davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-26
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)

I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. Below is a full of list of inaccurate items from my Experian Credit Report. 

The addresses below are reporting on my credit and I have never lived at any of these addresses : XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX Below are fraudulently unauthorized inquires on my report : Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX Card Date : XXXX Company : XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX XXXX I Date : XX/XX/XXXX Company : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX/XXXX  Date : XX/XX/XXXX Company : XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Company : XXXX XXXX Date:XX/XX/XXXX Company : XXXX/XXXX  XXXX Date : XX/XX/XXXX BELOW are the Company , Account #, Dates OPEN and Balances for inaccuracies reporting on my Experian credit report : Company : XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$580.00} Company : XXXX XXXX XXXX Account # :XXXX Date Open:XX/XX/XXXX Balance : {$460.00} Company : XXXX XXXX XXXX? 
Account # :XXXX Date Open : XX/XX/XXXX Balance : {$300.00} Company : XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$10000.00} Company : XXXX XXXX XXXX XXXX Account # : XXXX Date Open : XX/XX/XXXX Balance : {$300.00} BELOW is a current account I have that is being reported as late. Which is false I recently purchased a new vehichle and have not missed a payment. 

Company : XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$19.00}, XXXX
Consumer complaint received 2018-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (TX)

On XX/XX/XXXX we discovered that Citibank had been charging us a monthly fee for debt protection, a service we did not sign up for or agree to. We have been card holders since XX/XX/XXXX and we have been told and confirmed through statements that this was added in XX/XX/XXXX.  Citibank has called their debt protection at least 5 different names since this started. We have not missed a payment nor received any benefit from this program. 

Since the discovery of these fees, we made an immeditate call to Citibank that were less than helpful as they said we would have to talk to XXXX and issue a complaint. We asked them to immediately stop what we learned was an optional service. Three calls later, they finally discontinued the charge moving forward. When we asked about our refund of the fees that totalled {$49000.00} and the interest that added {$30000.00} we were told that since we were under the protection of the program these were non-refundable. 

We did not sign up for the service, they imposed it. We have since discovered that there were several cases against Citibank for unfair and deceptive credit card practices. 

We are seeking the process to get our money back. We did not sign up for this debt protection and we were certainly not contacted about any settlement. Yes we should have read and questioned each statement, but for the first 7 years of having the card there was no debt protection. These fees were posted in the same columns at the fees and interest, very misleading. 

The most frustrating part of this dispute is Citibank 's process. We have been bounced around from call center to call center, with the standard response of we can't do anything or see records. First we were told they submitted/entered a dispute request on our behalf, then we were directed to email and finally told to right a letter and wait 30 days. All the while Citibank is making 16.5 % on the balance they have created over 14 years. They imposed these charges, we did not seek or benefit by them.
Consumer complaint received 2018-09-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

On XX/XX/2018 I have shown proof to all three credit bureaus that thechapter XXXX bankruptcy was reported in accurately and i get a response stating they have verified this in XX/XX/2018 which isnt possible because the bankruptcy information to call to find out is the wrong number. I also asked whom did they speak with to verify this information XX/XX/2018 and i didnt get a valid response. Also, I have sent in proof that XXXX XXXX is reporting i owe XXXX dollars when i only had a credit card with them for XXXX and I dipute to have that removed XX/XX/2018 and the credit bureaus wont remove it. On XX/XX/2018 I also dispute the fact that XXXX XXXX and capital one were sold accounts and they are still reporting late payments which shouldnt be. Im trying to clear these things up to try to get a home eventually. Also, I just disputed XX/XX/2018 that the new chapter XXXX dates are all wrong and its not reporting accurately and Its no way they have verified thisw information with the courts because I myself couldnt speak to a person. The law states you have to speak with a indivdual to verfiy the information being reported and im just being toss aside.
Consumer complaint received 2023-05-04
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DFC Global Corp. (IL)

I logged on to my XXXX XXXX account and notice my points went down a lot. I checked to see why and noticed a collection on my account that I did not recognize. It was for Aspen Finacial and the amount was around {$2600.00}. I called the collector and let them know this was not me and was fraudulently done. They said this was an account opened XX/XX/2019. They told me to get a police report and send them documentation as well as report to this to credit bureaus.
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the student loan XXXX XXXX has nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please Im looking to purchase a home.
Consumer complaint received 2018-04-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (CA)

I was speaking with a representative after I discovered an error. I used the loan payoff calculator on the XXXX website to pay off the balance of three of my loans. When I checked the next morning there was still a balance. After speaking with them they admitted a mistake and were submitting a request to get the payment reapplied to remove any balance that I had. However that got me thinking, what else have they messed up? 

