davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JH Portfolio Debt Equities, LLC (CA)

Hi, Here is the situation : XXXX ordered XXXX credit card on behalf of me without my permission as a replacement for XXXX XXXX card. [ XX/XX/XXXX ] I had no idea about the existence of this card until I got a call from XXXX stating that I haven't paid my bills. This call was around XX/XX/XXXX and the fraudulent charges were incurred in XX/XX/XXXX. Apparently someone intercepted the card and used it. 

I contacted XXXX stating that I never had seen the card and the entire amount was completely fraudulent. XXXX mentioned that they will investigate this as fraudulent and close this. 

However, they didn't close this issue, and kept on sending 120 days non-payment notice to credit bureau. I contacted them multiple times between XX/XX/XXXX, and they finally said that the issue is closed and the credit score also reflected that the issue is closed. [ XX/XX/XXXX ] Now, in XX/XX/XXXX, I got a mail from XXXX stating that they have sold my debt of {$890.00} to JH Portfolio Debt equities LLC. 

I called up XXXX and gave them the details on situation, but they said that the account on their side is locked. 

I got another mail from XXXX & XXXX who is trying to collect the debt of behalf of JH Portfolio Debt equities. 

I am attaching : 1. My mail exchange with XXXX, when I first received the Credit Score degradation. 
2. Letter from XXXX that they are selling the balance to JH Portfolio and Debt Equities LLC. 
3. Letter from XXXX XXXX XXXX XXXX collector. 

Thank you for your help. 

-XXXX XXXX Personal Details [ to be removed before any posting ] Here are the other details : Original Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor : JH Portfolio Debt Equities LLC XXXX XXXX XXXX File Number : XXXX Current Balance : {$870.00} Address : XXXX & XXXX , XXXX . 
XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NJ XXXX Phone : XXXX ; Fax : XXXX JH Portfolio Debt Equities. LLC XXXX XXXX XXXX, XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Consumer complaint received 2018-03-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (GA)

I disputed an account with all 3 credit bureaus regarding Diversified consultants in which they purchased or inherited an account from XXXX XXXXXXXX XXXX {$580.00} XXXX after I asked the to validate this account and they could not validate, and now I have asked Diversified Consultants to validate this account as well, and they did not validate. But they are still reporting this inaccurate account on my credit
Consumer complaint received 2018-03-11
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. (FL)

I SENT EXPERIAN SUPPORTING DOCUMENTS IN REFRENCE TO COLLECTION AGENCIES XXXX XXXX XXXX XXXX XXXX XXXX THAT IS NOT LICSENSED NOR BONDED IN THE STATE OF FLORIDA WHICH IS A VIOLATION PER FLORIDA OFFICE OF REGULATION AND ADVISED THEM TO DELTE IMMEDIATELY
Consumer complaint received 2017-05-03
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (GA)

I 've contacted  Navient  regarding my student loans and that it shows I was 120 and 90 days late on paying, which was not the case due to the fact that my student loans are in deferment status. Navient representatives have notified me that these were going to be removed but they are still on my reports, hindering me from credit and other opportunities.
Consumer complaint received 2018-01-29
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

My mortgage was one of the thousands of mortgages caught up In Countrywide Fraudlent Mortgage Practices '' The law firm working with Countrywide was Disbarred for his fraudlent practices. 
I have spent thousands if dollars defending my home and my Credit records. 
I have and also have paid several attornies who have also requested under RESPA- FDIC and other documentations Such as QWR from these companies who now claim they own this fraudulent mortgage. 
On XX/XX/2016 I mailed another request by certified mail # XXXX to all addresses listed for XXXX with only an acknowledgement letter from them stating that they have received my request but still no other response was received from them. 
Now they have listed a whopping {$760000.00} Balance on my Credit report with XXXX  and other reporting agencies. 
Which I have DISPUTED but it is still listed on my account XXXX have not sent me any proof from the company to justify them having it remaining on my Credit report. 
Please note also that this DISPUTED mortgage have been dismissed in the XXXX XXXX Court Once by the court and second by XXXX who withdrew their case after the court ordered us to go to mediation of which they stated ( at mediation ) that they showed up at the mediation only because they were ordered by the Judge XXXX, but have no intent of trying to work out anything. ( They did not act in good faith ) made me waist my money and time as I had to pay half of the mediationvfees along with attorney fees XXXXas well ) Then they filed the enclosed motion withdrawing their case. ( see enclosed ) Please have this company remove this false reporting from my Credit Report which is causing me GREAT HARM. 
Thank you XXXX XXXX
Consumer complaint received 2018-01-29
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: NCB Management Services Inc. (MD)

