davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (AZ)

I have asked for my qualifying payments to be recalculated and for the one time forgiveness for forbearance/deferment to be processed. They said I had 75 qualifying payments and then I submitted an employment verification for my time at the XXXX XXXX XXXX XXXX. Their response was that they now have processed my time at XXXX and included the qualifying payments but the payment count never changed! I am coming up on 11 years in Education. I want all of my payments recalculated and I want my account to be processed for the one time qualifying payments for forgiveness/deferment which I was told by XXXX would qualify.
Consumer complaint received 2024-02-17
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A. (IL)

My name is XXXX XXXX, and I am XXXX XXXX 's POA. She can no longer handle her affairs due to early onset XXXX. In XX/XX/2023, I had to move her out of XXXX  to XXXX due to my mother who was caring for her was diagnosed with stage XXXX XXXX XXXX. 

Today I received a collection notice in the mail that the account is delinquent {$12.00}. After speaking with representative, she informed me the account has been past due since XXXX due to a $ XXXX monthly fee. I asked for the fees to be waived since the account has not been used and asked that credit history be updated. I was advised that the fee is per the terms and she could not waive them. 

My mom is no longer able to help with XXXX 's finances and I was not aware of the bill since a statement was not mailed. It appears the notification were going to an email I did not have access to. No collection notices were received either until after almost XXXX months for them to update the account information as they continued to reject the POA that was provided. 

I understand the importance of fair lending and treating people equally, but it does not seem right for my sister to penalized over monthly fees and to have it negatively impact her credit history.
Consumer complaint received 2022-12-16
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. (CA)

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX .... Balance : {$280000.00}
Consumer complaint received 2021-06-12
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MoneyLion Inc. (NY)

Money Lion allowed a fictitious account opened with there company. They used my stolen Social Security number. Then the fake account withdrew funds from a online Bank Account at XXXX XXXX. I contacted Money Lion and spoke to rep about the Fake account and the clerk disconnected call. I also advised XXXX XXXX fraud
Consumer complaint received 2024-03-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CashRepublic Holdings, Inc. (TX)

Omni reported and closed complaint XXXX citing as a duplicate. 

It was not and is not a duplicate. I look forward to litigating
Consumer complaint received 2021-06-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc. (MD)

I am consumer, natural person and my federally protected consumer rights have been violated repeatedly by Credit Corp Solutions. I provided Credit Corp Solutions an signed notarized affidavit of truth & Cease & desist on XX/XX/2021 regarding the alleged debt and find that they are using abusive practices against me for this alleged debt which is a violation of 15 USC 1692 by continuing to contact me without my written consent Credit Corp Solutions is choosing not to follow federal law. Based on the definition and federal laws : Truth In Lending Act, 15 USC 1692 and 15 USC 1681. Credit Corp Solutions , Inc is a debt collector and here by fail under 15 USC 1692. Since loans dont exist and the alleged contract is a consumer credit transaction and I sold my credit to Credit Corp Solutions , Inc pursuant to 15 USC 1602 H, the alleged contract in question is fraud and thus null and void. I am in distress and is causing me grave concern that Credit Corp Solutions Inc continues to contact me although they were notified of the Cease & desist from me on XX/XX/2021.
Consumer complaint received 2019-10-07
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION (OH)

I was 19 days past due for my Fifth Third Bank mortgage it was due XX/XX/XXXX and I paid it online on XX/XX/XXXX. Fifth third bank had the audacity to send someone to my home on Sunday, XX/XX/XXXX and I was not home my children were and they handed my XXXX year old daughter an envelope and questioned her about my whereabouts my daughter said she was very rude with her. Then I received a phone call today, XX/XX/XXXX and they refused to tell me what company they were calling from. I found out because I hung up and called the number back. # 1 they should not have came to my home for a payment that isn't even 30 days late and they harrass me with phone calls. Something needs to be done with this bank. They dont need to come to anyone 's home for a 19 day late payment. Please look into this this has to be breaking some type of law. I have never heard of a company come to your home and harrass you ... they basically harassed my children. I called them today to complain and the representative said she knew nothing about a lady coming to my home.
Consumer complaint received 2021-07-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (MD)

