davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-04
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Amsher Collection Services, Inc. (TN)

Repeated calls that we refuse to answer, we do not owe anything to any companies, no past due debts, no outstanding payments. 
They leave messages everyday, they call 2 or 3 times a day. I have called their number and no one ever answers, goes to voicemail. 
This has been going on for 3 weeks + now ...
Consumer complaint received 2018-10-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (GA)

Navient calls multiple times a day regarding past due payments. The calls begin 1 day after the due date and so far today ( it's XXXX EST ), they have called the co-signer on the loan 3 times because the payment is 1 day late. I was told that was their procedures, which is ridiculous. I also asked to remove the co-signer 's phone number from the account as he is a senior citizen and gets very worked up when he receives these calls. I have told them that they are free to mail him any documentation they want but the phone calls need to stop. They said they can not do that. They do absolutely nothing to assist my son in lowering the payments or deferring the payments while his income improves. Additionally 2 years ago we submitted paperwork to remove the co-signer, my son met the requirements, and each time we called they said they were working on it. 

This is the WORST company ever to handle student loans. Clearly they have no compassion for the kids who come out of college with $ XXXX in student loans and are trying to make a living to pay for it.
Consumer complaint received 2015-08-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ESCALLATE, LLC (FL)

My Adult son was on my medical insurance and the deductible/balanced owed was billed to me not him. He sought medical services and signed the authorization for treatment/payment. I tried multiple times to get this corrected but the company refused to correct their billing information. The bill was paid, however the company refuses to remove it from my credit report. I have tried to dispute it will all XXXX reporting bureaus, however I am being told that because the insurance was in my name I was ultimately responsible for the late payment/collection action. All XXXX credit reporting services refuse to remove it ( last dispute XX/XX/2011 ) because they say the company validated the debt.
Consumer complaint received 2016-08-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

SLS is attempting to do fraud on this loan by illegally inflating the value of the property because they did n't like the value they just got back from their own paid for interior bpo. On XXXX/XXXX/XXXX was advised that the lender 's interior value came in around XXXX which was around the amount of my current offer. At that time we countered buyer to highest and best and received an offer meeting the lender 's counter. On XXXX/XXXX/XXXX lender confirmed receipt of docs and stated file was under review. On XXXX/XXXX/XXXX was advised that the file was closed due to requested docs however the file should of not been closed as they gave no time for us to submit the XXXX pieces of paper they were looking for. On XXXX/XXXX/XXXX was advised there was a sale date which is a violation of CA anti dual tracking laws as this file was in a foreclosure alternative program and we were then advised that SLS decided to revise up their value to XXXX. This is completely unethical, illegal, illogical and unacceptable. SLS decided on their own to take an old report and try and selectively pull old data to inflate the property value as is today. The market is contracting, not expanding so any data from a month ago, 2 months ago or 3 months ago is not reflective as to what is happening today. SLS hired a licensed professional to assess the property as of this month and that value came in at XXXX that is the value. SLS needs to CEASE and DESIST from illegally trying to inflate property values which is exactly what happened in XXXX which led to the housing bust.
Consumer complaint received 2017-02-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC. (AL)

Afni sent a letter concerning a debt with XXXX XXXX that does not belong to me. I have never been a subscriber to this company. I do n't recognize this debt. This collection company has threatened to take further action without first verifying this debt. I would like them to submit any signed documentation or drivers license that they may have in their files to me to give me as much as I can to press charges against the person ( s ) that this debt belongs to.
Consumer complaint received 2024-11-18
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A. (CA)

Hello, I am submitting a complaint on Citi bank, they closed XXXX my credit cards without any warning or reason. I have tractor supply credit card with citi bank and citi XXXX XXXX credit card. I was able to use my cards previously without problem, I was doing my payments on time. I haven't received any letter, I haven't received any paperless notification in my online banking and I checked my accounts yesterday and saw that they are closed. Please help me understand why they closed them and help me to reopen it. I suspect that they did it because of my ethnicity, because there were previous cases when they would close cards of Armenian customers. Please help me, if I know earlier that they behave this way to their customers I would have opened card in another bank, but as I have already opened card with them I want them to be reopened. Thank you
Consumer complaint received 2021-01-15
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. (UT)

I defaulted on my student loans, but paid them off with the Department of Education in XXXX. 

