davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-04
Product: Debt collection — Other 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 (CO)

On XX/XX/23 I received notice that there was a change to my credit report. Upon further investigation, I had a collections account opened for the sum of {$270.00}, by Columbia Debt Recovery a.k.a Genesis. 

I was immediately filled with anxiety and distress as I had no idea such a balance was even being collected, let alone being reported to my credit agencies. 

To date ( as of XX/XX/23 ), I have received 0 phone calls regarding this alleged debt. I did not receive any mail claiming that I owed, a financial statement for proof, or received a notification of my rights. I had been given no time to make any dispute claims, or a chance to verify this alleged debt. I believe, personally, this was a malicious and intentional action by Columbia Debt Recovery to scare and harass me into paying an amount I do not owe. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I have certain rights afforded to me in situations like this, rights that Columbia Debt Recovery has willfully violated. Most glaring, I did not receive any written notice upon their initial attempt to collect, or have been contacted in any way for that matter.
Consumer complaint received 2021-11-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (KS)

I was told by XXXX XXXX that I was in the Public Loan Forgiveness Program  through a letter. They took over my XXXX XXXX XXXX. They said I needed to make my XXXX Loans into Direct Loans to be in the Public Loans Forgiveness Program. 

I did as they said and I consolidated my XXXX  Loans into Direct Loans losing the time towards Income Based because I was in the PLFP. 

I was told I didn't need to consolidate any more of my loans with XXXX XXXX and that they would bring my XXXX XXXX Loans over because I am in the program. 

Now, today, I got a letter saying that I might be eligible for the program. 

I am confused and frustrated. It is causing me a lot of XXXX because I could have kept it in Income Based and been done with it in 13 years. Also, 10 years ago, I was denied the XXXX Forgiveness Program and no one told me about the Public Forgiveness Program. 

I'm a XXXX XXXX XXXX and I feel like the government has let me down even though I have been a XXXX for 23 years.
Consumer complaint received 2019-12-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NJ)

Navient in cooperation with XXXX XXXX  XXXX has my loan balance higher then what was owed and has no cap on the interest rate either. The balance keeps growing and is way more than what was owed as my original balance I am very concerned this practice of doing this is not legal. I believe both of these companies are preying on me because of my situation with XXXX University and because of my desperation for help. I think what they are doing is unfair business practices and illegal.
Consumer complaint received 2018-12-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This, I believe, was a credit card that was STOLEN by my ex-husband ( XXXX XXXX XXXX and his son XXXX XXXX XXXX ). They maxed it out. I was trying during my divorce to pay more on the card than what was due but then I became very sick and have been on XXXX and 12 other medications since. And I have XXXX XXXX care between being hospitalized several times a year. I am receiving social security XXXX. I don't remember what credit card this is even about. But with this on my credit report as a negative I can't refinance my home. I need help with getting this cleared up desperately. PLEASE ... or I will be homeless next year. Thank you in advance.
Consumer complaint received 2019-12-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Company (CT)

This complaint is about XXXX  XXXX  not telling me in advance how much my prescription of XXXX  was going to be in advance before shipping out.  (According to my physicians office no other specialty mail order company ever ships an expensive drug to the patient with out getting a payment from the patient first) and also not going over with me how the co pay card that XXXX  gave me to use so that I could afford the drug to begin with.    XXXX   XXXX  had made an agreement with my husbands employer to not allow the co pay card to go towards our deductible.  I never saw this new rule nor was it ever explained to me when I started using the drug and the co pay card.  I was told that by using this co pay card it would take care of all of my out of pocket expense for being able to afford XXXX. 
	
So I started using XXXX  going through XXXX  XXXX I believe in XX/XX/XXXX.  I’m not exactly sure when I started seeing a bill, but I didn’t really pay attention to it because I was told that my co pay card would cover my bill.  I never was told that I couldn’t receive XXXX  until I paid for it.  The drug was always mailed to me.  I never gave it a thought until I started receiving statements saying “Due upon Receipt”  That prompted me to call.  Then to my surprise, I was told that I actually did have a balance a rather large balance of $XXXX this bill was from XX/XX/XXXX, I called them on XX/XX/XXXX.   Up until this point I was still being sent the XXXX  without a phone call or interruption of my medication until I tried to order it again on XX/XX/XXXX.  Then I received a text saying “The copay for your medication has changed.  Tap the link to confirm the new amount so we can ship: 

When I called I was told my account was sent to collections and I would not be able to receive my prescription until I had a reference number from the collection agency.  I had to stop taking my medication cold turkey.  I was so upset by this news that I actually got a XXXX   and wasn’t feeling well for a couple of days.

