davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-10-07
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Synovus Bank (TX)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper 5-step validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2021-04-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (ME)

My complaint is with XXXX  and fedloan servicing. I was told that I had to make monthly payments of about XXXX dollars a month and when I couldn't pay they continually told me to go into forbearance. I asked about public service loan forgiveness- I work in healthcare. No one attempted to help me. This was XXXX On my own I did get started on the public service loan forgiveness. Flash forward to now. XXXX They have a bunch of payments that are said not to count I think 17. This is because they pushed forbearance. When actually they could have told me to just pay the payment late and it would count. So, they keep pushing my forgiveness date back.
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I am urging you to take immediate action to remove the fraudulent accounts on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.
Consumer complaint received 2024-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: AMERICAN EXPRESS COMPANY (LA)

I have inquiries with XXXX credit bureau that I did not authorize and do not recognize. I need them removed immediately. 

Each unrecognized/unauthorized item that is on my XXXX report are listed below along with the inquiry dates : AMEX ( BANK ) - INQUIRY DATE ( XX/XX/year> )
Consumer complaint received 2020-11-25
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Brightfunders, LLC (OH)

Homeside, DBA XXXX continues to push back closing. Appraisal is nearing expiration with no end in site. Please close or refund appraisal We applied for a refinance on our Mortgage on XX/XX/2020. Shortly after, we were given the expectation of closing in XXXX by being explicitly told not to pay XXXX and XXXX mortgage payments. XXXX came, and it took several attempted contacts to get ahold of our loan officer to find out that we needed to pay XXXX as closing wasn't happening anytime soon. I didn't like being lied to, not having honest expectations delivered up front and having to practically drive to their XXXX location in Ohio to get information on my loan application. Further, in reaching out to place a complaint with customer service, I was appalled to get a nasty message from my loan officer denying he had made any instructions ( again, in writing ) about when to expect closing/ not make mortgage payment. I asked to be assigned to a new loan officer. Since then, the new loan officer has checked in, however, yet again, the timelines and information do not match up. We were in submitted on XX/XX/XXXX per an email, and now are in submittal today, XX/XX/XXXX. We were to expect closing in XXXX, and now today I am being told closing will be in XXXX. Further, I find out from another lender that the appraisal we have can not be used after XX/XX/XXXX. Per XXXX XXXX online reviews, it appears the company makes a habit out of drawing out closing for months at a time, then denying the loan after the appraisal expires. This simply will not be accepted without litigation.
Consumer complaint received 2024-01-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (CA)

The bank said all the money on my chekcing and saving accounts are suspecious and they closed the accounts, moved the money out and didn't tell me how long do they take to investigate the money. I haven't give me any reason and just took my money away for more than 2 months. I tried to ask them but what they can tell me is I have signed the agreement when I open accounts with them. They have the right to do it. But can this big bank just took people 's money away saying under investigation for 2 more months? I am living paycheck by paycheck, how would I live without my money?
Consumer complaint received 2024-10-06
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Tribal Lending Enterprise, Inc. (LA)

I accepted a {$950.00} loan from Ascend in a desperate emergency situation. I did not realize or made clearly aware of that I was signing up for a 700.0000 % APR rate on the small loan I needed to get my daughter and I through the week. I finally realized what I had done when the amount of the drafts of {$270.00} coming out of my checking account as soon as my biweekly direct deposit got to my bank on paydays was still occuring after XXXX different pay periods. I called them to see what it was about and found out I was paying back {$4700.00} dollars to pay back the {$950.00} loan! I live in Louisiana where I there is a law that protects consumers from predatory lenders by capping payday loans apr rates at 32 %. I was floored when I realized it was an apr of 700.0000 % they had conned me into I'm still broke living paycheck to paycheck to support my daughter and I and there is no way ill ever have a chance of getting y head above water in a situation like this. I humbly pray and ask that you can help me resolve this matter where I don't end up way off worse than where I started. thank you.
Consumer complaint received 2020-05-18
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. (AR)

I went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report.
Consumer complaint received 2020-05-25
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: Nelnet, Inc. (GA)

I sent Nelnet a factual dispute of my credit report. I DID NOT USE a credit repair company. I pulled my 3-bureau report from XXXX  and noticed several instances of Nelnet violating the FCRA specifically in sections 623 and 611. Please investigate both of my attachments.
Consumer complaint received 2023-01-17
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. (VA)

XXXX XXXX, XXXX XXXX PA, XXXX Equifax XXXX XXXX XXXX, XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Credit XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX HavXXXX written and made several calls to get verification on the debts that's has been placed on my credit reports, There are many inconsistencies on my credit report which have lasting effects for my life. Please Remove these items immediately!. 
Incorrect Addresses Incorrect name or surnames Incorrect Phone Numbers Please XXXX XXXX XXXX XXXX # XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX
Consumer complaint received 2023-01-16
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: EQUIFAX, INC. (NY)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Source Receivables Management LLC (FL)

I dont know but I see XXXX XXXX XXXX XXXX my credit report and I still see it so I know it should have been removed since XX/XX/year>. But it hasnt and this has become a problem for me when I have my credit report pulled when looking at apartments it has cost me a lot of lost with paying for application fees. I would like it removed with the rest of the one s I have already disputed
Consumer complaint received 2021-04-23
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CO)

