davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC. (TX)

Midland Credit Management Inc. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Good evening, I am writing to formally request validation of the debt associated with the account/case number : ( XXXX ). As per the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ), I am exercising my right to request validation of this debt. 

In accordance with the FDCPA XXXX ( a ) ( XXXX ), I kindly request that you provide the following information within 14 days of receiving this letter : XXXX. Validation of the debt amount, including any fees or interest charges. 
XXXX. Documentation proving your agency 's authority to collect this debt, including validation of ownership and assignment. 
XXXX. Proof of the original creditor and the original account agreement. 
XXXX. Comprehensive details of any previous attempts made by your agency or others to collect this debt, including dates and methods of communication. 
XXXX. Validation of my obligation to pay any debt to Midland Credit Management XXXX. 

Failure to provide the requested information within the stipulated timeframe will necessitate a request for removal of the account from my credit report, as authorized by the FDCPA XXXX ( b ). 

Furthermore, I respectfully request that all communication regarding this matter be conducted in writing, in accordance with the FDCPA XXXX ( c ), and refrain from any further phone contact. 

Your prompt attention to this matter is greatly appreciated. 
Would also appreciate it if this could be sent to all three credit bureaus as well. XXXX Thank you for your cooperation.
Consumer complaint received 2024-04-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: CARRINGTON MORTGAGE SERVICES, LLC (GA)

I applied with a loan in XX/XX/XXXX with Carrington Mortage. My lender was XXXX XXXX. XXXX XXXX. 

I borrowed money from a hard money lender in XXXX. I was on a strict timeline on getting the work completed and the home refinanced. The home was not completed until XX/XX/XXXX. I had to make sure that the hard money Lender received all of his money by XX/XX/XXXX. The hard money lender was XXXX XXXX 

I reached out to XXXX XXXX numerous times I told him that I needed to get done quickly, he assured me there would not be a problem. That was not the case. There was always an issue. XXXX wanted this, and that. I still did not have a clear to close as of XXXX XXXX. 

I finally did receive a clear to close on XX/XX/XXXX ( approximately. ) but my interest rate was at 10.5 percent. XXXX assured me my rate would be at 7 or 8 percent when we started.. My credit score was above XXXX. I showed proof of me being a landlord for over 20 years. I had no choice but to take the deal. I had no late payments in 2 years. I had 6 other mortgages. 

So now I am stuck paying this note with this high interest rate. 

To make matters worse I received a call from the lender saying that there was an error with the pre-payment penalty. I was told there would be no pre-payment penalty originally. Now they want me to sign paperwork allowing them to charge me a huge pre-payment penalty if the loan is closed within 350 payments. 

I emailed the person about the pre-payment penalty, but I have not received a call back or email. To be honest, I don't have a clear understanding of what she wants me to sign. 
I feel that Carrington Morgage took advantage of me, and they are further trying to take advantage of me. If I don't get this issue resolved, I will be petitioning the Geogia Secretary of State to investigate Carrington so there licensed can be revoked.
Consumer complaint received 2024-06-17
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (NY)

I received an Amex XXXX XXXX. This includes an email You have received a American Express XXXX XXXX from XXXX. I clicked the link to validate the card, which loads on XXXX XXXX XXXX XXXX XXXX and shows a balance. I was able to use it twice when I first received it, but not since. I attempted to use this card at a variety of stores online ( XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  ) as well as in person ( local food store, XXXX, XXXX ) using less than the balance on the card and the transaction was declined each time. I tried again with various other amounts less than the full face value. I'm not able to provide proof of decline in-person, but you can see in the attached files for the decline of the XXXX, XXXX, and XXXX XXXX as example. Many people have reported having this problem starting this past year.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

I called Bank of America because I was not able to open a Bank account on my behalf. I ordered XXXX XXXX  and t showing I owed money on this financial institution. I reported them that my bank debited the money on my checking account when I was in the XXXX and that I don't received. 
I was in the XXXX that day and I went to atm machine to withdraw money and it happened nothing dispense on the ATM,. I reported it to the Bank in the XXXX and showed that my bank was debited and I never received the money thru ATm. The manager created a report they said it would takes a couple of months. So I disputed it to Bank of America and this is what happened they closed my account and telling me I owe the money that I never received. I am suffering now I can not open any bank account.
Consumer complaint received 2024-04-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION (CA)

My I my identity was stolen my wallet my car my personal information I think my daughter XXXX XXXX is using my name to get XXXX XXXX XXXX XXXX XXXX Etc or my aunt XXXX XXXX is doing with her they get check in my name they had bank accounts in my name I can not rent a place to live an in hotel with very bad XXXX XXXX XXXX homeless XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX in my bank take money out of my account that was stolen from me and they will not give it back for me to me so I'm behind {$200.00} every month until I can get it which I can't make it up to balance and reporting my wallet stolen they credited me they took the money back I think it's unfair.I don't have enough money to live now an upside down every month.
Consumer complaint received 2024-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc. (WA)

My student loans were originally serviced through XXXX, which was without issue until the loan was to be transferred to another administrator, AidVantage, in XX/XX/year>. 

