davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Subject : Disputing Information in Credit Report I am writing to dispute the following information that your company XXXX, Experian, And XXXX. I have circled the items I dispute on the attached copy of my credit report ( s ), these items have been disputed over 6 times in 2 years because these inquiries are fraudulent I am requesting that XXXX, Experian, And XXXX remove these items from my credit report, Incorrect Spellings of My First, Middle, and Last Names I have submitted an FTC Complaint, FTC Affidavit of Fraud, Police Report, supporting my request. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Complaint ( Already Submitted ) FTC Affidavit of Fraud ( Already Submitted ) Police Report ( Already Submitted )
Consumer complaint received 2023-01-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (WA)

Synchrony bank has been illegally obtaining customers credit reports/data without permission to make adverse credit decisions on accounts in GOOD standing with no issues. 

I had a perfectly fine account closed by Synchrony bank. No late payments, no issues, just closed. First was the Mattress Firm XXXX, they sent me a letter similar to the one you will see for my Lowes account, which they JUST lowered my credit line for NO reason. But illegally obtained information I did not authorize them to have aka My credit report. 

This has happen before, and I currently bank with : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX and more, and Synchrony is the ONLY business doing this. Please read my letter, and see for yourself if you believe this is something a US based company should be doing. I didn't authorize them to check my credit, at the worst time of the year, of course my score is low only due to credit utilization. No late payments, no other information on my credit report is horrible, which I will provide to CFPB if needed to prove this is not only illegal in action by Synchrony but completely Unjustifiable.
Consumer complaint received 2023-01-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: United Accounts, Inc. (ND)

United Accounts , Inc. Is the name of the place here in XXXX nd and XXXX XXXX SD I own them money sadly there one of the company I have to pay I had already agree for them to take {$100.00} out every XXXX weeks I been having such trouble they dont do it I have to call multiple times. There sooo rude its a stress having to deal with a company that wont let me pay off my debt go on XXXX read there reviews, all I want to do its pay my stuff can I just have a different company. Im trying to get a house its kinda hard too when a collection company isnt doing their job. I thought of calling the original people I owe money too, please please help me idk what to do anymore
Consumer complaint received 2019-12-13
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Again, this is my second complaint with Portfolio Recovery Associates. I am wanting to know WHY theyre not providing a copy of the original signed contract between the original creditor & myself! I have requested numerous times & uploaded proof. They continue to send me copies of bills & statement. They have NO physical proof or can not even verify these accounts are in fact mine. Why are there federal laws in place if they arent held to meet them!!!!?????
Consumer complaint received 2023-01-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

On XX/XX/2022, I contacted Portfolio Recovery Associates ( XXXX XXXX XXXX ; XXXX XXXX ; XXXX, VA XXXX ) and asked them to send me the Original contract ; Creditor information ; Payment history of this alleged account ; Proof of ownership ; and Contract with Portfolio Recovery Associates authorizing consent for debt. I sent this certified mail ( # XXXX XXXX XXXX XXXX XXXX ) via the United States Postal Service. They had 30 days to send me this documentation. On XX/XX/2022, I contacted them again and told them they did not honor the 30 days and asked them to remove this inquiry from my credit report. They never did so on XX/XX/2022, I contacted XXXX, reported what was going on with Portfolio Recovery Associates and started another credit dispute and asked them to remove this credit dispute from my credit report because they never sent me the requested documentation.
Consumer complaint received 2024-02-27
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 (NY)

My Bank of America credit card was skimmed at a gas station sometime in XX/XX/XXXX. I noticed high usage of my credit card but didnt think much of it because each transaction was at a gas station. I didnt notice until in XX/XX/XXXX, I had a purchase at XXXX XXXX Now I only use this card strictly for gas, so then I went back and notice so many unauthorized charges at gas stations. I would fill up gas one day, then in the next 3 days there 3-4 gas transactions at various gas stations. Not once did Bank of America reach out to me regarding my high usage at Gas station. I tried to explain to to the fraud department and re opened the case 3 times- they all came back with unable to resolve my issue to the card was present, and pin was entered. I am extremely frustrated at this point that my own bank who I have a checking and savings account with is not able to resolve this situation. The total unauthorized charges came out to around {$1.00}
Consumer complaint received 2024-03-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (VA)

I submitted the PSLF Manual Application to MOHELA to have my eligible payments updated and reflected towards my forgiveness. The application that was submitted on XX/XX/XXXX was processed. After reviewing my progress, I noticed that I had two loans 13 DL and 14 DL that needed to have eligible payments reflected because they had one payment needed for discharge. I submitted an additional PSLF Manual Application to MOHELA that was certified by my employer, signed and dated XX/XX/XXXX. There is no limit to how many PSLF Manual Applications that can be submitted if they are certified and dated by employer. On XX/XX/XXXX, I received notification that they did not process my application and update payments because they stated it was a " duplicate application. '' The application is not a duplication but a submitted new application for processing. MOHELA should have updated the account to reflect eligible payments for the XX/XX/XXXX application.
Consumer complaint received 2019-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

