davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-21
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: eMoneyUSA Holdings, LLC (TX)

I wish to submit a complaint about eMoneyUSA, an online lending company. My specific complaints are as follows : 1- In XX/XX/XXXX, an unknown individual was able to take out a loan from eMoneyUSA using my name and SSN. When I obtained a copy of the application from eMoneyUSA, it did not appear that they had performed adequate due diligence to verify that individual was, in fact, me. The name he used was close to mine but spelled incorrectly. Some of the other details were correct ( like home address ). I did not see any signature on the application. 
2- When I found out about the loan, I filed a police report. I submitted a copy of that police report, as instructed, to eMoneyUSA, the collection agency they had engaged, and the credit reporting agencies. In spite of that, eMoneyUSA reactivated the collections process in XX/XX/XXXX, triggering another adverse entry on my credit reports and a drop in my credit score of XXXX points! I spent many hours correcting the issue AGAIN. I have not been given a satisfactory explanation as to why the collection process was reactivated. ( At first, eMoney said it was because I did not send them the police report back in XXXX, but I showed them the email trail and they conceded that I did! ) Given the circumstances, I am not at all confident that eMoneyUSA can/will ensure this doesnt happen again!
Consumer complaint received 2022-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Granite Edvance Corporation (NH)

In XX/XX/XXXX contacted Granite State Management spoke with XXXX a service agent due to an error on my part was calling to fix payment schedule. We were able to adjust using the Covid19 payment relief available. While looking at my loans She mentioned consolidating my loans as I had two or three that were not part of my already consolidated balance. She mentioned something about consolidating will make my loans eligible for the possible relief programs that was being discussed by the government. What was not mentioned was that if I consolidate my loans all of the Income Base payments I have made over these years will reset to zero! I am waiting for the data to show how many years into the IBR repayments I am on my loans I don't have the exact number. I've been trying to pay my loans for 21 years. Based on Studentaid.gov website my loan servicer is suppose to track my qualifying monthly payments and years of repayment and notify me when I am getting close to the point when I could qualify for forgiveness 20 years or 25 years of any remaining loan balance. I may still be a few years away from this but I was NOT told I would loose my payment history if I consolidated. 

I was not able to to stop the consolidation with XXXX XXXX, I called on XX/XX/XXXX and spoke with XXXX a supervisor in the loan disbursement area ; and they were not able to stop the consolidation. Which means my loan payment count starts over at 0. At XXXX XXXX XXXX I've lost what little momentum I had. There was no warning from the loan servicers or from the Studentaid.gov that I would loose all payment history on my loans when I consolidated my loans. 

Also I do not understand why my loan balance has not gone down under the IBR plan. In the 22 years I have been with Granite State Management. I have been making payments but have not seen any movement in my loan balances. I don't understand how the government can set us up for failure in repaying these loans. 

Please help. 
XXXX XXXX
Consumer complaint received 2022-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (FL)

I called Enhanced Recovery Company number and waited for 45 minutes then I was transferred to a recording. I paid XXXX in their store in XXXX several years ago. I this collection agency called again to obtain the account number so that I can write a XXXX letter and I got the runaround being transferred. My complaint is this company maybe trying to collect for a debt i paid several years ago.
Consumer complaint received 2022-04-08
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. (GA)

I sent a dispute letter twice to Experian regarding a collection account listed on my credit report. The letter was challenging the accuracy of the alleged collection account from " XXXX XXXX XXXX ''. Both times I received a response that the collection account was accurate and my credit report was updated. 

Several times I have sent a letter to XXXX XXXX XXXX separately requesting proof of the alleged debt. Which includes a contract or signed copy of my signature to prove the accuracy of the alleged debt. 

I would always receive a letter from XXXX XXXX XXXX that I need to submit a written statement to dispute the debt. Never received any documents proving the debt. 

With that being said, If XXXX XXXX XXXX can't send me proof that I owe the debt, then how is Experian able to prove the accuracy of the alleged debt? and what are you updating Experian? 

If Experian can not provide me proof that I owe the debt from XXXX XXXX XXXX, which should. be a copy of what they verified since Experian is repeatedly sending me a notification that the alleged debt is accurate. The collection account needs to be removed from my credit report. 

