davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-07
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

For more than 2 months this company has been calling about and placed Collection notices in my credit report for private student loans from 07 NATIONAL COLLEGIATE TRUST. These loans are past the statute of limitations in Florida as they are more than six years old. 

Furthermore, I am a 100 % XXXX XXXX adjudicated since XX/XX/2013. I have had legal representation on all debt since 2013 and NATIONAL COLLEGIATE TRUST was notified of my XXXX and legal representation. It is a violation of the FCRA for these calls to have happened at all given my legal representation. 

Additionally the companies through their acts have tried to illegally reage these loans and they are reporting them as opened 3 months ago when they are past the statute of limitations for debt. 

These actions also violate the consent order by the CFPB and 7 NATIONAL COLLEGIATE TRUST case Case XXXX
Consumer complaint received 2018-03-07
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weinberg Mediation Group LLC (CA)

I have four voicemails from the company Weinberg Mediation GroupXXXX company stating that I will be sued if I dont pay my credit card. Which that part is true but I never received in the mail a validation of debt from them and yet they dont want to send me one because they say theyre a green company but shouldnt have I got a letter in mail legally. They have my social address and personal information and even call my mom as well. I just need this company to verify my validation of debt. It also bothers me because they have many bad reviews and seem like scammers all I want is a mailed letter not emailed bacause they sent me a validation letter through email and it also came up as spam. The company is Weinberg mediation group or XXXX as well adresss is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Toll Free : XXXX - Fax Line : XXXX Web : www.weinbergmediationgroup.com Email : XXXX I spoke with XXXX.
Consumer complaint received 2024-10-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (OR)

Signed up  for Extended Repayment Plan, was promised my payment would be a specific amount per month but my payment amount has not changed for the past three months. Navient keeps saying I have to pay {$100.00} for a forbearance and then after a month my Repayment Plan will kick in, IT STILL HASNT. It 's been THREE MONTHS. I keep getting the run-around with Navient. They will not work with you even if your loan payments are more than your rent and the food you consume. This past month, the lady on the Navient customer service said to just pay a payment for {$270.00} ( my Repayment Plan amount  ) and I would not get a past due amount, and guess what I have a past due amount. This is ridiculous. I do not know what to do anymore, but this is n't right.
Consumer complaint received 2017-06-19
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. (ND)

I am a victim of identity theft and have been a victim of identity theft for over 11 years. I have  2  accounts an d 3  credit inquiries listed on my   XXXX     XXXX   and Trans  Union  credit report that are fraudulent and unauthorized. The following accounts and credit inquiries are fraudulent :   XXXX   XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX   XXXX ,  XXXX / XXXX /  XXXX  ,   XXXX   XXXX  ,  XXXX / XXXX /  XXXX  ,  XXXX   XXXX ,  XXXX / XXXX /  XXXX  ,   XXXX   XXXX    XXXX   XXXX ,  XXXX / XXXX /  XXXX  . Further, please add the following personal information to my credit report : Employer :  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , ND  XXXX , Phone :  XXXX , Position :   XXXX   XXXX   XXXX   XXXX  , Annual Salary : {$150000.00}
Consumer complaint received 2017-04-17
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I asked  capital one for a  credit limit increase, I was denied due to not paying enough per month on my bill ( which is n't true ) besides payi ng 6 times the minimum amount due I pa y early every month also my balance is 10 % of my credit limit. This is unacceptable
Consumer complaint received 2017-04-18
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: ENOVA INTERNATIONAL, INC. (OH)

I applied for a loan online. I had used this compan y two years prior,  and I had not realized I had old bank information on the account, so the loan of {$250.00} was sent to a closed account. I realized what happened the next day when the funds were not deposited to my current bank account. I contacted CashNetUSA immediately, and I was told not to worry, the receiving bank would reject the funds, they would get it back, and that loan would be considered null, since I couldn't/did n't receive the funds, and if I wanted the loan still, I would need to apply again after they received the funds back, and I supplied updated bank information. However, the funds were never credited back to my account. I emailed t he payday loan company again, and I was told they never received the money back, so I needed to contact my former bank. I did so, and I spoke with a woman at   XXXX   XXXX   who investigated and told me the funds did attempt to deposit in my old account, but were rejected immediately back to CashNetUSA (   XXXX   XXXX  ). I then emailed this information to CashNetUSA, giving the banker 's name and phone number to verify this. This has been now going on for three weeks, where I continue to receive collection emails, and I continue to answer with the same information. The response I get is that the collections will continue until I pay the money back, ignoring completely that I never received the money, that     XXXX   XXXX   has verified they rejected it back to  CashNetUSA, and apparently CashNetUSA has no intention of tracking down what they did with the funds rejected back to them, but continue to add interest and continue collections.
Consumer complaint received 2017-04-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Penn Credit Corporation (FL)

