davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (CA)

I received a notice in the mail regarding a debt for utilities for a property I lived in ove r two years ago. I called CBE to let them know that I had no outstanding debt with my utility company and that thi s is the first hearing about it since I moved. They told me they were the third company to receive the collection. Again, this is the first collection attempt I have received and I have not moved since. Not only that, but there is n't anything regarding this " collection '' on my credit report. Not now, not at any point in th e past two an d a half years. They told me to mail them a dispute letter in the mail, but it will probably be ineffective since they are the third company to receive my " debt ''.
Consumer complaint received 2017-05-19
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (PA)

This company call repeatedly throughout the day, sometimes in excess of  12  times, all from different numbers. They have also contacted a friend of mine several thousands of miles away, several times this past week. Yesterday and just today was the last time. A woman by the name of  XXXX   XXXX  called from  XXXX . She told my friend that she thought she was me, then asked for my number. She was told no information would be given to her without her stating who she was and what company she was calling from. She would not disclose the company name. I have sent several e-mails as well as letters to the company asking them to stop calling my friends and family, and stop harassing me several times per day, and the continue to do so!
Consumer complaint received 2018-07-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I have looked over my credit report and I see several addresses I do not live at listed on my report. the following address are not mine and need to be removed. My Name is XXXX XXXX. XXXX XXXX, My employer is XXXX XXXX XXXX XXXX the following address are not mine please delete XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX , XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX
Consumer complaint received 2017-05-19
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: AES/PHEAA (CA)

AES/NCT is reporting  XXXX  fraudulent loans on my credit report and have refused to cease the credit reporting after several promises to do so. I have been calling and disputing this information since  XXXX     2017, and  for the  last five mo nths I have been lied to, harassed for payments, told false information, and basically have been running around in circles trying to get someone to actually take action and do an investigation. In the past I made payments on these loans by sending in  XXXX  lump sum to the creditor to cover ALL my loans, which included those that I did take out in my name. There are  XXXX  loans that I DID take out in my name but there are  XXXX  loans that I DID NOT authorize to be taken out in my name. I am a victim of identity theft. I sent in a police report, FTC ID Theft Affidavit, and proof of identity to AES/NCT back in  XXXX   2017. A fter multiple calls I did n't receive an Identity Theft Affidavit from their company for completion until  XXXX   XXXX ,  2017. Five m onths later, after requesting  XXXX  to be sent to be beginning in  XXXX , they finally sent the form. They continue to report late payments and the defaulted loans to the credit reporting agencies after I was promised it would cease and be removed after receiving my ID Theft Affidavit. Not once has this company followed up with me. I always have to call them and when I do they always provide me with false information. I was told by several representatives that  XXXX  is servicing these loans and they are rejecting my fraud packet. However, whenever I call  XXXX  they have no record of me. This company has no regards for victims of identity theft and continue to provide me with false information and in turn are damaging my credit. I have kept a record of all communications with this company. They received a completed/notarized fraud packet on  XXXX   XXXX ,    2017 an d according to the packet credit reporting was to cease 15 days after receiving the packet, which was  XXXX   XXXX . They have yet to do so and had the nerve to tell me they ca n't because  XXXX  rejected the packet.  XXXX  does n't even know who I am when I call so how can they reject a packet? If anyone from AES/NCT actually bothered to called the  XXXX  number they gave me they would be able to understand that they are rejecting it because they have no record of me!!!!
Consumer complaint received 2020-03-02
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. (AR)

My identity has been compromised. I found out because XXXX XXXX   sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number, name and birthday. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$26000.00} XXXX XXXX XXXX XXXX {$350.00}
Consumer complaint received 2017-05-19
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC. (NY)

