davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-12
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: Experian Information Solutions Inc. (PA)

I, XXXX XXXX who is a natural person/ consumer is a victim of identity theft and the accounts and inquiries I need deleted from my consumer report are listed in the report. I already tried to resolve this problem on numerous occasions ; however nothing has been resolved! Pursuant 15 USC 1681, the consumer reporting agencies has failed to perform its vital role in regards to exercising its grave responsibilities with fairness, impartiality, with a respect to the consumers right to privacy and accurately reporting information on my consumer report. Furthermore, pursuant 15 use 1681b ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instruction with the consumer in whom it relates! I XXXX XXXX AS THE CONSUMER HAS NEVER GIVEN ANY CONSENT FOR THE CONSUMER REPORTING AGENCIES TO FURNISH THESE ACCOUNTS ON MY CONSUMER REPORT! NO CONSENT IS IDENTITY THEFT!! Their failure to follow reasonable procedures has damaged my credit worthiness, ruined my reputation, caused me to lose out on buying a home for my child which has caused us great stress and XXXX.
Consumer complaint received 2022-04-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX opened a collection account on XX/XX/2022 in the amount of {$780.00} in my name. They have used a collection agency called Account Resolution Servi to attempt to collect this fake debt. I have never heard of this company before. I do not know why they are trying to charge me for something when I have never used their services before. There are reviews from multiples people stating they have been victims of these false collection scams before by this company.
Consumer complaint received 2022-04-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV INC. (MN)

XX/XX/2022 we were charged XXXX and on XX/XX/2022 we received a letter from the TRS recovery services saying we owe XXXX on an account that was an identity theft account. XXXX XXXX XXXX was the account that turned it into the collection agency.
Consumer complaint received 2023-09-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (MI)

I am enrolled in the extended graduated repayment plan. On my Nelnet account, the dashboard says my monthly payment is {$230.00}. On the repayment option page, it lists that the monthly payment for the Extended Graduated plan would be {$140.00}. The repayment schedule also shows a total of {$230.00} with only 162 payments ( XXXX years ), even though I am in the plan that would allow up to 300 payments ( 25 years ). I have reached out to Nelnet 2 times, on XX/XX/23 and on XX/XX/23 and both times the agent agreed this payment amount is wrong and that the loan would be re-disclosed and the issue would be fixed. However, nothing has been updated.
Consumer complaint received 2022-04-12
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. (IL)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with tXXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Consumer complaint received 2022-10-15
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA (CO)

I am currently in graduate school and have been for the past XXXX and XXXX  years. I have applied for deferment with Mohela numerous times and had been given the run around since XX/XX/2021. My XXXX (? ) loans are finally in deferment but despite me asking NUMEROUS times about why my cash loan continued to be require payment I was never given a real answer. It was not until I called this month and spoke with someone again that I was told there was a specific cash loan application ( This was new information to me ). I immediately had my school provide yet another deferment application despite having already providing documentation that I am in school full-time. I just saw they denied my deferment saying the account was 120 days past due. As I said, I have been trying to address this issues for almost and I have numerous emails on Mohela 's website showing my attempts to address this. I received notice this week they have sent my loan into default despite my attempts and providing proof that I am in school. I was denied the deferment despite finally being told that is what needed to happen. Can you please help?
Consumer complaint received 2022-04-12
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. (GA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC (FL)

I went to my post office box to find a letter from Credit Control LLC informing me of a debt I owed back in XXXX XXXX XXXX or better yet XX/XX/2004 this should not be even be brought up anymore it's been way past 7 years so I don't know if this company is tangible because around tax time I get fraudulent calls threatening me to take me to court about various things I owe don't ever identify themselves or anything and I find it strange that this company is like being on a debt owed back in 2004 they have threatened to sue me if I don't answer hopefully after you inform them that they have no legal action with this debt you will prop them the respond 2 me that is been canceled and no further contact will be made
Consumer complaint received 2019-08-07
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CNG FINANCIAL CORPORATION (CA)

Goodmorning, A relative of mine received a call from ( XXXX ) XXXX-XXXX looking for me. I do not know the details of the conversation however I was informed it did not go well and that the gentleman on the other end of the phone used and exploitive to address my relative. Calling her a XXXX. 