I used the  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX . Where the ambulance was sent to was not my address. They claim to have sent bills to this address which only 2 initial bills were received. I then called this provider to give my insurance information and address. This provider never changed my contact information. After my insurance denied to cover this provider 's claim because they submitted the claim too late ( which I had no knowledge of ),  XXXX   XXXX  never attempted to contact me about the balance due. They sent me to  Penn Credit Corp c ollections in  XXXX  without my knowledge . Penn Credit Corp never attempted to contact me to collect my debt. They only way I found this out is due to the fact I check my credit score every month and last month it dropped dramatically. I then called Penn Credit Corp, gave them the correct address and they told me they will resend the bill information to my correct address so I can have proof and dispute it with them, my insurance, etc. I have yet to receive anything from this debit collector and it has been two months since I have contacted them. They will not provide me wit h any physical documentation of my debit. Giving me no chance to fix it.
Consumer complaint received 2018-03-08
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Adjustment Service, Inc. (AL)

Filed a complaint on this company in XX/XX/XXXX. This company sent me a letter saying i owed XXXX on a past due medical. This company claimed my date of service was XX/XX/XXXX. So I looked on my XXXX calendar and found out I wasn't even in town. i was in Maryland handling my divorce. I called the hospital and asked when did I receive their services and the HIM department said XX/XX/XXXX. Which I already knew because that's the day I went into early labor. I also called the company to let them know they have the wrong dates.
Consumer complaint received 2017-06-19
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: Regional Management Corporation (NC)

I have some hard inquiries on my   XXXX   and   XXXX   reports that should not be there. I am in the process of purchasing a home and these should be removed. I placed a fraud alert on my credit file that indicates if anyone who runs my credit should call me and that was not done and this violates my right as a consumer. The following hard inquiries are showing on my   XXXX   report! Regional management  XXXX  and  XXXX ,  XXXX   XXXX   XXXX ,   XXXX   XXXX    XXXX ,   XXXX    XXXX   XXXX ,   XXXX     XXXX   XXXX . The following hard inquiries are showing on my  XXXX  report and show be removed.  XXXX   XXXX   XXXX ,   XXXX   XXXX    XXXX . I have already contacted the credit bureaus twice and they were no he lp. Pleae help me get these  removed. Thank you!
Consumer complaint received 2017-06-19
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mid-America Accounts Control Bureau, Inc. (MO)

In  XXXX  of    XXXX     MID-AMER ACCOU NTS CO  XXXX , MO  XXXX  (  XXXX  )  XXXX  Contacted me and said I owed {$800.00}. I asked them to mail me out what I owed and to whom, "  XXXX  '' said he would. I called b ack 2 week s later and someone else said I would need to login to the website first. They would mail me the account number to setup the account. They did n't. I called back a couple weeks after that and spoke to the owner. He told me that no one would tell me that and I was a liar and I needed to pay the money. I finally got the amounts and dates from someone there. They will not let me pay current owed amounts until I pay bills they allege I owe from  XXXX , 14 years ago and told me there is no limitations on collection. I am paying the original creditors directly a nd Mid-America is reporting derogatory remarks to my credit history before they remove them as paid. I believe they are doing that to ruin my credit score and it is working. All because they refuse to mail me anything in writing or let me pay them the accounts they hold. They are horrible people. I have been working with other agencies this year and have not had any issues.
Consumer complaint received 2020-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AVANTE (VA)

I'm not familiar with this company and see that there is a balance on my credit report. It states that they are collecting a balance for XXXX XXXX but I have not given this company any medical information about myself and feel as though my HIPPA rights have been violated. I also have not given this company permission to bill me.
Consumer complaint received 2017-06-19
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: Experian Information Solutions Inc. (AZ)

