davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (TX)

Aldous & Associates , PLLC XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, UT, XXXX To : The Office of Registered Agent for Aldous & Associates , PLLC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX are authorized to administrate ( acting trustee ) on my name, XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to the Consumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and XXXX XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation for Monetary damages. 

Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX XXXX
Consumer complaint received 2018-11-21
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (OH)

XX/XX/2018 - 5 accounts through XXXX XXXX open. 4 at 6.8 %, 1 at 3.4 %. Refinanced at 4.49 % through XXXX serviced. 

XX/XX/2018 : checks for each account to close were instead bundled and fairshared. Now have 5 accounts with XXXX ( for smaller amount ) and 1 with XXXX XXXX. Making weekly payments XX/XX/2018 : caught error and called. Spoke with all 3 institutions to correct error check-by-check in conference call. Was told it would take 2 weeks XX/XX/2018 : nothing changed. Went ahead and paid off 1 loan ( {$300.00} ). By the following Monday, I had credits in 3 accounts at 6.8, a higher balancein 3.4, and over XXXX in one 6.8. Should have been under {$3000.00} total. Have spoken 11 times with the organization since and it is still incorrect. 

XX/XX/2018 : had spoken with an individual that they are issuing a credit to common bond and I would receive a credit for XXXX to the 3.4 account, making the balance XXXX. This was correct. Now have 4 accouns open again with credits and 1 account at XXXX. 

I have repeatedly tried to escalate throughout this process. I spoke with a tier 3 who has an extension. He has yet to return a call. Another escalation escalated to their supervisor who would not come to the phone and provided a 2 day business day turnaround. I received no call. My credit has since dropped 4 points.
Consumer complaint received 2023-06-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I was sent a letter stating that I did not have sufficient flood insurance but my loan servicer, Pennymac. I submitted documents that showed I did have the the proper insurance and they are billing me through some insurance company they hired. 

No response from the company. They are difficult to deal with. Have have poor customer service. I am sure you have heard this before about them.
Consumer complaint received 2023-06-19
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY (TX)

During 2022, I inquired about rolling over my Retirement/IRA accounts to a different bank with my local Wells Fargo bank branch in XXXX, TX. The branch employees gave me some forms to sign for what they said was told was for my retirement rollover. When I was given my 1099-R forms for 2022, I discovered the Wells Fargo ran the transaction as a complete distribution instead of a rollover as I requested. This mistake by Wells Fargo is now causing me to owe a lot of money on my tax return for 2022 and is not what I requested the local branch to do with my retirement money. I am XXXX years old and Wells Fargo did not want to help me at their branch that was closing down, and they did not want to help me when I called their corporate offices to fix this horrible situation. The forms that I signed at my local branch were not explained to me when I signed them. If the Wells Fargo employees had done their job and properly explained the forms, I would not have signed them. I wanted a rollover and not a complete distribution, but Wells Fargo has refused to help me fix the problem.
Consumer complaint received 2023-06-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc. (MS)

In late XXXX I received a call from a woman who supposedly works for Carter - Young ( www.carter-young.com ) whom she said is a debt collection agency. She requested that I settle my debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX I do not owe XXXX XXXX any money. I have receipts where I pay my lease in full through XX/XX/2020 even though I completely moved out on XX/XX/XXXX due to COVID and graduation. XXXX XXXX would not inspect the apartment unit at the time due to XXXX. They required that I send pictures of every room and responded back to me that the unit was return in good shape. Exactly three years later this agency contacts me that I owe {$790.00} for XXXX and XXXX water and sewer fees and carpet replacement. Carter-Young offers to " negotiate '' the fees. I have tried repeatedly to reach out to XXXX XXXX  and they do not answer the phone nor respond to my emails. Carter-Young list their address as XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX Fax : ( XXXX ) XXXX. They also keep saying that they will remove this from my credit report, however : there is nothing on my credit report related to XXXX XXXX
Consumer complaint received 2023-06-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Exeter Finance, LLC. (PA)

Due to covid i was out of work for some time so i did ask for extension on my loan. As of right now my maturity date has come and Im still paying in this car. I called this company numerous of times to ask them for a a copy of the original lease and i have yet to receive it. One minute the company tells me Im paying until the loan is over then another person tells me to trade the car in. I tried to tease the car in but this company is reporting to the credit bureau as it being late but Im still making my payments on time. One person from Exeter finance says as long as Im paying on the car it wont go into repossession another pardon tells me thats a lie bc it will. At this point i think this company is trying to scam me bc they really will not let me keep paying on the car and they keep reporting it as it being late but i made payments on it
Consumer complaint received 2023-06-16
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I have disputed these item several times. I know without doubt that these companies do not have proper documentation saying these accounts are mine. But that is not the only reason for writing/complaining today. The account is being reported with XXXX on two different accounts. One as XXXX ... and the other as XXXX... The account numbers are the same. The amounts that they are reporting differ. And the opening dates don't match. With Transunion it is reported under three different accounts. XXXX  / XXXX  and XXXX  for another amount. Please help to remove these accounts. As they are not mine and reporting inaccurate information.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NV)

I have filed a dispute for XXXX XXXX XXXX to either update or remove all inaccurate information. Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Consumer complaint received 2018-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC (TX)

I contacted Loan Depot in XXXX of 2018 to investigate a possible loan. I made it clear to all on numerous occasions that I was not yet ready to apply for a loan. Further, I made it clear to everyone I talked to, that I was 'shopping a loan ' and doing my due diligence. I specifically and vociferously made it clear that I was not authorizing ANY hard credit checks.

1 ) Loan Depot was never authorized to make a 'hard inquiry ' of my credit 2 ) I never applied for a loan with Loan Depot , giving neither verbal or written permission to check my credit score 3 ) My 'loan ' ( which I never applied for ) was denied because I had not finished the application process 4 ) Two hard credit checks were made to my account, which plunged my credit from a score of over 800 to under 700, making a home equity line of credit at my bank impossible. 

On XXXX XXXX, 2018 I sent the following email to all my contacts at Loan Depot : RE : Customer ID? LOan #? XXXX, XXXX, XXXX, Dear Sirs, The number ( s ) referenced above are from various email I have received from Loan Depot. I don't know whether the numbers represent loan # 's or customer ID.

I am confused as to my recent XXXX rating. When I began the process of shopping for a loan, my credit rating was over 800. It is now in the mid-600 's due to Loan Depot making hard credit checks expressly against my wishes. Furthermore, XXXX  and Loan Depot now report that I was denied credit by Loan Depot for 'incomplete application '. Of course, it is 'incomplete ' .... I never applied, or signed, a loan app with Loan Depot.

Let 's be clear : I never applied for a loan with Loan Depot. 

When talking to your representatives ( XXXX, XXXX, XXXX, XXXX, and others ), I made three things abundantly clear : 1 ) my inquiry was 'soft ', I was doing my 'due diligence ' to survey rates and closing costs and under no circumstances was my inquiry to be taken as an 'application ' because 2 ) I did not want hard credit checks dinging my rating while I shopped my loan, and 3 ) I was not applying until I had all the required documentation gathered.

The 'how & why ' an application that was never submitted or signed by me, was denied by Loan Depot , is irrelevant at this juncture.

What is Loan Depot going to do to correct the situation? 

regards, XXXX XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

On XX/XX/year> and XX/XX/year> I requested to Experian correct my address. Experian has refused to do so ; I provided all the documents requested and they still failed to correct my address. My Correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. Please have them correct this immediately and resubmit the corrections to whoever they shared this information with although I have opted out of them doing so, they still to honor my request. The address in this complaint should be the only address on my credit file. I have provided my identity theft report to Experian of being a true victim of identity theft, regarding this XXXX XXXX XXXX that is reporting on my credit file, I'm unaware of who they are, and Experian response has been crickets in this matter. I have also reached out to company and have yet to get any response. My next step in this matter is to seek litigation moving forward. This deceptive reporting is defying my character and ruining my creditability. I also requested an investigation on an unauthorized inquiry on my credit file but it has been ignored. I'm a consumer that has the right to request an investigation on my credit file for deceptive and false reporting. According to the FTC and the FCRA, I as a consumer have rights.
Consumer complaint received 2018-12-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (GA)

on XXXX XXXX XXXX I paid XXXX to Great lakes to payoff my Student loans for XXXX College for our one semester in Spring/Summer of XXXX XXXX XXXX XXXX XXXX XXXX Has been closed Since XXXX of XXXX Because of the 48 hour special We would like Great Lakes to Return Our Money Since This School XXXX College Never fulfilled their obligations For their Students Thank you for your time and hopefully for your future Integrity..
Consumer complaint received 2018-12-12
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NJ)

I should have had counseling to ensure i could repay a loan higher than that secured by homeowners for mortgages and with higher interest rates. 
i should not have had my payment triple in one year under IBR when my salary did not.

i should not have been approved for loans amounting to 100 times my yearly salary.
Consumer complaint received 2018-11-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc. (TX)

I have previously asked that this account be validated that I owe it by ProCollect way back on XX/XX/2018. 
They have yet to do this. 
They sent me a suspect " copy '' of an alleged lease that they are claiming I owe. 
The lease is to " XXXX XXXX '' apartments. What this has to do with ProCollect is a mystery to me. Unless Procollect is a subsidiary of XXXX XXXX this does not show that I owe Procollect anything. 

I've attempted to get validation through all three credit bureaus at least twice and they refuse to validate or remove from my credit reports violating my FCRA rights. 
I will be filing a complaint with the XXXX and FCC office along with this. 

Secondly I was NEVER notified of such alleged debt nor that I had the ability or right to dispute it within 30 days. I'm asking for proof that the notice was sent to me at a legitimate address of mine. 

I have attached the original letter sent to Procollect and date along with a dispute to XXXX credit bureau.
Consumer complaint received 2018-11-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (DC)

The company XXXX is sending aaadvantage credit card offers to our XXXX year old son. I dont know how they got his name but if it was from an XXXX XXXX ticket he would have been listed as a lap infant or child. Why are they sending him credit card offers?
Consumer complaint received 2018-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I been checking my credit and I have found some late payments in my XXXX XXXX  account # XXXX from XXXX XXXX and account # XXXX from XXXX XXXX XXXX, under FCRA,15 U.S.C 1681 I'm  requesting the physical proof of these late items with according with FCRA you should have on file in order to provide one hundred percent accuracy on these report.
Consumer complaint received 2018-12-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

XXXX XXXXXXXX XXXX XXXX  XXXX {$480.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, reportability of this listing. 
There is no contract or valid claim I also contacted original creditor ( XXXX XXXX XXXX ) I want this account removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice
Consumer complaint received 2018-06-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (TN)

IVE TIRED SEVERAL TIMES TO CALL THIS COMPANY AND THEY KEEP SAYING THEY HAVE NO INFORMATION ON ME. ALSO SENT LETTER TO SHOW THIS WAS MY ACCT BUT THEY DIDNT SEND BACK ANY VALIDATION OR VERIFICATION THAT I REQUESTED. SENT LETTER ON XX/XX/2018 STILL NO RESPONSE FROM THIS COMPANY
Consumer complaint received 2018-06-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY (CA)

I opened a claim for my pay going into the wrong debit card. I was told wells Fargo couldn't not help. A month later I was told the pay was debit from the wrong acct but I was never credited nor notified. I am now waiting 2 months for my pay and wells Fargo doesnt know where they put my money. {$960.00} .
Consumer complaint received 2023-06-19
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: EQUIFAX, INC. (MI)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2023-06-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (LA)

Since the first of the year for 2022, I was not working. My husband is a XXXX veteran. I did not start working till XX/XX/2022 for a temp agency ( which I am currently still working for ). I contacted USAA to let them know I had just started back working and we had exhausted all our means of funding ( including 401k ) to keep our bills afloat. I called them, to see if they could lower my monthly bill. My other credit cards gave me a fixed low interest rate for a few months, to help me till things got better. A representative at USAA told me they do not help or assist until your account is 3-4 months behind in payments ( which was shocking to me ). So I paid what I could during that time, and the balance continued to rise along with the minimum due. From XX/XX/2022 to XX/XX/2022 the minimum went from {$280.00} to {$1800.00}. I asked could they remove or not bill for the interest to help, all they did was cut the late fee in half to {$25.00}. It got to the point I was over my balance by {$1000.00} or more. So my husband had to go borrow off his credit card ( they gave him cash ) to pay USAA to help me get the balance down some. When I finally got the card under control, then they raised the interest rate. So now my minimum has gone up. This is ridiculous!!! 
I just recently applied for a credit card with my bank to pay USAA off in full ( 0 % APR for 18 months of transfer balance ) the bank did not approve me for the full balance of XXXX. But someone at the bank accidently sent USAA {$1300.00}, so I called USAA to forewarn them, if they see the payment to NOT to accept it. They accepted it, which does not surprise me. My husband and I have been with USAA for yearssss. I would not recommend them to NO ONE!!! My bank is working on recouping the payment they sent in error.
Consumer complaint received 2023-06-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

For the past several months, around the middle of the month, my Trans Union and XXXX scores plunge between XXXX and XXXX points with no noticeable changes to warrant such steep drops. Sometimes they are corrected within a few days, however, other times they take more than a month to be corrected. This has been occurring almost every month since it began in XXXX, 2023. I have taken screenshots of the trajectories of these accounts per line- graphs as well as screenshots documenting the erratic behavior of these accounts/reports. 

This is not singularly occurring to my reports. A close friend woke up last month to discover that she was deceased and that all the accounts on her report had been closed and her credit score was " XXXX ''. Many complaints and comments regarding this same behavior have been posted on sites like XXXX and others. XXXX does not seem to have the same instabilities as XXXX and Trans Union regarding this issue. 

I have been denied credit and/or been assessed higher interest rates because of these issues and may decide to seek relief through the Federal Courts if something is not investigated and resolved with the two aforementioned bureaus. 

Thank you in advance for conducting a thorough investigation into this matter.