davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Associated Credit Services, Inc. (FL)

In XXXX of 2018, we moved from XXXX to XXXX. Earlier today we noticed this company ASSOCIATED CREDIT SERVICES , INC. on my husbands credit report. We called and the representative initially had a hard time locating him until we provided his social. We never received a notice that the bill was past due. We never received any notice from this company. Nothing. The rep from the collection agency said its our fault because we should have notified them that we moved. As if we KNEW of the debt when we with over 1,000 miles away from where they sent it. We logged in today to our online account with the company ( XXXX XXXX XXXX ) and the amount we owed was DOUBLE what it normally is. We werent on some negotiated billing or whatever. We paid each month what was due so to even see it doubled is troubling. Its as if XXXX XXXX XXXX punishes you for leaving. Anyway, the communication from the rep at the collection agency went nowhere. Im publishing this to let everyone know to beware of this collection agency and XXXX XXXX XXXX. They dont send notices and then add XXXX to your credit report.
Consumer complaint received 2019-02-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (NY)

Ok what happened is i had my accounts with fedloan servicing someway somehow they lost my correct contact info to send me my letters about loans, every year ive made sure to do a forbearance and of all years 2018 income taxes be completely swiped and im still having hardships and may face an eviction if my rent not paid, lights cutt off etc etc all due to an clerical error in not updating my address so my entire XXXX income tax check was taken as in offset. This was not my fault at all but im facing the consequence. And ive made a complaint with another agency and they were abled to see the clerical error where my address from XXXX XXXX was switched to my new address then again to my old address and that should not have been. So when the nrs was trying to contact me they did not have the correct address on file I NEED MY INCOME TAXES BACK PLEASE I HAVE NO INCOME AT THE MOMENT.
Consumer complaint received 2019-02-26
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. (FL)

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXXXXXX XXXX, XXXX. 
XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-03-01
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bass & Associates, P.C., Attorneys at Law (PA)

The Student loan Department keep sending different payment centers from different parts of the country after a loan that was paid. This time they sensed a law firm Bass & Associates Entity # XXXX Address XXXX XXXX XXXX XXXX ; Pa XXXX On XX/XX/2019 I sent a Cease and Desist letter to Bass & Associate 's with the same pay off letter that you have on the last complaint. I send letter by green card -XXXX.I received card back without signature because they are a Law firm  they're response wasn't correct. They will try act like they didn't receive anything.
Consumer complaint received 2019-02-26
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. (TX)

Experian continues to abuse consumer rights as stated by FCRA law by placing fraudulent information on consumers credit files. On top of that they are writing false consumer statements again not made from me the consumer. I am a victim of identity theft. Experian opened account disputes unblocked XXXX XXXX XXXX XXXX XXXX account. Line of Credit that was opened at a fraudulent address, again Experian also stated I cant dispute addresses related only to this fraudulent address. In addition they unblocked XXXX XXXX XXXX XXXX accounts two credit cards. They put a consumer statement which again I never made or added. Stating my cards were used fraudulently without my authorization. Again this is abuse because I never added that statement since these cards were not ever received by me. I never got any credit cards from XXXX XXXX XXXX XXXX. Never even obtained membership there. I never added this statement. The account credit limit is discrepent to what this credit union is stating. These accounts are fraudulent and should remain blocked as they were only opened after the thief stole my identity. As stated I never opened these accounts. I never received any cards from these accounts. Never even knew these existed until I see them show up on my credit report.
Consumer complaint received 2019-03-01
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Ameritech Financial (PA)

So, I was told my loan would be taken care of by this company ameritech financial, I was paying them faithfully. They always wanted me to send them copies of things and I never understood why. This was going on for years actually I believe and then I get an email saying fraud? I need to get to the bottom of this and hopefully get my money back and figure my loans out. I paid alot for school and to have to restart will be devastating.. please help!!!!!
Consumer complaint received 2019-02-25
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL (TX)

I have a PayPal Credit line of credit, which provides promotional financing for purchases of more than {$99.00}. My most recent billing cycle ended on XX/XX/XXXX and I have still not received a billing statement ( set up for electronic delivery ). My account indicates that I have a payment due on XX/XX/XXXX, but I have no way to verify that payment amount since I have not received a billing statement. I contacted PayPal and they admitted ( in multiple emails ) that there is an error with their electronic billing system and that they are working on a resolution, but have no timeline for when I might receive a billing statement. How is it legal for them to set a payment amount and due date ( and presumably charge interest and fees if the payment amount is not received by the due date ) when they are unable to provide a billing statement for documentation purposes? Do I not have the right to review my monthly statements to verify that all included transactions are appropriate?
Consumer complaint received 2019-02-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

I an filling this request in reference to account # XXXX placed by XXXX XXXX XXXX , also known as IRS FCU. This was a checking account, and not a revolving account. The account is reporting failure to pay on a one ( 1 ) month term, there was no term, or any agreement to make monthly payment. This false, misleading, and misrepresentation of payment history to report late or failure to pay on a monthly term. Under the FDCPA, and FCRA all information furnished by creditor should be completely accurate. This incorrect reporting has hurt my credit worthiness sinceXX/XX/2016. The account has been paid in full and should be deleted from my credit file.
Consumer complaint received 2019-02-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC (CA)

Pulled my credit reports and saw an entry from ENHANCED RECOVERY that I was never notified about. 

