davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION (NY)

Since XX/XX/2018 XXXX XXXX Private Student Loans have been attempting to process payments on my loan. They have been threatening to default my loan. I have provided 3 separate debit cards. Each of these cards were declined upon attempting to charge a payment. The accounts have money on them and the bank states that XXXX XXXX is sending strange transactions in the amount of XXXX $ and that it is their problem processing payments. XXXX XXXX opened an investigation into this matter but is still threatening to default on my loan. This is causing me a great deal of stress and depression. I am under constant threat by XXXX XXXX for their own system issue. I am willing and able to make payments from the same card I use to buy groceries and withdraw money from every single day. The manager of my account at XXXX XXXX XXXX XXXX XXXX lied multiple times about events on my account. XXXX XXXX claimed that I have not provided my checking and account number when I have and claims that my bank said that I do not have money on my account. When I called my bank multiple times, even with a XXXX XXXX representative conferenced in, they said I had money.
Consumer complaint received 2017-08-03
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. (MD)

I have tried to get information from XXXX for several years and have not been able to have student loans on my credit report verified. I have asked for promissory notes, information regarding the opening of these accounts and for all information being reported to ALL three credit bureaus to be verified and reported accurately.
Some time ago I was ordered to appear in from of Judge regarding these student loans, after an information hearing and subsequent status hearing the case against me was dismissed per the Judges orders.
Moreover he also stated that even if XXXX was able to prove the account ownership ( which they ultimately dis not ) the statute of limitations has passed.
Consumer complaint received 2017-06-27
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. (TX)

I sent letters to equifax to remove inquiries that I did not approve I had a fraud alert placed on my credit file that indicates anyone who runs my credit needs to call me and that wasnt done which violates my rights as a consumer. I reached out to them several times to advise that my credit is being pulled ithout my permission and they advised me they couldnt remove them along with the incorrect names and addresses.
Consumer complaint received 2018-01-17
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I have been charged repeatedly by a company whose services I cancelled many months ago. I filed a claim with Bank of America, and mailed the required form within the specified timeframe. Bank of America claims that they did not receive my form and are debiting my account the funds fraudulently taken from me. 

I have spent hours on hold and am unable to speak to anyone. My calls are not returned. No one responds to messages or emails. The local banking center said there is nothing they would do to address this. 

Money was stolen from me and Bank of America have done nothing to address this.
Consumer complaint received 2017-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (MD)

XXXX XXXX responded to a complaint several months ago and agreed to remove incorrect information from credit reports due to fraud. The information still reports negatively on my credit report and I want this to be removed immediately. Please find the response that was provided by them several months ago. This incorrect information continues to reflect negatively and lowers my score. Additionally, I have attached the court decision which reflects the case being dismissed by the court. Previous response : XXXX XXXX, 2016 Re : XXXX XXXX XXXX CFPB Case : XXXX XXXX Ref # : XXXX OC Account # ending : XXXX XXXX XXXX : We are in receipt of your correspondence from the CFPB Complaint Database, CFPB Case Number XXXX and have reviewed your complaint and discussed this with our servicing attorney as well as XXXX XXXX XXXX. Our company holds the Fair Debt Collection Practices Act and all other Federal and State laws in the highest regards and enforcement of those laws as a priority in our office. In your complaint you stated that you believe you were a possible victim of identity theft. You had asked for the information that was used to create the XXXX XXXX account when you spoke to them and that you ultimately believe it was a down an out family member who may have opened up the account fraudulently in your name. XXXX XXXX , XXXX is a passive debt-buying company meaning that we purchase the accounts and outsource the collection effort to our collection agencies and law firms. After contacting XXXX XXXX to obtain the information used to open the credit card, XXXX XXXX , XXXX has decided to no longer pursue collection on this account based on these factors as well as your belief that it was opened fraudulently by a family member. We have contracted XXXX XXXX XXXX XXXX to vacate the judgment, dismiss the court case against you and close the file. We have also reached out on your behalf to ask that XXXX XXXX remove this credit card from your credit bureau. This could take up to 45 days to be removed from your credit bureaus. Our goal is always to try and assist every customer in resolving their accounts in accordance with the FDCPA and all other Federal and State laws and guidelines. We appreciate you bringing this to the CFPB and allowing XXXX XXXX , XXXX a chance to review your case thoroughly with our attorney and resolve this situation on your behalf. See attached word document!
Consumer complaint received 2017-08-03
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 and XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (AZ)

I am getting phone calls from this company daily. Sometimes I 'm called from different numbers more than once a day. I do not owe any debt. When I asked why they are calling me or what this is regarding they wo n't tell me anything. This is harrassment plain and simple My FICA score is XXXX and I 'm tired of them calling constantly
Consumer complaint received 2022-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BARCLAYS BANK DELAWARE (CA)

