davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-03-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AL)

Although my credit report correctly reflects payments made on time for each month within my credit file, Equifax continues to report a negative payment status and negative worst delinquency of 30 days past due for XXXX XXXX XXXX Acct # : # XXXX. I am not sure if Equifax has somehow merged my information with someone with a similar name or birthdate that also happens to have an account with XXXX XXXX XXXX, but the negative payment status and negative worst delinquency information that continue to be reported by Equifax are erroneous and damaging to my credit scores. When this account was open, payments were always made on time. This account has never been paid late and I have requested on multiple occasions ( in writing ) that Equifax make the necessary corrections to their records, with no resolution. This erroneously negative information has caused far-reaching consequences to my credit scores as it pertains to credit that has been extended to me or oftentimes denied.
Consumer complaint received 2018-09-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Strategic Alliances, Inc. (GA)

Early last week on XX/XX/XXXX I received a summons for a law suit that has been filed against me. I called the number on the summons and it stated that I owed a debt from XXXX, in the amount of XXXX. I reached out to the number on the letter and advised them that I have not received any information on this " alleged debt ''. I am responding to this law suit as sufficient information has not been provided as I have requested. 

On XX/XX/XXXX I sent an email to XXXX XXXX XXXX XXXX about this debt asking for verification and validation and prescribed by law because as I stated before I have not received any. 

In addition to this I see an additional entry on my credit file for this same debt. 

This is a clear violation of FDCPA and the Frank Dobbs act in addition to the UCC. 

This is not only " reaging '' of old debt, but this is also a violation of communication because I have not received any mail to such claim. 

Section 1036 of the Frank Dodd act of 2011 prohibits covered persons and service providers from engaging in unfair deceptive or abusive acts or practices. This act also prohibits abusive practices. This is a an abusive business practice and deceptive. The state attorney general can also sue your company for unfair and deceptive practices. 

Deceptive practices are defined as a representation omission or a practice that is likely to mislead a consumer acting reasonably under the circumstances. 



Legal and unfair practice is any or all practices that causes or is likely to cause injury to consumers where the injury can not be avoided by the consumer. This is unauthorized billing that caused substantial injury. 



To measure unfairness, An legal assessment of an Unfairness test requires weighing cost and benefits of business practice. This particular practice resulted in substantial injury to my person. The cost outweighs the benefit and that is what legally makes this practice unfair. I do not have any legally binding contract with. Therefore your inaccurate and invalid entry on my credit is considered material to my decision making in terms of all credit related purchases I am being penalized twice for a debt that is not only unverified but also is not valid. 

Once again this is against the law. 

I demand that XXXX XXXX XXXX XXXX remove this erroneous, inaccurate, unverified information from my credit file. 

I am handling the law suit separately and I plan on pursing that issue and seeking all damages under the FDCPA as I can get and will also publish this information where appropriate. 

Please see attached that has already been sent further asking for verification, which to this date has been unanswered. 


Sincerely, XXXX XXXX Without Prejudice UCC 1-207/1-308
Consumer complaint received 2019-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (MD)

Both the XXXX XXXX XXXX XXXX and my student loan servicer, Nelnet, recognized my current, legal name for one year, but Nelnet now has decided to revert to my former legal name. The XXXX XXXX XXXX XXXX still recognizes my current, legal name. Nelnet refuses to explain why they called me my current, legal name for one year. Nelnet now says they will require me to produce legal documentation of a name change, which I had already provided in the past to update my account the first time. For Nelnet to require me to provide documentation of a name change a second time would be an undue burden to me. I legally changed my name in XX/XX/XXXX. In XX/XX/XXXX I updated my name with the XXXX XXXX XXXX XXXX. I can't find in my records the exact date Nelnet updated their records, but the oldest email I can find from Nelnet with the updated name is from XX/XX/XXXX. Nelnet 's records continued to show the correct, updated name for one year. On XX/XX/XXXX, I logged in to my Nelnet account online, and I noticed there had been an unauthorized change to the name on my account, which now shows my former legal name. On XX/XX/XXXX, I submitted online to Nelnet a letter requesting a written response to the unauthorized change to the name on my account. On XX/XX/XXXX, I called Nelnet by phone and spoke to XXXX, who said that I would not be receiving a written reply to my XX/XX/XXXX letter to Nelnet, that Nelnet would not undo the unauthorized change of the name on my account to my former legal name, and then XXXX sent me an email for documentation needed to confirm your name change. On XX/XX/XXXX, I submitted a case with the XXXX XXXX XXXX XXXX   Federal Student Aid feedback system. On XX/XX/XXXX, XXXX  from Nelnet responded to my Federal Student Aid case requesting additional documentation of a name change. On XX/XX/XXXX, XXXX from the Federal Student Aid 's Business Operations Escalated Issues team also requested additional documentation of a name change. Finally, on XX/XX/XXXX, XXXX with the Federal Student Aid Ombudsman Group emailed " the initial change was done electronically. However, in order for ED-Nelnet to complete a permanent system change ; you will need to provide them with a copy of your driver 's license, social security card and/or birth certificate. ''
Consumer complaint received 2019-03-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY (CT)

