davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ABR Recovery Services LLC. (KY)

ABR Recovery Services continually violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act.

ABR Recovery services contacted my in XX/XX/XXXX though the telephone, stating that I owe them money based off a collection account I had with XXXX XXXX. I instantly told them that I was in the process of paying this debt off with XXXX XXXX XXXX. I had disputed this account with XXXX XXXX in XX/XX/XXXX and they furnished account verification within 30 days. I setup a payment agreement and completed it.

After speaking with ABR Recovery in XX/XX/XXXX, I emailed them the information they requested on XX/XX/XXXX on my payment agreement with XXXX XXXX, and I requested account verification from them. The company never responded to the email or furnished account verification to this day.

They proceeded to place a collection account through all 3 credit bureaus. I instantly disputed the accounts and they were removed. They again were placed there in XX/XX/XXXX and I disputed the account again. I contacted ABR Recovery Services on XX/XX/XXXX and furnished the payoff letter from XXXX XXXX. The account was removed again, only to be placed back on there multiple more times since.

ABR Recovery Services has violated my rights under the Fair Debt Collection Practices Act : 1. They continue to try to collect a debt they have knowledge has been paid and is not owed to them.

2. Threatened legal action against me 3. Furnish false information to the credit bureaus ; XXXX, XXXX, XXXX.

ABR Recovery Services has violated my rights under the Fair Collection Practices Act : Fair Debt Collection Practices Act Section 809. Validation of debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.

Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), ABR Recovery Services, is required by federal law to verify through the physical verification of the original signed certified consumer contract of all accounts I request to be posted and or reported on a credit report.

I have submitted multiple complaints through the Consumer Financial Protection Bureau to no avail. How can a company continue to operate outside the law and violate my rights afforded to me though the above mentioned laws?
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Balance transfer — 
Company: WELLS FARGO & COMPANY (NJ)

Wellsfargo credit card has promotional 0 % balance transfer and it 's good product but i have noticed on my statement that where it says " promotional balance '' it says the balance owned and the APR and balance subject to interest rate and days in billing cycle and interest charge. Now what is missing which is critical information is the date the balance is due. I find that something that needs to be fixed asap. It 's not fair toe the consumer not to be able to have that info on the statement. Thank did say that it 's for " security reason '' but she her self and her supervisor said that does n't make senses either. but i wanted to the BCFP to look at this and fix the issue.
Consumer complaint received 2016-08-17
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GVA Holdings, LLC (DE)

Received 2 threatening phone calls from according to the message the AG office in TX, I am in Delaware and the payday loan is for CashAdvance. They are stating that I am in default of this loan. I do n't have a 'Payday Loan ' with CashAdvance. It is a scam, I know this as they attempted this on me before several times. The XXXX numbers are coming from XXXX, TX and they are XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX both calls indicated that they were going to have the State Police come arrest me and throw me in jail. To me this is a threatening phone call. The person speaking had a foreign accent and was the same person both days.
Consumer complaint received 2017-06-09
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: South Mississippi Collection Services Inc. (MS)

O n XX/XX/XXXX  I was served a summons for a medical debt with multiple accounts dating back to  XX/XX/XXXX . I li ve in Mississippi, which is also where the debt was incurred. The statue of limitations is 3 years in Mississipp i, Medical debt is exclud ed however only when due to a government entity  ( ie-county hospital ). This debt is from a privately owned   XXXX   XXXX   XXXX   and was assigned to a   collections agency at 60 days. The judgment issued is for  XXXX  different  XXXX , which they rolled into   XXXX .  I attended the court hearing and brought up the statue of limitation and also questioned debt collector on the agreements for the debt, which they did not have. The judge allowed a continuance for the debtor and I will have to attend court again o n XX/XX/XXXX . The ju dge said medical debt is not subject to the statue of limitations, however I have also attached a letter from the attorney general which provides proof that this debt is invalid. I would like to file a FDCPA complaint
Consumer complaint received 2017-06-09
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (TN)

I have conta cted American Education Services with regards to my monthly payment on numerous occ asions the most recent being   XX/XX/2017 . My in terest rate is constantly increasing and so are my payments. When I contacted them to seek options of lowering my payments I was advised that there is nothing that they could do because my loans are private and income sensitive repayment plans are only for  Federal Student Loan s. I have  XXXX  loans that are serviced b y American Education Services.     XXXX  has an interest rate  of 7.35  and  XXXX  other is  8.03.    I 'm currently making a monthly payment of  XXXX  dollars a month and in   XX/XX/XXXX  m y payment is going up by over  XXXX  dollars which would make my payments around  XXXX  dollars a month.   I make  XXXX  after taxes and I ca n't afford to make the payment after the increase takes affect. I have been paying on my loans for a couple of years now but the principal balance barely decreases because my interest rate is constantly increasing and I 'm told there is nothing that they can do to lock the rate nor to take my income into consideration for repayment purposes.   There are laws in place for Federal loans, but I 'm told because my loans are private they are not regulated and therefore I 'm forever a   XXXX    of American Education Services until t he da y I  XXXX  or   pay off my loans which is impossible to do hence the payment and the interest rate constantly increases.
Consumer complaint received 2017-06-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

