davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (RI)

To Whom It May Concern, I am writing to formally request that you cease all communication with me regarding the debt you claim I owe in the amount of {$1300.00}, as allowed under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I am requesting validation of the debt pursuant to 15 U.S.C. 
Please be advised that I do not wish to receive any further communications regarding this alleged debt. I states that multiple times and still receive phone calls and letters. So This includes, but is not limited to, phone calls, letters, or any other forms of communication. I expect your compliance with this request effective immediately. In addition, as per the FDCPA, I request that you provide me with the following information regarding the alleged debt : XXXX. The amount of the debt. 
XXXX. The name of the creditor to whom the debt is currently owed. 
XXXX. Evidence that you are legally authorized to collect this debt. 
XXXX. A copy of the original contract or agreement that created the debt. 
XXXX. Proof of the debt, including any relevant account statements. 
If you can not validate the debt as requested, I ask that you remove the debt from your records and cease all collection activities.
Consumer complaint received 2024-06-28
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. (MD)

I am filing a complaint to inform you that you may be in violation of the Fair Credit Reporting Act ( FCRA ) Section 621 ( a ) ( 3 ) ( A ). According to the FCRA, credit bureaus are required to respond to disputes within 30 days of receiving them. My dispute regarding NEGATIVE ACCOUNTS was submitted on XX/XX/2024, and I have not yet received a response.
Consumer complaint received 2024-09-27
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: MORTGAGE SOLUTIONS OF COLORADO (IN)

Also i need to know XXXX speak with about your miapprotatesion of fund that i instructed where to apply and you choose to do as you decided to do as you want with them. 


Why is it that you feel you can apply the payments I have made where you want after I have clearly stated that they are to be applied to prinspal and intrest and nonplace else. 

I have sent you many documents supporting the correct property tax amount and you still wont correct. You have been instructed to call the county and ask to verify the new amount after the deduction are Applied I have been dealing with this since XXXX with your company and keep just getting the same thing we are looking at and someone will contact you and no one ever calls I had a manager tell me to just take you to court because you can do what ever you want with my paperwork I am looking to do a irrrl to lower the rate and get no answers I am a veteran and feel that most of your employees could care less about a vet I would like the CEO to contact me and see how he feels about a fellow vet being treated like that.
Consumer complaint received 2024-10-01
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (RI)

Dear Customer Service Team, I recently received a response from Chase regarding my claim for transactions between XXXX and XXXX, stating that my claim was denied because I didnt dispute all transactions after I reported my card as lost. 

This is completely unreasonable. I never once mentioned that my card was lost or stolen. What I reported was that my identity information had been stolen, possibly by a XXXX XXXX. Fraud in the U.S. is rampant, and the fact that Chase is not taking this seriously makes me feel that it is because XXXX XXXX. 

The reason I didnt dispute all transactions is simple : the ones I didnt dispute were my legitimate purchases. I didnt notice the fraudulent ones until much later, and thats partly because Chase never alerted me to these large, suspicious transactions. It wasnt until I was preparing to return to my home country that I even checked my balance and realized how much money was missing. I discovered that my card had been used for online transactions with foreign companies, and despite providing you with plenty of evidence, Chasea company that seems to be discriminating against merefused to assist me.

I expect Chase to treat me fairly and investigate this case properly, instead of dismissing it and ignoring the evidence Ive already provided. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2024-09-28
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (VA)

I discovered a collection report from National Credit System regarding a debt from The Encore Apartments for {$7400.00}. This collection account was opened on XX/XX/year>, and updated as recently as XX/XX/year>, without my prior knowledge or any notification from either National Credit System or The Encore Apartments. I was not informed of the debt or given the opportunity to dispute the charges, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Additionally, my fiance, who was also associated with the account, received the same collection report. Neither of us was contacted or notified about the debt by email, phone, or letter, further violating FDCPA guidelines, which require them to inform all responsible parties and give us the opportunity to dispute or validate the claim before reporting it to credit bureaus. As a result, the collection was reported directly to the credit bureaus, negatively impacting both of our credit scores. 

Furthermore, I had been requesting the return of my security deposit and the XXXX months rent I had paid upfront. At the time of my departure, 20 days of that rent were still remaining unused. Despite my attempts to resolve this matter with The Encore Apartments, no action was taken to address my request or refund the amount owed to me. 

To resolve this, I have previously tried contacting The Encore Apartments and their management, but no resolution was provided. I have documented proof of my communication attempts, including emails and a timeline of events, such as when my access to the apartment was XXXX, which ultimately led to my departure from the property. 

I request that this collection be removed from both my credit report and my fiances, due to the lack of notification and violation of FDCPA guidelines.
Consumer complaint received 2024-09-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (CA)

On XX/XX/XXXX I submitted an XXXX XXXX XXXX ( XXXX ) application for my federal student loans through the studentaid.gov website. My loan servicer, Aidvantage, confirmed receipt of my application on XX/XX/XXXX. They asked me to provide my income information on XX/XX/XXXX, which I did on XX/XX/XXXX. Aidvantage confirmed receipt of my income documents on XX/XX/XXXX. I graduated from California XXXX XXXX XXXX XXXX in XXXX of XXXX. 

