davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Optimum Outcomes, Inc. (GA)

Optimum Outcomes, Inc, keeps calling me and stating I owe them money! I have instructed them I do NOT owe them or their client, because I have NEVER even heard of their client. They now call me 2 or 3 times per day and when I say I am going to sue the XXXX out of you if you do n't stop calling and harassing me, they hang up and then they begin calling again the next day! I am SICK AND TIRED of these brassiness harassing calls DO SOMETHING! YOU are the government agency so DO SOMETHING TODAY! They are rude, arrogant and full of XXXX! Get rid of these people today!
Consumer complaint received 2017-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (PA)

I am a XXXX XXXX XXXX working toward Public Service Loan Forgiveness with FedLoan Servicing.  For my latest employment certification, I was informed that I had 57 payments (of the required 120) credited toward the program.  As noted in my last billing statement, FedLoan Sevicing indicated I had 50 payments according to their records.  I contacted customer service, and the individual said someone would review my account.  A few days later, I received an employment certification form with no explanation of why I had lost 7 payments credited to my account.  This is now the second time in which the number of PSLF payments credited to my account is incorrect.
Consumer complaint received 2024-09-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (FL)

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry - XXXX XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2017-02-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (OH)

I spoke to XXXX XXXX with Diversified Consultants on XX/XX/XXXX. I contacted the company concerning a payment for an account with XXXX XXXX XXXX and he informed me that I have an account with XXXX XXXX for {$250.00} as well. I asked when the XXXX XXXX account was placed with them and he stated it was placed with them on XX/XX/XXXX which I found disturbing because when I communicated with Diversified on XX/XX/XXXX and spoke with XXXX concerning the XXXX XXXX account I was not told that I had an account with XXXX XXXX as well and they never sent a notice to my address in which they had on file at the time. I knew immediately that the XXXX account was one that I disputed with XXXX XXXX on XX/XX/XXXX. I asked XXXX to contact the original creditor for a breakdown of what the {$250.00} consisted of and the only thing they would provide to me was a copy of the last bill that XXXX XXXX sent to me which did not break down what I was being charged for. XXXX XXXX came to the conclusion that they could not provide me what I asked for so they canceled the account and I was under the impression that this was resolved. Please see attachments for my communications with XXXX XXXX. After I attempted to explain the situation to XXXX and informed him that I was disputing the debt he interrupted me and attempted to offer a settlement of {$110.00} that I explained to him I do n't owe. So I reached out to the Original creditor on XX/XX/XXXX ( XXXX XXXX ) and spoke with XXXX ( who stated she was located in a call center in the XXXX area ) at XXXX. I explained the situation to her and she came to the conclusion that I in fact DO NOT OWE XXXX XXXX. XXXX explained to me that she adjusted the account to a {$0.00} balance as of XX/XX/XXXX. My complaint is that Diversified Consultants is not trying to help me get this cleared, they only want to collect money that I do not owe. They need to contact their client and get this issued cleared. If my credit report is affected by this I will be taking this further than the CFPB. I already know Diversified Consultants is going to try and send me a copy of the last bill as proof that I owe so I 'm going to save them some time. I have attached a copy of XXXX 's validation ( which does n't provide proof of what the charge is for ) and communications with XXXX explaining to them and the CFPB XX/XX/XXXX what happened with XXXX XXXX. I suggest Diversified consultants speak with their client to confirm this debt is not owed.
Consumer complaint received 2024-08-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CT)

I have multiple hard inquires listed on my credit file that I did not authorize. 
XXXX. Inquiry Date : XX/XX/XXXX XXXX- Creditor Name : XXXX XXXX Inquiry Date : XXXX XXXX XXXX Creditor Name : XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name : XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX-Creditor Name : XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name : XXXX XXXX XXXX. Inquiry Date : XX/XX/XXXX XXXXCreditor Name : Experian XXXX XXXX  XXXX : Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXXInquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX. Inquiry Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX This are all consider fraud as I have never authorized this inquires
Consumer complaint received 2024-08-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

