davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-08-18
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: AES/PHEAA (CO)

In XXXX of XXXX, I missed payments to FedLoan. Throughout XXXX, my payments were {$0.00}. I was unaware I needed to submit a new income form in order for my payments to be recalculated. In XXXX of XXXX, I was emailed from a credit monitoring company saying I had missed 45 payments ( 15 loans missed for 3 months ) and my credit had been drastically impacted. When I called FedLoan, they stated they tried to call me XXXX on a phone number that was changed 3 years previously & the new number was on all loan documentation ) and that they tried to email me ( but customer service said they could not see the actual email & upon checking my junk mail and trash there was nothing ). They did not attempt to send me anything in the mail. They broke the law by not informing me I had payments due and it has destroyed my credit for years. I hired a law firm to fight it, have filed multiple disputes with credit companies, and every customer service person through fedloan has agreed that I should file a complaint explaining the loans were fixed once I called & explained the situation. But it has not been taken off of my credit. I filed three internal credit appeals with FedLoan, countless appeals through XXXX XXXX & XXXX to no avail. I paid over {$1000.00} for XXXX XXXX to file appeals to FedLoan over the course of at least a year to no avail. As a last resort, I faxed a letter of good faith a few weeks ago explaining the situation & was again denied by FedLoan. They broke the law by not contacting me.
Consumer complaint received 2020-10-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc (FL)

On XXXX XXXX, I contacted Hunter Warfield regarding alleged debt of {$380.00}. I wanted to take care of the alleged debt because item was affecting my credit score because its hurting my chances to buy my XXXX XXXX. I paid the alleged debt in full and have receipt to prove it which will be attached to this complaint. The customer service rep stated that once I paid alleged debt in full that they were going to fully remove negative information off my report.
Consumer complaint received 2020-04-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (GA)

On XX/XX/XXXX or XXXX, 2020, a " Hard Inquiry '' was made on my credit to XXXX by JPMCB Card Service. I did not authorize any such request. I have asked no businesses or people to make any inquiries. I have no interest in getting any new credit cards ( services ). - I have filed a complaint with the XXXX County Sherriff 's Office ( case # XXXX ) - I have frozen my credit with all three of the major credit bureaus - I have tried to contact JPMCB Card Service ( and had no luck getting any real answers or help/guidance ) - I have contacted XXXX, but have no luck getting any real answers or help/guidance ).
Consumer complaint received 2022-04-08
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 the Fair Credit Reporting Act the following companies listed below have violated my rights as a consumer. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 SC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 

There must be written instructions by me to have anything written on my credit report and I never gave that authorization. 

ACCOUNTS : XXXX. XXXX XXXXXXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX. XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-02-07
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. (FL)

these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-07-24
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

After 10+ years as a loyal customer, Bank of America suddenly closes our accounts and won't give us a reason, other than " is a business reason ''. And now is holding our money XXXX ( aprox $ 10k ) and we can't pay our bills, it won't tell us when they're releasing the funds. WE CAN NOT WAIT, WE HAVE BILLS TO PAY. 

On XX/XX/XXXX we get a letter about the closure of the accounts. I'm XXXX XXXX and sole breadwinner of my family, I'm a law abiding US citizen and Bank of America is treating me like a criminal. 

I suspect the reason is that I am the child of a foreign PEP ( politically exposed person ) from a XXXX American country, because my sister had her XXXX account investigated, my parent filled out a questionnaire and that's it, her account is still in good standing. I believe BofA actions are racially discriminatory in nature, they're treating me like a criminal. 

Why would BofA close my accounts in good standing without first questioning? I'm XXXX and all my income is from XXXX  care corporations, why close my accounts? 
Why not release the funds right away when I went to the branch so that I can pay our bills?
Consumer complaint received 2020-10-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAVALRY INVESTMENTS, LLC (AL)

This company has filed a civil suit during a global pandemic. I was unaware of any legal actions until receiving a letter in the mail from a family member. the papers were electronically filed. According to the letter a judgement was ruled against me, without notice. My family members have been contacted and threatened that actions may be taken on them to leverage a response from me.
Consumer complaint received 2020-10-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