I am receiving harassing letters in the mail from a company by the name of  Portfolio Recovery Associates, LLC  demanding that I pay them for a debt that is not mine. I have seen this company on all three credit reports (  XXXX ,  XXXX , and  XXXX  ) I have DISPUTED with the bureaus by sending certified letters to each  one a sking the credit bureau and company asking for proof/valididty/andverification ; because I am not aware of EVER doing business with this company. I ha ve YET to get an y proof or signature or contract ; because there is no contract. I have disputed all of these accounts twice ; first attempt was  XX/XX/XXXX , second attempt was XX/XX/XXXX  After further research the second complaint I have is they will not validate the " debt ' they claim I owe to them. I did NOT sign a contract with this company and have never identified as such " debt '' with them. Next complaint, they are not licensed to collect in the state of Arkansas. The original company has been paid and my account has been closed with them. I have no relation ship with this company Portfolio Recovery Associates, LLC. Iv e never spoken with a representative and have neve r signed one singl e piece of paper or verified any information regarding my identity to them. As of  XXXX  I have sent out certified letters asking the company to cease and desist from contacting me or I will persue legal action ; as it is my right. This complaint with CFPB is my first step, and then legal action will follow. I have rights as a human being, a n American citizen and as a consum er and these companies are taking advantage of people whose debt does not belong to them and has already been paid. The company they claim they are on behalf of has told me I do not owe them a debt and the account is closed.  Portfolio Recovery Associates, LLC h as done inquiries on my credit without asking me and without permission ; this is a VIOLATION of my privacy and personal information that I DID NOT give them access to. I have NEVER given this company my social security number or spoken with anyone giving permission to run the credit report this is FRAUD! I have copies of the following inquiries placed without my permission Dates are as follows :  XXXX  :   XX/XX/XXXX ,  XX/XX/XXXX , XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  ....  XXXX : XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  ...  XXXX  : ill have to research but there is about  XXXX  on there as well. This company is illegally pursuing debt collection and it is not fair to the common people.
Consumer complaint received 2018-05-29
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

My name is XXXX XXXX and I have been a navient / sallie mae customer since XX/XX/XXXX. I graduated in XX/XX/XXXX and have made all my payments for 12 years straight up to XX/XX/XXXX with over 90,000 dollars of interest.

The original principal on the loans ( 6 separately scams ) were XXXX + capitalized interest at the tune of XXXX dollars in XXXX but that's separate from why I'm writing you.

I lost my job in XX/XX/XXXX and have received harrassing phone calls from the company at the tune of 20+ calls a day for the last 9 months.

I have read about suits being awarded individuals who have received 300+ phone calls from this company in a matter of weeks. We are getting about x18 the amount of calls from them.

Additionally they have ruined my XXXX credit rating and taken every dollar I've had left.

If you have time to speak or think you could help in any way please reply to this email.

My number is # # # # # # and will have a cell phone soon since I was lucky to land 2 jobs. I'm trying to avoid going through this for another 12 years since I was rarely unemployed and very credit worthy before their ruins. There is about 65k left on the loans so we basically got nowhere after their games the last 9 months.

I'll be obtaining a call log from XXXX since they use 5-6 numbers to call me roughly every hour, sometimes twice an hour.

Thanks so much for your consideration Navient is the servicer and they are private variable rate loans since no one wants the debt or co sign liability.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Credit determination — 
Company: TD BANK US HOLDING COMPANY (MA)

I am respectfully requesting that Ally Banks processes be verified in regards to discriminating against lawful residents that are not U.S Citizens. I have experience discrimination in several degrees throughout the process of applying for accounts and a credit card with Ally Bank. I have never experiences any issue with other banks as my credit report portrays me as a reliable borrower, however, Ally Bank requested verification documents to prove my identity. After I sent my non-american passport along with documents proving that I am a U.S resident and bank account statements, Ally Bank still rejected my application. Every time I have reached out to have the situation analyzed, they have simply submitted my application for reconsideration without any updates or changes to their decision. I have been made very upset when agents would state that Ally Bank is an agency for U.S citizens alone as a I know that should not be the case. 

If you have any information that may be helpful to me, I would appreciate it very much. 


XXXX, XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2016-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (IN)

I have not worked for over 3 years and have reported this to my student loan. I filled out the form for financial forbearance and sent it in. I began receiving harassing calls from Pioneer Credit Company at which time I told them that I was out of work and could n't pay, and to please stop calling and harassing me and when I got a job I will pay. The harassing phone calls did not stop. After I stopped answering the calls they began to harass my wife and now my neighbors. They have left messages on my neighbors phone letting them know that they are trying to collect a debt from me. They are telling my wife that it is her responsibility to pay for my school debt.
Consumer complaint received 2016-08-17
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (MI)

Approximately 2 months ago I tried to cancel credit monitoring I had signed up for through XXXX credit reporting agencies. The first agency I tried to contact had no, absolutely NO information on their website under my account of how to cancel. After more than an hour of frustration I finally contacted my credit card company, XXXX Bank and was told the only way they could block the charges would be to change my credit card and account number. The representative assured me that once the account number was changed that the charges would be denied and no more charges would be allowed. I was told that would work with both of my credit monitoring subscriptions, XXXX of which essentially refused to cancel my account through either no information detectable ( XXXX ) or LONG telephone wait times ( XXXX ). 
This complaint is not with either of the credit monitoring services it is with Synchrony Bank. The bank representative told me that once I changed my credit card and account numbers that if I wanted to keep ANY automatic bill pay, like the credit monitoring services, that I would have to update my credit card information with each vendor. I filed a complaint with your agency regarding XXXX and my account was finally successfully closed. I received an email from XXXX on XXXX/XXXX/16 saying there was a problem with my account, namely that they could n't charge my credit card anymore. So I thought that the issue was resolved. WRONG! Sometime between then and XXXX XXXX, 2016 Synchrony Bank violated my privacy and disclosed my new credit card information to XXXX who then updated my account and charged me for the credit monitoring again, twice ( XXXX and XXXX/XXXX/16 ). 
I understand that Synchrony bank reports my credit card account to the credit reporting agencies, but this disclosure of PRIVATE information for the other retail activities of said credit reporting agency is NOT acceptable. It is a violation of my privacy, unauthorized disclosure of private information and contrary to what their representative told me was the remedy for my EXPRESSED concern. 
Now if XXXX took that information for credit reporting and used it for other purposes than the expressly authorized purpose of establishing and maintaining my credit report, then perhaps XXXX is the violator. But when I brought this complaint to the attention of the Synchrony Bank representative when I disputed the charges, I was told that I had an ongoing authorized charge and therefore they ( Synchrony Bank ) could disclose the updated account number to the errant entity wishing to continue charging my account AFTER I was told that changing my account was the only way to stop these charges since the vendor ( XXXX ) refused to handle my call in a timely manner.
Consumer complaint received 2016-08-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WY)

I recently suffered the loss of XXXX my vehicles along with real estate damage due to a hail storm. I went in to purchase a new vehicle only to find out that my mortgage company ( Ditech ) is still reporting my mortgage in foreclosure despite having cleared the matter 3 months in advance. I was told that even as late as last month they are reporting it in default and foreclosure even though it 's current and has been kept current for 3 months. Little to say, I finally got a vehicle, but because of the continual dings on my credit from my mortgage company, I can no longer get an even half way favorable rate on a loan.
Consumer complaint received 2016-08-17
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: EQUIFAX, INC. (TX)

I have a credit freeze on my credit with Equifax. Recently, I went to purchase a new vehicle and asked Equifax to do a temporary Freeze Life which should have cost me {$10.00}, but instead was charged {$40.00}. I 've recently spent the last day and half trying to get reimbursed for the {$30.00} overage to no avail. A simple solution would be to have my Credit Card company not honor the charges, but I know that Equifax will then place a {$30.00} charge off on my file. When I call their toll free number I 'm connected to an Offshore Representative who transfers me to the U.S who in return transfers me back to an Offshore Rep. It would really be nice for all Executive Officers to go through this process, oh well, does n't hurt to dream.
Consumer complaint received 2018-08-07
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC (CA)

National Credit Adjusters , LLC is collecting on an original debt from XXXX XXXX, an online loan lender. Representatives from Credit Adjusters are calling my cell phone nonstop using repeat auto dialing, they are calling my place of employment repeatedly, and talking to others about my debt using strong language and in a tone that would suggest that I'm being sought after because I am in trouble with the law.
Consumer complaint received 2023-04-12
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. (MO)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2023-04-12
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: Experian Information Solutions Inc. (SC)

I'm very outraged that you put the following details in my consumer report and that you didn't follow acceptable operating standards to ensure the highest level of accuracy in the credit reports you publish. Credit reporting laws make guarantee that bureaus and organizations only publish credit data that is entirely accurate. To ensure that the information given is entirely true and correct, every precaution must be taken. I am receiving treatment that is unjust and unfair. And they have taken on a significant role in my life and, through a false consumer report, have seriously harmed my future. Therefore, I'm emphasizing their need to act fairly, impartially, and with respect for all consumers ' rights to privacy. And the data breach that occurred where my information was mishandled I would like these removed urgently or I will take further action to get the results I demend.
Consumer complaint received 2023-04-12
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. (GA)

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2023-04-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

In accordance with the Fair Credit Reporting Act, XXXX ( account ending in # XXXX ) listed on my consumer report has violated my rights as described below : 15 U.S.C. 1681 section 602-A states I have the right to privacy 15 U.S.C. 1681 section 604 -A Section 2 state 's a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1666B states a Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose