davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-05
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 want to inform the 3 Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-05
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. (MI)

Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. 

162.6 Reasonable opportunity to opt out. 
( a ) In general. A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products or services, unless the consumer is provided a reasonable opportunity to opt out, as required by this subpart. 

( b ) Examples. A reasonable opportunity to opt out under this subpart is : ( 1 ) If the opt-out notice is mailed to the consumer, the consumer has 30 days from the date the notice is mailed to opt out. 

( 2 ) If the opt-out notice is sent via electronic means to the consumer, the consumer has 30 days from the date the consumer acknowledges receipt to elect to opt out by any reasonable method. 

( 3 ) If the opt-out notice is sent via e-mail ( where the consumer has agreed to receive disclosures by e-mail ), the consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable method. 

( 4 ) If the opt-out notice provided to the consumer at the time of an electronic transaction, the consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. 

( 5 ) If the opt-out notice is provided during an in-person transaction, the consumer is required to decide, as a necessary part of completing the transaction, whether to opt out through a simple process. 

( 6 ) If the opt-out notice is provided in conjunction with other privacy notices required by law, the consumer is allowed to exercise the opt-out election within a reasonable period of time and in the same manner as the opt out under that privacy notice. 

Equifax and XXXX are violating my privacy by releasing my non public information. XXXX agreed not to share my information with non affiliates. Equifax is not the credit reporting agency. The ONLY credit reporting agency recognized by the government is the CFPB and Equifax is not a credit bureau.
Consumer complaint received 2016-07-13
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: DISCOVER BANK (MD)

I was unlawfully discriminated by Discover Student Loans. 

I am a co-signer for my sons attending a public university in Maryland. 
The announced XXXX student loan rates today are starting with 3.49 % ( as announced at https : //www.discover.comXXXX ). I have a stable income above average and exceptional credit score XXXX ( exceptional credit score, as defined at XXXX ). However, Discover Student Loans generate the interest rate 4.99 %, that is 1.5 % above the announced best rate 3.49 %. 

Suspecting a mistake, I called to Discover student Loans and takled to 4 employees : 1. XXXX - representative 2. XXXX - representative 3. XXXX XXXX - supervisor 4. XXXX, emp. # XXXX - sr. supervisor These employees and supervisors at Discover Student Loans told me that : a. The decision was made by a secret proprietary algorithm b. Discover, in violation of Federal Law, keeps their criteria secret and they are not allowed to explain me why I was penalized for additional 1.5 % despite my exceptionally high credit rate. 
c. They told that they are involved in market competition and recently developed a scheme to advertise a low interest rate but generate for applications. 
d. Senior supervisor XXXX ( emp. # XXXX ) specifically said that they will not disclose the criteria for best rate and if anybody is getting it. 

Looks like I am a victim of an illegal scheme developed at Discover Student Loans : a low rate 3.49 % is announced, a person with exceptional credit score gets a high rate 4.99 % generated by their secret algorithm and they refuse to explain it. 

Please investigate the issue.
Consumer complaint received 2016-04-28
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (NY)

On XXXX XXXX, 2016, I received a letter from Allied Interstate LLC a debt collection company attempted to collect an debt unknown to me in the amount of {$48000.00}, plus {$140000.00} in interest. The alleged debt total was stated to be {$63000.00}. 

This is an outrage as I do not owe anyone this debt. The letter says that the " debt due is a charge-off '' of {$48000.00}. 

The original Creditor is stated to be XXXX. The Creditor is stated to be XXXX. The Account Number for Allied Interstate is listed as # XXXX. I have not had any business dealings with any of the above referenced entities. 

In my letter to Allied Interstate LLC, dated XXXX XXXX, 2016, I disputed all aspects of the alleged debt and the authority of Allied Interstate to pursue any action of any sort against me. 

I submit that this activity on the part of Allied Interstate is a violation of the Fair Debt Collection Practices Act, 15 USC 1692, and other consumer protection laws as well. They are attempting to collect a debt that is not mine. They are trying to collect some kind of non-existent debt from a securities " Trust '' of some kind - it appears. 

I also believe that they are threatening some kind of legal action, i.e., " If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt : ''. It is my understanding that these types of companies try to initiate lawsuits without properly serving people with the required notices. 