XXXX   XXXX   XXXX   XXXX  OFF my credit card account on  XXXX   XXXX ,  XXXX  after I had negotiated a settlement.  XXXX   XXXX   XXXX  Continues to Report the account delinquent on my credit reports  7  + Years after I settled this account for less than full balance.  XXXX   XXXX   XXXX   Refuses to discuss this account and referred me to  XXXX   XXXX . After Contacting  XXXX   XXXX  I was advised that they had referred this account to an attorney in  XXXX   XXXX   (  6 years and 11 months after the initial charge off ). The Attorney returned the account to  XXXX   XXXX  and  XXXX   XXXX  has No knowledge of the status but they will reassign the account to someone else in the nex t 5 to 10  days.  XXXX   XXXX   XXXX  Continues to provide the Credit Bureaus with Incorrect information 7 Years after the account had been charged off. The latest Incorrect report was  XXXX   XXXX  We attempted to resolve this account years ago but   XXXX   XXXX   XXXX    was Not interested.     The Original dispute Involved   XXXX   XXXX   XXXX   Raising the % rate to 18 % from the original 6 % rate and advising me that if I did not like the rate, I could pay off the account and go away
Consumer complaint received 2017-04-18
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I am a   XXXX   XXXX    XXXX  that serves as an exexcutive for  XXXX   XXXX   XXXX . Since the turn of the century  XXXX  has been addressing the distracred driving " deadly epidemic. '' with intelligent  driving road conc entration training. For over  three yea rs  XXXX  conducted the " modernization of telephone banking '' and after opening and account a t Capital One 360,   XXXX   XXXX  , that has a safe system that rings right through the bank, but soon disco vered their partner  Captial One had outdated telecom with dangersou prompts, see :   XXXX   XXXX   XXXX   So being   involved in the   XXXX   XXXX   banking campaign spent  may ex tra hours, educatiing interested bank reps and managers about the   XXXX   XXXX   protocol, until approximately  nine month s later was congratulated by both reps and managers on the fact that Captial One was planning on using some of the  XXXX  recommendations. A short time later Ca pital One ch anged their  telecom to off er voice command then after  XXXX  realiazed that they we re sitll m aking the hazardous ATM record request, and we contacted them many times about this, and shortly there after they ceased to make this request, thusly addressing all the main   XXXX   XXXX   recomendations, except offering fair market research value compensation that is included with tnis imformation. We tried appealing to them to offer a donation for using this info or just for the good cause of auto safety so we could help protect their families, employees and everyone as a  million pe ople died in auto accidents last year!  Capital One refused  to pay for this info, and was reported to CFPB and has been lying to them and  XXXX  about this matter, as it can be proven by tapes they recorded of my many campaign conversation.   So we as k Captial One to be  honest about this, listen to the tapes, and study the time line on all this, and then it wil be obvious we were the major contributor to these changes, and if not why did their own employees tell me this? The tapes have the conclusive evidence, so we a sk Captial One to l isten to them, be honest and give credit and donation payment where it is due to help make the roads safer for all!
Consumer complaint received 2017-04-18
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: WELLS FARGO & COMPANY (TX)

To whom it may concern, Two weeks ago I was a fraud victim. An imaginary FBI agent (  XXXX   XXXX   ) c alled me and she demanded {$8000.00} for student taxes that I had not paid the last 4 years. Unfortunately, I believe on her as she revealed all my debit and credit bank account limits ( " Sir, I see that according to your debit and credit limits, you have  XXXX   XXXX  So you can pay us today if you do n't want to be arrested '' ).   I was in contact with her for  8  hours on the phone as I was instructed to buy gift cards from  XXXX  store to pay the IRS attorney that was handling my case. The " Scam FBI ''  officer  terrified me by pressuring to not say anything to anyone and also if I hang up the phone he will be able to put charged on me. Under such pressure, I used three different cards in order to buy 16 gift cards of {$500.00} each ( {$8000.00} total amount ) {$1500.00} -- &amp; gt ;  Wells Fargo  {$2500.00} -- &amp; gt ;  XXXX   XXXX  {$4000.00} -- &amp; gt ; Chase When my wife came home (  XXXX  pm ), she realized that this was a fraud, and she called for a police officer to talked with the " Scam FBI '' agent ( I was in phone hold ). When the police  officer  came home and talked with the " Scam FBI '' agent, she changed her voice tone and hanged up the phone. The police  officer  directly filled a police report for me with a case number "  XXXX  '' and he told me that a detective will be able to contact the  XXXX  store in order to track the gift cards. The detective 's information is "  XXXX ,  XXXX   XXXX  &amp;  XXXX  ;  XXXX  XXXX  XXXX  &amp; gt ; '' and he told me to call my banks in order to report my case number and to inform them that I was a fraud victim.      XXXX  week later, the  XXXX  and  XXXX  banks directly removed my transactions from my credit accounts. Unfortunately, the  Wells Fargo , after their research, found that the transactions (  3 gift cards, 3  x {$500.00} = {$1500.00}  )  were correctly charged to my account. So, they did not reimburse me.
Consumer complaint received 2017-06-19
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. (NJ)

