davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc. (CA)

NCB Management Services , Inc. has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent four certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( receipt attached ) and XX/XX/XXXX ( receipt attached ) requesting verification that the alleged debt ( {$4400.00} ) is mine, including any documents bearing my signature agreeing to this alleged debt. NCB Management Services , Inc. has responded to the letters from XX/XX/XXXX XX/XX/XXXX with printouts of a bill and itemized documents ; however, they have just responded with a letter only to the request for signature validation on XX/XX/XXXX letter which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt, that this account, including the Original Creditor ( XXXX ) be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.
Consumer complaint received 2018-07-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (MI)

I have an existing complaint in with XXXX  XXXX XXXX. I have applied for Public Service Loan Forgiveness, original application date of XX/XX/XXXX. It appears that they have tried to appease the complaint, however not to my satisfaction as the information they have fed back to me is grossly inaccurate. 

I have been employed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a XXXX  XXXX XXXX XXXX XXXX XXXX organization since XX/XX/XXXX. My Human Resources director has verified this with XXXX  XXXX XXXX, and they told me they have record of that verification. 

I have recently received a letter from XXXX XXXX XXXX stating that my beginning date of employment was XX/XX/XXXX ( the date I applied for PSLF, not the beginning date of my qualified employment ). They are only counting payments that were made from this date, which is 11 payments. This is inaccurate, and I believe they are only counting payments that were made once I applied for PSLF and my loan was transferred to them as a servicer. I was previously serviced by XXXX and XXXX. I have made every single payment on time since my employment began in XXXX, so I should have around 80 qualifying payments. This means they are putting me about 6 1/2 months back in the whole process of loan forgiveness.
Consumer complaint received 2018-07-03
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (TX)

This company bought by loan a month after I purchased my loan, they are not honoring the terms of the previous loan by charging to pay {$12.00} by automated phone call, or making an additional charge of making a payment after 5 days, 10 up to 15 days a specified amount. My previous terms, free over the phone, late after 15 days past due date. This company you must pay on line in order for it to be free. The web site is continuously down, the wait time is awful, today I waited on numerous occasions, recieved 5 passwords that wouldn't work, my old password wouldn't work, I'm just trying to make a payment before the 5 that of the month. I haven't had paperchecks in over 15 years so I can not mail.Frustrated with the business operating practices.
Consumer complaint received 2018-07-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc. (TX)

I was under that protective XXXX  Credit reporting agency " XXXX XXXX '' which they contacted me by email that there was a change on my report, that ' when i seen all these little amounts of {$42.00} {$56.00} {$31.00} & so on which i have never received or had any out standing balances of those amounts.After gathering info on who filed that on my credit report, i found out it was Credit Systems International, the actual amount filed with them that i owe is {$190.00}, not these small increment amounts! They are filing false amounts to make it look like i have all this debt i owe. Credit Systems has made no attempt to contact me. I feel at the least that it is unethical & or guidelines or laws have been broken.

Including the fact that XXXX is aware of this practice! 
The mailing address of Credit Systems International is : XXXX  XXXX XXXX XXXX, Texas XXXX, their phone number is XXXX.
Consumer complaint received 2024-11-02
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. (MI)

I XXXX XXXX XXXX a victim of Identity theft.The unauthorized inquiries which were inflicted on my account demand removal and deletion.XXXX XXXX XXXX XXXX XXXX inquiry date XXXX XXXXThis inquiry is in fact fraudulent which is grounds for removal.I demand Equifax remove this inquiry just as XXXX has already removed such fraudulent inquiries.
Consumer complaint received 2018-07-03
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. (MI)

XXXX has a inquiry breach, and all the inquiries on my report from XXXX to present are not by me! Also someway somehow the XXXX XXXX XXXX affected me with the inquiries! And for some odd reason the same exact inquiries from XXXX, have appeared on my 2 other credit reports! There are over 70 CREDIT INQUIRIES ON all 3 of my reports and I have tried over 5 times with all 3 credit bureaus with no resolution at all, PLEASE HELP MY FAMILY AND I! I was affected by XXXX and there negligence in protecting my information! Please have them and the other 2 credit bureaus remove the inquiries! I have reached out to XXXX and XXXX AND EXPERIAN OVER four times, most recently the first of XX/XX/XXXX, but they keep blowing me off and giving me excuses! Please I need your help, I have XXXX kids and this has hurt my credit and caused me to have XXXX credit card companies to close my accounts! Thank you in advance for you help and hopefully the resolution to this matter!
Consumer complaint received 2018-07-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Center, LLC (CT)

I received a letter from " XXXX '' of XXXX stating that I owed {$20.00} due to an unpaid medical bill from " XXXX XXXX XXXX XXXX. '' After calling and speaking with them and making it clear that I have never visited a place called " XXXX XXXX XXXX XXXX '' she said " Well, we have your name, your birth date, how else would we get it? '' I made it clear that I was not paying until I found out if this was legitimate. She gave me the date of service but said she " had no other information. '' I called my doctors office, confirmed that I had visited on that date, paid on that date ( as per my credit card statement ) and that I had no balance due. I believe this company is simply attempting to collect money from anyone who will give it to them, regardless of whether debt is owed or not. The letter I received from them states that there will be a delinquency on my credit report if this is not paid.
Consumer complaint received 2018-07-04
Product: Credit card or prepaid 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: U.S. BANCORP (CA)

XXXX XXXX XXXX falsely claims that I have not paid a charge of {$52.00} ( for XXXX XXXX XXXX ) and now demands that I pay it. I paid the {$52.00} at issue back in XX/XX/XXXX. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX ( attached ) whereby XXXX threatened to report me to four credit reporting agencies if the {$52.00} is not paid. Moreover, I have always paid my credit card statements in full, so XXXX demand makes no sense. 

I have spoken to numerous people at XXXX XXXX XXXX trying to resolve this issue without any success resulting in wasted time and emotional stress. Even though XXXX XXXX XXXX acknowledged on XX/XX/XXXX that the {$52.00} was paid in XX/XX/XXXX, it still stands by its XX/XX/XXXX letter. On XX/XX/XXXX, an XXXX representative and her supervisor vehemently insisted that the XX/XX/XXXX letter had nothing to with the {$52.00}, but just a letter they routinely send out to remind people to pay on their balances. However, a simple read of the letter contradicts XXXX XXXX XXXX claim. I am very concerned that XXXX XXXX XXXX false claim will severally affect my credit rating, especially as a senior citizen. 

Attached is the XX/XX/XXXX statement clearly stating the {$52.00} had been pay after it had been reinstated in the XX/XX/XXXX statement ( attached ) with a total balance due of {$820.00}. The {$820.00} was paid in full in XX/XX/XXXX.
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. (PA)

I went to college as an adult learner and graduated from XXXXXXXX XXXX College in XX/XX/XXXX. I was in my early XXXX 's at the time and started a family in the year XX/XX/XXXX. I did put my loan into forebearance for a few years when my child was small and I was only working 2 days per week. 

Sallie Mae/Navient wanted an extremely high monthly payment when I left the forebearance status. Of course I was unable to meet that amount and asked for " options. '' I feel as though I was misled by these options in that now ... .at age XXXX ... .. ( 20 years after the loans were initiated ) ... XXXX owe {$3000.00} MORE than I originally borrowed even though I have been paying steadily since sometime in XX/XX/XXXX. In some years NOTHING went toward the principal .... for example in XX/XX/XXXXI paid {$1700.00} to Sallie Mae/Navient ... .. of that {$1700.00} ... ... a mere {$49.00} went to the principal based on my account history online. This is appalling ... and the interest just kept tacking on!! 

I just recently put a lien on my " paid-off '' home and took out a home equity loan to pay Navient off .... because I don't want them to get another dime from me! However, I feel that if there is some type of illegal practices suit against them, I would like to be considered for reimbursement. If nothing else, let this complaint serve as a means to warn future borrowers against their deceptive tactics. 

I would be happy to provide my name, account information, etc. 

I can be reached at ( XXXX ) XXXX
Consumer complaint received 2018-07-02
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NC)

I received a letter in my mailbox a few days ago from a company called XXXX or " Fair Collections & outsourcing '' regarding a debt that I supposedly owed this company called " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' for {$3200.00}. I was shocked at first because I did not borrow any money, take any loans out, or owe any debt to anyone. 

I originally thought that the letter was fraudulent and that both companies were fake because I didn't owe any debt to anyone. I waited until the next day and I called XXXX in order to find out what's going in. They tried to pressure me into providing them with my social security number, birth date, and other personal information but I refused to give them anything due to the fact that they seemed really suspicious and the debt is a scam. 

I told them multiple times that the debt is not mine, and that I did not sign anything or owe any company any money. I had also checked my credit report and it was showing that I owed no money, loans, or debts to any collection agencies or companies. 

I informed that they either made a mistake or that someone has stole my identity and is attempting to take out loans with it. I asked them if any of the paper work they had on their end contained my signature or any personal identifiers and they told me no they didn't. They said that the lease they had on their end from XXXX XXXX XXXX XXXX only had my first and last name on it. 

I asked them to remove my information from their system and not threaten to submit a negative credit report to a credit reporting agency about me because this is all a scam or just plain out identity theft. 

That's when they started hanging up on me, refusing to allow me to speak to their supervisor, putting me on endless holes and refusing to answer my questions. They also kept asking me to pay the debt even though I informed them that I do not owe any money to anyone or any company and that this is identity theft. 