NCB Management Service Inc. does not have a signed contract that states I agreed to pay NCB. This account is past the Maryland Statue Of Limitation on debt collection, while NCB is reporting this account as current with the credit bureaus. Although it is noncollectable. Reporting a different removal date from the original account holders. Despite numerous certified letters NCB always make the claim they are investigating this matter, yet never send a correspondence telling the results of the investigation. These are just a few of the many violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act that NCB Management Services Inc. continue to violate.
Consumer complaint received 2018-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HONOR FINANCE, LLC (NV)

XXXX XXXX XXXX, Extortion, Predatory lending, Incompetent Employees, Inaccurate reporting, the list goes on. 
The amount is, {$4400.00} They somehow managed to still say that I owe, when I've paid well over {$13000.00} so far for a XXXX XXXX XXXX.
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (PA)

I was recently accepted into the Public Service Loan Forgiveness program, and was instructed to make my payments as usual to my current student loan servicer ( Mohela ). 

On XX/XX/2018 I made an online payment to my student loan servicer, Mohela, for {$830.00}. I received an email confirmation of the received payment that same day. 

Mohela processed this payment on XX/XX/2018 and {$830.00} was withdrawn from my XXXX checking account. 

My student loans were then transferred to XXXX XXXX on XX/XX/2018. The payment of {$830.00} that was made to Mohela on XX/XX/XXXX was not transferred to XXXX XXXX. 

On XX/XX/2018 I was notified via mail that my student loan had successfully transferred to XXXX XXXX. I also received a notice via mail on XX/XX/2018 that my XXXX payment was past due. The scheduled payment date listed for XXXX XXXX was XX/XX/2018. 

Upon receipt of this notice, I called XXXX XXXX immediately to resolve this situation. The service representative informed me that any payment I made to Mohela in early XXXX should transfer in a few business days and be applied as a credit to my XX/XX/2018 payment, but that I will need to make a payment that would cover both XXXX and XXXX. On XX/XX/2018 I made a payment to XXXX XXXX for {$1600.00}. 

As of today, XX/XX/2018, I have yet to receive notice and application of the transfer of funds I paid to Mohela for XX/XX/2018. At this time, I am currently being billed for {$830.00} for XX/XX/2018.
Consumer complaint received 2018-01-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY (CA)

I requested a copy of a fraudulent application that was submitted to American Express in my name and using my social security security number on two different occasions. They responded by requesting a police report, affidavit and a photo copy of my state id. I returned the requested documents. However they wrote me back saying the exact thing they said before that they could not send me a copy of the application without a police report. Which I have already sent in by certified mail. 
This company is refusing to send me the requested application. And also the hard inquiry is still appearing on my credit report.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (TX)

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX # XXXX*I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX  Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX # XXXX
Consumer complaint received 2018-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (GA)

I am deeply upset that XXXX continues to repeatedly violate my consumer rights. I am writing in response to XX/XX/XXXX dispute results, for the second time same issue. BK # XXXX from was removed from my XXXX credit report and later reinserted without notifying me " XXXX XXXX ''. Said act is a violation of my consumer rights according to section 611 ( a ) ( 5 ) ( B ). Which applies to situations where the information was previously deleted/removed based, on a finding in a dispute that the information was inaccurate, incomplete or could not be verified. Based on this violation, I am requesting/demanding BK # XXXX be permanently deleted once again. If this matter is not deleted immediately, I will pursue legal action based on the facts my consumer rights are repeatedly violated by XXXX. Due to this inaccuracy being reported my family and I are being affected. I am on XXXX XXXX from the XXXX of repeated calls, writing letters, filing complaints to all 3 major credit bureaus getting ridiculous interest rates while applying for home and car loans. 

XXXX  continues to report a fraudulent addresses of XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Georgia XXXX and XXXX XXXX XXXX  XXXX, XXXX, Georgia XXXX. This address has " NO '' affiliation to me or any relative of mine, therefore any mail/utility bills of any kind using my name, SS # and DOB is fraudulent. I am demanding this address be updated and deleted permanently. I have previously attached bank statements, utility bill and photo ID.
Consumer complaint received 2018-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (AZ)

on XX/XX/XXXX I received an notification via e-mail from XXXX letting me know that there was unauthorized use of my account, to change my password. ( Which I did right away ). There was a purchase made for a {$9.00} XXXX and {$140.00} shipping. 
On this very day I called my bank Chase, and made a claim to have my funds returned to me {$150.00}. Chase Bank soon gave me a temporary credit of {$150.00} while they did their investigation on XX/XX/XXXX A month later, I noticed on my bank account that there was a claim reversal for the same amount. I called my bank, and they had informed me that my claim had been denied, stating that my XXXX account ( where the funds were drawn through ) had sent a letter to my bank XXXX stating that this transaction was a valid one, that they would be able to re-open the claim if I was able to send proof that this transaction was not made by me. 

