davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Michael & Associates, PC (CA)

I fell behind on my payments to XXXX XXXX due to being in an accident, which left me unable to work for the past year. XXXX XXXX cancelled my accounts and sent my bill to a law firm, Michael & Associates , PC for collection. 

On XX/XX/XXXX, I received a letter from Michael & Associates , PC. They were attempting to collect my debt for XXXX XXXX and they told me they had a wide variety of payment options to assist me with paying my debt back. 

There was a phone number included if I had any questions or if I wanted to make payment arrangements. I called the law firm in XX/XX/XXXX and spoke with one of their attorneys. I told him I wanted to set up a payment plan and would be ready to start a payment plan in the next month or two. He advised me to call him when I was ready to make payments. He said he would touch base with me in about a month and that it would be no problem. 

One month later I received a letter dated XX/XX/XXXX which said please be advised that this law office is in the process of filing a lawsuit against me. As soon as I read the letter I called the office and gave my case number and asked to speak with the original attorney I spoke to the first time I called. 

I got transferred to a woman named XXXX XXXX who told me I could not speak to the original attorney. I asked for his full name and she refused to give it to me, and only offered me his initials, ( XXXX   ) and was told that he did not work in that office and I could not speak to him. I told her I was ready to set up a payment plan but the amount I told her I could pay was not acceptable to her. She said she needed at least {$2000.00} up front and then we could figure out a payment. She asked me if I could borrow money from my family or if I had Social Security. I told her that was not an option and that I did not have Social Security or any income. I explained to her that I had been out of work for the last year due to my accident, and taking care of my mother who is XXXX XXXX  and XXXX. 

XXXX proceeded to tell me that Michael & Associates , PC had already filed a lawsuit against me on XX/XX/XXXX. I checked with the court and as of today, XX/XX/XXXX, no lawsuit has been filed. I dont know how to resolve this.
Consumer complaint received 2018-03-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

I have 2 loans with XXXX. On XX/XX/XXXX, the interest for both loans capitalized. When I called XXXX to inquire the reason behind the capitalization, I was told by their IR department that my REPAYE recertification application submitted on XX/XX/XXXX had an electronic signature instead of a wet ink signature and that this resulted in an incomplete application. Because my application was incomplete, I missed the XX/XX/XXXX deadline to submit the recertification application for REPAYE so my loan repayment automatically changed to the 10 year IBR repayment plan and consequentially my loan interest would capitalize at an unspecified future time. I was not notified by XXXX that my application was incomplete and denied until XX/XX/XXXX, at which point it was impossible for me to submit a wet signature in time for the XX/XX/XXXX deadline. I had called XXXX customer service multiple times in XX/XX/XXXX and XX/XX/XXXX regarding the status of my recertification application and I had been reassured by multiple customer service agents that my application was complete and that it was a matter of time before my application would be reviewed and processed. After I learned that my application was denied on XX/XX/XXXX because of my electronic signature instead of wet signature, I promptly submitted a wet signature to XXXX within 1 day. However, XXXX still faults me for missing the XX/XX/XXXX deadline, even though I had submitted my recertification application in its entirety to the best of my knowledge and following all instructions on the recertification application given it was not written nor verbally conveyed to me anywhere that I had to submit a wet signature. Therefore it is not my responsibility nor my fault that my recertification application was signed and submitted with an electronic signature. So XXXX should not be allowed to capitalize my interest for the reason that I missed my recertification deadline in XXXX.
Consumer complaint received 2022-08-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (FL)

XXXX, XXXX XXXX XXXX, XXXX. Served me a summons & complaint without proper communication prior to being served on XX/XX/22 for the amount of {$2500.00}. I certified mailed a Debt Validation Letter prior to be served which has not been responded to as of today.
Consumer complaint received 2022-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DISCOVER BANK (PA)

This account is not my responsibility. I'm not even under any obligation to do anything. I've already contested this account, and you haven't shown any evidence that it belongs to me. It's not my creation. This is deceptive and could harm my credit.
Consumer complaint received 2024-02-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2022-08-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group (CT)