I then called back the same number as was greeted by a Mr XXXX XXXX, a name I assume to be an alias as collectors are allowed to adopt an alias. However I could be wrong. I digress, Mr. XXXX informed me of the establishment for which he was working for saying he works for a federal entity and his job is to make final recommendations of wether or not litigation would be necessary. I asked what he was referring to and he informed me of a debt from 2014. It was a payday loan taken out by myself from an establishment named Check N Go. He said his job was to see if we could reach some sort of settlement or if litigation in my state was necessary and the decision of what route to traverse down, was left up to his discretion based off of the dialogue we had in our correspondence. He verified the last four of my social but the address on file wasnt an address that Ive ever lived at. I advises him that this doesnt bring about any memory for me and the address he referenced is an address Ive never occupied. I made Mr. XXXX aware of my bewilderment and he became disgruntled and said he was going to tell the judge and good luck with that buddy and hung up. I asked Mr. XXXX in the beginning of our conversation if the calls were being monitored and recorded and he said they were. I also noticed that after he verified my social he did not read me the mini miranda. Which is standard FDCPA practice.
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A. (VA)

I opened an account with Citibank, {$2000.00} limit and if I spend {$4000.00} by XX/XX/XXXX I get an additional XXXX points... So of course the purpose of getting this card is to get the bonus. I spend a {$1000.00} and made a pymnt on XX/XX/XXXX for {$1000.00}, they then put my account on hold until the XX/XX/XXXX to verify the payment is real. So althought it cleared my account to them on XX/XX/XXXX, my acct is frozen and no one is able to clear the hold until XX/XX/XXXX. I spent the {$1000.00} I had, made a {$980.00} pymnt XX/XX/XXXX, again the money has cleared and citibank has my account is on hold again. I must spend {$4000.00} by XX/XX/XXXX for bonus. I called and yes my credit has once again been put on hold until XX/XX/XXXX, a supervisor just called my bank and verified that the {$980.00} has cleared. I have a credit of {$1700.00}, but need to spend XXXX to get the award. Why is my account being put on hold when they have received the money and there is no fraud on the account? I understand if I was writing a check, there is time needed to clear, but this is a direct from bank to bank.
Consumer complaint received 2022-04-12
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. (GA)

In accordance with the Fair Credit Reporting act 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-09-11
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (FL)

On XXXX XXXX XXXX  XXXX sent me a letter stating resurgent now owns an account ending in XXXX an alleged debt in the amount of {$9200.00} On XX/XX/XXXX I received a letter from resurgent stating LVNV funding llc has required this alleged account. None of whom I have ever contracted with, it also stated Resurgent capital services L.P is the master servicer for LVNV funding LLC, also never contracted with. 
None of this alleged debt has been validated and yet it shows up on my credit report which violates the fair credit reporting act, the fair debt collection practices act, and defamation of character. Today XX/XX/2023 I sent a debt validation letter to XXXX funding who claims to have purchased this alleged debt from XXXX XXXX bank Nevada NA
Consumer complaint received 2022-04-12
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings (TX)

AD ASTRA RECOVERY SERVICES , INC Registered agent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, KS XXXX To : The XXXX XXXX XXXX XXXX for AD ASTRA RECOVERY SERVICES, INC From : XXXX XXXX XXXX Regarding : Unauthorized Administration of XXXX XXXX XXXX My credit report shows a collection from AD ASTRA RECOVERY SERVICES , INC. I was never notified of this collection. I also do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following : 1 ) An explanation of what this alleged account balance is for.

2 ) A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.

3 ) Documentation that shows I agreed to pay this debt with my signature.

4 ) The agreement that grants you authority to collect on this alleged debt.

5 ) A copy of your state license, including license number that gives you rights to collect in my state. 

You will forthwith return and transmit your written evidences of your delegated authority to " represent '' that you and the original creditor are authorized to administrate on me XXXX XXXX XXXX, together with certified copies of a signatured contract between XXXX XXXX XXXX and me, XXXX XXXX XXXX, you and XXXX XXXX XXXX, bonds, original creditor charge off documents, sureties, indemnification, insurance and any XXXX XXXX XXXX Collector Association Agreement passing me, XXXX XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon me, XXXX XXXX XXXX. Courts require your contract for jurisdiction. 

