davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Professional Credit Management, Inc (MS)

on XXXX this company put a medical bill on my credit report but with the wrong address and i have tried talking with them to remove this from my credit reports, they went in and they are using a loophole to get this done by using a company name ( professional credit management ) .this is not fair according to the ftc . but they still said its for the imaging center that was for XXXX for XX/XX/XXXX. I been at my home here since XX/XX/XXXX and they said that they tried calling me and i did not answer calls, then they said they sent it to another address that was not associated with me.I need some help please upon removing this from my credit reports because I supposed to be closing on my home in may. I have paid this XXXX $ but its the hardship behind all of this illegal loophole that they have done. 

Thanks XXXX XXXX
Consumer complaint received 2019-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX listed multiple 30 and 60 day late payment on my credit report from XX/XX/XXXX to XX/XX/XXXX. This information is incorrect and negatively affecting my credit report. This is reporting on XXXX  and Transunion. Please remove the 30/60 day late payments from my credit reports.
Consumer complaint received 2022-03-28
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

My wife had XXXX accounts with XXXX and closed both accounts and they were reported as closed and paid on time. However, on my Equifax and XXXX it is showing a 30 day late that never happened. I am attaching my XXXX that shows it paid ontime/closed and then my wifes reports showing no late payments ever. I was an authorized user and have been told that it has to go through the main person, however her reports are accurate so no dispute can be made.
Consumer complaint received 2016-02-19
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: TRANSWORLD SYSTEMS INC (CA)

I got a loan in XXXX from XXXX XXXX XXXX that was then sold ( assigned ) to XXXX XXXX XXXX XXXX XXXX XXXX. I was approved for a loan called an " XXXX XXXX XXXX XXXX XXXX ''. The amount of the loan was {$20000.00}. There was a loan origination fee of {$1800.00}. The Note Disclosure Statement lists the total finance charges at {$49000.00}, with payments totaling {$69000.00}. I have since paid back over {$10000.00} of this loan but due to financial hardship was unable to continue making payments in XXXX. I wanted to reach a reasonable payoff amount but debt collectors demanded amounts in the {$23000.00} range. I am now being sued for {$27000.00}. I have credit card debt, Federal student loans, and no income. I feel that my only course of action may be bankruptcy. Only after I was served with the lawsuit did I begin to conduct research and I discovered that according to the Internal Revenue Code I was not a qualified student at the time I was given the loan. A taxpayer is an eligible student if he is enrolled at least half-time at a XXXX institution and is seeking a degree, certificate, etc. IRS Code : 26 U.S.C. 221 ( d ) ( 3 ) ( referencing 26 U.S.C. _25A ( b ) ( 3 ) ( requiring the student fulfill the requirements of _484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. _1091 ( a ) ( 1 ) I was enrolled in classes at XXXX XXXX XXXX XXXX XXXX XXXX school. This is only part of a XXXX college district, and offers classes in things like woodworking and retirement planning and these classes do not carry college credit. I submitted proof of enrollment in this school when I applied for the loan, but this school was not a qualified school that met the criteria for an education loan. I was not enrolled in a program that would lead to a degree or certificate. When I submitted my documentation in XXXX, I was led to believe that the classes I was enrolled in were sufficient. My tuition costs were only a few XXXX dollars. I believe this loan was given to me because the lender knew that I would have no recourse if I were to default, so the criteria ( qualifying school, qualified student ) were overlooked in order to get me into a more binding loan agreement. It was obviously in their favor to offer me this loan rather than a personal loan.
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: HSBC NORTH AMERICA HOLDINGS INC. (NE)

This is my XXXX submission regarding Beneficial on different issues. They seem to respond only when I file with CFPB. We refinanced our Mortgage in XXXX to a local bank and still did not get the Released Deed of Trust. According to the new lien holders beneficial did not release the deed of trust and the payment has cleared.
Consumer complaint received 2022-05-16
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. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2022-05-16
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: EQUIFAX, INC. (NC)

on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the EQUIFAX data breach and may have got into the hands of the wrong person ....
Consumer complaint received 2019-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc. (TX)

I received a credit alert about a debt collection agency that i am not aware of. i lost my social security last year and so far so good i just got a new one. i don't have any idea of this phone bill and i never used XXXX   before. please help me investigate into this matter.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (CT)

I went to check my credit via XXXX  XXXX and it says that I have a hard inquiry from Amazon, and now my credit went down four points. I contacted the bank associated with the crediting of the financials through Amazon. " Syncb/amazon XXXX, FL XXXX ( XXXX ) XXXX '' This credit inquiry was taken out on XX/XX/2019 and I never applied for credit.
Consumer complaint received 2022-12-16
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. (GA)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-05-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Remex, Inc. (NY)

