davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (AZ)

I resolved this issue with XXXX XXXX XXXX already and settled to pay around {$300.00} for a {$570.00} collection. My boyfriend had destroyed the phone and I ended up homeless for months afterwards and didn't pay it for quite some time. The company took my account number to my XXXX Bank account or XXXX XXXX ( I do not have this account any longer so I am unable to provide the statement since it's been a couple years ). They took the payment out and they agreed that it would be removed from my credit score. I went to dispute it because it showed up again on my credit report saying that I owed money once again, it disappeared finally, nowhere to be found for months so I figured that we were done with this situation, and once more it has reappeared on my credit as of XX/XX/XXXX which is significantly impacting my credit score at this point. It has been paid and it was supposed to be removed but it looks like the name of the company has changed as well. If I dispute it again, I want it removed from my credit like it was promised and I don't want it popping up again with a different company name. I will not be paying to settle it again since I have already paid the amount. I will also not be using XXXX XXXX XXXX ever again either because this has been such a huge hassle
Consumer complaint received 2019-09-19
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (UT)

On aproxamatly XX/XX/2019 Ditech changed my account # from XXXX to XXXX at that same time I sent in a payment for more than the minimum amount which Dirtech failed to properly credit to my account they have both admitted the error and gave asurances that they would fix it and that many other customers were experiancing similar problems. I have called Ditech at least 10 to 12 times over the last 6 months to try to get them to do their job and fix their mistake with no success. Ditech continues to harass me with automated phone calls and coraspondance and have imposed severe penelties by increasing the minimum payments due and raising my interest rate. I have continued to make monthly payments in amounts more than the original minimum due at the time of the account # change. Ditech has recorded all the conversations as well as I have noteded the dates and who I spoke with. 

I have sent Ditech on two occations a Qualified Written Requist which they said they would respond to but they have failed to do so in spite of Ditech informing of dates that they would do so. At this point I feel that there is a high probablity that Ditech has violated both State and Fedreal statutes particulary the fair debt collection practices act. I  have also sent a letter with my last payment again no response.
Consumer complaint received 2019-09-19
Product: Debt collection — Mortgage debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. 

I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity. 

I have attempted to resolve this matter and open to some type of settlement prior to further litigation.
Consumer complaint received 2023-01-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Presto Loan Center, LLC (GA)

On XX/XX/2022 my vehicle was stolen from my home in XXXX Arizona. I have cameras so I noticed it was a tow truck and when I contacted the tow truck company, they said my vehicle was repossessed from a company called XXXX XXXX XXXX XXXX, XXXX based in XXXX, Arizona. I told my father about the incident, and he told me that he took out a title loan on the vehicle because his name was ALSO on the title. My father never told me about this loan. I contacted the manager at XXXX XXXX loan to demand my car back because I never authorized my father to take out the title loan. The manager said there was nothing they could do because the contract says " only 1 person on the title has to sign off on the loan '' so they would not provide me with a copy of the contract and will not return the car to me. At the time my father took out the loan, I was only XXXX XXXX XXXX. I am asking for assistance in having my car returned to me.
Consumer complaint received 2019-09-19
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (NJ)

My son is not XXXX years old and is using a Paypal account registered in my name. 
Someone is taking funds out of his Paypal account. 

His XXXX XXXX gaming earnings from XXXX games are being stolen from Paypal and my credit cards and/or debit cards have been charged in the past instead. 

The latest of incidents is a XXXX purchase thru PayPal that was cancelled ( see e-mail confirmation ) but the transaction amount has not been refunded. 

It appears that some one is scamming customers out of their PayPal account balances and causing fraud to the financial accounts linked to the PayPal accounts during the initial setup. 

PayPal is being used to scam customers.
Consumer complaint received 2023-05-10
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

In accordance with the fair credit reporting act, this account has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer plan as late for any purpose. 

I request that the late payments associated with this account be removed or the closed account be removed entirely.
Consumer complaint received 2019-09-27
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (KY)

One Main Financial has been calling my cell phone in attempts to speak to me about past due payments. They have left several messages and call 2 to 3 times a day. They obviously have my personal information and had an old work phone number on file. I work for a XXXX  XXXX and am an XXXX in the XXXX XXXX where we do not take any customer phone calls. 

One Main Financial called my place of employment and impersonated being a mortgagor needing to speak to me to obtain my new work number. They contacted the main branch located in XXXX, KY and spoke to XXXX XXXX, the front desk receptionist and advised that they were a XXXX names XXXX and needed to speak to me as I was handling their XXXX. She contacted me directly to see if I was expecting a direct call from a XXXX  and when I advised no, she said that they hung up. They then contacted the XXXX 800 number for Customer Service and impersonated again being a XXXX and advising that I was working on their XXXX ( which I do not do ) to try and obtain my information. Someone in Customer Service did in fact give them my work number in which they started calling several times for several days. I called and left a voicemail with them and advised that they did not have permission to contact my place of employment. 

