davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MA)

We Continue having a credit reporting issue, from all credit agency  XXXX   XXXX , Equifax,  XXXX . Reporting that we still have an auto loan from  XXXX   XXXX   XXXX    XXXX   that no longer exist. We continue to ask this issue to be corrected without success. Any help with this problem would be appreciated.
Consumer complaint received 2018-07-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (DC)

On XX/XX/2018, I received an email that the IDR repayment plan would end on XX/XX/2018 if I did not reapply by XX/XX/18. 

I reapplied that same day and received notice on XX/XX/XXXX that the application was received. On XX/XX/2018, I received an email that the payment next payment due on XX/XX/2018 will be {$2400.00}, which is much higher than the current income driven play payment of {$420.00} and several months ahead of the scheduled end date of XX/XX/2018. 

Next, I received an email on XX/XX/2018 stating that the renewal IDR application was approved and the new payment would start after your current plan expires on XX/XX/18. Notice that the end date for the current IDR plan changed by 30 days! The notice I received also did not include the new payment amount, but said the new payment amount would start after my current plans expires on XX/XX/18. However, the initial end date was XX/XX/2018. 

Despite all of this, the current status on my account states that the next payment is due on XX/XX/2018 for {$2400.00}. I have contacted them to resolve this issue and have not received a resolution. 

By inaccurately reporting the payment amount, erroneously scheduling IDR expirations dates, and sending notices with little information, Navient is forcing borrowers away from affordable payment options and imposing unnecessary reliance on forbearance, deferment ( if available ), and delinquency -- all of which are unacceptable and illegal due to the tyrannical nature of Navient 's actions. Please take action against Navient to hold them accountable and promote fairness in the student loan repayment process.
Consumer complaint received 2018-07-03
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (TX)

I'm still disputing this account after receiving a word document which provided me a view in over billing duplicate codes and no records of insurance funds being received but this office billed. This is inaccurate and I would like to get this resolved ASAP This debt is not valid and I dispute this and a word print out provided doesn't make any sense at all. I had insurance and your states you never received any insurance funds as your records show you billed the insurance two months after the visit. I would like to see the signed authorization, details on the insurance billing. It also appears I was overcharged for code XXXX XXXX XXXX  XXXX and code XXXX XXXX XXXX {$85.00} why would I have been billed twice for these. This is inaccurate information
Consumer complaint received 2018-07-12
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX, I made a subscription for an annual service on the site XXXX of U $ S XXXX. The pay was made trough PAYPAL with mine credit card since I don't have a bank account linked to my paypal. 

Then I realized that I chose the wrong option and applied for a refund that XXXX gently manage to cancel the subscription and refund me the same day ( XX/XX/XXXX ). 

Unfortunately, the refund didn't go to my credit card but yes to my paypal balance because of an " issue '' of the system. 

I contacted to customer support on XX/XX/XXXX and until today they didn't refund me my money to my credit card balance and I've already paid to my bank.
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