Allied Interstate LLC also states that, " Your creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act, 15 USC 1692 XXXX to sue to collect on a debt for which the statute of limitations has expired. '' EXPIRED!!!
Consumer complaint received 2017-02-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (VA)

I make less then XXXX a year and I was told by Navient before my private loans defaulted I had no more options now they are trying to sue me or garnish me and I can barely pay my phone bill. I 'm trying to get and find a better career so I can pay.
Consumer complaint received 2017-08-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (CA)

This company has no real basis for putting us in collections for the amount they say we owe. I was in contact with the CEO 's office which got me no where, they are extremely rude. The general manager for the complex in which we lived had a lot of complaints against him for kicking people out because he was upset they complained about him..which is exactly what he did to us! They also put this account in collections ONE MONTH AFTER WE LEFT!!!
Consumer complaint received 2017-03-08
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TOYOTA MOTOR CREDIT CORPORATION (CA)

We have a leased XXXX from toyota financial services, they reported us 30 days late negative credit reporting. Our lease contract was expiring, we called and had it extended. This change screwed up their billing cycle as proof we have print outs from toyota website showing no billing statements were ever created for XX/XX/XXXX and XX/XX/2016. We even made double payments when finally thier system accepted our payments. basically their system was not accepting our payments because of the lease extension changed billing cycle/system. we wrote letters to toyota to correct the reporting but they are saying not their fault. No one is even available to speak with in their credit reporting department, i am the co signer, i had perfect credit in the XXXX, always made payments on time. 
attatchments are letter to toyota and printscreen of toyota website showing no statements generated for XX/XX/XXXX and XX/XX/2016
Consumer complaint received 2023-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2016-05-01
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CT)

Sent verification of debt letter, within 30 days of receipt of original letters from Midland ( Credit ) Management ( ADBA Midland Funding ). Did not receive any type of verification or validation of the debt. In addition, after sending the request for verification and cease and desist, I have again been contacted via mail and by phone. 
I am requesting that all accounts with Midland Credit be removed from all three major credit bureaus account due to noncompliance of the Section 809 of the Fair Debt Collection Practices Act.
Consumer complaint received 2017-08-25
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (NY)

I opened and account in XX/XX/XXXX with synchrony ( then ge capital ) and paid it off in XX/XX/XXXX. Since it is Ethan Allen, it is not something I would use every day. I was never notified that this may be happening in the future, or even that it had happened after the fact. I only noticed after checking my credit report. I called customer service today and they will not reinstate. I can only reapply and reopen, which will further hurt my credit. I was in the process of buying a house and this has potentially cost me thousands in interest on my mortgage due to a lower credit rating. All customer service said is they can close an account for any reason at any time and we 're of no further help.
Consumer complaint received 2016-10-04
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (PA)

Offer Bonus trap. Unfair Membership Reward Points deduction from American Express Company!!! 
It used to be a good company for American Express but not anymore. Here is the story. I have XXXX American Express XXXX XXXX XXXX Card which was applied on XXXX/XXXX/2016 due to a promotion offer to get XXXX Membership Reward points after spending {$3000.00} within 3 months. I quickly fulfilled the spending requirement by using the card a lot ( spent about $ XXXX in purchasing items within the promotion period ). So obviously I hit the line quickly and gained the bonus. However on XXXX/XXXX/2016 ( after 3 months ) I noticed that there was a deduction activity happened on my Reward Account that removed XXXX points silently without my attention. I was very confused where this activity came from and thought it was a fraud. So I quickly called the Amex customer service and tried to find out what happened. Surprisingly I was told that it was a decision from Amex after an internal review which I was n't aware of. I asked the reason why there was a review and the customer service explained that there was XXXX transaction on my account that was not qualified to get the bonus points and after the recalculation they decided to remove XXXX bonus points ( it is supposed to be XXXX points, please do a careful review also!! ) since I did n't hit the {$3000.00} threshold from their calculation. I explained it is supposed to be a mistake ( A big mistake )!!! I spent $ XXXX by using the card. The ineligible transaction was only about {$2500.00}. Even excluding that transaction I still should meet the spending requirement. So I further requested the customer service to review my account again since there is a question on the review. However I was told that they could n't help. The review is not allowed to be reopened since it has been done already even there is a mistake on it!!! What a stupid excuse it is!!! I just lost XXXX points because of a careless review which is unable to be fixed? That sounds NOT right to a premium customer and it is not a good service that a financial company is supposed to be having. I am paying {$470.00} premium a year for the product but could n't get any good quality services?? What a joke! The experience I had is totally a market phishing. I am feeling I am cheated and once you cheated your customer and do n't expect the trust anymore from them. I will quit and please do the right things at least and give my points back!!
Consumer complaint received 2017-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

I 'm a XXXX and XXXX. 
My student loan has been sold several times, most recently to Navient. The original amount borrowed was XXXX dollars. 
I graduated in XX/XX/2006 and have been paying XXXX per month since, without fail, and my balance is XXXX even though I 've paid XXXX already. 
When I questioned them I was told that my payments was only being applied to the interest which was compounded daily, but now a portion would be applied towards the principal too.
Consumer complaint received 2016-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I have a a unverified account from Portfolio Recovery. I had previously disputed this account. I have never done business with PortfolioRecovery. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Portfolio Recovery Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Portfolio Recovery Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (OH)

I have contacted Experian by certified letter, telephone, and online requesting the agency correct my information to reflect accuracy in accordance with the FCRA. To date, 31 days later, my report remains the same as when I originally filed my complaint. Experian has sent communication indicating my credit file is accurate and I must contact creditors who made hard inquiries to challenge authorization/validation. I never made these inquiries. Why would it be my responsibility to contact someone I have n't done business with, have n't requested credit from, have n't provided my personal information, or authorized their inquiry? Under the FCRA, I believe Experian has violated my rights as a consumer and is abusing their role with inaccurate reporting.
Consumer complaint received 2016-10-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (KY)

I have tried several attempts disputing inquiries that I have made not made to all the credit bureaus. I did not apply for any job now was I granted credit with and of those companies. I even sent certified letters to those creditors with no response back. I would like for all inquiries to be removed from my credit report.
Consumer complaint received 2016-10-04
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

We are having trouble with BOA for the pass 6 years since thedeath of our father. We inherit this property from our dad. The property was delinquent. I am one of the co administration of the will, when ever I call BOA I have a hard time to get in touch, they keep on saying that i am not on the account and they can not speak to me. For example today me and a counselor from XXXX XXXX it took them 30 mins before they we got verification that they have the information. We call back in about an hour and the process repeats it self. The reason why I am reaching out to BOA is the fact that we are going through foreclosure and we are trying to see if we can applied for a loan modification. They refuse to work with us.
Consumer complaint received 2016-06-06
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO. (CA)

Please look my previous cases I filled with the CFPB XXXX XXXX Chase Credit Card instead to assist me or look for fair viable solution has choose to fight it in sending me some documentations These documentations has opened another 's possible Violations to the Consumer Credit Protection Act due to the fact I 'm not aware of signed Agreement between Chase and myself, as a consequence of it, at this time I would Like to dispute the whole amount owed on this account due to Chase 's Representative response letter to the previous case I 'm Attaching it hereto. In the letter she mentions " AS PER ENCLOSED COPY OF YOU CARD MEMBER AGREEMENT '' Since she mentions an card member agreement, my understanding in an agreement it must be a signature of the 2 parties. At this time I 'd like to ask CHASE thru the CFPB to produce any agreement that I signed with Chase on this Credit Card.Because I was not aware of this agreement until now when Chase responded to my last complaint.
Consumer complaint received 2024-10-28
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Both my minor children have been a victim of fraud and identity theft. I have contacted the credit card companies explaining the accounts were fraudulently opened and my children are minor. The accounts need to be removed from their credit reports, collections, and any other reporting as these are fraudulent. The companies have failed to correct the accounts as well as the credit agencies. 

See police reports of fraud and theft. 
XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report No XXXX XXXX XXXX XXXX XXXX Department Report No. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX XXXX XXXX XXXX XXXX Department Report XXXX. XXXX Federal Trade Commission Report XXXX Federal Trade Commission Report XXXX XXXX XXXX XXXX Report No. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX XXXX XXXX Police Report XXXX. XXXX