I received no further messages or correspondence of any kind from Aidvantage until XX/XX/XXXX, nearly XXXX ( XXXX ) months later. On XX/XX/XXXX, Aidvantage sent me a letter stating that I had a first payment of {$2400.00} due on XX/XX/XXXX. I immediately reached out to Aidvantage since my income for fiscal year XXXX was only {$21000.00}, to find out how they calculated my monthly payment. 

At that time, I was told that I had selected the " help '' option when I applied, when I fact I selected the Saving on a Valuable Education ( XXXX ) plan. Aidvantage then told me that my XXXX application was not processed due to my loans being in a grace period since I had just graduated in XXXX of XXXX. I asked for Aidvantage to provide me with a copy of my original IDR application since I am unable to download it and get a " XXXX page not found error '' when I click on the link to try and download my original IDR application. 

Aidvantage still has not provided me with my original IDR application that I submitted on XX/XX/XXXX, and is now claiming as of XX/XX/XXXX that my IDR application was denied because " it was submitted through studentaid.gov '' without providing any information as to how a new XXXX application can be submitted through Aidvantage 's website so that it will not be denied. 

Best regards, XXXX XXXX XXXX, XXXX.
Consumer complaint received 2024-09-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SOFI TECHNOLOGIES, INC. (MD)

According to the Federal Trade Commission ( FTC ) I am a victim of identity theft. 
Uniformed Commercial Code UCC 3-305 ( c ) Pursuant to UCC 3-305 ( c ) a holder in due course ( such as the credit bureaus ) can not assert the rights of a person against whom the defense of fraud is available. Therefore, these inquiries, which are fraudulent in nature, must be removed from my credit report as I did not authorize them. 
Fair Credit Reporting Act ( FCRA ) Section 605B : 1. 15 usc 1681 : section 604a 1. Name : XXXX XXXX Account : # XXXX 2 Name : XXXX XXXX  Account : # XXXX 3 Name XXXX XXXX XXXX XXXX Account : # XXXX
Consumer complaint received 2024-08-08
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

A person impersonated a Citibank employee and spoofed their phone number. He knew my name, address, account number and balance. He described a XXXX scam to steal money and was protecting me. He sent a request for my balance, I refused it and the bank declined the transfer after sending a email asking if I authorized the transaction, which I did not. But my money was gone. I immediately called Citibank to alert them and was told to expect a provisional credit while they investigated. 
Nearly XXXX XXXX  have passed and they have been totally unhelpful and uncooperative, and still refuse to issue a refund. 
Please see appended documents, including a police report. 
I appreciate your help. Thank you.
Consumer complaint received 2024-06-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I do not recognize these queries in my report. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX NA XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian I do not recognize these late payments, these accounts were PAID and closed during covid because i lost my job, please request that they be eliminated since it tremendously affects the possibility of improving my financial life. 
XXXX XXXX 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 2024-09-25
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am submitting this complaint against Portfolio Recovery XXXX ( XXXX ) regarding a collection account they are reporting, originally from XXXX Bank. XXXX has failed to provide sufficient debt validation despite multiple disputes. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have requested proper documentation proving the validity of this debt, including a signed contract or original agreement. However, XXXX has only provided generic information that does not meet the legal standards for debt validation. 

The account is still being inaccurately reported on my credit reports, causing significant harm to my XXXX XXXX. The discrepancies include : Date Opened : XXXX reports XX/XX/year>, while XXXX reports XX/XX/year>. 
Comments Section : Different comments on each report, creating confusion about the status of my dispute. 
This ongoing non-compliance is a violation of my rights under XXXX XXXX. XXXX ( b ) and XXXX XXXX. XXXX. I request that CFPB investigate this matter and order the immediate deletion of this collection account from all my credit reports, as XXXX has failed to validate the debt and continues to report inaccurate information.
Consumer complaint received 2024-10-07
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. (NY)

unfortunately i am a victim oXXXX XXXX XXXX  of Debt bondage. i have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after i supply proof of who i am as well as a victim determination letter according to 1022.124 ( B ) ( 6 )
Consumer complaint received 2024-10-08
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (CA)

After I gave birth on XX/XX/XXXX at XXXX XXXX, I set up a payment plan with the hospital and it was paid off when my daughter turned XXXX XXXX XXXX in XXXX. I received a phone call in XXXX from XXXX XXXX XXXX that the insurance company hadn't paid them the payment at that time. I was told to contact the insurance company ( XXXX XXXX XXXX  ) and was threaten that the hospital will transfer the debt onto me if the insurance company doesn't pay the hospital so I called the insurance company and asked them to pay the payment. Now, I'm scanning the document and it seems like the hospital tried to claim the payment from XXXX XXXX California. It is a very stupid mistake that we told the hospital so many times that they needed to make the correction. 
More than a year later, XX/XX/XXXX, I received a mail from XXXX XXXX XXXX, a debt collector is claiming the payment from me. I called XXXX XXXX XXXX to clarify that we paid off our payment as we still have the records of the account # with XXXX XXXX. I also called the insurance company ( XXXX XXXX Florida ) to clarify the payment on XX/XX/XXXX, I was told that they erase payment history after 2 years, so they don't have records if they already paid the hospital or not. The lady at XXXX XXXX XXXX said that she will need to escalate the issue to her supervisor to get information. 
I got a phone call today from CMRE ( XXXX ), but the lady on the phone wouldn't give details of the reason for calling. All I got was the name of the company and very rude attitude. 
I looked up the company and understood that I need to take actions. 

