davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-11
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Ad Astra Recovery Services Inc (CA)

The Debt you are attempting to collect as a 3rd Party Debt Collector in questionable under current Federal monetary laws. Issue regarding collection practices, debt valuation and collection potential have led others to forgo collection rights with my challenge. These parties include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX. 

What this should tell you, my initial arguments disputing this debt with you organization hold validity. Enough so, the prospect of reduced company valuation, adding definition to the identified monetary policy loops holes in the FCRA, or debt validation determining the validity of future collection potential as defined by the IRS and Treasury department that will impact the future of your industry. These factors represented enough risk to cease all collection efforts by the parties mentioned above. 

Your collection attempt represents less this .03 % of 1 % of the debt I formerly held before this began in XX/XX/XXXX of this year. I am asking once again the collection item be removed with a mutual understanding no further actions will be taken on my part. 
If true valuation occurred, it would be discovered I am monetarily exempt and earning under the federal poverty limit. I am preparing to cost your organization far more than the amount in active collection. This is your opportunity to assess the risk.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Financial Credit Service, Inc. (MN)

I received a call from Asset Recovery Associates, XXXX. XXXX XXXX, XXXX XXXX, Il XXXX. 
There phone number is XXXX XXXX XXXX Initially they represented that I was the beneficiary of a class action recovery involving XXXX XXXX. I informed that I have never had a XXXX XXXX nor aware of any details and therefore not involved. 
Their conversation pivoted and they claimed that I owed over {$15000.00} and had not responded to a previous letter. I informed that I have not seen their previous correspondence and that I had no account relationship with XXXX XXXX and I had nothing more to say and on this topic. 
I received a letter from XXXX XXXX dated XXXX/XXXX/XXXX demanding payment and insinuating that they would report derogatory information to the credit bureaus if the account is not paid in full. 
Additional Information - See Photo of Collection Letter - The account referenced is XXXX XXXX - XXXX XXXX, Account # XXXX, Balance {$15000.00}, Asset Recovery Associates # XXXX My Name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX Mn XXXX, phone XXXX XXXX XXXX, email XXXXXXXXXXXX
Consumer complaint received 2017-12-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC. (CA)

Im on XXXX and having a tough time making financially. I saw the CashNet commercial and applied for a {$250.00} loan. I was approved and when paid back they sent a message saying I could apply for a {$2600.00} loan. Rent was due and I was desperate so I applied. They sent me a message saying I was approved and they were putting the money in my account. They sent me a document packet with a promissory note. When I open the document for the first time I was given the terms. They are charging me a total of {$8000.00}. The interest rate is 189.13 %. How is this legal? Shouldnt I have been give this info upfront so I could have decided if I wanted to do business with them. I would think people applying for Pay Day loans are experiencing some type of financial hardship and this company is taking advantage of them. Is there anything that can be done about this predatory behavior? My rent takes up half of my XXXX check. After paying back CashNet I only have about a fourth of my monthly income to buy food, pay utilities, pay for medical and insurance, buy gas, etc. Had I known upfront CashNet did people this way I would have never applied for a loan with them.
Consumer complaint received 2017-12-07
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 — Investigation took more than 30 days
Company: National Credit Systems,Inc. (GA)

In XXXX XXXX, I received an alert from my consumer report stating that a new collections account was added to my file. Upon checking my credit report, I found that National Credit Systems Inc. had added a negative tradeline to my credit file indicating that I owed them {$3500.00}. I was never notified by this company that they were attempting to collect a debt from me prior to adding the account to my credit profile. I then wrote a letter to the company inquiring about this debt, disputing its validity, and also requested validation that the debt belonged to me. My certified letter was signed for on XXXX XXXX, XXXX. The company then mailed me paperwork that did not validate the debt. On XXXX XXXX, XXXX, I pulled my report again and this company had not notified one or more of the consumer reporting agencies of my dispute, which is a violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I then mailed a second certified letter to the company informing them of the violation and the letter was signed for on XXXX XXXX, XXXX. The company then mailed me the same paperwork that was sent after my first letter. Again I checked my credit reports on XXXX XXXX, XXXX and one or more of the consumer reporting agencies still had not been notified of my dispute of this account. I mailed a third letter to the company again indicating the violation ; which was signed for on XXXX XXXX, XXXX. I again received the same paperwork. To date, all credit bureaus still have not been notified of my dispute of this debt with this company. I have printed a copy of all three consumer reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX which show that this account has not been marked as disputed with one or more of the consumer reporting agencies.
Consumer complaint received 2021-02-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ACS Education Services (NM)

