davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (TX)

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX ( only ) XXXX bill automatically payment {$100.00} XXXX XXXX  plan XXXX XXXX Flex Plan XXXX  contact XXXX this is not my bill on collection XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXXXXXX online information services XXXX inc has completed its investigation on reference number XXXX for XXXX XXXX and found the information being reported as accurate. 
RE disputed Reference # XXXX Amount Owed {$250.00}
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC (CO)

In XX/XX/XXXX, Jefferson Capital System reported a collection account on my credit report. I disputed the account and requested the original signed contract as well as subsequent statements. I have never had an account with Jefferson Capital System. This company has also failed to provide the documentation I requested verifying I am the owner of this debt. The information provided via XXXX XXXX  via XXXX In partnership with XXXX In partnership with XXXX Current dispute File number : XXXX File number : XXXX Sent to XXXX On XX/XX/XXXX In review On XX/XX/XXXX Completed On XX/XX/XXXX Need to send XXXX additional information? 
Heres how to contact them JEFFERSON CAPITAL SYSTEM Submitted on XX/XX/XXXX Not Changed
Consumer complaint received 2024-03-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (UT)

XX/XX/XXXX I made dispute with XXXX that there information was in accurate and false reporting. After further reviewing the Direct Consolidation Loan Application and Promissory Note. I requested for the Promissory Note with my signature but instead it's a typed out. Further more the note stated I attend college in CA in XXXX but on the AIDVANTAGE website it states I went to college in XXXX at XXXX XXXX in XXXX FL, how can I attend a college in Florida and live California. this document doesn't have a Florida address. Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request 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 reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least XXXX calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. I did not attend this college in Florida! I requested a Promissory Note with my signature but instead I'm given XXXX  with false reporting of Identify theft of my information attending a college in Florida but yet this document states I lived in California ( I WOULD HAVE APPLIED FOR A STUDENT LOAN IN THE STATE I LIVED IN! I CAN NOT APPLY FOR A STUDENT LOAN IN FLORIDA AND USE A CALIFORNA ADDRESS ATTENDING THIS SCHOOL. BY LAW I NEED TO RESIDE IN THE STATE THAT I WAS ATTENDING TO GET FINANCAIL AID! THE FOLLOW ACCOUNT : School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED Disbursement Date XX/XX/XXXX Original Principal {$4500.00} School XXXX XXXX XXXX Current Owner U.S. DEPARTMENT OF EDUCATION Guarantor DEPT OF ED Disbursement Date XX/XX/XXXX Original Principal {$3500.00} THIS MATTER WILL BE REPORTED TO THE FTC NEXT IF AIDVANTAGE REFUSES TO INVESITGATE
Consumer complaint received 2024-03-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Kornerstone Credit,  LLC. (GA)

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 bi more than sevon 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 2016-09-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (GA)

In XXXX & XXXX, I received notification from a collection agency ( Afni ) stating that I owe cable company XXXX {$1400.00}. The account opened with the social security number was fraud and identity theft. I submitted the Affidavit to Afni, and Afni has received and closed the fraud account. I recently tried to have XXXX install cable in my home. XXXX still show a due balance of {$1400.00} related to the fraud account.
Consumer complaint received 2015-05-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION (GA)

My Complaintwith Regions Bank, I 've been working with Regions Bank since XX/XX/XXXX on getting approved for a loan on a townhome property, this property is a short sale which means we had to wait for an approved contract. In XX/XX/XXXX my loan was approved by Regions Bank & sent to the closing attorney office for a closing. Regions Bank was well aware that this was a townhome, however we did n't close because the house contract expired due to Regions Bank appraisal delay. 
Why did Regions bank allow me to get a new contract on the townhouse and allowed my loan file to stay in the pipeline with Regions Bank from XX/XX/XXXX through XX/XX/XXXX until we received another contract from sellers bank on XX/XX/XXXX? This new contract was sent from the attorneys office to Regions bank 8-10 days ago at that point the loan file was being processed again. Once again Regions bank is well aware that this is a townhome. Today on XXXX XXXX XXXX., I was told my loan is approved than all of a sudden late afternoon almost the close of business I 'm told we have a problem FHA is saying its a condo. This distressing message is relayed to me by my loan specialist and not a manager who at this point should be on the phone calling me, the customer to explain how any of this can happen. How can a professional, financial institution have not known for five months and also how is it possible that I had and approved loan ready to close from Regions Bank to attorneys office in XX/XX/XXXX with no problems! 
Is there is an underlining issue? The loan is only ( {$49000.00} ). Is the issue that I am XXXX? Is it because I am a woman? or Is it because I am a minority woman? 
Please investigate the protocol on this home loan process with Regions Bank.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

On XXXX a complaint was filed with CFPB in reference to XXXX investigation into a hard inquiry on my credit file ( complaint # XXXX ). XXXX response stated the hard inquiry was valid, because of persistence and established dialog with XXXX XXXX executive office ; on XXXX XXXX, XXXX a letter was received agreeing to remove the Hard Inquiry from my file.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (KY)

I was directed to take a forbearance and also went into default instead of working out a better payment plan. Once this happened my loan almost quadrupled in amount. I have n't received any help getting the interest rate lowered or offered any better repayment plans even though my credit is much better now and my payments are all on time. 

The only debts I have are student loans and a house payment ( no credit cards ) and even though I work many hard long hours and have a well paying job I still struggle and live paycheck to paycheck. I graduated college in 2005 with a XXXX only and I am still currently paying XXXX dollars a month in student loans alone.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

Around XXXX I had an initial conversation with a representative of the Financial Aid office at the XXXX college in XXXX which CLOSED down a year after. 

During that almost four-hour conversation, I emphasized that I MIGHT be willing to cosign to support my daughters costs of attendance if she needed my help. The lady informed me that because my daughter was XXXX, she could enter into the loan independently and that she was guaranteed to be placed in suitable employment upon graduation, and that would enable her to repay the loan proceeds herself. And the loan would not be due to her until at least 5 yrs upon graduation. The school closed and my daughter was never given a job and now her degree is useless because there are no XXXX school left in USA. 

The financial person requested my personal information to run a credit check for eligibility " just in case '' my daughter needed a cosigner for the loan. She did not inform me that providing this information meant that I was granting permission to be listed as a co-borrower and for the loan to be generated using my personal credit profile. 

The result : there were XXXX loans generated on both my daughter and myself. My daughter has a loan for about XXXX. The Loan was granted ( me ) was done for almost XXXX WITHOUT my signature and I have paid back I believe close to XXXX because I was scared if I did n't pay my credit would be affected! 

I created an account and finally was able to contact customer service representatives in the XXXX XXXX and XXXX. They informed me that I had a loan that was due and payable immediately. I was told that if I did not make immediate payment arrangements, the loan would go into default and it would negatively impact my consumer credit rating. I felt explicitly threatened and intimidated and since I could not find anyone at the XXXX XXXX loan agency to contact stateside to contest what was a fraudulently made loan, I assented and agreed to make payments. 

I called every month to protest these payments, demanding other agency contacts that I could reach to rectify this gross injustice and fraud. No such information was ever provided and I continued to pay until I placed the loan in deferment for the past 5 years while I continue to fight and find answers. As of XXXX XXXX, I have paid more than {$20000.00} total, and there is still and outstanding balance of over {$40000.00} due on this loan I did n't not take out. Further, my daughter was also made a loan that is also in deferment with a XXXX balance due as of XXXX XXXX. And XXXX now Navient keeps telling me to defer the loan. I am trying my best to have someone assist me with this fraud - I have papers with NO signature of mine on this loan ; my name is TYPED by Navient.
Consumer complaint received 2024-03-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Surprisingly, a few days ago, a collection of XXXX dollars from the company Jefferson Capital Sy u appeared on my credit report. It says that the original is the XXXX company that said company no longer exists, which is why I consider that this collection is a violation of the consumer rights and the fair credit law, I do not recognize this debt, it is also from a company that no longer exists and now they give it to me as a collection in XXXX and it says it is from XXXX, XXXX  years ago and I saw it posted now As a collection, this is a fraud and a lack of respect, so I ask you to investigate this, thank you in advance and sorry for the inconvenience.
Consumer complaint received 2024-03-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EGL US, LLC (OR)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX
Consumer complaint received 2016-10-05
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I applied for a personal loan in the amount of XXXX for a XXXX.I never went back seems like XXXX charged the XXXX XX/XX/2013 and I just found out after getting collection notice found out it was from XXXX office Almost 4 years later.XXXX has reimbursed the $ But I have a collection with all XXXX Bureaus.As of yesterday the dental office paid back the XXXX I never received or got work done for this is XXXX XXXX XXXX in XXXX XXXX Ca collection agency is Portfolio Recovery Associates.
Consumer complaint received 2024-03-08
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

In 2020 I got a phone bill from XXXX for XXXX dollars even though I never had XXXX  I've had XXXX My whole life I've disputed it multiple times with creditors and told them my identity was stolen you can look at my credit history everything else I pay is up to date.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (SC)

It says I was late or but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

un-authorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXXXXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXXXXXX XXXX XXXX  Account : XXXX XXXX  XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account : **** XXXX Account : XXXX XXXX XXXX XXXX  Account : XXXX XXXX  Account : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account : XXXX THESE ACCOUNTS ARE INACCURATE AND NEEDS TO BE UPDATED/REMOVED IMMEDIATELY
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS (FL)

It says I was late or bankrupt but I can't find any proof of that.You know those cases, XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX )? They make it pretty clear that this needs to be sorted. So, if you can't find any evidence, could you update it to " paid as agreed, never late ''? 

XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CT)

These items in question contain numerous discrepancies, including inconsistencies in the date opened, high credit, credit limit, last reported, comments, date last active, and date of last payment. These errors are not only unacceptable but also compromise the accuracy and integrity of my credit report. 


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 2016-11-17
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

Approximately XXXX years ago the family living at XXXX, XXXX, SC XXXX left the home due to the back starting foreclosure. Over the last XXXX years the house has fallen in shambles. The grass has had to be cut by neighbors as well as the home owners association. There have been many instances of homeless people living in the home and staying only late at tonight to sleep. Also, children have been breaking into the house to play and vandalize. There is garbage everywhere in the interior of the home and garage. Repeated attempts to secure the front door have failed as the door continues to be broken into. This is a safety concern for the neighbors.
Consumer complaint received 2024-02-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC (CA)

Subject : Formal Dispute of Fraudulent Account - Account Number XXXX Dear Sir/Madam, I am writing to formally dispute the validity of the account listed on my credit report under the name " Jefferson Capital Systems XXXX and associated with account number XXXX. Upon careful examination of my credit report, I was alarmed to discover this account, which has been opened fraudulently and does not belong to me. 

I categorically deny any association with the aforementioned account and assert that it has been fraudulently initiated without my knowledge or consent. Moreover, I am deeply concerned by the apparent lack of compliance with key regulatory statutes, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX guidelines. 

Specifically, I have not received any prior notice or communication regarding the existence of this account, as mandated by the FCRA, FDCPA, and XXXX XXXX guidelines. The failure to provide me with proper notification of this account is a serious violation of my consumer rights and underscores the urgency of rectifying this matter. 

Furthermore, I am deeply troubled by the potential ramifications of this erroneous entry on my credit report. If this fraudulent account is not promptly removed, I will have no choice but to seek legal recourse through my legal counsel. It is imperative that Jefferson Capital Systems takes immediate action to investigate and rectify this egregious error. 

To support my dispute, I have enclosed a copy of my military orders, which details the fraudulent nature of this account opening and my not being able to open said account. Additionally, I have provided evidence of my whereabouts during the time period in question, further substantiating my claim. 

I demand that Jefferson Capital Systems conducts a thorough investigation into this matter and provides me with a written response detailing the results of the investigation and any actions taken. Furthermore, I expect full compliance with all relevant regulatory requirements, including the prompt removal of this fraudulent account from my credit report. 

Please be advised that all further correspondence regarding this matter should be directed to my legal counsel. Should this dispute not be resolved satisfactorily and the fraudulent account not be removed from my credit report, legal action will be pursued without further notice. 
Thank you for your prompt attention to this urgent matter. I anticipate a swift resolution and the restoration of accuracy to my credit profile. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-02-26
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TX)

After asking for validation of debt on the claim of a default auto loan I received a booklet of blacked out papers.I asked them to ceist and desist because they didn't send me anything that proved that I owed on a default loan. They served me to appear in court .I showed up in court with my paperwork this was on XX/XX/2023 .Judge asked lawyer to prove his case and had the same blacked out paperwork and couldn't prove that I owed on a default auto loan. Judge told him he had 30 days. I've not received any information since.Upon checking my mail I found another letter to appear in court.
Consumer complaint received 2024-02-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Someone got a hold of my XXXX XXXX Credit card credentials around XX/XX/XXXX. I have not used this credit card in a very long time. They maxed it out at {$1700.00}, opened a po box under my name and sent all the purchases and statements there. I didn't find out under the account was overdue and sold off to collections in XX/XX/XXXX. I've tried to dispute the amount with the collection agency but no luck.
Consumer complaint received 2024-02-26
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc (PA)

I purchased a pair of sneakers for XXXX. They never arrived and not tracking information was provided. The company claims they sent it and it was delivered but I received nothing and no tracking information was provided. I submitted a claim to my card but it was denied.