On XX/XX/XXXX I received notification from XXXX that one or more of my identity monitoring services had a new notification. Upon investigation, I found that XXXX XXXX  in XXXX MS had initiated collection services for a loan account opened with them on XX/XX/XXXX, Acct # XXXX. I contacted XXXX XXXX  by phone on XX/XX/XXXX to inquire about the loan and found that it was an account opened by a family member who used my personal information to open a joint account without my permission. XXXX XXXX  requested that I submit a request to have my name removed from the account. I submitted such request by e-mail on XX/XX/XXXX. XXXX XXXX responded on XX/XX/XXXX requesting that I dispute the account through TransUnion to start the investigation. I submitted the dispute through TransUnion on XX/XX/XXXX and received a reply on XX/XX/XXXX stating that the dispute had been verified as accurate. I again corresponded with XXXX XXXX  on XX/XX/XXXX asking why they wanted me to initiate a dispute through TransUnion if they were simply going to verify the account as accurate. I have no confidence that XXXX XXXX  will act responsibly to resolve this dispute. They are giving me the runaround while negatively affecting my credit profile. They never verified with me that I was joint on a loan. Nor I have ever received any correspondence from XXXX XXXX  concerning this account. XXXX XXXX has failed to act responsively concerning this matter.
Consumer complaint received 2018-07-24
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (IL)

On XX/XX/XXXX I pulled my credit report from credit check total. To my surprise I stumbled upon 3 Bankruptcy Accounts reporting in public records. So I wrote a letter to the Bankruptcy Court In Illnois informing them of the inaccuracies of these accounts reporting on my credit file. And on XX/XX/XXXX The Bankruptcy Court Of Illnois informed me that they do not provide information to the credit bureaus. So on XX/XX/XXXX I wrote to all three credit bureaus informing them of the letter I received from the  Bankruptcy court of Illnois stating they do not furnish information to none of the three 3 credit bureaus. And on XX/XX/XXXX XXXX removed all 3 Bankruptcy accounts from my credit file. I recently checked my credit file an seen that XXXX had removed the Bankruptcy from my credit file between XX/XX/XXXX and XX/XX/XXXX. And then XXXX added the bankruptcy back to my credit file between XX/XX/XXXX and XX/XX/XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify e in writing within 5 business days. I received no notification. This is a very serious violation for XXXX. Experian have yet to respond to my letter I sent certified mail on XX/XX/XXXX in which certified mail states they received my letter XX/XX/XXXX. I herby demand that you immediately delete the items from my credit report. Bankruptcy Reference # XXXX Bankruptcy # XXXX Bankruptcy # XXXX
Consumer complaint received 2019-06-01
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION (VA)

I have a private studet loan with Sallie Mae which I have always made on-time payments. Unfortunately, in XX/XX/2018 I had to leave my job and relocated to Virginia to take care of my elderly mother. I spoke with a Sallie Mae representative in XXXX in regards to me being unable to make my monthly payments at this time as I was unemployed and re-enrolling into school. The Sallie Mae representative told me I could only put my loans in deferment by paying {$150.00}, which I dont have, and that the payment would NOT be applied to the principle or interest of my loans. The representative also told me to go online and mail or email the paperwork stating I was back in school to defer my loan repayment. At the end of XXXX/early XXXX I printed the form off from their website emailed AND mailed it to them. It is now XXXX and they have yet to put my loans into deferment.Sallie Mae calls me mutiple times everyday, from sun up to sun down, requesting payment even after Ive asked them to stop calling. Ive asked that all contact be written either via email or mail, but have not received anything from them. Ive done what I was supposed to do as far as alerting Sallie Mae of my unemployment, school enrollment, and completing their required documentation. I am not sure what else I can do at this point. Please help.
Consumer complaint received 2023-03-04
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC (CA)

( CA ) RENTAL-PURCHASE AGREEMENT LEASE NO : # XXXX LEASE DATE : XX/XX/2023 I have reason to believe Acima Leasing is in violation of several laws under the FDCPA. 

Violation of FDCPA XXXX ( 1 ) in the attempt to collect an amount greater than the principal of the actual lease agreement. 

Violation of FDCPA XXXX ( 1 ) by using deceptive practices to state in the leasing agreement that I ( consumer ) previously agreed on applications terms and services on a SEPARATE agreement with no proof of a wet signature. 

