davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-31
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Terrill Outsourcing Group (FL)

On XX/XX/XXXX I spoke with a Rep by the name of XXXX XXXX He called my work line and I advised that it wasn't a good way to contact me as I was at work. He proceeded to try and keep me on the phone after I advised I was working multiple times. I told him the only # to contact me would be my cell phone #. He still proceeded to go over the account with me after I advised I couldn't speak at the moment. I asked that he email his offer. He sent me an account overview that did not include the offer he made. I attempted to call him back on XX/XX/XXXX at XXXX est but he did not pick up. he proceeded to call my grandmother on XX/XX/XXXX after I advised I could only be reached at my cell phone #.
Consumer complaint received 2019-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

I am eligible for the Public Service Loan Forgiveness program but Fedloan Servicing customer representatives erroneously told me to consolidate my student loans in either XXXX or XXXX, thereby wiping out all the years of payments I have made before this consolidation occurred. According to the law Congress passed in XXXX, if a XXXX  has worked in a low income schools for 10 years and has made 120 loan payments, they are eligible for student loan forgiveness. Fedloan Servicing has an exclusive contract with the federal Department of Education and to date has rejected 99 % of PSLF applicants including myself. They sent me a notification yesterday that so far, I have only made 73 qualifying payments and have 47 more to go, making me eligible for loan forgiveness in XXXX. I have been paying this loan off for almost 20 years since the year XXXX. I have been a XXXX XXXX XXXX XXXX  serving XXXX XXXX XXXX XXXX for 17 year. I know I qualify for this program. Fedloan Servicing has given countless people like myself wrong information and routinely rejects applicants from loan forgiveness when they in fact qualify. The first round of applicants were eligible for loan forgiveness in XXXX. Less than 1 % of people who applied have had their student loan debt forgiven.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc. (MD)

I am writing to dispute the following information that appears on my XXXX  report : Account Number : XXXX : Source of dispute information : COMENITYCB/XXXX Dates associated with item being disputed : XX/XX/2011 Explanation of item being disputed : Product not received, it shouldnt still appear on my credit report. Please remove it.
Consumer complaint received 2019-10-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

Portfolio Recovery Association LLC is Negative Re-aging a old charged-off account from XXXX XXXX. By changing the first delinquency status on a old account Ending in XXXX that was a secured card back in XXXX they bought the account in XXXX. And listed it on my credit report as first delinquency date of XX/XX/XXXX making it look new as if I made a payment, and its a current payment on my behalf when XXXX XXXX applied the {$700.00} dollar security amount to a $ XXXX+ debt in XXXX. XXXX they listed it on my credit report as account type ( factoring company ). Further damaging my credit. I keep disputing the account somehow they keep convincing the three credit bureau as if its current and legal reporting, when its outside the statute of limitations. For both filing a lawsuit or reporting to credit bureaus.
Consumer complaint received 2017-08-10
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: Experian Information Solutions Inc. (CA)

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30, 60, 0r 90 days late in the month of XXXX. I 'm not sure how this happened. I have alway made my payment on time to you when I received my statement. My only thought is that there was a billing error with my statement.
Consumer complaint received 2020-05-21
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (CA)

Great Lakes, the private company the government pays billions of my taxpayer dollars to provide incompetent loan servicing to Americans, has reported that my student loan is in deferment due to coronavirus, which is a lie. My credit score went down! 
Please investigate and fine this terrible company which is actively harming Americans.
Consumer complaint received 2022-08-09
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: WELLS FARGO & COMPANY (TX)

XX/XX/2022 someone opened a credit card with wells fargo bank using my information ( assuming my XXXX XXXX ) Wells Fargo cancel card and listed as fraud I locked and froze my credit. 

I do not know the address fraudulent card was mail to Wells Fargo would not tell me mailing address or email address that was used
Consumer complaint received 2019-10-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A. (WI)

I have a PNC Bank Rewards credit card. I called their customer service department to request a lower APR interest rate. I was told by the agent on a recorded call that my APR would be reduced 6 %, effective my next statement. 

Upon receiving my next statement there was not the promised APR reduction. I called in to PNC back asked to speak to a supervisor to lodge a complaint. I spoke to a supervisor who said they would pull the call, listen to the call and see if they could help me. 

Today I received notification from PNC bank that they were unable to offer me the 6 % APR reduction that I was promised on a recorded call. I asked for a copy of the call with the agent and was denied. 

I am filing this complaint as this is very deceptive and dishonest. I was promised a 6 % APR reduction by the PNC bank agent, and come to find out this will not be the case .... 

Please help me with this matter, Very truly yours, XXXX XXXX
Consumer complaint received 2020-10-11
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: Auto Trakk, LLC (MI)

There is an repossessed car that was fraudulently put in my name. I've asked for to be shown validation of debt on numerous occasions, but to no avail. I've sent in paperwork and police report showing it wasn't my vehicle and yet XXXX  won't remove said item. My next and only recourse if this matter cant be resolved its to take legal action against XXXX and the company AutoTrakk LLC
Consumer complaint received 2019-10-31
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Bliksum, LLC (CA)

On XX/XX/XXXX, I went on line to get a loan for debt consolidation. LoanMe was able to offer me a loan. I was given a few loan options with the highest amount being {$7600.00}. The options and terms are attached below. I wanted to get the option with 48 months but the loan officer only offered me the 84 months option and told me that's just how the loan was set up. I have the email conversation saved. Of course the 48 months option was the best deal for me and the 84 months option the lender would make more money, which also means more commission for the loan specialist. I just felt that the loan specialist did not have my best interest. He should be able to set up the loan if it was one of the options given to me. I contacted customer service department on XX/XX/XXXX and spoke to Ms XXXX to try to work out a better option. I asked her if she could investigate to see if there was anything she could do to give me the better loan option with 48 months term. She said that was just the loan I signed for. But i still feel like it was predatory lending. I really needed the loan because my husband was in the hospital and he lost his job. I only made $ XXXX/hr at the time as a preschool teacher. My monthly payment is {$560.00}. After paying all my other bills, it is very difficult to pay any additional amount as I have tried to for the past year. It made more sense to give me the 48 months term based on the income I had. I would be able to pay it of in 4 years worse case scenario than to pay it of in 84 months. 

I borrowed {$6600.00} + {$950.00} origination fee = total loan amount {$7600.00} For 84 payments of {$560.00}, total payment would be {$47000.00} For 48 payments of {$580.00}, total payment would be {$27000.00} As you can see, the 84 payment plan is almost interest only and i still owe about {$7500.00} after making payments for about a year.
Consumer complaint received 2021-07-20
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: CREDIT ACCEPTANCE CORPORATION (NJ)

These accounts don't belong to me. Please remove them form 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 XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

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

3. Identity Theft CREDIT ACCEPTANCE CORP Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine.
Consumer complaint received 2020-09-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Advanced Collection Bureau, Inc. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX TODAYS DATEXXXX IN RESPONSE TO YOUR CFPB COMPLAINT : XXXXPrint ADVANCED COLLECTION XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : ADVANCED COLLECTION XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1988 XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2020-10-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2016-02-16
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc. (TX)

I received a call today at XXXX XXXX XXXX/XXXX/2015 asking for XXXX XXXX my daughter. The person refused to provide me with there name. I asked if I could take a message he proceeded to say we are following up on a previous arrangement made to remove a summons. If she does not contact us today the summons will be processed and she will be charged and possibly prosecuted. I asked him if this was a collection agency he said no we work for XXXX XXXX we are not a collection agency. I said you are not and your calling from an XXXX number. I know fraud deception when I hear it and I could hear the other reps on calls in the background. I told him not to call again to remove my number they will be reported. He kept talking and I hung up. Why did this fool call me right back saying threatening nonsense. I hung up called the number from my cell the company name stated ARA. First of all he broke every FDCPA law in place for dept collection. He did not provide his name or company name, He provided personal information to a third party and stated he was not a collection agency when they are and he made threats. My daughter needs to be compensated for deception, fraud, and providing wrong and untruthful information to a third party. These people could of called somebody else and stated the same information to them. There phone number is XXXX.
Consumer complaint received 2020-05-21
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. (AR)

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. XXXX XXXX {$3100.00} XXXX XXXX {$810.00} XXXX XXXX   XXXX {$1300.00}
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC (FL)

I have been trying to resolve inaccurate credit reporting by Specialized Loan Servicing. They have corrected the comments on my credit reports but still show 120+ late payments for a property that I did not own during the reporting dates in XXXX and XXXX. 

I am in the process of refinancing my home loan and the late payments are affecting my loan. In the process I also found out that they filed a foreclosure on the property in late XXXX with my name and my wife 's listed on the documents. We were not the owners of this property ( See Attached Documents ). 