When Public Service Loan Forgiveness was announced, I contact my servicer, ACS to ask about it. I worked for the XXXX  as an XXXX since XXXX  and I have well over 100,000 in student loan debt. I was always on the income based payment plan but the payments were still more than I could afford. They told me that I just needed to stay on the income based plans to qualify and that at the time there was nothing more I needed to do. I followed their advice and stayed on the income based plan. Later, around XXXX, when I believed that I have made at least the 10 years of payments to qualify for the debt forgiveness, I contacted them to ask what I needed to do to apply for it. They told me that I needed to apply through XXXX because I could not apply through them ( ACS ). So I contacted XXXX. XXXX said I had to consolidate my loans with them - none of the payments I had made through ACS qualified for the PSLF program. ACS had given me incorrect information. ACS should have informed me that the type of loans I had with them needed to be refinanced or consolidated into a new type in order to qualify for PSLF instead of telling to continue to make payments for many years. Now I paid for 10 years and all 10 years were for nothing. When I moved my loans to XXXX I started over. Now my loans will be paid off before I will ever qualify for the PSLF program. That was very costly bad advice by ACS. I continue to work for the government - it is my entire career ( I have been a XXXX XXXX for 16 years now ). PSLF was meant to help those of us who dedicate our careers to the government despite crushing debt from private schools - but that is not how the program is operating.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (FL)

XXXX XXXX claims that I have two accounts One that still active and another that just showed up on my credit report of {$3.00} which they ca n't verify all the charges in writing. I have a police report that illegal charges are being done with my Home Depot credit card They said they sold one account to the collection agency, without even notified me about the charges. I called many times and email and was n't unable to get any answers
Consumer complaint received 2017-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: Continental Finance Company, LLC (OH)

Recieved voicemail from a XXXX at XXXX saying to call within 24 hrs. I called told it was an attorney for Continental Finance and they are ststing civil action to collect {$520.00} for a XXXX I never had. When I asked why not on my credit report he said it was up till 2012 then company didnt want to pay to report. I asked him to send info and he said good luck and hung up. This appears to be a scam.
Consumer complaint received 2021-02-09
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (MA)

On XX/XX/2021 Our personal computer was comprised with malware We tried several times to clear but unable to do so. A dialog box appeared to call XXXX at XXXX XXXX XXXX XXXX. The customer care from XXXX said he could clear the problem. Fifteen minutes transpired and the rep asked for our permission to to scan the problem. He stated our file has been hacked and he needs further time to locate the problem. My wife and I could see his cursor jumping all over the screen. Another 15 minutes, elapsed and he said our American Express account has been violated. He recommended we call AE and speak to someone. We told the XXXX rep we will call him back after we speak to the Amer Express people. The XXXX rep said he can contact American Express via third party call. We gave him the number and a rep from Amer Express came on. We explained what happened and he said he will need a few minutes to look into the account. He verified our information as they usually do. We actually thought we were talking to XXXX XXXX. The gentleman came back and said your account is pending {$15000.00} to a XXXX in XXXX. We were shocked because we didn't authorize any transactions of any amount. We asked him what can be done and he said we can dispute the amount which will take a awhile or you can purchase the amount in gift cards to offset the pending amount in question. He advised us to purchase the gift cards. I asked how does adding XXXX in gift cards offset a pending amount. He said the pending will go on my account in 12 hours. So we panicked and purchased gift cards to offset the amount. The XXXX rep was also on the phone the whole time. He said our email and cell phone were also compromised. We felt so angry but what could we do. So American Express is holding me responsible for the purchases. I reported this to them 72 hours later when I went back to check my account. I reported the violation to the XXXX Police, the Federal Trade Commission, and XXXX  where the gift cards were purchased. 
I'm semi retired and have health problems partially XXXX and on XXXX. Working with a fixed income and I told American Express why would I purchase that much in gift cards where I could've just use my American Express for buying power. I sent a letter to the CEO of American Express asking for forgiveness. I sent a letter to my senator and my congress rep. I'm having a difficult time repaying this. 
American Express, report ID XXXX XXXX ID XXXX XXXX Police Report XXXX Federal Trade Report XXXX Alleged XXXX Rep XXXX XXXX Employee ID XXXX Email : XXXX Direct phone number XXXX ext XXXX XXXX  number XXXX Alleged American Express Customer Care XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Email : XXXX Cell : XXXX
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2017-12-08
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: JPMORGAN CHASE & CO. (FL)

I had someone commit fraud trying to open an account with XXXX ( Chase Bank ). 
Once on XX/XX/XXXX then on XX/XX/XXXX. 
I called Chase, they said that they would rectify the situation but nothing was done. 
I put a fraud alert on my accounts. 
I filed a complaint id with CFPB on XX/XX/XXXX ( XXXX ). Your office immediately contacted me and said that they spoke with Chase and it would be taken care of. 
NOW ON XX/XX/XXXX, I again had someone attempt to open an account with Chase Bank via XXXX and again it was denied but now on my Credit Report it shows XXXX hard inquires with Chase! 
Today I received a " kit '' from Chase on identify theft with cc to you, Consumer Financial Protection Bureau : Complaint XXXX. 
Obviously, Chase is NOT doing their job as again I got another hard inquiry. What is wrong with this picture! 
I put a credit freeze on my credit reports but obviously it did not work!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep. I have provided all the necessary documentation for its removal, and I sincerely implore you to remove it from my credit report.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC. (FL)

