davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-10
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Southwest Recovery Services, Inc. (NJ)

I previously filed a complaint regarding this matter. The party described responded and said that they would instruct their employees to cease and desist. They have reneged on that statement. They today called both myself and my wife claiming that they are seeking to deliver legal documents. This debt collector needs to be held accountable with the full force of the law. 
Please see below the text of my prior complaint. 

Southwest Recovery systems has repeatedly contacted me and harassed me over a debt that they say I owe and one that I have disputed for years. The client that they bought this debt from deceived me with regard to a website building offer and I canceled after learning of their deceit. Southwest has contacted me on at 12 different occasions and has attempted to bully me and harass me into paying a debt that I disagree with. They have never delivered proof of the original debt or amount. Today - XX/XX/2018 @ approximately XXXX they called my phone and attempted to get me to provide my date of birth, social etc over the phone. After i informed them that I have repeatedly asked them to stop calling they stated that they would just call again. Minutes after my wife called me to conference me in for someone calling her to ask for me. The same agent of Southwest was on the call and began berating me for hanging up on her earlier and smugly said she would call my wifes phone again. This company is very well known to practice harassing and threatening behavior and must be forced to stop or suffer financially for their actions.
Consumer complaint received 2021-12-22
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: Experian Information Solutions Inc. (GA)

On XX/XX/2021, I receive alert from of XXXX XXXX credit report XXXX, Experian and XXXX about some of that company inquire my full credit report. 
I don't have idea about this company I never asking nothing, now the XXXX company 's refuse to be removed this inquire from credit report make a big problem for me bcs take like more the 2 years to remove from my credit report, damage my record. 
The company ask for my credit report was : XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-04-11
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: Meade & Associates, Inc. (IA)

XXXX XXXX is a lifelong Iowa resident who has never lived in Virginia, nor traveled over 1,000 miles to shop at one of their local grocery stores. There are no grocery stores of this type in Iowa, and none of the identifying information from this creditor matches any legitimate information. 

Meade and Associates has and continues to violate : 1 ) The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 2 ) The Fair Debt Collection Practices Act, 15 U.S.C.1692
Consumer complaint received 2021-12-05
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: AMERICAN HONDA FINANCE CORP (VA)

In XXXX of XXXX, I went to the XXXX dealer and purchased out my vehicle at the end of the lease term. At this time, my account with Honda financial services was closed and has been closed since that time. 

Despite the account being closed for 2 years, on XX/XX/XXXX, Honda financial services made a payment on my behalf to a supposed tax bill they received and forwarded the cost to me. 

This can not be valid for several reasons : 1 ) the account is closed and has been for years, no activity should occur on this account XXXX ) I have never received a tax bill in the amount requested by XXXX, nor do I still live in XXXX XXXX, where XXXX told me on the phone the bill originated. If XXXX is receiving a bill from the City, it is because of something they have set up, not myself. 

3 ) I receive a biannual property tax bill from my current territory, the county of XXXX, which i have fully paid This is the second year in a row this has occurred.
Consumer complaint received 2018-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MI)

My loans are being serviced by XXXX XXXX. I am apart of the Public Service Loan Forgiveness Plan. They are miscalculating my payments-not counting qualified payments from my employment at XXXX XXXX XXXXXXXX XXXX XXXX and the XXXX XXXX XXXX   where I was/am a XXXX XXXX. Both have been certified as qualifying employers. Yet, they have not counted all my qualifying payments. I called them on the phone and was given no real reason why more than half my payments have not been included in my total from my employment at XXXX and the XXXX XXXX XXXX. In XX/XX/XXXX when I first submitted they came back and told me I had 27 qualifying payments. I was employed at XXXX from XX/XX/XXXX-XX/XX/XXXX and  was making monthly payments at or more to the IBR payment range from while employed there. I understand that only payments after XX/XX/XXXX count towards PSLF plan but they have not counted payments during this timeframe that do count. I left XXXX in XX/XX/XXXX and have been employed by the XXXX XXXX XXXX as a XXXX XXXX ( XXXX XXXX  ) and XXXX XXXX XXXX XXXX worker. I just turned in my certification for XXXX in XX/XX/XXXXand they come back and tell me I only have 78 payments approved total from both employers and extended my final pay off date by years. I have should have 69 payments just from the XX/XX/XXXX. So even with them not fully counting all my payments yet from XXXX, based on them telling me they counted 27 already in XX/XX/XXXX, then I would have at least 96 payments. Whenever I call them they keep extending the time frame that they need to figure out why the payments are not all being counted. I am very concerned that XXXX is mismanaging my account and this will affect my outcome with the PSLF program. It is not fair that I am meeting the requirements and their poor handling of my account is extending my time before I can qualify to write my loans off. Can you please assist me in getting them to review my account appropriately and according to the rules so all my qualifying payments are counted from XXXX XXXX XXXXXXXX XXXX XXXXXXXX and the XXXXXXXX XXXX XXXX. It is very frustrating to hear no real explanation from them regarding why they have miscalculated my account and to keep having their review process extended.
Consumer complaint received 2023-04-07
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. (OH)

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX ; XXXX XXXX Balance : {$4900.00} ; XXXX XXXX  XXXX Balance : {$8200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance XXXX {$10000.00}.
Consumer complaint received 2024-05-24
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Phillips & Cohen Associates, Ltd. (FL)

On XX/XX/XXXX, I entered into a payment arrangement with XXXX XXXX XXXX in order to settle credit card debt that was originally with PCA ACQUISITIONS V , LLC. A copy of the payment arrangement is attached. In accordance with the payment arrangement, XXXX XXXX XXXX  was authorized and withdrew via XXXX from my checking account payments XXXX through XXXX on the attached payment arrangement. On XX/XX/XXXX, I received the attached email from XXXX XXXX XXXX  reminding me that the final payment of {$350.00} was scheduled for XXXX on XX/XX/XXXX. On XX/XX/XXXX, I logged into my bank and noticed that the {$350.00} XXXX had not posted to my account. On that same day, I called XXXX XXXX XXXX to find out why the final payment was not drafted. I was informed that as of XX/XX/XXXX XXXX XXXX XXXX merged with XXXX XXXX XXXX  that my account was returned to PCA ACQUISITIONS V , LLC for futher handling, and that Radius was not able to give me any further information. I attempted to contact PCA ACQUISITIONS V , LLC to resolve but was unsuccessful in reaching them. On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX  ( copy attached ) stating that they are now attempting to collect debt owed to PCA ACQUISITIONS V , LLC, which is the same account in the payment arrangement I entered into with XXXX XXXX XXXX  XXXX XXXX XXXX is attempting to collect {$1700.00} from me for this debt. I do not understand why they misinformed me about the account being returned to PCA ACQUISITIONS V , LLC, why the final payment of {$350.00} was not withdrawn in accordance with the agreement, and why the payment arrangement was not honored if the companies merged and the debt remained with XXXX XXXX XXXX XXXX XXXX XXXX XXXX clearly has a record of the XXXX payments that I made to XXXX since the amount of those payments is reflected on the communication they sent to me. I absolutely dispute owing {$1700.00} to XXXX. I will pay the final payment of {$350.00} as per the terms of the original payment arrangement entered into with Frontline Asset Strategies to fully and finally resolve this debt.
Consumer complaint received 2024-05-30
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc. (CA)

I spoke to the person who called me from the hospital letting me know I owed money from when I was in the hospital about 2 years ago in which I proceeded to tell him I have not received a bill he said to keep a look out for it because it was not sent long ago or I might get sent to collection if I dont pay. He did not tell me when it was due so I assumed not yet since hes telling me to keep a look out for it. The call took place Monday XX/XX/XXXX. I received the bill Wednesday XX/XX/XXXX. I also received a letter from collection Wednesday XX/XX/XXXX. Why was I sent to collection 2 days after he told me to look out for my bill. Makes no sense. He could have told me to pay over the phone or that I was already sent to collection.
Consumer complaint received 2021-12-05
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: Experian Information Solutions Inc. (FL)

My consumer report contains private information that is prohibited by law, which include my credit utilization and or late payment history USC 1681 ( A ) 2-states reports containing information solely as to transactions or experiences between the consumer and person making the report. 

USC 1681 ( b ) outlines the definition of person which states any individual partnership, corporation, trust, estate, cooperative association, governmental subdivision or agency or other entity USC 1681 ( A ) c outlines whom the person is
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX has reinserted 3 accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) that were previously deleted and didn't notify me after years that the accounts were being placed back on my credit report.The XXXX XXXX XXXX XXXX XXXX accounts were reinserted earlier in the year and the XXXX XXXX XXXX account was reinserted in XX/XX/2019. XXXX  was required to advise me that the accounts were being reinserted but never did. XXXX has repeatedly done this over the years and I have submitted several requests to remedy this situation.
Consumer complaint received 2021-04-04
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. (TN)

I had a loan through XXXX XXXX XXXX taken out by someone who was not me! Accounts can be check I never received this loan my identity was stolen to apply for this loan.
Consumer complaint received 2019-08-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc. (CA)

Experian has some " Experian Boost '' service that tracks bill payments made through bank accounts. They say this can improve credit score. The morons over there failed to realize that there are bimonthly utilities charges in some areas of the world, and this service of theirs believes these payments to be late because they're not on monthly bill schedules. This has tanked my credit score.
Consumer complaint received 2019-08-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC (AL)

I agreed to pay {$420.00} to National Credit Adjusters ( NCA ) who were representing XXXX XXXX. I agreed to make 3 payments of {$190.00} beginning XX/XX/19. I made an on time online payment on XX/XX/19 of {$190.00}, confirmation number XXXX. I made an on time online payment of {$190.00} on XX/XX/19 on XX/XX/19, confirmation number XXXX. However, NCA reported my payment as missed or late to XXXX credit reporting agency and my credit score plummeted more than 60 points. I filed a dispute with XXXX and they later wrote and told me that the creditor said it was correct. It is a flat out lie. I dont  know why NCA is trying to ruin my credit after I have agreed to their payment schedule and followed it to the letter. I will provide my bank statements to you as further proof. I would appreciate your further investigation of this matter. I will make the final payment of {$190.00} before or on XX/XX/19 as scheduled.
Consumer complaint received 2018-10-10
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Orion Portfolio Services, LLC (DE)

I was notified XXXX XXXX XXXX ( XXXX ) on XX/XX/2018 regarding an alleged debt on behalf of Orion Portfolio Services , LLC ( see attached ). At that time, I contacted XXXX via phone and written correspondence ( see attached ) stating that I have reason to believe I am not responsible for the debt that is being attempted to collect. I received a letter back from XXXX dated XX/XX/2018 ( see attached ) stating they are not currently handling the debt. XXXX, also, stated that if any information had been reported, they will request that the information be deleted. I spoke to XXXX on XX/XX/2018. At that time, XXXX stated that they closed the account and sent it back to Orion Portfolio Services , LLC ( " Orion '' ). 
I pulled my credit report on XX/XX/2018, and it reflected XXXX XXXX as a creditor on behalf of XXXX ( see attached ). The date reflected on the credit report was XX/XX/2018. XXXX XXXX XXXX has the same address as XXXX. 
I contacted XXXX XXXX XXXX via certified mail on XX/XX/2018, and I copied XXXX Dispute Resolution and Orion Portfolio Services , LLC ( see attached ). In this correspondence, I requested information verifying the debt. 
I received a correspondence from XXXX dated XX/XX/2018 ( see attached ). In this letter, XXXX states that the account was transferred to Orion Portfolio, and I needed to contact XXXX XXXX XXXX XXXX to discuss the account. The number listed on the correspondence is for XXXX XXXX XXXX. 
I received a correspondence dated XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) ( see attached ). In this letter, XXXX states they are collecting a debt on behalf of Orion.
Consumer complaint received 2019-08-25
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. (GA)

Between XX/XX/XXXX-XX/XX/XXXXof this year, an account from XXXX XXXX appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to XXXX XXXX to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. XXXX XXXX refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.
Consumer complaint received 2018-04-11
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: Nationwide Credit Corporation (IA)

1. ) These accounts, opened in XX/XX/XXXXand XX/XX/XXXX, commits itself to a pattern of fraud that took place within a specific period of time as is evidenced by all subsequent accounts. More specifically, a XX/XX/XXXX thruXX/XX/XXXXtimeframe.

2 ) The address provided to and reported by XXXX XXXX XXXX XXXX is one that XXXX XXXX  has never lived at, in a State in which he has never been a resident.

3 ) Further, based upon the published requirements for membership to this credit union, XXXX XXXX  would have been ineligible for legal membership or services due to : 1 ) The fact he was living abroad when these accounts were opened and utilized. ( Figure A ) 2 ) In conjunction with Item 1, XXXX XXXX status as an Iowa resident ( verified thru any and all identification documents which he has possessed that are valid and legal, would have made him legally ineligible for membership.

4 ) XXXX XXXX XXXX XXXX failed to respond in any measure to the Cease and Desist notice registered with the Civil Court of XXXX County Iowa inXX/XX/XXXX, which demanded that the aforementioned company immediately cease identifying this account with our client. That document detailed the failure of XXXX XXXX XXXX XXXX  to comply with : 31 CFR, Part 1020, Rules for Banks, Subpart D 1020.410Records to be made and retained by banks and Opening Account Procedures.

The United States Fair Credit Reporting Act, 15 U.S.C. 1681, 611 The Fair Debt Collection Practices Act, 15 U.S.C.1692 It is because of these facts, and the documentation, provided which proves that these two accounts were in no way a result of any application of our client, nor did he benefit from it in any way, that we ask that your organization immediately delete and/or block the reporting of this trade line.
Consumer complaint received 2020-12-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown 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 disputes.
Consumer complaint received 2019-08-25
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. (GA)

Between XX/XX/XXXX-XX/XX/XXXX of this year, an account from XXXX XXXX appeared on my Credit Report saying I am a co-signer on a Business Loan for XXXX XXXX XXXX. This Business is non existent. I am not affiliated with this company. I reached out to XXXX XXXX to get further information about this debt to see loan documents/and or Validation to see why this suddenly appeared on my credit. I have never made any payments to this company, but someone has been who I do not know. XXXX XXXX refuse to give me information and referred me to speak to XXXX XXXX XXXX, a debt collection company. I reached out to them, and they can not validate the debt either, or give me information pertaining to the loan. I am a victim of fraud and I need this removed from my credit immediately.
Consumer complaint received 2019-08-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I've been trying to close my 360 checking for like a year I opened it over a year i half ago well something was put in my account by a friend I did tell them my friend had did it but it never was even accepted, a check that is. They rejected it cause he altered it by putting my name on it but it never deposited it even went thru. They had my account locked cause of a check if my friends was out into my account. Bottom line is they said I have to verify every other check I out in. I'm like XXXX well they won't close my account and I can't withdraw the money but phone automated says funds available are what the balance is XXXX well they refuse to talk to me I call they send me to voicemail or it jhangs up I just want my money n the account closed it's been sitting there for a year already or more cleared not return n they won't close it.
Consumer complaint received 2021-12-05
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY (NY)

In 2005, I was victimized by Wells Fargo specifically their predatory lending practices. 
What you need to be reminded of : -they took advantage of my dream for home ownership the American dream. 
-they concocted an illegal home loan that violated over traditional funding practices which included the over valuation of the property : -they ignored my debt to income and loan to value ratio. 
-levied unfair terms, by taking advantage of my inadequate understanding of loan terms and conditions. 
-Wells Fargo underwriters were confident that this loan would default and they would end up repossessing/foreclosing the home and recoup any losses with mortage insurance and the tax payer bailout. 
-they destroyed my family, my finances, took 10 years of mortgage payments : {$530000.00}. The house was listed and purchased at : {$390000.00}, Ignoring all appraisals. 
-I am XXXX XXXX XXXX XXXX -The property was recently resold. 
-my down payment, interest payments, principal payments, equity, all gone. 

they payid a XXXX dollar fine to XXXX knows who, and my family is still in ruins. 
How can they make me whole? 
Where is my relief? 
How can I start over? 
Where do I apply for relief?