davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-15
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Professional Medical Management, Inc. (MD)

I have medical bills with XXXX XXXX in XXXX, PA I had been paying {$25.00} on each of the XXXX bills until about a year ago when a rep. called me from XXXX XXXX and we agreed that I make a once a month payment for {$110.00} and some change. I rounded off the payment to {$110.00} a month and sent my payment each month that I received my bill. Well the bills stopped coming in the mail in XX/XX/XXXX and I never heard a word from XXXX XXXX either by mail or by phone regarding any payment issues so I assumed my bills were paid in full and that was the end of it, until yesterday when I checked my mail and found that I had a letter from a Collection Agency ( Financial Recoveries ). This letter includes XXXX unpaid, overdue bills from XXXX XXXX and they are expecting me to pay them in full. First off I was making payments that were agreed upon by myself and XXXX XXXX. How can they just up and send these to collections without properly notifying me that there was a problem? I guess I should have contacted them but life gets busy, especially when my focus is on my health and trying to physically get back on my feet. I have been dealing with major back issues since 2012 and all that comes along with that, like doctors, hospitals and health insurance. I am and have been on XXXX so there is no way I can come up with a lump sum to pay these bills off the way the collection agency wants me too. I just do n't understand why XXXX XXXX stopped billing me and sent me to collections. I was making my agreed payments. 
I sure hope that by writing this letter to you that you can help straighten this mess out for me or at least point me in the right direction. 

Thank you
Consumer complaint received 2021-11-12
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Re : XXXX XXXX XXXX XXXX XXXX Account XXXX violation must DELETE Since XX/XX/XXXX, I have been requesting sufficient proof in the file on a debt XXXX  XXXX/ XXXX XXXX XXXX claim I owe. I have sent multiple letters to XXXX XXXX XXXX demanding sufficient proof within ( 30 ) days on this account they continuously ignore my yet update with the credit reporting bureaus. In accordance with FDCPA 809 ( b ) furnishing, verifying, updating is considered collection activity. Since they failed to respond to me directly, I asked them to provide sufficient proof using all ( 3 ) credit reporting bureaus. XXXX XXXX XXXX has failed again to provide sufficient proof but updated XX/XX/XXXX which is a clear violation of FDCPA 809 ( b ). I demanded all ( 3 ) credit reporting bureaus to 1. Reinvestigate inaccuracy 2. Provide results. have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a consumer reporting agency is disputed by the consumer the agency shall, free of charge conduct reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current information or delete the item before the end of 30 days on which the agency receives the dispute of the consumer, they failed so this must be deleted immediately. 
have not provided proof through mail or email. in accordance with US Code-15 Section 16819 ( f ) If the completeness or a in accordance with ( 2 ) violation listed below
Consumer complaint received 2019-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IN)

For the past several months ( and for a year prior ) I have been attempting to have four loans ( loans 1,2,3 and 4 ) placed into forbearance due exclusively to a borrowers defense application against XXXX colleges. However, it seems difficult to place these four loans into the correct status. I have a total of fourteen loans with fedloan servicing and they have continually placed all loans, a few loans and the incorrect loans into the forbearance status. I had called them weekly to push to get this resolved. I have explained explicitly that I wanted loans 1-4 placed in forbearance and loans 5-14 placed into repayment. However, this was beyond their comprehension until XX/XX/2019 when I had to repeatedly be transferred to managers to handle a simple issue. I then find out that a loan was not ever included into the repayment and was left in forbearance. Not only has this been a huge waste of time and resources I have a charge of {$1800.00} in interest capitalization because they failed to place the proper and correct loans into the forbearance and repayment status. Even when speaking to first level employees and supervisors they repeatedly stated the only way to have this done is to keep ALL loans in a forbearance status even after I stated that I wanted to repay my loans and not accrue further interest charges. I feel like this is fraudulent and not in the best interest of the consumers/loan borrowers. Fedloan is not being held accountable for their actions and their divulgence of information
Consumer complaint received 2020-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (LA)