My checking account with TD Bank has been closed and I need statements from the entire period it was open until closing, It was opened in XXXX of XXXX, closed sometime in XXXX or XXXX. These statements are needed for legal purposes. A request was made prior, nothing received.
Consumer complaint received 2022-03-08
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. (DC)

Transunion has ignored my request to delete inaccurate information from my consumer report. I am consumer by law and my request to delete the inaccurate information has been ignored by Transunion. They have violated several consumer laws against me. And has caused me financial hardship, by reporting inaccurate information.
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CONTRACT CALLERS INC (TX)

CONTRACT CALLERS INC ARE RIDICULOUS! AND ARE REPORTING INACCURATE INFORMATION AND FRAUDULENT INFORMATION ON MY CREDIT REPORT. THEY ARE VIOLATING THE FAIR DEBT COLLECTIONS PRACTICES ACT AND THIS IS MY ONLY WARNING! I RECENTLY JUST CHECKED MY CREDIT FILE AND SAW A NUMBER OF FRAUDULENT ACCOUNTS THAT I HAVE NO KNOWLEDGE OF! FOR SOME REASON I CAN'T GET THEM ON THE PHONE TO SAVE MY LIFE! I ASK THAT THIS COMPANY CEASE AND DESIST ALL COLLECTION ATTEMPTS AT THIS TIME I AM GOING THROUGH A CRISIS BECAUSE MY INFORMATION HAS BEEN STOLEN AND THIS IS A FRAUDULENT ACCOUNT! I HAVE ALREADY NOTIFIED THE IRS, TEXAS ATTORNEY GENERAL, CONSUMER AFFAIRS, AND ALSO I AM NOTIFYING YOU AGAIN TO CEASE AND DESIST ALL COLLECTION EFFORTS!
Consumer complaint received 2019-03-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Financial Accounts Service Team Inc. (OK)

In XX/XX/XXXX I contacted Consumer financial services at ( XXXX ) XXXX after being asked my name, ect. I told the woman that I noticed a collection on my report I didn't recognize after I talked to XXXX  the day before. She tried to tell me it was from cable/internet bill from XXXX at an address I didn't live at. When I told her that, she started to get louder and told me that " it was obviously my bill since they had my social security number ''. I told her that I had several accounts opened fraudulently when I was in the hospital and that this was not my bill. She then said I can submit my proof in writing but until it's resolved they with continue to report the bad debt against my credit. Then she hung up on me. 
FIN ACCTS SV Past Due : $ XXXX Chargeoff Original creditor XXXX XXXX   XXXX
Consumer complaint received 2019-01-08
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: LCO Financial Services, LLC (IL)

I came into a financial situation and was no longer able to pay my loan. I tried to email and set up a plan in writing and have heard nothing. I tried to go on line and see the terms of my agreement and they are no longer available. I know for a small loan the amount is outrageous that I have to pay and now having a situation that is beyond my control and no communication with them to solve the situation.
Consumer complaint received 2018-09-13
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP (FL)

