davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-06-21
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Shermeta Law Group, PLLC (OH)

Recived a court summons for a credit card by shermeta law group for a credit card debt i for a unknown amount a credit card debt i know nothing about i feel if i owe thus debt id like to know what its for and how it got to the amount they are suing for it says the plaintiff is I have hired a attorney to file an answer so they don't get a default judgment i would like to see a contract that i signed they did attach a generic copy of terms and conditions that i could print off my self from SHERMETA.COM website. and i would like to see transactions that were made from the start of the debt to the end to validate this debt belongs to me and the amount.You, Shermeta Law Group , PLLC must be a Third Party Debt Collector and I do not give you permission to interfere into My Commercial affairs. If you are assuming that you are representing Me, you are Hereby Fired and your Power of Attorney is Hereby Revoked. 
As proof of claim, complete the attached CREDITOR DISCLOSURE STATEMENT and return within 15 days. 
Failure to respond with the completed CREDITOR DISCLOSURE STATEMENT, thereby providing your verified Proof of Claim, signed under the Penalties of Perjury and verified by your affidavit, you, Shermeta Law Group , PLLC are agreeing to your Commercial Dishonor, exhausting My Administrative Remedies. I will accept your Silence as an Acceptance, and your agreement that a Default be entered against you. You will also agree to a Full Tacit Contractual Agreement being a participant in Fraud and to forfeit all remedies under Administrative Law, Judicial Law, and / or MARITIME CLAIM RULES C ( 6 ). You should also be aware that sending unsubstantiated demands for payment through the United States Mail System might constitute mail fraud under federal and state law Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of any and all claims against me, and your tacit agreement to compensate me for costs and attorney fees.
Consumer complaint received 2024-08-27
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)

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 accounts 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 Balance : {$0.00}
Consumer complaint received 2018-06-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (GA)

This a company called Penn credit corp they are saying I owed the city of XXXX XXXX and I have never lived in XXXX  I tried disputing it with XXXX  and they say the debt is valid somebody had used my info I didn't even know about in XX/XX/XXXX I lived in XXXX XXXX in XX/XX/XXXX in XXXX XXXX the address I lived at in XX/XX/XXXX was XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX it said I owed the XXXX XXXX XXXX XXXX 1.380.00 or higher I had disputed them on XX/XX/XXXX and just know got the results saying that the debt was valid I really want this debt removed from my credit report.
Consumer complaint received 2018-06-21
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: Experian Information Solutions Inc. (GA)

Creditor : XXXX XXXX BANK XXXX NA ACOUNT # XXXX BALANCE : {$720.00} CREDITOR : XXXX XXXX ACCOUNT # XXXX BALANCE : XXXX CREDITOR : XXXX XXXX XXXX ACCOUNT # XXXX BALANCE : XXXX XXXX XXXXXXXX XXXX XXXX DOCKETS # XXXX TYPE : CHAPTER XXXX BANKRUPTCY DISCHARGE INQUIRIES THAT DOESN'T BELONG TO ME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ADDRESS BELONGS TO MY EX-WIFE, FATHER AND SON. 
XXXXXXXX XXXX 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
Consumer complaint received 2018-06-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES (NY)

I went to XXXX XXXX at XXXX in XXXX and XXXX school year. Graduation was in XX/XX/XXXX. I took out 6 loans via XXXX. They were 2 Federal Unsubsidized Stafford Loans 2 Federal Subsidized Stafford Loans 1 Fed Direct Grad PLUS Loan For roughly $ 55K total The loan rates varied between 6.5 % -8.5 % - which I was told would be able to be refinanced as they were too high and that was not true. 

