davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (MO)

Predatory Student Lending, Request Student loan Discharge and Forgiveness. 

Request to have student loan discharged or Forgiveness. 

I believe the XXXX XXXX XXXX practiced Predatory Student Lending. 
I sent this information XXXX ( see attached letter ) to the Department of Justice in an attempt to get assistance with raising awareness of this schools inhumane practice of getting students to sing up for their classes and then leaving them in student loan debt due to sub par Classes and training. 
It has been brought to our attention that this school is no longer open. In fact the schools have all but closed due to its misrepresentation to offer a degree and paying job to match its high tuition. There are a few left, but the mail ones from XXXX, XXXX and XXXX have closed. 
The only number to call and speak to anyone and they dont offer any options to gather transcripts is other than email. There is no one to speak at XXXX XXXX about this situation. 
I have sent my email request to : from : XXXX XXXX XXXX to : XXXX date : XX/XX/XXXX, XXXX XXXX subject : I need my transcripts please mailed-by : XXXX I await a response, here is the info from the website. 

Transcripts We have processed XXXX transcript requests to date and have an additional XXXX being processed. If you need transcripts but have not ordered them, please check back on this page after XX/XX/XXXX for instructions on how to do so. If you have an emergency ( i.e. a licensure deadline, a deadline for a company hiring you, etc. ) you may send a follow-up email to XXXX.
Consumer complaint received 2020-01-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Avadyne Health Holdings, Inc (IA)

H & R Accounts located in Illinois and Iowa are refusing to take my paid debt off my credit report. I disputed it with credit reporting agency and H & R is  still refusing to take it off. When I call asking if I owe I am told that I do not. When I ask why the account is still on my credit report I was told that they did not have to remove it due to being medical debt.
Consumer complaint received 2021-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I have submitted various complaints about a bankruptcy that is appearing on my credit report. I have asked for an investigation and it comes back verified! How is my bankruptcy being verified with XXXX XXXX when my XXXX XXXX is frozen and suppressed? This information is inaccurate and misleading. According to the FCRA there is no public records and I have a letter from the bankruptcy court stating they do not verify with the bureaus. It is a violation of my consumer rights to have my private information reporting without my written consent.
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: MCU Holdings, LLC (MD)

On 2019-XXXX, I was contacted by MCU Holdings. As I was driving, I advised them to contact me by email and that I would not talk on the phone longer than necessary. 

On the same day, I received a document via the 3rd party website XXXX. the document states that it is an attempt to collect a debt, but it does not contain notice of my right to dispute within 30 days, nor does it mention anything else about the Fair Credit Reporting Act. The notice also only identifies me by name, not a more authentic identifier such as SSN. Because of this, I suspect the legitimacy of the claim.
Consumer complaint received 2017-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (AR)

In reviewing all three of my credit reports, I noted that a tax lien that contained erroneous information was on all three reports ( XXXX, XXXX, Equifax ). I wrote to all three agencies, and XXXX and XXXX immediately the erroneous information from my consumer report. <P/>However, Equifax " verified '' the erroneous information as correct. However, Equifax did not abide by the FCRA by going to the source of the alleged erroneous information, instead they went to their business partner, XXXX. <P/>In other words, Equifax simply used its own records to verify the erroneous information. <P/>See, XXXX XXXX XXXX XXXX As there is no dispute Equifax and XXXX are in a partnership, as they released the above press release. <P/>In an effort to resolve this prior to the FCRA complaint I will be filing, I sent another letter to Equifax asking them to please abide by the FCRA and complete a " reasonable investigation '' This letter was completely ignored. I even asked Equifax to run my name, XXXX XXXX through XXXX, to show I was serious and was still ignored. <P/>I have retained XXXX XXXX XXXX and they are preparing the FCRA complaint. As the FCRA allows for punitive damages for a willful violation, I am filing this Complaint, which I expect Equifax to ignore. <P/>I under the CFPB can not represent me, but a punitive damages award against Equifax will help all consumers, because if Equifax will violate the rights of a consumer that clearly will litigate, there is no telling how they are treating less informed consumers. <P/>Thank You
Consumer complaint received 2021-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (TN)

Hello : I have been working on my credit for several years and have a decent credit score, however, anytime I use more than 30 % of my credit card limit, XXXX XXXX and Experian will instantly lower my score but they do not instantly raise my credit score when I payoff and/or pay down my credit cards. It typically takes 30-60 days to increase my credit score after I payoff or pay down my credit cards but the credit score decrease is instant. And the decrease can be anywhere from 5 to 10 points or more. I do not believe this is far and puts my credit at a disadvantage. If I want to apply for new credit I have to wait 30 to 60 days for my score to increase but again the decrease score is instant. I have been watching this as a pattern for the past 5 years. I am certain that I am not the only one that this is happening to. Why do they do it? If they can instantly lower a score, why can't they instantly raise a score? Why is there a delay for an improvement in credit? Who benefits from this? I can not say if XXXX  does this as I do not have a service, nor know of one, that I can monitor XXXX  daily.
Consumer complaint received 2021-09-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

