davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-12
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Apothaker & Associates, PC (PA)

the complaint against " Apothaker Scian P. C. '' was not if I owed a debt to XXXX. It was not about if XXXX, who they claim to get my debt account from was owed. A complaint was filed due to this company being believed to have falsely gotten & purchased even requested my personal account from XXXX out of retoliation ... I suspect that " Apothaker Scian P. C. '' may have allegelly, got representatives or whomever from XXXX to turn over my account to hem rather as they stated that it was sent to them for XXXX. Again, since when does XXXX take a college student to court for a {$900.00} charge even with interest as little as totaling {$1000.00}? This is unheard of. Not that I wouldn ; t agree to pay or haven't been paying, but, this would have just been put on my credit report. 
So, again, my complaint is to find out if XXXX sent this account I owed to this Apothaker that I owed to XXXX ONLY, or if it was requested. Also, if so, does the legal dept. or XXXX XXXX even know about the hearing they filed for me to attend. Why would XXXX use an attorney from NJ where my mother and me, Miss XXXX XXXX have been having so much politics come against us? How did they get the account. Please, do not take their word for it.
Consumer complaint received 2023-10-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (TX)

This company hit my credit report with a collections on XX/XX/XXXX. They did this without ever talking to me directly and verifying who I am, and they did this without validating and proving the debt as mine. They say I owe {$570.00} to XXXX XXXX because apparently I opened an account XX/XX/2023 ( that's what they put on my credit report ) even though I've been using XXXX XXXXXXXX XXXX for over a year. Why would I open a second electricity account when my first one has always been in good standing? This account is either 1. ) not mine or 2. ) reported with inaccurate or incorrect information.
Consumer complaint received 2019-04-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (NJ)

There are a number of Fraudulent charges on my bank account, that I did not know about nor authorized. XXXX XXXX, never had my consent to charge my account. XXXX XXXX for {$15.00} fraudulent, XXXX {$73.00} fraudulent, XXXX XXXX {$400.00} fraudulent, XXXX XXXX Fraudulent, XXXX XXXX XXXX {$30.00} fraudulent, XXXX XXXX XXXX {$21.00} fraudulent, withdraw for {$300.00} XXXX XXXX XXXX fraudulent.
Consumer complaint received 2019-04-01
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Fairway Independent Mortgage Corporation (MO)

I bought a house on XX/XX/19 with a 1st mortgage through Fairway Independent Mortgage company and 2nd mortgage with a XXXX  XXXX XXXX first time homebuyer grant about $ XXXX. ( Fairway Mortgage Co. arranged for this grant ) I am trying to refinance my mortgage and know that by doing so I need to payback the grant. As there is a 2nd lien on the house for this grant amount, the new lender needs a payoff statement from Fairway mortgage as to the amount and where to make the payment to pay it off. I have talked to the XXXX  XXXX XXXX who has told me I need to get this information from Fairway Mortgage since they have not sold the loan. I have asked Fairway where I can send a payment to pay this off and can not get an answer. 

I have been trying numerous times via email and phone to get this payoff information, but have been told by Fairway that either they don't know how I can pay it off or that I need to go through the XXXX   XXXX XXXX. 

I am stuck and do not know where else to turn at this point. 

Thank you for any help you can provide me.
Consumer complaint received 2019-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX reported on behalf of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Dates : XX/XX/2016 XX/XX/2016 XX/XX/2016 and ... 
Transunion LLC reported on behalf of : XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX this information is false. Please have it removed.
Consumer complaint received 2019-04-01
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)

On XXXX XXXX I receive a letter from Eqquifax with my incorrect address XXXX XXXX   XXXX XXXX, Ca,XXXX in which XXXX XXXX is closed and Equifax has my new mailing address on their data. 

Equifax is sharing my private information to Equifax in XXXX in which I don't live in XXXX.This is a violation of Federal Laws in United States. Why is Equifax sharing my private information to XXXX and ruining my credit with Derogatory remarks and unauthorize inquiries. 

