davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-06
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. (TX)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00}XXXX XXXX XXXX Balance : {$2100.00}XXXX XXXX XXXXXXXX Balance : {$1900.00}, XXXX  XXXX Balance : {$660.00}, XXXX XXXX Balance : {$10000.00}, XXXX XXXX XXXXquired on XX/XX/XXXX, EXPERIAN XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX According to FCRA XXXX XXXX ( a ) the XXXX REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Consumer complaint received 2017-09-07
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)

In correspondence dated XXXX XXXX I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries. 
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.
Consumer complaint received 2017-01-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

My name is XXXX XXXX and I unfortunately am a victim of the fraud at XXXX XXXX XXXX. I suspected and was very suspicious from the start of Predatory high interested loans in which caused me to default and keep putting in foreberance. I am unable to get a job nor has the school sent me on XXXX interview. There were also monies that I am owed through stipend checks that XXXX never gave me the option to receive. They just kept rolling it over into next semesters cost and fees without even giving me an option. I was the XXXX student to enroll and on paper at XXXX XXXX XXXX of XXXX, PA at XXXX XXXX XXXX, PA XXXX. The campus in XXXX XXXX was just getting set up under Director XXXX XXXX and XXXX XXXX XXXX. I was there for about XXXX semesters and they did n't even offer night classes which effecting me getting work and I had to turn down several jobs. I ended up switching campuses doing one semester in XXXX, PA and then a couple at XXXX XXXX, PA Campus before finishing up back in XXXX XXXX XX/XX/2016 in which I graduated with an XXXX in XXXX. The teachings were outdated, the books, literature and all were ridiculously expensive and has left me in dire financial straits. I want to sue for XXXX, XXXX and XXXX, mismanagement of funds, misuse of funds, predatory lending etc.. I want all of my loans to be forgiven subsudized and unsubsidized. I am also suing for monies owed. I would like to take part in this lawsuit and testify. They owe me lots of money! XXXX XXXX XXXX and XXXX XXXX XXXX took over in the end.
Consumer complaint received 2017-09-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (IA)

On XXXX XXXX, XXXX I mailed a check # XXXX in the amount of {$2800.00} to pay in full statement due on XXXX/XXXX/XXXX. This check was cashed and never applied to my credit card account. A letter dated XXXX XXXX, XXXX from XXXX XXXX a collection company was sent to me stating they were collecting on a past due debt. I responded with a dispute. On XXXX/XXXX/XXXX, I received a letter from XXXX services stating they investigated how they were reporting my information. They confirmed the information as accurate that my account was closed by the credit grantor on XXXX XXXX, XXXX. They received my last payment on XXXX XXXX, XXXX and my account has a XXXX dollar balance. After they continued to report my account as past due with a balance I again disputed the information. The executive office first claimed they never sent the letter stating the account was paid so I sent them a copy. They they sent me a letter dated XXXX XXXX, XXXX stating they never received the payment and only issued a temporary credit on my account and reversed it because the information was illegible. This is all 8 months after sending me a letter saying its a paid account and closed. They have been paid and I have a letter from the company stating just that. This account should not be reported as past due, delinquent or have a balance. This is only damaging my credit score and credit history.
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (FL)