YOUR COMPLAINT This complaint concerns  Navients aggre ssive and intrusive debt collection practices. I have regularly made monthly payments on my {$9000.00}  XXXX  loan with 10.5 % interest since graduating from  XXXX  University in  XXXX . I now owe {$4000.00} on that loan. I was laid off in  XXXX  of  XXXX . Since then, I have been unemployed and struggling to find a job. I have inform ed Navient of my financial difficulties for many months. In the las  t two months, Navient h as become highly intrusive and abusive in its phone calls, enough so that I consulted with a legal service s (  free ) attorney.   On  XXXX   XXXX ,  XXXX , I filed a complaint with the CFPB with the help of her legal services lawyer.  Navient has responded that it is not going to respond since the complaint was filed by my attorney, not me. Navient and CFPB have thus closed the c ase.   The calls have gotten worse since  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , I sent an email to my attorney and reported the following : Employee ID  XXXX  calls. He makes me go through all of my financial statements, asks me my minimum payments, how much I spend on food, transportation etc. Then he wants an answer as to why I wo n't move back in with my parents and save rent. ( I am  XXXX   XXXX   XXXX . ) He then stated he pulled up my credit report, told me my story is n't real and that I am not out of work. He stated we are setting up a payment plan and accuses me of lying about facing hardship because my credit report shows I 'm paying all of my other bills ( which is not true ).   Similar calls with intrusive and belligerent questions have continued. On the last call, when I was explaining for the hundredth time that I was still unemployed and could not get the money from other sources, the Navient collector argued that the fact that I had a cell phone meant I was choosing not to pay Navient. When I said I had no money for stuff other than rent, food and basic utilities, the navient collector said you better find it. When I said, Im calling my lawyer, he said, lawyers cost money, insinuating that I am choosing not to pay   Navient.
I have paid this loan for years. I have hit a difficult time employment-wise. Navient has alwa  ys gotten its money from me. It is still earning interest on this debt. Its calls are deeply upsetting and counterproductive. I do not understand why Navient is treating me so harshly when I have a lifetime of earnings ahead of me when I get back on my feet with which to repay it with interest.
Consumer complaint received 2023-11-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NJ)

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Closed 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!!

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-05-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (VA)

On XXXX XX/XX/2022, Bank of America ( XXXX - XXXX  ) accepted check number XXXX & XXXX check number XXXX in the amount of {$1100.00} payable to XXXX XXXX XXXX This check had been deposited at another bank ATM ( XXXX XXXX XXXX ) on XXXX XX/XX/2022. I have no business or personal banking business with Bank of America. I was made aware of the problem on XXXX XX/XX/2022 and the XXXX deposit was rescinded on XXXX XX/XX/2022. I have attempted to resolve the issue with both XXXX XXXX XXXX and with XXXX XXXX XXXX, without success but have not contacted Bank of America since I do NOT do business with them.

In the interest of transparency, the primary holder of the XXXX & XXXX Account, XXXX XXXX XXXX XXXX XXXX wife. Her XXXX & XXXX Account has been debited for the {$1100.00}. 

Copies of front and back of check with the Bank of America stamp available upon request as well as the duplicate check with the XXXX stamp.
Consumer complaint received 2017-05-19
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diversified Consultants, Inc. (FL)

Why is n't Diversified Consultant providing me with the information I am requesting? I am being sent instructions to fill out fraud statements but that is not my concern. If this is really my account, I need to see the supporting documentation that proves this is a debt I truly owe. I filed a dispute on  XXXX / XXXX /  XXXX   and I got the same exact answer I have been getting for months : " Fill out the attached fraud packet and mail it back to us. '' Neither I nor the CFPB have been provided with the information to support this is a valid debt. I specifically requested that validation of the debt be uploaded to this portal so the CFPB can conduct a closer investigation but once again, they are claiming to have " mailed '' it to my address. I have not receive a single document from this company and they continue to report this to my credit without being able to prove it is a valid debt. Not only that, in their letter they address me as " him ''. I am not a man, I am a woman and this is just another example of the scam this company is trying to play on me.
Consumer complaint received 2017-05-19
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. (NV)

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. I never applied or benefited from these alleged accounts. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.     I am attaching ALL of my supporting documentation, lease for proof of address, ID, SS card, letters, police report, FTC ID theft Report.
Consumer complaint received 2017-07-17
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. (MD)

opened a sear citi bank master card. after only several uses card was declined. when I called they said they think someone else may have used the card. I requested that they immediately close the account. they asked for my password saying it starts with the letter "  XXXX  '', I have no such password. now they say they ca n't verify who I am to close the account. I 've tried 4 separate occasion. I requested they send a form to my address, they have n't. I wrote a letter with the details and a request to close the account including a copy of the bill that was sent to me as proof and a check paying the balance in full. I just want this account closed.
Consumer complaint received 2017-05-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