After school, those loans were sold to different companies, all of whom I had to chase down to figure our where/how to pay my bill. The different companies were XXXX XXXX XXXX XXXX XXXX   Over time, I paid of 2 of the loans as well as paying monthly payments. 
I think that's all and then I was contacted by XXXX XXXX XXXX XXXX ( which no longer exists ) and swindled into consolidating into 1 loan - they said it would lower interest and put me on a PAYE to lower payments as I was struggling living in XXXX trying to make them. Unfortunately, that was also not true, my percent is 7.75 % ( 7.5 % with auto-pay ) and while I have a PAYE, my balance continues to grow and is now 41 % HIGHER than I borrowed. It feels like a black hole. 
I have repeatedly asked for a way to lower the interest rates and I have been told that only an act of Congress could do that. Additionally I have verbally and in writing ( via their website ) requested that payments could be applied to the principal. They said no, only when interest is done, later they contradicted by saying that if I paid more than the minimum payment, I could direct that to be applied to principal. I just submitted an excess payment and specified that it should be applied to a loan section with less interest and a lower amount and they refused to do so, holding it as " pending '' until the next billing cycle and then not applying it where I specified. I am infuriated and fed up with being taken advantage of. 
I have asked for a copy of my Master Promissory Note, my servicer told me I had to go to the studentloans.gov site to find that - there is no record of it there, when I emailed to ask where it was the studentloans.gov site told me I had to ask my provider for that. It seems no one can produce my Master Promissory note. I have also asked for a complete record of my accounts what I have paid who as I am trying to determine what I have actually already paid as my balance NEVER GOES DOWN. Please advise.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: I.C. System, Inc. (IN)

Hello, A company called I C SYSTEM INC is attempting to collect on a debt that was turned over to them in the year XXXX for a company called XXXX. In my first call to the company XXXX, a XXXX employee told me they attempted to collect the debt in early XXXX through XXXX before turning it over to the collection company I C SYSTEM INC. I C SYSTEM INC puts this debt on my credit report in early XX/XX/XXXX, and puts it as a debt from the previous month of XX/XX/XXXX. I tried contacting I C SYSTEM INC and they told me to contact a different division known as XXXX fraud division since I never had this account in the first place some 7 years ago. I called XXXX fraud division and spoke with a Fraud investigator named " XXXX '' who looked in the computer using my social security number, date of birth, the address that I C SYSTEM INC provided me, and the phone number that I C SYSTEM INC provided me. XXXX Fraud Investigator told me on the phone that there was no account past or present that showed up in their system. I am including the Fraud hotline for XXXX in this message if the information needs to be verified. This I C SYSTEM INC is obviously falsely reporting when the debt occur ed on my credit report ( they admitted it was from XXXX or XXXX not XXXX ), the company they stated they were collecting from has nothing on file for me, and every attempt to dispute their postings on my credit reports has failed. To add to all these questionable things that I C Systems INC did ... they also waited until there was a state of emergency in the country to add this to my report ... making it very difficult to obtain financing and to pursue litigation against them due most state offices being closed. They placed the same thing at the same time on both XXXX XXXX and XXXX. I am a XXXX   and have been trying very very hard to everything right. I've been told several times to give it to a local news agency to help protect me and my credit from this company. I don't know what can be done here, if nothing is done here then I guess I will just need to go to court and the news to get treated fairly. 

Phone conversations with I C SYSTEM INC all recorded. 
Phone conversations with XXXX  all recorded. 

I C SYSTEM INC phone number : XXXX XXXX XXXX XXXX   phone number : XXXX XXXX XXXX Information on my report : Account NameI C SYSTEM INC Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXX/XX/XXXXStatusCollection account. {$370.00} past due as of XX/XX/XXXX. 
Status UpdatedXXXX Balance {$370.00} Balance UpdatedXX/XX/XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$370.00} Highest Balance {$0.00} Terms1 Months
Consumer complaint received 2018-06-21
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (FL)

I have been making payments on my students the best that I can since I made a payment arrangement to make interest only payments I have been making those payments of {$210.00} for almost 4 years. Recently I had a baby which would make my XXXX  child and was off work for the 3 months. While I was off work I was responsible to pay my portion of my health insurance due to not have any paid time off I paid my portion to keep my health insurance while my employer paid their part. My portion was {$230.00} to pay as you can see this took from me financially but it was need thus I could not make my student loan payments for the months of XX/XX/XXXX and XX/XX/XXXX. I finally made a payment in XX/XX/XXXX and now they continue harassing me telling me I am delinquent still for XX/XX/XXXX which I understand. I explained to Navient the situation the financial hardship and they informed me that if I did not make two payments in the month of XX/XX/XXXX I would be reported the Credit Bureau and for the delinquency. I have XXXX children and a XXXX XXXXXXXX mother I have to provide for not playing the victim but I can not afford for my credit to be damaged this will affect me from getting future credit in case of emergencies. The fact of the matter is if you pull my credit you will see that I have a very good credit and I do make it my obligation to make payments on time even if it means going with out myself. Navient is a lender that should be barred from lending to anyone because they have broke the law many times and taken advantage of me. I have made payments several years and my balance have not budged at all it is disgraceful.
Consumer complaint received 2020-05-01
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IN)