On XXXX XXXX XXXX credit reporting agency has placed the derogatory remarks of lates payments of XXXX and XXXX in which XXXX has deleted the derogatory remarks on XXXX XXXX. 
XXXX and XXXX has communicated with each other in placing the derogatory remarks back on my credit report with XXXX. 
This is a Retaliation and Discrimination againstt me as a XXXX XXXX XXXX and US Military Veteran and my XXXX XXXX. 
XXXX, Equifax, XXXX and XXXX XXXX XXXX has violated my XXXX XXXX Civil Rights Act under Department of Justice. 

I am XXXX XXXX, XXXX  and a US XXXX XXXX Military Veteran.
Consumer complaint received 2019-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC (TX)

Aldous & Associates, XXXX XXXX XXXX, XXXX, UT XXXX, XXXX - collecting on behalf of XXXX XXXX XXXX stated that they would put a debt not owed on my credit bureau if I did not pay {$130.00}. I stated that I was a member of XXXX XXXX for over 3 years and that I finally cancelled my membership in writing at the gym. 

The gentlemen at Aldous stated that I needed to " fill out the correct cancellation forms '' and I said that the contract only called for cancellation in writing, which I effectuated at the gym in person. 

The gentlemen was insistent that I had not filled out the right forms and that the debt was owed. I explained that I am a lawyer and that his understanding of the law and of the contractual provisions are mistaken. 

He was very courteous and professional in our conversation but he misunderstands the law on this matter. 

I am filing this complaint in order to discontinue the collections efforts and because I do not wish this matter to affect my credit, as he mentioned.
Consumer complaint received 2022-05-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pressler & Pressler, LLP (NJ)

Pressler & Pressler has been told repeatedly that this is fraudulent debt. They even have a fake address on file from their creditor XXXX XXXX. Despite being told repeatedly, they continue to use bullying tactics, ignoring that it has been reported to both Them and XXXX XXXX as fraudulent. They have no records of the card being opened or who opened it, which would prove that it is fraudulent. 

They consistently have to 'check information ' then don't call back. Today I spoke with XXXX XXXX who didn't even know their License # for debt collector and indicated he was representing the attorney 's office not the debt collector. XXXX refused to provide the information needed on the affidavit of fraud and refused to send it to his work address as per request. He also refused to provide the same affidavit information electronically or by fax. 
He asked for an affidavit but refused to provide the information needed to clear the debt. 

They claim they responded to a former complaint to CFPB on XX/XX/XXXX but they refuse to indicate what their response is to the fraudulent debt charge.
Consumer complaint received 2019-04-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO. (FL)

I am a victim of the government  shutdown and can not make any payments at this time. I wish to defer payments for at least six months so I can recover. 

All my credit card companies insist on some sort of minimum payment which I can not make and will not work with me. 

All companies were contacted in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and are constantly calling.
Consumer complaint received 2018-08-29
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. (TX)

All three credit reporting agency show hard inquiries I didnt apply for and they said they dont care I said its Identity theft and here 's the report they said they wont accept it I have proof from XXXX From them my information was compromised in the data breach they said they dont care. I have a id theft report they refused to use I mailed it to them they opened it then returned it saying the will not except this id theft report and all three credit reporting agencies have been sent these reports before 5 times, and they didnt care and there is more then the hard inquiries I my form that are on report due to id theft. 
And here is the proof of the if theft report you requested again for the 4 time everything on this complaint shows proof of identity you requested
Consumer complaint received 2019-04-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2019 I sent {$700.00} through quick pay to a person I thought was my boyfriend since it was under his name however, he never received the money. I notice that the number under his name was an old number of his. Immediately, I called the person to return my money but she refuse to do so. I called chase within that very second and told them the situation. They told me that they could not reserve that transaction so I had to file a claim and wait 10 days. In the process the women was able to cancel my {$1.00} transfer easily. Today, has been 10 days and when I called chase for an update they told me that it is still under investigation that I had to wait until XX/XX/XXXX. However, the person assisting me said that if the person has spend my money then I can no longer receive it back. Out of anger and sadness I attempted to called the person and she was laughing hysterically at me I over heard her talking in Spanish to a man stating no I will not give her money back I am going to give it to you. I am just afraid that when XX/XX/XXXX does come I will not receive my money back.
Consumer complaint received 2019-04-01
Product: Credit card or prepaid 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 (NY)