In 2015 the XXXX XXXX XXXXXXXX XXXX made me move out of an apartment that almost hurt my son, its something they need to take up with XXXX XXXX and accuse me of theft and damaging property which Ive never done anywhere Ive lived in my life, I told the company Im not paying the collection and they need to contact the XXXX XXXX and leave me alone, that apartment almost XXXX  my son, Im not paying for nothing I didnt do including what Im being accused of.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Maximus Federal Services, Inc. (GA)

After pulling my consumer report on XX/XX/, I filed a dispute with Dep of Education Loan Services/ Aidvantage also the three major credit bureaus XXXX XXXX XXXX XXXX and XXXX XXXX I disputed 8 accounts that were furnished onto my consumer report by Aidvantage/ Dep of Education Loan Services that were reporting age was over 7-10 years. Lawfully Aidvantage should have removed these accounts from my consumer report as they were delinquent. On XX/XX/ XXXX sent me their Investigation Results also XXXX dispalyed the results same as XXXX after the Investigation. The Invesigation reults from the disputed accounts were 6 out 8 Aidvantage accounts removal/deletion from my consumer report. Since then, i have had to send dispute letters to Aidvantage for continuingthe furnishing of false and lawfully disputed information. Aidvantage has made it clear that they do not respect my consumer rights.
Consumer complaint received 2022-10-17
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. (CA)

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.

Dept of EdXXXX XXXX  : # XXXX, US Department Of EdXXXX XXXX US Department Of Edu : # XXXX , has violated my rights. 
15 U.S.C 1681 section 602A, 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 items of information, other than records of convictions of crime which antedates the report by more than 7years.

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 2018-03-01
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: EQUIFAX, INC. (CA)

I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed an unauthorized inquiry had been made on XX/XX/XXXX. 
I contacted XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2020-09-15
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. (IN)

I have disputed the account in question countless times, and have been restricted from disputing any longer due to the issue being " resolve '' as no change numerous times. The account has been paid in full in response to a charge off on the account back in XXXX. I paid the remaking balance owed to the creditor in XXXX and have disputed the status which shows as Potentially Negative and Derogatory/Charge-off instead of showing as Current/Paid in Full. The account is closed but still affects my credit and ability to be offered credit as it is visible on my report as negative and has been for almost a year since I paid it fully on XX/XX/XXXX and have since disputed it with no change to the account. I would like this entire account to be removed as it is not benefiting my report in any way and is only negatively impacting my report due to a lack of experienced investigation into the matter on Experian 's behalf.
Consumer complaint received 2019-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

I have a USAA Consumer loan that was set up for automatic payment ( {$440.00} a month ) from my XXXX XXXX checking account. The payment for XX/XX/XXXX was never taken out for payment. I was unaware that the payment was not made until USAA informed me around XX/XX/XXXX. The new total due was now {$890.00} and that the payment was considered late 30 days late. At the time I was informed of the delinquency I explained that I was currently dealing with the Veteran Affairs not paying me while I was currently in school. I knew I had a debt protection on the loan incase of loss of job or unforeseen circumstances. I explained I was waiting to be paid from the VA and that I just got a new job that I was set to start on XX/XX/XXXX. On XX/XX/XXXX I transferred {$500.00} from my XXXX XXXX checking to my USAA Checking account. When I checked to see if the money posted into my USAA checking account I find out my checking account was not showing up. I called USAA and they explained my account was charged off ( to which I didn't have any knowledge ). They said they could transfer me the money back to my XXXX XXXX account but it could take 15-20 days but I would only receive {$440.00} in return instead of the {$500.00}. Told me that I could only pay the loan using my XXXX XXXX checking account and not with my USAA savings account. Said to expect the money back in my XXXX XXXX account on XX/XX/XXXX. When I checked my XXXX XXXX checking account on the XXXX I didn't have the money back from them so I called to which they explained they could transfer it back to me. The girl I spoke with accidentally transferred {$440.00} from my XXXX XXXX checking into my USAA savings instead of transferring the money they owed me. Realizing what she had done she apologized and said she would transfer it back but I would only receive {$640.00} XXXX XX/XX/XXXX ) and have to wait a few business days ( XX/XX/XXXX ) for the remaining {$240.00}. After I received the money back I was now over 60 days past due and now the total increased to {$1300.00}. I was in communication and working with them consistently and unaware that they were in fact reporting me to the Credit Bureau for missed/late payments. This could have all been avoided if my checking account was not charged off without my knowledge. I called on XX/XX/XXXX to get a 14 day payoff amount and to setup payment for {$440.00} on XX/XX/XXXX. I later found out they waived late fees but then also cancelled my debt protection without my knowledge. A payment of {$1600.00} was made on XX/XX/XXXX to bring the account to current. I spoke with them about removing the reports made to the Credit Bureau to which they informed to fill out an online form and wait about 30 days then they would mail me a result. I was advised to submit a complaint by my credit specialist.
Consumer complaint received 2022-08-28
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act 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 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 an account without my written instructions
Consumer complaint received 2022-08-28
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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 an account without my written instructions
Consumer complaint received 2018-10-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (DC)