Immediately prior to the transfer, XXXX incorrectly applied {$3300.00} of interest that had been paid to the loan. XXXX had said that it was an internal issue with the system, and that they would take care of it, although they were not able to provide a time line as to when this would occur. The loan ended up being transferred to Aidvantage with the incorrectly applied interest remaining. 

AidVantage has not been able to address the issue, and has either provided no meaningful information when asked, or has stated that because the issue occurred with a previous loan administrator there is nothing that AidVantage can do to address it.
Consumer complaint received 2024-04-29
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: Open Dealer Exchange, LLC (IL)

I have hard credit inquiry,XXXX that are not me doing this, no permission has been given for XXXX hard inquiries, it's not me applying in my name, XXXX was in XXXX XXXX iv nit been a XXXX  since XXXX when I got divorced, XXXX recent from same company denial letters XXXX XXXX that's not me, someone has been applying in my name, I'm not applying fur credit cards at all or bank loans in Kentucky XXXX XXXX 2 x in Kentucky iv never given anyone permission to check my credit at car dealers in Kentucky ever, I live be in Illinois . There is identity theft going on here XXXX hard inquiries now on my credit report and it's not me applying fur anything. I don't have a denial letter yet from a XXXX hard inquiry that just happened more recently by XXXX XXXX again, I need to screen shot the other XXXX hard inquiries to send that's on my XXXX XXXX report.
Consumer complaint received 2024-04-29
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: Open Dealer Exchange, LLC (IL)

I have hard credit XXXX that are not me doing this, no permission has been given for XXXX hard inquiries, it's not me applying in my name, XXXX was in XXXX XXXX XXXX nit been a Peek since XXXX when I got divorced, XXXX recent from same company denial letters XXXX XXXX that's not me, someone has been applying in my name, I'm not applying fur credit cards at all or bank loans in Kentucky XXXX XXXX XXXX x in Kentucky iv never given anyone permission to check my credit at car dealers in Kentucky ever, I live be in Illinois . There is identity theft going on here XXXX hard inquiries now on my credit report and it's not me applying fur anything. I don't have a denial letter yet from a 3rd hard inquiry that just happened more recently by XXXX XXXX  again, I need to screen shot the other XXXX hard inquiries to send that's on my XXXX XXXX  report.
Consumer complaint received 2024-04-29
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc. (FL)

I moved to TN in XXXX I will double verify day and year when I got an apartment at XXXX XXXX it seemed great at first the complex was over run with XXXX the dishwasher had standing water in the the stove only cooked on high the AC leaked water all over carpet under air handler the bathroom ceiling started to cave in I had a caregiver when I moved in the management was aware my caregiver an I got approached by management and was asked to keep our ears open and let her know who is doing what and with who and we would pass apartment inspection when we declined nothing got fixed she went to the extent of banning and trespassing my caregiver denied me XXXX other caregivers when the hud inspection came the apartment failed for the doors for the ceiling they came and took all the doors including my bathroom door off the hinges I had to fight to get bathroom door put back on then covid hit and the management forced me to move out in the middle of covid the apartment passes their inspection 2 days prior to failing huds i have wrote to all the credit bureaus about it yet its on my credit report and background
Consumer complaint received 2024-04-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREENSKY OPERATIONS, LLC (VA)

They put me in collections when I was XXXX XXXX military and I had notified them I was XXXX XXXX military. As soon as I got out of the military I had paid them back but they had charged off my account and made them missed payments the entire time I was XXXX XXXX. This has highly impacted my credit score.
Consumer complaint received 2024-04-26
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (CA)

I receive a letter on XX/XX/XXXX XXXX XXXX charging me for late fees. 

I called XXXX on XX/XX/XXXX they said I don't have an account with them. 

XX/XX/XXXX receive a letter Credit Card Collections Service is is charging {$250.00} behalf for XXXX. 

I called XXXX XX/XX/XXXX then couldn't find a resolution. I was told the billing company will try to get a hold of me in a few days. I did not receive a call so I called XXXX again XX/XX/XXXX and they found an account with my Father 's name and its about XXXX XXXX XXXX. Me and my father never use XXXX XXXX XXXX. XXXX said they forwars this message to there other department in 24 hours again I did not hear anything back. I again called XX/XX/XXXX XXXX and they said they couldn't do anything about it and contact debt services. I tried calling debt services and I was told To call back XXXX. 