On XX/XX/XXXX I sent a correspondence to XXXX, XXXX ( received XX/XX/XXXX per USPS tracking XXXX and signed for by a XXXX XXXX ) in regards to this corporation being sold an alleged debt, that is not mine but is in my name. I initially request for a lawful verification of the alleged debt and advised that attempting to collect is in violation of 15 U.S. Code 1692g. I initiated this correspondence before receiving any communications from anyone from  XXXX, XXXX. On or about XX/XX/XXXX I received 3 ( three ) correspondences at once from a Resurgent Capital Services that claims to service XXXX, XXXX accounts. All of these correspondences are dated XX/XX/XXXX, which is very odd since all of the content of these correspondences say different contradictory things. One claims that I have 30 days to dispute the validity of the debt, which I already initiated on XX/XX/XXXX before receiving any communication from XXXX, XXXX  or any other organization ; another requesting an affidavit from me, when they are the ones that need to provide a sworn affidavit to verify the alleged debt, not me ; and finally the remaining correspondence claims to have provided verification of the alleged by providing so called statements which may have been forged from the alleged original creditor ( XXXX XXXX BANK ). This sending 3 simultaneous letters with different content appears to be some type fraudulent and unlawful act on the part of representatives from Resurgent Capital Services and XXXX, XXXX. Also, none of their correspondences provided anything from my initial request. I immediately responded and sent another correspondence dated XX/XX/XXXX ( the same day I received their communications ) rebuking their fraudulent correspondences, it was received on XX/XX/XXXX per USPS tracking number XXXX and signed for by a XXXX XXXX. As of XX/XX/XXXX, I have not received any response from a representative of XXXX, XXXX or Resurgent Capital Services which demonstrates to me that this corporation and it's representatives are intent on practicing fraudulent and unlawful activities. In addition to this complaint I have filed a police report with my local Police department ( XXXX Police Department TR # XXXX ) as one of the final steps before pursuing litigation. I have attached copies of my XX/XX/XXXX and XX/XX/XXXX correspondences for the record.
Consumer complaint received 2018-07-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

I opened a Bank of America card. Made 1 purchase. Made a payment-got a letter a week later that my bank reversed the payment. I confirmed that my bank did not reverse any payment and in fact BOA did not attempt to take a payment at all. This has now happened 4 times. I call a live person at BOA to confirm my account information and they process another payment, give me a confirmation number, then I get a letter a week later, my bank reversed the payment. I have several thousand dollars in my account and BOA has my correct payment information. BOA is not taking payments and then tacking on late fees and reporting me to the credit bureau. I have excellent cred and this is affecting my credit, costing me fees, causing me extreme stress, and I am spending a ton of time on the phone with BOA and never get anywhere. It appears that I have not made a payment in months!! I am at a loss and have never had this problem ever! I feel this is intentional and fraudulent to get fees out of me and the problem is not me. I just want to pay by bill! 

I recorded all calls with BOA
Consumer complaint received 2018-07-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (IN)

I had no knowledge of this account. I have talked to the original bank, several times. Filed a dispute several times. To be told it was finally resolved. Kept checking and then was told it was not. I cant send them any information, because I have no knowledge of what it is!
Consumer complaint received 2018-07-12
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: EQUIFAX, INC. (MO)

After sending at least 3 or more letters to this credit bureau. I have send Equifax several letters regarding inquires that were not appointed by me. Regarding the following companies : ( 1 ) .-XXXX XXXX-XX/XX/2018 ( 2 ) .-XXXX XXXX-XX/XX/2018 - ( 3 ) CXXXX XXXX-XX/XX/2018. The last letter send certified with tracking number XXXX   XXXX XXXX XXXX XXXX in which was received on XX/XX/2018 by Equifax and they have ignored my letter. These inquires were not appointed by me. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. Please note that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and serious breach of my privacy rights. Equifax has failed to validate this information with these companies and provide me with copies of any documentation associated with these companies bearing my signature. I requested the fraudulent inquiries be immediately deleted from the credit file that is maintained under my social security number.
Consumer complaint received 2018-07-12
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: Experian Information Solutions Inc. (FL)

I recently received a copy of my Experian, XXXX  and XXXX   credit reports. Each credit report shows more than 10 inquiries ( 22 from Experian, 12 with XXXX and 14 with XXXX  ) that I do not recall authorizing. I understand that creditors or lending institutions are  not allowed to put an inquiries on my credit file unless I have authorized it. Please have all of the inquiries removed from my credit file because it is making it very difficult for me to acquire credit. 

I have only authorized XXXX through XXXX on XX/XX/XXXX, which is the lien holder of my auto loan, to run a credit check for my current auto loan. I DID NOT VISIT ANY DEALERSHIPS NOR DID I AUTHORIZE ANY CREDIT CHECKS FOR ANYMORE AUTOMOBILE LOANS. Those inquiries are a result of identity theft and should be removed due to possible fraud. I have extended fraud alert on my XXXX credit file. Experian and XXXX is supposed to have fraud alerts as well but when I received a copy of my credit reports, I did not see an alert on Experian or XXXX. I also have an open case with XXXX Police Department for identity theft - Criminal Report # : XXXX. 

I have tried several times to submit a dispute online on each CB website but keep running into an error stating I can not dispute online. 

I am disputing these inquiries on Experian : XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX CXXXX XXXX XXXX  XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I am disputing these inquiries on XXXX : XXXX XXXX - XXXX XXXX, XXXX XXXX XXXXXXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX   is also reporting a fraudulent address. I need the address removed because I have never lived at that address : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, GA XXXX. This address is attached to the police report for identity theft.
Consumer complaint received 2018-07-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION (MD)

I have a loan with NAVY FEDERAL CR UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( Bureau ) and NAVY FEDERAL CR UNION with no successful resolution. ( Bureau ) was the only one / were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Consumer complaint received 2018-07-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY (VA)

On XX/XX/2018 I received a letter from American Express telling me that " We may begin sharing your information with out partners. '' I called the company to again tell them that they should not share any information or solicit me in any way. Through an automated phone system I was offered seven ways to turn off sharing, but several would be automatically reinstated in 3 years or others in 5 years. I called to talk to a person and was told that there was no option to permanently turn off sharing my information or marketing to me. They were also unable to tell me if my state offered a longer protection for my settings to stay in place. When I went online there was an eighth setting for privacy which was still selected in which they had the right to sell my purchase information. I had to turn this off separately and was not part of the phone options.

I would like a way to keep my privacy settings in place permanently. And I think telling me over and over again that there were only 7 settings and withholding the 8th setting is fraudulent.
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Machol & Johannes, LLC (CO)

in XXXX I had set up payment arrangements to pay off two credit card debts this company took control over. I missed 2 payments so on XX/XX/XXXX the company garnished from my bank account the remaining balance and the debt was satisfied. On XX/XX/XXXX this company garnished {$470.00} again from my bank account. After contacting the company and confirming that this is THEIR mistake and that the debt was previously paid off they continued with the garnishment and took the money from my bank account. Several attempts via phone were made to try and contact them and have the money released by to me and they would not answer the phone.
Consumer complaint received 2018-07-12
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. (FL)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.
Consumer complaint received 2018-07-12
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. (FL)

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have noticed that an account for XXXX XXXX about account # XXXX which does not belong to me and is a result of identity theft. The item I am disputing do not relate to any transactions that I made or authorized. Please remove or correct this information at the earliest possible time. Contacted tried to resolve this matter with the bank TRIED TO CONTACT THIS INFORMATION WITH XXXX XXXX and spoke with XXXX at XXXX and he created a Fraud File # XXXX. As required by section 611 of the Fair Credit Reporting Act, I am requesting that item be removed immediately to correct the information.
Consumer complaint received 2018-07-11
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. (DE)

Fraud Inquiries on my credit report not Authorized by me from XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX and on XX/XX/2018 from XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2018-07-11
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

