davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-09-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (GA)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-09-08
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TX)

Someone fraudulently accessed our XXXX account and sent themselves XXXX in illegal wire transfers. We dutifully reported this to our bank who closed the case, and claimed that it was a legitimate transaction authorized by us. They are now actively participating in defrauding us of our own money and refuse to assist.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC (NV)

I was given by the National Credit Adjusters my social XXXX and my email address XXXX that I have found to have been placed in the black web over 22 times and I since have opened identity theft claims. Due to this issue, it is hurting my credit filings and is causing me hardship, stress, and credit denials. 
I was also provided from the representative of National Credit Adjusters with the street address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX XXXX That is not my address, never have lived at this address and in which does not belong to me. 
I was then given the email XXXX to dispute the alleged account along with an account number # XXXX, I was also provided with the open dates of the mentioned account of XXXX XXXX, and XX/XX/. Stating that this account belongs to the original owner of XXXX XXXX. 
I have no known recollection of this account nor have I opened an account with this company.
Consumer complaint received 2023-04-10
Product: Credit reporting, credit repair services, 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)

there are fraudulent information on my credit report : XXXX Inquiries 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 2023-07-18
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: FORD MOTOR CREDIT CO. (VA)

Lost job then covid. Ford repoed car. Never sent any late notices or notice if sale or offer to purchase or amount left after sale. Ford discharged the debt for more than was balance. Then sold it to a debt collector which is now charging 16 % interest. Can't afford a car payment so it will never be pd off.
Consumer complaint received 2023-08-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc. (NC)

Received letter from Diversity Adjustment Service Inc. Stating that I owe {$2200.00} from XXXX XXXX I have confirmed with them that I do not have a balance with them regarding this amount. Believe that they are trying to commit fraud again with me once again for the 2ND TIME within a week.
Consumer complaint received 2023-09-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc. (CT)

My loan started out as an XX/XX/XXXX loan with XXXX. It was transferred to XXXX  XXXX XXXX. It was then transferred to XXXX. It is now with Mr. Cooper. Mr. Cooper says they can not locate the original loan terms and can not offer me any information. 
The company misled me about my options. I requested to be considered for a modification during my Covid-related hardship on XX/XX/XXXX. They placed me in forbearance until XX/XX/XXXX, after which time they told me that I didn't qualify for a refinance. Now they are foreclosing on me and they won't talk to me. They refuse to tell me who the owner of the loan is so I can negotiate with them.
Consumer complaint received 2023-09-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (TX)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Consumer complaint received 2023-09-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Consumer complaint received 2023-09-08
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Mercedes Benz Financial Services (FL)

I am submitting this complaint against Mercedez Benz Financial Services, regarding the incorrect information on my credit report on the outstanding balance and reporting payments for lease. In XX/XX/XXXX, I began my four year auto lease with Mecedez Benz. In XX/XX/XXXX during the covid XXXX pandemic, my vechle was stolen and it took XXXX months to recover the vechle and the damanages. Due to covid-19 Mercedes-Benz financial services agreed to defer my payments for 5 months. Lease ended in XX/XX/XXXX and vehicle was inspected at home and turned in with a XXXX balance. Months later Mercedes-Benz Financial reported a {$6100.00} debt to all credit bureaus. I have been trying to remove this debt with all three credit brueas for months for this unaccurate information that Mercedes-Benz Financial Services is claiming. I submited documentation when submitting the disputes, which is a offical balance letter with zero balance that was sent to me via mail by Mercedes and copies of report. The information has not been removed and I am unable to obtain credit due to this information in my credit.
Consumer complaint received 2023-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I checked my credit report and saw my personal information was messed up. I have misspelled names, my address, my phone number, and even my work history are not correct. I have attached a letter with the valid address
Consumer complaint received 2023-08-28
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC (FL)

On XX/XX/XXXX, I requested validation of an alleged debt from Source Receivable Management. I only received a statement balance of {$130.00}, which i did not have enough information or a signed contract stating I have taking out a debt with Source Receivables Management. I do NOT recall this debt and I have requested additional information on XX/XX/XXXX which they have refused to provide to me. This debt has negatively impacted my credit and caused me a great deal of stress. 

In addition, I noticed this is the same debt and amount a different debt collection agency stated I owed to them last year on XX/XX/XXXX. I disputed the debt and the collection was later removed from my credit profile.
Consumer complaint received 2023-09-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (IL)

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to express my dissatisfaction regarding the handling of my previous complaint against NCA ( National Credit Adjusters ), which I filed with your agency. I believe my complaint has not been thoroughly investigated, and I kindly request that you reopen the case and review all the documentation I have provided. 

