davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-07-29
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: Navient Solutions, LLC. (TN)

I HAVE COMPLAINED ABOUT THIS SITUATION FOR 10 YRS IS ANYBODY LISTENING OR WILLING TO HELP. NOW THIS IS SENT TO ANOTHER COLLECTION AGENCY WHICH IS CALLING PPL HARASSMENT GIVING THEM PERSONAL INFORMATION. I DID NOT REPEAT DID NOT GO TO THE SCHOOL I DECIDE I DID NOT WANT TO ATTEND. I HAVE SAID THIS OVER AND OVER. NOW I RECEIVED A LETTER FROM THIS COMPANY ABOUT GARNISHMENT FOR WHAT. I NEED HELP OR PLEASE DIRECT ME TO SOMEONE THAT CAN RESOLVES THIS FOR GOOD. OR I WILL HAVE TO SUE THE COMPANY FOR CONTINUE HARASSMENT AND NOT LISTENING TO THE RESULTS. THANK YOU FOR YOUR HELP, XXXX HELP US AGAINST THESE COMPANIES LOOKING FOR FAMILY MEMBERS AND HARASSING SENIOR CITIZENS EVERYDAY!!!!
Consumer complaint received 2018-07-29
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (CO)

I receive regular emails from an entity called " ACE Cash Express '' claiming that I owe a loan installment -- see below : XXXX, We'd like to remind you that a payment of {$170.00} is due on XX/XX/2018 at the ACE Cash Express located at XXXX XXXX XXXX. 

If you have any questions, please don't hesitate to call us at XXXX. We'll be happy to help. 

Sincerely, ACE Cash Express XXXX XXXX XXXX XXXX XXXX, KS XXXX This is a fraudulent claim because I have no loan from ACE Cash Express. I've called the phone number to explain, but I continue to receive the emails. I'm concerned that this may be affecting my credit rating.
Consumer complaint received 2019-11-25
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: Nelnet, Inc. (NV)

I was in deferment since XX/XX/XXXX. XXXX is reporting on two of my accounts that I am 90 and 120 days late ( XX/XX/XXXX and XX/XX/XXXX on each ). I was in deferment firstly. Second, they report in every month prior to XX/XX/XXXX that I am on time. So then, how can I be 90 days late in XXXX seeing that I was on time just 30 days prior.This is an injustice. This complaint extends to the two reports I have with Nelnet as well. In XX/XX/XXXX ( on deferment mind you ), they report me on time and then 90-120 days late XX/XX/XXXX through XX/XX/XXXX while I was on deferment. They do the same thing in XX/XX/XXXX through XX/XX/XXXX and once again in XX/XX/XXXX. This is exactly the same for both reports. 
Now, doesn't law state that anything on my report that is untimely, inaccurate, or unverifiable MUST be removed? Everyone knows that there are no months with 90 days in them. So, since there are no months with 90 days in them, reporting me late 90 days ( not once, but a combined 5 times ) would be inaccurate! And what was it the FCRA stated about inaccurate information? That's right! It must be removed. How is it that XXXX, Nelnet, and XXXX all ignored my dispute and continued to report inaccurate information? I know my rights and the law. For three companies who operate daily under this law to continue reporting this inaccurate information in a huge violation of my rights and the law.
Consumer complaint received 2019-11-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (IL)

Lost and Stolen card used without my permission filed IC3 Report with FBI and FTC report number XXXX Would like to have balance to be {$0.00} and taken of credit report also since its against the law to have on credit report
Consumer complaint received 2021-01-05
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

The IRS has sent my Stimulus check to my closed account saving account ending in XXXX via Chase. However, I reached out to the escalations team member XXXX and they told me that if I do not reopen an account then they will send the money back to the IRS. 

Unfortunately, I was unable to open a new account because I owed a balance with an old checking account. Therefore, I reached out to XXXX ( XXXX ) and he advised me to open a new account at the local branch, but he could not guarantee that the stimulus check would transfer to the new open account ( if I get approved ). 

