davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-06-03
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. (NV)

Good day! This complaint serves as a follow-up to my initial complaint dated XX/XX/XXXX. I would like to reiterate that per FCRA Section 605B, credit reporting agencies are required to remove any items listed on an identity theft report. My report was filed under reference number XXXX. Attached once again are the necessary documents to assist in removing the erroneous personal information and inquiries posted to my report. The items opened without my permission are listed below : EXPERIAN : 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 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 According to FCRA Section 605B ( a ), credit reporting agencies must remove any items in a consumer 's file identified as resulting from identity theft no later than four business days after receipt.
Consumer complaint received 2024-01-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

Your company is impairing the efficiency of the banking system, do you want to be accountable for that? You have an obligation to meet my needs. You have an obligation to conduct yourself in a manner which is fair and equitable to me. You have an obligation and a duty to ensure that this information is accurate and is relevant. The continued reporting of such information means improper utilization of my information.
Consumer complaint received 2024-04-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (PA)

Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint against Midland Credit Management , XXXX XXXX 
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Midland Credit Management XXXX XXXX for egregious violations of my consumer rights, as protected by the Consumer Financial Protection Act. 
It has come to my attention that Midland Credit Management XXXX XXXX placed a collection on my consumer file without issuing the requisite notice and without notifying me of my rights to dispute this alleged debt. 

I hereby declare my revocation of all communication channels with Midland Credit Management XXXX XXXX, including text messages, emails, and phone calls. I insist on engaging exclusively through written correspondence. 

In line with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ), I am formally requesting that Midland Credit Management XXXX XXXX provide a purchase order agreement between them and the original creditor. I am particularly concerned about the accuracy of the account information, as the agreement may contain clauses stating that the data being purchased might be inaccurate. If Midland Credit Management XXXX XXXX is unable to produce this documentation, I demand the immediate deletion of the account from my credit report. 

The date on my consumer report indicating that I opened an account with Midland Credit Management XXXX XXXX is blatantly false. I neither received any services or products from Midland Credit Management XXXX XXXX nor entered into any contractual agreement with them. This misinformation tarnishes my credit history and infringes upon my consumer rights. 

The actions of Midland Credit Management XXXX XXXX constitute clear violations of 12 CFR 1006.34 ( d ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), and 15 USC 1681-s 2 ( 7 ) ( a ). I am formally demanding the swift deletion of this collection from my credit report, and I trust that Consumer Financial Protection Bureau will thoroughly investigate and address these infractions. 

Please keep me informed about the progress of this complaint and I appreciate your attention to this matter.
Consumer complaint received 2024-08-22
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: Larry H. Miller Group of Companies (WI)

On XX/XX/year>, I called Prestige Financial to request that they update the legal name on my account. They said as a matter of company policy they do not change names on accounts or on vehicle titles. 

Prestige Financial still includes my old, incorrect information on my credit reports. 

I provided them with the court order for my legal name change and they still said they will not update my name.
Consumer complaint received 2024-08-22
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (CA)

I am living in XXXX XXXX and I purchased an XXXX XXXX business class ticket from here to XXXX in XXXX. When the purchase process navigated me to the payment page, an ad from Citibank for a Citi/AA Advantage Platinum Select World Elite Mastercard appeared . It offered me a {$250.00} flight credit for applying that minute and showed me the price of my ticket, the {$250.00} credit and the new price of the ticket. Since I could get {$250.00} off my ticket price I clicked, applied, and was approved right away ( account ending in XXXX ). Unfortunately, the approval page then stated that I could only use 10 % of the approved credit limit that day, meaning that I could not pay with the new credit card and not receive the {$250.00} card credit. I called regular customer service, and they could not help me. Of course, I could not wait to purchase the ticket until I got the actual card in the mail ( around a week ), as I would lose a very good price for my ticket. So I had no choice but to purchase the ticket with another credit card. 

It is unethical and bad business practice to create an ad that promises me - showing the accurate math - the advantages of applying for a product and then switching the terms after I've agreed to use the product.
Consumer complaint received 2024-08-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc. (ID)

I have no knowledge of any of these two accounts : North American Recovery ( NAR ) and XXXX XXXX XXXX ( XXXX ). Please send me " evidence '' ( i.e. a contract directly with NAR and XXXX ) that I have done business with them. If not, they need to be removed in its entirety and without delay. Additionally, I did not approve of the attached inquiries as I did not authorize these companies to run my credit as I am particular on who views my credit history.
Consumer complaint received 2024-08-21
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Consumer Portfolio Services, Inc. (KY)

Consumer Portfolio Services-multiple addresses XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX KY XXXX XXXX SSN # XXXX XXXX XXXX CONSUMER PORTFOLIO SERV I have a negative item reporting on my credit from your company in the amount of {$18000.00}. This information is incorrect. Can you please produce and send me the original contract to support this. 