Hello XXXX  : I recently paid off my Citibank Card ending in XXXX on XX/XX/XXXX ( I paid twice in one month  before the next statement balance was scheduled ; First I paid onXX/XX/XXXX ). However, for the month of XX/XX/XXXX, onXX/XX/XXXX, I decided to check my account again and noticed a {$.00} ( XXXX cent finance charge ) still put on my account. Anyhow, because of this {$.00} charge, I called Citibank onXX/XX/XXXXat  approximately XXXX XXXX est, and explained to them the issue that my account has been closed for years, and I just paid it off on XX/XX/XXXX  The customer service person assured me that this was a clerical area, and that this {$.00} charge is now off my account. However, I do not want any late charges or late fees associated with this mishap to affect my credit score. Could you please look into this matter? I have two documents that proves I paid for this account in full. The customer service representative was named " XXXX '', apparently a foreigner. I did check my account to see if the account still display the charges and it does not as of XX/XX/XXXX, but I talked to Citibank onXX/XX/XXXX at approximately XXXX XXXX. est. Please help ensure that this incident does not affect my credit score adversely. I have two documents to support what I say. Please note : Both files have similar names but they are different. As a follow-up to my account ending in XXXX, onXX/XX/XXXX my account read - {$.00}, that is right, negative XXXX cents. I am not sure what is going on. Please help me. Thanks. I have contacted you about this issue on XX/XX/XXXX in regards to my Citi Bank card that I paid off inXX/XX/XXXX ( please reference the previous email ). I have also included another document to prove what I say. Then, on onXX/XX/XXXX, a letter that is dated XX/XX/XXXX, arrived at my residence that states that I have a {$.00} balance. This account should be closed.
Consumer complaint received 2017-09-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX I was offered 0 % APR for 12 months and a 3 % fee on balance transfers, which promo was ending onXX/XX/XXXX, so I transferred most of my credit cards that high interest including XXXX card. Now my XXXX bill cycle generated and now it 's charging me almost {$50.00} of interest, so I called them up and ask them why is there an interest it should be no interest at all. They said because XXXX is not part of that deal. They asked how did I do the balance transfer, did I talk to someone or did I transfer it online myself, so I said I did it myself, so now they 're claiming well it 's not part of The 0 %, so I explain I did try to call them but every time I called them but its always more than half an hour wait or hard to get through someone, so after talking to this lady she put me through her supervisor and she said that no there 's nothing we can do, or the only thing you can probably do is you can call XXXX and tell them to put it back on that account, then put it back on our account ( XXXX XXXX ) but there 's no guarantee that you 'll get this 0 % again, so What 's the point of even trying that, she 's no help, so when I said I need to speak with someone that 's higher than you she said there is no one else higher than her and she is a supervisor. That she is the Senior Acct Supv named XXXX # XXXX. I still have the email that shows that offer.
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A. (NY)

I deposited fraud ATM withdrawals that wasn't me and citi bank closed my account and only sent me a XXXX check. their were almost XXXX. In charges on my account that wasn't sent back to me. I tired to contact the bank but they state there is nothing they can do with the money snice my account is closed. I'm requesting a check be mailed out for the rest of the money that i disputed.
Consumer complaint received 2021-04-23
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (CA)

XX/XX/21 rocket mortgage/quicken loans would not provide a home loan estimate. I was told to verbally agree to this and was unable to show me the loan estimate. I kept asking why he was unable to do so when other companies did without hesitation. I clearly asked him, do I need to pay you 500 dollars in order to get this loan estimate and he said yes. I explained to the loan officer how this didn't make sense and made it harder for me to shop around. He avoided explanation and further details.
Consumer complaint received 2021-04-23
Product: Vehicle loan or lease — Lease
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FORD MOTOR CREDIT CO. (FL)

MY HUSBAND GOT A XXXX  XXXX WHICH DUE TO AN ACCIDENT WAS TOTALLY LOST, THE INSURANCE PAID EVERYTHING HOWEVER WE RECEIVED A LETTER THAT WE HAD TO PAY {$1000.00} AND FOR THE WRONG INFORMATION WE BOUGHT ANOTHER VEHICLE GIVING A DOWN PAYMENT WHEN WE WERE COVERED, REPORTED THE XXXX AS WE WERE LATE WE PAID THE XXXX AND IT WAS STILL REFLECTED WHEN THE PERSON AT XXXX CREDIT  INFORMED US THAT IT WOULD NOT BE REFLECTED IN MY CREDIT BECAUSE IT WAS AN ADMI ERROR ...
Consumer complaint received 2021-04-23
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: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

In the last few months I'm getting application letters denied by requesting credit cards that I haven't applied for and that affects my credit. XXXX XXXX, Bank of America, XXXX XXXX and XXXX/ XXXX XXXX
Consumer complaint received 2021-04-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (TX)

Good afternoon, On several occasions I have made attempts to contact XXXX, XXXX  and XXXX  regarding this collection debt in question that I have no financial interest in nor does it belongs to me. Not once has Jefferson Capital sent me any kind of documentation nor has the credit bureaus. This negative debt is affecting my credit in more ways than one and all I ask the credit bureaus and collection agencies to do is their job. I am not responsible for this debt whatsoever as this debt belongs to my ex-husband and not me. Please do your job and remove this account for my credit report asap. Your attention to this matter is very much appreciative.