I called furiously requesting them to review my account in whole which they said takes a while. Only takes 1 day for them to take the money out of my account, how convenient. 

Anyways I called back and started asking about how they calculate interest and how many days are included. Using the sample of my payment on XX/XX/XXXX they said it was 29 days. My last payment had been on XX/XX/XXXX. The employee said I paid 29 days of interest for the XX/XX/XXXX payment and 32 days of interest on my XX/XX/XXXX payment. But insisted that the XXXX wasn't included twice. When you calculate the days, 29 days worth of interest payments for my XX/XX/XXXX payment would include XX/XX/XXXX. Additionally, 32 days of interest payments for my XX/XX/XXXX payment would include XX/XX/XXXX as well. I believe they are doubling up and adding additional days of interest to each payment received. 

I am going to calculate on my own, but wanted to send this to you just in case you have seen this in the past. 

Hopefully all of this made sense and it wasn't just me rambling for two paragraphs. 

Thanks for the help!
Consumer complaint received 2018-02-27
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Convergent Resources, Inc. (AR)

I owe a debt to XXXX XXXX, which I do not dispute. The amount I owe is {$980.00}. XXXX XXXX, XXXX is attempting to collect {$1000.00}. I have asked for proof that I signed something with XXXX that allows them to collect a collection fee and XXXX tell me that the fee must be being charged by Convergent and tell me to contact Convergent. I asked for proof from Convergent that I owe more than {$980.00}, or something that shows that they are allowed to collect a fee, and they have told me that they don't collect a collection fee, the fee is being charged by XXXX. They sent 'verification ' and they include a copy of the bill by XXXX XXXX which clearly shows an amount due of {$980.00}.
Consumer complaint received 2018-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES (IL)

My Federal loan was transferred to this company about 5 years ago. I logged in and set up auto-payments that would increase every year or so to help pay off the balance faster and unfortunately for me, didn't pay much attention to the account. My original balance was {$34000.00}. I have paid over {$9000.00} to this company for my loan, and now my balance is {$35000.00}. This interest rate must be the legal max, which is absolutely not what I signed up for. My estimated 'pay off ' is in 21 years and at that time I would have paid {$70000.00} for a {$34000.00} loan. What is my interest rate? No clue. Cant be found on the website after I log in ANYWHERE. I have a feeling I received some scam letter saying my loan was being moved to this company and fell for it. I am paying off this loan with this company today in full so I don't have to deal with this SCAM any longer. But I would love some answers and to find out if I can get my {$9000.00} back/applied to my loan rather then pocketed by this 'company '.
Consumer complaint received 2018-02-27
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: JPMORGAN CHASE & CO. (IN)

While travelling to XXXX on business. Me and a coworker went out on our last night to see some of XXXX. XX/XX/XXXX. The last place we went late night was a XXXX bar called the " XXXX XXXX XXXX ''. We were there between 1 and 1-1/2 hours. I bought drinks for myself and 3 others  because I had the only card which was working in XXXX. We were running late and in a hurry when I asked for my bill. I asked her to just tell me in US dollars please. She told me around {$180.00} dollars. She ran my card and told me it declined. I gave her another card which is my person small business card. She then gave it back but said that actually my original card went through after all. It was loud and dark and somewhat confusing but we ran out of there to catch the train to our train. I didn't think of it until my card showed a charge of {$2200.00} when it posted XX/XX/XXXX. I tried to have a XXXX counterpart contact this establishment. They could not. I can not find it online. It was obviously a scam I fell into, I contacted Chase and talked to many people. They say its too late because it already processed. They say because I handed them my card and authorized a charge and should have had time to review it, that I authorized it. 
Although there are some fuzzy details, There are some that are not. I did not authorize that charge or anything near that charge. I did not ask for any goods or services which would have been such a charge. I was making a conscious decision to drink at a level that would not hinder my ability to remain safe in a foreign country. I only purchased normal alcohol consumption for 4 persons. At the time I believed the {$180.00} was excessive but let it slide in light of having a good time in XXXX.
Consumer complaint received 2018-02-27
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: Rent Recovery Solutions (NC)

