davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I want to report my ID stolen. I was looking to buy a car this weekend and I pulled my credit report and found addresses and bills that do not belong to me. 
someone is using my Name and ID to open accounts. I have never had a loan with XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX , I cant find any bills or records of me doing any business with theses companies. I have filed a report with the FTC and CFPB. Not sure what else to do. I have turn in the paperwork to the companies as well
Consumer complaint received 2019-07-13
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: AES/PHEAA (DC)

I submitted a direct debit dispute form to AES on XX/XX/XXXX. However ; the company failed to remove the 60 day delinquency from my credit reports by the three reporting agencies. I was notified in XX/XX/XXXX by XXXX XXXX XXXX that my loan was being transferred to AES. I was informed that I must make telephone payments until my direct debit form was received. I made a telephone payment on XX/XX/XXXX. My payments from XX/XX/XXXX through XX/XX/XXXX were automatically deducted. Since additional principal payments were paid on my account, another payment wasnt due until XX/XX/XXXX. As a result of an AES internal billing error, my monthly payments were not withdrawn from my bank account. This information was confirmed by an AES representative via the telephone. AES has not taken any action to remove the delinquency from the three credit reporting agencies.
Consumer complaint received 2019-02-12
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. (TX)

On XX/XX/2019 I called in to make a final payment for the full amount of my loan ( approx {$4100.00} ) and need to use my VISA Signature rewards cards to gain the points. They are refusing to accept my payment via cc. This is how I need to pay the balance in FULL. They keep bouncing me around to " supervisor '' to " supervisor '' and are not very helpful on the phone. The last supervisor I spoke with is XXXX with employee ID XXXX. I'm still on hold for another " Supervisor '' but I'm not hopeful. I'm literally trying to pay the balance in full however they will not accept the payment.
Consumer complaint received 2019-07-13
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY (GA)

Right now I'm in mediation ... with Wells Fargo. waiting for a confirmation letter from the on phone meeting with Wells Fargo mediator. We ended with, I should call XXXX and ask for another meditation form for home inprovement department. Starting to feel like Wells Fargo is blowing wind. I'm waiting for a summary from my retirement 401k so I can send Wells Fargo proof positive I had the money and they took it.
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capital Accounts, LLC (NY)

I have made payments to Capital Accounts in the amount of XXXX ( receipts attached ) for a dental bill that XXXX XXXX XXXX has turned over to Capital Accounts. The original bill is XXXX. The original letter from Capital Accounts stated I owed XXXX with interest charged to the XXXX. After paying the XXXX a balance of XXXX remaining. Today I called Capital Accounts to offer them XXXX to close the account. The representative refused and also stated my balance is over XXXX. I asked to speak with a supervisor or manager. The Representative stated that he was the supervisor and they do not settle accounts. Capital Accounts is charging an extreme amount in interest keeping me hostage to a debt already paid. 
Originally XXXX XXXX was never owed this money, because they did not complete the work leaving me to seek another dentist ( XXXX XXXX ) completed the work ( both original bills are attached )
Consumer complaint received 2019-07-13
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: Paypal Holdings, Inc (IA)

PayPal is trying to charge me for purchases I made with my XXXX XXXX account, 2 purchases totaled {$1000.00} and I owe my XXXX XXXX a balance of approximately {$530.00} after XX/XX/XXXX, this is extortion. I have documents and bank statements showing my payments to XXXX XXXX, PayPal balance is the company my complaints are about, Im on XXXX and Im having health issues over this because of the stress, theres no talking to PAYPAL as Ive got records of over 30 calls to them and have Also sent my bank statements. This is extortion and fraud on PAYPALs behalf, I took my XXXX XXXX card off the PAYPAL site after they tried to collect money from one of those purchases I paid off 2 days before they sent me an email saying I owe them. They also stole my {$30.00} credit I received from PAYPAL credit because they took a payment out of my bank 2 weeks before it was due and deducted it from the {$1000.00}, so now theyre saying I owe them {$1000.00}. I have since closed my PayPal credit account and the Paypal balance people wont take my bank or debit card off their site until I pay them, those are 2 charges {$940.00} & {$86.00}, the {$86.00} was paid in full on XX/XX/XXXX and I have a balance of approximately {$530.00} on the other purchase, both the charges on on my XXXX XXXX account so why is Paypal trying to extort this money from me also? You need to look into this because its fraud on what Paypal balance is doing. I dont have my card any longer but I put a case # instead of where the card number was supposed to be so you should be able to find it by that, its their Paypal Balance account, and they will no longer let me log in because they said I have an outstanding debt ...
Consumer complaint received 2019-07-16
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC. (AZ)