This communication is a follow-up in regards to closed complaint XXXX Midland Credit Management, Inc.is in clear are violating federal laws against my person and natural person and of the FDCPA Laws. From their previous response to my original complaint, there is a clear admission of guilt. The Affidavit of Truth, debt validation form/letters, and correspondence, as well as exhibits, have all been ignored. 
Midland Credit Management , Inc. responded by sending a letter with absolutely no information and did not include the requested information from any of the correspondence sent out with certified mail validation. This included NO notarized under penalty of perjury Affidavit of Truth responding to my Affidavit of Truth line by line signed by the CEO, CFO, or any superior of Midland Credit Management XXXX Inc., NO completion of the debt validation form, I have yet to receive validation on behalf of the account with any contract bearing my signature stating I would be responsible to pay any debt to Midland Credit Management , Inc., LLC or any company that they represent and whom I have no contract with for an alleged debt I do not owe. Instead, I have received numerous debt collection attempts and itemized report statements as " proof '' that said debt has been validated from the " original creditor '' XXXX and which per FCRA/FDCPA does not constitute verification. Please note that on XX/XX/2019 the CFPB released its Fair Debt Collection Practices Act Annual Report and it stated the following : The Bureau notes that one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after a consumer exercised his or her 1692g rights. Specifically, the Bureau calls out the practice where debt collectors forwarded consumer debt validation requests to the relevant clients, who mailed responses directly to the consumers. Section 809 ( b ) of the FDCPA requires a debt collector, upon receipt of a written debt validation request from a consumer, to cease collection of the debt until IT ( meaning the collection agency ) obtains verification of the debt and mails it to the consumer. Examinations found that one or more debt collectors routinely failed to mail debt verifications before engaging in further collections activities.
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (OH)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : AD ADSTRA RECOVERY Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company. 

According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to XXXX}, or one percent of the collectors net worth, whichever amount is lower. 

Best Regards, XXXX XXXX XXXX
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: PNC Bank N.A. (FL)

My PNC credit card was used fraudulently when I was away from the United States. I was out of the United States between XX/XX/XXXX to XXXX. I was in XXXX, XXXX with my family. I parked my car to valet and the valet had access to my car. My several credit cards were in my car as well as my US Phone. When I was away, my credit card was used fraudulently, and online banking/ and several SMS confirmations were made with my US Phone. Then I realized the person who made these purchases. All the other credit card companies were able to get security cameras etc from the merchants and caught the guy. His name is XXXX but used a fake name called XXXX, The PNC fraud team accused me of lying and closed my credit card. I do not deserve this kind of behavior. I have all the evidence and the proof but the lady who had my case even did not care to ask for any evidence. I have all the evidence that I was not in the USA + my case to the valet + reports etc. Let 's say you deny the case, I do not deserve my credit card to be closed. I put all my cards in my safe now and I will be careful next time not to trust strangers. Please reinstate my account and approve or deny the fraud claim, Doesnt matter because the amount is small. Please reinstate the account, so that I can use the card frequently and have a better relationship with PNC. Please trust and believe me. I want justice. Do not be biased. Please.Thanks
Consumer complaint received 2023-08-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA (SC)

To Whom It May Concern, I have been dealing with identity theft for the past year and a half and it is a difficult and troublesome on-going issue that Im still trying to resolve. There is an on-going identify theft alert in my name with FTC. Ive also put a year fraud alert with credit companies for this entire year. Please re-open an investigation for this fraud case on my behalf. Furthermore, I have also enclosed a police report for the illegitimate charges as well circumstances that have caused the identify theft in the first place. Apple card issued by Goldman Sachs Bank USA has blocked me from seeing my bank statement under my apple ID : XXXX I have reported many charges which were fraudulent to them, however, they have re-billed everything that were reported. I can not see anything on my end I have no access to see what is happening to my account. However, I was afraid of interest would accrued on the card I just kept paying until I was able to reach out. They never returned my emails or phone calls and I'm left in the dark on why my fraud claim isn't resolved. As explained when I have reached out to them about those charges, which I can't see since my account was closed without notice, that are fraudulent due to identity fraud. 

They recently claimed they found not fraud on my account which is inconsistent to what I have originally reported to them. My phone was lost with my wallet, my virtual card is on that phone. How can you not find fraudulent activities on my card when that happened?? 
Moreover, I don't have access to this email address XXXX anymore because it was hacked into when I lost my phone. 

Again I received no communications from XXXX to its day. No reasons given as to why they closed my account either.
Consumer complaint received 2022-02-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (OK)

When applying for my Capitol One XXXX credit card, I was under the impression due to false advertising that I would receive credit increases. On both XX/XX/2021 and XX/XX/2021 I was denied a credit increase. I am a loyal and responsible customer. I spoke with two representatives, one whom is a supervisorboth were no help at all.
Consumer complaint received 2024-02-16
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION (AZ)

Im charges {$390.00} in annual fees but a travel card provider can not deliver my authorized card request internationally. I have wasted 3 months reaching out to support which has lead to even more disappointment. 

Upon airline schedule change one of the travel agent said that I can get a full refund when I cancel and when I actually asked for a refund they denied it saying its not in airline policy. Turns out the card provider is the only one with access to policy and it changes as they would want. 