REMEX INXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore REMEX INC ( Original Creditor : XXXX XXXX XXXX XXXX ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (MN)

XXXX XXXX XXXX XXXX XXXX XXXX Billed for {$320.00}, NOT MINE. 
Paid XX/XX/2023, check XXXX {$500.00} Paid XX/XX/2023 check XXXX {$180.00} That is all I owe. The charges : XXXX on XXXX for {$130.00} XXXX XXXX XXXX XXXX on XXXX XXXX XXXX for & XXXX XXXX XXXX XXXX on XXXX in XXXX XXXX  for {$8.00} XXXX XXXXXXXX XXXX XXXX  for {$49.00} NOT MINE Please get this straightened out. I have been dealing with this since early summer.
Consumer complaint received 2024-02-22
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Cedars Business Services, LLC (TN)

I have been harassed by cedars business service about a debt that is owe to XXXX. in which I have never borrowed, traded, or deposited into the account. I can not ascertain none of the transaction history from either cedar or XXXX but you are telling me that I owe you {$160.00} Dollars. Please have a complaint against XXXX and cedars for establishing boiler room conspiracy. I am not the only one who has been harassed by cedars by the way of XXXX
Consumer complaint received 2024-02-22
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. (AL)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-11-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

On XX/XX/2019 I opened a new checking account ( restricted use ) along with a credit card from XXXX ( XXXX XXXX XXXX XXXX XXXX ). Since opening this account I have found out just how restrictive these accounts really are for access to them. There are such limitations as to do not the ability to pay my bill or make deposits from an outside bank. I am often visiting my fiance ' in XXXX XXXX, NV. and have found out that I can not make a deposit into a shared branch account with this credit union under these restricted accounts. I can not make any credit card payments either thru the shared branch network.There are no branches of XXXX in XXXX XXXX, NV. at all. 
The week of XXXX XXXX I spoke with a representative of XXXX over the phone and explained my difficulties as I had an upcoming credit card payment I wanted to make but was still in XXXX XXXX. I told the representative I would be back in town in a week or two and I would make the credit card pymt at a branch as instructed. I came to town on Saturday XXXX XXXX and tried making a deposit at the XXXX, CA. branch that evening but the ATM would not accept my deposit and I was forced to wait until Monday. So I went again on Monday and the ATM would not accept my money. A manager came out of the branch at this time an informed me that the ATM System was having trouble operating. I am never late on any payment on any account as it reflects negatively with a drop in credit standing as mines have 82 points.
Consumer complaint received 2019-11-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc. (TN)

I went to see XXXX  XXXX on XXXX XX/XX/2019. I was sent a bill without the description of services or being itemized. I asked several times for and itemized bill and never received one. I received a final bill, ( still not itemized ) on XXXX XX/XX/2019, I called and asked for an itemized bill and was told they would send it if I paid the bill. I paid the bill over the phone with the billing department, and received a receipt in my email. I fund out today that there is a company called Franklin Collection Services,XXXX  XXXX XXXX XXXX , XXXX , MS XXXX, that is reporting that they are trying to collect for the bill to all three of the Credit Reporting Agencies. I called Franklin Collection Agency, they took my information, including my Social Security Number, and they said that they couldn't speak to me about the collection of this debt and that I needed an attorney. They said that they could only speak to XXXX XXXX  the Doctors firms name. I offered the receipts and they said that I could have my attorney submit them in court. I called XXXX XXXX back and they said that they couldn't do that because they didn't have any amount to be collected. I believe they took my personal information for fraudulent reasons! I am not sure what their scam is yet, but expect calls from them in the future!
Consumer complaint received 2022-12-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (CO)

This company continues to call me requesting payment on an account that has been closed and settled with the original creditor. National credit systems continues to ask me for the receipt and a copy of my bank ledger which I have provided to them multiple times and they still will not close my account.
Consumer complaint received 2022-05-16
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY (OH)

In accordance with the Fair Credit Reporting Act, American Express ( Partial Account # : XXXX ) has violated my rights. 

15 U.S.C. 1681 Section 602 A states that I have the right to privacy.

15 U.S.C. 1681 Section 604 A ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

This is in reference to the complaint I had filed earlier - XXXX. 
Someone had fraudulently obtained a credit card in my name from Bank of America {$14000.00} back in XX/XX/2015. I had contested against this account with the bank when Bank of America tried to recover the money from me.

I received a 1099-C ( Cancellation of debt ) from Bank of America last month. Bank of America wants me to file 1099-C in my tax return on an account that doesn't belong to me. 

Please advise me on this. 

Thanks XXXX XXXX
Consumer complaint received 2022-04-15
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: SYNCHRONY FINANCIAL (VA)

Before I opened a credit card with Lowe 's, I read some of their policy. I was a member of one of their top competitors so I check to see if they offered the same benefits of being a card member. I made a purchase with them and later hated my purchase, the item was part of a set I had years before opening a credit card. When I tried to take advantage of my Lowe 's Advantage Card, I was denied making a return. I wrote to the Corporate Office but received no response. When I contacted them by phone, they seem confused by my request but after reading it online, confirmed the return policy. I was told to contact the store near me and speak to the manager but that didn't go well. I am not a fan of the bait and switch. I don't like for companies to offer incentives with their credit cards but don't respect that when you remind them of their policy. My suggestion would be to remove this off their website if it is not true. Please see message on their website : Most new, unused merchandise can be refunded or exchanged with proof of purchase within 90 days of the original purchase date, unless noted in ourReturn Policy Exceptions. If your purchase was made with a Lowes XXXX  Account ( XXXX  ), XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX  ) or XXXX XXXX XXXX XXXX XXXX ), you have 365 days from the date of purchase to return the product, unless noted in our Return Policy Exceptions. All returns are subject to system approvals.
Consumer complaint received 2021-10-27
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. (IL)

On XXXX I sent Equifax a dispute letter for inaccurate reporting accounts on my credit report/file. It has been over 30 days and I haven't received any correspondences/reply from Equifax. I mailed another letter on XXXX stating I haven't received correspondence from them and to please delete the accounts listed in the letter for violation to respond within 30 days
Consumer complaint received 2023-09-30
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. (NV)

I am writing to address a matter of utmost urgency involving several FRAUDULENT, INACCURATE, UNVERIFIED AND ERRONEOUS REVOLVING ACCOUNTS on my credit report, which have been erroneously linked to my identity. Upon a comprehensive review of my credit report, I have identified the following erroneous accounts : XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX Balance : {$1900.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Balance : {$6600.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX Balance : {$9600.00} Date Opened : XX/XX/XXXX I must emphasize that these accounts are not associated with me and are a result of identity theft, a situation that is both distressing and deeply concerning. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) enforced by the Federal Trade Commission ( FTC ) and applicable privacy laws to request the immediate removal and Block of these erroneous entries. 

Furthermore, I wish to draw attention to the urgency of this matter. According to the FCRA and other pertinent privacy regulations, erroneous information must be rectified within a reasonable time frame. Given the gravity of this situation, I kindly request that these accounts be expeditiously removed from my credit report within four days mandated by law. 

I thank you in advance for your immediate attention to this serious issue. I trust that you will uphold the commitment to consumer rights and privacy laws in rectifying this situation.
Consumer complaint received 2021-10-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc. (CA)

I canceled all cell phone service with XXXX on XX/XX/XXXX with XXXX email confirmation I have called XXXX regarding an outstanding bill of {$300.00} for a XXXX XXXX that was returned on XXXX. 

I have two emails from XXXX on XX/XX/XXXX, confirming that the return of the XXXX XXXX. 

I have always paid my bills with XXXX in full ( On auto-pay with my bank account ) I have email confirmation on XX/XX/XXXX, from XXXX that the XXXX XXXX was returned back on XX/XX/XXXX. 

This error with their billing was closed on XX/XX/XXXX, but XXXX has now sent this erroneous bill to AmSher Collection Services . 

On XX/XX/XXXX, XXXX in XXXX Customer Service emailed me stating the refund/correction to my bill for {$300.00} because it was an error. 

I will include all email correspondence from XXXX in this complaint to assist in having this complaint corrected with XXXX and the Collection removed from my credit report.
Consumer complaint received 2024-05-31
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: Navient Solutions, LLC. (CO)

I had subprime loans from Sallie Mae which was later transferred to Navient and is currently with XXXX after refinancing. Sallie Mae offered these loans at exorbitant rates at a time when I wasn't even a US resident or had a SSN. My rates were in the 12-15 % range at a time when nationwide average was between 1-4 %. Total loan amount was around {$75000.00}, I was paying interest while I was in college. After graduating, I haven't missed a payment, paid over XXXX and still have over $ XXXX to go. After reflecting on this, my loan seem to have quadrupled while I was on school. 
I am seeking the remainder of the loan be forgiven. 

Thank you, XXXX XXXX