midland funding is trying to garnish payments from my checking account without ever notifing me, emailing me, sending me mail, phone calls nothing. I have not heard from them in 10 years since they took me to court. The very old debt is with XXXX XXXX an east coast clothing compant that was one of those mail order credit companies. never had a credit card with them. The XXXX XXXX XXXX account was open in XXXX and its XXXX. They have been harrassing me for a few hundred dollars from when I was a kid ( young twenties ) They have accumliated the amount to {$2100.00} with all there fees court cases lawyers and were taling for a few hundred. This debt is almost 20 years old.  So last week my bank sent me mail that they tried to garnish my account and it was the first time i even heard of midland company and there lawyers. I called them and they said there going to go after me until XXXX and that I ower over XXXX and if I dont pay all of asap there going after my account account again.. They were so rude and demeaning to me and wouldnt even try to work somthing out with me. There has to be some kind of law about that attacking me out of nowhere not even knowing who they were and never reciving one phone call or piece of mail. I had to hear through my bank.. I feel like this couple of hundred that I owed to this mail order company is way too old and not even the correct amount there trying to sue me for.. what can I do? 
and they also have my husbands name who i wasnt even married to at the time.
Consumer complaint received 2019-07-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On XX/XX/2019, I used my credit card to pay for my flight baggage. The credit card is marketed as reimbursing the first {$100.00} in qualifying airline   incidentals per calendar year on qualifying airlines. I overall spent {$60.00} for 2 bags, and this is my first time attempting to use this credit. The credit card terms state that it should take 2-4 weeks to be reimbursed. I called the credit card company first proactively to ensure that I would be reimbursed. I was assured that it takes time to post. Then, I called 2 more times after that when the credit did not post in the supposed time frame. I left roughly a week 's time between each call. Nobody has reached back out to me since my last call slightly over a week ago, nor have I seen an adjustment on my account. I have paid the outstanding balance in full and have complied with the terms and conditions.
Consumer complaint received 2019-07-13
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A. (TX)

I reported a fraudulent charge in the amount of {$30.00} to a Macy 's store in Florida on XX/XX/XXXX. I pressed them for months to provide an update and resolve the situation since I had never set foot in the store and my card was never out of my possession. Note that the store in question was over 1000 miles away from where I live and I have never traveled to that city. I was finally given a temporary credit on XX/XX/XXXX. A week or two later, I received a letter indicating that the charge would stand and the credit on my account was reversed on XX/XX/XXXX. No details were given to support the decision - signature proof, ID shown ( the back of my card indicates See ID and again never left my possession. To be clear, I have never been to Macys XXXX XXXX - XXXX XXXX XXXX XXXX, XXXX, FL XXXX nor has the other authorized user on the account.
Consumer complaint received 2019-02-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: HSBC NORTH AMERICA HOLDINGS INC. ()

On XXXX XX/XX/2018, I arranged an on-line wire transfer of {$500.00} from my HSBC-XXXX  account, to initiate my new HSBC-US account. The US branch deducted their standard {$15.00} wire charge from the deposit, but summed this as {$470.00} - a XXXX discrepancy. In addition, the wire charge has shown up a second time on my online statement. In total, HSBC-US has incorrectly deducted {$25.00} from my account. 

