davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: 21ST MORTGAGE CORP. (OK)

Payments I have made and have the correct dates. This company not given me credit for some, They also, have sent me letters and charged me for being late at least 30 days when I was not. They do not reflect the dates when the payment is made due to a indept accounting statement. I have kept receipts and the employees change too often. Their time is Eastern and mine is Central Standard.
Consumer complaint received 2017-08-21
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. (CA)

Experian has reinserted a removed item from my credit report without notifying me in writing within the five business days required which is in violation of the FCRA, ( A ) ( 5 ) ( B ), which carries a fine of XXXX.
Consumer complaint received 2017-08-19
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAINE & WEINER COMPANY, INC. (TX)

I hired XXXXXXXX XXXX to perform a task for my business. I owed them {$400.00} in which was paid XXXX XXXX, 2017. I then begun to get multiple calls from Caine and Weiner a collection agency based out of California. I advised them multiple times that I did not owe any money to XXXXXXXX XXXX in which XXXXXXXX XXXX verified. However they are still calling me all hours and times of the day from different numbers and area codes. They also have put the charges on my credit report.
Consumer complaint received 2022-01-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (MN)

I received a letter from the National Credit System INC, regarding a debt of {$4300.00} from XXXX XXXX XXXX. The debt is in reference to 4 months of rent free living for a year long lease. I moved into XXXX XXXX at the end of XXXX  XX/XX/XXXX. They misrepresented them as XXXX XXXX. The agent that worked with me was XXXX XXXX from XXXX XXXX XXXX Upon moving in it was clear that the apartments were section 8 housing and not XXXX. On XX/XX/XXXX, I was threatened and assaulted in the XXXX XXXX XXXX  private parking garage by another tenant. I called 911 and filed a police report. On XX/XX/XXXX my father and I went to meet with the management of the building, meeting with XXXX XXXX. I explained what happened and how I was scared for my safety. There was no action taken on the management side. Management refused to follow lease protocol against the offending tenant. With no action being taken I was required to move out for my safety. I was aware that I would lose my deposit. After moving out I received an email from the management on XX/XX/XXXX, requesting payment for the concession rental incentive. I responded by disputing their claims. I did not hear anything back from them. I was shocked to have received a letter in the mail from a collections agency more than a year later. I thought this matter was resolved as I provided proof that management was negligent of my safety and moving was not by my wrong. I also got no notice to have the ability to contest this matter until this collection letter.
Consumer complaint received 2017-08-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc (NC)

Bull City is reporting a medical debt from XXXX XXXX XXXX XXXX XXXX XXXX on my credit report that is not my responsibility. I am fully insured by the XXXX, and the XXXX scheduled this appointment for me at this office. I told XXXX XXXX XXXX XXXX XXXX XXXX several times that this visit should be billed to the XXXX, but they never did bill it properly. Now they are having Bull City Collections report this bill on my credit report simply because they never billed it correctly.
Consumer complaint received 2017-08-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (MO)

I 've disputed a XXXX XXXX account ( # XXXX ) on my credit report twice with Equifax because its inaccurate. The account continues to report after the statue of limitation. Equifax insisted that the account is reporting correctly. I was advised by Equifax to contact XXXX XXXX  directly to resolve this problem. I 've attempted to dispute this account with XXXX. I spoke with a manager in the credit card department by the name of XXXX ID # XXXX onXX/XX/XXXXat XXXX and she stated the account has not been reported by XXXX XXXX since XX/XX/XXXX and that there was no information she could provide because the account has been past the statue of limitation. XXXX  advised me to dispute this issue with Equifax. In conclusion, I am stuck with no resolution. How is Equifax reporting this information accurately when the account holder can not be provided with any information? I requested proof of validation from Equifax and I 've yet to be provided with any documentation. I am requesting that this account is deleted immediately.
Consumer complaint received 2017-08-19
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

I make payments to American Education Services twice monthly. I have numerous loans both Federal and Private that they service. I make the payments in full that are listed on my account on their  website. I continue to get Past Due notices from a collection agency saying I have " {$0.00} '' or a negative balance Past Due. How is a negative or XXXX balance Past Due? I received notice in XXXX 2016 that they misapplied my payments after I did a short term deferment, however, I continue to get Past Due notices for no balances. If I am paying my payments in full every 2 weeks, how can I even have anything past due unless they are continuing to misapply my payments. I have contacted them on numerous occasions getting different answers, saying I need to specify what loans I want to pay with each payment or that they will look into it. I have done all of their suggestions and continue to get these ridiculous past due notices from a collection agency.
Consumer complaint received 2024-10-18
Product: Credit 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: COMMERCE BANK (FL)

In the XXXX week of XXXX, I received a call from a Commerce Bank Fraud Department Investigator. She called to ask me about charges that she thought might be fraudulent. She asked me about some of them and I told her the ones that were mine and those which were not. 

