davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-18
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION (MI)

TO : Whom it May Concern RE : Fraudulent Misconduct by Collections Company XXXX XXXX XXXX XXXX Case # XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX, MI XXXX XXXX ( XXXX ) XXXX ( XXXX ) On XX/XX/XXXX I received a letter from the Michigan Department of Treasury informing me that my State of Michigan tax refund is being garnished. This comes as a complete surprise to me since I was not aware of any legal action against me regarding this issue. Nor was I served either by mail or in person, I believe that to get this far in the legal process it takes 4 or 5 different filings with the court. At least 2 of these should be served in person on myself! None of this has occurred! How does the legal system allow this to happen? According to the letter from the Treasury department, the filings occurred in XXXX County XXXX District Court. I have not resided in XXXX County since XX/XX/XXXX. 
In XX/XX/XXXX I placed a Change of Address with the USPS along with signing up for the USPS Informed Delivery, which emails me a photo of the front of all mail being sent to me. This email arrives about 2 to 3 days prior to actual delivery. From XX/XX/XXXX to Present, I have not been sent anything from either the XXXX County Courts or from the law firm of XXXX XXXX XXXX XXXX, XXXX. XXXX  XXXX, XXXX, MI XXXX ( XXXX ). 
My Complaint is this, Who, When and Where signed for the Proof of Service or where, if any, did the mail go? According to the USPS ALL First Class mail IS forwarded to the new address. None of this happened! Who Forged the Proof of Service? Where was the mail sent, not to me! Why was it filed in the wrong County Court system? When there was more then enough time to file, serve and process the complaint in the Courts where I live? Its harassing enough to deal with Collection Companies, but how can they get away with the Fraud and Misconduct ( illegal nature ) of not following the rules! Its a shame that Collection Companies can get away with doing business this way. 
Being basically XXXX and XXXX, on a limited XXXX income ( normally exempt from creditors, though not a tax refund based on that exempt income! doesnt make sense. ) it is financially difficult enough to make do. Let alone when the system allows this too happen, the Fraudulent Misconduct by NOT properly serving and informing me of the situation. How many other people have also had this done to them by this company?
Consumer complaint received 2018-04-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MS)

Original loan disbursement date was XX/XX/XXXX in the amount of {$10000.00} with a repayment term of 121 months. Repayment began on XX/XX/XXXX with a repayment term of 210 months. Since that point in time the loan has been " redisclosed '' against my wishes or request. The loan has been redisclosed on the following dates with the below terms. 
XX/XX/XXXX Repayment term 239 months XX/XX/XXXX repayment term 210 months XX/XX/XXXX repayment term 197 months XX/XX/XXXX repayment term 185 months XX/XX/XXXX repayment term 174 months XX/XX/XXXX repayment term 165 months XX/XX/XXXX repayment term 153 months XX/XX/XXXX repayment term 143 months XX/XX/XXXX repayment term 131 months XX/XX/XXXX repayment term 121 months As of XX/XX/XXXX statement {$11000.00} has been paid on an original balance of {$10000.00} of which {$7300.00} was interest and {$4200.00} principal. The current outstanding balance is still {$6300.00}. 

The constant redisclosure of a customer who makes on time payments for more than the minimum balance is resulting in a loan that will essentially never be paid off. The stated interest rate of 6.13 % is deceiving as it only is a interest rate of the current redisclosed loan. When you take in the original balance and what has already been paid plus what is still outstanding the interest rate is over 300 %
Consumer complaint received 2018-04-18
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (ID)

I sold my vehicle in XX/XX/XXXX and received a release of interest and confirmation from XXXX XXXX stating that my account was paid in full. As of XX/XX/XXXX I checked my credit report and XXXX XXXX is still reported that I had a balance on my loan two months after my loan was paid in full and XXXX XXXX sent a release of interest letter. I then submitted a dispute with the 3 credit bureau 's stating that the loan was paid in full. At the end of the investigation the 3 credit bureau 's updated my XXXX XXXX loan that the balance was still owing but that I was now 60 days late for both XX/XX/XXXX. and XX/XX/XXXX. I no longer had the loan in XX/XX/XXXX. and XX/XX/XXXX. These reports are incorrect but XXXX XXXX refuses to update their records and the 3 credit bureau 's are not updating their records either.
Consumer complaint received 2024-10-22
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: Experian Information Solutions Inc. (KY)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (OH)

I used my Citi Simplicity card to transfer a balance from another card given the offer of 1.99 % APR. Given this rate until XX/XX/2019. This would allow me to pay down my card faster given the lower interest. However, I come to learn that the way they calculate minimum payment makes this irrelevant as they use 1.5 % of balance or 1 % of balance + interest fees, whichever is greater. Hence, they really should have been advertising the payment calc upfront and I may have re-evaluated if this in fact helps me. Given this calculation my {$20.00} interest accrued means nothing as the 1.5 % of balance is always greater. This was not laid out in any of the documents for my transfer nor if I was applying for this card as a new applicant would I be told this. The card member agreement contains this info, no where is this info online. A chat rep told me this directly and I captured that quote. I asked where my card agreement is and I had to request which may take days and also doesn't come in the mail until you are approved for the card, so no one knows this upfront. I feel it is misleading and withholding info that should be readily available in my account or on my statements as other cards do.
Consumer complaint received 2018-04-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC (NJ)

THIS IS NOT A DUPLICATE. 
I AM FILING A COMPLAINT AGAINST MR. COOPER ( MORTGAGE COMPANY ) LOAN # MR. COOPER CASE REFERENCE # 2 PROPERTY ADDRESS : Mr.Cooper ( Mortgage Company ) is attempting to modify my existing signed contracted mortgage agreement by making false statements. I have enclosed all necessary correspondence letters for your review. In the letter from Mr. Cooper dated XX/XX/2018 they clearly state '' Through review of the account history we verified there hasn't been any 30 day or more late payments received. '' That statement confirms that there was no reason to change or modify my original signed contract with XXXX XXXX of me ( owner ) to continue to make property tax payments directly to the XXXX XXXX   XXXX. Mr Cooper made an erroneous payment to the XXXX XXXX XXXX without cause. Also on the same letter dated XX/XX/2018, Mr. Cooper stated that they spoke to " Tax Collector XXXX, confirming the funds they remitted will be used towards the 3rd installment for the taxes ''. THIS STATEMENT IS COMPLETELY FALSE AND UNTRUE! I have enclosed a letter dated XX/XX/2018 from the actual tax collector for the XXXX XXXX  XXXX, NJ, XXXX XXXX XXXX, clearly stating that " The XXXX XXXX  XXXX does not apply bank payments made to an open quarter and then transfer that payment out and reapply to a future tax quarter '' .In conjunction with that statement, XXXX XXXX , also states " In the instance where a bank identified that they made a payment to a parcel in error, upon written request, the bank will be refunded the erroneous payment ''. Which is exactly the situation here, the payment that Mr.Cooper made to the XXXX XXXX XXXX was in error. Nothing on my part, caused Mr. Cooper to make that payment, and most importantly it's not part of my original signed contracted agreement for them to make property tax payments. Bottom line, the payment should have never been sent by Mr. Cooper. Therefore, I am demanding that Mr. Cooper request a refund from the XXXX XXXX XXXX directly, and exclude the modified amount from my account. The signed contracted agreement can not be changed due to an error by Mr. Cooper. I am not paying any additional amount or extra payment.
Consumer complaint received 2018-09-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Back in XX/XX/2012Bank of America put me in XXXX & ive paid them off & ive got a XXXX   report but no information is there. Im trying to figure out when Im going to get out of XXXX.
Consumer complaint received 2018-04-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CHECK CASHIERS, INC. (CA)

XX/XX/XXXX was the last loan I had paid off for the amount of {$230.00} Accordingly to XXXX XXXX I re-loaned on XX/XX/XXXX for an amount of {$250.00} owing them {$290.00} on XX/XX/XXXX. I came to find out on XX/XX/XXXX of this loan as XXXX called me from XXXX XXXX as a courtesy reminder, advised XXXX I have not stepped into there located for a loan since the last time I loaned which was In XX/XX/XXXX, she explained that they have a signed contract by me, she provided XX/XX/XXXX as the date I walked in there and loaned for {$250.00}. I explained to her It could not have been me since I was at work from XXXX-XXXX & have records of being in the office all day without leaving at any point during the day. She did not try to help in launching an investigation to see what happened, I went into the located today XX/XX/XXXX to pay the loan amount of {$290.00} so that amount will not go into collections for me not paying, as I was there I asked for a copy of the contract I supposedly signed on XX/XX/XXXX and signature on Check & Contact are nothing alike to my signature. I explained to XXXX this is not my signature on this paper & she seemed nervous when she said " It can not anyone 's else 's signature other than yours ''. I'm attaching A copy of the contract & check from XX/XX/XXXX & also a copy of the last loan check that was cashed with my correct signature from XX/XX/XXXX.
Consumer complaint received 2018-09-12
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (LA)