I received a credit card with a limit of XXXX XXXX XXXX XXXX dollars in XXXX of XXXX. XXXX  XXXX XXXX took the XXXX XXXX XXXX XXXX dollars. I complained to Synchrony Bank the issuer of the credit card. I complained that XXXX XXXX took the funds without my permission. XXXX XXXX paid the activation fee for the credit card and took the funds.I had an agreement with XXXX XXXX to finish the basement. Yet, they did not finish the basement. 
I complained to Synchrony Bank. They said they would investigate my claim. In XXXX of XXXX, Synchrony Bank wrote me. They stated I would have to pay the XXXX XXXX XXXX back because I benefited from the use of the card. I wrote them and asked them how did I benefit, in what way?? I have a right to know .I did not get the XXXX XXXX XXXX XXXX dollars nor did I get the work I requested done, so how did I benefit. They told me to pay the XXXX XXXX XXXX XXXX dollars and ask XXXX XXXX XXXX for a refund .Imagine that. 
Wouldnt a honest merchant be happy to state the services or materials provided.Yet, XXXX XXXX XXXX took XXXX XXXX XXXX XXXX dollars and refuse to say why. Why should I pay for what I did not receive???
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I have been paying child support for years and my account has been reflecting that I am not paying my child support. I pay my child support directly at the XXXX Parrish Juvenile Court house each pay date and The State of Louisiana Department of Children and Family Services, reports on my credit  report that no payments have been made. This has been going on years now and has caused me major financial hardship. I have been unable to get a fair credit card, get a drivers license or purchase a home. Because they are reporting that I am not making my payments. I have contacted the parties involved for years now and they are unwilling to help correct the matter. I have attached my last 54 payments and I also have the receipts for the current month as well. These receipts come directly from the court clery. 

I have exhausted all avenues trying to get assistance with this matter and in my research, I found that it is my right by law to have this account, completely deleted from my credit report and never to be reported again, due to the errors in the reporting of this account. This legal right is granted by the FCRA and I would like to enforce this right as I have been harmed for years now, with no assistance is correcting this matter. 

I attached my last few payment receipts, I have last months receipts as well as the last 54 payments, I tried to attach them but your system won't allow me attach the file because it was over 10 MB. So I just attached a few, but can provide all of them for you, without a problem.
Consumer complaint received 2019-04-01
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A. (MD)

They are calling every 3 hours. I have an app that says its Citibank robocall. I dont have a Citibank account. They have called 3 times today since XXXX XXXX. They also called several times last week
Consumer complaint received 2019-02-02
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (FL)

In XX/XX/2003 XXXX offered my ex husband and i a joint loan. We signed it. Nelnet nor the florida department of education nor XXXX XXXX  will split the loan in half as the divorce states we pay each half. I am at the whim of the borrower, my ex husband, who for 4 years hasnt wanted to pay the loan. Nelnet stated to consolidate it. its not a true consolidation ... ..i will still remain at the whim of my ex husband. Lawyers cant help me either. Lawyers have never heard of this type of arranged loan. The lenders dont make these loans anymore either. Our credit is terrible and we cant get private loans at this time to seperate it. We cant pay to the principle either ... even though they tell u on the telephone u can. Its all lies.
Consumer complaint received 2024-02-09
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. (FL)

Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove these items which are found to be opened due to identity theft. The dispute inquiries and information do not belong to me. Im attaching the required FTC Report # XXXX for you. Please remove these items. If you feel there is a possibility these inquiries and information belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each of the items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Please remove the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2019-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have contacted to Credit Reporting Agencies and provided them Full Police Report as well as FTC report regarding the fraudulent Bankruptcy that showing on my credit report but they still do not investigate the dispute which is considered as breaking the FCRA on their end, Plz help me to make them to obey the law. Thank You
Consumer complaint received 2019-04-01
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)

I sent in the proper documents and the still didn't delete the accounts that I have on there. 


