davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GMA Investments, LLC (FL)

I have received calls for many months on my home phone. I generally block these calls, however, on one occasion, I spoke with the representative of the company claiming to be XXXX ( when I asked what that stood for, he said " nothing. ) '' He then started quoting my personal information, social, date of birth, etc. I would not confirm that this was my information. These calls were made during the months of XXXX, XXXX of XXXX on multiple dates.
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I returned one call, and another person answered and asked. " Are you aware you are being sued? '' I said no. She stated that I had a XXXX XXXX bank loan from XXXX XXXX which I had not paid. She stated that I could settle the claim by paying her {$200.00} by credit card. I have never banked with any such institution. The phone numbers used were XXXX and XXXX. I feel that this was a result of identity theft. In XXXX of XXXX, someone had stolen my identity and tried to borrow {$4000.00} from XXXX XXXX XXXX in my name. I have an agency that monitors my credit and was able to stop the loan. I filed a police report. The matter was resolved. They ( identity thieves ) only had some of my information.
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I have frozen my credit and issued fraud alerts to the credit agencies.
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Starting on XXXX XXXX, then XXXX XXXX, XXXX, XXXX, and XXXX XXXX ( XXXX ) ; I began receiving calls from Summit Receivables. When I looked them up on line, like, XXXX, they were referred to as scammers trying to collect debt. One person was XXXX, another was XXXX XXXX, Department Manager. He stated this may or may not concern you. They also state that this is a courtesy call and that I must call to resolve the matter. Again, I have excellent credit but someone has either stolen my info and borrowed money in my name. But these do not show up on my credit reports. I get calls almost daily from multiple XXXX numbers but the call back number is the same, XXXX.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE (CO)

On  XXXX / XXXX /   17  a  XXXX   XXXX   Visa  card was activated in my name. I do not have this card nor did I ask to receive this card. I have sent the company two messages using their secure messaging system on their website.
Consumer complaint received 2017-07-06
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. (GA)

There are two accounts on my credit that Experian is refusing to remove despite the fact that they are not mine. I have sent disputes for almost an entire year now trying to get them to address my issue but my dispute is never processed properly. The accounts are a {$630.00} " XXXX XXXX '' and the other one is a {$370.00} " XXXX XXXX  XXXX ''. The other credit bureaus promptly deleted these accounts when I first sent disputes and they investigated and found the accounts are not mine. I do n't understand how Experian is the only credit bureau who is getting a different result for the same investigation that XXXX and XXXX did. Why is this account only being reported on Experian? I am including a section of a recent report which shows how these two collections are only reporting on Experian.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

Hello, Short description : Experian enrolled and charged me for several months of a credit monitoring service, when all I had ordered was a one-time credit report. See my attached letter and their response, along with my receipt for the one-time report.
When shopping for a car in XX/XX/XXXX, I ordered the single report and was charged {$5.00}. In XX/XX/XXXX, I noticed a recurring charge from Experian on my XXXX XXXX statement. I NEVER ENROLLED in a recurring monitoring product. I never USED this product.
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When I contacted Experian, they claimed I had signed up for a 7-day trial membership. I did n't do that ( and certainly not knowingly ) - and how would that be consistent with the receipt I received for the one-time credit report charge?? ( Furthermore, from looking today at their website, it 's not even clear that they have a 7-day trial product. ) As their response indicates, Experian clearly would rather be able to say " GOTCHA! '' than deal fairly with their customers. It 's interesting to me that many merchants make a different choice. As but one example, I get an emailed receipt EVERY MONTH from XXXX for XXXX XXXX for the added space in my XXXX account. If Experian followed the same reputable business practice, I would have realized immediately that there was an issue and could have resolved the problem before several months of their alleged charge had piled up.
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Thank you
Consumer complaint received 2017-07-06
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. (KS)