New standards for how tax liens, civil judgments and bankruptcies are included in credit reports went into effect on XXXX XXXX, XXXX. Beginning XXXX XXXX, public record data collected for credit reporting purposes, including bankruptcies, civil judgments and tax liens, must contain minimum identifying information and be collected at more frequent intervals. I disputed the tax lien and judgment information on my report and it came back as verified. The problem with that issue is that I spoke with the companies/court involved who the credit reporting agency claims verified this data, and they responded in writing stating that they do not verify information such as bankruptcies, tax liens and judgments with credit bureaus. Please have any tax liens, & judgments on my report deleted immediately. I was also, according to the XXXX website part of the data breach that took place betweenXX/XX/XXXX. After searching by my SSN,  it said that I was included in the breach ( Please see attachment ). Therefore, I would like to have a fraud alert placed on my credit reports with all 3 agencies and also any credit inquiries from XX/XX/XXXX removed immediately. As these things are negatively affecting my credit score.
Consumer complaint received 2016-10-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (MI)

This complaint very much concerns Chase Bank in Michigan XXXX XXXX XXXX XXXX. 
The investment account in question at J.P. Morgan Chase Bank is under the name ( s ) of XXXX XXXX born XXXX XXXX, XXXX, XXXX XXXX XXXX born XXXX XXXX, XXXX XXXX plus XXXX XXXX born XXXX XXXX, XXXX. The initial owner of the account illegally allowed the investments labeled as belonging to XXXX XXXX XXXX XXXX, XXXX to be placed in the account. The account owner did not have the consent of XXXX XXXX nor was the account owner guardian over XXXX XXXX investment assets but still manage to have the bank place XXXX XXXX assets in the account. Chase do not possess any documents legally authorizing XXXX XXXX assets being legally placed in the account in question however, Chase is refusing to address that condition. Chase Bank have refused to turn XXXX XXXX assets over to him or as much as acknowledge the account exist being the account is not in XXXX XXXX name. 
Chase Bank have in action without acknowledgement invoked the account confidentiality of XXXX United States XXXX XXXX. In doing so Chase Bank is facilitating the illegal act of fraudulently holding the owner XXXX XXXX assets in the account in question. 
The initial illegal act was committed under the bank named XXXX which was thereafter purchased by Bank XXXX which was purchased by Chase Bank. On theinitial owner of the account death control of the account was by way of will given to the above owners in the period of XXXX still possessing the assets of XXXX XXXX. 
In attempt to prevent necessity of taking complaint of this fraudulent act to FBI XXXX XXXX now bring the Complaint to Chase Bank in its proper light. Surely the illegality of the condition transcend account confidentiality where XXXX XXXX is at issue. 
Very sincere, XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXXXXXX
Consumer complaint received 2017-09-20
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. (GA)

I have previous filed a complaint against Navient on XX/XX/XXXX. you closed the case when they lied about not getting my documentation. They were mailed the same ten documentations that I sent to the CFPB. OnXX/XX/XXXX I placed the envelope containing all ten documentations in our XXXX XXXX Post office because I needed to get the correct amount of postage required to mail the package. Navient has began to implement harassing calling on XX/XX/XXXX @ XXXX XXXX XXXX and again on XX/XX/XXXX @ XXXX XXXX. I called XXXX XXXX in XXXX Ga. I was told they do not handle student loan complaints for senior citizens over XXXX years of age.
I have been sending my documentations to Navient before and there has never been a problem getting my information. I talk with Supervisor XXXX, who continue to lie that they did not get my information. It 's strange after they supposedly did not get my information I received a letter from XXXX  concerning my Public Service Employment loan forgiveness application. It was datedXX/XX/XXXX.I called them and was told the I needed to contact Navient because they were servicing my student loan.The public service loan forgiveness application was one of the ten documentation that I sent to Navient onXX/XX/XXXX.
Consumer complaint received 2016-10-06
Product: Credit card — 
Issue: Other fee — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We subscribe to XXXX as part of my wife 's XXXX business. XXXX XXXX is based XXXX, we live XXXX. But the recurring charge of {$29.00} is being processed as an international transaction on our XXXX issued credit card. In the past this resulted in our being charged foreign transaction fees each month. We 've switched cards to avoid this fee, but presumably thousands of subscribers are being charged this fee every month fraudulently. I 've attempted to address this with both our previous credit card issuer ( BofA ) and our current card issuer XXXX XXXX XXXX, but neither has been able to resolve as apparently it is a result of the processor used by XXXX XXXX.
Consumer complaint received 2016-10-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kimball, Tirey & St. John LLP (CA)