Please accept this as my Official Writ Composition Notification in the lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
Consumer complaint received 2022-03-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-04-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (NJ)

Its been over 3 years since LVNV is harassing me about {$750.00} that was a result of identity theft, it is erased from all bureau but XXXX, this company needs to be investigated in affiliation to XXXX as many people are victimized by LVNV.
Consumer complaint received 2022-04-08
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. (GA)

Almost 2 months later and I havent seen my credit disputes addressed by Experian, XXXX XXXX and XXXX. This is a violation of thier timelines and is putting me and my family in financial distress.
Consumer complaint received 2022-04-08
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Almost 2 months later and I havent seen my credit disputes addressed by XXXX, Trans Union and XXXX. This is a violation of thier timelines and is putting me and my family in financial distress.
Consumer complaint received 2015-04-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: M&S Recovery Solutions (NC)

I am XXXX military and have been for XXXX years. In XX/XX/XXXX, I received XXXX, at which time, I had canceled various services to which I had at my home. One of these services, was a home security system. I submitted a copy of my XXXX as I had done with other services I terminated to no issues from the company. Around XXXX years later in XX/XX/XXXX, I started to receive outstanding debt notices from this company stating I owed {$1100.00}. I explained my situation and that I had previously resolved this matter prior to moving. The individual apologized and said they would take care of it. I heard nothing back until XX/XX/XXXX. I had again received XXXX. While in XXXX, my wife was back in the states buying a home for us in the next state we would be living in. It was at this time, we discovered the security system company had reported the debt to the credit bureaus. Before we could purchase the home, we had to have these issues resolved. I presented my case and the items were removed from my credit reports. It is now XX/XX/XXXX and this year, I have received multiple calls from XXXX different collection agencies all referencing this particular debt. Each time I request to have a bill mailed to me, the debt is sold to another agency and the process starts all over again. I have contacted the original debtor and they claim they have nothing further to do with this debt as it was sold off to collection agencies.
Consumer complaint received 2018-07-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ACS Education Services (NH)

Having trouble with conduent who is the loan servicing agency for XXXX. We took educational loan from XXXX for our daughters college education and then repaid it on XX/XX/2018 by refinancing it with XXXX XXXX for better rate. We called them after to make sure the loan has been paid off in full and they told us that we overpaid around {$5200.00}. They assured us that it will take 60 days to refund the amount. We waited for 60 days and more and called them again on XX/XX/18 and they told us that account was frozen so now they will send the request to refund. Called them again on XX/XX/18, we were told that still waiting for the approval from XXXX since the amount is over {$5000.00}. Called again on XX/XX/18 and was told that the 2 Cheques for {$3900.00} and {$1300.00} totaling to {$5200.00} were sent on XX/XX/18 as a refund and I should be receivng them shortly. Waited whole week and called again on XX/XX/18. To my surprise, I was told the same story again that they are waiting for approval from XXXX for refund and no Cheques were sent. Asked them to transfer my call to a supervisor and was told that they are all busy on other calls and took my number so they can call me back and they never called back. I hope XXXX understands that they owe me interest on my money they are holding for no reason as it is not a small amount and that amount is supposed to be used for my daughters educational loan repayment. Since they charge us interest on the money they lend us then they should be paying interest on the money they are holding back. Please help us in getting our money back from them with interest and compensation for time and energy spent in calling them and talking to the customer service professionals who will give us different answers each time. They are incapable of giving any right answers. We are very disappointed with this company and probably will never work with them again. 
The above complaint was closed with a response from company saying that they have issued and sent a Cheque to XXXX for the amount of {$5200.00} on XX/XX/2018 but to my surprise the funds have not been received by XXXX  till today XX/XX/2018.
Consumer complaint received 2022-01-23
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: Servatus Corporation (TX)

My credit was pulled without permissible permission on XXXX by XXXX XXXX XXXX ( XXXX ). A forged application requesting permissible permission was then made one day later on XXXX and a car was fraudulently purchased in my name. XXXX sent the attached letter on XXXX. I considered XXXX as reputable and thought it was resolved 16 months ago. However XXXX sold the debt to Credit Solutions Corp who is now harassing me for payment. XXXX requested the XXXXXXXX delete XXXX reporting of the trade lines associated with this account but then found another way to report this trade line on my report.
Consumer complaint received 2022-10-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX XXXX, account # XXXX XXXX has violated my rights. 

15 u.s.c 1681 section 602 A. States I have the right to privacy.

