davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (OH)

You are asking for me to pay on a loan which the soft report has no indication of having a loan with you other then private loan. Even private loan is question marked since it shouldn't have been a private loan in first point. 

Second You are asking for income base repayment with deadline of XX/XX/. Do you get your taxes done by XX/XX/? I don't think anyone has them done by then. I think this is unethical. You don't even have w2 out. I have many servicers and I have paid you before all of them. You keep asking for more and more and you keep screwing up. 

Also, you put a private loan check on federal account if it were accurate? 


Private loan should be emulated by balance not consistent through whole loan. 

This is not a duplicate. This is reoccurring issues with additional issues. 

I've paid over a years wage of this loan and I shouldn't be getting any bills. This loan shouldn't be XXXX every month. I paid over XXXX of this loan and balance should be emulated what I paid. Also, you continue to not find a solution. This loan should not be even in the mix since I was told by fasfa my family made too much. My family isn't tied to my finances and they have never been tied. Regardless of promissory note. This loan was mislead and should have been eligible for a federal loan and Pell grants. Since I was mislead XXXX  and education department should be responsible for paying.
Consumer complaint received 2022-12-01
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft. I had filed complaints to the bureau ( Experian ) on XX/XX/2022. The bureau received the complaints but have not taken off the Unverified information from my report. I have also written a non-response letter to the bureau, dated XX/XX/2022. 
I have also filed an Identity theft with FTC with the reference number XXXX. The Bureaus are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of their first investigation, they stated in writing that they verified that these items are being reported correctly without indicating who verified the accounts. I would like to know who verified these accounts. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.
Consumer complaint received 2023-11-16
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (IL)

It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.
Consumer complaint received 2024-05-03
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: WELLS FARGO & COMPANY (CA)

I recently was appointed the Special Administrator over my fathers estate, after learning that his affairs were not handled by other members of my family 13 years ago. Another member of my family had passed away and the contents of my late fathers office had been held in storage untouched this entire time. Among them were a will and trust documents, but they did not specify the assets in the trust. However I recovered many financial documents that showed the XXXX was created at the same time my father was opening many new Wells Fargo products, solely in his name. This included the welcome letters with the full account numbers from Wells Fargo Investments ( Wells Trade ) a CD account with cash deposit receipts, and an upgraded XXXX checking and savings account. 
I went into a branch location in XXXX and called in over the phone on several occasions in the past month with documentation. 
Each time I give an employee the cd time account number they tell me that they have no information on this account and that they only keep records for 7 years. This was a cd my father purchased in the amount of {$25000.00}. The terms were for it to automatically renew and to grow interest. Now it has been 13 years and they have no record of this account even with me having the welcome enrollment letters and deposit receipt with full account number showing a maturity date that is XX/XX/2010 and my father died in XX/XX/2010. I am not given any further assistance. Where did his money go?
Consumer complaint received 2023-11-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Renton Collections Inc. (WA)

I went to the emergency room XX/XX/XXXX. The hospital portion was paid ; the physician portion is not billed correctly to my insurance. XXXX XXXX gave me the biggest runaround. They refuse to rebuild XXXX as required by XXXX. Finally got a rebilled. It was paid. It was still sent to collections. I called the collection agency who was beyond BEYOND rude demanding I pay something I dont owe. They refused to call XXXX. As of XXXX XXXX the collection agency placed this report on my credit report. Damaged my credit drastically lowering my credit score. Per XXXX XXXX rep XXXX today, she stated they contacted the collection agency XX/XX/XXXX Which is about the time I contacted XXXX. She said they told them back then and sent notification that the account was paid. The collection agency is still trying to collect money from me that is not owed!!! 

Since the company that reported to the collection agency is getting a copy of this. I would like to note and finally complaint that their first representative was rude and hung up the call was not able to get her name. The second person XXXX was rude and unprofessional. She interrupted me a lot. She told me I need to contact the collection agency since they put it on my credit report. I told her they are not going to do that without her office contacting them since they put it in collections and its their responsibility. I told her I was going to file complaints with different agencies and she was very XXXX telling me do what I have to do! I asked to talk to her supervisor/manager and she said she was not available and that all of the supervisors leave at XXXX XXXX. I found it hard to believe that there was no management working. She told me to call back tomorrow at XXXX oclock in the morning but I told her it was their error in my expectation is that a XXXX call me and I doubt she put a request in. Just an overall bad experience and illegal collections.
Consumer complaint received 2023-02-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC (FL)

On XXXX I finance a car and the total Finance Charge was XXXX then I make a eleven payment of {$410.00} and most of the payment goes to interes and small portion goes to the amount finance for XXXX. I also call Western Funding Incorporate asking for Payment History and found this because in the billing statement does not shoe it. They also told me that they charge of XXXX every month. 
I think that it is an abusive practice to the consumer. Iam going to send the documents by mail. 

