davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-06
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AES/PHEAA (MI)

I have contacted AES/XXXX several times over the past 5 years to have negative debt that they have no proven is owned by them or owed to them. I have disputed this information numerous times with Experian and XXXX XXXX and still 4 private student loans that have not been validated with proper chain of custody or assignment. These accounts are ruining my credit and preventing me from being able to purchase a home. I have a Ch XXXX bankruptcy that was uncontested and therefore XXXX XX/XX/2012. There are several lawsuits against this student loan company and there subsidiaries ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ) for wrongful lawsuits that resulted in default judgments that were filed after the statute of limitations had passed and without proving ownership of said loans. I would like for this incorrect information to be removed from all 3 credit bureau reports and XXXX XXXX report. The following is the information showing for the loans as of date. The duplicate accounts were removed from my XXXX and XXXX credit bureau reports that were listed under XXXX XXXX, however, they still remain on XXXX   and XXXX XXXX reports as shown below. 

AES/XXXX {$62000.00} AES {$27000.00} AES/XXXX {$13000.00} AES {$10000.00}
Consumer complaint received 2018-08-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION (MS)

I have been trying for years to resolve two fraudulent accounts opened in my name with XXXX XXXX XXXX XXXX. I have even paid with settlement amount to pay one of the accounts that did not belong to me to resolve negative effects that i have been suffering since this negative accounts are on my credit report. I am a XXXX XXXX. I can not pay someone else 's bill due to my limited income. I am poor, and just can't do it. XXXX XXXX XXXX has done nothing to correct these errors. I have requested validations for both of these accounts. XXXX XXXX XXXX has sent none because there is none. I have even sent in police reports on several occassions. I am tired of suffering from the hands of XXXX XXXX XXXX.
Consumer complaint received 2016-10-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Advanced Collection Bureau, Inc. (NY)

I had an apartment lease in XXXX, Delaware. I broke the lease and was told it would be a 1 month penalty. I gave them my new address in Texas and asked to forward me an invoice for payment. I never received an invoice so payment was not made. Finally about 2 years later, I get bill for nearly {$2900.00} from a collection agency. Well, now at this point, the debt is over 7 years old from when the lease was signed and it should no longer be on my credit report. They keep verifying it as accurate, however it is older than 7 years and needs to be removed.
Consumer complaint received 2018-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

I XXXX XXXX XXXX ( Married name ) opened a Credit Card with XXXX  XXXX XXXX with a credit line of {$800.00} on XX/XX/XXXX as XXXX XXXX ( Single Name ) because of lack of communication at the branch where i opened since i didn't speak XXXX neither XXXX which the XXXX  XXXX XXXX associate spoke, i didn't make payments on time, so it went for collection. 
But i never refused to pay for my debt, i just refused to pay the outrageous bank over fees, so as it went for collection i negotiated with the collection agency and Settled the balance in Full. 
Also i want to report XXXX  XXXX XXXX for fraudulently using my married Name to report on my new social Security name that i obtained after my marriage privilege that gave me a status of obtaining a social security number which i didn't have any when i opened this account on XX/XX/XXXX as a Single Lady. 
My Social Security Number only got issued this year on XX/XX/XXXX. 
I am not neglecting to pay any legal amount that i owe, So only what i owed, i paid and settled in Full. 
The Representative at XXXX XXXX XXXX told me that i didn't have to make any payment on this credit card till after 8 months of opening it. 
I invest my money oversees in Banks so i totally understand how horrible fees can be if not managed properly. 
I could even file a Consumer Law Action about this but i rather seek for my rights with Consumer Financial Protection Bureau. 
So i Hope this finds a good hearted person to help me dispute this from my credit correctly. 

Thank you so Much. 
Kind regards XXXX XXXX XXXX.
Consumer complaint received 2015-06-28
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE (CA)

I had a XXXX XXXX card, rarely used it, and wanted to cancel it. There was a charge of {$9.00} on the card, with no identifying information, so I assumed it was a monthly charge by Barclay 's ( XXXX ). I paid it for a couple of months, and finally called to cancel my card ( tore it up ). I thought that was the end of it. Since my call, I have continued to be billed for {$9.00}, plus interest, plus a {$35.00} Late Payment Fee EVERY MONTH SINCE XXXX 2015. I have spoken to numerous reps and reported it as fraud since I had no idea what the charge was, after confirming with the reps that it was not a XXXX charge. However, they did not give me any info on who was charging my card every month, and they told that even after closing an account, they still allow businesses to charge a person 's account. This is an outrageous and the fact that I have had to spend hours of my time while working full-time, not ever knowing who the vendor is charging me {$9.00} every month months after my closing this account is an unfair, unethical business practice on XXXX 's part. It must stop. I am now writing to the company ( on a Sunday when I should be relaxing, going to church, visiting family, and getting to work the next day ). The fraud department at XXXX has never contacted me about the results of its investigation at all. I have only spoken ( at 3x ) to customer reps and to the fraud department upon my initiation, not theirs. 

I need to be credited all the charges from the moment I called to cancel my card ( XX/XX/XXXX or XXXX 2015 ), and my credit worthiness should not be impacted by this charge.
Consumer complaint received 2016-10-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: National Consumer Telecom & Utilities Exchange, Inc. (GA)

This reporting service claims to fix errors on my report but they never reflect the corrected version ( s ). The first page of their mailing ( s ), state the correction is made but if you look at the actual report in the same mailing, it does not reflect the correction. 

Personally, I do n't think they have a clue as I have called them over five times about the same issues. 

XXXX advised me to be careful of giving these people any information. 

Also, I fax identification documents, police reports, etc..because of identity theft. They state they do n't have the documents I sent and then all of a sudden, out of nowhere, they find them. 

They are supposed to give me a " Legislative Security Freeze '' but my reports list a " general freeze ''. This allows them to illegally charge me for future lifts of my freeze. 

Because of these tactics they are direct violation of the Fair Credit Reporting Act.
Consumer complaint received 2018-09-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

My student loan was originally serviced by XXXX XXXX, which was acquired by Nelnet in early 2018. Since the migration to Nelnet, my payments ( and payment overages ) have not been applied correctly, despite the issuance of special instructions. I have one loan group ( A ) with two loans ( 1 & 2 - subsidized and unsubsidized ). I want both loans to have the same balance moving forward, thus requiring equal allocation of all future payments. I have twice attempted to equalize the present balance between the loans by making small payments, then, I requested that all additional payments and overages ( since I pay more than the minimum payment ) be allocated equally so that loans 1 & 2 have identical ( or near identical ) balances at all times. Nelnet has, after repeated requests over months, consistently misapplied payments and failed to achieve this task. Thank you for your assistance in resolving this matter.
Consumer complaint received 2016-07-05
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Nationwide Debt Management Solutions, LLC (NJ)

The person who identifies herself as XXXX calls every day and tells my boss that I " do n't pay my bills and that I am paying 390 % interest ''. I got on the phone and said I have asked over and over not to be called at my employer b/c its not allowed and she said " then pay your bills. Until then I will call you every day. ''
Consumer complaint received 2017-02-14
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Phoenix Recovery Group (FL)

I received a call from Phoenix Recovery Group They keep calling asking for {$4000.00} they say I cosines for an apartment for my Daughter. I told them that I signed only the first lease but that she stayed after the lease was over and I did not consigned the second lease. They just keep calling and have reported it to the credit beaurow. I am 100 % VA XXXX and this is making me very disturbed. I have a copy of the second lease showing I am not on it
Consumer complaint received 2020-05-06
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: HSBC NORTH AMERICA HOLDINGS INC. (AZ)

I was investigating refinancing my mortgage with XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ; XXXX, OH XXXX ( XXXX ). I first started pursuing the refinancing process on XX/XX/2020. At that time, Mr. XXXX told me that there would be no closing costs and I would not be charged for an appraisal. As we continued our negotiations, it became clear that Mr. XXXX 's initial verbal offerings were not being followed through. Not only did he charge a {$450.00} appraisal to my HSBC credit card, without my permission, he charged me again for the appraisal on a refinancing document that he submitted to me. I turned down the refinancing for many reasons but mainly because I no longer trusted Mr. XXXX and I thought he was trying to take my money. 