Violation of FDCPA XXXX ( 2 ) as shown in the disclosure table of the original agreement with the total payments and cost of rental are evidence to this claim and the alleged financial details of the debt owed through the lease. Acima is using false and deceptive means to claim that an amount of {$3200.00} that is not the principal amount owed. 

Violation of FDCPA XXXX ( 2 ) by falsely claiming rent payments of over 27 months.
Consumer complaint received 2023-04-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC (GA)

I received a notice from LCA SERVICES on XX/XX/XXXX in my mailbox. I have a scan from USPS Coming to my mailbox every day that shows pieces of my mail. I contacted the phone number at XXXX XXXX XX/XX/XXXX declared this was not my debt and that I needed to see an itemized breakdown of this supposed debt. I was told I would receive one in five business days. On XX/XX/XXXX when I did not receive such statement I called again and was told the company submitted the day before, and it would be mailed out the next day as of XX/XX/XXXX. I have not received anything from LCA services regarding the breakdown of suppose a debt from XXXX XXXX XXXX, who also started an eviction against me for the a different amount, dismissed that case and then started another, which has now into a civil suit since they have over $ XXXX in damages against me as a tenant. LCA Services uses multiple business names which is also misleading and deceptive in nature. At this point, it feels like discrimination and harassment
Consumer complaint received 2022-08-13
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: EVERBANK, NATIONAL ASSOCIATION (FL)

I have a CD with TIAA Bank, XXXX XXXX XXXX XXXX, XXXX, FL XXXX The maturity date was today, XX/XX/2022. On XX/XX/2022, I gave online instructions to close my CD on the maturity date and deposit into my money market account. That has not been done. I noted that they say it can take 3 business days in order to give me my money. Since it matured on a Friday, I am penalized with the week end and it will take me close to a week ( if I am lucky ) to receive my money. Is this legal? Are they in financial trouble? To make matters worse, my CD will now be earning XXXX while their money market account XXXX. 

Please let me know if they are permitted not to honor the terms of the certificate of deposit that matured today.
Consumer complaint received 2020-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Consumer Collection Management. Inc (MO)

A medical billing company mistakenly sent a debt of {$290.00} I did not owe to a debt collector. The sent a notice informing the debt collector that I do not owe the debt on XX/XX/2020. On XX/XX/2020, the debt collector sent me a notice for collection of this debt anyway. Tried to contact the debt collector, but they did not answer their phone or have a voice mail.
Consumer complaint received 2020-11-16
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. (GA)

I have submitted these accounts to XXXX  and Equifax for over a year now with Police report and FTC identity theft report. Still they have not removed the accounts from my credit report. XXXX  has deleted the accounts already. 
XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX acc # XXXX
Consumer complaint received 2024-02-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio Recovery calls me multiple times a day from different numbers. I keep blocking them but they keep coming up with new ones. They are calling well under the two hour between calls limit and more than three times a day. Sometimes they are calling five to six times a day. The calls are coming in from an hour after the one call to sometimes right after they call the first time. Im done with this.
Consumer complaint received 2019-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CORELOGIC INC (IL)

Back in XX/XX/2018 I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. 
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years  from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. 

Inquiry details ... 

Credco Inquiry from XX/XX/2018 Misc. 

XXXX XXXX Inquiry from XX/XX/2018 Automotive XXXX Inquiry from XX/XX/2018 Finance XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance
Consumer complaint received 2019-06-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: ASSOCIATED BANC-CORP (WI)

i made a payment of XXXX XXXX an never received the money by law its 48 hrs associated bank is the company making my credit tough to bring up on my end causes mental stress worries ive been doing mediation that helps with the stress i want to do better what i can do in life i dont make alot money as it is an would love to sue for money if i could im in school
Consumer complaint received 2019-06-01
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 — Was not notified of investigation status or results
Company: HYUNDAI CAPITAL AMERICA (CA)

ON MY CREDIT REPORT THERE ARE FEW FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. THESE ACCOUNTS DON'T BELONG TO ME. THESE ACCOUNTS WERE OPENED WITHOUT MY CONSENT.
Consumer complaint received 2020-12-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P. (MA)

HAPPY WEDNESDAY ; I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX  and XXXX XXXX XXXX for code of ethics violations.