I have tried to resolve this with HSBC-US ' customer service phone line 4 times, plus 4 times using their 'bankmail ' service, without success : They just say that the missing {$25.00} " must be '' fees deducted from my transfer amount by the sending XXXX branch ( I have confirmed with the XXXX customer service that this is not so ). I have, at least 3 times, offered to send copies of the paper outgoing and incoming Wire Transfer Advices, which clearly show that the discrepancy is within the US branch. But they don't seem to have any interest in seeing these.
Consumer complaint received 2019-02-08
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Randolph, Boyd, Cherry and Vaughan (NY)

My ex wife and I purchased a car with XXXXXXXX XXXX XXXX, we got divorced in late XXXX. She allowed this car to be repo and filed bankruptcy on the debt ( since in the divorce decreed, per the judge, she was given the car and the judge removed me from all responsibility with this debt ). In XXXX, before I was about to be transfer to my new command in XXXX, I received notification regarding being suited for this auto loan. I tried to contact the law firm and received no response from them-They refuse to call me back. I went to court and I should the paperwork of my divorce and other document to the judge. He proceed to dismissed the case, and told the attorney that they need to come back to court when they can prove their case properly. I thought it was done. In XXXX I'm XXXX in XXXX and filed out that I'm being garnished for a auto loan that I wasn't served on after the court case in XXXX. I can't pick up the phone and call the law firm-I 'M IN XXXX. By the time I get back- I'm sent back to XXXX XXXX and then TO XXXX XXXX XXXX . I have tried to contact this law firm and XXXX XXXX XXXX and can't get any responds back. THIS GARNISHMENT HAS BEEN GOING ON FOR ALMOST TEN YEARS-The problem with judgment is, Virginia Court System Clears their system every about 5 -7 years, so I can't find anything on this original judgment other then the garnishment paperwork. They have taken from me a total of XXXX on a car and I still owe XXXX. And the best part of this issue, the car didn't even cost that much in the beginning.
Consumer complaint received 2019-07-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Trident Asset Management, L.L.C. (FL)

A few weeks ago I started to care for my credit and trying to build it up since I have never used my credit in the past, while checking my I discover some derogatory remarks in my XXXX credit report stating the amount owed of {$1900.00} to XXXX from XX/XX/2015 and another one owed to XXXX for {$1700.00} I would like to address this immediately and either pay off this debt or get this negative remark remove from my report.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I noticed on my credit report that there's a new claim by XXXX XXXX XXXX XXXX for {$930.00} from a claim by XXXX. The address associated with this debt claim is XXXX XXXX  XXXX XXXX Texas. We have NEVER lived in Texas nor do we ever have XXXX. We live in XXXX CA and use XXXX. I do not know anything about this claim and therefore can not submit any " proof '' as requested by the credit reporting companies : XXXX and Experian. I submitted a request for them to investigate and all they said was that it was accurate without any explanation. I have submitted a dispute to XXXX XXXX but have not heard from them. Please help!
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I seen this company on my credit report XXXX/XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them. When I submit a dispute through your service asking for verification/validation I receive nothing but an update to my credit file saying verified but no proof or information on what was verified and how. According to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act this should be deleted from my credit report and collection activity ceased because it has not been verified and validated.
Consumer complaint received 2019-02-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (CA)

The credit report on me from Experian has numerous errors and omissions. 

1. They show me as past due on a XXXX XXXX XXXX account, an account I never had. 

2. They say I have no background in real estate payments and that is a lie. 
I made mortgage payments for 13 years to XXXX XXXX from XXXX to XXXX. 
I have never been late with a rent payment to any landlord. 