Jefferson Capital Systems-XXXX
Consumer complaint received 2021-04-23
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. (NY)

Attention XXXX, XXXX, and Equifax. I am a victim of Identity theft. There is a fraudulent account on my credit report that is not mine. I filed an Identity theft report with the Federal Trade Commission. I have attached proof of my Identity which is my Passport and a utility bill for proof of address. I have listed the fraudulent account below. The fraudulent information is not related to any transaction of mine. Please block and remove this account within 4 days of receipt according to FCRA Section 15usc1681c-2. I also have a notarized letter stating that it is me that sent this dispute through the CFPB that is also attached.
Consumer complaint received 2017-09-06
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Solomon and Solomon, P.C. (NY)

On XX/XX/XXXX I contacted Soloman and Soloman P.C in regards to a debt owed to XXXX in the amount of {$360.00}. I stated that I disagreed with the amount owed and offered a settlement amount. I was told this process could take up to 3 business days for a response. I checked back on XX/XX/XXXX and no response was received. I checked again onXX/XX/XXXX and was told no response was received and that the request would be resent to XXXX. On XX/XX/XXXX I followed up on the 2nd request and was told I would have an answer back by XX/XX/XXXX. I spoke to the collection agency on XX/XX/XXXX and was told that the request would have to be resubmitted a 3rd time and now it could take up to three weeks for a response back from XXXX. I believe that the collection agency/creditor are dilibertly delaying the process in the hopes I will become frustrated and run out of time, and will pay the amount they are requesting rather than the amount I offered in settlement.
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2 (NJ)

I have been a XXXX XXXX XXXX since XX/XX/XXXX.
On XX/XX/XXXX I had an emergency and was near XXXX XXXX in XXXX New Jersey. I informed the ER I was a 100 % VA Patient and XXXX XXXX XXXX and my Primary Care Doctor at XXXX XXXX XXXX XXXX XXXX that VA pays for outside emergency care. 

VA did pay for XXXX 's care however, I did not know that XXXX XXXX XXXX XXXX had charged {$800.00} in addition, and in XX/XX/XXXX I saw on my credit report an account for ARS. I called ARS in XX/XX/XXXX and told them I was a VA patient, they told me to contact VA. I did so by contacting ( which took a few months to get a hold off ) XXXX XXXX XXXX in XXXX who told me to have ARS contact them and in the meantime dispute it on my credit report, which I did. 

Each time I would call in and tell ARS this over many times. I disputed this, ARS still claims I must have the VA call them. Even though I am not responsible for this and without their doubt, VA pays for that health care as they told me VA calls them. However, the person I called on XX/XX/XXXX told me spefically they are not able to call VA, which I asked why, especially after I have disputed this and their account comes off my credit and then is reported over time.
The answer was again " We are not able '' So as I told her, perhaps it would be better for us as veterans to have ARS contact VA for their payment, and for their company to get paid instead of putting false information on our credit reports. 

I asked for the debt in the mail as well as the policy for not being able to ask the VA for the payment. She transferred my to her supervisor, without any rings, it went to voicemail. 

I do n't understand ARS, if they require payment, why not ask the source instead of having a Veteran like myself do the work and now complain? I will ave to  again ask my local VA to seriously take that concern as well. This has impacted my credit and life many times, because I do n't understand the obvious nature of just asking the correct information for their payment. 

I also believe, perhaps they are not understandig it even may be against the law to report this on my credit report, they refuse to work with me, if I have to hire an attorney is that not also an indication of ARS breaking the law for whatever reason, they will get paid by VA, but impacting my credit like this I do n't understand why I must mediate between Veterans Affairs and ARS.
How this affects veterans is also obvious, although we can use outside resources like this in an emergency, I do n't know why after years of not having bills paid which again, even though VA paid XXXX, how am I supposed to know there is an additional bill, how was VA supposed to know, who was the person from the start that did not place that information on what insurance I had since I showed my VA ID Card and VA paid XXXX? 

Why not ask that instead of affecting me? The only control I have is to complain, dispute, and ask them to take it off and contact VA.
Consumer complaint received 2023-05-05
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: PREFERRED CREDIT INC (NM)

I disputed the account for Preferred this on XXXX website, the XXXX website and thru XXXX  website. I also made a complaint thru the FTC regarding this as well. I tried calling the company, but got no where. They said that the person had submitted a copy of my license to finance this. I'm not sure if this was a fake license or what. Which has happened years ago where someone made a fake license to cash a fraud check against my account.
Consumer complaint received 2017-09-06
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. (UT)

I have disputed the account on XXXX XXXX XXXX XXXX multiple times with Equifax. They continue to keep this account on my credit after validation request was not provided. There was a couple of times that I did not get a response in timely manner from Equifax. I have given Equifax information that XXXX has not provided validation of the debt and the other credit agency 's have already deleted this from my report but Equifax continues to state this is validated and it clearly has not been validated.
Consumer complaint received 2017-09-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I have a checking account with the Bank of America on Saturday XXXX/XXXX/XXXX, I received text alert indicating my account was overdrawn, then my XXXX membership fee which is automatic recurring charge was applied XXXX/XXXX/XXXX & I also received a text alert too. On Tuesday morning XXXX/XXXX/XXXX, I received another text alert stating that overdrawn fee of {$35.00} was added & a afternoon text alert came stating insufficient funds to my account. Wednesday morning XXXX I received another text alert stating my Bank of America account is still overdrawn an the negative amount. Thursday XXXX I received another text alert stating ( " Bring your account current before XXXX/XXXX/XXXX to avoid a {$35.00} extended overdrawn balance charge. This is in addition to overdraft fees '' ). Friday XXXX/XXXX/XXXX @ XXXX I went to Bank of America ATM deposited {$100.00} in cash, I received a text alert Saturday morning XXXX/XXXX/XXXX XXXX indicating a positive Available balance for my account & Sunday morning XXXX/XXXX/XXXX & Monday XXXX/XXXX/XXXX the same statement via text alerts. On XXXX/XXXX/XXXX Tuesday morning XXXX, the same text alert positive available balance, then at XXXX on XXXX/XXXX/XXXX text alert came your available balance on your acct has dropped to negative & {$35.00} overdrawn fee was also applied.
Consumer complaint received 2017-09-06
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: Colony Brands, Inc. (NY)

XXXX / XXXX XXXX XXXX Swiss Colony / XXXX XXXX XXXX XXXX XXXX, WIXXXX I saw this appear on my credit report. I mailed request for validation by mail ( with tracking number, it was delivered ). They never responded. After the time had past, I contacted XXXX, XXXX and XXXX, with a certified letter ( with tracking number, it was delivered ) explaining I had requested validation of the debt, as I had no idea what is was, and that the company had no responded. Apparently then the agencies contacted the company and the company told them the debt is valid but it is not. They are in violation of the law. XXXX removed the listing from my credit report. However it is still showing up on XXXX as XXXX XXXX and on XXXXXXXX as XXXX. I want this removed off my credit report on all three agencies immediately and also a letter from XXXX XXXX saying I have no debt with them. If they ca n't show me a signature page, or and itemized statement, they have to remove this. It was listed as home visions on XXXX XXXX report and XXXX XXXX  on XXXX report, same address, but i have filed a separate complaint for XXXX XXXX and XXXX and Swiss Colony but it now shows up as Swiss Colon / XXXX as well as XXXX  They keep changing the name.
Consumer complaint received 2017-09-06
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Borenstein & Associates, LLC (CO)

I sent the company a letter on XXXX/17 asking the nature of the debt and to please stop calling my coworkers and cell phone. I asked that everything be submitted in writing. I received a call at my office today XXXX. the person refused to identify himself and said that this was regarding my job. The number matched the place that I keep getting phone calls from as well as one letter telling me I have 30 days to dispute the debt. Then at XXXX I got a call on my cell phone and I explained that I did n't want them call me at my cell or my office and this is the 3rd time I have had to tell them, and that I submitted a dispute in writing along with telling them that I did n't want them to contact me by phone. The person on the other end of the phone said " I do n't care about your XXXX letter, " and then hung up. The company is a " law office '' in XXXX, Colorado called Borenstein and Associates the number is XXXX. I have copies of the letter I sent and I have a witness to the phone call in my office.