This company isnt transparent I have no paper proof as they dont send letters or email. Everything is done over call only to which only they have the recordings. Even after filing a complaint they with them they dont give you a number so customers can never figure out if the complaint was logged or not.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC (GA)

XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed a unauthorized and fraudulent credit inquiry made by this company.

Inquiry was made on XX/XX/XXXX by XXXX XXXX XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

XXXX XXXX XXXX XXXX is reporting a collection account ( XXXX ) as Open, under the Account Type section of my Equifax credit report, in violation of FCRA and FDCPA reporting regulations. Collection accounts can not ever be described as Open, they must be described as Collection Accounts. 

The attached documents are reflective of my most recent Equifax report, which shows XXXX XXXX XXXX fraudulently reporting this account as Open as of XX/XX/2021.
Consumer complaint received 2022-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO. (GA)

JPMCB - AUTO FINANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern : While checking my most recent credit report, I noticed unauthorized and fraudulent credit inquires made by this company. 

Inquiry 1 was made on XX/XX/XXXX by JPMCB-AUTO FINANCE Inquiry 2 was made on XX/XX/XXXX by JPMCB-AUTO FINANCE I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. 

- Please validate this information with this company and provide me with copies of any documentation associated with this account bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that this fraudulent inquiry be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611
Consumer complaint received 2022-02-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

On XX/XX/XXXX I sent, through certified mail, a letter to Transunion, XXXX, and XXXX credit reporting bureaus requesting an investigation into an account I believed to be reporting erroneously. 
Tracking Number : XXXX - Transunion XX/XX/XXXX Tracking Number : XXXX - XXXX XX/XX/XXXX Tracking Number : XXXX - XXXX XX/XX/XXXX With the above tracking numbers on the USPS site I show they are in receipt of these letters. 

On XX/XX/XXXX I sent a follow up letter to Transunion requesting them to complete their investigation and submit accurate information on my credit report as is required by law. 

The account still remains and is reporting innaccurately. I formally request this entire account be removed from my credit reports as it is reporting inaccurate information and the investigation process was not completed per the current FCRA. 

Currently, Transunion is reporting the date of last activity for this account to be XX/XX/XXXX. However, XXXX reports this date as XX/XX/XXXX and XXXX reports it as XX/XX/XXXX. As none of these dates are the same, it is clear the account was not verified and I would like it to be completely and permanently deleted from all 3 credit reporting bureaus ' records. 

XXXX XXXX XXXX - XXXX
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Open Dealer Exchange, LLC (WV)

XXXX XXXX XXXX XXXX pulled my credit report on XX/XX/year> without my permission I didn't authorize them to do so. And also on XX/XX/year> XXXX  bank also pulled my credit report without my permission and didn't authorize them to. so someone stoled my identity and I already tried talking to them both to have it removed from my credit report and they said that they couldn't do it and that I had to contact the credit buereas so I did and they said that they couldn't remove them. And I told them that it was a fraudulent inquiry. So I need to have them removed thank you
Consumer complaint received 2021-06-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC (CA)

On or about XX/XX/2021 I received a collection letter from American Coradius International ( ACI ) advising that I owed {$80.00} to XXXX and attempting to collect on such debt. At the same time, I contacted XXXX and confirmed that no such debt is owed. Based on the same, correspondence was sent to ACI requesting that they perform their due diligence and stop communicating with me. Instead of responding to my correspondence, ACI continued to send me further collection letters for two additional accounts for a total of three accounts all indicating that I owe {$80.00} To XXXX. 

ACI has violated the fair debt collection practices act and California Civil Code section XXXX. They have repeatedly ignored my correspondence and at this stage based on their violation of law I am entitled to immediate relief. 

XXXX indicates prohibits the communication by a license collection agency to a debtor demanding money unless the claim is actually assigned to the collection agency. Again, there is no outstanding debt owed to XXXX and as such XXXX has not assigned a collection account to ACI for collection. As such, this is a clear violation and I am entitled to {$500.00} for each violation in the total amount of {$1500.00}.
Consumer complaint received 2021-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (TX)

Original Creditor - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed my delinquent account with MCM ( Midland Credit Management XXXX collection agency. 

Midland Credit Management keeps reporting my account as delinquent every 7 days on all 3 credit bureaus. I have disputed this repeatedly and they are still reporting the account as delinquent every 7 days. I do understand that my account is delinquent and the account will be satisfied. 

Midland Credit Management is violating my rights under the FCRA by reporting the account delinquent every 7 days instead of every 30 days as a collection account. 

Midland Credit Reporting Dates to all 3 bureaus : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 Midland Credit Management XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX