davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

I received one notice about a late payment from AES/PHEAA. My student loan had been in deferment, plus I was under the impression that government student loans were to be automatically deferment until XX/XX/2020. I checked online and AES showed a payment owed of {$50.00} was past due and there was interest and fees. I paid them {$500.00} on XX/XX/2020, well over what they were asking for. Their account statements showed they removed my deferment from XXXX (? ). I called them and was able to speak with someone on XX/XX/2020 at XXXX. The representative stated that they removed the deferment because even though this loan was service by the ( a state government agency ) that it was owned by a private lender ( a bank ) and that it does not count towards the federal CARES Act. I asked about credit reporting and COVID-19 options with this student loan and the representative explicitly told me that no negative reporting was done for this student loan and that the account was showing current and paid, with no payments being due for a few months. I was very specific with her about the credit reporting and that I didn't believe this was right with not being treated like all other government loans under the CARES Act. She assured me again that everything was showing paid and current, and there would be no negative credit reporting. Today I have viewed my credit reports because my score has dropped 70 points, and it is because AES has reported negative information to my credit for a missed/late payment. I have filed dispute with each of the credit bureaus seeking that this information be removed per what the representative told me. I believe AES is using very deceptive practices here, especially during a time where the CARES Act was specifically put in place to help those with government student loans. My other government loans have are owned by banks/serviced through other entities other than the Department of Education, but they are still GOVERNMENT LOANS. They don't just get disregarding because a lender is servicing them. I want this negative reporting showing for the month of XX/XX/2020 removed from my credit report. This is not the first time in my history with this company where they have done this. In the past, they have also " lost '' payments I've made, or incorrectly applied my funds then have tried doing the same or disqualifying me for interest rate reductions, etc. Because I want nothing else to do with this company, today I requested my loan payoff amount, which is {$1600.00}, and I paid this amount in full to AES today XXXX. I am requesting that AES/PHEAA remove their negative reported information from all three credit bureaus immediately. 

Thank you, XXXX XXXX
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP (MS)

I received a letter from Elan Financial Services stating I applied for a XXXX Credit Card and since they were unable to verify my identification info they werent able to approve the application. When I searched the toll free number listed on the letter XXXX. Tons of fraud and scam info came up immediately for that number. I am not the only one receiving some kind of inquiries from them. They did manage to get my XXXX XXXX from XXXX XXXX they included a additional letter with my XXXX XXXX and credit information. The date of the letter is XX/XX/2021. I also dont see a bank listed and bc I did apply for a consolidation credit card I am uncertain about this being legit after reading the complaints I online. Thank you
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc. (PA)

I received a notice of collection placement letter from EOS CCA, statement date XX/XX/XXXX for the amount of {$120.00}, original creditor XXXX, current creditor XXXX XXXX XXXXt XXXX. I called EOS CCA on XX/XX/XXXX to find out more because I don't recall having an account with XXXX. The EOS CCA staff told me to contact XXXX, and possibly file fraud via XXXX 's website. I called XXXX on XX/XX/XXXX, their staff can not find any accounts under my name. I went on identitytheft.gov and chatted with their staff for advice, and was told to first find out if the charge appears on my credit report, if not I should file a complaint with CFPB. I ran a credit report with XXXX on XX/XX/XXXX, did not find the charge, called CFPB hotline for advice, and decided to file a complaint online.
Consumer complaint received 2022-05-02
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX,, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX, XXXX XXXX  XXXX account XXXX XXXX, XXXX  XXXX account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Ref XXXX # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account XXXX XXXX, 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-01-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-12-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc. (MA)

I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2021-02-27
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: ENCORE CAPITAL GROUP INC. (OR)

Dear sir/madam, MIDLAND CREDIT MANAGEMENT has been reporting to the 3 credit agencies that I owe {$430.00} to them for an original creditor called '01 XXXX XXXX '. 

They have been calling me at home and work numbers several days per week harassing me about this money. I DO NOT owe them any money! And they are in the process of RUINING my credit. 

I have submitted a dispute via XXXX XXXX  but no response yet. I suspect this could be owed by someone with a similar name as mine. 