XX/XX/XXXX XXXX filed complaint against Rent Recovery Solutions LLC. Complaint was completed  and justified but Rent Recovery Solutions still appear on XXXX and XXXX  when they were to be removed. Rent Recovery Solutions LLC appeared on XXXX twice only 1 was removed it also appears on XXXX now and still remains.
Consumer complaint received 2018-02-27
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC. (MD)

Navient pulled 2 payments, giving NO RECEIPT of Payment and STILL will not return my one payment and it's my rent. 

Normally, when a payment is made with ANY company you receive an AUTOMATIC receipt into your email box however NAVIENT is crooked and they offer nothing. Had I received a receipt for my alleged two payments I could have halted it right there and would have known they did this. 

I called the bank and they have to wait until Navient actually gets the money and I called Navient and the kid said he can't do anything until they get the money. So I can't pay my rent now because NAVIENT pulled 2 payments when I only PAID OFF one loan. 

This is such a disservice and crooked tactic. NAVIENT should be required to forward payment receipts IMMEDIATELY so that the CONSUMER knows whats going on. I have every intention of taking this to the highest level because they are crooked!!!!
Consumer complaint received 2018-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS (PA)

XXXX Confirmation # XXXX XX/XX/XXXX Personal Information has wrong address and this has been going on for over 4 months now with no end to XXXX putting address are not my address as office buildings and other address that XXXX has or can not provide proof of the address. 
Employment not showing last reported or Previous Employment not showing. I have sent in my current proof of XXXX from employment and have yet to see anything on my credit report. 
Liens showing on my credit report as to I have ask XXXX for proof of my full name full social security number full date of birth and full address in my name showing all the information as required as to the laws changing in XX/XX/XXXX pertaining to this issue.
Consumer complaint received 2018-02-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company (SC)

Freedom Mortgage overpaid my Real Estate Taxes for XX/XX/XXXX as they paid them early in XX/XX/XXXX. A refund check was sent back to them on XX/XX/XXXX. The refund amount has still not been applied to my escrow balance, which has caused my monthly payment to increase by over XXXX , because by them overpaying the taxes, it wiped out my escrow balance. My complaint is that it has been over 2 months since they received the check according to my County Tax Assessor, but Freedom Mortgage has no knowledge of the refund being received.
Consumer complaint received 2018-02-27
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. (IN)

I spoke with this company about my student loans. I want a receipt of my taxes they withheld. I had no idea I was in default as I was getting ready to go back to school. Never the less, this collection company, XXXX XXXX XXXX, will not send me the paperwork to start rehabilitating my loans. They want a copy of my tax return. I want everything in writing before I send out my personal information this this company. They told me that without a copy of my tax return, they won't help me. I find this to be a fraudulent action. Also, I am not overpaying for collection fees. This has been a huge mess. Please help.
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (GA)

I noticed that theirs a debt collection in my credit that is not mine! I tried sending dispute letters twice!! I tried calling them and talking to them, and they are still making me pay something I never even knew it existed!!! The amount is XXXX dollars from XXXX XXXX  XXXX, and apperantly it was opened XX/XX/2017, I tried talking to them, sending disputes and they wont help me, they only want me to pay something is not mine!!!!
Consumer complaint received 2018-02-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION (IL)