I am a victim of identity theft. I had my personal information used to open fraudulent account that i did consent to. A few years back i had my bookbag stolen at a mall.I have tried. It is hurting me I have tried getting this matter resolved with the credit companies and nothing gets handled. please help
Consumer complaint received 2022-12-16
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. (NV)

I have asked Transunion and XXXX and XXXX to remove all of these inquiries from my credit report. I did not apply for the XXXX inquiries within a XXXX month. Please remove them. They have yet to do cell after admitting this is very unusual and they would take care of it, they have not. They still show on my credit report.
Consumer complaint received 2022-12-16
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Justice Finance Company (TX)

At XXXX AM on XX/XX/22 I received a call from an individual who introduced herself as XXXX from Justice Finance. She initially asked for another individual, I told her that was my husband, and she then called me by a different last name. I corrected her and asked her not to call me anymore. She said ok and hung up. She then called again at XXXX AM and she proceeded to tell me that she was contacting me as I was a reference for an individual and disclosed their name as well as indicated that they are past due and that because their sister did not work there were any longer did not mean she did not have to pay. I replied by telling her that I would relay her message and also asked her if she was aware of the FDCPA and FCRA, she stated she was aware. I then proceeded to tell her she was in violation by providing me with information on the status of the account. She then would talk over me and not listen to me and cut me off. I ended the call. I contacted the individual about the call and she informed me she was under 30 days late and aware that the company 's policy does not warrant calls to references unless they are past due way over 30 days. She also informed the company she would make her payment before the month was over, therefore there was no need to call me.
Consumer complaint received 2022-12-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Consumer complaint received 2022-05-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I submitted a dispute to block fraudulent information from my credit report via mail on XX/XX/22. These documents were sent overnight and received by the bureau on XX/XX/22 with tracking information to prove tracking # XXXX. I sent all required documentation including a FTC report, proof of identity and reason for the dispute request. When I spoke to a representative at Transunion they told me they did not receive my documentation even though they are suppose process, investigate and remove fraudulent accounts within 4 business days according to the FCRA. The two accounts listed on my credit report that do not belong to me are XXXX XXXX {$10000.00} and XXXX XXXX XXXX  {$4200.00}.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

On XX/XX/XXXX of XXXX my vehicle was involved in a accident to where it was totaled off and a settlement was reached an agreed-upon by all parties and my insurance company which is XXXX  settled again and I repeat everyone excepted the settlement amounts and the document was dated XX/XX/XXXX the amount that was disbursed and settled upon was {$25000.00}. I have tried numerous times to have XXXX XXXX zero out this balance and to no avail originally the account was still open and they just charged it off this year in XXXX and no one from XXXX XXXX contacted me about the account. Once I noticed the bill open on my credit I contact them many times because I was inquiring why the balance was left open on my credit. I have gone to XXXX XXXX, I have gone to the dealership, and I have gone to my car insurance company XXXX  who paid off the balance they stated that XXXX XXXX provided them and accepted. XXXX XXXX can not come back to me after the fact inquiring for a balance. At the time of the accident I did have GAP Insurance XXXX XXXX did not file any GAP Insurance again they can not come to me billing me for something that they did not do.
Consumer complaint received 2017-06-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (WA)

I applied for and was granted the Barclay XXXX XXXX XXXX in XXXX of 2016. At that time, they offered to waive the annual fee of {$990.00} and provide 0 % interest under SCRA benefits for XXXX XXXX military members. They have since rescinded that offer, and are now charging the annual fee of {$990.00} if I continue to retain the XXXX XXXX.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/XXXX of XXXX my vehicle was involved in a accident to where it was totaled off and a settlement was reached an agreed-upon by all parties and my insurance company which is XXXX  settled again and I repeat everyone excepted the settlement amounts and the document was dated XX/XX/XXXX the amount that was disbursed and settled upon was {$25000.00}. I have tried numerous times to have XXXX XXXX zero out this balance and to no avail originally the account was still open and they just charged it off this year in XXXX and no one from XXXX XXXX contacted me about the account. Once I noticed the bill open on my credit I contact them many times because I was inquiring why the balance was left open on my credit. I have gone to XXXX XXXX, I have gone to the dealership, and I have gone to my car insurance company XXXX  who paid off the balance they stated that XXXX XXXX provided them and accepted. XXXX XXXX can not come back to me after the fact inquiring for a balance. At the time of the accident I did have GAP Insurance XXXX XXXX did not file any GAP Insurance again they can not come to me billing me for something that they did not do.
Consumer complaint received 2022-05-18
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: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2023-03-31
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. (PA)

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

See the documents attached.
Consumer complaint received 2019-07-18
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: CAPITAL ONE FINANCIAL CORPORATION (CO)

Someone fraudulently opened 4 capital one credit cards in my name that I just recently found out about and have been in contact with capital one to dispute it, to have the fraudulent credit accounts removed from my credit and they refuse to remove the fraudulent accounts and are holding me liable for the balances on them when I never opened the accounts to begin with. I am not liable for opening the accounts or the charges associated with them and need the 4 accounts all removed within the next 15 days. Capital one is claiming they completed their investigation and found no fraudulent activity when there was in fact fraud perpetrated in my name.
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Care, LLC (VA)

I contracted with the Student Loan Care ( studentloancarecompany.com ) to apply the federal student loan forgiveness program on XX/XX/XXXX. They said they would pay for my loan one year instead of me, then I need to pay for them {$42.00} every month. I believed their services and I did not care well about my student loan payment. 
However, I had to pay {$45.00} every month to XXXX XXXX XXXX as well as XXXX XXXX automatically charges monthly {$42.00} immediately from my bank account. 

In XXXX, I realized my loan balance increased and paid nothing for a while. I just found the record my little paid. I have tried to contact and cancel with the XXXX XXXX XXXX XXXX, and then stop the payment to XXXX XXXX. They said I can not cancel until my paid off. I didn't understand why I have to pay them every month for my federal student loan. They did not pay for anything but gave me a damage of my credits. 
I have NOT received any services or notification from these companies for my loan payment. I was SO upset and complain them, but they are still taking {$42.00} every month from my account. I confirmed with XXXX XXXX XXXX that they are not associated with these companies. I already paid them over {$1200.00}. But my XXXX XXXX balance is not changed. 
The Student Loan Care and XXXX XXXX are defraud to threatening student finance. 

And, I am very wondering how they know my federal loan balance and personal information. I am assuming XXXX XXXX serving or XXXX leak out students ' information. 
So that they are running their business without any association of Federal government. 
I got phone calls SO MANY TIMES from this kind of companies. They said all same words to concern my loan balance and help me. It was not only The XXXX XXXX XXXX XXXX. 

I would like you resolve this problem ASAP. Thank you.
Consumer complaint received 2022-05-18
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 settled my account to be paid in full with XXXX  XXXX around XX/XX/2021. The balance is reporting as {$0.00}, however, the account status is still reporting as " derogatory '' and I would like this to be reported as " paid ''.
Consumer complaint received 2022-05-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

FCRA violations : accounts not mine XXXX XXXX XXXX Potentially negative Date opened XX/XX/2016 Balance {$18000.00} Status Accou FCRA violations : addresses not mine XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, TX XXXX XXXX type XXXX family XXXX XXXX XXXX XXXX, AZ XXXX Resident type XXXX family XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX
Consumer complaint received 2021-11-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Strategic Alliances, Inc. (FL)

Notice received XX/XX/XXXX from collection agency ( First Financial Asset Management ) This is for a car that I rented from XXXX XXXX  and gave back and they never told me there was anything wrong with the windshield. 

XXXX XXXX sent me a letter a month after car was returned asking me to pay for something I did not do.
Consumer complaint received 2021-10-30
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Services, Inc. (WA)

I have received a debt collection notice from NCS ( National Credit Services Inc. ) located at [ XXXX XXXX XXXX XXXX, WA XXXX ] today XX/XX/XXXX in my residence mailbox. The notice is dated for XX/XX/XXXX. The debt in question is from creditor XXXX ( XXXX XXXX XXXX XXXX ) for an unconfirmed and presumed parking violation on XX/XX/XXXX. The letter also encloses the principle amount and interest. Enclosed in this letter is no proof of violation or contact number for the parking management company. 

I had called the debt collection agency ( NCS ) about the claim and they informed me of which parking lot the alleged violation is in as well as asking me if I wanted proof of the violation. ( of course I do ) But now they have to mail it out to me again. I have no recollection of being at this parking lot the date that is posted.

Here are my issues with this whole process so far...

1. Like any normal parking violation, one would expect a ticket on the windshield of their car if violated. This was not done.

2. No attempts were made to communicate to me that a violation had been associated with my license plate. The company has an online portal for payment/checking. I check the mail twice a week. 
3. Instead of trying to communicate with me through writing or other means, the parking company ( XXXX ) immediate first response is to file a debt collection against my name. This is serious business as it appears on credit reports. 
4. I tried looking up my plate through their online portal at XXXX XXXX XXXX # /citation/citationSearch and my license plate did not show up in their database. Thus I proceeded to email the company to ask about the violation. Their response was that they could see the record but refused to communicate with me about the violation, provide evidence, or offer a resolution. Only said I could communicate via NCS.

5. The debt collection agency was extremely slow with their correspondence. My debt owed is only {$70.00} and although interested may amount to a few dollars, this may not be the case for people who have outstanding debts in the thousands.

The lack of professionalism or empathy from either company is appalling. The debt collector only sent me a letter noting I owed money, how is one to trust this. Also communication can only be done through writing, this is the XXXX.
Consumer complaint received 2022-05-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A. (MD)

i wrote a check ( # XXXX ) to my doctors office for {$150.00} and mailed it on XX/XX/XXXX. The sealed envelope was picked up by my mail carrier but never made it to the doctors office. I noticed unusual withdrawal on XX/XX/XXXX, and the check was completely altered made payable to XXXX XXXX for {$1500.00} for back pay in XX/XX/XXXX. The numbers, letters and signature was completely wiped clean and altered by the criminal. The letters, numbers and signature did not match my handwriting, they were completely different. 

I notified the bank, PNC through the customer service line and they informed me it usually takes 2-3 weeks to resolve this matter. I received the affidavit of Altered Check 1 week later. I had it notarized as instructed by my branch in XXXX and they faxed it back to their offices that handle such matters. They also informed me there is no signature matching within their check processing systems. 

Not hearing anything, I started calling the bank on XX/XX/XXXX. I was able to reach XXXX XXXX who informed me he couldn't get a hold of me ( with one phone call ) and mailed a letter to my home which I haven't received yet. The purpose of his call was to inform me that he was my case manager. Two months had expired and I have not heard from anyone at PNC at this point. 

Having been with PNC for more than 6 years with over {$100000.00} in deposits between trust, checking and savings accounts, I was dismayed at the customer service to say the least. On XX/XX/XXXX, after a visit to a different branch, I spoke to XXXX XXXX at the XXXX location. That day, I wrote to the CEO, XXXX XXXX to escalate and try to get responses to the delay and after more than 2 months, I have not received a provisional refund. 

I was also surprised to learn from the Washington XXXX that criminals are stealing mail from the USPS and altering checks. As I receive almost daily updates from PNC regarding loans, credit cards, online scams, etc., I am extremely disappointed that I have not been alerted by PNC to purchase more secure tamper proof checks and / or ink that can't be altered. 

PNC has failed in their fiduciary duties to protect my funds in their bank.