davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-05-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (MA)

Fair Collections & Outsourcing, known as FCO.

FCO had previously tried to collect an amount of {$220.00} from me without proof. That amount has changed to {$76.00} still without proof of that amount being correct.

I have requested validation of debt from FCO several times now at least 4. They have refused to send it. Validation of debt had also been requested in XXXX, XXXX and again in XXXX and FCO failed to provide it each time. FCO has sent a notice of the debt to each of the consumer reporting agency, the notice of the debt must be removed since they did not provide validation of the debt.

FCO has NOT shown they have the right to collect the ALLEGED debt.

FCO has NOT shown the ALLEGED debt is mine.

FCO has NOT shown the amount is accurate. 

In fact, I have documentation proving that the amount is not accurate. So, I don't know how they could possibly claim they have proven it to be accurate. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX of FCO have repeatedly failed to follow federal law, as outlined in the The Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2021-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (NJ)

Chase has not processed my recent fraud claim accurately, and has failed to incorporate my own statements to them. This is a violation of the Fair Credit Billing Act.
Consumer complaint received 2021-07-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: AES/PHEAA (TX)

Cancel my student loan debt please student loans have ruined my life - Please forgive my student loan debt it is a weight around my neck. I started out at a two year for profit college and only XXXX credits of my XXXX credits transferred to another school. For profit college XXXX XXXX promised jobs after graduation this was not the case. I went on to a four year college since there were no luck with finding a promised job. I was there for several years and still was not close to graduating since my credits did not transfer. I did a modification at {$370.00} a month only to be told that my 9 payment was not to be accepted because they did not take payment from my checking account. I had payment set up with auto draft in my checking account. Loan was sold and new company did not draft it right away. I was told I would have to start all over again.

Debt has impacted credit and rates on buying things. Growing up college was always said to be the road to a better life. This road has been nothing but a nightmare and it still haunts me today.

Respectfully yours, XXXX XXXX
Consumer complaint received 2022-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (OH)

( 1 ) Already Approved IDR from StudentAid.gov : I am attempting to provide real facts for already approved IDR for a New Navient email received on XX/XX/XXXX. I followed Navients prior suggested and continued suggested link TO StudentAid.gov. The message stated on StudentAid.gov that my already approved IDR is not due to recertify income until XX/XX/XXXX. ( XXXX XXXX ) ( XXXX ) XXXX XXXX XXXX Navient logged in web account already approved IDR from studentaid.gov complimentary copy uploaded with Navients system confirmation. The already approved IDR was embedded within a PDF document. I provided this three times to Navient to clear up communications and validate IDR. The first uploaded Navient PDF didnt get acknowledge via phone communications, therefore, I took image receipts of the other two from Navients system confirmation. Navient kept saying they didnt receive anything from me, however, again, my logged in web account, Navients system confirmation stated otherwise.

( 3 ) *New Problem, As of XX/XX/XXXX, I am missing credit in my Navient web account for XXXX paid through XXXX XXXX. ( XXXX XXXX ) ( XXXX ) Although I have an already approved IDR from studentaid.gov, I recently had temporary funding available, therefore, I made good faith efforts. I paid off 2 private signature loans and 1 federal loan. In addition, I made numerous payments toward my federal loans. For some reason, my Navient communications by phone and email do not reflect any of my efforts? However, I have Navient payment and date confirmations. Payments were posted from my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Thank you for reading my concerns with receipts for validation. Kind Regards. XXXX XXXX XXXX
Consumer complaint received 2017-01-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ResidentCollect, Inc. (TX)

This has been disputed numerous times. I have not received any validation of the debt that I owe. No paper work showing my signature. The dispute was sent back in XXXX so it 's well past the 45 day time for the response for the validation of this debt. It has also been over the 4 years so the statue of limitations has past to collect on this debt per the state of Texas debt guidelines. I would like this removed from my credit report.
Consumer complaint received 2021-07-09
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (IL)

Today is the XXXX day post payment and nothing has been done. Wells Fargo has not provided a confirmation letter as they initially stated they would. Continuously getting told a different story each time I call with insignificant 15+ days hold/delays prior to closing out the account and providing release documentation. Too many excuses.
Consumer complaint received 2022-08-04
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)

XXXX XXXX XXXX In accordance with the fair CREDIT REPORTING ACT XXXX ACCOUNT # XXXX # XXXX XXXX # XXXX XXXX  # XXXX HAS VIOLATED MY RIGHT 15 U.S.C 1681 SECTION 602 A. States i have the right tp privacy.