3. They show an account with XXXX, something I never had. 

4. They omit my history of payments to XXXX XXXX, which are current
Consumer complaint received 2019-07-14
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: DriveTime (TX)

I purchased this vehicle XX/XX/2018 a few weeks after i got the car i needed a new battery which i had to pay out of pocket with two months later the check engine light came on and i was not able to pass the emissions test so i had to get a one year waiver from the county of XXXX to be able to get my car tags i expressed to the dealership i needed a reasonable accommodation for my XXXX initially purchase upon to better understand the loan terms and even provided proof of my XXXX i was and am only paid once a month and still they set me up on bi weekley payments i feel they took advantage of me with the loan terms i was never offered the gap coverage that they say i declined fast forward a year later my car engine is blown they also sold me a lemon. I have a balance of XXXX and will no longer have this vehicle in my possession
Consumer complaint received 2019-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BERKSHIRE HILLS BANCORP, INC (NY)

XXXX XXXX XXXX XXXX is reporting on my credit report {$580.00} is past due and it's hurting my score.They have never reached out or contacted me in any way saying I owe anything. I have receipts that show my balance with them is {$0.00}.
Consumer complaint received 2019-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX The company was XXXX and reported late and I was never late. Company reports the wrong amount and based it on biweekly payment. I was never late on this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX, Transunion, XXXX  XXXX XXXX balance XXXX is not my account but on my credit ( XXXX, Transunion, XXXX  will not remove and XXXX will not answer my calls ) XXXX XXXX  XXXX reported on XXXX  not my account XXXX XXXX XXXX  {$990.00} Reported on Transunion, XXXX, XXXX  not my account and was not removed XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance on Transunion & XXXX  and was not removed Transunion collection account doesnt belong to me and was not removed. 
XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$950.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX  Last reported XX/XX/XXXX {$510.00} Reported balance on Transunion and XXXX  not my account XXXX  collection account reported on my report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX closed account reporting on my XXXX  report that will not be removed it doesnt belong to me ( XXXX  XXXX  inquires that are not mine contacted XXXX  and creditor to remove but no help XXXX XXXX, XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX Transunion inquires not from me. I have reported by Transunion has not removed XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX from XX/XX/XXXX XXXX. 
XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX   XXXX/XXXX XXXX Ca Inquiry from XX/XX/XXXX Finance XXXX  Auto Inquiry from XX/XX/XXXX Credit Union XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX from XX/XX/XXXX Finance XXXX  inquires that do not belong to me XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-07-13
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: EQUIFAX, INC. (GA)

I have an account with XXXX XXXX XXXX XXXX which is in collections by XXXX XXXX XXXX XXXX XXXX. I have dispute incorrect payment history as well as incorrect balances with all three major credit bureaus ( Equifax, XXXX, and XXXX ).  All of them have failed to update any information correctly which is against my rights as a consumer. This incorrect information is effecting my credit negatively. I have spoken to the creditor who has sent me a letter that is attached with current balance. I have paid for XXXX and XXXX on time, which is reported as more than 180 days late.
Consumer complaint received 2019-02-08
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rubin & Rothman, LLC (TN)

The company is Rubin and Rothman recovery llaw firm in New York and the phone number is XXXX. They have called me repeatedly, left voicemails saying they will come to my house or work within certain time frames. I called back and an employee was extremely rude. They do have my information incorrect as I was going to discuss, but it was impossible due to the rude gesture of the employee named XXXX. I then spoke with XXXX who threatened me with court and said I was on a recorded line and would have my time in court. I do not know what this pertains to. I have not received anything from this company until these threatening calls started within the past week.
Consumer complaint received 2019-07-13
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: EQUIFAX, INC. (ID)

I have disputed three ( 3 ) collection accounts that Equifax is reporting on my credit file. My most recent dispute attempt to Equifax, XX/XX/2019, included supporting documents which establishes the debt buyer in question ( XXXX XXXX XXXX ) has : re-aged the debt, provided fraudulent documents to establish ownership of debt, more than one collection agency claims ownership of debt, and letter from original creditor showing account paid in full. 

Equifax refuses to delete these junk debt buyer collection accounts from my credit file. My disputes, supporting documents, and demands for evidence are simply dismissed. 

Equifax provides nothing to the consumer as to what exactly is completed in an investigation process. 

If the debt buyer can claim ownership without tangible legal verification and Equifax allows this - where does this leave me as the consumer?