntarily contact the bank multiple times, but it still did not send the statement. I ACTED IN GOOD FAITH by paying without a statement to verify charges. J P MORGAN CHASE BANK HAS ACTED IN BAD FAITH throughout.
Consumer complaint received 2023-12-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IA)

I am writing in regards to the debt you claim I owe, which is definitely an error. I request that you provide me with a validation of the debt, as required by the Fair Debt Collection Practices Act. 

NCA ( Original Creditor : XXXX XXXX XXXX XXXX XXXX DBA XXXX ) XXXX
Consumer complaint received 2017-01-25
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: Student Services (IL)

I entered into an Agreement with Student Loan Aid ( Now XXXX ) to consolidate and manage my student loans. The loans were consolidated and I began making payments to SLA monthly for the consolidated loan. However, without my knowledge or consent, SLA sought and obtained forbearance from XXXX so no payments were made on my loan, but interest accrued all while I was paying them monthly. Even without the additional interest that accrued because of the forbearance, I have calculated that I paid them {$3700.00} on the loans that were not paid for me as I led to believe.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (ID)

Over the past several years, my lender influenced me to continue applying for forbearance actions with my loans rather than provide me with helpful information regarding repayment plans based on my income. I continued to ask about payments ( specifically, payment options based on my low income ), and continuously ended up using forbearance strategies based on the advise of my lender.
Consumer complaint received 2023-12-28
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TOYOTA MOTOR CREDIT CORPORATION (MD)

I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX CO XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX & XXXX XXXX & XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.
Consumer complaint received 2017-01-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Someone used my personal information to open a checking account with Bank of America, and Bank of America is now holding me responsible for {$80.00} in bounced check fees. They have refused to resolve this with me, I have tried calling in to their fraud department various time, only to be told the only way to handle this is in person at a branch. I have gone to a branch only to be told that they are holding me responsible because they believe the charges are consistent. Consistent with what? This is not my account.