XXXX   XXXX   XXXX   is attempting to collect a medical debt for   XXXX   XXXX   XXXX   XXXX   in  XXXX  nj from ove r 3years ago.      all  XXXX  credit bureaus have failed to invesitgate nor reply with a outcome!
Consumer complaint received 2017-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: DataMax Corporation (TX)

I have a debt collection item on my  XXXX  credit reports for an unpaid utility bill that I never opened.  XXXX   XXXX   XXXX , a  utility  company in   XXXX   XXXX    seems to believe that I opened an account in  XXXX . I enlisted in the  XXXX  in  XXXX , and have not lived in   XXXX   XXXX   since then. I am currently stationed in  XXXX , and wad previously in  XXXX . I 've also resided in military housing ( ie. barracks ) since  XXXX , where I have no rent or utilities. Furthermore, I was  XXXX  in  XXXX . In short, I had absolutely  zero  reason to open a utility account with  XXXX  or anyone else. It was not me who opened this account. If someone used my information, they did not have my permission. I have filed disputes with the  XXXX  credit bureaus. Thus far,   XXXX   is the only one to have competed their " investigation ''. They have decided to keep this fraudulent negative information on my credit report. How can I get the collection agency and the utility company to remove this false report from my credit???
Consumer complaint received 2018-01-29
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. (PA)

On XX/XX/2014 XXXX XXXX XXXX reported a 30-59 day late defame remark on my credit report. Loan has allways been on time and XXXX failed to provide evidence proof of late on following statement no correspondence has been provided. Via phone, email, or statement incorrect remark please remove.
Consumer complaint received 2017-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My daughter and I -- as joint owners of a condominium at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , CA  XXXX , loan #  XXXX  -- applied for refinancing of the condominium with  Bank of America  in late   XXXX   XXXX   XXXX  . We applied with loan office  XXXX   XXXX ,  XXXX  ID  XXXX , (  XXXX  )   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX , Ca  XXXX .  Bank of America  led us to believe that our property was eligible for refinancing by them, and that approval by them depended solely on our ability to qualify for a loan through income, acceptable credit scores, and property value. After we had paid {$470.00}  ( by cre dit card on  XX/XX/XXXX  ) for them to obtain our credit scores and an appraisal of the condominium by an  appraiser obta ined by them, and after we 'd paid an additional {$15 0.00} ( by check  on  XX/XX/XXXX  ) -- at  Bank of America 's  request -- to condo management to supply master insurance policy and answer the bank 's lender questionnaire, the bank informed us that they did not ( re ) finance condominiums in our building. They also informed us that they 'd denied a mortgage loan to another resident in our building in  XXXX  for the same reason. We were completely unaware that B of A had denied any resident in our building financing or refinancing. From the beginning, we had a reasonable expectation that the refinance loan would be approved by B of A, since they originally financed our condominium in   XXXX   and held the papers on it until the latter part of  XXXX . Yet, they guided us through a costly and time-consuming application process, in which we were required to fill out voluminous paperwork and pay out personal monies, only to inform us that we were not eligible for refinancing by their bank.   Bank  of America kn ew or should have known from the beginning that they had established a business practice whereby they did NOT offer mortgage loans to units in our building. In addition to that, the bank should have required its Condo/Co-Op  Project Review Specialist to review our unit and building before, and not after, it required us to  pay out sums of money in order to proceed with the bank 's application process.     I have attached a list of instances, in which we have communicated with Bank  of Ame  rica, only to be totally ignored. I called in   XXXX   XXXX   and was directed to   XXXX   XXXX  , who is no longe r a loan office and no longer has an NMLS ID and could not help me. I mailed  XXXX   XXXX  's  manager th e same attachments I sent on   XXXX   XXXX   XXXX  , called him several times since then, and have received no response, even though his answering machine says he would respond  in 24 hou rs.