Paypal case ID : XXXX Paypal close my dispute case with reason that item delivered when the tracking shows its returned to the shipper. 
The tracking number is the same tracking number paypal provided. 
I made a complain to PayPal but instead of being responsible and admit their mistake and refund me. 
Paypal block my account and i cant use it anymore. 
This is clearly unethical and its a fraud attempt.
Consumer complaint received 2022-08-11
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. (FL)

In accordance with Fair Credit Reporting Act, the following Accounts Have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A . States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CO)

I received a call from XXXX left a message regarding a complaint forwarded to there office and pending actions against me failure to contact will result in a final decision without my consent. Phone number to contact is XXXX ref # XXXX When I called not knowing it was a debt collector the person stated that it was for an old account that has reached it's statute of limitation but that I could be sued to collect such debt. They gave me my SSN and my address in XXXX, CO the debt collector is in CA. They stated that I opened a bank account with Bank of America on XX/XX/XXXX - XX/XX/XXXX and owed Bank of America money. I informed them that lived in XXXX, CO and during the dates mentioned Bank of America did not have any local branches. Furthermore, I have never had a Bank of American account nor did I owe any money to this entity. They proceeded to inform me that since I did not acknowledge the debt I would be sued. I would soon be served with a court summons. I attempted to locate the name of the debt collector in the CA secretary of state but I could not. I called the debt collector and they gave me an entity number. listed as XXXX XXXX XXXX WHICH WILL DO BUSINESS IN CALIFORNIA AS XXXX  - XXXX XXXX XXXX
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (FL)

XXXX XXXX failed to properly submit student loan documentation causing student loan to fail to be approved when it should have been. This failure by XXXX caused cancellation of enrollment. After cancellation, XXXX fraudulently charged a " technology fee '' which their attached letter states " Designates CHARGE not yet due ... This bill does not reflect pending financial aid. '' The XXXX letter also states " Previous Balance : {$0.00}. Current Balance '' {$0.00}. Amount Due {$0.00}. '' However, after XXXX XXXX failed to properly process the Financial Aid application and enrollment was cancelled, it properly canceled the " Future Balance : {$1700.00} '' and increased its phantom " XXXX XXXX Fee {$150.00} '' to {$180.00}. XXXX University and its unethical collection agency are inaccurately reporting to the credit bureaus that {$180.00} is due when no money is due after XXXX XXXX 's failure to process the financial aid package which directly resulted in the cancellation of enrollment in the XXXX Fall Semester and all subsequent semesters.
Consumer complaint received 2022-01-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMCOL Systems, Inc. (MI)

Amcol has committed Aggravated Identity theft in pursuant to Federal Law 18 USC 1028a uses, Without lawful authority. 
Along with many other Federal violations under the FDCPA. According to 15 USC 1692g the consumer has a right to validate an alleged debt. 
On XX/XX/XXXX I sent out a validation letter via certified mail to Amcol, after seeing a collection for an alleged medical debt furnished on my Consumer report XX/XX/XXXX XXXX XXXX signed for the certified mail. 
On XX/XX/XXXX I received an alert from XXXX that Amcol System Inc. flagged my account with a collection on XX/XX/XXXX, without validating the alleged debt after receiving the validation letter and still marking it as collection but failed to send me the audit trail so I can exercise my rights as a consumer by validating the alleged debt. I also called XXXX Today XX/XX/XXXX at XXXX and spoke with XXXX XXXX he couldn't provide his last name but stated that he is on the XXXX  XXXX XXXX he then confirmed that the alleged debt start reporting in XXXX and XX/XX/XXXX Amcol System Inc reflagged it which caused me to get an alert. Amcol is still furnishing deceptive information on all my consumer report causing many damages. 
An identity theft report from the FTC will be attached.
Consumer complaint received 2019-02-20
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (MS)

They called me concerning someone I know account. I ask them not to call me any more and they keep calling. I don t owe this collection company. I am Ill and do not want them calling me again. It's not my account. I am not the owner of this.
Consumer complaint received 2020-11-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I noticed that my most recent credit report contains a late payment reported on XX/XX/2018 for my CAPITAL ONE, N.A. account. 
Because of my exceptional payment history over the last 11 years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payment was late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that CAPITAL ONE, N.A. is willing to work with me on erasing this mark from my credit reports.
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stenger & Stenger, P.C (IN)

Stenger and Stenger, XXXX XXXX, Michigan took me to court for a credit card bill and I asked for proof of debt and the case was rescheduled. They mailed me copies of page 1 statements with a noted balance along with a copy of a standard " XXXX XXXX Customer Agreement ''. When we went back to court they said they would send me statement of fraud forms to fill out which asked me to write my name out 5 times. I have been a victim of fraud several times. The instances have included, but not limited to, social security numbers and taxes on two different occasions and most recently someone attempting to forward a debit card belonging to me to Florida. In no way am I comfortable sending several copies of my signature to a company whose business it is to unscrupulously collect debt from consumers. This is against the law because it is the plaintiff 's burden to validate debt. The court is not enforcing this and they both have the upper hand because they know the law and I do not. It is my opinion that the court and the credit collector are using fear and intimidation tactics to unlawfully gain money knowing that I am a layman in matters of law. Stenger and Stenger are refusing to validate the debt and instead hoping that I will concede out of fear or be made to pay by the court because I have no way of disproving their claims.
Consumer complaint received 2021-07-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Orions Management Group, LLC (IN)

I am a consumer of the XXXX XXXX and Orions Management Group LLC is a debt collector attempting to collect a debt which falls under the FDCPA. I never gave written consent nor prior consent to OMG LLC to contact me at any given time or place as well as never giving them any of my information. The fact that OMG LLC has contacted me and also sent me statements to my home and cause my telephone to ring is indetity theft and fraud and a direct violation to title 15 chapter 41. Attached to this complaint is a cease and desist, affidavit of truth stating all the violations and harm Orions Management Group LLC has commited along with an invoice and Exhibits that was sent to the debt collector certified mail and green return slip on XX/XX/2021
Consumer complaint received 2023-03-27
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. (TX)

We have tried to get this issue resolved in XXXX of this year I have no knowledge of these items or inaccurate information as My information was impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I have solid proof your breach caused these false items to appear on my report. You are reporting negligently and inaccurately and failing to comply with the FCRA.
Consumer complaint received 2022-08-11
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: SYNCHRONY FINANCIAL (LA)

On XX/XX/XXXX I made a purchase from XXXX for a crypto mining machine in the amount of {$25000.00}! I charge it on 4 credit cards, 3 in the amount of {$5100.00} each and 1 for {$10000.00}! They never shipped my machine and told me on several occasions that the item was going to ship but never did! On XX/XX/XXXX I sent them a message to cancel the order! On XX/XX/XXXX I disputed the charges on all 4 credit cards! 3 of the credit card companies credited my credit card because the company never shipped the item to me! The XXXX card Synchrony Bank did not credit my card! I disputed the charges and went through 3 disputes with Synchrony Bank that were all turned down because the seller stated that the machine was shipped but was not and the seller did not show any proof that the machine shipped! Then seller stated that it was a special order, it was not! This machine has never shipped and the seller stopped communicating with me! 
This is a XXXX 's XXXX XXXX issued thru Synchrony Bank
Consumer complaint received 2017-11-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (AZ)

I have seen this incorrect information in my credit report several times over the years. 

I have never worked at XXXX XXXX XXXX in XXXX CA. 

Please remove that employment information from credit reports. 

Thank you
Consumer complaint received 2017-11-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MI)

My credit card, which I only use for Credit purchases, wiped out my entire checking account by stealing the mony in my checking account fraudulently. I never gave anyone permission to take funds from my checking account - ever. It has cost me over {$1000.00} in bank overdrawn fees, {$400.00} in late fees from my other vendors that the money belonged too. My credit is ruined.
Consumer complaint received 2017-09-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

please find attached the creditors letter for which they have approved of the delinquency to be removed from my credit reporting. 
i have already sent my request and the letter to three major credit bureaus, but they are not cooperating please have this inaccuracy removed from my credit reports thank you
Consumer complaint received 2020-07-10
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)

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.
Consumer complaint received 2020-11-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (UT)

On XX/XX/2020, I submitted payment in full on two credit card accounts with CitiBank and XXXX. It took 15 days and two phone calls to get them to acknowledge the payments. They have not, as of XX/XX/2020, reported the payoff of either card to the credit reporting bureaus. This resulted in CitiBank reducing my credit limits and lowering my credit score. When I tried to dispute it with them directly, they basically said tough nuggets, buddy, and refused to take any other action.
Consumer complaint received 2017-09-14
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION (FL)

I have had numerous issues with my account since its inception ranging from incorrect account information ( I have been placed on several accounts by NFCU reps. ) to inaccurate information about fees and charges. Prior to the hurricane Irma I had charges on my account of {$79.00} which I did not make which placed a domino effect on my account. On yesterday XXXX/XXXX/XXXX I contacted customer service per two pending payrolls that I saw per my NFCU app one was for {$4000.00} which is from my work direct deposit and the other for {$270.00} which is my XXXX daughter child support. I requested that the funds be released to me early due tot eh storm Irma 's impact on my personally which I was advised that if the funds were released to me early it would place my account into the negative. At this time there were already numerous {$29.00} return check fees on my account which amassed during the storm and my inability for deposits to occur since there is no branch of Navy Federal in XXXX XXXX XXXX FL. {$1000.00} of my money was released on yesterday and I ask if there were any other pending incoming charges which would result in fees and I was told " no '' this was not the case but this morning while logging on to my account additional items were indeed presented which normally occur on automatic draft around the XXXX of the month and these resulted in additional fees from Navy Federal. This could have been prevented with the full release of my funds as  requested. Additionally, I was told that my child support funds could not be released on yesterday but they were placed into my account and dissolved ( which should not have occurred ) on top of the {$1000.00} I placed int he account on yesterday to resolve any negative balance due to fees and overdraft which i have approved on my account to occur up to $ 500.As a victim of Hurricane Irma, a single parent with a disable child this matter is placing undue financial hardship and emotional stress on me.