Midwest Recovery Systems is reporting a collection to the credit bureaus that Ive never applied for or received. I have made several attempts to contact this agency in an attempt for verification, but to no avail. I have disputed this account with the credit bureaus, also requesting verification, but I have not been successful in my attempts through this course of action either. I have never been notified or received any notification of this debt or verification via signed contract and/or proof of deposit. I have never received a payday loan from XXXX XXXX XXXX XXXX or any other payday loan organization. This account does not belong to me and Midwest Recovery Systems can not validate this account as belonging to me. They have refused to properly notify me of this alleged account and refused to remove this account from my credit report. This account is fraudulent and the company appears to uphold and participate in fraudulent activity.
Consumer complaint received 2022-12-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

The credit bureaus stated my account was properly investigated but how Is that possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is inaccurate. This ground for removal they also violated my rights under 15usc 1681 section 602 15 usc 1681 section 604 A section 2 also the credit bureaus took more than 30 days to complete my investigations
Consumer complaint received 2018-04-19
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Hillcrest Davidson & Associates (GA)

On XX/XX/2018, we received a letter in the mail from Hillcrest Davidson in reference to a potential debt owed to a home security business. My husband contacted Hillcrest and asked to speak with the person who's name was on the letter ( XXXX XXXX ). XXXX asked my husband who he was and who I was then proceeding to ask why we did not pay our bill. My husband told him that he did not owe the bill. XXXX proceeded to threaten my husband saying that we would pay the bill and threatened to put it on both of our credit reports. He was very unprofessional and upset my husband with his threats. 

When my husband called and asked to speak with a manager, he spoke with XXXX 's brother who is also the manager. He told him the only way to stop that from happening was to get a letter from the creditor stating that we did not owe the debt. There was no apology for the threats. Only reassurance that it could happen again.
Consumer complaint received 2018-04-20
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. (FL)

Good Afternoon. 
I have taken advice from all three paid credit burough service platforms created to help and protect the public. Each paid service also advises on how to increase your Fico score. They also claim to help the consumer tobremove information that is derogatory due to inaccurate reporting..examples : Credit, loans, address misinformation from external sources. 
I have followed the steps to repair, retore, increase Fico and Credit scores from the following : Experian protection and score updates. XXXX two separate and consumer pay for alert and advice..And another service from XXXX. 

I pay each Credit Agency monthly an or yearly. 
I have a complaint and also I feel that I need to advise you that these services have both helped and hurt my Fico and My overall Credit scores. The services heavily push applying for Credit cards and in my case push to apply for personal and home buying loans. 
Hence my score is down. 
Experian will not lock my report. I have upgraded to the highest level of credit protection service and still no help acquiring my Fico.. no help making a dispute ... I have 5 or more incorrect claims in my reports. 
Yet a Store Card sent a letter notifying me that they are lowering my credit XXXX dollars due to information obtained by Experian, XXXX and from XXXX. The card had a small limit of XXXX. I used the card twice. I paid off the card after the first use and I currently have a small balance of which I will pay off and close the account. 
I have other concerns. 
Please help. 
Thank you.
Consumer complaint received 2018-09-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JH Portfolio Debt Equities, LLC (TX)

I have disputed several times about this debt and this company is refusing to delete it off my credit report after the statue of limitations has ran out. 4 Years in Texas. They have also never sent me validation of the debt and I have been disputing for over a year.
Consumer complaint received 2017-11-30
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

To whom it may concern : I am sending you this complaint in regards to the remaining inaccurate information that you continue to put on my credit file that is causing serious distress to my life. I have included attachments along with pictures. Please be aware that this is the final attempt of goodwill to resolve your mishandling. I will be forced to file yet another complaint with the FTC, contact my attorney general, and file a lawsuit. There are several individuals with my name XXXX XXXX but the inaccurate items listed in the letter and pictures isnt my account or inquiries.
Consumer complaint received 2018-04-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Acct Number ending XXXX Amount owed {$680.00} Bank America has been continuing to report to all the major credit bureaus that a fraudulent credit card that was opened under my social security is mine ( XXXX ), although they are fully aware that I am a victim of identity thief. 
Bank of America has continually used abusive, unprofessional and XXXX style tactics in their behavior with addressing this matter. In one of their only recent correspondence via a call with me they stated that a checking account from XXXX XXXX was used allegedly by myself to make payments as well set up this secured account They also stated if XXXX states that this checking account was a fraudulent account they would remove this from my credit bureaus. However, in their written correspondence they are now stating they would reexamine the matter. 
I have been in contact with XXXX and they have stated that I am not indebted to them from any accounts, therefore they will not provide any documentation for Bank of America. Also, that it is questionable, troubling and ridiculous that Bank of America would require another banking institution to provide such a letter to assist a consumer dealing with identity thief. 
Also, very important to note ; that Bank of Americas follow up statement to my original CFPB complaint, stated that XXXX confirmed that this above-mentioned checking account had my matching Social Security number. XXXX XXXX and Customer Advocate team stated and confirmed to me directly, per the companys policies and procedures they would never disclose sensitive private information about any consumer without a court order, to any third parties for liability reasons. Which means B of A completely and utterly fabricated lied about that entire encounter. ; troubling and disturbing. 
And most important, they B of A have stated ; they would be happy to remove the account if I pay them the monies owed ; regardless to fact, I have repeatedly stated Im an identity thief victim, which is blatant extortion ; again, extremely troubling and disturbing. 
Finally, Bank of America has continued to move the goal post, for me to effectively receive any kind of favorable outcome, also there are countless similar cases and situations ( hundreds of articles throughout XXXX, of questionable abusive tactics and practices involving getting monies from consumers ), where B of A has behaved in this manner.
Consumer complaint received 2018-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (CA)

I am in XXXX this is the reason why my loans was paid-off or clear by the department of Social Security on XX/XX/2018. I was checking my credit report to see that reflected, since the Social Security department notify me about that, then it supposed to be clear by then right but for some reason the same day it was closes the same day they reopen or duplicate the same loans. I contact the Social Security and they told me to try to call this company " NELNET '', but I was not able to open my account with them since I do not have any loan. I called them and they said they do not have idea. My credit score shows I still owe them when obviously I am not. It is not fear they are try to charge me again just to get more money.
Consumer complaint received 2017-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ACS Education Services (GA)

On XXXX/XXXX/XXXX, I petitioned the court to include my Student loan in my chapter XXXX bankruptcy. It was approved and my bankruptcy was discharged. This account should be closed and has been closed since XXXX
Consumer complaint received 2018-04-18
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO. (PA)

My chase bank credit card account is charged without my approval and without my authorization by the XXXX XXXX XXXX for my travel though I have purchased a valid travel ticket for the journey. My Chase bank credit card account department denied my request to reverse charges and wants me to pay to airline.
Consumer complaint received 2018-01-24
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE (GA)

I initiated the transaction to transfer the amount {$9500.00} to my XXXX account on XX/XX/XXXXand {$3000.00} on XX/XX/XXXX. Later on, i had to cancel both of transactions onXX/XX/XXXXas my family was in need of money early while transactions were taking much time. 

Then i followed up with Western Union about my refund amount and i was said i will get my money back within 3 business days.

I followed up again after 3 business days, i was said by customer associate that Western Union never got the money, chase with your bank ( XXXX XXXX XXXX in my case ). 

I followed up with my bank associate and they confirmed that mentioned amount has been deposited to Western Union already and they never returned it back. 

Again, I followed up with Customer representative of WU on Wesnesday XXXX and i was said that they are going to open 2 new cases for my issues and you will get it sorted out within 24 hours.

When i did n't get my issue resolved, i called to customer care again on XXXX but again i was said to wait 24 hours more. 

Now today isXX/XX/XXXXand i am still waiting to get my money back. I am having feeling that its like a scam or cheating as they even after more than 15 days, i am waiting for my money. My family in XXXX, who were in need of money, they had to borrow the money from other sources and paying hefty amount as interest.