As a side note, after I paid the balance showed as owed, I had to go back and pay 3 more times, because they kept charging more money. The final payment I made was this month in the amount of {$1.00} to make sure it was paid as they added another charge for less than a dollar. 

There are now 4 references to the same loan. I tried to get the XXXX and XXXX accounts removed as duplicates and I can not get the credit bureaus to delete them to reflect only 2 accounts with the Department of Education. 

The duplicated accounts have dragged my scores down much further than they should and because of this we are stuck living in a hotel with XXXX  young children because we can not qualify to rent anywhere or get a mortgage. 

I paid to these, they should only be referenced for the paid accounts. I need them to remove these duplicates immediately. 

This is double damage/double jeopardy and I should not have to pay an agency to fix this, they should remove it to reflect only the 1 debt, not multiple.
Consumer complaint received 2023-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (IA)

My credit file shows a collection from your agency. I was never notified of this collection. 
Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
Consumer complaint received 2023-06-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY (FL)

I have received numerous letters from XXXX at Wells Fargo Auto Finance. She states the same, ridiculous thing in each letter. 'Wells Fargo gave XXXX XXXX XXXX the money ', this is true and a very stupid thing to do. When I got my XXXX XXXX from XXXX XXXX XXXX, I had to bring in proof of income, which was 3-6 months of Bank Statements to show I indeed have the means to pay on the loan. 

Wells Fargo Auto Finance failed to do this, so it`s Wells Fargo Auto Finance who made the huge mistake. I've also attached my Award Letter from SSA showing I`m XXXX, this is a Federal Letter from SSA . It doesn`t matter what amount was written down on the sales papers from XXXX XXXX XXXX . Proof of Income has to be attached before any loan of this amount should be given out. 

I suggest that Wells Fargo Auto Finance start looking at my Legal, Federal Documents that I have attached over and over again. This also need to be put through the ADA, and I have been denied the paperwork to fill out to show that I am, indeed XXXX  and live on a fixed income. I just got my Section 8 Voucher for Low Income people, so I have to move to an apartment that takes Section 8, I can barely afford to live here, and pay on this ridiculous loan that should never have been issued to a car dealership. 

I`m getting tired of stating the same thing over and over again, which all happens to be the truth. Wells Fargo had better do something else rather than send me the same stupid information. If this continues, I may have to seek legal assistance and I`m also entitled to a free of charge as I`m way under the poverty level. this vehicle can not be refinanced, and I can not do a trade in as the vehicle was never worth close to {$28000.00}. Wells Fargo Auto Finance should have asked for proper financial documentation, they didn`t need to be there as they have mentioned in one letter to me. 

Wells Fargo Auto Finance also should have known better, and looked at the XXXX XXXX XXXX Value of this vehicle, I don`t believe they did.
Consumer complaint received 2018-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY (GA)

I have been trying to open an account with Wells Fargo but they won't let me. A fraudulent check was put into my account that I did not know anything about. I do not know who the person was. I was robbed in XX/XX/2015 and Wells Fargo put the blame on me, they have been saying I can not open another account for 7 years and some representatives told me I can't open another account ever again. I feel like that is highly unfair to me.
Consumer complaint received 2023-06-21
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: U.S. BANCORP (VA)