I have called this company on XXXX XXXX, XXXX @ XXXX, spoke to a representative who said this would be fixed XX/XX/XXXX. Called again on XXXX XXXX and XXXX. Each time put on hold for 30+ Minutes, told that I'm holding for the escalation department who never answers or told that someone will call me back. All contact ended with no results.
Consumer complaint received 2024-01-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (SC)

I was reviewing my credit report, and I found several errors. Any reporting of this matter to credit reporting agencies is a violation of my rights per 15 US Code 1681b ( a ) ( 2 ) and 15 US Code 1692e as I did not authorize you to report and reporting such negative information about me is a defamation of character. 

Please delete as these alleged hard, soft or promotional inquires we not authorized by myself, which means that these inquires ( again hard, soft, promotional ) or otherwise are fraudulent per 15 US Code 1681b ( c ) ( 1 ) ( a ) ( b ) ( i ) ( 3 ) under transitions not initiated by consumer, I ask that you please permanently delete these inquires listed. 

XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXXXXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX XXXX  Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Likewise, these ALLEGED MEDICAL/COLLECTION ACCOUNTS delinquency and or the derogatory claim ( XXXX ) of information below listed is, as reported, erroneous account is direct violation of 15 USC 1681 Reporting Incorrectly. 

XXXX XXXX XXXX  - Account number : XXXX XXXX XXXXXXXX XXXX  - Account number : XXXX XXXXXXXX XXXX XXXX - Account number : XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX  - Account number : XXXX XXXX XXXX XXXX  - Account number : XXXXXXXX XXXX XXXX XXXX  - Account number : XXXX Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error and I just would like for it to be corrected. 

XXXX XXXX - Account number : XXXX XXXX XXXX XXXX XXXX - Account number : XXXX Also on my there are two ( 2 ) identical accounts numbers with different balances which is not right. Please delete this accounts. 
XXXX XXXX XXXX  XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX Account number : XXXX
Consumer complaint received 2017-08-10
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC (MO)

I was contacted by XXXX XXXX, National Credit Adjusters on XX/XX/XXXX via phone call from # XXXX claiming I owe {$290.00} for a payday loan to Payday One from XX/XX/XXXX. I receive several calls daily from them on my ph # XXXX & XXXX. Sometimes 5 or 6 x 's a day. Now I know that the FDCPA clearly states that I have 30 days to dispute once I receive 1st demand letter and also any collector CAN NOT contact me until that demand letter is received and I am given time to dispute. I have never received a 1ST demand letter, only a a lot of ph calls. That is clearly a violation of the FDCPA!
Consumer complaint received 2020-04-23
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (KY)

Synchrony Bank filed a complaint of an amount owed, for which I received a Civil Summons in XX/XX/XXXX. The amount due was in connection with a JC Penney credit card. I was not aware of this debt before receiving the summons. After receiving the summons, I called numerous times to find out when these charges occurred and what they were for. J.C. Penny credit department said I had a XXXX  balance   due on my accounts. Synchrony Bank said I should contact the collector, XXXX XXXX XXXX. 

We have probably spent approximately 20 hours over the last 9 weeks trying to resolve this issue, most of which has been on hold with the parties mentioned above, attempting to get information on the charges. That doesn't include the emotional stress caused by this action. I have been told multiple times that the information would be mailed, but I still have not received that information, and they refused to email anything. Instead, they sent only only two statements from 2015 showing a XXXX  balance due, and which do not include any of the charges in question. If an amount was owed, why can Synchrony Bank not produce a simple account history so that I can review the charges made on the account? My understanding is that these charges were from several years ago, and I no longer have statements for them. According to CFPB.gov, banks should respond to complaints in 15 days. I find that doubtful, since I have been trying to get basic account history information from Synchrony for 9 weeks, with no success, on an account for which they decided to take legal action against me.
Consumer complaint received 2020-10-22
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. (IL)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO. (CA)

On the date of XX/XX/2019 i went to a restaurant called XXXX in XXXX CA in XXXX XXXX XXXX and and i signed and paid for the bill wich was {$100.00}. On the date of XX/XX/2019 i check my account to see if it has cleared my account and saw a transaction in the amont of XXXX wich i didnt not sign for i called chase to but in a Claim. Chase gave me a temporary credit back while they did the investigation, I went online today on XX/XX/2019 I went to check my account to do a payement and saw that the bank pulled XXXX and declined dispute do to prove that they got that I did and told me that it is not between XXXX and myself problem, so i called XXXX and told them the issue and ask to see the prove on that i had signed for XXXX and they didnt not have such a thing all they had was a receipt for the {$100.00} and they creidt me the money back with a letter saying sorry.