An unknown medical collection was reported on my credit files. I mailed a dispute letter to the bureaus on XX/XX/2020, it was deleted off XXXX  and XXXX. But Equifax validated the collection as accurate. I then mailed a method of verification request to Equifax on XX/XX/2020 asking about the method of verification. Equifax never responded to my request.
Consumer complaint received 2018-06-21
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY (NJ)

I am writing about the worst banking experience I have had with XXXX XXXX XXXX XXXX XXXX XXXX. I have been a customer with XXXX XXXX for several years with no problem. So, you can only imagine my disbelief after hearing that my savings account was being closed for a single check being returned. I had no idea the check was going to be returned. I had no intention of committing any fraud or anything like that, especially with an available balance over 80 thousand dollars. I was told my account was being closed and that any remaining funds ( over {$80000.00} ) would be returned to me. OK I had no say in the matter so I guess I had to live with their decision to close the account. To my surprise I've waited for weeks to receive my money back, but I never did. I called countless times and spoke to customer service ( who were nice ) but It's the back office banking operations who were completely unhelpful. Every-time, I was told that my money would be returned. I have been waiting for YEARS now, and still have not received a cent back from that godforsaken, distrustful, disgrace of a bank. If you are looking into a savings account, look far away from XXXX XXXX XXXX, they are disgraceful and will use every trick in the book to weasel their way into stealing your hard earned money.
Consumer complaint received 2020-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: COLLECTION SERVICES OF ATHENS, INC. (GA)

This company has a debt of {$49.00} that they are trying to collection. Ive shouted this ask do not know of this charge. I looked recently and its now bee added to my credit report asa medical debt.i never recieved a bill for this so I would like this removed from my reports
Consumer complaint received 2017-08-21
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC (CA)

could n't pay the note, once repossessed they added another XXXX on the car so I could n't get it.. they then sold it did not disclosed the amount they sold it for and left me with a balance of {$10000.00} for a {$15000.00} car.
Consumer complaint received 2018-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have had a XXXX XXXX credit card account for many years. One XX/XX/XXXX the company notified me that someone had obtained my information and was making fraudulent charges. XXXX issued me a new card and advised me to get a police report about the incident and send it along with a request for a fraud alert on my account to the three credit reporting agencies. I did all that ( see attached documents ). 

On XX/XX/XXXX a XXXX representative called me and said TransUnion, apparently in response to my written request for a fraud alert, had blocked the account as a fraudulent account and removed it from my credit file. Therefore XXXX said it could do nothing but completely close the account and could not issue me a new credit card. 

I wrote another letter to TransUnion ( attached ) saying it had misunderstood my request and to add the XXXX account back to my credit file. 

I called an XXXX XXXX at TransUnion ( XXXX ) and he confirmed TransUnion had indeed removed the XXXX account from my file but that he could not reverse that action without a request from XXXX. 

I called XXXX at XXXX ( XXXX Ext XXXX ) and asked her to request of TransUnion that the file be unblocked and to reinstate the XXXX account. She said she could not make that request and referred me to the FTC which referred me to Consumer Finance. 

TransUnion advised me that incident has not harmed my credit and that there is " nothing negative '' on my file. However, I can not just open a new account with XXXX as I would lose some XXXX points for air miles with XXXX 's XXXX XXXX. Additionally, although I still owe some money to XXXX on the old account ( not due until XX/XX/XXXX ) XXXX refuses to send me a statement showing what the charges are for or any other information. XXXX in fact told me XXXX can not communicate with me by mail any more. I have not yet received anything at all from XXXX in writing about this incident. 
I need to know how to proceed to get a copy of my statement, to redeem my points for air miles, and reinstate my account. Thank you.
Consumer complaint received 2020-05-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc. (OH)

XXXX XXXX # XXXX HAVE SEVERAL ACCOUNTS LISTED ON MY CREDIT TRADELINES FROM DATE OPENED XX/XX/2008. THESE ACCOUNTS ARE ENTIRELY TOO OLD TO BE LISTED ON MY TRADELINES AND THEY WERE ALSO PAID OFF AND TRANSFERRED TO ANOTHER LENDER. THERE ARE MANY MULTIPLE ACCOUNTS LISTED WITH THE SAME ACCOUNT NUMBER. I HAVE DISPUTED THIS INFORMATION WITH XXXX, XXXX  AND EQUIFAX WHO REFUSED TO REMOVE THESE ACCOUNTS FROM MY TRADELINE. THEY ARE TOO OLD TO BE LISTED ON MY ACCOUNTS. I WILL CONTINUE TO REQUEST THAT THESE OLD ACCOUNTS BE REMOVED FROM MY TRADELINE.
Consumer complaint received 2020-05-02
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. (NJ)

I received an updated letter from Equifax, stating the XXXX account in question with a number of inaccuracies was updated instead of being deleted. The law does require Equifax when notified of erroneous information in any form that the item be deleted. Instead, they chose to update all of the missing information instead of deletion, ( five missing pieces of information ). I supplied the informatio in a previous complaint and I will attach the information once more. XXXX Acct Number XXXX. I have submitted numerous letters previous to this one that showed negligence on behalf of Equifax and your unwillingness to have this item removed, Instead, the item was updated, the law does not give a provision for an item to be updated, the law states that this and all subsequent tradelines, when disputed if there are any inaccuracies must be deleted. I am filling a follow-up claim with the CFPB to have this remedied immediately. 

Thank you for your prompt assistance in this matter. 

XXXX XXXX XXXX Sincerely,
Consumer complaint received 2017-09-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (PA)

My mortgage, held with XXXX XXXX Mortgage, was transferred to LoanCare, a mortgage service company, a few months ago. When transferred I was assured that nothing would change, and my payments would remain the same, unless of course, there was an increase in other areas such as property taxes or escrow. 

There was never a fee charged by XXXX XXXX unless there was a late payment, after the 15th of the month, which would be considered late, and which I understood. I had been making my payments on time, via bank transfer, to XXXX XXXX and similarly each month to LoanCare, on or before the 16 of the month. This payment timing was good for me because, as a senior citizen, receiving my social security ( SS ), my deposits are deposited the second XXXX of each month, which always falls before the XXXX. Please see my bank statement attached. 

I made my set payments on time each month to LoanCare. Nothing was changed with my payment to LoanCare until this month when, to my surprise, I noticed an additional payment of {$10.00}, labeled as a one-time payment fee, a fee that was never charged before, not even by XXXX XXXX. I was not informed of this fee until I logged on today, XXXX XXXX, to make my monthly payment, after my SS was deposited, and I have never been late. I believe that my payment falls on or before the due date and I should not be charged a fee. Here is their draft fee schedule, which surely appears to be a late-fee schedule disguised as a draft-fee schedule : " One-Time Draft Fee Schedule On or before due date-No Fee 1-4 days after due date-No Fee 5-9 days after due date- {$5.00} 10-15 days after due date- {$10.00} 16 days or more after due date- {$10.00} '' I have since sent a request to have this fee removed from my mortgage payment. I have no control over when my SS is deposited and this is the only money I use to pay my mortgage. A bank draft is also the only way I have paid my mortgage, and given the time of my SS deposit, this would be the only method I use to pay it, so tacking on a draft fee is unfair. 

As a senior citizen, I think this service is taking away from my earnings and I think it unfair to me, since I was never asked to pay a draft fee before, nor had been informed of one being added. {$120.00} a year for future monthly draft fees was nothing I had agreed to when the mortgage service was transferred. 

As a senior citizen I do hope that CFPB will assist me in having this monthly fee removed, and I can continue to pay my mortgage using the method and time I have been accustomed to. 

Thank you for your assistance.
Consumer complaint received 2017-09-12
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Jim Bottin Enterprises, Inc (CA)

XXXX XXXX wanted to charge me the full monthly price of XXXX to terminate my contract ending on XXXX XXXX XXXX, but with access ending on XXXX XXXX XXXX. There was no clause my in my contract I would only have 10 day access for paying the full amount of the final month. The claim was " so that I would not be billed again. '' If that was the case, they should have charged me the prorated rate. There was no clause in the contract that my access to the gym would terminate early. The debt was disputed within the legal time frame of 30 days, so it not a valid debt because it is disputed. ABC financial continued their attempts to collect and have sent it to a third-party for collections. Please see attached documents.
Consumer complaint received 2017-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NY)

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via traditional news outlets. 

Going forward equifax should be required to monitor every account, add additional security & verification steps for any new activity, and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not a paid option given the magnitude of this breach. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.