davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (FL)

I have received multiple calls from capio partners, most recently today XX/XX/2020 about a medical debt they claim I owe. They do not have any information on who the company is that they are trying to collect on behalf of, when I asked if they could get me information on the debt they told me to call my insurance company and figure it out and hung up on me. This happened more that 7 times. Every time I would ask if they could get me the information because they are the ones who called me, they said " we already told you to call your insurance company XXXX from 3 years ago ) and that there was nothing else they could do '' and they would hang up on me.
Consumer complaint received 2020-02-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

I disputed my information with Experian, XXXX, and XXXX on XX/XX/2020 and the problem hasnt been corrected. Its been over 30 days
Consumer complaint received 2018-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (OH)

XXXX  XXXX XXXX is currently managing my loans. I have been in contact with them and on the phone every month since XX/XX/2017. My loans were being serviced by other companies before I transferred them to XXXX  XXXX XXXX, and they continue to tell me that my loan payments from the old service companies " have to be processed '', but they have been telling me the same thing for 8 months now. I have made 120 on time qualifying payment, but most of them were to other service providers before I transferred to XXXX XXXX XXXX. The biggest problem for me is that have been family planning for years and setting up not to have to continue to pay on these loans, expecting them to be forgiven. Any help would be appreciated.
Consumer complaint received 2019-07-11
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 have found errors on my Equifax credit report # XXXX that need to be investigated and deleted. I have to complained to Equifax multiple times that XXXX XXXX XXXX XXXX XXXX Is not valid and does not belong to me. I have provided copies of documents that show that XXXX XXXX does not have any contract or any proof of billing for the amount of {$590.00} nor do they have any documents that say that they bought a debt for {$570.00}. This account is not verifable by this company and should be removed. 

I also found that the account from XXXX # XXXX- This company too does not have any contract or any official billing that prove this is my debt- The address listed XXXX XXXX XXXX XXXX Oh XXXX also does not belong to me and was listed by XXXX and should be deleted and removed. 

The following TWO addresses do not belong to me and should be deleted and removed : XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX OHio XXXX
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (CA)

Midland Credit Management XXXX XXXX {$1900.00} XX/XX/XXXX By not replying in a timely manner to my initial letter on XX/XX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company
Consumer complaint received 2020-02-20
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A. (HI)

a best buy credit card through Citibank has my name associated with it. this is fraud as I know nothing about the account other than it is on my credit report. best buy says they can do nothing, Citibank demands I verify an account I know nothing about other than someone added my name to it. I am not the primary or the secondary account holder I am somehow associated with this account as it is on my credit report overdrawn and whomever owns it has stopped paying on it. I initiated investigations with XXXX  but they alos have done nothing other than verify said account exists. again this is fraud!
Consumer complaint received 2020-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

I was working with XXXX XXXX XXXX XXXX since XX/XX/XXXX. They promised me I would not have to pay anything towards my loans and within 240 months my loans would be forgiven via the Revised Pay as You Earn ( REPAYE ). for my student loan payments if I paid them {$790.00} up front and {$39.00} a month for their services. They took payments from me until XX/XX/XXXX totaling about {$1400.00}. My credit score plummeted by 48 points in regards to my student loan on XX/XX/XXXX. So I reached out to the company to not get any response or help with figuring out what was going on with my loan and credit score. I then received an email from XXXX saying that there was a lawsuit with the federal trade commission and XXXX XXXX XXXX XXXX for charging inappropriate fees. I immediately called my loan servicer to make sure everything was okay with my loan, and then ensured that XXXX could no longer take payments from me by calling my bank account. Since then I have received a couple of emails of them still trying to take these payments out of my account, but were unsuccessful because of my bank being notified not to allow them too. I have print outs of everything regarding this incident if needed.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Law Offices of Robert A. Schuerger Co., LPA (OH)

Numerous call received and message left regarding debt. Called back- debt in relation to family member, whom I do not speak with ( last I heard he was in jail ). Requested I not be contacted regarding this debt any longer. 

Calls continued- including leaving numerous voicemails/ day.
Consumer complaint received 2020-02-20
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (NC)

I am enclosing XX/XX/2019 dated fax from M & T Bank regarding instructions to wire Payoff to the Closing Attorney. This fax from M & T Bank " clearly states '' that wire transfers received in our office no later than XXXX EST to be processed the same day. 
The payoff amount wired was received on XX/XX/2019 and it should have reflected " Paid in Full '' no later than XX/XX/2019 and " NOT '' XX/XX/2019. 
M & T bank fraudulently started Foreclosure proceedings on reference subject complaint on XX/XX/2019 when they actually " had full payoff amount '' of the subject mortgage, and their excuses are nonsensical as to why the payment wasn't posted on XX/XX/2019 when in fact they did not post payment ASAP. 
In addition, M & T bank has " NOT '' given within Sixty ( 60 ) days of payment of payoff received to XXXX County, GA Superior court a Satisfaction of Paid in Full to Release Security Deed as required by Georgia State Laws. I have sent a certified letter to M & T Bank requesting Liquidated Damages per Georgia Law.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: R & B Corporation of Virginia (VA)

My insurance company instructed me not to pay the billed amount of {$7200.00} received from XXXX XXXX XXXX for services on XXXX, XXXX, XXXX because they would be processing my claim. My claim was processed on XX/XX/XXXX but the hospital did not show the updated allowable amount under the plan which is {$1800.00}. My credit report now shows an incorrect collection amount of {$7200.00} and On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted Credit Control Corp, the collection agency, to remove this balance. I provided the EOB as required and still have not had the debt removed. Meanwhile Im under contract to purchase a home and my credit has been damaged.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BC SERVICES, INC. (TX)

I received a notification that a collection was added to my credit report, I login and see a collection from this company for {$4300.00}. I have no idea who this company is or what it's for as I have not received any communication from them nor a notice of right to dispute. 
It also states that this will not fall off until XX/XX/2025 which would imply with in the last year I did something that would cause me to incur a bill, That is 100 % false as I know for a fact I have not. 

The fair credit report requires you to send your rights to dispute, it also requires the information you report to be 100 % accurate and true ; it also must not be reaged! Nor do I have any type of contract with this company.
Consumer complaint received 2020-02-20
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: EQUIFAX, INC. (AR)

This is the second time my identity has been compromised. I don't understand why this continues to happen to me, but there are several accounts that were open under my name that are not mine and need to be removed. Please remove these fraudulent unknown accounts from my report. 

DEPTEDXXXX XXXX {$11000.00} DEPTEDXXXX XXXX {$3400.00} XXXX XXXX XXXX {$26000.00} DEPTEDXXXX XXXX {$21000.00} DEPTEDXXXX XXXX {$6100.00} DEPTEDXXXX   XXXX {$20000.00} XXXX XXXX {$3200.00} DEPTEDXXXX   XXXX {$3700.00} DEPTEDXXXX XXXX {$7500.00} XXXX XXXX   XXXX {$23000.00} US DEP ED XXXX {$34000.00} XXXX XXXX {$5700.00} XXXX XXXX {$290.00} XXXX XXXX XXXX {$2800.00} XXXX   XXXX {$7100.00} XXXX XXXX {$990.00} US DEPT ED XXXX {$8500.00} UD DEPT ED XXXX {$9000.00} XXXX   XXXX {$5300.00} XXXX/XXXX  XXXX {$0.00} XXXX XXXXXXXX XXXX {$430.00} XXXX  XXXX XXXX {$480.00}
Consumer complaint received 2020-02-20
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY (SC)

hello Resolution of a claim with a ghost company from XXXX : XXXX XXXX : XXXX I did a claim to my bank wells Fargo I did some purchase last year, but I never got the merchandise, so I did a claim to my bank because I did this purchases through my account with them. they did some research and refund the money to my account, and on XX/XX/2020 they withdrawn again the money from my account {$760.00} saying I did not response for the investigation, they never told me they were keep doing research, they took a month to refund the money to my account, and send me a new card for protection, I don't speak XXXX, my wife is doing this for me, they said they called me but probably in XXXX and they said they send me a letter for more information, when I did the claim it took me over a hour and gave all the details, the dates and the merchandise, never was told they were doing more research, though after a month they did it, and for the reason they refund my money, I need my money I am a salary person, I have a family and {$760.00} is a lot of money for me to just be taking off, I need help to get this money back, I did not know this company is a ghost company, and do frauds, I thought they as my bank will support me as his customer.
Consumer complaint received 2019-09-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A. (CO)

Someone has made numerous payments to my Best Buy acct ( XXXX XXXX XXXX XXXX ) for months now I reported this to Best Buy and they have purposely mislead me for months sending me to the Fraud dept Today ( XXXX ) they informed me ( XXXX XXXX that it was not fraud but XXXX XXXX   problem Not true XXXX XXXX  ( XXXX XXXX states that there is nothing they can due about the over the phone payments Citi ( Best Buy ) will not furnish the routing and acct. nos so I can file a police report They are falsely reporting negative info to the Credit Bureaus for months XXXX XXXX XXXXXXXX XXXX XXXX have been notified by me of these fraudulent payments Citi ( Best Buy ) continues to give me the run around I had three ( 3 ) gift cards stolen XXXX reported them stolen the same day Best Buy let someone use them in New Jersey same day without having the cards just the nos No ID was checked and Best Buy sent me the duplicate rects for the transactions for the Ipads To date Best Buy has not responded S/N are on the rects
Consumer complaint received 2021-12-02
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. (IN)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: NAVY FEDERAL CREDIT UNION (IL)

I transferred two fees on my loan a year ago. I paid extra each month to target that balance by XXXX extra each month. I noticed a balance transfer fee on my invoice and contacted the company to find out why I was being assessed am Interest fee and a balance transfer fee. I was told that the promotion had needed and I still owed almost the entire transfer that I did when I opened my credit card!! I explained to XXXX that cant be possible when I have never paid the monthly payment I always paid more. Like XXXX more each month. She told me the extra money each month goes to The interest on the current balance. I told her how is that fair to the customer and how the heck do I pay the balance transfer off if I as the consumer can not pay down the balance nor can I see the breakdown when I make a payment!!! She was rude did not want to understand how their practices are misleading to the consumer and not fair!! I asked to speak with her Supervisor, which she transferred the call to XXXX who was more pleasant and agreed to waive the fees that were assessed. I am writing to you to investigate this institutions process to ensure consumers and not mislead and taking advantage of!!
Consumer complaint received 2020-12-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XX/XX/XXXX Transunion XXXX. XXXX XXXX XXXX, PA XXXX Dear TransUnion I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below and I have included proof of my social security and current address to avoid any delays in your response time. 

I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XX/XX/XXXX
Consumer complaint received 2023-03-23
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. (TX)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX TX XXXX ; XXXX Date of Inquiry : XXXX.
Consumer complaint received 2021-06-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC. (AZ)

I received notice of a lawsuit filed by Asset Acceptance for a XXXX XXXX old and paid in full account. I did not have the money to get an attorney so I did everything I could to respond to the court in AZ. The court then reported that they had vacated the case. They stated that neither party showed at the preliminary hearing. We did. I followed up with Midland Credit Management because Asset had turned it over to them. I disputed the debt and I was told that they would take no further action. After a period of time, I got a Motion for Summary Judgement. I again, could not afford an attorney and wrote my Opposition and Motion Against Summary Judgement. When I went to start my car to drive to the Court House and file it my battery was dead. I called to the court clerk who told me that I could file it late but that the Judge would file the Judgement against me. 

Asset Acceptance, Midland Credit Management, Encore, and any other names they use had a degree against them by you the CFPB. Almost everything that they were penalized for is things that I found out during my review and arguments against the Judgement. Yet it was filled anyways and they also garnished my checking account in XXXX  I believe for {$300.00} because that is all that they were allowed. 

I recently received a letter from them threatening to report to The Judgement unless I paid them. I called 4 or 5 different numbers only to be told that they were not the correct party and that they had no information. I have heard nothing further from them. 

I am attaching my OMSJ for your review. I feel that the affidavit was Robo signed, they did not have standing, they lied when they told me they would take no further action. Many things. I want this thrown out of court. I did not have the money to appeal it and I still don't. This Debt buyer has done this to a lot of people and it is wrong.
Consumer complaint received 2021-02-17
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: JPMORGAN CHASE & CO. (OH)

On XX/XX/2020, JPMCB CARD add a hard inquiry on my credit reports.

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2022-12-15
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. (CA)

Equifax is in violation my consumer rights by reporting inaccurate information about me.. I have contacted on Equifax, on XX/XX/2022 never heard anything, sent a second letter on XX/XX/2022 still waiting for an answer but willful violations occurs. I am victim of ID theft due to Equifax data breach. 

account name : ( XXXX  ) account number XXXX account : ( XXXX XXXX  XXXX ) account number XXXX account name : ( XXXX  ) account XXXX
Consumer complaint received 2023-03-23
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: EQUIFAX, INC. (TX)

Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.