Please help! Midland Credit Management is ruining my credit with a BOGUS collection submitted to all 3 credit bureaus.
Consumer complaint received 2020-12-12
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. (CA)

I have sent numerous letters to Experian disputing the information that they are reporting. Everytime they come back as valid. I recently located the response letter from XXXX XXXX which debunks all Experians claims as the information is valid. I have tried over and over again for them to understand the information is not correct and they refuse to accurately research and confirm, they just run it and come back days later that its accurate. I have sent them information over and over again with no truthful results from them.
Consumer complaint received 2021-02-27
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Credence Resource Management, LLC (AK)

Credence Resource Management keeps calling asking for personal information ( ss #, birth-date, etc ) before the will tell me why the are calling. I have called back trying to get information without providing personal info. I asked that they send me a letter with details of the issue. They say they need me to verify my current address, I told them to mail to the address they have on file. ( we have had the same address for 35 years ). 

There is nothing on my credit report showing an issue and we do not carry a balance on any credit cards. 

I believe this is a scam and want them to stop calling.
Consumer complaint received 2023-04-06
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-05-02
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO. (PA)

Chase Bank refuses to properly validate that they were properly assigned both Note and Mortgage from XXXX XXXX XXXX  at the time of consumers dispute on XX/XX/2022. Consumer requests 3rd party audit on the account due to misrepresentation by bank.
Consumer complaint received 2021-12-01
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: CCS Financial Services, Inc. (AZ)

On XX/XX/2021 I was advised that the collection I had paid off did not get removed off my credit report. Before initiating the payment, I specifically asked if I would be provided with a letter of deletion. After being told yes, I continued on with making the payment back in XXXX. I waited a month or so before asking to speak with a supervisor in regards to this issue. She then advised she would pull the call and if it was advised that it would be deleted, she would then delete it and send me a deletion letter. After me having to call them back and not hearing from them, that supervisor refused to speak with me and had someone else tell me the call was pulled and that I was not advised I would get a deletion letter and was only told I would get a paid in full letter. I asked for the recording to be sent to me and they refused. I believe they are being unfair and untruthful. Can someone please help me? I am just trying to better my future for my family and I, this is the only thing holding me back.
Consumer complaint received 2020-12-12
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorize on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score.
Consumer complaint received 2020-12-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (VA)

Although the matter documented in the attached ( XX/XX/XXXX20 ) letter to Wells Fargo Senior Executive Vice President & Interim CEO of Consumer Lending ( XXXX XXXX XXXX XXXX was timely assigned to Wells Fargo Exec Office Case Specialist XXXX XXXX on XXXX/XXXX/20, I am yet to received the written response letter promised by same w/in " 10 business days '' from her XX/XX/XXXX20 email. 

I have now followed up w/ Ms. XXXX on 3 separate occasions ( including via telephone on XX/XX/XXXX and email on XX/XX/XXXX ), but am yet to receive the promised correspondence.
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (FL)

AFNI CONTINUALLY TRIES TO COLLECT A DEBT THE XXXX HAS STATED I DO NOT OWE I HAVE MADE THIS PLEASE OVER 6 TIMES FOR VALIDATION FOR 2 YEARS AND NO RESPONSE/XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX  : ( XXXX United States ) XXXX  XXXX. XXXX XXXX XXXX, PA XXXX XXXX  : ( XXXX  United States ) XXXX. XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attn : Consumer Services Department XXXX Name Removal Option XXXX XXXX   XXXX XXXX, PA XXXX Date : XX/XX/2016 AFNI RE : ALLEGED Account # Partial XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. 
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Consumer complaint received 2021-12-01
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL (PA)