I opened Citibank credit card with best buy, i purchased a computer that I never received, best buy told me if was delivered but i never received the item, it was ether stolen or delivered to the wrong address, they told me they contacted the shipping compony and that they have proof of delivery, and they denied replacement item, they told me to contact my local police department for theft claims, at the point i called the XXXX bank and filed dispute # XXXX on the XX/XX/XXXX they told me that XXXX has 30 days to respond and if they don't respond then it will be ruled in my favor, I called 31 days latter XX/XX/XXXX, they had nothing from merchant, told me that they have another 30 days to respond ( that is not a true statement ) then I called week latter they told me that investigators need to rule on disunion and they will notify me, i called XX/XX/XXXX they told me that they got something form best buy and they with in time frame and they will investigate, and it will take up to 60-90 total they got something from best buy on XX/XX/XXXX and that passed 30 days then they told me its from the day best buy received the docs ( XX/XX/XXXX ) so 30day would expire on XX/XX/XXXX but then they told its 30 Business Days i asked them to email me where they coming up with these time frames and they told me they cant and i should have it in term and agreements brochure, they wont provide the copy, in regards of what best buy is saying that they have proof of delivery is a note from the delivery driver ( note that says left at the door ) delivery compony has a policy to get a signature for amount over {$1000.00} but shipping compony told me that best buy never notified them that its a expensive item, so no one is taking responsibility. I'm trying to resolve it but these 3 monsters compony against one me and they are pointing figures at each other and one is helping. not I'm stuck paying {$1500.00} for something i don't even have. please help
Consumer complaint received 2024-01-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.
Consumer complaint received 2017-11-06
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sentry Credit, Inc. (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Compliant : Sentry Credit XXXX XXXX XXXX XXXX, Wa XXXX Dear Sir/ Madam : I am writing to dispute the follwing imformation in my file an account with : Sentry Credit account dates are : XXXX for {$710.00}. This amount is incorrect. I am requesting that the item be removed. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2024-01-05
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. (GA)

15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2023-01-16
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. (CA)

This is my NUMEROUS 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 Balance {$10000.00} ; XXXX XXXX XXXX XXXXBalance {$600.00} ; XXXX XXXX XXXX XXXX Balance {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$2300.00} ; XXXX XXXX XXXX XXXXBalance {$0.00} ; 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 2023-01-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (NY)

After canceling my subscription with XXXX in XXXX 2022, they illegally charged {$640.00} towards my Paypal account for renewal due in early XXXX. After discovering that PayPal paid this fee, which sent my account into a negative balance, I contacted both my bank and XXXX about this illegal transaction. XXXX refunded my PayPal account, then I removed all my personal information from the site and never used it after that incident.
Consumer complaint received 2024-09-29
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

FAIR COLLECTIONS & O It is srati g on my XXXX and that I owe {$4200.00}, I reported to them that Ive never lived at that address, I spoked with an agent and was told the account was supposed to be removed and nothing happened. This is not my debt I have never lived at this address, I dont owe this debt this is a case of fraud.
Consumer complaint received 2024-01-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (FL)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-04-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (TX)

Contacted Collectors several times .They have never validated he debt .But continue to report it on my credit report. 
FDCPA violations : 1692 e Any other false, deceptive, or misleading representation or means in connection with the debt collection 1692 e ( 2 ) Character, amount, or legal status of the alleged debt 1692 e ( 10 ) Any false representation or deceptive means to collect a debt or obtain information about a consumer 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law 1692 f ( 8 ) Any language or symbol on the envelope that indicates the communication concerns debt collection 1692 g Failure to send the consumer a 30-day validation notice within five days of the initial communication 1692 g ( a ) ( 3 ) Must state Right to Dispute within 30 Days 1692 g ( B ) Collector must cease collection efforts until debt is validated FCRA violations : Re-aging the debt, reporting re-aged date of last delinquency.

Letter is attached with a image of account listed on my credit report.
Consumer complaint received 2024-09-29
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC (PA)

Dear FTC and CFPB, I am writing to file a complaint against Jefferson Capital System LLC. I believe that the collection agency has violated my rights under the Fair Debt Collection Practices Act ( FDCPA ).

The collection agency has not provided me with validation information under 12 CFR 1006.34 ( b ) ( 5 ), but they have placed a collection on my consumer report. I have been given a chance to dispute the account according to 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

The collection agency is violating my consumer rights by using false, misleading, misrepresentation, and deceptive means. The collection agency has no authority to furnish any account to a consumer reporting agency without providing any/all disclosures required by law. They are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1661-52 ( 7 ) ( A ). 

I am requesting that the FTC and CFPB investigate this matter and take appropriate action against the collection agency. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX
Consumer complaint received 2024-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC (GA)

I never did business with this company Wakefield & Associates. 
RE : You violated The United States Code Law 15 U.S. Code 1681b-Permissible purposes of consumer reports.

( A ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S. Code 1681b permissible purposes of consumer reports.

I never gave you any written consent to report anything on my consumer report. 
As a consumer by law this account on this letter must be deleted immediately or i will seek monetary damages in small claims court in my city and state.
Consumer complaint received 2017-11-04
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. (TN)

When I pulled my annual credit report a year ago, I saw that a fraudulent account balance from XXXX XXXX XXXX was reported on my file as a collection through XXXX, XXXX XXXX for {$60.00}. I immediately contacted the collectors at the number listed asking them to verify the validity of the account because I was with another carrier at the time the alleged charges were incurred. The company failed to provide this information and I submitted a dispute with Equifax to have the collection account removed from my account because the company made no attempts to verify the accuracy of the debt. I have yet to here from Equifax about removing the inaccurate account. Then today, I pull up my annual credit file and I see XXXX still listed as a collection as well as XXXX XXXX XXXX listed for the same debt. There is no contact information listed to contact the company and I have tried to initiate a dispute on Equifax 's website, but it is telling me the identifying info I have provided is inaccurate. Really!! These collection companies are parasites and Equifax is supplying hosts. They need to be held accountable. Fix the problems you are creating.
Consumer complaint received 2024-09-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.