The service provider, XXXX XXXX XXXX, has not correctly calculated my payments credible to the Public Loan Service Forgiveness Program. I alerted them in XX/XX/2018 and escalated it in XX/XX/2018 to the ombudsman office. This issue has still not been resolved. I have also contacted XXXX XXXX 's office and the Department of Education who closed the case out without resolving the issue. I am attaching all the payments I made. There was a miscalculation on how the payment was applied, which is affecting the credible payments. I can show all payments were timely, yet this is still not resolved. I am missing around 3 years of payments. 

Thanks, XXXX XXXX, XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. ()

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Consumer complaint received 2019-01-25
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: JPMORGAN CHASE & CO. (IL)

Chase Bank hired clearly international call center reps to call me regarding issues with my account. I repeatedly asked to speak with a US native or someone that could verify they were from my bank or country. The representatives repeatedly told me I would receive a call back when I placed my request. I never did. Every call I received was an XXXX sounding individual stating they are from Chase and requesting my social security number. No one in their right mind is giving their social out over the phone to someone from a call center, nonetheless outside of the US.

Given Chase used tactics that any reasonable individual would presume may potentially be fraud renders their " attempts to contact '' null and void. They may save on labor costs by outsourcing to a foreign country, but it undermines the validity of their process. Furthermore, when I requested information to verify they were from Chase, they could not provide any proof. When I asked for a call back from someone in the US or at a bank branch in my city or country, they never did. How would I ever presume there was an actual issue rather than a scam.
Consumer complaint received 2019-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CO)

There was a fraudulent debit transaction on my Chase account on XX/XX/XXXX for {$140.00}. I notified chase of the transaction on XX/XX/XXXX. I notified Chase on XX/XX/XXXX that my debit card was missing and that I believe the card and PIN number had been stolen on XX/XX/XXXX. I explained in detail that I had mistakenly believed I still had possession of the card on XX/XX/XXXX. I called Chase for a third time on XX/XX/XXXX and was told that my claim had been denied and that Chase was not going to reimburse me for the amount {$140.00}. I told them that I wished to dispute this decision because they are in violation of federal law ( Regulation E. ) I told Chase that because I notified them within 60 days of this fraudulent transaction I should not be liable for more than {$50.00}. I was told by Chase that there was nothing else they could do concerning the matter.
Consumer complaint received 2018-11-19
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. (OH)

I have sent 4 dispute letters over the course of 5 months to Experian disputing items on my credit report that is inaccurate. I asked them to verify the accounts with original documents that I SIGNED and to send me a copy of that ORIGINAL DOCUMENTS WITH MY SIGNATURE ON IT, but they have failed to do so. The unverified items listed below still remain on my credit report in violation of Federal Law. 

XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX
Consumer complaint received 2023-12-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc. (VA)

Cash App will not allow me to use funds on my card. It started with a dispute I had for a fraudulent purchase. After several attempts to dispute I noticed every time i would need to swipe my card for purchases it would state unusual activity and decline. I am limited to only sending/receiving money from other recipients. I can not make any withdrawals nor are payments able to be taken for bills when I have the funds in my account. I asked Customer Support several times if I could provide any personal information to clear up the problem and they continually state they have no further information to provide. Now they have removed my card from the app and it can longer be used. I still have funds in my account I can not gain access too.