Context : I had a XXXX XXXX card issued to me many years ago ( roughly since XXXX ), but has been been closed within the past year or so due to inactivity. I did not pursue applying for a new card, and no longer wanted any part of promotional emails regarding their credit card. Regarding this card, I have taken repeated actions of the following with no resolution : XXXX ) Directly through promotional / marketing emails, I have unsubscribed from all options. However, I continue to receive the same emails over the course of many months/ years. This proves that not only do they continue to store customer information without consent, but they are acting in a predatory and dishonest behavior by continuing to send these unwanted emails without any regard to the end customer. XXXX ) I have asked to remove me from any/ all emails going forward. Clearly this request has been ignored as I continue to get them to this day ( last one received XX/XX/XXXX ).
Consumer complaint received 2017-08-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

My ex XXXX in XX/XX/XXXX and had an out standing balance on his student loan. The Jude ordered that I was not responsible for his college debt when we divorced in XX/XX/XXXX. In XX/XX/XXXX I started receiving notices that I was delinquent on MY student loan. I called Navient and sent letters explaining that this was not my student loan, that it was my husbands who had XXXX. I also mentioned that the judge had ordered that I would not be responsible for his debt. Navient told me it was infact my loan, for my XXXX XXXX  education. I was never enrolled in college let alone XX/XX/XXXX!!!
I need help with getting this dismissed for breavement.
Consumer complaint received 2017-08-03
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (MD)

On XX/XX/XXXX a letter was sent to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX requesting a hard inquiry be removed from my credit file. Inaddition, the same inquiry was disputed with Equifax ( credit agency ). XX/XX/XXXX a response letter was received from XXXX XXXX XXXX ( Credit Bureau Specialist ) requesting additional information ( i.e. Credit Reporting Agency Name, Social Security Number, and Specific Inquiry Date ). XX/XX/XXXX a follow-up letter was received by Specialist XXXX stating the inquiry was valid. Neither XXXX nor Equifax have provided any proof of validation from their investigations. XX/XX/XXXX, I contacted XXXX XXXX by phone and spoke with a supervisor and a different Credit Specialist who stated no records of this inquiry was on file. However, my current credit file shows different. I 'm request the removal of the specific inquiry from my credit file.
Consumer complaint received 2017-08-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

I need a copy of my personal credit report XXXX XXXX federal way wa due to fraud identity protection. There is no number to call, can not get it on line and they want me to send a copy of my license and social security card in the mail. Not going to happen. How do I get a copy? I am sure I am not the only person that has had this problem. They do not provide a location that you can physically go to and show identification which makes it even worse.
Consumer complaint received 2017-08-04
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: Experian Information Solutions Inc. (NC)

I have disputed many times inquires on XXXX, XXXX and Experian that were not mine. They keep sending back that the inquires are accurate and they are not! I do not know what else to do.
Consumer complaint received 2017-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Professionals, Inc. (CA)

In XXXX 2015 I went to the XXXX XXXX XXXX XXXX XXXX ER. They out source their doctors from XXXX XXXX XXXX XXXX. I have dual insurance and XXXX XXXX XXXX billed the wrong insurance as Primary. The insurance would n't pay and by the time it was resolved ( that is, by the time XXXX billed the correct insurance ) my insurance would n't pay my because it had been too long. XXXX sent the bill to collections even though it was their billing error. I paid the bill anyway directly to XXXX. The collection company, Action Professionals Incorporated, sent me harassing and numerous letters even after the debt was paid. They are now trying to get me to pay interest on the debt directly to them. XXXX has been paid and the issue with them is resolved. Action Professionals Incorporated have continued to harass me via mail. I called API to resolve this issue and they said the law says I have to pay them interest.
Consumer complaint received 2017-08-04
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credence Resource Management, LLC (FL)

I had cell phone service with   XXXX   XXXX   XXXX   XXXX  . My number with   XXXX   XXXX   XXXX   was  XXXX . It shows Account No  XXXX  as the creditor account # on this collection notice from Credence and their reference no is  XXXX  I received. On  XX/XX/XXXX , I canceled my service with   XXXX   XXXX   XXXX   and transferred to  XXXX . In  XX/XX/XXXX  I received a balance notice and called   XXXX   XXXX   XXXX   and spent over an hour on the phone being transferred all over. It was my understanding that the balance would be removed, however now I have a collection agency after me trying to collect {$170.00} for service I canceled. I was a long time customer of   XXXX   XXXX   XXXX   and this is very disappointing. This is unacceptable an act by a large company trying to coerce me into paying a balance that is not due to them. Because service is usually prepaid, would n't they OWE ME a credit anyway? They did n't issue me a credit for the service I paid for that fell after my cancellation date? Something seems fishy here.
Consumer complaint received 2017-08-04
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. (WI)