Greetings, I opened a banking account with USAA on Sunday and I deposited {$25.00} dollars from my other banking institution and on Monday, I also spoke with an agent in regards to the account and she told me that everything was perfect and that my personal check and debit cards is on the way to my house for myself and my wife. 
Today, as I was revising my account, I noticed that the {$25.00} was OFFSET, so I called USAA and the agent informed me that the {$25.00} was used to pay a debt I supposedly have with USAA for the sum of 5 thousand dollars plus, which is completely bogus and I told her thank you very much and she also informed me not to deposit anything into this account because they will take it to offset the negative accounts. 
Now, let me fully explained what happened with USAA and the abuse and unjustice they caused me and my family during the year of 2012 when we were in the XXXX XXXX. My card and all of my personal items was stolen by armed robbers and they used my cards to go on a spending streak, now when i called all of my cards company and banking institutions as well as the US embassy in XXXX XXXX, everyone and companies was very helpful and closed my accounts and reimburse all cash that was fraudulent. Except the big boy USAA and one of its representative that was so rude to me stating that i had log in my account why did i not say anything and that it was not a fraud claim and there's nothing that they could do for me. I couldn't argue or anything because they did not give me any opportunity. I never in my life felt so direspectful by a company and abused by a company like USAA and I need help now, because they are the ones who owes me {$5000.00} dollars for suffering, I had to borrow money in order for me and my family to get back in the states and this is not the first time that I've heard about this type of unjustice. These agents are above the law, rude and treat you like you are the robbers it is time to get justice, I had let it go since I couldn't win but for them now to take {$25.00} from me to open a new account which they allowed me to open it's reason enough to show the unjustice of this company and yet they keep saying that they are out to help military and their families? where is the help USAA?
Consumer complaint received 2018-07-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: A.R.M. Solutions, Inc. (NM)

I received a phone call in from A.R.M. collections on or about XX/XX/2018, attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX. I had just installed a solar system with XXXX XXXX through XXXX and then financed through there finance company XXXX XXXX. 
I then told A.R.M. to send me the collection letter which I received yesterday, XX/XX/2018. I then proceeded to call XXXX XXXX, XXXX, and XXXX XXXX, to find out what exactly is going on with my account with all of them. They proceeded to inform me that there was no debt that was in arrears with all three companies ; XXXX XXXX, XXXX or XXXX XXXX. 
I'm assuming this must be fraudulent however A.R.M. was very persistent, I have called the New Mexico Attorney generals office and they could not find A.R.M. in there files as a valid company. So, if there is anything that you can do to help me or anyone else with this information, it would be greatly appreciated. 
XXXX XXXX XXXX
Consumer complaint received 2018-07-03
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. (PA)

I originally filed this complaint with your agency under complaint # XXXX. 
The issue is not with the XXXX Card that was opened in 2000. This is a new XXXX  card that is under my daughter 's name and I am an authorized user. I have been an authorized user for approximately 10 months and no information is being reported by Experian. I have spoken with XXXX and they said they have been reporting this information to Experian.
Consumer complaint received 2017-06-09
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Onity Group Inc. (CA)

On  XX/XX/XXXX  O cwen Loan Servicing LLC, said it was No Longer Servicing this Loan #  XXXX  on a letter sent in reply to CFPB a government Agency.   On or about   XX/XX/XXXX  Oc wen Loan Servicing LLC posted property Inspection fees, Legal Filing Service Fees and a GSE-REO Liquidation transaction.   How is this Possible? When the on   XX/XX/XXXX  th ey show a Loan disbursement of  XXXX , to WHO?   They show force placed  Insurance  on   XX/XX/XXXX     XX/XX/XXXX , XX/XX/XXXX .    On XX/XX/XXXX there is an alleged sale  XXXX   XXXX  County Recorders Document #  XXXX  from  XXXX  to  XXXX   XXXX .   and in   XX/XX/XXXX ,   Document  #  XXXX  from  XXXX   XXXX  to  XXXX  and  XXXX   XXXX .   On     XX/XX/XXXX    Ocwen Loan servicing, LLC  shows  6  transaction occurring on that day.   How is this possible since they stopped servicing this loan in   XX/XX/XXXX 6  and it sold twice since?   Also If They did a Full Credit Bid they are precluded from collecting its debt.   Did they Pay  Cash  in Lawful Money of the United States? Please show the receipt and proof of funds .Document #  XXXX  See attach ed 1 )  So what was it   a Purchase? A Credit Bid.
2 ) Was Loan Disbursed? Insurance paid it? or was it Sold?
Ocwen Has violated Title 15 U.S.C 1692c ,1692e,1692f,1692g,1692h,1692i,1692j .  Evidenced by their own admissions to the CFPB complaints submitted.   Also Unjust Enrichment, Filing false insurance Claims, and other Financial Crimes R.I.C.O. related