In XXXX 2014, an Unalwful Detainer ( UD ) Stipulation Judgement was entered in the XXXX Court XXXX California in which the parties involved Real Estate Asset Trust represented KIMBALL TIREY STJOHN as Plaintiff and XXXX XXXX & XXXX XXXX as Defendants. The agreed terms in the stipulation was that we would not owe anything if we vacated the property on the agreed date. We kept our end of the agreement, but then the representative for the Defendant has been trying to collect from us since 2014. We believe their actions are fraudulent at best and would appreciate if the collection records entered in our credit record be deleted. 

They have no right to collect according to the UD. We have disputed this item KIMBALL TIREY STJOHN Account Number : XXXX with XXXX numrous times and they seem to be in cohort with the Plaintiff. Please help us remove this item from our credit history, it is damaging anf has been preventing us from moving forward with home obtaining credit lines, home purchase, etc
Consumer complaint received 2017-03-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CCS Financial Services, Inc. (GA)

I received an alert on my XXXX Credit report only to find out this this company Credit Control Services is on my credit report for XXXX which is a company that i have never done business with. I have not received any letters pertaining to this debt and they did not validate this debt. It states on my credit report that the debt was opened XXXX which is false because I have been with the same insurance company for auto for over 10 years. This was put on my credit report illegally and without contacting me. if they do not take this off of my credit report I will be forced to take legal action.
Consumer complaint received 2016-04-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I deposited from my XXXX checks from XXXX I see weekly with my Bank of America small business banking account ending in XXXX on XX/XX/XXXX. The bank has now placed a hold on all these checks since that time. I have consistently deposited checks over the past several years with Bank of America. As a XXXX with a XXXX, I rely on having money and checks deposited in my accounted and credited in a timely fashion. No reasonable explanation has been provided to me by the bank at this time.
Consumer complaint received 2016-10-06
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: NETWORK CAPITAL FUNDING CORP (VA)

There are some mortgage companies that pulled my credit with out my permission and it want all of them off my credit report i did not give permission to have my credit pulled i am working with one lender and now it did not though casue of all of this other being pulled it is not right i wan this fixed as soon as possible
Consumer complaint received 2016-09-21
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (ID)

I used my Citi XXXX HHonors Reserve credit card to pay a bill. I disputed the charge and submitted the appropriate documentation. Several weeks later, I received a letter rejecting my dispute. When I contacted Citi, I was told I do not have any dispute rights for quality of services issues. 
She said " without a valid credit slip, we are unable to intervene on your behalf with the merchant or their Bank. '' In trying to better understand my rights, I was given the run-around by a clerk and his supervisor. It was not explain to me how to get a valid credit slip.
Consumer complaint received 2017-09-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

After correct reporting for 6 years, Experian suddenly starts reporting my bank credit card was subject to a chap XXXX bankruptcy. My bank XXXX XXXX, has correctly reported this account was exempt, fully paid every single month for over 6 years, open, and had a XXXX balance at time of incorrect report. XXXX has previously call Experian the last time they screwed it up, that stayed fixed for 6 months, now revert to incorrect report. 
Please forward this complaint to the FTC, as their penalties ate not effective in correcting the biased CRA reporting. They continuously violate CFPB, FTC, and FCRA regulations and display utter disregard for consumer interest.
Consumer complaint received 2017-03-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I submitted a Qualified Written Request to " Specialized Loan Servicing '' on XXXX XXXX, 2016 to request a deletion letter for an item on my credit report and they failed to send me a response. The first time I called on XXXX XXXX, 2016, the representative told me just to submit a QWR and it should be no problem to delete the item since it is an error. I asked if it was OK to send by FAX. She said yes and gave me the SLS FAX number to send it to. 