I then submitted a claim with HSBC for an unauthorized charge for the {$450.00} appraisal on XX/XX/2020 ( case # XXXX XXXX. Not only did HSBC never attempt to reach out to me for a more in-depth explanation for my dispute, they had the audacity to send me a letter on XX/XX/2020 claiming that this charge was consistent with my spending pattern. It is not! 

I have cancelled this card and informed HSBC that I would be filing a formal complaint against them. 

Thank you for your consideration of this matter.
Consumer complaint received 2016-12-01
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CountryPlace Acceptance Corporation (AR)

Country Place Mortgage has failed for the second year in a row to make timely payments from escrow for my hazard insurance, resulting in cancellation of the policy. We have been trying to rectify the situation for four days now, but leave messages with no return call, or when they do answer, feel as if we are getting the run-around. I was finally able to talk to a supervisor. She blamed it on the fact that the company switched insurance trackers in XXXX. When I asked if they swapped companies last year because it happened then, too, the system was down so she could n't check. I refused to hang up and said I would hold. She finally got back to me, though the system was still down, with the reason being the insurance company only billed for the minimum amount due. ( ..last year they never received the bill. ) They are n't able to make partial payments and must pay the full amount. They cancelled the minimum payment, and, since the bill was only for the minimum amount and they did n't know the total amount due, no payment was made. She could n't explain why we were n't contacted, just that it is n't the customer 's problem to have to deal with. I asked what would happen if disaster struck. She answered they had a blanket policy, but could n't assure me that my interests were protected with that policy or just her company 's. When I asked about last year 's issue, the excuse was that they did n't receive a bill. Before I got off the phone, she assured me a credit card payment was made on my behalf, but could n't give me a confirmation number, rather they would email me with the information. I have n't received that yet. I have done a little research and it seems that there are rules in place to make sure that timely payments are made. I interpret that to mean " on-time. '' I inquired about what I could do to be responsible for the payment myself, but she informed me that, per my loan, that is n't allowed. What can I do to make sure this does n't continue to happen? To make sure that my property is protected in these types of instances?
Consumer complaint received 2020-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (MA)

I XXXX XXXX have made three separate requests for a credit report on all bureaus, and the only bureau that complied was XXXX. I have no idea why it would take so long to obtain a free annual credit report, but I have showed Experian and XXXX XXXX the cover page from XXXX to validate my residency. I need for both bureaus to comply and release my credit report mandated through the Fair and Accurate Credit Transactions Act.
Consumer complaint received 2015-07-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (TX)

I called my credit card company on or around XXXX XXXX to inquire why my card had been declined when I tried to use it. The informed me that someone had tried to charge {$5000.00} of electronics in another state. They let me know that they would send a new card in 7 to 10 days. Instead of receiving a card, I received a letter from the credit card company informing me that they had processed an address change. The address was in a city called XXXX, Texas which I was unfamiliar with. I immediately called the credit card company to inform them that I had not moved. They issued me yet another card. In the meantime, I requested that a fraud alert be placed on my credit report. When I received the credit information from XXXX, I noticed that it was mailed from XXXX, Texas which is apparently the site of XXXX headquarters. This leads me to believe that the theft of my card information occurred at XXXX by an employee. Why and who else would have access to my information and have my card sent to an address in the same town just minutes away? I have not yet contacted XXXX.
Consumer complaint received 2018-08-20
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Account Liquidation Services Inc. (KS)

In XX/XX/XXXX, I received an alert that a collection had been placed on my credit report. The collection was from " Account Liquidation Service '' regarding a {$19.00} returned check on a JOINT ACCOUNT and that the company was attempting to collect {$30.00}. First of all I have NEVER written a check to their client " XXXX XXXX XXXX XXXX ''. I sent the collection agency a letter dated XX/XX/XXXX, ( ATTACHED ) asking for information and proof of debt. I also informed them that they have NEVER contacted me regarding the returned check to give me an opportunity to pay or dispute the debt. Because it was a " Joint Account '' I was willing to accept that one of my children or my spouse may have been responsible for the returned check I submitted a USPS Money Order ( XXXX XXXX ) in the full amount of the collection. I requested that the debt collection be " DELETED '' from my account due to their failure to make me aware of the debt PRIOR to placing the item in collection.
Consumer complaint received 2018-08-21
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC. (MI)

I paid off my car loan on XX/XX/2018 and am in the process of buying a house. I am set to close on my house today XX/XX/XXXX and tried calling the bank last week to get a letter showing that my loan was paid in full. The customer service rep told me that it could take XXXX days and they could only fax. I was OK with that because i still had a week to close. One day before closing i still did not receive the letter and i called at least 15 times to get this letter because i had to close on the house the next day. They told me i would have it before XXXX. At XXXX i decided to call because i still did not have the letter. I waited and waited and was told that i would have it by XXXX. I told them i would wait on hold until the fax was received. They let me hold. At XXXX they came back on and told me the department was closed. I was now out of luck and could not close and had to pay a penalty to the seller for not closing on time.
Consumer complaint received 2024-08-20
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2022-09-05
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc. (LA)

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Experian & XXXX  Account # : XXXX I tend to dispute the items above. 
The college and collection agency failed to mail me a proper notification of balances. Nor is the balance accurate or justified. The courses were dropped and I did not receive the education. Failure to send proper notification in a timely manner is extremely unethical. 
If the above accounts can not be verified, they must be removed immediately according FCRA section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. 
Please validate that this debt belongs to me, and please also show me the original contract agreement. I would also like to know the verification methods on the possible account as well.
Consumer complaint received 2016-04-20
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Performant Financial Corporation (TN)

I was contacted by a collection agency for defaulted student loans. I was offered rehabilitation in XXXX XXXX. I agreed and was sent paperwork to sign and return and an automatic payment was set-up. In XXXX XXXX I was contacted and told my loan agreement was not returned. I again mailed the paperwork I had received from the agency. I thought that this was strange because my income/expense information and my payment information were both " received '' and in effect at the time of the call in XXXX. In XXXX XXXX, I was contacted again by the same agency and told that my loan was not in rehabilitation because my paperwork had not been received. I had at this point made 10 consecutive payments. I agreed to re-sign and submit the documents again. I did so. My new address ( across the country ) was shown on the documents I electronically signed. I was contacted again in XXXX. XXXX. I was told again that my documents had not been returned and that I was not in rehabilitation. At this point, I have made 18 consecutive payments. The agency sent my " loan agreement '' ( which is the most important document of the bunch ) to my former address even with my correct address on the income/expense and other documents. I am trying to qualify for a home loan and I show that I am still in default. The agency wants me to re-sign the documents for a 3rd time in order for me to begin the rehabilitation process. By the time it is finished, assuming that this time they will send me ALL of the documents I need to complete this program, it will have taken me 27 months to " complete '' the rehabilitation process. The agency is telling me now that my options are to try to begin again and they have assured me that I will get all of the documents " this time '' or to pay the full balance and still have the default notation which may prevent me from being able to qualify for a home loan until another 9 months has passed or even longer to wait for the notation to be removed. I was told that if I had returned the " loan agreement '' then this would not be a problem. But I do n't think I have ever been sent one. This agency sends documents to " qualify '' for the program including setting up a payment then is supposed to send a " loan agreement '' to be signed and returned. However the only things I have received from this agency are the " qualifying '' documents and the monthly notice of the payment.
Consumer complaint received 2018-08-20
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. (NC)

I filed ChapXXXX XXXX 16- it was discharged XXXX-16.XXXX & XXXX   reported correctly-discharged XXXX-16. I phoned Equifax & a Supervisor said " we will not report your discharge- we'll show you are still in ChapXXXX for the next 10 years "! I'm buying a car from a Dealer & received a letter saying " your Application is denied due to a negative Equifax report showing you're still in ChapXXXX. " I need them to report my status correctly as are XXXX & XXXX. U.S. Bankruptcy Court, XXXX, NC Case XXXX