15 U.S.C 1681 SECTION 602 A. SECTION 2 IT ALSO STATE A CONSUMER REPORT Agency can not fumish a account without my written instructions
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (MD)

I 've sent several letters to Midland Credit Management to validate debt they claim I owe, they have failed to send proper documentation to validate the debt they claim I owe. The last letter I sent was returned back to me as insufficient address, when there notices has the address on there.
Consumer complaint received 2022-01-05
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: EQUIFAX, INC. (TX)

I was taken advantage of due to malpractice while several laws were broken under the FCRA by your company. This has caused me financial injury and defamation of character.
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (NY)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2021-07-09
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: EQUIFAX, INC. (IL)

On XX/XX/XXXX I sent a verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a second verification request to Equifax and received no correspondence back. On XX/XX/XXXX I sent a third verification request Equifax and mentioned how I have not heard back since XXXX and XX/XX/XXXX and have received no correspondence back. On XX/XX/XXXX I sent a third request to dispute my bankruptcy and mentioned the dates I sent letters and advised they have 30 days to respond and asked that they delete the information
Consumer complaint received 2022-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX In accordance with the fair CREDIT REPORTING ACT XXXX  ACCOUNT # XXXX  # XXXX XXXX # XXXX XXXX  # XXXX HAS VIOLATED MY RIGHT 15 U.S.C 1681 SECTION 602 A. States i have the right tp privacy.

15 U.S.C 1681 SECTION 602 A. SECTION 2 IT ALSO STATE A CONSUMER REPORT Agency can not fumish a account without my written instructions
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc. (OH)

I have a few items that I need to review for some legal proceedings. I would like a a full report and my full XXXX  from XXXX XXXX. Please forward me a copy of my Sage Stream and XXXX XXXX reports as well.
Consumer complaint received 2021-07-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (CA)

I would like to claim negligence by Chase. They should protect me as their client ; however, they failed to protect me and fail to investigate the claim. They did not live up the expectation that such big company is expected to give to their client. 
On XX/XX/2021, I was victim of voice phishing. The scammer had spoofed Chase Banks number and I was scammed for {$2000.00}, by XXXX. Right after I realize that was scammed, I called Chase and was put in hold for more than an hour, so I had no other choice than going to the local Chase bank to explain my situation. They put hold on my account, and I was told to wait that they will investigate my claim. They also told me that I need to go to XXXX XXXX bank and to talk to them because the recipient is an account holder at XXXX XXXX. I knew this because the person at my local Chase bank was able to me track the recipient and found a XXXX XXXX account as well as the last 4 digits of the account number, also I received multiple emails saying to confirm my account to receive money. We went to XXXX XXXX and after checking my info in their databases they concluded the person who scammed me was using my name and email but after checking my socials I did not have any accounts with them, they gave us a phone number to call fraud department. We called and they told us to wait for Chase bank, that they will communicate with each other to investigate the case. I told XXXX XXXX that I am certain that the money was transferred to XXXX XXXX bank account, because they used my email to open a new account at XXXX XXXX. They fraudulently opened an account at XXXX XXXX to steal money from me. Thus, XXXX XXXX Bank also must be responsible for this claim. 

The next following morning not even after a full 24 hours in the morning, I had received a statement from Chase through my Chase mobile app stating that under my authorization and agreement that they will not be taking any action and the inquiry was now closed. This especially confused me since I have never discussed not taking any action and have agreed to close the inquiry. I was assured over the phone by Chase bank that they would work hand in hand with XXXX XXXX and update me on any finds regarding my claim, but I received no updates, no resolutions, just a statement stating that the inquiry was now closed, and they will not be taking any action. I even called after receiving the statement and was put on hold for more than 2 hours and called back the following day, and the lady I was speaking with could not explain in her own words what the resolution was and why my inquiry had been cut short without any investigation. Just repeating the same thing over and over again and I was not satisfied with the answers. It seemed to me that they just wanted to cancel my claim without any right of fair investigation. 

CHASE CLAIM # XXXX
Consumer complaint received 2020-04-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (CA)

Re : Notice of Dispute Pursuant of the Federal Fair Credit Reporting Act I recently obtained a copy of my consumer 's credit report and dispute the completeness and accuracy of the following information. This information is injurious to my consumer report and I request that it is corrected immediately. The information I am disputing is as follows : Please remove this from my records. It is inaccurate/outdated information. Date opened states XX/XX/2012 more than 7 years old. The act states negative items must be removed from the credit report seven years from the first date of delinquency.
Consumer complaint received 2016-08-10
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (NC)

Logged onto Chase to pay my mortgage in XX/XX/2016. I made the payment. It appeared to have gone through. One month later I received a late payment notice by mail. Chase did not call me or send a reminder letter. Now I have a {$59.00} late charge and a late payment notice on my credit. Immediately went online to pay after receiving the late notice, logged in the payment. Again it did n't take. Called Chase direct and paid it that way. We never had any sort of problem when XXXX XXXX had the loan for the previous 4 plus years, prior to Chase taking over. 
It seems like Chase is setting borrowers up for failure so they can make extra money on the late fees.
Consumer complaint received 2021-07-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: N26 Inc. (CA)

All of my funds were locked for a security validation. I have spent 2 weeks trying to submit my ID to this bank and they told me they closed my account and mailed me the check I just called and I was told my account was never closed. THEY ARE STEALING MY MONEY!
Consumer complaint received 2021-07-09
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: Exeter Finance, LLC. (NY)

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 EXETER FINANCE LLC Account Number : XXXX This is not mine. 

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

3. Identity Theft U S DEPT OF ED/XXXX Account Number : XXXX This is not mine.
Consumer complaint received 2016-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: COAST PROFESSIONAL INC (NC)

I received a notice from Coast professional that read if you wish to repay this debt voluntarily, you must contact our representative with 15 days of the notice. I did just that and after negotiating a payment plan, I was told it would not avoid wage garnishment. I agreed to the payment quoted and a manager got on the line to advise that i still would be garnished. I 've met both deadlines so I 'm unclear of why the letter is so misleading.
Consumer complaint received 2021-07-08
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Pinebrook Holdings, LLC (LA)

Shreveport cash on XXXX XXXX called my reference or my friend/co-worker aunt who was not listed as my reference, because they had the wrong number for my friend on XX/XX/XXXX they called a XXXX XXXX the AUNT of my coworker and a friend of the women who help assist with the loan the loan agency Shreveport cash then told the 3rd party person or my co-worker aunt again not a official reference I put down that I was defaulting on a loan.. the agent of Shreveport cash gossiped and said things that were personal and or embarrassing I dont know my friends aunt like that and my personal business was told to that 3rd party person without my consent
Consumer complaint received 2021-07-08
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP (NC)

I paid off the lease on XX/XX/XXXX. 
I live in an Electronic Lien and Title state where this should have been electronically processed with the North Carolina DMV immediately - yet they have yet to receive any notification that the loan has been paid off. In the DMV records, they sent the paper title to US Bank in XXXX at the initiation of the lease and it is still marked as 'leased '. 
I have spoken with many different departments at US Bank over the course of the months requesting that the ELT process be redone - to which they said that was impossible. 
Then US Bank said they would send out a notarized Release of Lien to enable me to get the car titled in my name at the DMV yet as of today, XX/XX/XXXX - I have not received that. US Bank is unable to give me any tracking information on this document though they said they sent it on XX/XX/XXXX to my current address. 
When I speak to them they are unwilling to reinitiate and send in a trackable format. Each department sends me to a different department, saying they will " look into it. '' I feel like they have effectively stolen the car from me. I paid them, yet I have no proof I own the car so I can not sell the car - which I need to do immediately.
Consumer complaint received 2016-09-11
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (MD)

I use an American Express Blue Cash Rewards card which gives 5 % cash back reward on spending on gas and in supermarkets after spending {$6500.00}. I reached that limit in XXXX 2016. However, for the following months of XXXX, XXXX, XXXX, and XXXX Am Ex continued to pay me 0.5 % - 1 % reward as if I had not reached the spending threshold for receiving the higher reward. I contacted them numerous times over the past 5 months and was just given the runaround. My estimate is that they owe me between {$130.00} - {$140.00} in cash rewards.
Consumer complaint received 2017-03-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (FL)

M & T Bank and XXXX Bank NA did a fraudulent foreclosure on my homestead home. I 'm the person who is name is on the note & mortgage that these XXXX Banks presented to the court. My original complaint was to XXXX, case # XXXX, but XXXX 's response is that they had transfer the loan to M & T bank, but the only name on the plaintiff is XXXX. These XXXX banks have put a cloud over my deed and foreclose on my with out bringing me in the case, this is fraud. Because a bad loan modification that XXXX did & denied in court that it happened.
Consumer complaint received 2021-07-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft. Please use this report as my record of the events as my local police told me to file a report on identitytheft.gov in place of filing a police report.
Consumer complaint received 2016-07-28
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Hollis Cobb Associates (FL)

On XXXX XXXX, 2016, I received my first communication regarding a supposed debt from Hollis Cobb Associates, which is a collection agency. The agent, however, failed to advise it was a call from a debt collector but instead falsely advised it was a call from a doctor 's office. Moreover, the supposed debt is invalid, yet I was not provided the information required by the FDCPA in an initial communication so that I can submit a written dispute and request that I receive no further telephone communications.