Please see credit report regarding inserted entry. 

They have not been in compliance and this is a violation of the FCRA and the FDCPA
Consumer complaint received 2019-03-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Happy Money, Inc. (IL)

Hello, I applied for this loan and faced some financial difficulties because my student loans became due. This company helped me by deferring my payments. However, this caused my payments to balloon. I was not fully aware of what was occurring when my payments increased. Now they are sending me emails saying I have options to pay off my loan. However, when I call them they are telling me I have exhausted all of my options. Pay off also says the emails are automated. I work at a XXXX XXXX  and I know they should have some sort of filter to cease sending emails informing customers who have no options that they have options! I find this deceitful and extremely frustrating. Because i would like to work with them to become current. But they are not doing anything else to help. If they loan is charged off or I file bankruptcy they will get nothing.
Consumer complaint received 2019-02-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC (MI)

The company that is attempting to collect from me is XXXX XXXX XXXX. After researching the company and inputting there information into the Department of Licensing and Regulatory Affairs website, I was informed that this is not a licensed company in the state of Michigan. After additional research I am now aware that they are not licensed to collect debt and I am requesting to have this removed from my credit report. In addition, they were unable to validate the debt.
Consumer complaint received 2024-10-31
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Card was unlocked on XX/XX/2024. Locking the card involved logging into the online account and selecting the card be " locked '' so no charges could be authorized and used as a method to prevent fraudulent charges On XX/XX/2024, the card was reactivated and purchases were pending. After review, one purchase on the card was fraudulent. 

I called the credit company to report the fraudulent activity. I inquired to why and how the card was reactivated to accept charges. 

Capital one agent insisted capital one did not reactivate the card and the agent was unable to provide an explanation. 

As I did not authorize the card to be reactivated, I am submitting a complaint to investigate capital ones security measures of protecting my financial information. Once the reactivated, fraudulent activity showed on my account immediately.
Consumer complaint received 2019-02-28
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. (FL)

I send over several dispute letters re : XXXX wring late payments. XXXX is reporting that I made a few late payment back in XXXX and XXXX. I asked XXXX to fix this situation over and over again because it is causing my credit report to be in the negative status. XXXX is reporting that I am 90 late without being 30 late 1st on my credit report. How can you be 90 days late without being 30 days late? This a clearly a violation of the FCRA.
Consumer complaint received 2019-03-01
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. (VA)

My loan with XXXX XXXX XXXX for my XXXX XXXX XXXX   was paid in full on XX/XX/2018. I was sent the tittle and the congratulations letter from the company stating that it was paid in full and the account was settled. When I applied for another loan for a car I was advised that the car I paid off was showing on my credit report as a repossession instead of paid off as it should have been. I contacted the loan company, after telling me that my car was repossessed they saw that it was an error and they were sorry. i've been denied for 2 loans as an result of this being on my credit report, causing my score to drop considerably.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (NC)

Re : Wells Fargo On XX/XX/2019 I paid {$80000.00} off the back of my mortgage. The receipt I received said it would post that day which it did not. Today I noticed that they took out next month 's mortgage payment, which I had already paid with an additional {$12.00} off the back and did not apply {$580.00} to the back as they were supposed to. They have admitted their error and said it would not be fixed until Monday XX/XX/2019. I asked that they get this done today with the same click in which they took money from my account without authorization. They are not allowed to take money from this account as I pay it myself. This is the same bank that opened a loan in our names without permission years ago.
Consumer complaint received 2019-02-26
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. (PA)

This is an overpayment from VA which I have tried to stop on several occasions. This is not a loan. This should not be on my credit report as closed. I am currently paying XXXX XXXX month on. It's on my Transunion report. Thank you.
Consumer complaint received 2019-02-26
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: Experian Information Solutions Inc. (NY)

XX/XX/19 This is the first time Experian credit agency has inaccurate information of me. 
I requested and received my free annual credit report from Experian, I saw my social security number is not mine, I never reported this number as my social security nor is it a combination of my social security number. I asked to have this corrected and I received another Experian report and my social security number or combination of it is still not correct. I want what portion this credit reporting agency enters as my own social security on my credit report, to enter my correct information. 