This account was reported to my credit report years ago. I sent a letter of dispute to the creditor and asked for proof of the debt. I also sent a request to the collection agency Midland Funding for proof that I owed this debt. I have no knowledge of the debt and have never had a credit card through XXXX XXXX XXXX XXXX. Midland Funding continues to report past due payments on my credit report and it has affected me and prevented me from getting other sources of credit. XXXX XXXX has been sending me pre-approved letters and emails for credit cards. If Midland Funding records show this debt, why is XXXX XXXX XXXX  XXXX. ( the original creditor according to Midland Funding LLC ) sending me pre-approved credit card inquiries? I have attached one of those letters from XXXX XXXX XXXX The bank wants me to sign up for a credit card but their collection agency tells me I owe them money. Midland Funding is being fraudulent.They are trying to collect a debt that is not mine.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc. (TX)

Dear XXXX, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : Account : DEPT OF ED/AIDVANTAGE ( ALL ACCOUNTS ) account number : XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 

My identifying information is as follows : Date of Birth : XXXX SSN : XXXX As proof of my identity, I have included copies my Social Security card, drivers license, and a electric bill. 

If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX
Consumer complaint received 2023-06-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Accscient, LLC (FL)

XXXX XXXX, XXXX SOC SEC  # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX NWIDE RECVRY XXXX NWIDE RECVRY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( XXXX ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious NWIDE RECVRY XXXX NWIDE RECVRY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX, XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-03-26
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Associated Credit Services, Inc. (AZ)

I keep getting mail like today XX/XX/2018 from a debt collection agency when i already told them i dont even owe this debt that i receive from a company called XXXX. I keep getting these mail from this company saying i owe XXXX dollars little outrages.
Consumer complaint received 2022-11-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: TRUIST FINANCIAL CORPORATION (IL)

On XX/XX/XXXX I lodged a complaint about XXXX XXXX XXXX complaint # XXXX. It is regarding double payments & billing iseues. On a couple of occassions I had made XXXX payments in 1 months time. I received a invoice stating my next paymnent is due XX/XX/XXXX. I contacted the company again today, only to be informed that : when I make a double payment in a months time, the additional payment goes directly to the PRINCIPAL!!! Which I was unaware of & I was informed it is in the agreement... .. well a ) I do NOT recall the agreement as took this loan out over XXXX yrs ago ; b ) IF it is in the agreement, I did NOT see this notice because I have a visual impairment & can not see regular print. I need larger print or BOLD print to see. So all this time I am making additional payments on this loan thinking I am ahead by 2 months & in reality I am NOT ahead in montly paymwents IT is just deducing my principal. I am paid up through XX/XX/XXXX .... in my calculation BUT in the company calculation I am just minus the principal amount. To me this is misrepresentation & misguidance to the consumer. I do NOT know IF anything can be done about this BUT I do believe someone should have called me & notified me of this practice ... .. that additional payments go towards the Principal! Again I was NOT aware of this @ all!!!!! A company 's billing practices should be clearly explained to the consumer. All this time I am believing I am ahead in my monthly payments BUT in reality I have just deduced principal amount!!!!!
Consumer complaint received 2024-02-27
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (UT)

I received XXXX messages containing manipulated images of myself, along with requests for money. Initially, I ignored and blocked those accounts. However, they persisted by contacting me on my XXXX number, which was publicly listed on my XXXX profile. Despite my efforts to block these numbers on XXXX, the messages continued. 

Concerned about the situation, I decided to report the incident to XXXX for appropriate action. While searching for XXXX 's customer care number in the contact section, I inadvertently ended up on a fake website. I managed to capture a number from that site, called it, and was connected to someone posing as a XXXX XXXX XXXX XXXX. I explained the situation to them, requesting action against the accounts responsible for the harassing messages. 

During the XXXX-hour conversation, the person attempted to send me a message and insisted I enter certain details into my bank account for added security. Initially skeptical, I resisted for XXXX hours. However, the individual convinced me of their authenticity, claiming to be a XXXX employee. Unfortunately, I fell victim to their scheme, and I lost {$3500.00} USD after entering the provided information. 

Following the fraudulent transaction, the scammers instructed me to go to a nearby XXXX or gas station to purchase gift cards, promising that the debited money would be credited back to me. It was only later that I realized I had been scammed. I promptly ended the call and complained to my bank. 

After a XXXX investigation, my bank responded, stating that the other party 's bank refused to disclose user details. Despite filing a complaint again after a month, I received the same response from my bank, leaving me with little recourse. 

My Checking Bank : Bank Of America My Checking Account number ends with XXXX On XX/XX/year>, this incident occurred, and I promptly raised a complaint on the same day. Following that, the bank responded after XXXX business days. Dissatisfied with the outcome, I lodged a further request for the bank to conduct an additional investigation. 