XXXX is needed for my condition that is so bad that I actually XXXX  the XXXX  in my XXXX (XXXX) XXXX.  Which is the reason I needed to go on the XXXX  XXXX.  I had to have XXXX   on XX/XX/XXXX to repair the XX/XX/XXXX after which I needed XXXX XXXX  to learn how to use my XX/XX/XXXX again.  I was told I needed a XX/XX/XXXXto keep this from happening again.
Consumer complaint received 2019-12-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (CO)

I was looking into doing a refinance on my home just recently. I was called back by the refi company and was told there was a lien of {$25000.00} on my home by a Ditech. I went to the State of Colorado and did a title search and was told the lien should come off my title because the Statue Of Limitations had expired. 

I never contacted Ditech but called XXXX  XXXX XXXX and XXXX who is now the servicer of my loan. I had received a line of credit in the summer of 2006 from XXXX XXXX for {$25000.00}. The line of credit was for a non-profit i am the president for. The monies came back from the non-profit and the loan was paid down to around {$3000.00}. XXXX XXXX was closed down and I never heard anything else. 

Ditech has sent me a letter on a Shellpoint letterhead claiming they are my loan servicer and all payments must go to them. XXXX claims they know nothing about the letter. Ditech is going through bankruptcy and nobody knows what the relationship is with XXXX and Ditech. 

Also Ditech sent me a fraudulent letter claiming I called them. They left two voice messages on my phone for collections. I had received letters from them claiming they will not contact me on this loan due to collection laws and the statue of limitations. 
I can not understand how this company can put a lien and cause me damage when the loan is not valid and it has been paid down to {$3000.00} at the most. My title should be cleared of this lien immediately.
Consumer complaint received 2024-05-22
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. (TX)

I opened an accout that Promised/Advertised I would get a Credit Limit of {$12000.00}. And I could Use that amout to transfer another credit card balance. I was told I could ask for a Credit Limit Raise once I " Physically '' received the card. I received that card and was told my Credit Limit was {$10000.00}. And I could ONLY Transfer a Balance of {$8000.00}. 
This is Decptive and Fradulent Trade Practice. 
I asked for a Credit Increase and it was Denied. 
I make {$160.00} XXXX per year with a {$2000.00} mortage payment. 
I then asked to Close and Cancel the account. They did not want to do that until I became very Insistent.
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc. (NJ)

THE COMPANY, CMRE FINANCIAL SERVICES , INC, PURCHASED A DEBT FROM DELETE FROM MY REPORT, BECUSE THIS IS FRAUDULENT AND MISLEADING INFORMATION THAT IS ATTACKING MY CHARACTER AS A NATURAL PERSON AND CONSUMERS. COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION ACCORDING TO XXXX XXXX XXXX ( XXXX ). I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS IS NOT ME. MY NAME IS XXXX XXXX XXXX 15 USC 1692 ( A ) ( 1 ) The term Bureau means the Bureau of Consumer Financial Protection. XXXX, XXXX and XXXX are assumed to be credit bureaus and there is only XXXX XXXX and that is the Consumer Financial Protection Bureau. On XX/XX/1933, XXXX enacted XXXX to suspend the gold standard and to abrogate the gold clause. This resolution declared that Wheras the holding or dealing in the gold affect the public interest, and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency... Are inconsistent with the declared policy of congress in the payment of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency, or in a amount in money policy ; and.. .Every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public or private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

Also, according to the Fair Debt Collection Practices Act, codified as 15 USC 1692, you, as a Debt Collector are required by federal law to verify with the physical original written and signed consumer contract on recording, related to the account you are attempting to collect on. Otherwise, anyone paying for your XXXX XXXX services could fax, mail or email in a fraudulent account. 
Your failure to verify* this account is trespass on right to privacy and to contract. Under the FDCPA, unverified accounts are considered a XXXX XXXX and any demand for payment of such is an attempt to extort and administer property without right.
Consumer complaint received 2018-02-28
Product: Credit card or prepaid 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: CITIBANK, N.A. (KS)

See attached complaint to the Office of Comptroller of Currency. I was referred here. 
All address information is on the attached form. A charge was made by XXXX to my CitiCard for a service that I cancelled. See attached picture of my computer dated today showing my XXXX subscription is cancelled. I disputed the charge to CitiBank, they responded by saying XXXX did not cancel my service and I need to show an email from XXXX saying I cancelled. XXXX provided no such email, but they obviously cancelled my service as evident by the screenshot I've attached. Anyway CitiCard refuses to remove the charge from my account unless I can provide an email from XXXX, who will not give me one. XXXX also said they renewed my subscription, while the attached screen shot of my computer proves they did not.
Consumer complaint received 2024-05-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC (TX)

My initial complaint is PREDATORY LENDING. 

I purchase a vehicle at XXXX XXXX XXXX XXXX ago. I have a lending company which I paid $ XXXX $ XXXX {$500.00} a month. The vehicle I purchase has a total of {$18000.00} still under finance. This is a XXXX XXXX XXXX and ever since I purchase this vehicle it has given me problems from the start. 
Problems list : XXXX unit when out- replaced by XXXX within the 90 days of purchase Computer system when out-replace by XXXX within the 90 days of purchase Turbo lines leaking- replace by XXXX, then sent over to My Car Center for a second replacement wheel struts were cut and repair by XXXX Finally a used engine replacement done a month and half. 
Pickup car on XX/XX/XXXX pay {$380.00} plus a new battery {$180.00} Today XX/XX/XXXX the engine light just came on. 

This vehicle has being in the shop more than 8 times and no one is willing to help get me out of this car. I have reached out to the XXXX corporate office, the finance company, the XXXX store and all they keep saying is " let get the car fixed first and then we may be able to trade with down payment. The corporate office said 'all let me escalate the issue and see what solution we can up with we will call you back in a day or two ''. 

Yes thank XXXX for the XXXX I have on this vehicle for the payment of the repairs, but that is not the case here, I believe I was sold a lemon vehicle that I am stuck with and no one wants to help. I am stuck paying {$500.00} a month for a vehicle I can not even use for the long term as I am afraid it may leave me walking as it has done in the past. My husband and I are so frustrated with all the run around the companies are giving us, We have paid over {$12000.00} XXXX of dollars for a lemon. We just can not take it anymore. Oh to top it off we can not even get a rental while the vehicle is at the shop because we do not own a credit card. We were stuck at home with no car for 3 weeks in two different occasions while the vehicle was being repair. Close to losing our jobs because of no transportations My husband had to travel with XXXX and lift to and from work in order not to lose his job. 
And now we are back to square one as we have to take the car back to the shop just to find out why the engine light when back on, and they will take XXXX weeks before they can take a look at it. 
I don't think this is fare to us and XXXX or finance company to just keep fixing this car when they see that this car has a long history of repairs. And we can not just keep pulling money out that we do not have to pay a {$250.00} deductible every time the vehicle needs repairs. 

Can someone please tell me they can help us get out of this vehicle or what can we do to resolve this situation. Helps us please.
Consumer complaint received 2023-02-04
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. (CA)

I found the following FRAUDULENT INQUIRIES on my CREDIT REPORT. I've sent multiple letters, called the CREDIT REPORTING BUREAUS, filed a CFPB REPORT and I have not received any REMEDIES. 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 2023-12-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-12-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Army and Air Force Exchange Service (GA)

I've reached out to Military Star and XXXX/ XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

This complaint is to inform the CFPB that the consumer reporting agency is reporting inaccurate information on my credit file. Included in this correspondence is a letter from XXXX. The parent company of XXXX XXXX the purchased the account. ( Partial amount number XXXX ) And had to be removed from my credit file due to the lack of validation. The account was sold to this company by The XXXX XXXX XXXXi. Which is still reporting on my credit file. I explained to a representative of this reporting agency that this is illegal practice. A collection agency can not sell an account to another agency and continue to report it on a consumers credit report. And as of today, the account continues to be reported on my credit file. 

Its the law.. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ).

I want this account removed from my credit file immediately.
Consumer complaint received 2021-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE (MA)

An account was set up in my name, without my knowledge or authorization at XXXX XXXX. I did not request the account to be set up. 

I received a letter from them with a debit card. I am in the process of contacting the company to get the account closed.
Consumer complaint received 2022-09-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

Two credit card companies ran hard inquiries on my credit report on XXXX XXXX, 2022. I did not apply for cards or credit with either of these companies. When the companies were contacted one of them did not answer and the other said that an account existed in my name. I have never authorized any of these transactions. The credit reporting agency only advised me to contact the companies. 

The companies are XXXX XXXX and XXXX, both on the same day and both located in XXXX.
Consumer complaint received 2023-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc. (PA)

My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with XXXX, XXXX and XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of ED/Aidvantage . My current loan servicer is XXXX with a balance of XXXX, XXXX after consolidation and transfer from Aidvantage thus zeroing out these amounts with Aidvantage. 
My XXXX report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under Aidvantage that was consolidated and transferred to XXXX. This makes my student debt total with XXXX XXXX when it should only be XXXX XXXX and the Aidvantage balance should be XXXX. 
My XXXX report shows the correct XXXX amount of XXXX and an Aidvantage balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the Aidvantage balance should be XXXX. 
My XXXX report currently shows XXXX with a balance of XXXX and Aidvantage balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and Aidvantage balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. XXXX reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report # XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by XXXX, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and DEPT OF ED AIDVANTAGE to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and Aidvantage reported the same information that I have relayed here. Aidvantage reports that my loans have been transferred from them to XXXX and are closed.