davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

Portfolio Recovery Associates, LLC has not provided validation of debt to date concerning the accounts held at their company in my name. They are reporting inaccurate information to three credit bureaus. They claim to have verified the debt however I have requested that they " validate '' the debt. Validating the debt is different. I have requested specific information. In addition, they are not licensed to collect debts in the State of Georgia.
Consumer complaint received 2021-10-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA (CA)

On XX/XX/XXXX, I requested Pennsylvania Higher Education Assistance Agency ( FedLoan ), to present the outcome of a pending manual review to determine if five of my payments toward my federal student loans qualify for the Public Service Loan Forgiveness program. These payments were made XX/XX/XXXX - XX/XX/XXXX. 

I have yet to receive any communications from FedLoan on the outcome of a manual review of the payments made in XXXX. It has been nearly 10 months since I have inquired about the results of this manual review with no response on the outcome or a timeline when it will be completed. These payments were also listed as " pending manual review '' for Public Service Loan Forgiveness for at least a year before I formally inquired to the status of this review. 

On XX/XX/XXXX, the latest communication from XXXX, Customer Service Associate for FedLoan Servicing, was : " Unfortunately, since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. We do not have an estimated time of when this review will be completed on your account. '' I do not find this response acceptable after nearly ten months of inquiries regarding loan payments made over a decade ago. I would like to know the result of this manual review.
Consumer complaint received 2017-11-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (KY)

On XX/XX/XXXX my car was repossed by Ally Finance, I wanted my car back so on Monday XX/XX/XXXX I called redemption department to find out what I needed to do. I was behind 2 months and late charges. They told me how much I needed to pay to get it back, that was {$1800.00}. I did what I needed to do, borrowed the money paid by XXXX XXXX on XX/XX/XXXX. They received the money and everything was released on XX/XX/XXXX. I asked about making the XX/XX/XXXX payment, which was due on XX/XX/XXXX. The gentleman told me to send it by XX/XX/XXXX and send with XXXX XXXX or XXXX XXXX so they would get it on time. I sent {$350.00} by XXXX on XX/XX/XXXX for same day delivery. The following week I started to get rude phone calls about not paying the XX/XX/XXXX payment. I explained I had paid and gave them the reference number from XXXX but they could not find it. I called the redemption department again, asked about the XX/XX/XXXX payment was told yes they received but could not understand why it had n't been posted, this was XX/XX/XXXX. I now have a late charge of {$17.00}. 
Spoke with XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX in redemption, both found payment and sent to escalation to be posted. Still getting phone calls and being told I did not make the payment plus a late fee. They even asked if I wanted to make a payment arraingement. Ally told me I should have paid on online or called the payment in but they had shut down my online account and at the time the {$1800.00} had n't posted. It posted on XX/XX/XXXX. I then started calling XXXX, XX/XX/XXXX, to check on transfer. XXXX saw where Ally received the payment, could not understand what they did with it. Was transferred to the problem dept where they checked for correct account number, my name, where it went, and the receiving code, everything was correct. XXXX with XXXX, was going to contact Ally about why they did not post to my account and to call back in about 5 days. XX/XX/XXXX, called XXXX was told retransferred the money to Ally and saw they received it again. Called Ally, spoke to XXXX, still cant see it, then was told the reference number she had was an incorrect number and that the XXXX agent gave me wrong number. The number was computer printed with all my info listed and XXXX can find it, so did Ally redemption dept. I called XXXX again, spoke with XXXX who checked all my info again and said that it was all correct. He was going to email Ally again to get this cleared up. 
On XX/XX/XXXX I made XX/XX/XXXX payment but it was applied to XX/XX/XXXX so I am still behind and now have another late payment. 
At this time I have 2 late fees of {$17.00} and still 1 month behind.
Consumer complaint received 2022-09-09
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. (CA)

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 


XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1600.00}.
Consumer complaint received 2022-09-09
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. (GA)

In accordance with the Fair Credit Reporting Act, my rights has violated. 
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 permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX
Consumer complaint received 2023-01-09
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: AMERIS BANCORP (GA)

Regarding the above mentioned loan ( loan # : XXXX ), the mortgagors, XXXX XXXX XXXX and XXXX XXXX XXXX, are currently under an active forbearance which was effective starting XX/XX/XXXX through XX/XX/XXXX. However, as of XX/XX/XXXX, you, Ameris Bank, have reported to the credit bureaus that both mortgagors are delinquent on this loan which is totally and completely incorrect. Per the forbearance agreement dated XX/XX/XXXX ( which has been signed and returned back to your loss mitigation department ), it states that This is an Approved Forbearance Agreement with suspended monthly payments of {$0.00}, from XX/XX/XXXX through XX/XX/XXXX. In addition to this, the mentioned loan is a government backed loan and in accordance with the XXXX XXXX XXXX, the status of our account will be preserved throughout the forbearance period. The Ameris Bank XXXX states exactly Please be assured that if your account was current at the time the forbearance began, we will continue to report your account as current throughout the forbearance period. The referenced loan was in fact current and up to date prior to the time the forbearance was accepted. Based on these facts, the agreement between the mortgagors and Ameris Bank, as well as the XXXX XXXX XXXX, a delinquent report should have never been made against the mortgagors credit. The mortgagors on this loan, XXXX XXXX XXXX and XXXX XXXX XXXX are requesting that any and all delinquencies reported to credit reporting agencies be corrected and removed immediately as this is a breach of contract and has a negative impact on our credit.
Consumer complaint received 2017-11-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc. ()

I had opened a Coinbase account in 2015, when I was residing in the US and stopped using it that same year. My email account used for login and 2 step verification was deleted, so I lost access to my Coinbase account.
When I first contacted Coinbase to recover my account based on my personal information, they sent me an automatic message saying that they were having a heavy load of issues to solve, and giving me a list of links to try to solve my problem.
The only way for me to recover my account at this time is by contacting an actual customer service agent, who will look at the new account I created, and the documents I submitted for ID verification, and to link both of those accounts so I can recover my bitcoins.
I have been contacting them every other day for more than 3 months and got absolutely no answer from an actual person.
I need these Bitcoins back. This is my money we are talking about, not some joke.
I would appreciate some help, if possible.
Consumer complaint received 2017-11-14
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

I have been a Bank of America customer since 2009, with just one checking account to my name. 
I recently noticed two fees in the amount of {$12.00} each for the months of XXXX and XXXX. I contacted Bank of America to inquire about the fees, and they claim that they changed their policy to charge a maintenance fee to " be fair to all customers ''. The bank claims that I received the notice of the policy change, but going back to check electronic statements on Bank of America 's own website, I see that they did not, in fact, send me any such notice.
Consumer complaint received 2021-06-26
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Neon Newco Corporation (WV)

We received a {$500.00} prepaid netspend card as a gift. This card is asking for a copy of ID, a current bill and SSN to prove identity. This is not how this card is advertised. It is clearly a way for them to hold on to money. They are affiliated with XXXX and XXXX, both places have absolutely nothing to say about them. I called XXXX  they said they can't do anything at all. If you call one of the numbers they have for customer service ( not the one the card - XXXX ) and try to leave a message it hangs up on you. You can easily get ahold of someone at any hour to purchase a brand new one of these cards but to get in contact with customer service you must wait for their business hours of XXXX to XXXX ... I don't think all this could make it anymore suspicious or obvious what this company is in it for. I can't imagine anyone wants to give very personal information and documents to a company with VERY low reviews.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Santander Consumer USA Holdings Inc. (TX)

Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by SANTANDER CONSUMER USA # XXXX is inaccurate and incorrect as you can see on the attached letter dated XXXX/XXXX/XXXX which states : Santander Consumer USA Inc. recognizes the above referenced account as paid in full on XXXX/XXXX/XXXX The information on my credit report is inaccurately stated and reported by Santander Consumer USA, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated XXXX/XXXX/XXXX by Santander Consumer USA details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( XXXX ) - Item Being disputed ( XXXX ) - Letter by Santander Consumer USA dated XXXX/XXXX/XXXX
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC. (FL)

I went to the dealership with my own financing, there was no need for them to pull my credit and i did not authorized the to do so. the sales person told me they just need it my social for identity purpose and for only that reason and they were not to pull my credit but they did. I talked to the Finance Manager and he said that it was a soft pull and not to worry, but he liad it was a hard pull and it shows on my Equifax credit report. I believe that this is a wrong way of doing businees and misuse of peoples personal information with out authorization. This business is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, FL XXXX.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (TX)

Good afternoon, I was looking over my credit report last month and it 's been over 49 days that I have contacted Equifax and XXXX via USPS to inform them that there are several inquires on my credit report are NOT mine. I am very dissapointed that action had not been taken to remove these items.
Consumer complaint received 2017-11-15
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc. (NY)

My bank Caliber Home Loans was reviewing a short sale last month and as of this month they have changed their policy and are no longer willing to review a short sale. I have an offer for the full amount they were asking for at the time when they were reviewing the short sale but now they will not review it.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. ()

ON XX/XX/XXXX I WENT TO XXXX AND XX/XX/XXXX I WENT TO XXXX TO LOOK AT CARS. I NOW HAVE XXXX HARD INQUIRIES ON MY CREDIT REPORT. 
I HAVE BEEN TOLD BY THE CFPB THAT RELATED INQUIRIES MADE WITHIN 14 DAYS WILL COUNT AS XXXX INQUIRIES. THIS SHOULD MEAN THAT I SHOULD HAVE XXXX INQUIRIES, NOT XXXX.. THAT IS NOW LISTED ON MY CREDIT REPORTS. THIS IS UNACCEPTABLE AND PREVENTING ME FROM GETTING MY PRE-APPROVED HOME LOAN APPROVED. I HAVE A VERY LIMITED AMOUNT OF TIME TO HAVE THIS CORRECTED TO PREVENT LOSING MY HOME. 
I WOULD APPRECIATE YOUR PROMPT ATTENTION TO THIS MATTER.
Consumer complaint received 2017-11-15
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: FC HoldCo LLC (OH)

I went to XXXX of XXXX in Ohio. I was interested in a vehicle they had there. When it came down to buying a vehicle I told them to run my credit one time to see if I could get approved if I could n't get approved from that one time pull then I was n't interested. So instead they sent it to 5 different companies to pull without my permission. I would like these taken of asap. I did n't authorize it.
Consumer complaint received 2023-01-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation (TX)

I received a notification regarding a new collection account on my credit reports. I have had identity theft issues. This debt was already dismissed in XXXX XXXX because it is not mine. Now they have sold it to a debt collector. I've disputed this item, they did not send me any of the requested proof of debt under 609.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I wrote a letter to XXXX Credit Bureau to correct errors that were on my credit report. The status letter that I received in the mail was that the information on my credit report was updated. Which this is incorrect, because I do n't owe this company below : XXXX XXXX So I called the credit card company and spoke to a rep by the name of XXXX and she informed me that my account was indeed closed and that I do n't use any money to their company. I asked her if they could update the credit bureaus stating my account has been closed and put in a positive account standing. She informed me that they could n't do that. This is really hindering me from purchase a home and it needs to get credit. My credit score is being effected because of this.
Consumer complaint received 2017-11-15
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: Equitable Acceptance Corp (FL)

I was contacted by a third party company promising to reduce my student loan debt or even erase it for a fee of {$1300.00}. Name of the company is Equitable Acceptance Corporation and the account was opened on X/XX/2017. They have not even contacted XXXX or provided any type of service that they have promised to provide. I would like to not have to pay this scam company any more money and get it taken off my credit report.
Consumer complaint received 2017-11-15
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. (NC)

Consumer has reached out to Equifax on several occasions in order for Equifax to remove erroneous information that should not be reporting on this consumer 's credit report. 
On XXXX XXXX, 2017 the Debt collector XXXX XXXX, XXXX withdraw all accounts from this Consumer 's credit report. 
As of XXXX XXXX, 2017 ) today ), Equifax continues to report this erroneous information despite having this information from the Debt Collector. 
Equifax is uncooperative and refuses to remove this negative account which is causing this consumer great harm. 
Equifax needs to remove this account ACCT # XXXX, IMMEDIATELY form this consumer 's credit report and any accounts originating from this account.
Consumer complaint received 2024-03-31
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: JPMORGAN CHASE & CO. (OH)

On Friday, XX/XX/year>, I was contacted by a collection representative from Chase Bank about two old credit card accounts. Both accounts are out of the statue of limitations in Ohio and both accounts were improperly opened and used by my ex wife without my knowledge. She was in charge of the finances and recently I found out that she opened numerous credit accounts in my name ruining my credit. We are now divorced and due to the time period being out of statue of limitations the police would not even take a report. 

Chase was previously provided all this information but still pursue which is frustrating to me. 

The representative was trying to collect the debt and i advised them again of this information and the fact that it is out of the SOL and they said we wont sue you and then proceeded to offer a settlement. When I told him I could not afford the settlement he was offering. He told me that then my case will be sent to the pre-litigation department for further action. This is a threat and an insinuation that I will be sued when they know they cant do so in order to try to get me to pay. This is a violation of the law and I could sue Chase for this and win, but I just once this to go away as I didnt open or benefit from these accounts. 

I do wonder how many other consumers they have threatened with litigation when they know its out of the statue of limitations?
Consumer complaint received 2017-11-15
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. (OH)

I contacted Transunion about inquiries on my report that were n't authorized by me. I also contacted Transunion about a glitch in their reporting that removed inquiries and they replaced them my report without giving me notice in the mail 5 days prior as they should.
Consumer complaint received 2021-07-01
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: TD BANK US HOLDING COMPANY (FL)

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft TD BANK N.A. 
Account Number : XXXX This is not mine.

2. Identity Theft TD BANK N.A.

Account Number : XXXX This is not mine. 

3. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The status is incorrect for the following account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The status is incorrect for the following account XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The status is incorrect for the following account XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. The status is incorrect for the following account JXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.