I attempted to file a complaint at the police station, but they informed me that this online scam/fraud incident fell outside their jurisdiction. Despite my efforts to recover the funds through various channels, I was unaware of the appropriate avenues for submitting a claim. Unfortunately, it took a year before I could file a complaint regarding the incident.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (NY)

I have an account with Experian for a quiet a while now, I always logged in to check my credit score, it has been a week since Im not able to login, I have contacted them to get some assistance and answers but they cant give me any reason why my account is inactive.
Consumer complaint received 2023-01-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MA)

Nelnet has improperly calculated my 5 years of continuous teaching multiple times as part of my XXXX Loan Forgiveness Application. I am using the XXXX  Loan Forgiveness Application downloaded from the Studentaid.gov Web site as the authoritative document for instructions and definitions in filling out the XXXX  Loan Forgiveness ( XXXX  ) application. This downloaded application has an expiration date of XX/XX/XXXX. 

The instructions on page 3 of the XXXX application in Section 7 state : If you need to list multiple XXXX or need more than one XXXX XXXX certification, the information required in Section 5 may be provided on a separate piece of paper and submitted with your completed form. 

Attached are the second page of my submitted application and an additional sheet which contains a completed XXXX XXXX XXXX Section only. To be clear my submission has always been three pages. Page 1 and page 2 are sections 1 thru section 5 of the XXXX application. Page 3 was a copy of page 2 with only section 5 completed. 

On page 4 of the XXXX application in Section 8 defines : An academic year is : Two complete and consecutive half years at different schools or for different XXXX  service agencies. 

The dates in the attached certifications are shown as follows : XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX, and the XXXX XXXX XXXX XX/XX/XXXX thru XX/XX/XXXX. I am claiming the following continuous years of service : XX/XX/XXXX XX/XX/XXXX ( XXXX year of XXXX XXXX XXXX XXXX ), XX/XX/XXXX XX/XX/XXXX ( XXXX year of XXXX XXXX XXXX XXXX ), and XX/XX/XXXX XX/XX/XXXX ( 4 years of XXXX XXXX XXXX XXXX  ). This service meets the requirements of 5 years of continuous service.
Consumer complaint received 2023-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

Notice, it is a fact, affiant is aware a consumer reporting agency needs written instructions by I, the consumer, to furnish a consumer report. Without written instruction this consumer reporting agency has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumer report. By definition Experian, XXXX and XXXX have committed identity theft. This is a violation of 15 U.S.Code 1681b ( a ) ( 2 ) Please see attachments
Consumer complaint received 2024-02-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

XXXX XXXX toyota didnt give me the best of options and were very shady and untrustworthy untruthful and all out scandalous.They didnt inform me of my lenders that i could or should choose from.He asked me how much i had down i said five he said i needed XXXX XXXXWen i actually looked over my papers the car loan actually came from toyota motor credit corporation.I had know knowledge of me being financed XXXXAfter finding out i was signed up for gap tire and wheel mechanical breakdown documentation fee convince fee and several other packages that i didnt know that i spent money on that i was intended to
Consumer complaint received 2024-02-26
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Maximus Federal Services, Inc. (FL)

Hello, My credit score has decreased drastically due to late payment for my student loans. I was unaware these payments were restarting. I did make the payment that was due but I need the bad payment history removed from my report. I contacted my student loan provider they advised they aren't reporting any late payments to the credit bureau until XXXX of 2024. I would really appreciate if someone could get back to me on this matter. I have worked extremely hard to get my score over 700 .. it has not been this low in many years. Please help!
Consumer complaint received 2024-02-25
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SYNCHRONY FINANCIAL (AZ)

Sunday XX/XX/XXXX, XXXX XXXX, XXXX XXXX XXXX contacted me outside the FDCPA act of 1978 hours and days rule. About some debt that they say I owe, XXXX is the ladies name. Violation of FDCPA act of 1978
Consumer complaint received 2023-01-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/2011 I received a letter from Wells Fargo/XXXX who they owned that my property taxes were delinquent and unpaid. I sent them information that they were on an approved installment plan and current. XX/XX/2011 I received confirmation that they had accepted my proof of payment for property taxes. On XX/XX/2011 I received an additional letter stating that my property taxes were delinquent. I sent the same letter and proof to them that showed current on property taxes. On XX/XX/2011 they accepted again my proof of payment. On XX/XX/2011 I received a letter that they had paid my property taxes for a totals of {$54000.00}. They in turn tripled my monthly mortgage payment to recoup the XXXX over 18 months and I was unable to pay this. They in turn foreclosed on my property with a trustee sales date. I was able to Short Sale the home just days before the scheduled foreclosure at the court house. I hired an attorney which I could not afford to keep. The paperwork i have still is quite incriminating. The attorney determined my total loss to be upwards of {$450000.00}
Consumer complaint received 2024-02-25
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION (NV)

XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$720.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$720.00} Balance updated XX/XX/XXXX Never had account. Similar person by name. iD theft. Violation of federal rights.