On XXXX/XXXX/XXXX I faxed a letter to TransUnion because I noticed unauthorized and fraudulent credit inquiries made by the following companies 1. XXXX XXXX XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX 2.  XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX  XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX 6. XXXX XXXX/XXXX/XXXX On XXXX/XXXX/XXXX I faxed an additional letter to TransUnion because I noticed unauthorized and fraudulent credit inquiries made by 1. XXXX XXXX XXXX XXXX/XXXX/XXXX 2. XXXX XXXX XXXX XXXX/XXXX/XXXX 3. XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX 4. XXXX XXXX XXXX/XXXX/XXXX 5. XXXX XXXX XXXX/XXXX/XXXX I asked for validation of this information with these companies and asked that they provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. I also requested, in the absence of any such documentation bearing my signature, that these fraudulent inquiries be immediately deleted from the credit file they maintain under my Social Security number. <P/>On XXXX/XXXX/XXXX I received a standard form letter stating why companies access credit information. <P/>On XXXX/XXXX/XXXX I faxed another letter requesting validation and documentation.
Consumer complaint received 2017-07-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NJ)

When I enrolled in the income based repayment plan with Navient during my XXXX, they told me that the income based repayment will qualify me for the public service student loan forgiveness program. I paid my loan payments on time. When I graduated XXXX and went on to XXXX, I found out that none of the payments I had made to Navient were eligible toward the loan forgiveness.
Consumer complaint received 2018-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS (AL)

LexisNexis has not taken the necessary steps to correct information given to XXXX XXXX about an accident I was involved in on XX/XX/XXXX. The report has it listed as an At Fault Accident although it was not. The accident report taken by the police states that the other driver admitted he swerved in front of me causing me to hit his vehicle. Also, the claims representative that handled the claim agreed that it was NOT an At Fault accident yet, LexisNexis, XXXX, etc. has it listed as such. Again with another accident on XX/XX/XXXX, which was weather related, is also listed as an At Fault accident. My insurance quotes and rates have been ridiculously expensive averaging around $ 400/mo. because this issue has not been corrected or resolved.
Consumer complaint received 2017-07-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (CA)

On, XX/XX/XXXX, I received a letter from U.S. Bank stating I had an outstanding balance for a secured XXXX line of XXXX in the amount of {$150.00}, of which {$30.00} was past due. This secured XXXX account was closed three months ago per my recorded conversation with the bank. The bank proceeded to tell me that there was an {$800.00} credit on my account and that the check is being sent in the mail, and that the account was clear to be closed. I called U.S. Bank onXX/XX/XXXX, and asked the employee to explain what the charges were for and how were they accumulated. <P/>The employee stated that there were several miscellaneous XXXX XXXX charges, and for each one charge they had added an additional late fee and there is a current outstanding balance. <P/>Then I thought things are not adding up here. I closed this account three months ago, I get this letter in the mail, ask this employee to explain why a closed account of more than ninety days is showing a unpaid balance on an account that had a {$800.00} credit..She does n't know ... Their superior was unavailable due to high call volume ... I asked her why was n't the outstanding balance deducted from the credit? She could not provide an answer. <P/>This account is somehow accruing late fees which thus implies that the account was never closed on U.S. Banks end ... ..This drew me to my final conclusion that U.S. Bank is engaging in several deceptive trade practices. First by breaching it 's contractual duty to close my account, intending to defraud me by cooking up fictitious fees, and trying to ruin my chances of obtaining further credit with other lenders by holding my account hostage.
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (SC)

I collection debts on my credit report open dating back to XXXX when I was n't even born yet. I was born in XXXX. There are 20 debt collections from XXXX XXXX XXXX in my Equifax credit report amount range from $ XXXX {$1000.00}. I have talked with the original debt company which has no debt in their system dating XXXX. My father has the same name as me but he is the 22nd ( II ) and I am the33rd ( III ). He got out the military in XXXX from a result of being XXXX XXXX XXXX XXXX and was a patient at XXXX XXXX XXXX. I disputed the collection and results were having them closed but not removed and I have been fighting to have the removed through phone calls to Equifax, disputes through XXXX XXXX Account and XXXX XXXX  XXXX. The debt collection should be removed cause of inaccuracy. How can a person born in XXXX have a debt collection from XXXX??
Consumer complaint received 2017-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Stated on Credit Report on XXXX : Collection Company : MIDLAND FUNDING LLC Original Creditor : XXXX XXXX XXXX Balance : {$3800.00} I keep seeing this item on my credit report which is severely hindering my chances of getting anything approved and I have reached out to Midland Funding and the Credit Bureaus - non of which have been able to validate the debt but they sending me letters that I owe this debt. <P/>I do n't even have an account on my credit report from XXXX XXXX XXXX, but yet Midland is collecting on a balance that is not mine. <P/>I 'm desperately requesting that this collection item be proved and removed from my credit report because it does n't belong to me. PLEASE.
Consumer complaint received 2017-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (NJ)