On Monday XX/XX/XXXX, I received an email from Navy Federal Credit Union, stating that a new member to member transfer account had been established. I immediately called the credit union and the first person I spoke to asked if I had just applied for a loan. I said no and she said  she was transferring me to the fraud department. The next person I spoke with told me that my {$1500.00} from my checking had been transferred to this new account, and unfortunately once the money was transferred to the account, it was immediately transferred out so they couldn't get it back. I pay most of my credit cards through bill pay and also ACH transfers. NFCU closed my  accounts and reopened them. they also told me I was not liable. They told me they would give me a letter to send to my creditors explaining that my accounts were compromised. As of today, I still have no letter for my creditors, I have had several credit cards that had their limits drastically cut, because of my payments being returned ( because accounts were closed ). All of my money is gone!!! NFCU says I will get it back after they resolve the fraud complaint. I want a letter for my creditors now!!!! I am racking up late charges and also returned payment fees, because NFCU closed my account and the bill pay service sent me letters saying I need to bring my account current. I called NFCU on XX/XX/XXXX again to ask about getting a letter or to have them fax a letter to my creditors and was told because not all of the creditors were paid through billpay, that they wouldn't be able to help with those and that they wouldn't reimburse fees. My credit standing is dropping, all because NFCU can not, or will not give me a simple letter to give to my creditors stating what happened to my accounts and that I am not just late on my payments!!!!! I AM A VICTOM OF FRAUD!!! and NFCU is not helping me ... .because if them, I have no proof to give to my creditors ... thtey have to take my word for it ... .and in this day and age, we all know they just figure I am some deadbeat who can't pay their bills, and giving them a story!!!! All I want other then my money back is to get a generic letter to give to my creditors letting them know I was a victim of theft, that my accounts were compromise, NFCU closed them and reopened them, bills were scheduled to be paid through bill pay and ACH, and they were all returned, because of this!!!!! And ask the creditors to forgo fees and charges pertaining to this matter.
Consumer complaint received 2018-04-26
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. (KS)

XXXX reported to all 3 credit bureaus, that I was late 30 days in XX/XX/XXXX and 60 days late in XX/XX/XXXX both in XX/XX/XXXX. When I contacted XXXX they said those payments were returned due to ISF. I maied and emailed them copies of my bank statement proving I was not late and that my bank processed my payments. This was done in XX/XX/XXXX. I also mailed copies of my bank statements to all three credit bureaus, and yet XXXX electronically verified that their reporting was accurate and the late payments are renaing on all credit reports I tried contacting all three reporting agencies and was told that even with proof if my bank statements it was up to XXXX to correct it, and they refuse.
Consumer complaint received 2018-04-26
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Clearview Resolution Services (CA)

XX/XX/XXXX, XX/XX/XXXX, XX/XX/2018 XXXX XXXX from Clearview Resolution Services made calls to an old employer, left messages and spoke with receptionist, in detail, about debt owed. 

I have tried, repeatedly to call this company to figure out what the bill is for, and until I unblocked my phone number, it would not go through. 

XXXX XXXX harassed the receptionist at my prior place of employment, telling her that they were going to serve me papers there. Then she accused me ( after I finally got through to them ) of being the one who answered the phone and proceeded to tell my that I am a liar and a fraud. 

XXXX XXXX at Clearview Resolution Services is rude, and threatening. I believe this violates all the laws in place to to protect the consumer.
Consumer complaint received 2018-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NE)

This is in reference to complaint # XXXX. I do not know how to add additional information to the existing complaint. Attached is additional info received from the company and a copy of a letter that I sent to them. 
Thanks
Consumer complaint received 2018-04-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (VA)

There are two collections on my credit report. I have never received bills from this office, I have had health insurance since 2010. I do not owe this money. Also, there are two negative reports that I believe are the same bill. I have tried to call them numerous times. The voicemail box is consistently full.
Consumer complaint received 2018-04-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc. (TX)

I file this complaint today on Innovative Recovery Inc. On  behalf of XXXX XXXX XXXX. I have been denied for certain promotional move in prices on apartments due to a balance being reported that was paid prior to being sent to collections. Despite my efforts to get this removed the collection has remained leaving a negative impact on my credit score that could never completely be repaired.