This complaint involves the Key Bank organization.Specifically the collections department and an employee Supervisor by the name of XXXX. The circumstances are of a very cruel and vindictive nature. The origin of our calamity begins with the XXXX of our XXXX. My wife discovered our XXXX and now is no longer employed due to full blown XXXX.She applied for Social Security Disability and was awarded SSDI. It took many months and had an award date to accompany a direct deposit into our Key bank checking account. This deposit was for XX/XX/2018. On the XX/XX/XXXX my wife and I contacted Key bank to make sure everything was in order. We were assured everything was in order.On the day of the XXXX we were not able to obtain the funds from the ATM.Call to the customer service # for the Key Bank organization stated that the money was deposited. We then proceeded to speak with customer service of which we were told that our checking account had been closed in XXXX due to a XXXX overdraft fee and no activity for a certain amount of time. We then asked why was the money deposited into a closed checking account and why were we not informed on the XX/XX/2018 that the checking account was closed. Additionally we informed the customer service representative that the money came from Social Security and those funds are not applicable to collection or confiscation. We then requested to speak to the Supervisor. Her name is XXXX in the collections department. She informed us that the money would be sent back to Social Security of which should had taken place in the 1st place. All this communication took place on the XX/XX/2018. Furthermore I would like to add that neither myself or my wife are working and are in severe mourning and grief along with being severely financially strained. Well after 3 weeks we wondered where the funds were so we contacted Social Security and they stated that no money was returned. We were livid. So we then contacted the Key Bank organization.Specifically XXXX. She informed us that there was a technical issue and that was the reason for the money being witheld. To this date we still do not have our Social Security funds. Key bank did this purposefully.
Consumer complaint received 2021-12-28
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc. (TN)

On XXXX I received a notice in the mail from NCB Management services stating that it was an attempt to collect a debt. The letter also had a logo and/or symbol on it. Pursuant to 15 USC 1692b ( 5 ) - Acquisition of location information which states : Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. That is a XXXX $ violation pursuant to 15 USC 1692k -Civil Liability. This letter also stated that they have different payment options for me to pay them. This is misleading because I never validated the debt. This is a violation of 15 USC 1692e-False and misleading representations which states : A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. I have proof of this document attached. this company is also communicating with me indirectly through other companies such as credit reporting agencies after I sent them a cease and desist this is a violation of 15 USC 1692c ( C ) ceasing communication which states If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt
Consumer complaint received 2020-12-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.
Consumer complaint received 2019-01-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

This is an update to the claim where the bank reversed a credit of XXXX TWO times and they were wrong and did it in error and now recently sent me an email claiming they will give it back but have yet to give it back. I have made 0 purchases as a result and they never issued the the money back yet claimed they have by email. Please have a President Vice President or CEO contact me and oversee the process where it is Actually, given back to me and not just stated that it will be given back to me. They have my account in the negative because they never gave it back after claiming they would give it back. Please stop them from stealing from me and messing up my account ledger.
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Performance Settlement, LLC (NC)

I contracted with Performance Settlement, a Debt Relief Services company, to negotiate with my credit card companies and personal loan companies to settle my accounts for lower amounts. However, over the span of 2+ years, I paid them over {$7000.00} and Performance Settlement has not settled any of my account. They send me letters telling me the accounts were settled, however, when I contacted the companies all 4 said they had not received the payments as Performance Settlement informed me. In one case, PS debited my account {$640.00}. and paid into someone's account. All documentation is attached. Initially, I attempted to resolved the issue directly with PS. All I received was 'stonewalling ''. Then on XX/XX/XXXX, I contacted the XXXX. PS gave a feeble, inaccurate reply, which I countered every point. Although, PS is an active member of the XXXX and is required to reply to consumer complaints, the XXXX   has not been able to get another reply from Performance Settlement. The XXXX   referred me to you for assistance. Their website offers a 'money back guarantee ' if one is not happy with their services. PS should stop operating a sham and return my money. {$7000.00} is a lot of money to waste if someone is trying to get out of debt like myself.
Consumer complaint received 2018-09-13
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. (FL)

I have several inaccuracies on my credit report. Including closed accounts reporting that I was delinquent in payment and others saying that I owe them money from years ago. 

I also have some hard inquiries on my credit report that I did not authorize as well : - XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXXXXXX XXXX XXXX - Inquired on XX/XX/XXXX - XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX = Inquired on XX/XX/XXXX - XXXX XXXX = Inquired on XX/XX/XXXX I don't know what the heck is going on. I have no knowledge of these accounts, someone must have opened them using by falsifying my identity. 

I've called and tried to resolve the issue but I have had no luck.
Consumer complaint received 2018-09-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IN)

Portfolio Recovery calls from various numbers throughout the country every day. They never leave a message and when I do pick up they hang up. I filed bankruptcy a few years ago and now I dont owe any debt or have any current debt, so I dont know why they are calling me
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc. (NV)

Im trying to buy a house. So I seen a debt from Aragon agency for XXXX  XXXX I called Aragon they said they had no debt for me I asked to get something in writing and they said they couldnt give it to me. I called XXXX XXXX and they said they didnt have any debt and that Im a good customer with them and why would I owe them when I have service with my home now. They couldnt give me anything in write either. Now I cant get my home loan because I cant get anything in writing from these companies.
Consumer complaint received 2018-09-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (PA)

Portfolio Recovery called me on XX/XX/XXXX18 at XXXXXXXX XXXX EST and on XX/XX/XXXX18 at XXXX XXXX EST. I've asked them to stop calling me at work. I do not own the phone number and I'm not allowed personal phone calls at work. The told the receptionist is was a business matter and it is not, its personal. I told them to send me what they are talking about in writing. They are trying to collect on a debt that is over 10 years ago.
Consumer complaint received 2020-07-29
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. (VA)

I have several credit inquiries I never authorized. I've disputed with the bureaus on several occasions and they refuse to assist me with getting them removed. The accounts are as follows XXXX XXXX XXXX   XXXX XXXX XXXX & XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX & XXXX XXXX XXXX  XXXX None of these were done by me or with my consent. I haven't shopped for a car or credit with any of these companies.
Consumer complaint received 2016-08-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

Ditech purchased our loan XXXX XXXX. All our payments have been timely and correct until XXXX error on our part in XXXX XXXX ( reversed XXXX digits in payment for XXXX, having paid {$2300.00} instead of {$2800.00} ), which we corrected in XXXX, paying the shortfall. Ditech has continued making errors and are grossly negligent and fraudulent in allocating our payments since that time. They now show we are 3 months behind when we have paid in full. 
We have communicated with them since XXXX/XXXX/XXXX with XXXX email message, XXXX phone call conversations and a written letter over the past 56 days and still have no resolution. We are appalled at the negligent handling of customer service issues by Ditech. We are concerned that their continued incompetent handling of their errors will affect our credit score and that Ditech will attempt to foreclose on our home based on their incorrect accounting of our payments. 
Please assist us in resolving this fiasco with Ditech. We have paid in full through XXXX XXXX ( XXXX payment being processed XXXX/XXXX/XXXX ).
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PENTAGON FEDERAL CREDIT UNION (NC)

For the last few months there has was not payment due there was all XXXX nor minimum payment all XXXX. I began making payments on my own in XX/XX/2018 for {$50.00} then another payment XXXX XXXX for {$41.00}. When I saw a payment due for {$17.00} for the end of this month on XX/XX/2018 I call and enquired. I was told I did not make a payment this month and that I had to pay. I was upset as each time I call I get a representative with a smart mouth. The representatives talk to me like I am XXXX as though I can not add or subtract and I by no means know what I am talking about. I have before tired of the insults. I have proof that I paid when I said I paid and I wish I would have captured a screen shot of the PenFed account page as further proof but it is long gone. ( see attached transfer to PenFed from XXXX ). 

In addition I believe PenFed owes me transfer fees for the transfers made to XXXX XXXX. There were several delays in transferring the money to pay off the high interest rate card and the INTEREST CONTINUED to ACCRUE for MONTHS, by the time the transfer was completed I had secured funds from another financial institution. I believe it is around {$430.00} PenFed owes me. I am positive there should be notation on this account regarding a three way conference call with XXXX about XX/XX/XXXX or XX/XX/2018. If not I am positive XXXX XXXX has this information. The delays in transfer cost me and it appearing this issue with this account is proof as to why there were disturbances within PenFed system. The last representative I spoke said you was behind. My thought is why should I be subjected to these frustrations because of PenFed system issues?