Thanks XXXX XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Absolute Resolutions Corp. (PA)

I had sent a notice to this company to cease all communications as described in the fair debt collection practices act ( FDCPA ) in regards to the following account XXXX  The FDCPA describes communication as " conveying of information regarding a debt directly or indirectly to any person through any medium '' and credit reporting is an indirect medium that this company has chosen to continue to communicate with me. This violates the FDCPA and my right to privacy as a federally protected consumer. At this point I demand compensation for their willful and knowing violation.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Under ( FERPA ) My rights have been violated. My student loans have been reported for years without my consent. Under the ( FERPA ) Act, Schools are to tell the parents or eligible students about information that is going to be shared to allow the parent or eligible student a reasonable amount of time to request that the school not disclose information about them. The schools are to notify the parents or the eligible students annually of their rights under FERPA. I was not disclosed any of this information per 15 U.S.C 1681b ( 2 ) ( a ) Transactions was not supposed to be shared without my consent. I asked for a document showing my wet signature showing that i entered into this contract with them and they did not respond. I have attempted to resolve this problem for months now with no avail so the next step is to sue for fraud. XXXX did not notify me that they were going to share information with a 3rd party. They did not have my consent by verbal, written ( wet signature ), or e-signature. I want this information deleted off of my credit report immediately. If not the courts will be involved.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Berlin-Wheeler, Inc. (Kansas) (OK)

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in getting this account established. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.
Consumer complaint received 2023-12-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX XXXX  per violation and clearly they violated my rights.
Consumer complaint received 2023-09-10
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Kovo (MN)

The installation loan with Kovo , Inc., is a unauthorized and fraudulent account. I never applied for or opened an account with Kovo, Inc. The account is a fraudulent account and isnt my account. Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-11-15
Product: Debt collection — Rental debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HW Holding, Inc (GA)

I found mold in the apartment I had mold test done the mold report came back higher than the company has ever seen for ( i have proof and mold reports ) when i called my insurance company they told me to move and sent me reienbusment for some of damaged items. The XXXX XXXX took case to court and the case was thrown out do to the apartment not having enough proof that I owe them anything do to me having to vacate becuase the condtions in the home was unbearable i have alot of proof from emails to photo video and i can retrive the court docments any time if its needed I DONT OWE THIS DEBIT I WILL NOT PAY ANYHTING I DONT OWE i have a large file of photos and videos i can send via email and i can also go get thr supporting court documents
Consumer complaint received 2024-05-02
Product: Credit 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: CITIBANK, N.A. (FL)

I have a credit card with Citi, its the XXXX XXXX XXXX card and I use it strictly for business travel. I noticed about XXXX weeks ago that I had several unauthorized charges to my account and I raised a fraud case with Citi. I have waited XXXX weeks for the charges to be taken care of ( I have been a victim of identity theft in the past and they were resolved quickly with my back ) but after XXXX weeks I received a letter in the mail dated XX/XX/24 stating Citi determined no fraud. I received the letter on XXXX and immediately called Citi for an explanation. I called at XXXX EST and spoke with XXXX who was not able to connect me to anyone to give me an explanation, I asked to have my account terminated and that I would be submitting a complaint with consumer finance and the Office of the Comptroller. XXXX then transferred me to an XXXX who was his supervisor. I did not catch the gentlemans name, but he explained that he was not anyones supervisor and that he worked in the forbearance department and could not help me. He transferred me to the Fraud department who then told me that they were having system issues and could not look up my account, then promptly hung up on me.

The reality is that I never authorized any of the transactions as this card is strictly for business travel. I would like assistance in have these fraudulent charges reversed so I do not have to unfairly bear the burden for {$1900.00} in unauthorized and unknown charges.
Consumer complaint received 2023-11-15
Product: Credit 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: BARCLAYS BANK DELAWARE (HI)

On XX/XX/ I was alerted by phone by my credit card company that someone was trying to make unusual ( for me ) purchases, They were online attempts to purchase from XXXX. I confirmed that was not me making these attempts. The credit card company cancelled that card and issued a new one. 

Yesterday I received a letter from the cc company that they had determined it was a valid purchase because XXXX sent them documentation.The documentation consisted of my mailing address, my email, my name and my phone number. The cc company says that is proof that the purchase was valid. I just googled myself and found all of that information easily. 

I called Barclay 's ( credit card issuer ) today and after talking to XXXX people ( including a senior fraud anylist ), they still insist that I am responsible for this charge. Almost {$600.00}.
Consumer complaint received 2018-12-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

Evidently we were suppose to recertify for the loan and didn't not get anything requesting this information. I could not login after multiple attempts for the full year. Would not take my security questions so I could request a new password. 

We were set up to be paperless so since I wasn't getting the emails I did not get the notice or the forms to recertify. We were not making a payment and as of today have extended it so we didn't miss a payment since we were deferred. We have renewed the deferment.. 

We have sent all the required forms to recertify and feel the 127 point drop in my score is unjust and needs to be corrected. I work very hard to keep my credit and to have something I am totally unaware of cause such a drop is unbelievable. I didn't get a XXXX score by accident. I pay my bills and would have taken care of this had I know they needed me to recertify. 

I have worked this out with XXXX XXXX and need you to contact them to make the adjustment back to my XXXX score. If they are unwilling to cooperate please contact me so I may get involved as well. 

Appreciate you help in correcting this grossly unjust hit to my score.
Consumer complaint received 2023-09-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (WI)

Today ( XX/XX/XXXX ) I received an email from XXXX XXXX XXXX Bank stating, XXXX, Thanks for applying for a XXXX credit card. 

This was not sent to my personal email but actually my parents email. 

Personal Email : XXXX Parents Email : XXXX I did not apply for this card and Im worried someone else may be trying to open this card in my name. I can not contact XXXX about this as theyre closed, its past their call center hours, and I cant stop in tomorrow ( XX/XX/XXXX ) because it is a Sunday. I will attempt to contact them on Monday or stop in to one of their locations. 

Additionally, I received an update via email today ( XXXX ) from Experian stating my credit file has been updated. Upon looking in to the update it says, XXXX XXXX XXXX got a copy of your Experian Credit Report.. I do notice services is misspelled. Not sure what that means or alludes to. 

It goes on to say, XXXX XXXX XXXX  made a Bank / Credit Card Inquiry by checking your Experian XXXX XXXX. When you apply for credit, a " hard inquiry '' may be placed on your XXXX XXXX and it stays on your report for 25 months.. 

The point is, I did not do any of this or authorize any of this to happen. I do not bank with XXXX nor have I ever.
Consumer complaint received 2023-11-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/2023 Pursuant to 15 USC Section 809 ( B ) I'm putting you Midland Credit Management on notice that your claim is disputed and validation of the furnished account I received in the mail. The letter is dated XX/XX/2023. 

Midland Credit Management has not supplied proof under the doctrine of estoppel by slience, Engelhardt v. Gravens ( mo ) 281 SW 715.719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

I have a right to this information, as it's directly associated with the mail I receive and I'm requesting the following : * Signed contract with my wet signature giving you to contact me in regards to the alleged debt * Purchase Agreement * Evidence that you are a licensed debt collector. 
* Chain of Title Proof that you are a licensed debt collector to collect in my state.

* A requested copy of your State Department of Commerce and Insurance Certificate.

* A REQUEST FOR ACCOUNTING REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210s and This authenticated record must include all tax fillings ( including 1099 's 1096 's and 1098 '' s ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting.

And the following questions and information answered truthfully under oath : 1. Are you the owner or Assignee of this alleged account?

2. What are the terms of the transfer of rights regarding this alleged account? 
XXXX. Does a verifiable, bonafide original commercial instrument between the debt collector and alleged debtor containing alleged debtor 's verified, bonafide signature? 
XXXX. Did you purchase this alleged account from the alleged original creditor? 
XXXX. If so, what was the date of purchase of this alleged account from the original creditor and purchase amount? 

This is also a notice for you to CEASE & DESIST all Communication and Collection activities in regards to the listed account above with 15 USC 1692c ( c ).

Failure to stop contacting me through the mail in 15 days as requested will result in legal matters being taken and me turning you Midland into the ( FTC ) Federal Trade Commission for aggravated identity theft, Fraud, and for violation of the FDCPA. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this may be tendered as evidence of failure to comply. 

In Good Faith Without Prejudice By : XXXX XXXX XXXX
Consumer complaint received 2018-02-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Express Recovery Services, Inc. (UT)

Recently filed a complaint ( # : XXXX ). Company agreed to " contact our client XXXX and they have agreed to write off the outstanding balance. We have removed our credit reporting entry and cancelled the account from our system. '' This has not been removed from my credit report, at all. 

This is not my debt, and I do not owe it. It should not be written on my credit report, and the company agreed to remove it. However, they have not kept up with their promise to remove.
Consumer complaint received 2023-11-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$940.00} XX/XX/2018 15 U.S.C , 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.