This complaint is specifically about Equifax, and how they could not provide me with a credit score due to missing my SSN. I have always been able to get my credit report from XXXX ( who I regularly monitor my credit with ) and XXXX. However, with Equifax, I have always received an error message. I decided to look into it a couple months ago when I tried to get my 3 bureau report from XXXX and they told me there was an issue. So I called XXXX, no issue. Then I called Equifax, major issue. Equifax was very difficult to get through to but ultimately they said that they had no information about me and were missing my SSN ( apparently no lenders have reported about me to them, which I find shocking ). So they tell me to email my Divers ID and my SSN card to  XXXX. I send it and get a vague and useless email later saying that they are having issues with my information and that I need to fax the same exact information that I had just sent to a specific number. First of all, why am I getting mixed messages on where to send this very sensitive information to? Second of all, why am I being asked to send it to several places where I can not validate the security? Third of all, why do they not keep their data centralized? Would n't you expect information that was emailed over, be stored in with all other information? Anyway, I called the number in the email response about my information a few times. Every time I called, I mentioned the Case ID # from the email. None of them had a clue what I was talking about. None of them knew about any type of Case ID #, which makes me think they do n't centralize their complaints. No one was helpful and no one could give me any real answers about where my information is going and why they do n't have it and why I need to send it again. They also put me on hold indefinitely so that I ca n't respond to the survey at the end. I 've been given the run around for over a month now, have gotten nowhere, and am at my wit 's end. All I want is for them to update my blank SSN with my actual existent SSN ( exactly what XXXX and XXXX successfully have on file ). I then just want my credit score.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (FL)

Professional Debt Mediat opened an account XXXX XXXX, XXXX {$2700.00} Which was a place I lived with a bf and at that time I followed everything the rental office instructed me to do when moving out. As soon as I did the company sold over and the new company sent this to the reporting agency. The apartment was return the same way received and they kept my deposit. XXXX XXXX XXXX open an account XXXX XXXX, XXXX {$1700.00} This was outdated and needs to be removed.
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Eastern Account Systems of Connecticut, Inc. (AL)

I have been trying to resolve this problem for months with no avail. I have been disputing the validation of this debt due to the fact I do no owe it and it is not my account. This is my second complaint. I advised the company the debt was not mine, the sent back inadequate proof that it was with information that does n't match mine, I offered to even settle on the account just to get it off my credit report, which they agreed, and then never returned my calls when I left messages on the number they provided for me to call. I have filed an identity theft report with the FTC and sent it to the credit bureau and again disputed the debt and they still refuse to remove it from my credit report.
Consumer complaint received 2017-07-06
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NC)

This has been an ongoing issue ever since Navient took over my student loans in XX/XX/XXXX. I have been prior to that date religiously paying back my loans since graduation from XXXX University and began paying back my loans ( which is all in my records ). Without notice at sale of students loans from XXXX XXXX to Navient my repayment amount skyrocketed without notice from {$230.00} a month to over {$1000.00} dollars a month. Absolutely ridiculous. On top of that, they without my permission and after I revoke access to my checking account debited my account the amount of over {$650.00} dollars that I had my bank provide back to me. I had to shut my them out of my bank account to prevent them from stealing from me. I have reported them to the attorney generals office of NC and the BBB all of which has been unsuccessful. I have requested a lower payment plan, reduced payment plan after my wife was laid off at her job and just could not afford over {$1000.00} dollars a month in student loan repayment. Nor could we afford XXXX, XXXX or XXXX dollars in repayment. I could afford XXXX and after our hardship XXXX dollars and a needed forbearance which I could never be approved for based on my 'income ' which all the household bills I had were never taken into account. This 'business ' is a predatory bunch of thieves backed by the government and they need to be stopped. The fact that I have been paying on my loans since the year XX/XX/XXXX and have not cracked a dent in it is a travesty of justice. I have more than paid back what I have borrowed to attend my 4 years of college. They additionally added disbursements to my student loan data while i was n't even attending college in the year XX/XX/XXXX and XX/XX/XXXX. i graduated in XX/XX/XXXX. in the amount of nearly 20K.
Consumer complaint received 2017-07-05
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I had a checking account at Bank of America. On XX/XX/XXXX XXXX XXXX the bank issued a check with {$560.00}, that was my balance on my account. When I tried to collect the money, the bank returned the check back on XX/XX/XXXX with the stamp unpaid. The reason : refer to maker. I called check department from Bank of America and they told me that no check on my bank account was issued ever and my account is closed. This means that somebody in the Bank of America has falsified this check!
Please, help me to collect my money from the bank.
Consumer complaint received 2017-07-06
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. (GA)