Please help me because these individuals and the company their supposedly trying to collect the money for are clearly scammers.
Consumer complaint received 2018-05-30
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (CA)

I am writing to you with the request for help in recovering {$50000.00} that was stolen from my Chase checking account. 
On XX/XX/XXXX I noticed unfamiliar charges on My Chase bank checking account from some unfamiliar XXXX accounts and I has called the Bank and XXXX and reported the problem. 
The unauthorized transactions started from XX/XX/XXXX until I noticed it on XX/XX/XXXX. 
Total of approximately {$50000.00} was stolen from my checking account via multiple XXXX transactions where the amount was gradually increased from {$15.00} to {$3900.00}. I am attaching the list of all fraudulent transactions. 
I filed the claim with the Bank and they refunded me just {$2900.00}, the amount that was stolen within 60 days from when the transactions started. This amount was obtained by the Bank by reversing those XXXX transactions that were made within 60 days from beginning of fraud. I am attaching the letter from the Bank. 
I filed the claim with XXXX, and they found that a female person in US used her XXXX account and somehow got access to my Chase checking bank account and used her XXXX account to steal money from my Chase checking account. 
XXXX told me that they are willing to return all stolen money as soon as Chase will send a request for it. Specifically, XXXX is asking that Chase reverse all remaining transactions that were made from XXXX, i.e. charge the XXXX back. 
But Chase refuses to reverse the transactions that go beyond 60 days. 
As a result I can not get my remaining {$47000.00} money back. 
These money is my lifetime saving and it is critical to me to recover them. 
I looking forward for your help.
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NC)

We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. XXXX says they deleted the item but XXXX refuses to remove it and that is affecting our Experian and XXXX  report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XXXX   did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XXXX  by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.
Consumer complaint received 2018-05-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: DISCOVER BANK (TN)

I tried calling Discover Credit Card services to find out how they calculated my monthly interest rate. I know that it is now calculated based off 2 factors : your daily periodic rate and your average daily balance. I could not find out how they came up with the amount they provided for my average daily balance and called customer service for assistance. They could not provide how they came up with the number and I asked to file a claim. She said she would express my issue with someone higher up, but I still dont know how they came up with the amount and it was never explained. I will be looking further into my other credit card companies as well to see if it possibly exists beyond Discover. I just got off the phone with Discover as soon as I began writing this complaint. I believe millions of customers are being get XXXX XXXX by credit card companies and have been for longer than Id like to think. When they charge you an interest rate, it should be clearly explained on how that number was calculated. And I fee that you use be able to use the same formula, plug the same numbers they used, and get the exact same amount they did. If you cant, somethings wrong ; which could possibly mean they are overcharging interest.
Consumer complaint received 2018-07-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Capital Accounts, LLC (TX)

Capital Accounts is reporting {$2800.00} as a collection account due to a charge off from XXXX XXXX. I have been paying $ XXXX/monthly to this Dr office and was not told until last week that they are a separate entity. One that is not on my provider list for insurance. I have not received a bill so assuming the {$100.00} was taking care of any outstanding balance due. I should not be held liable for this as a collection item and would like it removed from the 3 credit bureau agencies.
Consumer complaint received 2018-07-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (IL)

I have filed complaint after complaint about this bk EQUIFAX REMOVES IT AND REINSERTS AT THEIR LEISURE ... adding inquiries i have no knowledge off as well .... this bk is not mine and equifax reinserted it with no confirmation this belongs to me i have attached a copy of the screen FROM THEIR WEBSITE WHICH STATES NO PUBLIC RECORDS YET I GET AN ALERT SAYING A PUBLIC RECORD WAS ADDED
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: Convergent Resources, Inc. (OH)

Received an alert on my credit report from XXXX, XXXX and XXXX that XXXX accounts had been posted to all 3 credit bureaus. Contacted XXXX XXXX on XX/XX/XXXX advised them that it was result of " identy theft '' and account was opened fraudulently and without my authorization. This is my 2nd if  not 3rd time reporting this to XXXX. Convergent advised me to contact XXXX ( again ) I did and spoke to XXXX who reported XXXX accounts in the amounts of {$110.00} opened XX/XX/XXXX and closed XX/XX/XXXX and  also account for {$720.00} opened in XXXX and closed in XXXX. I think the phone number belonging to one of the accounts was XXXX. XXXX couldnt give me much information on one bc apparently the person who opened the account put a password on them so they couldnt tell me much, but they did report them. Confirmation number given by XXXX at XXXX is # XXXX. Please remove these accounts from all 3 credit reporting agencies. I will be attaching a notarized " Identy Theft Affadavit '' form and also a police report. PLEASE REMOVE THESE ACCOUNTS and send me a copy of the updated reports showing they were removed.
Consumer complaint received 2018-07-02
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Back in XX/XX/2012 I had a personal check stolen from me and it was thru Bank of America a new account. The check was stolen from me by a family member then deposited thru atm at a XXXX XXXX XXXX in XXXX TX for XXXX cash.. Bank of America processed it then took the funds back. i filed a complaint thru XXXX XXXX telling them who did it etc. It involved another family member which is on camera and she would not press charges against the person that did this.. I have an XXXX XXXX against me and can not open a brick and mortar an bank account. The check was somehow sent thru again. I disputed thru XXXX XXXX XXXX and Bank of America still denied. I am a victim of identity theft what can be done at this late tme.. I cant get thru a direct line or person at Bank of America they send me in a circle w XXXX XXXX. Ive completed all my appropiate paperwork. Done this 2xs ...
Consumer complaint received 2018-07-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MA)

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.