Please know that reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act. 

Also you have committed the following FDCPA violations such as : section 806. Harassment and abuse section 807. False or misleading representations section 808. Unfair practices
Consumer complaint received 2024-01-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (WA)

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. 


Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account I have not received any of document yet and keep asking paying the debts everyday phone call and bills.
Consumer complaint received 2022-10-15
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On Tuesday XX/XX/XXXX my gym locker was broken into while I was exercising. I received a notice on my phone that a charge was made on one of my cards. I went to my locker to discover that it had a different lock on it. The XXXX XXXX employees cut off the lock and when i checked my wallet all of my credit cards and cash was gone. The gym employees called the police for me while I tried to shut down my credit cards. One of the cards used was my Capital One Walmart card. There were five {$200.00} purchases ( {$1000.00} total charges ) made using the Capital One Walmart card, all of which were gift card purchases. I contacted Capital One on the XXXX to report the stolen card and fraud. I received a letter from Capital One today XX/XX/15 stating the my fraud case had been denied. I have an incident report from the XXXX  XXXX Police. The Police also have video evidence of the crime showing the suspects leaving XXXX XXXX and also entering the various stores making the purchases however the suspects were wearing covid masks. I had several credit and debit cards stolen in which the thieves used to purchased a total of {$8000.00} worth of gift cards. Again the total fraud purchases that were made using the Capital One Walmart card was {$1000.00}, five total transactions.
Consumer complaint received 2021-05-18
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc ()

They closed my account after I identified my identity too them, at the time I wasnt XXXX XXXX XXXX too have the account. So I verified when I turned XXXX then they closed it due to that reason not giving me any information on why they closed my account with earned money I need for bills, I rang them up about the issue, that didnt really get anywhere apart from the fact they said they are holding my account for 180 days but after a 30 day period I can transfer the money to my bank. Its now been about 110 days and Im still unable to transfer my self the money, PayPal seems like a very unorganised company from my experience. My PayPal is all linked to my main email which is XXXX XXXX
Consumer complaint received 2022-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (OH)

Barclays opened a credit card with a {$25000.00} limit without my permission. After being contacted multiple times in multiple ways and instructed to close the account I have finally received a letter stating that the account is indeed closed. However, it still shows up on my credit report.
Consumer complaint received 2022-04-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

I request that the following inaccurate items be immediately removed from my credit files. They must be removed in order to show my true credit history, as these items should not be on my report. 
Also, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably availableCredit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The original creditor should be the furnisher of information, not a third party source such as XXXX, XXXX or XXXX XXXX I am writing this letter in an effort to remove inaccurate information from my credit report. The following information you have placed on my file has seriously affected my credit profile. Please be reminded that it is important that credit bureaus maintain accurate information per the Fair Credit Reporting Act. 
The following account does not belong to me and should be removed from my credit report immediately : The following accounts are not mind account. No knowledge account. 


XXXX XXXX XXXX  XXXX ACCT # XXXXThe account is not mine. Please delete XXXX  XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX  XXXX ACCT # XXXXThe account is not mine. Please delete XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX ACCT # XXXXThe account is not mine. Please delete. 
XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX XXXX  ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX  ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Please delete XXXX XXXX XXXX  ACCT # XXXXThe account is not mine. Please delete XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX # XXXX.The account is not mine. Please delete XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete XXXX XXXX ACCT # XXXXThe account is not mine. Please delete Unknown ACCT # XXXX.The account is not mine. Please delete XXXX XXXX XXXX ACCT # XXXX.The account is not mine. Please delete Unknown ACCT # XXXX .The account is not mine. Please delete.
Consumer complaint received 2022-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc. (AZ)

We have a XXXX loan and a XXXX XXXX loan with XXXX different companies. My son has been paying on these loans since XXXX. The last XXXX years the interest was taken off, however, on all of our loans, We owe more now than when we started. What the heck is going on? We started out with Navient and XXXX. This year we were transferred to Aidvantage and XXXX. We never got a statement from anyone until this year. My son never stopped paying the entire time regardless of XXXX. How can we owe more now than when we started?