On XX/XX/2023, I submitted a complaint to the Consumer Financial Protection Bureau regarding NCA 's practices. Specifically, I raised concerns about the documentation provided by NCA, which I found to be unsubstantiated and not in line with my requests. Despite my efforts to address this matter, it appears that my complaint has not been taken seriously by your agency. 

In response to the lack of progress from the CFPB, I have taken additional steps to address this issue. I have filed a complaint with the Illinois Office of the Attorney General, seeking their assistance in investigating the actions of this debt buyer. I believe their involvement will help shed light on the matter and ensure a fair resolution. 

I kindly request that you reconsider my complaint and conduct a thorough review of the documentation I have previously provided. It is my sincere hope that by doing so, you will gain a more accurate understanding of the situation at hand and take appropriate action. 

I have attached copies of all relevant documentation to this letter for your reference. Please review these materials carefully as they provide evidence to support my claims. I trust that by examining the evidence, you will recognize the significance of this matter and act accordingly. 

Thank you for your attention to this complaint. I look forward to a prompt and fair resolution of this issue. 

Sincerely, XXXX XXXX
Consumer complaint received 2023-09-07
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

On XX/XX/2023 my automatic withdrawal for the minimum payment of {$20.00} came out of my checking account to pay my Capital One credit card. On XX/XX/2023 another automatic payment of {$25.00} was cancelled by Capital One and I was charged a {$25.00} late fee that same day. On XX/XX/2023 I spoke to a representative to resolve the issue and was told he could not do anything about the late fee or reverse it due to the system. I requested to speak to a supervisor and spoke to the supervisor who proceeded to tell me that he could not wave the late fee because they received my payment on XX/XX/2023. Neither representative explained why I was charged a late fee. Upon further investigation it was found that Capital One 's automatic payment system is not correctly withdrawing the minimum payment. It took out {$20.00} instead of the increased amount of {$40.00}. My payment is automatically withdrawn from my checking account every month for the minimum payment on the XXXX.
Consumer complaint received 2024-04-03
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. (FL)

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :
Consumer complaint received 2023-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL (CA)

Hello, I wish to file a complaint with the credit card company, GE Money Bank for harassment. I am not sure who to directly contact because the debt has been sold several times over the years. I am writing because I have been dealing with this issue since XXXX. I have stated several times in the past that I do not owe the debt but every time it is sold to another company the harassment starts again. About 3 years ago a representative showed up at my mother 's address looking for me, they have also shown up at my workplace looking to speak to me. Today ( XX/XX/XXXX ) I received a call while at work from a representative on behalf of the company asking me to verify my address because they are filing a legal complaint against me. 

I confirmed my address and again explained to the representative I had been dealing with this for years and that it was not mine. I also stated " Statute of limitations in my state '' The representative then went on to explain how they legally have 15 years to try to collect from me. also stated that the company still has 5 years to try to collect on the debt for me. the representative then informed me that they were filing a legal complaint to put a lien on my house, and my paid-off vehicle, and to garnish my wages from my bank account. I then asked for information about the company so I could contact them once given the information the representative ended the call with " We will see you in court, have a nice day '' After going about my day I received a call from my ex who I no longer speak to informing me that he received a call from a debt collector, they left a voicemail on his phone about the debt. He sent me the recorded voicemail and on the phone, the same female representative was talking. The representative left a voicemail stating '' This message is for ( My full name ) how there's been a legal complaint filed against me, a reference number, and for me to call the number back. 

To make matters worse I then received a phone call from my brother that he also received a phone call about the same debt. They were asking him to verify my address and when has he spoken to me because they were looking to file a legal complaint. This is embarrassing because this company should not be allowed to discuss the reason with my family members or ex. I have been harassed for several years now and I would like them to stop. I will not pay a debt that is not mine. This company has committed false claims against me by threatening to put a lien on my property and car. I
Consumer complaint received 2023-09-05
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: AMERICAN EXPRESS COMPANY (GA)

XXXX XXXX, an individual who was previously employed by me as my right hand man, breached and stole my identity and gained unauthorized access to my credit, even resorting to accessing my mail. It is with a heavy heart that I recount the events that led to this unfortunate situation. 

XXXX XXXX was employed by me in the position of XXXX XXXX at my company from XX/XX/XXXX to XXXX XXXX. During his tenure with our organization, it became evident that XXXX XXXX had several character flaws and engaged in dishonest practices, which ultimately led to his termination. 

Dishonesty : XXXX XXXX displayed a consistent pattern of dishonesty during his time at our company. This included making false statements, manipulating financial records, and failing to adhere to company policies and ethical standards. 

Anger Issues : XXXX XXXX 's conduct also raised significant concerns regarding his emotional stability and anger management. On multiple occasions, he exhibited outbursts of anger and aggressive behavior towards colleagues, creating a hostile work environment. 

Access to Personal Information : As part of his role, XXXX XXXX had access to sensitive company information, including personal data of employees and clients. This access gave him an opportunity to gain unauthorized access to my personal information. 

It has come to my attention that XXXX XXXX, after being terminated, stole my identity and gain access to credit in my name. He went to great lengths, including accessing my mail, to achieve his fraudulent objectives. To address this breach of security, I have since recently implemented measures such as mail digests and heightened security protocols to safeguard my personal information. 

Upon uncovering these grave violations, we took immediate action to terminate XXXX XXXX 's employment and reported the identity theft attempts to the appropriate authorities. We have been fully cooperating with law enforcement agencies and have taken measures to enhance our security protocols to prevent such incidents in the future. 

I want to assure you that I deeply regret any inconvenience or harm caused as a result of XXXX XXXX 's actions. Identity theft is a serious matter, and we are committed to assisting in the ongoing investigation to bring him to justice.
Consumer complaint received 2017-11-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: GREAT LAKES (MI)

When talking to XXXX XXXX XXXX XXXX ( my student loan service provider ), they tell me I can not apply any over payments towards principal until my capitalized interest is paid. They also said that the interest compounds daily, which means it accrues approximately at {$130.00} a month ( give or take some dollars because some of the loans have variable rates ). I have a couple of problems. 1. No one who assists you with the loan application when you are applying makes any statements about the ability of the loan to compound daily. ( this would be the only loan available that I am aware of that does this, and the only one where you are not explicitly informed of this possibility occurring ) 2. If I am not allowed to apply over payments towards principal, this would also be the only loan that I am aware of that you can not pay down the principal with extra payments. I have been on an income driven repayment program. This past year I was only required to make {$85.00} a month payment. ( When I set up the auto-payment earlier this year, no-one mentioned that the interest accrues at {$130.00} a month. ) When I set up my auto pay, I wanted to start dropping the principal, so I elected to pay more, {$170.00} a month. I also elected to have the extra applied towards principal soooooo the interest accruing is less because I am knocking down the principal with almost {$100.00} extra a month. Now I learn as I am about to reapply for my income driven repayment program that I am " not allowed to pay down the principal ''. It all does not seem quite legal and the information provided when applying for the loan as well as setting up auto pay is inadequate and surely seems to violate consumer protection laws. I figure I would start here.
Consumer complaint received 2023-09-05
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Credit Karma (NY)

I am a victim of Credit Karma marketing scams for pre approved credit cards and false/misleading credit scores. Ive had an account with Credit Karma for several years but recently shut down my account.
Consumer complaint received 2018-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DriveTime (NC)

My former complaint with Drivetime advises that I had a referral from them that resulted in a {$200.00} dollar credit that was accepted as a form of payment in XX/XX/XXXX. No one that I know of made a referral using my name inXX/XX/XXXX towards DriveTime. I am requesting that they give me the person 's name who used me as a referral. My sister had an account with DriveTime but that was before XX/XX/XXXX. So if they are using my sister 's account and trying to use it as a referral to me they are incorrect. I have gotten my sisters documents showing that she had a vehicle with them and in no way should have ANY referral been used against my account as I did not refer any one. That makes no sense ; why would I tell someone to use me as a reference on a car loan that was not actively being paid on.

DriveTime is trying to reage my account. I will get a lawyer involved if I have to further escalate this.

I want DriveTime to PROOF to me who and when someone used me as a reference as THIS IS FALSE.
Consumer complaint received 2023-09-21
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc. (TX)

opened a complaint on XX/XX/XXXX disputing charges on the Vanilla gift card account from XXXX which, is an online store. I sent all the pictures showing the damaged item and it took the Vanilla gift card disputes team 3 months to respond although I sent a total of 5 emails since I had called numerous times over the course of 3 months. They did not send me an actual update with info until XXXX. They then send an email on XX/XX/2023, which is 22 days after the 10th day of expiration, having full knowledge that I never rc'vd the replacement card or they would of never emailed me about it. I sent them an email on that same day and as usual, they failed to answer. This company is by far the worst I have had to deal with, seems very unethical and I believe they have some type of scam or fraud going on behind the scenes. What is unfortunate is that they have this set up that way when they can easily reimburse the person the money on the card they have but, they opt to send people cards which I believe they never send. The date I should of rc'vd the card was on XX/XX/XXXX and they sent me an email stating the following to remind me of the information knowing that it was 22 days pass the time stated. 
This is the message that they sent in the last email below : Greetings, A replacement card/refund check was requested on XX/XX/2023. Please allow 7-10 business days to receive. If you do not receive it within the allotted timeframe, please email XXXX. 

Dispute Resolution XXXX XXXX XXXX XXXX GA XXXX E : XXXX F : XXXX PAYMENTS | TECHNOLOGY | INNOVATION