There is a fradulent account on my credit report showing closed and in collections/charge-off titled ELANCO FINL SVC reported XXXX XX/XX/2023. I have never done business with them and have stayed up to date on all of my accounts. I have attempted to file disputes with XXXX to no avail. I have attempted to contact the company with no response. I need this corrected immediately as I have a government security clearance and this count effect my career. Please have this removed immediatly.
Consumer complaint received 2015-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Southwest Credit Systems, L.P. (GA)

I received a call from Southwest Credit Systems about a XXXX debt in the amount of {$1800.00} that some XXXX opened in my name in XXXX, PA. and said that I owe.I told them I never lived at that address in PA. and I did not give any XXXX my permission to use my SSN to open an account.They mailed me a id theft form which took two weeks to receive.I filled the form out and sent the information requested and I mailed it back to them Priority Mail with signature required.I received a letter today from the debt collector wanting me to send more information.They have all the information that I have.
Consumer complaint received 2016-10-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (PA)

I was sent an unsolicited credit or debit card from a company called " netSpend '', along with a direct deposit form " to give to my employer ''. The information in the letter I received contained active account numbers that were pre-generated " for me ''. I 've never contacted this company. I 've never filled out any forms requesting anything like this. I 'm not part of any program or institution that was acting on my behalf. This company just created accounts in my name without my permission and sent me the information.
Consumer complaint received 2016-05-21
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Merchants Adjustment Service, Inc. (SC)

I have been receiving calls from XXXX and I have a letter from them ( XXXX XXXX/Mercantile Adjustment ) stating I owe {$1200.00} to XXXX XXXX XXXX. I do not owe any money. I have a lease, it is paid on time. I contacted the person I leased the car from, XXXX XXXX at XXXX XXXX in XXXX, Vt. She has been in touch with XXXX XXXX. I do not owe any money. This is a bogus claim from a company I see listed on the internet who have been making bogus threatening calls for years.
Consumer complaint received 2024-11-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

in XXXX I recently from XXXX to XXXX I have recently seen and automobile on my Credit Karma. I have seen a personal loan for school on my Credit Karma. Also I have seen a purchase from mattress firm that I have never Used before on my Credit Karma and as well I have seen mortgage from my house that I have no idea Ive never had mortgage. I dont know anything about mortgage. Ive never had a house on my own. I havent had a car in probably XXXX years so I dont know how this is happening Ive tried to reach out to Credit Karma many times. They have not taken anything off of my credit so it was fraud. I ended up freezing my account because of the situation and it still hasnt been taken off. It went into investigation twice the investigation went through, but they did nothing about taking anything off of my credit so someone clearly used my Social Security number or whatever it was on these behalfs.
Consumer complaint received 2023-06-21
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

XX/XX/2023 - {$1200.00} I was told by PayPal that a purchase was made to XXXX. Upon looking for them online I found that it was from a realty company. In order to file the dispute I needed to file a form. Upon filing this form I had made a mistake writing it from {$150.00} to {$15000.00}. In order to make the proper correction I would have to send then more $ XXXX 

They text me an E-Check for {$26000.00} from the XXXX XXXX XXXXXXXX which would be forwarded to my checking acct. upon there receipt of the money. 

XX/XX/2023 I needed to send them and additional {$1300.00}. Both times this was done by me going to a XXXX XXXX  sending them cash.
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (FL)

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Consumer complaint received 2023-06-21
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: TRANSWORLD SYSTEMS INC (FL)

My credit file shows a collection from your agency. I was never notified of this collection. Also, I do not believe that this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt.
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-06-21
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: EQUIFAX, INC. (WI)

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 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 2023-06-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXXXXXX 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/2022 XXXX
Consumer complaint received 2015-04-17
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My XXXX issued me a Bank of America debit card through which I would receive payment for XXXX. I am no longer with that XXXX XXXX and called the Bank to close the account. They said I should expect a check in the mail in 7 to 10 business days. That was in XXXX. It 's now been 2 and 1/2 months. And after repeated calls still no check. They said my first and last names were switched. The first XXXX and last XXXX digits of my account are XXXX