On or around XXXX XXXX, XXXX, I contacted XXXX and Experian in regards to unauthorized inquiries on my credit report. I was advised by both bureaus that I would have to reach out to the reporting creditor and request that they submit the corrections and i could also submit documentation from the creditor validating my complaint. That same day I called XXXX XXXX XXXX  and advised them that the inquiries in question where unauthorized.XXXX did not hesitate to submit a request to the credit bureaus for correction. They also mailed me a letter to confirm they had made the necessary corrections and advised to allow up to 30-60 days or so for the corrections to be updated on the impacted credit report. Upon receiving the letters from XXXX, On, XXXX XXXX, XXXX, I submitted them to XXXX and Experian for review and correction and I waited. On or around XXXX XXXX, XXXX, I contacted the bureaus again after not receiving any documentation or corrected copies of my dispute. I was advised that no dispute had been submitted from myself or XXXX. I advised that I faxed the information to the number given on the previous call and I included proof from XXXX  After going back and forth, I contacted XXXX again and advised of my conversation with the bureaus and how they advised that no correction had been received. XXXX ensured that they had in fact submitted the correction and assured they would submit it again. Once again they mailed me another letter confirming this process and advised that they would escalate my concern. To date neither bureau has replied. Nor have the corrections been made. This is a direct violation of my rights to have correct/factual information reported. The inquiries are listed below : XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( Experian )
Consumer complaint received 2018-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rubin & Rothman, LLC (NY)

This has been an ongoing issue with XXXX  XXXX XXXX. They keep sending this account to different collection agencies, XXXX XXXX, then, XXXX XXXX and now Rubin & Rothman, LLC.Sent letters in XXXX, XX/XX/XXXX, In XXXX sent letters in XXXX and XXXX to validate my dispute of the amount of {$19000.00}. Failed to provide me with a copy of any viable evidence bearing my signature. Requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Requested " validation '' that is competent evidence bearing my signature showing that I have ( or ever had ) some contractual obligation to pay them. Please also be aware that any negative mark found on my credit reports including XXXX, XXXX  and XXXX from your company or any company that you represent for a debt that I don't owe is a violation of the FCRA & FDCA therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. It is a violation for : Defamation, Negligent Enablement of Identity Fraud, Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ), Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ). Furthermore, XXXX XXXX and XXXX XXXX were sent certified letters in XXXX and XX/XX/XXXX and did not respond in a timely manner to my initial letters which violated Federal law. In XXXX v. XXXX XXXX XXXX. No XXXX ( C.D. Cal XX/XX/XXXX ), they can be liable for willful non-compliance. By violating federal law, by not properly investigating with the required timeframe, and I have the evidence of such, via certified mail receipts, the item must now be removed.
Consumer complaint received 2017-07-06
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. (NY)

Back on XX/XX/XXXX I went to purchase appliances on Home Depot using my credit card for the amount of {$1200.00}. A month later I decide to cancelled this order an purchase a better quality appliances for higher amount. I was informed by this company that i will received a credit for the {$1200.00}. Later on XX/XX/XXXX I sow a credit for the amount described. Beginning of this year I sow the same amount reflected on my account and a note saying that this promotion will expire on XX/XX/XXXX. Since XXXX of this year I am trying to fix this used also I maked a disputed with Citi Bank witch determinate I did have the credit for {$1200.00} back on XX/XX/XXXX. Obviously this bank never took the moment to review the problem and simple they answer was what Home Depot informed but never give me the credit. Now is even works because this year City Bank and Home Depot as well never apply my payment on my account and they refuse to fix this problem. I do have all the proofs to support and strong evidence they are overcharge my account.