I faxed over the email from XXXX of the unauthorized use of my account, my XXXX XXXX where it shows that there was no transaction on such dates, the notification from XXXX where they had removed the Merchant from which this item was supposedly purchased from. Chase made me wait 3-5 business days before I could get an answer on my new claim. I called back on XX/XX/XXXX and Chase had informed me that my claim had been denied again, because there was a tracking number from the merchant where it said that the item had been delivered on XX/XX/XXXX, this is not the case. I never received any merchandise from XXXX or their third part sellers.
Consumer complaint received 2018-01-29
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A. (CA)

I have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THE ACCOUNT TO BE VALIDATED, WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send you that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California XXXX ACCT. CBNA # XXXX If account can't be VALIDATED it must be removed
Consumer complaint received 2018-01-29
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Consumer complaint received 2018-02-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (DC)

I am enrolled in Public Service Loan Forgiveness and as a result have FedLoan Servicing as my servicer. I have continual problems with them as my servicer. I recently got married and changed jobs per my contract I submitted new information for my Income Driven Repayment. When I did so I got a message saying this had been approved on XX/XX/2018. Then on XX/XX/2018 I received a message saying my IDR request was denied because it was too early for my annual re-certification. At the time I was traveling so on the morning for XX/XX/2018 I called as was told that the rejection message was automatic and did not apply to me since I had a change in status. The representative reported to me that my new IDR repayment would begin on XX/XX/2018 ( this is what I expected ). I logged into my account that night to see that a forbearance period had been applied to my account for XXXX. I never requested this. I was fully expecting to make my payment for XXXX. I called the evening on XX/XX/2018 and spoke to someone who reported that yes, this had been applied and that I would need to speak to a counselor to have this resolved. I was transferred and then was on hold until they closed at 9pm. I called back today XX/XX/XXXX and a counselor removed the forbearance but let me know that it would take XXXX business days. I asked about my XX/XX/XXXX payment and they reported that I should log back in on the XXXX and if it didn't go through to call again. I was on hold for 20 minutes before being able to speak with someone this evening. 

The poor service I receive from the U.S. Department of Education is not acceptable. My interest accrues daily. Each day I wait for them to resolve an issue costs me {$30.00} in interest. It is so concerning to me that a forbearance was applied to my account without my knowledge- especially given how quickly interest capitalized on my account. Missing one monthly payment that I was fully prepared to make will cost my thousands over my repayment period. It is also unacceptable to have to continually call back- and very difficult to do so since I work two jobs in order to repay these very loans.
Consumer complaint received 2018-01-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (CA)

I bank with Wells Fargo, and there were charges made to my account which I did not authorize. I initiated a claim ( claim number XXXX. ) The bank reversed the unauthorized charges, and I gave them a copy of my identity theft report filed with my local police department. I believe that I knew the individual who was using my card and information, I believed it to be my Ex Fiancee. 

The claim was handled, and the money was returned to me. Upon further investigation of my account, I found more charges that I had to dispute. Wells Fargo Claims Assistance Center added these newly found charges to the same claim number ( # XXXX ). I never received the money back from these fraudulent charges. 

I was contacted by Wells Fargo High Dollar claim department, and was asked questions about when/where I had my debit card and informed them that it was on me at all times, but that these charges were made through merchants that had my debit card information saved on file, such as XXXX and other merchants. I was told that I would have the rest of my money returned to me the same day as long as they could get upper management approval. 

Two days later with no money returned, I called the bank and asked them to read the investigation notes to me. According to the notes, that bank was not going to issue my money back because I had my debit card in my wallet at all times, despite the charges being made with the card NOT present, nor swiped. The notes continued to say that I was liable for all charges because I likely knew the person using my card information, even though I never gave them permission to use it and it was true fraud. 

Wells Fargo never refunded the fraudulent charges made to my account, and also reversed {$3600.00} and {$570.00} from claim number XXXX. 

My account is negative, and this has impacted my life immensely. My account is plagued by overdraft charges from automatic payments and the bank has still not refunded my money from these fraudulent transactions.
Consumer complaint received 2024-11-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : 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 XXXXXX/XX/XXXX