davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-24
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: Colony Brands, Inc. (TN)

Earlier this year I checked my credit profiles and noticed a Ginny 's credit card on there that was supposedly opened in XXXX. Ive never had a Ginny 's credit card. I don't even know what Ginny 's is. Ive mailed certified letters to them 3 times between XXXX and XXXX of XXXX and have not heard back from them ( I have proof of delivery all 3 times ). Ive spoken to 3 customer service reps. They are not even attempting to resolve this issue. They continue to give me the run around.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Navient Solutions, LLC. (TX)

Navient continues to report one of my two accounts with them as Pay Status : Account included in Bankruptcy and Remarks : Chapter 13 Bankruptcy. Both were included in a Bankruptcy almost 10 years ago. My understanding is that the information should have been removed after 7 years of being filed.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: CITIBANK, N.A. ()

I got a lot of unwanted calls marked as SCAM I got calls from numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-04-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P. (PA)

THE COMPANY IS ATTEMPTING TO COLLECT THE DEBT I BELIEVE I DO NOT OWE. THEY'RE FURNISHING INFORMATION TO MY CONSUMER REPORT IDENTIFIED AS IDENTITY THEFT AND NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2020-02-27
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)

My car was broken into a few years ago and my wallet, purse, and a few pair of shoes I had bought my son were stolen while i was in the gas station paying for gas and some snacks. I have noticed numerous accounts since then, especially medical accounts that have been opened in my name that I never authorized, or opened. 

With XXXX  I see the below accounts that are a result of fraud or identity theft XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : 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 ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX HOSPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX  XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX   XXXX XXXX ORIGINAL CREDITOR XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-07-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NJ)

This is the third company contacting me trying to collect this debt which was settled years ago with the originating company. The current debt collector is c alled Mercantile Adjustment Bureau. They  entered a claim with the credit bureau  on  XX/XX/XXXX  in t he amount of {$590.00}. The debt goes back farther than that and was in the amount of {$590.00}. It was already paid and settled.
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (FL)

I attend XXXX that became XXXX school over the course of the years. While attending another school my payments were never frozen due to being in school. I was accumulating interest and my late fees were being reported late on my credit report. My school credits were n't accredited credits. I 've called Navient and was misinformed about repayments options. I 've emailed Navient to informed them that my school is closed and no longer operating
Consumer complaint received 2020-02-27
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)

Identity fraud caused a lot of damage to my credit report. It occurred about 2 years ago. After contacting the XXXX  and credit bureaus I had those items removed. Currently I keep a monitoring on my credit report to protect from additional accounts misuse of my personal information. But as of late I have noticed quite few inquiries appearing on my credit. These items are not now or have ever been authorized by me. I would like these items investigated and removed from my reports.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2020-02-27
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EMCC Holdings, LLC (FL)

I pulled my credit and noticed that a company listed by the name of Equiant Financial Services. I have never had a Mortgage before nor did I do it with a joint person. 


The second company is XXXX XXXX. I have never heard of this company but they will never validate the debt as I have asked them to do because I never had an account with them.
Consumer complaint received 2020-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Phoenix Recovery Group (CA)

I was not able to pay the company because I was on the run from my then fiance who was abusive. He was very abusive  and I had to leave over night with our XXXX. I have not been able to pay anything because I am not working. This account was opened on XX/XX/2017, the amount owed is {$710.00}. I have a police report to show evidence. I also disputed this collection, however, I did not hear anything back.
Consumer complaint received 2020-02-27
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. (CA)

Identity fraud caused a lot of damage to my credit report. It occurred about 2 years ago. After contacting the FTC and credit bureaus I had those items removed. Currently I keep a monitoring on my credit report to protect from additional accounts misuse of my personal information. But as of late I have noticed quite few inquiries appearing on my credit. These items are not now or have ever been authorized by me. I would like these items investigated and removed from my reports.
Consumer complaint received 2020-02-27
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (CA)

I quit my lease because I was running away from an XXXX  ex fiance. I have not been able to keep a stable job due to having to pick up and leave every time he has found me. I can not afford to pay this current balance. The amount owed is {$2600.00}. I have a police report to support claims
Consumer complaint received 2017-08-23
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA (IL)

I was denied a savings account per email they had sent to me as of X/XX/2017 at my XXXX. 

They denied me a savings account they said due to not being able to verify my identity. The questions except for one pertained to me. The questions asked to verify me had nothing to do with me personally and were mortgage or debts or loan questions pertaining to my deceased relatives. 

I feel the questions were unfair as they had nothing to do with me and thus was denied a savings account with FNBO XXXX.
Consumer complaint received 2020-02-27
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP (MO)

I recently purchased a new vehicle. Unfortunately, my loan is through US Bank. I will be applying an extra {$170.00} to each monthly payment which totals {$1000.00} ; subsequently, paying off the vehicle earlier. I have only had two payments so far and both times the US Bank employee apparently can not figure out how to correctly apply my payment. This month it was applied as {$1000.00} making my XX/XX/2020 payment {$650.00} ( which is incorrect ). All they did was apply my extra ( principal amount ) and decreased my next monthly payment. How hard can this be to complete properly? I asked a representative to please add a note on my account so my loan be processed correctly. The representative even admitted to me the employee who entered the payment is just entering the amount in How they want. Can you help assist me with this matter so it isnt a long 6 years? Thanks.
Consumer complaint received 2020-02-27
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc. (TX)

I made a purchase at XXXX XXXX of Jewelry on XX/XX/XXXX. I elected to finance the purchase using their 12-month, no interest financing option. I was later sent a credit card and received information regarding my new account from Comenity Bank, who handles financing for XXXX. My balance was split into 12 semi-equal payments which were due by the XXXX of each month. I made all 12 payments for the amounts shown and by the due date I was given, with the final payment being on XX/XX/XXXX. After the final payment was made, I received a statement showing I had been charged {$350.00} accrued interest for failing to pay off the balance before the deadline. I then wrote a message to Comenity through their website to find out why I was being charged the interest since I had made all 12 payments as agreed. A representative wrote back saying the promotion actually expires 12 months from the date of purchase, not on the due date. I then called to get further explanation and was told that the billing cycle pushed the final payment due date past the promotional date and there was nothing they could do about the interest charged.
Consumer complaint received 2020-02-27
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: BARCLAYS BANK DELAWARE (TX)

Barclays Delaware Bank / The Luxury Card Billing inquiries / disputes Card Services XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Dear Sir or Madam : On XX/XX/XXXX, I was contacted by XXXX  XXXX XXXX by phone regarding a vacation package. The alleged XXXX representative advised me over the phone they were affiliated with a U.S. based chain hotel where I have stayed on occasions in the recent past. I am a XXXX+ year old male and am currently exercising XXXX XXXX XXXX  for various health reasons on the date of this transaction. 

I provided my Mastercard number in good faith as I believed XXXX  XXXX XXXX aka XXXX XXXX   was affiliated with my hotel of choice and therefore was a legitimate company. I disputed a charge of {$790.00} to my Luxury Mastercard on XX/XX/XXXX after not being able to reach the travel company and them not returning my e-mails. I provided Luxury Mastercard with evidence of a sales certificate written agreement via fax which I did not sign or date to activate with the travel company. 

I also did not sign the XXXX Credit Card Voucher emailed to me from allegedly XXXX, XXXX. On this date, I pulled up my Luxury Card account and observed that the charge of {$790.00}, which had been temporarily removed from my account pending investigation was re-applied to my account. 

I was not informed of this and have not received any written notification of this adverse action to date. I will be exercising my consumer rights by filing a formal complaint with the Consumer Financial Protection Bureau due to billing errors, as well as sending all evidence and related documents to my legal representatives, XXXX XXXX XXXX, XXXX XXXX, TX. This serves as a formal complaint in writing regarding the unfair business practices mentioned herein regarding Barclays Bank Delaware aka Luxury Card. Upon reviewing the XXXX XXXX XXXX complaint reviews of this bank/Luxury Card, I observed numerous other consumer complaints filed regarding what appears to be unfair and bad faith business practices.
Consumer complaint received 2020-02-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (NY)

A short sale was approved on XX/XX/XXXX by SLS Servicing LLC. The second mortgagee, XXXX XXXX, approved the amount they will receive on XX/XX/XXXX. SLS Servicing required the short sale to close on or before XX/XX/XXXX or the short sale agreement was voided. The problem is that the earliest date that the Chapter XXXX bankruptcy judge set for the review is XX/XX/XXXX. This action is putting me at risk of losing the buyer of my home. I am concerned over SLS Servicing looking for a reason to just foreclose on my home. SLS recently denied an extension of the closing date. They stated that the appraisal, that was performed on XX/XX/XXXX expires on XX/XX/XXXX. Before the court date. They are incorrect. It is standard in the mortgage industry that an appraisal valuation is good for 6 months. That would be until XX/XX/XXXX. Every request to extend and try to work this out is denied by SLS Servicing. They are causing a lot of unneeded stress on me and my family.
Consumer complaint received 2018-08-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Riverwalk Financial Corporation (GA)

This is a debt from years ago that had already fallen off my credit report. There was no communication whatsoever from this company. This company has randomly popped on my credit report twice. First XXXX. The first time it popped up on XXXX  I disputed it and it was removed. The second time it popped up on my XXXX report.
Consumer complaint received 2020-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sarma (IL)

On or about XX/XX/XXXX, I went to Quality Urgent Care in XXXX XXXX, Texas for an unusual urgent visit. I am employed by the XXXX as an XXXX XXXX XXXX and I was stationed in XXXX XXXX, Louisiana at time while visiting XXXX XXXX for 30 days. I immediately reported the visit to XXXX or XXXX when I got back to XXXX XXXX. On or about XX/XX/XXXX, I received a notification by all three credit bureaus via application notification on my smart phone that all of my credit scores had dropped an average of 100 points due to Sarma Collections being added to my credit report without my consent. I immediately contacted Sarma to see why this was added to my credit reports and she did not provide with sufficient response. I told her that XXXX should be taking care of the bill and you should remove this debt until you give XXXX some time to look into my claim and pay for it. She told me she would call XXXX to clear this up and I did not receive any information. Sarma Collections and their phone number is ( XXXX ) XXXX. I paid the debt of {$320.00} today to Sarma Collections and requested that it be removed because of violation of the Fair Trade Commission Act on my behalf. Also, her excuse for me not being contacted is that I changed my address. It is not right that I was not given the proper amount of time to pay to debt so it would not post to my credit report. I am trying to buy a house and I also have a security clearance to maintain my job that will be affected behind these subpar business practices to get consumers to pay debts. Please help me get this collection off all of my credit reports.
Consumer complaint received 2018-06-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Transunion and XXXX are not reporting my credit card account with : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Account Number : XXXX My account is reporting with XXXX but not with the other two companies. Can you report this account with Transunion and XXXX? 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2020-02-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Riverwalk Financial Corporation (MD)

Hello, I received a letter from XXXX in XX/XX/2020 stating that I owe a debt to DeVille Asset Management , LTD in the amount of {$16.00}, XXXX and they are will to reduce the balance to {$4200.00}. It says the original creditor was XXXX XXXX XXXX XXXX. I researched all three company 's and to no avail I'm still not confident this isn't a scam. The letter doesn't disclose the type of debt and what it is for i.e, car loan, cellphone account ect. Very limited information given but they want my credit card information. Seemed fraudulent because I don't owe a debt to anyone. I called to get more information and was asked for my name, address and social security number. I refused and they hung up. 

Please report XXXX, DeVille Asset Management , LTD, and XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-02-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MN)

Navient has failed to provide correct and up-to-date information about my loans. Even with the information that IS provided, it is VERY confusing. On my account, it states that on XX/XX/2020, a payment of {$840.00} was made to ALL of my accounts with Navient. Yet, it says an amount of {$270.00} was due on XX/XX/2020 when there was a payment already made. So I am unsure how to proceed because I am unsure if Navient is processing my payments correctly which will only further harm me and my credit. I demand that Navient provide accurate information and processes my payments correctly as I feel that I am over paying on my student loans. They are taking more money from me, which is harmful and deceitful, and not properly notifying me about what they are doing with my payments. 

In addition, a Navient representative told me that the reason why my payments were not processed properly was due to them " not seeing '' instructions that accompanied my XXXX payment. When I asked an XXXX representative, they told me that Navient should be able to see it. Therefore, Naviet lied to me about not seeing my instructions and have been incorrectly parceling out my payments for an unknown amount of time. Again, clearly a deceitful practice that harms XXXX members that Navient uses for their own gain.
Consumer complaint received 2020-02-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (IL)

Trying to unlock my credit to simply apply for a credit card. XXXX  and XXXX were not great, but Equifax was useless. I have account info from when I locked the account after their security breach, but their online site doesn't like my account info. I requested to reset my password, but got no response from their site. I called the support number, but apparently I could not answer questions about credit cards they thought I used, but they couldn't tell me what info they wanted. I must have guessed wrong about little used credit cards. Now I'm supposed to fax them a letter with my SS card and drivers license so they can verify my identity somehow. I gave them my SS number multiple times and I could have given them my license number if that was asked for. It's going to take 2 weeks for them to validate me once I fax a letter! My data is locked up in their mess of a system. No escalation, the remedy makes no sense, and it could cost me money. Who are they accountable too?