Thank you, XXXX XXXX My account was updated to another incorrect amount- Account charged off. {$18000.00} written off. {$13000.00} past due as of XX/XX/2024. I am requesting the original assignment contract to validate this account. I have requested this numerous times with no follow up from CPS. The last payment date is incorrect as well as the written off amount.
Consumer complaint received 2024-07-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (SC)

MOHELA misapplied my XXXX student loan payment. I have XXXX direct loans that are serviced by MOHELA. My payment for XXXX was withdrawn from my account in the correct total amount, but MOHELA only applied the payment to XXXX of the XXXX loans. The other XXXX loans are showing a {$0.00} payment for XXXX while the XXXX loans that did get credited a payment are paid ahead until XXXX. This is negatively affecting me as a borrower as it appears that I did not make any payment on XXXX of my loans when, in reality, I did. Moreover, it affects my qualifying payment counts for XXXX.
Consumer complaint received 2024-08-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CREDIT ACCEPTANCE CORPORATION (VA)

Back in XXXX  I purchased a car from a dealer and the financing company that was used charged me an high interest rate and added somethings I didnt want but was told I had to get. The dealer was XXXX cars in XXXX XXXX And the financing company was Credit Acceptance Corp. And now Im being told because I cant afford the payment they will be repoing the vehicle soon. I believe I was taken advantage of in many ways and that the fees and the percentage rate was outragious. I was made to get an extended warranty that not long after getting the vehicle I had to take it back for bad turbo. And they wouldnt cover bolts or gaskets anything it needed to be put in all together they wanted me to pay out of pocket almost {$700.00}. So it didnt get fixed.
Consumer complaint received 2024-08-12
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY (NY)

I have a XXXX store credit card issued by TD retail Card services. My payment due date on this card is the XXXX of every month. 

Sometime around the end of XX/XX/year>, TD retail services revamped their online interface. As a result, I was locked out of my account. I tried reaching out to their customer service department and was on hold for a total of more than 8 hours during a span of a week.

TD Bank has made no efforts to address accessibility. I am not sure about the current status of my account, nor am I sure about when I will get access to it.
Consumer complaint received 2023-11-14
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: EQUIFAX, INC. (FL)

I recently reviewed my credit report and found unauthorized inquiries. 
I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other. 
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 2024-08-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (FL)

In XX/XX/year>, after moving out of my residence at XXXX XXXX XXXX, XXXX, I received a communication from Columbia Debt Recovery, LLC regarding an alleged debt related to move-out charges. The amount claimed is disputed because there is no contractual agreement between me and Columbia Debt Recovery, LLC that would make me liable for these charges. 

During my tenancy, I was approved for the XXXX rental assistance program. The agreement I signed, along with a bill released by the governor at the time, explicitly stated that certain charges related to the assistance program could not be sent to collections. Despite this, the company has continued to pursue the debt, claiming I owe move-out charges that should have been protected under this agreement. 

After receiving their communication, I requested physical validation of the debt, which they provided. However, I was never sent a physical letter to dispute this debt, as required by law. Additionally, this validation did not include any contractual agreement between me and Columbia Debt Recovery, LLC or XXXX XXXX XXXX, XXXX that would make me responsible for these charges. Therefore, I am disputing the validity of this debt and seeking the removal of this account from my credit report due to the lack of a legitimate contractual basis for the claim, the improper handling of the XXXX assistance agreement, and the failure to provide the required physical notice.
Consumer complaint received 2024-01-30
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. (NY)

In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 's 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2024-08-20
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: AMERICAN EXPRESS COMPANY (CA)

i booked 2 nights at a resort in XXXX that was listed on AMEX 's search engine under their HOTEL & RESORTS COLLECTION, which qualified me for a {$300.00} credit. AMEX refused to credit the amount because they claimed that particular property was not part of that plan EVEN THOUGH it appeared in the search engine on their travel website. they charged me late fees and took the " outstanding '' Balance to Collections ( XXXX ). Furthermore, the Resort was underwhelming at best, with cockroaches in the rooms- i would like the {$300.00} charge removed asap along with any late fees.. thanks XXXX XXXX
Consumer complaint received 2024-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Everi Payments Inc. (TX)