A few days later, I called to make sure they received the letter and the rep said yes they received it and would have a response for me within 30 days. After 30 days had passed, I called to check on the status. At that time, they told me they had 30 business days to respond. 

On XXXX XXXX, I called again to check on the status. They said a letter was generated on XXXX XXXX and sent out. I told them I never received it, and they said that there was an error and they would have to send it back to their credit dispute department. I asked for a manager to call me. No one ever did. 

On XXXX XXXX, I called again and got the same run around. I asked to speak to a manager but no one was available again. They told me once again that a manager was going to call me back but no one did. I have not received anything from them. When I asked what address they sent the letter to, they could n't tell me. My current address is clearly printed on the Qualified Written Request letter. I also included 1 ) my credit report and 2 ) my marriage certificate with my name change, which SLS requested when I spoke to them the first time. 

SLS information is as follows : Specialized Loan Servicing XXXX, CO XXXX FAX : XXXX XXXX
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (CA)

Macy's/American Express card was compromised. I called company of fraud charges on XXXX/XXXX/2016. The fraud activity that took place in XXXX and XXXX. I have not been to either of those XXXX states and had my card in my possession. The card company stated they would send me a document for dispute that I needed to complete & send back to them via mail only. I completed the form and sent it on XXXX/XXXX/2016. I checked XX/XX/XXXX & they claim to not have received it so I sent another statement of fraud on XXXX/XXXX/2016 via certified mail. I have proof that they received the statement of fraud on XXXX/XXXX/16 but I have not received a letter acknowledging they received my dispute, and they have not solved my case that keeps accumulating finance charges.
Consumer complaint received 2017-09-20
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. (MS)

Filed a dispute XXXX/XXXX/XXXX with credit Bureau TRANSUNION regarding 3 account listings by by creditor XXXX and or XXXX XXXX, which requested they remove all innacurate, false, and erroneous information from my Transunion credit file. XXXX XXXX and or XXXX XXXX was notified as well via notification sent XXXX/XXXX/XXXX at both credit file listed contact addresses to remove all inaccurate, false, and erroneous information from all my credit files Transunion, XXXX, and XXXX within 30 days in which creditor has failed to fully comply. Received results of the Transunion investigation XXXX/XXXX/XXXX in which some information was corrected but not all and some innacurate, erroneous, and false information still remains such as a false account verified thru investigation as accurate and updated, which is totally false, innacurate, and erroneous and this account is not mine. Innaccurate account dates and etc., that will be addressed further in complaint letter that wiil be submitted with this complaint. Evidence submitted to support Transunion complaint should have been sufficient enough to resolve and correct the disputed inaccurate, false, and erroneous information contained within my credit file and reported by creditor XXXX and or XXXX XXXX.
Consumer complaint received 2017-03-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (FL)

My current credit score reflects delinquent payments in regard to my federal student loans. I was unaware that they were coming out of deferment as I was still enrolled in school at the time. Due to being unaware of this, I missed one payment in XXXX 2016. This ONE missed payment is listed several times on my credit report due to not being consolidated, and has had serious implications on my credit score thus hindering me from being able to rent a new apartment or house. I understand if it were listed as one missed payment, however having it listed as a delinquent payment several times has greatly effected me in all areas of my life.
Consumer complaint received 2016-09-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

citi bank bought my best buy credit card debt. I called because i dont live in the US anymore and didnt have access to my mail. They said that it was imposible for me to get my statements, but i was worried because i had a promotion with best buy and didnt know when it will expire, rep told me that i still had time and gave me a wrong date, next thing instead of owing {$200.00} dollars that i had left I owed {$1000.00} and debt still growing. STILL not receiving statements and account was closed so very hard to get info on the account.
Consumer complaint received 2016-09-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

My son has multiple student loads serviced by Navient , Inc, one of which I have cosigned. I have been paying on this loan. Navient consistently applies the payment to a loan that I have not cosigned on, despite the correct loan number always being include with or payment. My wife and I call and try to get the payments applied to the correct loan which always takes a lot of time and effort. Sometime they will tell us the payment was corrected when it is not. This happens so consistently it can not be there incompetence, but must be there policy. We are now being threatened with collections.