They did an investigation and concluded that they would remove {$230.00} charges but would not remove {$15000.00}. The reason they denied those other charges is because they sent me a text asking me if I tried to make a {$100.00} charge, which I had. Their text did not include the name of the merchant. 

I am attaching a more detailed letter. 

I have never had a credit card company reject removing fraudulent charges.
Consumer complaint received 2017-08-21
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: Marlette Funding, LLC (GA)

Im a victim of identity theft and have had a fraudulent personal loan opened in my name with a company by the name of BEST EGG/SST. I have a fraud alert on my credit file, and have sent them my police report, affidavit from the FTC, and sent them information regarding this being a fraudulent account. The address on file that BEST EGG/SST have for this fraudulent account does not belong to me, and Ive never resided at the address. This company keep trying to validate this account as being a valid account, because this account was opened in my name which in inaccurate. I didnt consent, authorize, apply, nor request for this fraudulent personal loan to be opened in my name. I have several documentations showing that this is a fraudulent personal loan, but this company keep trying to validate this account with the credit bureaus as if this is a valid account. The address on file is does not belong to me, the account was not authorized to be open by me, and Ive been a victim of identity theft over a year. The XXXX police department deemed this fraudulent account as a fraudulent personal loan, and it is documented with the XXXX police department that, Im a victim of identity theft. Per the FTC if an account is reporting inaccurately or if a consumer is a victim of identity theft the account is suppose to be removed off of a consumers credit file. When a consumer is a victim of identity theft that account that was opened in the consumer name will show that the account is a valid account. Due to the fact the perpertrator who opened up the fraudulent account in the consumers name used the consumers personal information to have the fraudulent account opened. Identity theft has been on the rise for a very long time now, and several consumers are being affected by individuals stealing their personal information using it to open up accounts in the consumers name. Im a victim of having someone steal my personal information and use it for their personal gain which has lead to this issue, Im having with this consumer. Im not going to be liable nor responsible for a fraudulent personal loan being opened in my name as if, Im the one that applied for this fraudulent account. Ive also submitted a FTC/IDENTITY THEFT REPORT as well with the government deeming this account as a fraudulent account, and this account need to be deleted/removed off of my credit files asap. This is not my account, and I shouldnt have to deal with an issue as such. I need assistance with having the account removed off of my credit files asap, and for this fraudulent personal loan to be removed out of my name immediately.
Consumer complaint received 2017-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

After several exhausting attempts to resolve this matter, ARS account resolution is reporting debts that I do not owe. This matter is affecting me emotionally and financially. ARS account resolution has failed to validate this debt directly to me, and only verify it with the credit bureau whenever disputed. ARS account resolution have no signed agreements between me and the stated party that they claim to represent which would make me responsible for this alleged debt. This is my last attempt to resolve this matter, otherwise they leave me no choice but to seek litigation. Final attempt.
Consumer complaint received 2017-08-22
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. (MD)

I disputed a collection account XXXX XXXX XXXX in XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with the credit reporting agency. The collection agency was unable to properly verify and validate this particular said debt. Even after requesting a re investigation as well as proof of how the credit reporting agency determined this debt to be verified, I was informed that there was no formal investigation and that they only required for the collection agency to enter a code elctronically to verify that this debt that I had no prior knowledge of was accurate. The collection was even removed from my credit file in XX/XX/XXXX and then re inserted without providing me the proper 5 day notice prior to. After calling the credit reporting agency, I was informed that the collection agency may have removed and re inserted the collection in error and that they were unable to remove the debt unless I provided them with a police report. As a result of this misinformation, it has caused me higher rates on my insurance, vehicle purchases, and is also making it hard for me to obtain a mortgage for me and my family.
Consumer complaint received 2017-08-21
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. (OH)

FROM XX/XX/XXXX TO XX/XX/XXXX Making payments to XXXX at {$300.00} a month starting in XX/XX/XXXX. When the Student loan forgiveness act was to be introduced they created Navient to handle services, avoiding the forgiveness act. 

Being a XXXX XXXX i am eligible for dept forgiveness after 10 years. I am currently 7 years from retirement. I believe they deliberately split Navient off to continue to reap gains on payments thus taken the onus off them! In steps Navient to continue to deny any payment to the forgiveness act. 

They say the only way is to refinance. In steps XXXX through XXXX XXXX XXXX. 


Its a shame that the XXXX XXXX XXXX let this happen, corprate greed has destroyed this country.
Consumer complaint received 2017-08-22
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: Fidelity National Information Services, Inc. (FNIS) (NC)

Spoke to bbt, forwarded documentation supporting my claim of this account being fraudulent. It was agreed to be removed, but still showing on chexsystems. I have also today ( XX/XX/17 ) contacted my lawyer who will be sending out intent to sue letter, I have had my rights violated under the fcra. Asking that this account be removed from the chexsystems file immediately.
Consumer complaint received 2017-08-21
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. (CA)

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Consumer complaint received 2022-01-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NC)

Infrequently, I have used PayPal to buy items online. 

Recently, I went to order XXXX  Air Pistol sights online and bought things from a fraudulent store. Unfortunately, I did not discover it was fraudulent till after the payment went through and PayPal did not provide any resolution. I sought resolution with XXXX and the issue was resolved. The amount in question is XXXX USD, but it could have been a larger sum and this had me on high alert. 

Afterwards, I attempted to close the PayPal account. I was able to detach the credit card ( which had been cancelled ) from the account but PayPal will not allow the account to be closed. They do not answer emails, their telephones, and I suppose the next step is to hire an attorney or seek restitution via the US Federal Government on closing this account? As a consumer, I do not know the laws around this, but to intentionally allow fraud, online, across state lines then refusing customers the right to close accounts sounds as if the digital wallet company enables wire fraud and participates in scams? 

Request assistance.
Consumer complaint received 2017-08-20
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: Santander Consumer USA Holdings Inc. (CA)

I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. Santander Consumer USA is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to Santander Consumer USA requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow Santander Consumer USA to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #
Consumer complaint received 2017-12-05
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. (NC)

Submit document for XXXX XXXX earlier this years receive paper confirmation that the history or the account will be removed because company took to Long to respond and there was no proof of the account. The account was being mailed to wrong address and the wrong email I never received any bill. Results stated on paper that they will remove the historical data of the account but it 's still posted I have been fighting this for months even though I have the paper work. Now that I have paid the account off the historical data is hurting my credit file. I 'M REQUESTING THE ACCOUNT BE REMOVED FROM MY REPORT. Or the historical data all be deleted. 

Also the address and the social variation is not mine.. I keep sending over documents to get these address removed and I also have active alert but I keep seeing address being added to my account and address staying the I do not know. THESE ADDRESS ARE NOT MINE. MY ADDRESS IS XXXX XXXX XXXX XXXX ALL OTHER NEED TO BE DELETED
Consumer complaint received 2015-08-27
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC (VA)

Yesterday, XX/XX/XXXX I recieved a Warrent in Debt from XXXX XXXX Court House, In XXXX XXXX Virginia. 

It States I owe a debt with XXXX which I do. And Shows that XXXX sold my account to Cavalry in XX/XX/XXXX. 

I recieved no letter from Cavalry warning me of any suit or to resolve any debt issue. I was not provided the opportunity to excersise my rights to validate the debt prior to Warant of Debt Notice. Also the amount they state is $ XXXX. When I stoped payments in XX/XX/XXXX to proceed with setting up Financial Counseling with XXXX Solution who is My Debt Councilors the debt owed to XXXX was {$1400.00}. Somewhere there is an extra XXXX that I dont know where it came from. 

in XX/XX/XXXX I had attempted to place XXXX in the Debt Program with XXXX XXXX along with my other debts brought on by a series of events last year but XXXX denied the proposal for reasons unknown. Since then I waited to see if this would go to collections and no notices where recieved. Until yesterday I recieved a package of a warent in debt with a credit card statement. There are no letters showing anything from the Cavalry company. 

I ask that This can be resolved without court action. I have submitted a letter to them by researching their phone number online and finding a fax. I sent a leter via fax to XXXX today XXXX XXXX, XXXX know I had a debt of {$1400.00}. The most I can pay is {$30.00} a month for the current time. I 'm the sole provider for my family and my husband is XXXX. My children are only XXXX and XXXX. 

Any Help in understanding this matter would be greatly appreciated.
Consumer complaint received 2021-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$560.00} XXXX XXXX XXXX Balance Owed XXXX {$4500.00} XXXX XXXX XXXX Balance Owed XXXX {$5200.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$750.00}
Consumer complaint received 2024-09-04
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. (FL)

my social was stolen and has been used to apply for infomation i have unathorized inquiries on my account that do not belong to me and and accounts that have NEVER been mine and are reporting on my credit profile I have a brand new are not mine INQUIRIES - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX ACCOUNT - XXXX XXXX XXXX - NEVER WAS MINE XXXX  - XXXX - WAS NEVER MINE