On XX/XX/2017, i, sent out dispute letters certified mail to XXXX, Experian and XXXX with return receipt with time, dates and signature received .On XX/XX/2017 XXXX and experian received dispute letters, XXXX received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the 3 credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus, states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.
Consumer complaint received 2020-12-26
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (PA)

I had to contact y'all about the disputes I had filled, and they keep telling me they are still reviewing its been a whole week that they are still saying the claims numbers are XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX and XXXX I want y'all to proceed all my disputes and credit me back a total of {$720.00}.
Consumer complaint received 2017-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TX)

I contacted XXXX to inform them that the date of delinquency in this account was the first day after I missed a payment which was XXXX XXXX 2009 and should have been reported within 90 days .this account should be in default After I did n't make a scheduled payment for a period of 270 Days from last payment according to federal Regulation. I included documentation for payments schedule and proof that XXXX got no payment past the date stated above yet ... They included fraudulent information on my credit report to default the loan at a later date so the status of limitations can be manipulated. XXXX should remove all negative information from all credit bureaus since the delinquency date was more than 7 years and no payment have been made since. Legal action will follow for this fraud.
Consumer complaint received 2018-06-15
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (OH)

This complaint is being filed against XXXX XXXX & XXXX debt who represent the creditor XXXX XXXX XXXX XXXX XXXX. I was a cosigner for my ex-husband 's student loan for XXXX College and he also attended XXXX College. He went to XXXX College for approximately 3 months then dropped out. He graduated with his XXXX XXXX XXXX from XXXX in XX/XX/XXXX. The paper I cosigned on was for XXXX that I know of for sure was for XXXX. We are currently divorced and in the divorce decree I am indemnified of any student loan debt. However, I have to sell my house and come to find out there is a XXXX dollar lien put on my property in XX/XX/XXXX by XXXX XXXX & XXXX I never signed or had any contact with the company prior to finding out about this lien. In XX/XX/XXXX they garnished my wages for a total of XXXX which was a surprise to me when I received my paycheck. Then, I contacted a lawyer who tried to get in touch with XXXX XXXX & XXXX when contacted no relevant information was given from the firm, and we tried to settle with a certain amount but XXXX XXXX XXXX XXXX would not settle for anything other than the XXXX there was never a reply back from the lawyer ( XXXX XXXX ) hired or XXXX XXXX XXXX XXXX. I realize this is happening due to the loans being put in default, however my exhusband is currently paying all student loans from XXXX and XXXX College in accordance with Federal Student Aid ( FSAID.gov ). I have never received a statement after my wages were garnished and the amount of the loan has never gone down due to my garnished wages and my exhusband paying them as well. After I contacted my lawyer XXXX XXXX my garnishment ceased with no apparent reason. This is causing a major problem in the sale of my house can you please investigate this current situation due to me being left in the dark.
Consumer complaint received 2017-06-24
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PDQ Services, Inc. (GA)

I have made multiple attempts to have this company review its medical billing practices. I contacted the insurance provider, XXXX, and had the representative contact the agency directly to receive itemized billing as well as dates. The company refused to comply with the insurance carrier stating it was not an insurance issue. The company, XXXX XXXX double billed. The company wanted me to pay, as well as billing my issuance for procedures that did not take place. I will billed for XXXX I did not receive. As shown in email communications with the billing department, the company would bill in advance for services not rendered. When we refused to pay fr services not rendered, the company sent out account to collections. We spoke with a XXXX XXXX with PDQ Services. XXXX is the representative who refused to speak with our insurance carry, and would not provided details on what we were being charged for. To date, only a dollar amount is provided, not the services for which were alleged rendered for payment. Our last communication with XXXX XXXX from PDQ Services, and XXXX XXXX was in XXXX 2017. Now PDQ Services have reported this fictitious amount to XXXX, and sent us a letter stating that " pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practice ACT, that they have provided verification multiple times, and the validation period has since passed the day 30 days. '' We have yet to receive any such communication. Just a fraudulent collection on my credit report.
Consumer complaint received 2018-06-15
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. (NY)

Im am a victim of identity theft and as a result, there are accounts on my credit that I have no knowledge of. Please remove and block these accounts from my report as it is causing stress and hardship.
Consumer complaint received 2017-06-23
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. (GA)

I was a victim of identity theft, I have sent over all proper documentation to equifax and they have not done the right procedure according to the law. In response to this they have constantly lied into that they did a proper investigation. They have reported a wrong address that is not mine and they have serveral information on my report that is not mine.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc. (FL)

There was a credit card open under my name on XX/XX/2009 and appear as closed as XXXX XXXX. Also I got an alert my email and my mailing address was found on dark web. My address is listed as company address which is incorrect. Automotive services I do not recognized this service. Please pay attention to this matter and fix it. Thank you!!