Like I mentioned to him, I do not have transportation to get to a branch and it is late in the day and the branches are closed.
Consumer complaint received 2017-11-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (FL)

On or around XXXX XXXX I contacted the original creditor ( XXXX XXXX ) regarding a outstanding balance of approximately {$4500.00}. The reason for the default was due to my medical condition. The reason I contacted XXXX XXXX l was due to my Bankruptcy consideration. They agreed to settle for approximately {$2700.00} in writing and they will remove all negative information based on our agreement. After making the first payment of {$330.00} ( 45 days later ) the item was still being reported incorrectly. My bankruptcy lawyer tried several time to contacted XXXX XXXX and both he and I received no response. 60 days later the account was removed. XXXX XXXX a collection agency ( NAR INC )  reported on all XXXX credit agencies. I contacted the collection agency and the refused to remove or delete the collection. Please Help.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

During this big Equifax hack, I am dumbfounded by how careless these people were with our most valuable information. I am sure some of my information is floating out there on the dark web, and I may never know it, or it will pop up and surprise me one day when my credit is wrecked, or my idnetity has been stolen. I do NOT take this matter lightly. This is an insanely serious matter that I demand compensation for emotional abuse. This has me worried every day in and day out. I can never stop thinking about who has my information, or when I will finally be compromised. I am a worrier, and this is an awful feeling to have as a burden on myself everyday. I know this has affected my health and my well-being, and I am demanding a decent compensation to make up for any prescriptions and life altering issues I have been going through since this and the XXXX XXXX debacle happened. Please take care of this compensation or I will go up the ladder and make this a bigger issue than it has to be. Thanks
Consumer complaint received 2017-11-17
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capio Partners, LLC (FL)

XXXX with Capio Partners XXXX XXXX XXXX called me three times on XXXX/XXXX/XXXX and then three times on XXXX/XXXX/XXXX. I had spoke with a customer representative previously after I noticed their company had popped up on my credit report. I faxed over a police report regarding my identity had been stolen during the time frame in question before the aggressive phone collection calls began. I also told the customer service rep previous to the aggressive phone call that I do not owe the amount, it is not my debt and that any communications will need to be in writing. They are not to to contact me on the phone. After the second call on XXXX/XXXX/XXXX, I told the representative to cease and desist all telephone communications. I also told her again after the sixth phone call on the XXXX. I also informed her I would be filing a complaint with the CFPB and sending a certified mail Cease and Desist letter to the company on Monday, XXXX XXXX, XXXX. 

I informed the representative on the first phone call that the debt was not my debt. I wanted to work to resolve the stolen identity issue and work with the fraud department. I do have a police report as I had to make one for another company that deals with the same time frame as this company they are collecting on. I have asked what the original debt is for and they refuse to inform. They said " it is for something that could be any where in the United States '' and that they " have my drivers license. '' I also explained I am XXXX XXXX XXXX and not able to work. I have very limited income. I will not pay a bill that is not mine. I can provide proof to every statement of my idenity theft and income.
Consumer complaint received 2017-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC. (TX)

There is an entry on my XXXX credit report from IQ Data Systems. Upon investigation, I discovered that this collection account is for a remaining balance from a property management company ( XXXX ). I co-signed on a lease for my son 's apartment - when he moved out there was a balance due. I have paid this balance of {$1000.00} directly to XXXX. I have the receipt for this payment. 
This paid account should not have been sent to a collection agency ( IQ Data Systems ).
I have contacted IQ Data regarding this inaccuracy and I have received no help on this matter. They maintain that this is still an outstanding balance with them.
Consumer complaint received 2017-11-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (TX)

Today XXXX I called Navient to inquiry about my loan, spoke to several reps who clearly do n't know what they are doing. Was transferred multiple times and simply could not get answers. Each time before being transfered was informed wrong department. This is unacceptable by all means. Called to ask about how payments are being allocated as my balance shows {$180.00} yet I have an extended loan term along with automatic payments of {$210.00} a month. I agreed to extend the terms which is ok with me but for my account to show all kinds of different amounts yet my total balance never changes is very deceitful. I would like someone in writing and requested it for Navient outlining what I am paying for the life of all four loans. I have yet to receive it. I originally requested this information in XX/XX/XXXX with no luck.
Consumer complaint received 2017-11-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (FL)

This is about unsolicited calls from First Cash Advance, the calls are daily, the phone numbers they come from change each time, I continually block the numbers and they just use a new one. 