On XX/XX/year> Upon attempting to visit XXXX XXXX in XXXX XXXX, I attempted a withdrawal for {$1500.00} which was declined by XXXX ATM ( XXXX XXXX ) I received an error message which told me that the transaction could not be completed, and that the account had not been charged. My Card was returned and no receipt was printed. The ATM Then went into a red display mode and said ATM Temporarily unavailable. However when I notified XXXX of this issue, XXXX tried to tell me they needed time to contact the XXXX XXXX XXXX. During their investigation they received supposed film and confirmed according to them that the cash was dispensed. I did not receive any cash from this ATM. My ATM XXXX limit is only {$1000.00}, not {$1500.00}. Secondly, I received an error at their ATM Machine, and I did Advise the XXXX on duty at that time and they did nothing to resolve the issue instead telling me I was not charged. This Same ATM attempted to charge me for Gaming tickets as well, even though I performed only a balance transfer. It tried charging me 8 times the same night {$1400.00}, {$1400.00}, {$840.00}, {$1600.00}, {$1600.00}, {$1700.00}. All of which were declined by my bank and the card was returned each time, However the ATM continued to provide errors. Account not charged and kept becoming temporarily unavailable. At this time I still have not received any funds from This ATM. Regardless if XXXX and XXXX were used my bank allowed the last transaction to go through, and I did not receive any funds. I did not attempt making a withdrawal for {$1500.00}. I was attempting a balance transfer. Which still requires you to use the pin. Lastly, I was not made aware of the fee that the ATM was charging in advance either. I was not prompted with a message to warn me about any fees. I did not accept such messages, and I did not receive any funds. I did bring money with me, and regardless what they think I had money already in my wallet and not from this transaction. I fully believe if a service or merchandise is not received the merchant is obligated to provide a refund. This is due to XXXX XXXX XXXX this time XXXX XXXX continuing to provide false information and XXXX XXXX not conducting a proper investigation.
Consumer complaint received 2024-08-12
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC (ME)

Newrez mortgage is not applying payments and reaping the interest benefits. I make bi-monthly payments totaling my full monthly payment via my bank every month. They do not apply the first payment because they do not accept partial payments. They are applying these payments to principal and then harassing me that I haven't made my monthly payment. Since my loan transferred to them they had not been applying any of my payments correctly, and even after talking with rep, I was advised that even they fix the past patment i would have to keep doing this each month. Why is company allowed to mismanage payment. I have even gone through thier online portal to for the issue and all i recieve is a message that they are researching my issue & will get back to me. I never have any other message than this. Every week the message from Newrez is that someone will reach out soon. Now I keep getting calls from them that i am late with my payment. I am not late, they are misapplying payment. It is a deceptive and unfair practice and they need to be held accountable.
Consumer complaint received 2024-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (AL)

FSA outlined an option this year that if you consolidate your loans by end of XXXX, and elect for SAVE plan, I would be eligible for PSLF and my payments would be more manageable. I elected to do that. I applied for consolidation, and applied for SAVE. My consolidation went through and my loans transferred from XXXX to Mohela. My IDR request, however, did not go through due to the stay. Because of this, they automatically put me on the standard plan even though I did not elect for that. My current payment is now due XX/XX/XXXX at almost 4x my previous monthly payment, at almost {$1000.00} a month. Through XXXXDR I would be paying between XXXX which is a significant difference. I can elect to be put in administrative forbearance, but I will accrue interest that will capitalize if I dont pay as it accrues. Further, payments during this forbearance do not count for PSLF. I asked how it was allowed to put me on a standard plan when I was previously on IDR, and I have a new app for a different IDR, and I never once elected or authorized a standard plan. Mohela nor FSA had an answer. So Im just stuck in this limbo because they are not processing ANY IDR apps until the stay is resolved. 

Further, my PSLF apps have been pending for MONTHS before this pause even happened. One entered into review at the end of XX/XX/XXXX, before the pause, and still has not been reviewed. I have payments from XXXX that qualify, from an old lender, that I know I will have to show evidence for but I cant even get that process started because nobody is doing ANYTHING to move my accounts forward. So Im just stuck accruing interest with no credit toward PSLF and its not my fault at all. I did nothing wrong. 

I regret consolidating and switching plans. I feel like I was tricked. And nobody - mohela or FSA - seems to be able to help me get out of this limbo I am in.
Consumer complaint received 2024-08-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AES/PHEAA (VA)

I have continued to dispute the information from XXXX and XXXX XXXX with the following statement : " I dispute all of the above. Fraud : no evidence I took out a loan or made a payment in XXXX or ever. I never received a bill in the mail, verification of loan documents with wet ink signature, supposed school I attended, etc. Please delete this. '' They used to take it off my report, but it keeps reappearing with these XXXX loan servicing liars putting it back on as a new loan each time. It also used to be XXXX. To this date, I have never received a bill or any documentation from these companies for any fake loans in XXXX they claim I took out. I was never in school at this time. 

Lastly, the XXXX agencies will not allow consumers to protect their identity using a XXXX.
Consumer complaint received 2024-06-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (LA)

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports