davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-09-07
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: Nelnet, Inc. (PA)

In XX/XX/XXXX I received student loan forgiveness through a program, this account was opened in XXXX, it was a XXXX XXXX XXXX at XXXX XXXX XXXX. It was with XXXX  & was broken down into 4 accounts 1 ) {$3500.00} 2 ) {$1800.00} 3 ) {$2500.00} 4 ) {$6000.00}. These were taken off of all my credit reports after my final loan forgiveness payment. Somehow the same month a new student loan was added to my XXXX & XXXX ACCOUNT with I have no knowledge of. XX/XX/XXXX an account with the US DEPT OF ED/NEL NET was opened which I have no knowledge of. I was currently working during this time of my life and I definetly was not in school. Ive called this company numerous time to get this taken care of and disputed and have not gotten any where. a representative couldnt even tell me what school the loan was for. This loan is broken down into 2 account 1 ) {$10000.00} 2 ) {$5900.00}. The weird thing is it keeps updating saying im making payments on this account and I have no idea what this is. I would like this taken care of and removed from my account because it is hurting my credit. All I can think of is that this is a case of identity theft somehow. A representative once told me it looks like they removed my XXXX  accounts and then reposted them as us dept of ed ones. Im not sure whats going on but I did not attend any school whatsoever in XXXX. I was working at a XXXX.
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (FL)

Sometime in 2019, I lost my wallet with all of my personal details. I had bank accounts and credit cards opened in my name, my identity was stolen. I have attempted to fix this issue with XXXX XXXX  and LJ Ross Associates to remove this from my credit report several times. I have gone on identitytheft.gov and filed disputes through XXXX  and this issue is still persisting. I have never had a bank account with XXXX XXXX. The address, phone numbers and emails that XXXX had on file did not match with any of my personal information.
Consumer complaint received 2021-09-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

On XX/XX/XXXX I submitted a complaint against ERC for erroneous reporting and collections tactics on a time barred account. Since then, I received verification from ERC that the debt they have attempted to collect and are reporting on my credit reports has inaccurate information, per the documents submitted to me by ERC themselves. 

This is in reference to a XXXX account, which per ERC records was closed in XXXX of XXXX. The final bill sent was dated XX/XX/XXXX for {$100.00}. The collection account reported on my credit reports is dated XX/XX/XXXX- which is not only incorrect but also after California 's statute of limitations for debt reporting. 

After the final bill from XXXX, according to the documents sent to me by ERC from XXXX, there was another bill dated XX/XX/XXXX for the amount of the collection, which is {$58.00}. Again, the reporting date of XX/XX/XXXX is beyond the 4 year statute of limitations for debt reporting in California. And grossly incorrect, by a time frame of over 4 years. 

I contacted XXXX directly and they could not confirm whether or not the bill was paid, as their payment records only go back 5 years. They can not explain the 9 month gap between service termination and the 2nd bill for {$58.00} ; they were also unable to explain why the balance was different on both bills. Again, these debts are unverified as they have no way to confirm that no payment was received. 

It should also be noted that the communications from XXXX were all sent to an incorrect address in XXXX. From XXXX of XXXX to XXXX of XXXX, we lived in XXXX, CA- which again can be verified by my credit reports. Therefore, the notifications of these alleged debts were not received. 

In the letter received from ERC there is a phone number to call if I have any further questions or concerns. I have left multiple messages requesting a call back to resolve this matter but have not received a response. 

My request is that this time barred, alleged debt, be removed from my credit accounts as the information is grossly incorrect, per the records submitted by ERC themselves. This should have never reported to my credit in XXXX of XXXX and I ask that this be resolved as soon as possible.
Consumer complaint received 2023-02-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (SC)

On XX/XX/2023, I contacted Exxon Mobil to see why I couldn't use my gas card. The representative stated that they decreased my credit limit from {$800.00} to {$300.00} and she said that they sent a correspondence that conveyed that on XX/XX/2023. I asked her on what grounds did they decided to reduce my credit limit? Her response was because I was less than 30 days making a payment. I told her that there were three problems that I had with this. 1. ) I never received the letter from them. 2. ) They are supposed to notify me 45 days in advance before they are to take action. 3. ) I have never heard of reducing a credit limit for being two days late. She asked if I wanted her to resend me a copy of the letter. I said no.
Consumer complaint received 2021-09-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (VA)

I sent a debt validation request on XX/XX/XXXX requesting : - agreement that grants the authority to collect this alleged debt - agreement that bears signature of the alleged debtor wherein agreed by the creditor - proof of legal right to collect this debt - agreement that bears signature of this alleged debt from the original creditor - date this alleged debt became payable - verification this debt was assigned or sold to collector I initially received a 20 % offer from Halsted financial services to settle a debt. A few weeks later I received a letter from another company stating XXXX is no longer. There is XXXX, LVNV Funding, Resurgent Services. I do not know neither of these companies. From my request above, I have received about 10 pages of document with an IP address and my name typed out as a signature. I have not received the original document that I allegedly signed to confirm all above. Anyone can type a full name. 

They requested an identify theft affidavit to be notarized, which have been submitted on XX/XX/XXXX. I did not get an update from them. on XX/XX/XXXX, I emailed requesting another updated and was told this was forwarded to the appropriate department. 

I called and asked to be transferred to said department in charge but was told that they did not have a phone line. I asked for the name and finally was given the name of the department : dispute team. I asked for their contact information and was told they did not have one.

I am unsure how the dispute team is non existent. I was told I will receive a letter one day stating the outcome of this. This company is not real, they refuse to answer my questions, provide proper documentation although I have submitted the requested documents. They only have 1 department and are committing fraud by refusing to abide by the rules and submit proof of this legal debt. This collection is preventing me from getting a mortgage as it is showing up as a collection on my account. 

Please advise.
Consumer complaint received 2021-09-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (SC)

When my ex-wife and I was married she put a lot of credit cards in my name would guess she was paying on them. When we divorced is when I learned I had all these cards in my name leaving behind all the payments. I would like to do a dispute on them. Also it looks as this account was opened longer then 7 years ago.
Consumer complaint received 2021-09-07
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 (CA)

On XX/XX/2021 my PayPal account was permanently limited in which I was then unable to withdraw, send or use my PayPal Cash Balance, which is supposed to be backed by the FDIC, as I was issued a PayPal Cash Debit Mastercard. At the time the limitation was imposed, my balance totaled {$81.00} that came from a combination of 3 transactions in the amounts of {$36.00}, {$39.00} and {$5.00}. The first two transactions were directly from my family and the 3rd transaction came from a XXXX Rewards Manufacturer Rebate. A screenshot of the transactions will be listed to this complaint. After submitting the requested transaction information as well as proof of identification, PayPal began the verification process which I was told would last upwards of 5 business days. At the end of the investigation I was simply told I could no longer do business with PayPal and that was it. There was no specific reason just a computer generated response. Im hoping you can help me regain access to my account, and money, as Ive heard this has been happening much more frequently during the pandemic and PayPal should be held accountable to communicate clearly with their users on the platform.
Consumer complaint received 2021-09-07
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. (VA)

I spoke with XXXX XXXX many time about them reporting incorrectly to the credit bureaus. When I finally did get an answer the rep was so rude that I closed my account. They are reporting late payments and want this account removed from my credit report
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MD)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXDate of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Consumer complaint received 2021-09-07
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. (PA)

I submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on Experian, XXXX, and XXXX )
Consumer complaint received 2021-09-28
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc. (GA)

I am a victim of Identity theft. Please delete or remove this item on my behalf. This item is not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: John C. Heath, Attorney at Law, PLLC (GA)

I have made three requests for Lexington Law to provide copies of the dispute letters sent on my behalf. The first attempt was made on XX/XX/XXXX. I contacted them so I could see proof of work. They provided me a copy of most of the letters they stated they sent except for the one for XXXX XXXX XXXX. I contacted them on XX/XX/XXXX to notify them that the letters they sent on my behalf for XXXX XXXX XXXX were absent along with XXXX others but the one I most wanted XXXX is the one I needed a copy of. The consumer service agent stated she would send it and that I would have it within 48 hours as it must have been an oversight. Well on XX/XX/XXXX I still hadn't gotten the letters so I called them again as they failed to reply to emails that were sent on XX/XX/XXXX and XXXX. The customer service rep promised I would have those letters by XX/XX/XXXX as she saw where my request had been moved to the escalation department. On XX/XX/XXXX I followed up as I still hadn't gotten copies of the letters sent to XXXX. I spoke to numerous call center personnel from XXXX XXXX to XXXX each transferring me to Lexington Law 's escalation department and each time the agent in their escalation department would hang up during mid-conversation.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.
Consumer complaint received 2021-09-07
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: M&T BANK CORPORATION (NY)

On XX/XX/2021, my Loss Mitigation Assistance Application was denied by M & T bank. On XX/XX/2021 I received a letter from M & T regarding my Loss Mitigation Assistance Application for which they request additional documentation. I supplied the additional documentation on XX/XX/2021, via confirmed Fax from an M & T branch. Although I supplied all the documents requested, application was denied and forbearance status was revoked leading to four packages of foreclosure letters mailed to my address at XXXX XXXX XXXX, XXXX XXXX, NY, XXXX the following week. This practice was horrendous, as M & T customer reps has no explanation as to was cause for the for start of foreclosure proceedings. They never processed my application because it was never their intent. I am concerned that M & T is attempting to force me out of my home so the profit by resale on the open market. They are denying me the opportunity to obtain loss mitigation assistance to stay in my home as I wish to do.
Consumer complaint received 2021-09-28
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (MA)

I am a chase bank customer and I disputed unauthorized transactions dated XX/XX/2021 from XXXX XXXX XXXX in the amount of {$130.00} and XXXX XXXX for {$150.00} chase denied my claim and said I was responsible to pay for these charges when they were fraudulent and I never made them. I find it extremely absurd and unethical for chase to say they protect customers from fraud when in reality they don't. I refuse to pay for charges that I never made and I really need help resolving this issue, I handled everything correctly on my end and reported my card lost as soon as I noticed these transactions which was not even 12 hours after they posted and its so unfair and wrong for chase to deny my claim.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

FCRA Violation; Not mine; Names, address, and accounts:


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX


Account name
XXXX XXXX XXXX
Account number
XXXX
Account type
Debt Buyer
Responsibility
Individual
Date opened
XXXX

Account name
XXXX XXXX
Account number
XXXX
Account type
Unsecured
Responsibility
Individual
Date opened
XXXX

Account name
XXXX
Account number
XXXX
Account type
Charge Card
Responsibility
Individual
Date opened
XXXX



FCRA Violations; Never late:

Account name
XXXX XXXX
Account number XXXX
Account type
Auto Loan
Responsibility
Individual
Date opened XXXX
Consumer complaint received 2021-09-07
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Penn Credit Corporation (MD)

This company is harassing me about a debt that is not mine. It has been over 30 days since I've told them I would like to dispute this debt. It has been over 30 days since I've initially told them to stop contacting me. The contact me while I am at work and after XXXX. They have yet to respond to my investigation request. They have yet to validate this debt but continue to pursue payment. They have put my job at jeopardy and have caused me a lot of stress. I don't know what to do. They have stolen my identity and personal information and continue to share it with parties unknown to me. They have defamed character and invaded my privacy.
Consumer complaint received 2024-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc. (FL)

LOCKHART, MORRIS & MONT and XXXX XXXX XXXX are both trying to collect the same dollar amount from an old debt that has already reached its statute of limitations. So not only is the debt past the timeframe but two companies are reporting the same debt as if its two different debts.
Consumer complaint received 2021-09-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have previously disputed this item with you. Bankruptcy chapter XXXX, reference # XXXX. And in response you verified the item as accurate, stating that you have verified the information with the court. I contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter. Therefore your original response verifying the item with the court was either a error or a lie. Either way, the reporting requirements do not comply with FCRA section 611 ( 15 U.S.C section 16811 ) and the information must be deleted immediately.
Consumer complaint received 2021-09-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

On XX/XX/XXXX I filed a dispute with Transunion in reference to 2 derogatory items on my credit report with XXXX XXXX XXXX. There were 2 30 day late payments from XX/XX/XXXX that was a mixup. I had already written transunion letters XXXX XXXX XXXX  had given me to provide to transunion to have the info updated, but they refused to do so. That left me no choice but to file a formal dispute. I received a report on XX/XX/XXXX that the derogatory marks on my report have been updated and the items were removed. By XX/XX/XXXX, the derogetory items reappear on my credit report. I call transunion for an explanation and they don't have 1. They admit that the 30 day markers were removed and added again, but said it has nothing to do with them. They claim it is between me and my financial institution. I explained to them my financial institution agrees with me that the markers are an error. They told me my only option was to dispute the markers again. I asked why i would do the exact same thing that didn't work? I asked for a supervisor. His name was XXXX XXXX and he was no help at all. This company 's employees seem to have no other job than to get you off the phone. I now have no way to delete the derogatory marks that my bank has agreed to remove. Transunion claims no responsibility for the accuracy of their product. They blame everyone else.
Consumer complaint received 2021-09-07
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RSI Enterprises, Inc. (CO)

I sent RSI a validation letter in XX/XX/2021 ( attached ). Their response in XX/XX/2021 ( attached ) was stating that they do not need to provide any validation to except the name and amounts. There is a few problems with the verification that was sent. 
First- there is a HIPAA violation- they could not provide me, as I requested in original validation letter, a signed HIPAA form by me, releasing XXXX XXXX XXXX to release any medical information, as you can see there is all my medical information on the forms that they received, that is CLEARLY violating HIPAA privacy laws. ( which by law they MUST REMOVE THIS IMMEDIATELY ) Secondly-the so called validation they sent me are very detailed statements that were addressed to me, however the amount owed is {$0.00}!!

Therefore, not only are you violating HIPAA, You are now violating FCRA laws.

THERE IS NO AMOUNT DUE!

I will be reporting both to HIPAA for both their violations.
Consumer complaint received 2021-09-07
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Patenaude & Felix A Professional Corporation (VA)

I received a letter in the mail about a company threatening to garnish my pay check from my employer. The name of the company is National Collegiate Loan Trust. I have no knowledge or history working with this company whatsoever! The garnishment summons I received states that a judgment was issued against me on XX/XX/XXXX. I never received any notice at my home address regarding this company or this matter until I received the garnishment summons! The address that a court summons was sent to was an address I lived at XXXX prior to XXXX. I left that address in XXXX. I find it amazing that the only document that I received regarding this matter that made it to my mailbox is this garnishment summons. I am almost certain any other correspondence went to an old address and the only reason this made it to me is because they have contacted my employer. I know this because the garnishment summons has all of the information needed for the United States Postal Service. Again, I have never heard of this company and never did business with them.