This matter is not resolve.
Consumer complaint received 2024-06-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NY)

When I reviewed my updated credit report dated XX/XX/year>, I discovered that there is erroneous account. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$1700.00}
Consumer complaint received 2024-04-24
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: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

On XX/XX/XXXX someone flew from XXXX XXXX under my name and my credit card number, and a fake email. I have started a dispute with XXXX as well explaining it was not me and asking what identification they used to get on the plane in which nobody seems to know. 
I have made a police report, I have diputed with Bank of America numerous times in which they keep closing my case and not asking for my documentaion. 
I have documentaion from the XXXX XXXX XXXX ( my work ) that I was at work the day before, the day of and the day after that someone had flew with XXXX. I have been a loyal customer with the same email for many years with Bank Of America. There were XXXX charges on the same day that my credit card got hacked and the reimburst for two of the charges but are fighting me on the XXXX XXXX charges because XXXX sent them documentation showing someone flew under my name and credit card number but it wasnt me and I feel like XXXX should have to provide a picture or a identification that that person boarded the plane. I had to cancel my credit cards with bank of america because of their refusal to help me and my credit score went down XXXX points because of them. Also my drivers lisence has my maiden name with my married name as well.
Consumer complaint received 2024-04-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (MI)

I wont a letter simply saying in XXXX, say 15 U.S. Code 1692c - Communication in connection with debt collection states, If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Consumer complaint received 2023-03-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Consumer complaint received 2023-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OH)

I submitted a complaint through CFPB on XXXX  about incorrect information shared on my credit report. All 3 CRAs claimed they did an investigation yet are still reporting different info. 
It is taken me this long to submit another complaint rather than a dispute because of circumstances that could've been prevented with an accurate credit report. With CRA slander holding me back, I have been stuck in an emotionally abusive relationship. stress from CRAs and debt collectors, which by definition CRA are also debt collectors. 
They have violated my privacy and my RIGHT to CrMy negative credit score, during that period alone caused/heavily contributed to the following chain of events, To be taken as my AFFADAVIT OF TRUTH, My statement of facts 1. High car insurance cost based on credit score/report was unaffordable so I lost it. 
2. My automobile, used for all my everyday business and personal errands was damaged in an accident. High cost to fix and it is not drivable. 
3. FALSE reports from credit bureaus prevent me from having credit cards to help pay for the damage promptly. It's still damaged in my driveway.

4. No credit card, no rental car 5. With bad credit due to false reporting can't get approved for an affordable automobile 6. I scraped up what I could and purchased an automobile from a private owner for {$1200.00}.

7. It had bald tires that needed to be replaced, once again my negative credit score prevented me from doing so. 
8. Due to the bald tires, I was in a car accident I spent three days and two nights in an XXXX XXXX  ( not a private room, miserable emergency room ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus another totaled vehicle. 
9. I now have no Vehicle and a Credit report holding me back from getting one Credit is supposed 192 of 1933 a.k.a Public Law 73-10 suspended the gold standard and exempts people from paying their debts since their means of paying their debts was taken away from them and replaced with money substitutes that discharge debts instead of paying themed to be for consumers to discharge the debt. 
yet CRA is in cahoots with lenders to keep scores down, and interest rates up and demand these credit transfers be paid back in federal reserve notes although we were never lent XXXX. We the consumers are the true creditors. 
All reports are still inaccurate. They are sharing info I do not consent to.I constantly get emails from all the CRA about " pre-approval '' but when I apply I am denied to CRA. If my signature, according to '' Modern money mechanics '' written by the federal reserve itself states that my signature creates the promissory note then are these companies referred tp me by the CRA, still profiting of my application although I was denied in violation of the equal opportunity act?
Consumer complaint received 2024-06-21
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. (TX)

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX
Consumer complaint received 2024-06-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (IA)

On XX/XX/year>, I purchased a single vehicle history report and its PDF version from XXXX for a total of {$2.00} ( {$1.00} for the report and {$1.00} for the PDF ). Despite this, I was charged {$29.00} twice for a subscription I never agreed to, on XX/XX/year>, and XX/XX/year>. 

The vehicle history reports provided by XXXX are fraudulent, as they are randomly generated and do not provide actual vehicle data. I have attached a screenshot of my transaction history showing these charges. 

I contacted PayPal to dispute the charges, providing evidence from multiple reputable sources, including the XXXX XXXX XXXX XXXX XXXX  ), XXXX, and XXXX, all of which highlight similar fraudulent practices by XXXX. Despite this, PayPal denied my claim, citing consistent IP address activity as the reason. This does not address the fraudulent nature of the charges.
Consumer complaint received 2023-03-13
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. (MO)

I am writing to dispute accounts that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 3rd party data furnishers.