XX/XX/XXXX {$3900.00}, {$3800.00} XX/XX/XXXX XX/XX/XXXX {$17000.00} XX/XX/XXXX XX/XX/XXXX {$5900.00} XX/XX/XXXX {$15000.00} XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-08-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Ameritech Financial (PA)

I was contacted by Ameritech in XX/XX/XXXX. They explained that they were affiliated with the federal government relief program for people who are struggling to repay their student loans. They continued to state that I could pay a lower payment for a specific amount of time and my debt would be relieved by the government. Ameritech sent paperwork giving them permission to communicate with my loan lender XXXX, my income, household size, and the terms of my loan. They clearly stated, that the money would go toward my student loan. Ameritech set up an automatic payment from my bank account on the XXXX of each month for the past 27 months. When I contacted XXXX they discussed with me that they had NOT received any of my monthly payments. The payment of $ XXXX/month that I was led to believe was being received to my loan provider XXXX was not the case. When I contacted Ameritech after receiving a letter from the trade commissioner they revealed that in fact, the money I was paying was for their services and not my student loan. At that point, I contacted and closed my " account '' with Ameritech. I also spoke to XXXX and changed all of my contact information as such to eliminate any more wrong doings with my student loan so Ameritech would no longer be able to access my account. I payed Ameritech for 27 months totaling {$2700.00}. XXXX did not receive any payments toward my student loan from XX/XX/XXXX through XX/XX/XXXX. I feel that I was deceived by Ameritech and I would like restitution for the money I paid them.
Consumer complaint received 2021-07-06
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: EQUIFAX, INC. (CA)

XXXX XXXX XXXX Inquiry XXXX XXXX. I've called and informed them that i did not applied for a car with them and that the inquiry most be remove.They check an said they have no record of me in their system. I've since contact transunion an let them know but the Inquiry is still on my credit report
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/XXXX, my XXXX account charged Pay Pal {$7.00} for a one month 's subscription. On XX/XX/XXXX I checked my Paypal online and saw two charges for {$7.00} dated XX/XX/XXXX. I called XXXX and they told me they had only charged my account {$7.00} for one month. Which I verified online. On XX/XX/XXXX I called Paypal. They said it was a statement error and they would fix it. I subsequently call Paypal on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was told to submit a dispute resolution. On XX/XX/XXXX I submitted a dispute resolution on the Paypal system, but the system didn't really allow for an adequate description of my problem. On XX/XX/XXXX, I received an email from XXXX telling me they were cancelling my subscription and Paypal online showed a reversal of the {$7.00} charge, as did my XXXX account. This occurred because paypal sent my dispute to XXXX. 
Nevertheless, the second charge for {$7.00} still showed on my on line Paypal statement. It was not a XXXX charge and I felt paypal was in error. I tried to resolve it with Paypal with calls on XX/XX/XXXX and XX/XX/XXXX. Very frustrating, since I feel that the customer people are tone deaf and can't seem to reconcile or look at activity on statements and what they call PayPal credit. On XX/XX/XXXX I sent a letter to PayPal Billing Disputes and Correspondence, but when they replied, they don't seem to understand the problem. On my letter I specifically asked for copies of the two billings for {$7.00} from XXXX so that I could go back and discuss the issue with XXXX. Paypal did not provide the requested information I needed to follow up with XXXX. They said on a written response dated XX/XX/XXXX that they have resolved the issue, since XXXX credited back the {$7.00}, but that I still owned {$7.00} plus fees and interest. They fail to understand the problem and they fail to provide me with the evidence I requested.
Consumer complaint received 2024-02-09
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.