On XXXX, XXXX XXXX I was looking to purchase a new vehicle ( XXXX XXXX Coupe XXXX ) from XXXX  XXXX Auto and I decided to finance the vehicle. It was n't even XXXX hours and I noticed the navigation of the vehicle was n't working and the right front bumper of the vehicle was already falling apart. So, I decided to return the vehicle the very next day because of this Issue And as of today XXXX/XXXX/XXXX I 'm still seeing XXXX XXXX XXXX on my Credit Report from Both XXXX and XXXX. I 'm seeing XXXX XXXX XXXX on my Credit Report and the Finance Companies that XXXX XXXX XXXX  applied for me. Exeter Financial and XXXX XXXX which are both Hard inquiries on my Credit Report. I did n't have the vehicle for more then XXXX hours and It 's still on my credit report today XXXX/XXXX/XXXX. I hope this issue gets fixed. 


If you have any questions please do not hestiate to call me ( XXXX ) XXXX
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (PA)

I had a credit card with Chase that was opened XX/XX/XXXX. Due to financial hardship and loss of income I fell behind and was unable to pay. XX/XX/XXXX, Chase issued a XXXX c for the Cancellation of Debt and I had to report the amount on my Taxes as income. Chase is still reporting to the Credit Bureaus that I have an outstanding balance and that amount continues to increase. I am attempting to improve my credit and this has impacted me for several years now, even after they cancelled the debt.
Consumer complaint received 2017-12-08
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (KS)

I logged into my Navient account on their website. I was setting up a budget for the next year and I noticed my balance due is approximately {$18000.00}. This balance is for 3 private student loans I have through Navient. I had received these loans in XXXX XXXX, XXXX XXXX and XXXX XXXX. My original loans balances ( added together ) was approximately {$19000.00}. As of this date my loan balance is approximately {$18000.00}. In XXXX, I was paying a payment of approximately {$450.00} ( 3 months ). That dropped to {$130.00} ( for 2 months ). It was then raised again to {$230.00} ( 18 months ). Then my payment dropped to {$180.00} ( 18 months ). Then it raised again to {$210.00} ( which I  have been paying since XXXX ). Navient states that my expected pay-off date is XXXX. I was looking at the break down of the payment and how it is applied. I am pay way more toward interest then I am toward the principal every month. One of my loans balance started off at {$5500.00}, its balance is now {$5400.00}. And I have been paying on that loan since XXXX. Another one of my loans original balance was {$7000.00}, and its current balance is {$6800.00}. Again I have been paying on this loan ( the longest ). My 3rd loan original balance  was {$7000.00} and its current balance is {$5700.00}. I understand that I have somewhat high interest rates ( 12.875 %, 11.75 %, & 10.375 %, respectively ) and my rate is variable, however I feel that my balance should be decreasing more. I had contacted Navient in the past about difficulty making payments. I was set up on payment plans that last approximately 18 months. But again my INTEREST payments are greater than {$150.00} but my principal payments are usually less than {$65.00}! I was also charged a disbursement fee of {$210.00} on my 1st loan in XXXX. I have several principal payments that are less than {$20.00}, but the principal payments were greater than {$160.00}.
Consumer complaint received 2017-12-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MN)

I emailed XXXX on XX/XX/XXXX about setting up automatic payments. I received no response. 

I used the chat function on XX/XX/XXXX. I was told my application for automatic payments had been received and was being processed currently. 

Today, XX/XX/XXXX, I received an email that said there was no application on file, and to set one up. 
I went to the website, and it still said my application was sending. There is no way to create a new application when one is pending.

I am very frustrated with the incompetent people working at XXXX. One of them was not telling the truth. The application is either there or not. 
Please fix this. 
Thank you.
Consumer complaint received 2021-02-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

The Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( A ) ( i ) state that if you are unable to provide Verifiable Proof then you must DELETE the incorrectly reported public record items listed below immediately. 

THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Bankruptcy : Discharged CHXXXX. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 
2. Bankruptcy Chapter 7-Discharged. THIS ITEM DOES NOT BELONG TO ME!

Reference # XXXX. 
Inaccurately posted on XX/XX/2019. 
3. Chapter XXXX Bankruptcy-Discharged.. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX Inaccurately posted on XX/XX/2019. 

I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : ( XXXX XXXX ).

Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 


FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/2019 ( Reported Identity Theft )
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NV)

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within XXXX days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.