This year with my request for my free annual credit reports another credit reporting agency also had an incorrect social security number for me, I requested a correction report sent me with my correct social security number or part of it, and it was corrected by the credit reporting agency.
Consumer complaint received 2019-03-01
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK (CA)

On XX/XX/2018, I picked up my vehicle from XXXX XXXX XXXX in XXXX, California after a supposed strut assembly installation job was done. After picking up the vehicle, the vehicle was making novel noises from the right front wheel, indicative of problems. I asked the merchant, XXXX XXXX XXXX, what they thought the issues were. They said they are not sure, came up with several incorrect suggestions, and lastly told me to take my business elsewhere. In order to get my vehicle back, which I needed for work and school, I had to use my credit card as collateral, though I knew the job by XXXX XXXX XXXX to be botched. XXXX XXXX XXXX proceeded with charging my card an unauthorized amount of {$640.00}. After receiving my vehicle back, the noises worsened. I then towed the vehicle to another shop near my hometown and they determined the vehicle to be unsafe to drive, caused by bad work. Statements from a pre-inspection done on my vehicle before visiting XXXX XXXX XXXX corroborate the second shops statement. 

Because of the bad work done by XXXX XXXX XXXX and a job which rendered my car from operable to inoperable, I opened a case with the California Bureau of Automotive Repair. The case worker complied a file that tagged multiple violations on the part of XXXX XXXX XXXX - including performing work on a customers car that the customer did not obtain proper authorization for. California law states that a signature must be obtained before work is to be done on a customers car, verifying that the customer agrees to the repairs being done. 

Since the card used as collateral in the transaction was Discover credit card brand, they were the ones contacted to dispute this transaction. The FTC allows a 60 day window for charges to be disputed on the account of unauthorized charges and for services not delivered as agreed. Therefore, under dispute is two-fold : that XXXX XXXX XXXX did not obtain proper authorization to work on my vehicle and that their attempt at service was bad work, leaving my vehicle inoperable. Discover has refused to recognize either dispute and claims that I agreed on the services. They further claim they are unable to accept legally-affiliated documents, which cover improper credit authorization. 

Please request the California Bureau of Automotive Repairs file claim covering the violations of XXXX XXXX XXXX as needed. I will then proceed to file form SC107 in the XXXX County Court System to provide an untouched copy.
Consumer complaint received 2020-08-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I filed a dispute with capital one on XXXX informed capital one that I am disputing their claim.moreover I requested that capital one supply me with copy of the contract with my authentic signature.capital one never provided a copy of contract with my authentic signature and continue to report this account to the credit reporting agency.this account should have been deleted off the CRA files.further more the fair credit reporting act regulates how creditors handle consumers dispute.the statue states that when a consumer disputes any item the creditor should conduct a reasonable investigation within 30 days to determine if the challenge item is correct.after 30 days have expired if creditor have not completed the investigation the disputed item must be deleted.finally capital one failed to report the dispute to the CRA which is a violation of the FCRA section 623 and carries a find of XXXX dollars.
Consumer complaint received 2019-02-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (GA)

I am a service member in the XXXX XXXX on XXXX XXXX and I am writing this letter to explain in detail the history and circumstances leading to the current default on my mortgage. According to the last statement I received from you, I currently owe {$71000.00} and my Escrow Balance is $ -XXXX. 

In XX/XX/XXXX, I had a XXXX XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX, CA which reduced our income by {$1500.00} per month while still under XXXX  XXXX XXXX as our Mortgage lender. In XX/XX/XXXX, my mortgage was transferred XXXX XXXX and by that time, my family was struggling to make mortgage payments. Around the same time, a significant change in property taxes increased the monthly payment by approximately {$300.00} per month. The change was due to registration of STAR program which was not processed properly by the municipality. Ultimately this was corrected but not before adding to the financial burden my family was already experiencing. 
We continued to make partial payments while attempting to keep our default to no less than three months while exhausting most of our savings in the process. In XX/XX/XXXX, we were instructed XXXX to request for loan modification and to stop making payments until that process was finalized. We were then approved for a loan modification about three months later. Our trial payments were for three installments of {$2300.00} due in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX did not accept the final payment because it was not made on time and returned those funds to us. That put us right back to square and owing far more than 180 days in mortgage payments. We have not made a payments since. 

We made four attempts at Loan Modifications in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and on XXXX XX/XX/XXXX in an effort to bring the account current. All of these were submitted and denied by XXXX 30 days after they were submitted. Each time, XXXX concluded that they were unable to reduce the mortgage amount and that I did not qualify for any of the modification options available. 

I am asking for an opportunity to make things right and restore my mortgage account back to current status and to remove this financial and emotional burden on my family. I am hoping that you can provide some options that will help me accomplish this.
Consumer complaint received 2017-05-16
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. (MI)

I had  XXXX  auto loans with  XXXX  and was late  XXXX  x for 20 days on  XXXX  xloan but  XXXX  is reporting 90 days late : They reported I was late 90 days but paid in full! First off, if you are late 60 days, let alone 90 days, they would repossess your car! I reported it to the  XXXX  major reporting credit institutes but they wont remove it! They claim they went to   XXXX    and concluded info is correct yet when i call  XXXX , they cant find the account! I want it removed because its clearly a lie! everyone knows 90 days late, and you dont have a car!