I have requested they leave me alone, I have never and will never do business with them but they wo n't stop. I keep reporting it to you but still have n't gotten anywhere. 

This call came from XXXX
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-11-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (ID)

I moved my home and transferred my service for XXXX XXXX and XXXX XXXX internet services in XXXX of XXXX. I had ongoing billing problems with XXXX XXXX for the next 8 months. I spent no less than XXXX HOURS of my time on the phone and online trying to get them to remove their billing mistakes on the old accounts. I was told that I had paid in full and thought my accounts were correct. I am still a current customer. I have had continuous service with both companies. 
Recently the company sent me to a collection agency in the amount of {$710.00} without making any attempt to notify me first. I have disputed these incorrect charges with all three major credit reporting agencies. 

I refuse to spend more time contacting XXXX XXXX billing department. They were able to keep turning off my XXXX XXXX services ( 4 times ) during these 8 months. I demand that they remove the collection attempt from my credit file.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc. (PA)

XXXX and Nelnet keep adding balances and subtracting balances from my accounts. This is adversely affecting my credit score! I am in the middle of financing and their frequent updates are detrimental to this process. First of all they do n't have my correct contact information and I was not able to be notified in XXXX and XXXX. I fax information over to them about my forbearance and I was told that it was never received. I have copies of my fax receipt were it was sent over. Several late payment was placed on my account because of this.
Consumer complaint received 2017-11-16
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. (CA)

On XXXX XXXX, 2017, I wrote this credit repository and all the creditors being reported incorrectly on my credit report. There are several collection accounts that I disputed which does n't belong on my credit report. Requested validation documents to be provided to me and I have not received what I am lawfully requesting and it is more than 40 days now. How can the bureaus report that such disputed items have been verified? How did you verify the information? Is n't it unfair that I did not receive validation documents within the required timeframe as stipulated by the law, you being able to verify the pieces of information and me, on other hand can not?! What documents did you use in your investigation? Is n't that a violation of FCRA. Not being able to provide validation documents. Reporting an item verified when they are unsubstantiated?
Consumer complaint received 2021-01-05
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. (CA)

I recently came across my updated 3 bureau report and noticed that my credit scores drastically changed. I was very disappointed so I went over it and found out that I am a victim of identity theft. Knowing my rights under FCRA 605B ( 15 U.S.C. 1681c-2 ), I want you to Block the information resulting from Identity Theft. These accounts do not belong to me. I am writing to request that you block or remove the following fraudulent accounts from my credit report immediately : The information provided is not relating to any transaction by the consumer. I have enclosed a copy of my Identity Theft Report and a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft FCRA 605b ( a ). Please let me know if you need any other information from me to BLOCK OR REMOVE this information from my credit report.
Consumer complaint received 2017-11-17
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. (FL)

To whom it may concern : I am filing a complaint against : Equifax Credit Bureau, XXXX. XXXX XXXX, XXXX, Ga XXXX, for inaccurate information and not following the law, FDCPA section 807 ( 8 ) and  FCRA section 623 ( a ) ( 3 ). I have attached multiply registered letter to both Equifax and XXXX XXXX, XXXX As well as the only papers I have ever received from XXXX XXXX, XXXX. 
What am I looking for you might ask? Information such as a copy of the original contract that they say I physically signed, supposedly agreeing to their payment terms when I opened this account. 

Not only have they ( XXXX XXXX, XXXX. ) failed to furnish me with a signed contract of monies they say I own, they ( XXXX XXXX , XXXX. ) continue to put remarks on my credit file via Equifax Credit Bureau. I have sent several certified registered letters to them asking for signed contract of debt. They have only sent me information generated invoice from their company. 