It's very unfair that I need to go through this when I'm still trying to figure out what happened and why I'm bothered by a payment that I do not owe.
Consumer complaint received 2024-09-06
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION (SC)

To Whom It May Concern, Re : XXXX I am writing to continue my dispute with the merchant and have included documentation to support my claim that goods/services were NOT as described NOR received. 
Please see the following per your request : Document A - A copy of my purchase agreement/contract, including evidence to support that XXXX XXXX XXXX XXXX XXXX and XXXX # XXXX Massage was included in the contract. 
Document A-1 Text message from the XXXX center sales coordinator outlining the agreed services of the contract with the contract price. 
Document ( s ) Below - screenshots of my attempts to contact the XXXX center to resolve the issues of not receiving the XXXX XXXX and not receiving the massage. This is my statement providing documentation that shows my attempts to reach the Doctors office to no avail to correct the problems. To this date the Doctors office has not responded to my messages leaving me ignored. 
XXXX. Social media messaging on XXXX was read and left unanswered. 
XXXX. XXXX, Text message to XXXX XXXX XXXXXXXX center was never responded to. 
XXXX. Two calls were made to the massage center on XXXX, both were to see if the massage center received the authorization for the massage as indicated. Both times we were told no that an authorization was never sent. One other call was to the Doctors office directly on XXXX. Twice I attempted to call XXXX XXXX center with no answer on XXXX. I made a total of XXXX attempts were made on XXXX before we had to leave XXXX, Florida. 
Furthermore, you have received documentation from the merchant clearly indicating that only thXXXX XXXX XXXX and XXXX XXXX was performed. 
I am requesting credit value for the unreceived services oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am not aware of the monetary value of said services as they are all rolled into the XXXX XXXX price of the {$2800.00} to which the merchant charged me {$2800.00}. 
This is a clear breach of contract, where services were not rendered and/or received. To date, no one from XXXX XXXX Center has followed up with either my daughter or me regarding our complaints. 
As my daughters immediate caretaker following her XXXX, I took on the responsibility of contacting the XXXX center on her behalf, as she was in significant pain and under the influence of pain medication and anesthesia during this time. 
Please let me know if you require any further information or have any questions. 
Respectfully, XXXX XXXX XXXX
Consumer complaint received 2024-09-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (FL)

Aidvantage keeps placing my consolidated direct loan into forbearance, even though I have directed them on mutlitple occasions to not do so. I am a XXXX XXXX within XXXX XXXX  XXXX XXXX XXXX, and by Aidvantage  keep placing this loan into forebearance, they have robbed me of credits I would have otherwise received towards Public Loan Forgiveness ( PSLF ), resulting in the delay of PSLF receipt and increasing overall interest accumulation. Please see below timeline : XX/XX/2024 : Deferment applied, called same-day to remove the deferment and directed not to place this account into any deferment or forbearance. 

XX/XX/2024 : Deferment re-applied to account without my knowledge or consent. 

XX/XX/2024 : Discovered deferment applied to account, called to remove. Aidvantage rep would not answer my question about the 4 months of lost credit time for PSLF due to their negligence. 

XX/XX/2024 : Forbearance unilaterally applied to account by Aidvantage. Tried to call, but offices closed.
Consumer complaint received 2024-10-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC (TN)

To whom it may concern, I am submitting a complaint against Continental Fin Co under 15 U.S.C. 1681i for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, Continental Fin Co has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company at the end of XXXX to notify them of a layoff that occurred at my employer ; therefore, I was laid off and called to exercise my credit protection plan that I paid into monthly. Today ( XX/XX/XXXX ) I called to ask why I am showing as delinquent and I was told that my account was closed-charged off ; however, this information was never disclosed to me and my credit report is not showing closed, it is showing open/delinquent as of 30 days. I paid for a service and did not receive it. The credit protection should have made payments on my behalf. I plan to seek litigation unless this item is completely deleted from my credit. I want a letter emailed to me within 3 business days : ( XXXX ) on company letterhead stating that this account is no longer in delinquency and the matter has been resolved. Thank you for your attention to this issue.
Consumer complaint received 2023-08-09
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. (PA)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2023-08-09
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. (DC)

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance Owed : {$46000.00} XXXX XXXX XXXX XXXX XXXX