davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-15
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. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You 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 Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

The accounts listed below are reporting inaccurately on my credit report and it is in violation of The Federal Law. You 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. After further investigation, the account was paid in full and the charge off listing is reporting inaccurately. You 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 Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. The law is noticeably clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-26
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Clear Debt Solutions, LLC (OH)

This company keep calling about a debt they are saying I owe. They are threatening me and calling my work. I have asked them to stop. I XXXX  the number and it said they were collecting for XXXX. I contacted XXXX   and they apologized and said that the call was a fraudulent scam! The collections company said they were CDR. They asked for my social security number! They also leave a ton of personal information in voicemail messages that anyone could be listening to!
Consumer complaint received 2022-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (SC)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX XXXX Account # Not Available On Credit Report XXXX. XXXX Account # XXXX XXXX. XXXX XXXX XXXX XXXXXXXX Account # XXXX XXXX. XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have right to privacy.

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.

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.
Consumer complaint received 2019-08-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (CA)

I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Be further advised that I request the name and address of the original creditor, along with an agreement with my original signature binding me to the alleged debt. You are illegally attempting to collect an alleged debt and money that I do not owe.
Consumer complaint received 2022-10-21
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SLM CORPORATION (CO)

Daily phone calls from Sallie Mae asking if I know someone called XXXX or similar name. Every time I tell them I have never heard of this person and please take me off their calling list. They tell me they will remove me and then call again and again and again. Non stop for the last couple of months. 
They are not calling about any debt that I owe. I have never owed this company money and I dont know the people they are looking for.
Consumer complaint received 2021-10-20
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. (OH)

I have contacted XXXX XXXX XXXX XXXX on a matter that pertains to my credit. I have been a victim of fraud. I sent XXXX XXXX XXXX XXXX a copy of my FTC affidavit via certified mail. I have 4 accounts on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to XXXX XXXX XXXX XXXX to remove these 4 fraudulent accounts from all three credit bureaus ( XXXX, experian ) and XXXX XXXX XXXX XXXX disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay XXXX XXXX XXXX XXXX and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (CA)

I.C.Systems Inc has a debt for XXXX dollars that XXXX XXXX has for XXXX dollars that XXXX has for XXXX dollars all 3 company 's are trying to collect this debt none respond to validate debt yet the dispute I have filed was not completed all remain on credit reports.
Consumer complaint received 2018-04-25
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc. (TN)

I have attempted to resolve this issue once with IC System, Inc. ( " IC '' ) and the original creditor, XXXX XXXX XXXX  -- in XX/XX/XXXX -- and one previous time with XXXX XXXX XXXX -- in XX/XX/XXXX -- which attempt went unanswered.

I returned all of my XXXX XXXX XXXX XXXX equipment to XXXX XXXX XXXX   when I moved in XX/XX/XXXX, and thereby canceled the service. I have a shipment receipt from the XXXX XXXX ( XXXX XXXX XXXX XXXX specific vendor for this purpose ) evidencing the return of all leased equipment. As of the date I returned the leased equipment, my bill should have been about {$250.00}.

In XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX proffered an invoice to me purporting to demonstrate a total amount due on my cancelled XXXX  account in the amount of {$770.00}, which included charges for service, and charges for rented equipment, through XX/XX/XXXX. In XX/XX/XXXX, IC sent a collection notice from IC System for the same alleged debt.

In XX/XX/XXXX, I sent letters, with numerous exhibits to both XXXX XXXX XXXX and IC. IC sought perfunctory evidence of the indebtedness from the creditor, which XXXX XXXX XXXX provided, and IC sent a new collection notice in XX/XX/XXXXor XX/XX/XXXX. The evidence provided by XXXX XXXX XXXX and relied upon by IC -- apparently without having been reviewed -- plainly contradicts the claim that my balance is {$770.00}, because the document shows that XXXX XXXX XXXX charged rental fees for equipment that had already been returned and was in its possession. ( I was not under a service contract at this time ; the term had ended in XX/XX/XXXX or early XX/XX/XXXX. ) Accordingly, even if I somehow still could possibly have had service at a residence I no longer occupied or had anything to do with, XXXX XXXX XXXX is still charging rental fees for equipment that had been returned. IC knew and knows of this defect, yet insists that I am on the hook for the {$770.00} figure.

I have invited IC and XXXX XXXX XXXX to calculate the amount I owed in XX/XX/XXXXbut they have refused. IC is now posting the purported debt to the consumer reporting agencies, and I have informed IC that it should prepare to sue me. ( I am a financial services litigation attorney, and obviously have counter-claims in mind. ) I have always been willing and able to pay whatever balance was due on my XXXX XXXX XXXX XXXX account as of XX/XX/XXXX. BUt I will not allow IC and XXXX XXXX XXXX to shake me down for indebtedness that I do not owe and never incurred in the first place.
Consumer complaint received 2019-08-29
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. (NV)

I submitted a dispute for information on my credit report which doesnt belong to me as well as a police report and a report filed online. The information was not fixed. However, my current wife s name and information for which we share jointly was deleted from my EXPERIAN CREDIT REPORT resulting in a NEGATIVE IMPACT on my credit report. Can you please fix this. My spouse is XXXX XXXX. 
Thanks
Consumer complaint received 2020-01-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Solutions (NE)

Credit Seaseme showed I had an amount in collections with that I do not believe I owed. The debt was previously with XXXX. I called credit solutions and asked for a verification letter on XX/XX/2020. XXXX from credit solutions stated they already sent one, but it was an old address. They should not have had that address since I updated it with XXXX and all communication should have gone to the new address. I asked for a new one, the woman said she could not send me another letter. I stated that was illegal, and she said that the software used to send letters was down so she wasn't sure how long it would take to be sent one. I asked if it would continue reporting past due in the meantime, she suggested I talk to her supervisor. I was sent to the supervisor voicemail and have not heard anything back. They never asked for my updated address so I do not know how they will send me the debt verification.
Consumer complaint received 2020-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

i tried sending my personal Information to Experian as i have been a victim of identity theft and fraud and submitted my complaint thru the CFPB and they still generated a automated email stated that i did not submit this complaint and i didn't have sufficient information to delete these fraudulent accounts. Please see attached documents to support my request AS I XXXX XXXX am submitting this request to have these accounts blocked. further more here 's the law The Fair Credit Reporting Act ( FCRA ) Section 609 ( e ) requires you to provide identity theft victims or law enforcement at the victims request with a copy of records relating to the theft. Following a written request from an identity theft victim, you must provide the records within 4 days after the date of receipt of a request from ta victim, free of charge and without a subpoena. This is sometimes called the business records turnover provision. 


I certify Under penalty of perjury that the foregoing statements made by me are true and correct and contain no misrepresentations of facts
Consumer complaint received 2018-04-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (OR)

To whom it may concern : I am writing to express a complaint of disgust regarding my Navient, formerly Sallie Mae, loan debt. I began my education with a school entitled, The XXXX XXXX, in XXXX, N.J. for the year XX/XX/XXXX, and left four years later from a, XXXX XXXX XXXX. Also, this program that the United States Government granted fiscal loan funding for me to attend was for XXXX XXXXXXXX. Only it would also be allowed to advance a real time XXXX program while accepting pay and attendance from XXXX XXXXXXXX. At the time many unethical offenses were experienced by me and other consumers of The XXXX XXXX. It was the title schools final years and during the business transaction with XXXX XXXX XXXX almost any and all oral contracts had been revised with students. Actions, such as : uncertified teachers conducting English class would pass without any hard evidence obtained from the student/consumer to provide in a court of law. Therefore, many took a leave of absence and most assuredly left crying over the debt more than the time lost. 
Im writing to share my shame for ever trusting a United States federal loan agreement. I still owe a lot of money plus federal loan interest on what I consider to be a con debt. My experience and overall poor timing in attending a proprietary school my Government felt compelled to make loan offers to for business was a bad egg decision. If I had understood what little success would really come from the financial investment I was being allowed to make, I never would have made it. I was only XXXX years old when I signed away my right to a responsible future with a family, for debt that would never amount to anything great. Its been a shameful display, but not mine alone to bear. Furthermore, I will continue to live and witness more unethical practices i.e. debt collection Sallie Mae. 
I wish someone within Government cared enough to seal up these sort of lose ends on Federal loans. I wish my Government wasnt seeking to profit rather than aid a citizen dream. I would hope that someone would investigate the validity of my claims and remove my debt. Navient can not or will not even negotiate a settlement after almost twenty five years of accruing. Honestly, there has to be a better way. 

Sincerely, Said Student/Consumer
Consumer complaint received 2021-10-20
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: First Federal Credit Control, Inc. (OH)

I have contacted First Federal Credit Control on a matter that pertains to my credit. I have been a victim of fraud. I sent First Federal Credit Control a copy of my FTC affidavit via certified mail. I have 4 accounts on my credit that I did not open nor did I authorize. Prior to sending the affidavit I sent a letter to First Federal Credit Control to remove these 4 fraudulent accounts from all three credit bureaus ( XXXX, XXXX ) and First Federal Credit Control disregarded my request. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay First Federal Credit Control and the collection agencies could not provide that information. I want this information removed IMMEDIATELY!
Consumer complaint received 2021-10-20
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc (DC)

Yesterday I reached out and spoke with XXXX who told me he was removing the late fees that I received after PayPal tried charging a closed account despite having both an updated banking account information as well as my credit card information. Because I continued to get emails about the late fees, I called again and spoke with XXXX XXXX XXXX ) who told me PayPal was unable to remove the fees. I asked why I was given different information yesterday but couldn't get an answer. There is no accountability. Both calls took place on a recorded line according to PayPal. I refuse to pay the late fees especially after XXXX told he was removing them. At this point, I would also like to close my PayPal account. Shouldn't there be notes from yesterday 's call?
Consumer complaint received 2020-11-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY (RI)

This complaint is against American Express. They are repeated calling me to collect a debt that is not mine. I have told them this is not my debt and remove my phone number but they continue to call and harass me. This debt belongs to another women with the same name as mine that lives in the same town. Ive told them this repeatedly times.
Consumer complaint received 2022-10-21
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. (IL)

I have been requesting that any information on my credit report be verified by the collection agency that has placed the collection on my credit report. 
This collection of {$760.00} has been on my report through a collection agency name XXXX. I sent request to all 3 bureaus, and it was removed because it was not verified. Now 2 years later, A new collection agency XXXX XXXX XXXX  has put this collection on my credit report. I have written all 3 credit bureaus again XXXX removed it, but XXXX and Experian have not removed it. I informed them that any automated response, or e-oscar verification is unacceptable. 
I have requested that they provide me with the description of the procedure used to determine the accuracy and completeness of the information is hereby requested Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. They have not complied with the request.
Consumer complaint received 2019-03-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: HW Holding, Inc (AZ)

Approximately XXXX, I paid XXXX XXXX XXXX formally known as XXXX XXXX XXXX XXXX XXXX XXXX to vacate the eviction and I signed documents to accept the offer. I even got rental help by an agency here in XXXX which paid them XXXX which was the maximum amount they would pay. This eviction/judgement that's being reported on my XXXX credit report is false and its hindering me from getting an apartment.
Consumer complaint received 2019-11-18
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: United Revenue Corporation (TX)

XX/XX/19 and XX/XX/19 I received responses to the disputes I sent them originally requesting a HIPAA release signed by me to show they had authorization to collect information. The letters included their right to collect the debt as well as other requested items. They did not send HIPAA release form or signature. I also sent the same letter to XXXX  and they too have not replied or released the HIPAA form I requested. United Revenue Corp called my disputes vague and stated they would consider them frivolous. I have made them aware this is damaging my credit and to please stop reporting due to their no response.
Consumer complaint received 2020-01-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I received a phone call from phone number ( XXXX ) XXXX, on behalf of JC Penny, they said they were attempting to collect a past due debt, that for which I have already paid for and have and provided documentation for. They threatened me to take me to court. They keep no calling me every every year.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO Bank, N.A. (AZ)

My account was overdrawn on XX/XX/2021 so I went to deposit money to take care of the negative balance after my work day. I made the deposit to my account around XXXX mountain time and then the following day I was hit with a NSF fee. I didn't care too much about it, but after figuring out I made the deposit before the cut off time I was a little perplexed. On XX/XX/2021 I contact BMO Harris around XXXX XXXX to get an explanation of why I was changed a fee, but the rep glossed over my question and asked, " why do you think you need the fee refunded? '' I was a little confused about the question so I asked her to repeat herself and sure enough she asked the same question and doubled down on asking me questions that were not related to my inquiry. I was put on hold, rep came back and negotiated a 50 % refund because of my account history. I told the rep I've never had a ODF or NSF fee before so she decided to pick at my spending habits. 

My issue is, if my cash deposit was before the cut off time I shouldn't have been charged a NSF fee because I funding the account. Furthermore, I shouldn't be patronized by some bank rep about my beliefs on getting a refund, etc.