These collections said do not belong to me all medical.   I obtain  XXXX  insurance companies, never informed I had a balance. I have full coverage  SSI.    There are several credit card activity on my credit along with inquires I have not requested a inquiry for ye ars 10 d ue to illiness.   Several addresses not mine only have One.   I have learn within the past few months there is  XXXX  people with my same name, I dont know how my social got out, but it has.   I have had a foreclosure reported in  XXXX  County, and I have never owned a house.   Please resolve this confusion for me.       Thank You In Advance,  XXXX   XXXX   XXXX
Consumer complaint received 2019-10-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL (MA)

I was shocked when I reviewed my credit report and found late payment on XXXX, XXXX & XXXX of 2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2017-05-19
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 (NC)

I have a number of issues with the  XXXX  service. I have a limitation on my account that is preventing me from accessing my money. They do not have any right to siesure as they are not a government agency and are now operating outside of their scope of authority. I have attempted to rectify the limitation for many months now, and they are asking me for the same information previously submitted. They are using an unconstitutional user agreement that mandates that any civil complaints be addressed in the city they operate in regardless of legal operational jurisdiction. This hold is in violation of my  4th  amendment rights to prevent unlawful siesure of property and is tantamount to stealing. I believe this is being done as punishment for prior complaints, and I would like to officially request whistleblower status as I am being persecuted for reporting their unlawful activity. They have made claims that I had 6 months to dispute fraudulent charges, and have not honored that claim. I am being railroaded by this company, and the  XXXX   XXXX   XXXX  wo n't even return my request for a lawyer referral to get a civil action started against them. This is a perversion o f American Freedom of Trade, and they continue to use Unfair and Deceptive Acts and Practices in violation of Section 5 of the FTC trade laws and are violating the same in  my state of NC as well as the laws of their home state of CA. I ca n't seem to get my government to take action against this corporate tyranny, and they continue to operate with impunity. I need some agency that uses our tax money to enforce the laws as written.
Consumer complaint received 2018-07-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/2018, I mistakenly paid my PayPal Credit account the amount of {$1900.00} through my bank 's bill payer. This payment should have went to my Mortgage company. I did not realize that this was done until I received a letter from the mortgage company on XX/XX/2018. I contacted the bank and they advised me that the check was cashed and funds were removed from my account. I called PayPal credit and advised them of the situation, they advised me that a refund check would be mailed to me that day. I have spoke to this company multiple times and seem to keep getting no where with them. The account had XXXX balance on it, so the credit has no bearing on any charges on the account. I advised them that its my mortgage payment and my credit is affected by this and late fees are being added. Nothing seems to be helping.
Consumer complaint received 2017-05-19
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Oracle Financial Group LLC. (CA)

on XX/XX/XXXX I received a message at my job about something regarding a county petition and to call " XXXX XXXX ''. I called to realize this was not the county calling me but someone from Oracle Financial Group saying I owed a debt I did not realize I had. This was the first communication about this matter. I have never received any written notice about this debt. I began to write down the who, what, when, and why so I could make sense of what I was being told. I asked " XXXX XXXX '' for her first name and was immediately placed on hold. After coming back from hold " XXXX XXXX '' came on to the call and the first thing I was asked was if I was recording the call. I said no, and " XXXX XXXX '' proceeded to tell me she was attempting to collect a debt and if I did n't set up payments through her department which she said was the litigation department that she would submit a petition through the county I live in and that I would be served at home or my place of business. I calmly and respectfully informed her I am not trying to negate my debt or anything she was saying but that I had to contact the lender ( XXXX XXXX XXXX ) and verify everything she was saying before I agreed to any payments and that I hoped she understood. She hung up on me. I contacted XXXX XXXX XXXX which informed me my debt was half what ORACLE FINANCIAL GROUP stated it was and that my case had been sold to " XXXX XXXX XXXX '' and to call. I called given the number provided and I was sent through an automated loop which informed my they are a " XXXX XXXX XXXX '' and that my account was most likley sold to ANOTHER debt management company for collection which they do not do, going through to eventually a call dying. I tried again and same thing. Obviously there isnt a customer service person. I found them online and it said for fastest contact fill out a form for contact 24/7, with a sentence literally following it saying response within 3 business days. I finally found an online form to find my account was indeed forwarded to " XXXX XXXX ''. who I can call however get hung up on, no answer, no way to contact them other than filling out a form and waiting for a response. All while ORACLE FINANCIAL GROUP is likely filling a petition for this debt which I can not confirm they own because they refuse to provide any documentation unless I pay. I pay or get served.