Verified : The collection agency may provide you with what they call proof, such as an itemized printout of what they claim is your account or billing statement. The FTC has issued an article on this subject, and concludes that an itemized printout does not represent verification. 
Unverifiable - you may want proof that a debt collector has the right to collect from you, and you find out that they dont have your original hand- signed contract on file anymore - paperwork gets lost. No proof of contract means no authority to report or collect from you. 

I also sent Equifax Credit Bureau information about the company in question. Equifax has not been so forth coming, saying that they have spoken with and validated the information to be true. Yet I still have not received any evidence to prove that fact. 

I would appreciate any help in this matter would be great. This matter has been going on for over a year now. 

Thank you Reference to : XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2021-01-05
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. (FL)

AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.
Consumer complaint received 2017-11-16
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)

On XXXX XXXX, 2017, I wrote this credit repository and all the creditors being reported incorrectly on my credit report. There are several collection accounts that I disputed which does n't belong on my credit report. Requested validation documents to be provided to me and I have not received what I am lawfully requesting and it is more than 40 days now. How can the bureaus report that such disputed items have been verified? How did you verify the information? Is n't it unfair that I did not receive validation documents within the required timeframe as stipulated by the law, you being able to verify the pieces of information and me, on other hand can not?! What documents did you use in your investigation? Is n't that a violation of FCRA. Not being able to provide validation documents. Reporting an item verified when they are unsubstantiated?
Consumer complaint received 2017-11-16
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: AmeriHome Mortgage Company, LLC (IL)

I have been attempting to modify my mortgage with AmeriHome Mortgage Company for over a month now. The denial reason the company provided was unclear title. When discussing this reason with AmeriHome customer service representatives ; including several in their Loss Mitigation Dept, I was informed that a {$1000.00} debt is owed to the City of XXXX from years prior to me purchasing or taking possession of the home. It was determined by AmeriHome representatives and by XXXX XXXX XXXX XXXX that the debt belongs to the previous home owner ; however, AmeriHome still will not modify my mortgage. I even sent AmeriHome information from the XXXX County Recorder of Deeds that shows there are no liens on the property. Ive called the company at least a dozen times to request the modification and even emailed them. All I am ever told is that someone will call me back ; which never happens.
Consumer complaint received 2017-11-17
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: Alliant Capital Management LLC (CO)

I have had my credit card with XXXX XXXX XXXX for less than two weeks. I started making payments on the card after making purchases because I purchase more than my credit limit in a month. I accidentally put in the wrong account number from my financial institution and realized my payments were not going through. I called XXXX XXXX XXXX to inform them of the issue. After holding for hours and being transferred over and over and calling them on 5 different occasions they finally told me to call back at the end of the week after the payments have been returned. I called them today XXXX/XXXX/2017 and I opened my account with them in early XXXX. My payment still is not due and I have n't even received a statement because my account has only been open for a couple weeks and I was notified that they sent me to a collection agency and closed my account. 

I did not receive a phone call back or any written notice despite the fact that I tried to reach out to them multiple times and spent hours on the phone with them. I was the one that found out that there was an issue with my account information for my payment and I called them to notify them. I have been treated very unfairly and they have not responded to any of my inquiries and after promising to call me back I have not heard back from them at all. I am very upset with their treatment of me and with the overall lack of professionalism. It is extremely unfair that they have closed my accounts and sent me to a collection agency after I have been desperately trying to correct this as soon as I found out and that I received no notifications or anything. Again I have n't even gotten billed yet because my account is two weeks old. I am in shock that a company is allowed to operate in this manner and possibly mess up my credit score with no warning and within a couple of weeks of opening my account. I was transferred from one person to another with no one able to assist me and spent hours on the phone on hold.
Consumer complaint received 2017-11-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

I have a $ XXXX revolving account with XXXX XXXX. XXXX  is not reporting the account even after repeated attempts to request they do. I know for a fact that the company reports to XXXX but they are not reporting it.
Consumer complaint received 2021-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

Phone payment was made to my Chase mortgage account on XX/XX/2021 and a confirmation was given. Weeks later, Chase said there was a digit missing from the payment account # and is reporting my payment as late on my credit report.