One Main Financial used deceitful tactics to obtain information as well as harassing me.
Consumer complaint received 2021-07-21
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. (TX)

I have noticed some inquiries that I did not consent to, authorize, nor benefit from these. I reached out to try to get these removed with the creditors and the credit bureaus but with no success. Please see the following FTC report I sent to the three bureaus and never received a response.
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIBANK, N.A. (DC)

On XX/XX/2022, I opened my Citibank app to check my balance. As the balance seemed low, I looked at the detailed transcations and saw that six checks had been cashed on XX/XX/2022. There were five checks in the amount of {$130.00} each and one check for {$400.00}, for a total of {$1000.00}. All of these checks I had written to one vendor and were dated mostly from XXXX 2022. All of these checks had already been previously cashed by Citibank and Citibank erroneously cashed them twice. 

Upon noticing this and confirming that indeed these checks had already been cashed, I contacted Citibank 's fraud line. I was told that yes the checks were erroneously cashed twice and they would start an investigation. I was given the following reference number XXXX. Since then, I have reached out to Citibank on multiple occassions but always with the same response that the issue is still under investigation. More than six weeks have passed and I still have not had the funds re-deposited in my account from what seems to be a very straight forward issue. 

I am attaching a snapshot of my transaction statement showing the checks cashed in XXXX and an earlier statement showing that they had already been previosuly cashed.
Consumer complaint received 2022-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NJ)

I, XXXX XXXX, a consumer, the company Hunter Warfield has invaded my individual privacy., I am refusing to pay the alleged debt. I do not have trilateral contract with Hunter Warfield with my signature to the such alleged debt. I also never gave my direct permission for this debt collector to contact or use my location information. This debt collector has contacted me multiple times which were all inconvenient times for me that has disturb and annoyed me because I was spending time with my family and at my place of employment. HunterWarfield contacted me by phone on XX/XX/2022, XX/XX/2022 and email on XX/XX/2022 without prior direct consent from myself.
Consumer complaint received 2024-02-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to give XXXX, Experian and XXXX a opportunity to resolve this issue. I filed a re-investigation, and still no lawful response from XXXX, Experian and XXXX. XXXX, Experian and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act pursuant to [ 15 USC 1681s-2-b ( ii ) ] and [ 15 USC 1692 ( e ) 8 ( 2 ) A ]. I have legal documentation of my attempts to have inaccurate and false information removed.
Consumer complaint received 2022-12-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc. (UT)

My loan was transferred from my XXXX  to Aidvantage in XXXX, they said account access would occur in XXXX, but they still are unable to find my account. I applied for a refund under CARES with my XXXX  for {$10000.00} before they transferred, but it appears they will not have my account information to reapply for the refund under Aidvantage before the XX/XX/22 deadline.
Consumer complaint received 2019-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (MN)

JPMorgan Chase Bank and XXXX/XXXX XXXX XXXX XXXX credit reporting dispute : This discrepancy on my credit report was disputed with XXXX. The outcome has resulted in insufficient change to the report. The information that disputed and is indeed false was incorrectly verified as correct by JPMorgan Chase to XXXX. This notice is attached ( A ). 
This Account, XXXX, is correctly identified on the credit report as opening XX/XX/XXXX. The first payment was made on time on XX/XX/XXXX as evidenced by my bank statement from that time ( Attachment B ). Ive included the second bank statement showing the on time payment ( Attachment C ). I can provide evidence of every single payment being made on time, however it seemed excessive. Especially since JPMorgan Chase is WELL aware that every payment was made on time. 
I filed Chapter XXXX bankruptcy in XX/XX/XXXX. This loan was not included in the bankruptcy. I signed and submitted a reaffirmation letter JPMorgan Chase, however they did not sign and return it in time for it to be filed with the bankruptcy. 
The month I filed is the month that JPMorgan Chase is reporting as the date of 1st Delinquency. Indeed this is not the case as I have provided proof of payment from XXXX XXXX for that month as well as every single month on time from XXXX ( Attachment D ) when the account was sold to XXXX XXXX XXXX  XXXX. Attached is the email from Chase notifying me of the change effective XX/XX/XXXX ( Attachment E ) XXXX XXXX XXXX , XXXX as serviced by XXXX XXXX XXXX XXXX sent notice on XX/XX/XXXX of new account XXXX. Statements showing this change and on time payments since that time are attached ( Attachment F )
Consumer complaint received 2022-12-29
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. (MD)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2018-07-11
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: EQUIFAX, INC. (AL)

XXXX XXXX  reflects the Human Resource debit is paid off, and I quote from their web page, " You've paid off 100 % of the original amount '' ... but also XXXX XXXX continues to tell me about once a month via email that the debt is effecting my credit score. 