I places an order on XXXX XXXX for a XXXX XXXX XXXX XXXX XXXX " White solid surface order # XXXX model XXXX item # XXXX for {$3500.00} credit discount XXXX shipping XXXX invoice XXXX XXXX tax total {$3700.00} on Friday XXXX XXXX. It arrived XXXX XXXX. 
It was on a palate with an opened box sitting on top of it to cover it. It not in a box just like a hat. 
I wanted to purchase a gold pop up valve and on XXXX website it was {$1500.00} on XXXX XXXX called XXXX XXXX and they directed me to XXXX customer service I called and explained as it was not discontinued or marked sale and spoke to XXXX XXXX who was in contact with her supervisor multiple times. I was on the call for an hour waiting, but her boss would not get on the phone. I told her i believe this was a mistake in the price advertised, but she was not able to come to the phone as she was going to investigate it and was to call me back. I explained I was unable to get anyone to install it until XXXX as Covid and no one could come. When unemployment was cut more workers now available. I called so many people all said Next year can not get workers. The XXXX supervisor never called me from online. I have the emails to XXXX which I attached from me and her email to me telling me her boss would reach out. My son called XXXX today when I told him what happened and they said they would email a case number which they did not.. My son called XXXX who said it was not supposed to be XXXX but that would be up to XXXX. A XXXX XXXX called me today from XXXX in XXXX just now after my son called today and said he can not do anything for me.
Consumer complaint received 2023-04-06
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. (WI)

See attached files....Exquifax Credit Bureau is in violation of my consumers rights. They are reporting fraudulent public record to my consumer credit report. This is
clear violations of my consumer rights under FCRA! According to Section 604 US Code 15 US 1681b credit reporting agencies do not have the right
to to report anything to my credit report without my written consent. I have not provided Equifax with written consent to report this record to my
credit report. According to Sec 605A 15 US Code 1681 C-1 states that without consent identity theft. According to Section 605B 15 US Code 1681 C2 states that if a credit reporting agency is notified that something on my credit report results from identity theft they are obligated to block and
delete these items immediately. I have made Equifax aware of this identity theft and they have refused to do their duty to remove this item from my
credit report according to the laws stated above. Please remove this public record from my credit report.
Consumer complaint received 2020-01-28
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1800.00}, {$37.00}, {$4100.00}, {$5200.00}, {$0.00}, {$320.00}, {$750.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5200.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$750.00} -This is not my account.
Consumer complaint received 2021-12-01
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (TX)

I am the non responsible spouse on the Mortgage. I have been and continue to be the only occupant of the home since XX/XX/XXXX. 

On XX/XX/XXXX, Amerihome, mailed a letter addressed directly to me. 

On XX/XX/XXXX, after receiving the letter addressed directly to me I contacted Amerihome at the number, XXXX to request a forbearance due to XXXX  impacted by COVID-19. At the time of the call the agent verified that I was on the account. During the call the agent informed me that the forbearance would be applied and I would receive a letter in the mail. 

On XX/XX/XXXX, after not receiving the letter, I called the same number ( XXXX ) to verify the forbearance was in place and to inform Amerihome that I had not received the letter. 

The name of the 1st employee I spoke with is XXXX XXXX # : XXXX. XXXX refused to provide any of the information I requested. XXXX stated he could not speak with me regarding the loan. I asked XXXX why would I receive a letter addressed to me if he couldn't provide me with the information I requested. XXXX repeated the statement that he could not provide me any information. I then asked XXXX who could provide the information and did he see the letter addressed directly to me. XXXX said he couldn't tell me anything. I asked XXXX for a contact for someone who could talk with XXXX said a manager could not call me because no one could discuss the loan with me and gave me a phone number to call. I dialed the number XXXX provided to learn it was bogus. 

I dialed Amerihome back at, XXXX on that call I spoke with XXXX XXXX # : XXXX. He informed me that he saw XXXX 's notes and he ( XXXX ) couldn't provide me with any information regarding the forbearance or the loan. 

On XX/XX/XXXX using the information provided on AmeriHome Mortgage website ( Legal information Doc ) i filed a complaint with the Department of Savings and Mortgage Lending and with AmeriHome Mortgage. I have not heard back from AmeriHome Mortage to date.

AmeriHome actions have put my home in jeopardy. I believe Amerihome is intentionally trying to force a foreclosure. Because of tAmerihome 's unwillingness to communicate with me I had to get Home Insurance without having any of the correct information from AmeriHome. I need this resolved now.
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (TN)

I was called on XX/XX/XXXX about a debt collection. When I returned the call I found out that they were trying to reach someone else but had the wrong number. I asked them to remove my number from their list and to not call me again. 
Today, XX/XX/XXXX they called again looking for the same person after I told them to remove me from their list because they have the wrong number. I'm tired of being harassed for someone else 's debt. They keep looking for a XXXX XXXX, and I am not him.