15 u.s.c 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My credit report as of XX/XX/2022 is still showing XXXX XXXX XXXX when company cease, agreed to stop reporting that account in the case with CFPB
Consumer complaint received 2022-04-08
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-01-23
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: EQUIFAX, INC. (GA)

I mailed a request for Equifax to pay arbitration fees on XX/XX/2022 however, Equifax has not responded my my request. I have attached my request to this complaint.
Consumer complaint received 2022-01-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (TX)

Several Credit cards were stolen in 2017 including Discover. I filed sheriffs reports regarding the credit card theft together with theft from my rural mailbox. I notified Discover who denies to this date. I have repeatedly sent all information including sheriffs reports and arrest information on the person who impersonated and falsely pretended to Discover. But Discover continues to ignore and deny. The credit card limit was {$7700.00} and Discover even allowed the thief to exceed the limit to {$12000.00}. Discover continues to adversely report and now adds insult to injury. See attached 1099. Discover charged off and I gave up and decided to wait for Discover to fall off my report on its own. But now Discover is claiming I benefited from the theft when I received {$0.00} benefit or anything for all the fraudulent purchases. This is wrong and now burdens me with more work. In addition to complaints I now have to file the necessary IRS forms to deny the fraudulent 1099.
Consumer complaint received 2022-04-08
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.
Consumer complaint received 2022-01-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Yesterday, XX/XX/2022, Capital One assessed a " Returned Online ACH Payment '' in the amount of {$400.00} to my XXXX credit card with them. This was due to me attempting to pay off my entire balance of {$4900.00} on XX/XX/2022 via Capital One 's mobile app on my phone. The payment source I had selected was my XXXX bank account, which was negative at the time due to recently miscalculating my available balance when making payments, and getting hit with multiple {$34.00} insufficient funds fees from XXXX as a result. 

I attempted the payment because I felt overburdened with debt, and I was in a very emotional state because that day was the day I finally decided my dog had fought long and hard enough, and it was my duty as an owner to put him out of his misery. I have proof in the form of a receipt from XXXX XXXX XXXX in XXXX, California that I euthanized my XXXX dog late in the night on XX/XX/XXXX, going into the morning of the XXXX. 

I knew that if I had managed my finances better, and worked harder, I could have made my dog 's last 6 months much more comfortable via specialty treatment and therapeutics, and perhaps even prolonged his life by a few years by having a surgical intervention for his collapsing XXXX. I was frustrated and my judgement was impaired due to the situation I was facing financially and emotionally in regards to my dog. 

I made a bad decision trying to process that payment that I knew my bank account wasn't good for, but it was a momentarily lapse in judgement, and I honestly didn't even expect the payment to go through. Now the payment has been returned, and Capital One is trying to abuse me with a {$400.00} charge that I'm not in a situation to pay. 

I have made all of my payments for all of my credit cards for almost three years straight now, and I don't know if what Capital One is doing here is even legal, but I know it doesn't feel right. They already charge me exorbitant interest around 25 % APR, meaning my roughly {$5000.00} debt with them is worth around {$1200.00} in annualized profits. Adding another {$400.00} to that for a simple mistake is absolutely ludicrous. 

At this point I'm doing everything I can to tread water financially, and I really need an advocate rather than more of my time wasted talking to customer service where I'm sure they will say there's nothing they can do about the charge. Please help me!
Consumer complaint received 2022-01-23
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: Advanced Recovery Systems, Inc. (MS)

XXXX and Advanced Recovery system has majorly violated my credit report by reporting this inaccurate account. 

This account was deleted from my credit report and re-inserted which is a violation under FCRA 611 part A, 5 B ( ii ) by failing to provide a written notice within 5 days Further more they added this account back and reported a late payment it is impossible for a collection to report a late payment. 

They have also re-aged the date of last activity which should reflect the last date a payment was made. 

Furthermore I have no knowledge of this collection and do not have any agreement with advance recovery system. It is a violation to assume that I owe a debt that hasnt been properly validated
Consumer complaint received 2022-07-07
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (LA)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative 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. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2016-02-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America Mortgage Account XXXX was incurred as part of a normal XXXX mortgage and used for the purchase price ( " purchase money '' ) of the borrower 's primary residence XXXX, which was located at XXXX XXXX XXXX XXXX XXXX, CA XXXX. The last payment activity on this account occurred in XXXX and has been reported to the credit reporting agencies for 7 years. Bank of America has stated that the charge off that its reporting occurred in XXXX and that the charge off will be reported for 7 years. However, the Fair Credit Reporting Act ( FCRA ) states that negative information must be deleted from our credit report after 7 years from the first delinquency, which for this account occurred in XXXX. By law, this account must be removed from our credit file and B of A must stop reporting the information to the credit agencies as it is past the 7 year reporting period.