The debit concern is with The XXXX County XXXX Department of Human Resources which wrote this debit off to my local district court for garnishment of which they are collecting biweekly from my payroll which I can provide digital proof of. 
Also the debit owed that they are reporting to XXXX and Equifax is not the correct amount anyway nor is it in arrears or bad standing. So I am requesting that XXXX and Equifax remove this discreprency immediately!!!
Consumer complaint received 2023-04-14
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: Maximus Federal Services, Inc. (FL)

My loans were paid off completely by XXXX of XXXX. On XX/XX/XXXX I called XXXX inquiring about my qualifications for receiving the student loan reimbursement that I understood I could qualify to receive after the Biden-Harris administration announced the Loan Forgiveness. I had completely paid off my loans during COVID-19 pandemic and for this reason, and given that I received a Pell Grant in the past, the person I spoke to on the phone stated that when verified, the aforementioned would qualify me for this refund. The person never counseled me on the fact that to receive this refund, that would mean completely reopening 19 loan accounts in my name and report them to the credit bureau. She only very casually mentioned that I could see a balance in my account but to not be worried about it because this was part of the refund. 
Months later I get a random deposit of XXXX from the Department of Education and when I call them, I find out I owe XXXX on my student loans and that money is for me to pay it back. This is completely nonsensical as I did not owe a single cent. I have been blindsided and now my credit reports shows a sudden opening of loan accounts and my car insurance has raised my car insurance because of this. I will take the necessary action to get the accountability from XXXX as it is my consumer right to be informed of something that will be opened in my name and reported to a credit bureau Pertinent Dates : XXXX XXXX-ALL student loans fully paid off XXXXSpoke to XXXX  rep regarding student loan refund XXXX -- XXXX Received XXXX from Department of Education without any written notice explaining what money was for a XX/XX/XXXX -- XXXX Spoke to XXXX rep who disclosed they had in fact reopened my loan accounts. Realized at that point that I was misinformed by them and that they had without my consent reopened my loans XX/XX/XXXX -- > XXXX XXXX sends me a letter letting me know I no longer qualify for my previous rate based on Credit Reports XX/XX/XXXX -- XXXX Sent XXXX XXXX a request to see what they had reported to XXXX XXXX that affected my Car Insurance XXXX -- XXXX realized there are 19 new loan accounts opened in my name by XXXX
Consumer complaint received 2023-02-03
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: EQUIFAX, INC. (AL)

Hello my name is XXXX XXXX and I am a victim of identity theft. There is information on my consumer report that is a result of identity theft. My rights to privacy have been compromised instead of protected through the Fair Credit Reporting Act. I did not provide written permission or instructions to be reported on my consumer report. 15 US Code 1681 c-2 states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than 4 business days after the date of receipt. 18 US Code 1028A states that whoever knowingly transfers, possesses, or uses my information, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. I am requesting that the reporting of this information be BLOCKED AND DELETED. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. 

Account Number : XXXX Account Name : XXXX Date Opened : XX/XX/2021 Balance : {$470.00} I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. 
You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.
Consumer complaint received 2022-11-30
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. (IL)

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$8700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX IL ) XXXX Balance : {$10000.00} ; XXXX XXXX XXXX Balance : {$1000.00}
Consumer complaint received 2018-08-09
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: EQUIFAX, INC. (FL)

I have contacted the CRA multiple times via Certified Mail and their online dispute system ( which seldom works ). There is an entry listed on my credit report in error, which I have tried to have removed repeatedly. It has come to my attention that someone with a similar name to mine filed bankruptcy in the XXXX District of Florida U.S. Bankruptcy Court, and it has appeared on my credit report. Through your dispute system I recently filed a dispute stating that someone with a similar name had filed this public record and it was not mine. However, it remains. I searched the PACER system and I have contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau information relating to any bankruptcy cases, and that your information is from an online service such as XXXX XXXX & XXXX XXXX XXXX. I have searched PACER for information pertaining to this listed Public Record, and the address listed on the court filings is not my address, and I have never lived there. The address is located in XXXX County and I have been a resident of XXXX County for over 10 years. As you well know it is a violation of the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq. to report erroneous information on a credit report. I demand that Equifax expunge the reporting of a bankruptcy entirely, as it is a willful violation of the bankruptcy reporting requirements of 15U.S.C. 1681c ( d ) ( 1 ).
Consumer complaint received 2023-01-27
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (TX)

On multiple times I was charged for having the account when I wasnt supposed to be because of how much I deposited into account. Then came overdrafts I didnt approve nor had money in account to cover. Lastly I was over charged by a rental company and even tho I showed fraud they still have my account negative for such charges