davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc. (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX FIRST FEDERAL CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX XXXX : Acct # XXXX To Whom It May Concern : This is my Final attempt to try to remedy this situation. regarding your response, i will file a small claims court in my local state against your company. This letter is in response to your recent claim regarding Acct # XXXX which you claim I OWE YOU XXXX. 
By not replying in a timely manner to my initial letter on XXXX/XXXX/XXXX, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate, incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your noncompliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. 
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. 
I will be seeking a minimum of {$5000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act XXXX including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act XXXX including but not limited to Section 623-b ) You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau, Cc : Attorney General 's Office Cc : Better Business Bureau
Consumer complaint received 2022-02-16
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA (CA)

I traded in my car early with XXXX XXXX Kia in XXXX on XX/XX/XXXX. It was a quick process but they made mistakes on paperwork so I had to miss work to go back on XX/XX/XXXX to resign documents. I begin receiving calls from Kia Finance in XXXX because the loan was never paid off after the trade in. I continued to receive calls from Kia Finance and letters for several months. I called the dealership several times, no one answered or returned my calls. 

I spoke with salesman XXXX XXXX in XXXX in an attempt to solve the issue. After receiving a check for pay off difference I received a call from another employee on XX/XX/XXXX who told me that they attempted to pay off the vehicle but the payment was sent back to them. I was told that the check was sent by mistake and that they still hadnt fully paid off the vehicle. 

I continued to receive daily calls from Kia Finance telling me that I was responsible for the debt. The last call I received was on XX/XX/XXXX when I was informed that the dealership improperly grounded the vehicle upon trade in and that I was still responsible for the debt, despite not having the car in my possession since XX/XX/XXXX. 

As of XX/XX/XXXX, the vehicle was finally fully purchased by XXXX XXXX Kia, however, the process was grossly mishandled by the dealership. XXXX XXXX Kia failed to properly ground the vehicle and pay off the remainder of the lease in a timely manner despite signing off on documents stating that I was no longer responsible for the car.
Consumer complaint received 2017-03-07
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY (AZ)

I had XXXX points available from American Express. Every XXXX points equals XXXX dollar. Thus, I had {$120.00}. American Express confirmed that I could use those points towards purchases to pay the balance on the account. The account had a {$XXXX} balance. I had purchased {$100.00} in XXXX items, shoes and a book. The shoe company gave me a {$15.00}. Ultimately, I had a balance of {$88.00}. It was a circus to use these points ; after a frustrating day of repeated phone calls, I was total that I was being given an extra XXXX for my inconvenience, which would bring my balance to XXXX, XXXX points ( {$170.00} ), and that XXXX points would be used to bring the account to {$XXXX}. That would mean that I have XXXX points left. American Express then sent me a bill for {$26.00} and stated that I had XXXX points left. I tried to address this with the Better Business Bureau ; American Express has tried to circumvent the process and sent me a letter received last week which gave an illogical explanation of the bill, especially in light of the statement copies provided. I was contacted by XXXX of American Express, who stated that I made an inquiry. After explaining this to him four times, it was clear that his call was not to resolve the issue, but rather to paper the file, so to speak. His number is XXXX, Extension XXXX. American Express sent me an e-mail reminding of credit reporting for unpaid balances ; since I pay my balance regularly, I see this an intimidation tactic and I informed American Express to have their attorney contact me, which XXXX refused this request. I believe that this is a regular business practice of American Express and that there should be an investigation.
Consumer complaint received 2021-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc. (FL)

I rented a property in XXXX XXXX Florida and we were forced to vacate due to the owner selling and we had 30 days to leave. The property management would not let me contact the owner to see if we could get a extension to stay due to not finding something that quick, and I was XXXX  and almost due. The owner said no and we had to vacate with in the last 2 months of lease. We contacted the property management and asked if they could contact the owner and see if we found something ASAP could we get out of the lease early. Well the agent at the property management company told me no she was not going to contact him anymore. Im not sure if shes there anymore at the property management, but we had a lot of problems that person anyway at the property management and she was not gon na bother the owner anymore. She pretty told us that we had to leave or get sued. 

Come to find out later the owner has multiple properties in that community and he had gone bankrupt. 

I was XXXX  at that time and since then Im XXXX. We paid the rest of our lease but moved out before. We thought we were good until the property management said we did not pay the last month and they charged all these fees. 

So instead fighting it, we paid to avoid being sued. We rented this houses in XXXX. Since my XXXX  I was trying to rent an apartment and they told me that I had a collections on my credit for a property management, and I asked who, and they told me and it was that house we rented and was forced out. So that was almost 6 years prior. 
They gave me the name and number to the company here in XXXX FL, and I immediately called, and I called and I called and no answer. 
It took me about a week for someone to answer and their mailbox was full so I was not able to leave a message. 

When I finally reached someone, they told me the amount and said I needed to pay the full amount in order to be able to rent another apartment. 
I, of course, asked to see a document to show the balance and they WILL not give you one. They only take payment over the phone, and they do not take anyone inside their building to pay. 

For over 3 months from XX/XX/XXXX to the present, I have called and they STILL WONT give me any documentation. 
I tried it dispute twice and its rejected. 
I did read all the reviews about the collections business and they all say the same thing, not seeing any documentation upfront before you pay, or coming in to see someone. 
Some say, they took their money and never received a receipt and the debt and the same amount was still there. 

I am trying to get a apartment in my name only with my daughter and I cant due to that collections. I will NOT pay for something without seeing proof upfront. 


I am hoping that you can help me to remove this so I can move forward with renting a apartment. 

Thank you, XXXX XXXX
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (CA)

Lender " Ocwen '' took over my loan ( from XXXX ) in 2006. Ocwen never recorded the assignment with the County of XXXX. I discovered this while working with my City 's engineering department on a substantial remodel to my aging home. Permits are pulled, crews are at the ready. We are also required by XXXX, to have the Lender If Record sign off on a required easement for a planned future sidewalk. We received a brief extension of time to accomplish these items. After speaking with XXXX outsourcing, then XXXX, I finally reached the XXXX manager, XXXX, who promised a 48 hour resolution. That was 4 days ago. I have left her 10 messages asking for a call back. Even with her direct number, that department does not accept incoming calls. I 'm facing renewal of the permits, almost {$10000.00}. if this is not resolved soon and I am unsure how to proceed. Please help me get Ocwen to record as the lender of record ( which they should have done in 2006, and sign off on the XXXX easement for the sidewalk. Thank you for any assistance.
Consumer complaint received 2023-04-01
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. (TX)

XXXX account ending in XXXX continues to report the same inaccurate information that I have disputed in previous complaints which will be listed below. In both complaints the account has come back verified. How is the account verified if the facts are directly from my credit report? This is a violation of section 623 of the FCRA ( furnisher must not furnish inaccurate consumer information to a CRA. ) also under the FCRA a CRA must conduct a reasonable reinvestigation of the dispute and that clearly has not been done. 

On complaint XXXX on XX/XX/XXXX I stated continued reporting in the payment history after the account is closed. Once the account is closed there is no payment history. Also I stated that XXXX is reporting a negative XXXX dollar balance. The account is closed so the reporting balance should be XXXX. 

On complaint XXXX submitted on XX/XX/XXXX I stated the same issue of continued reporting on the payment history when the account has been closed for years. This is inaccurate information reporting to my credit file. 

The facts I will submit as proof/evidence of inaccurate information being reported will come directly from my credit report. 
With the facts Ive presented I can prove willful non compliance. I can show how this account has caused denials for extensions of credit which has caused me and my family severe harm. 
15 U.S. Code 1681n - Civil liability for willful noncompliance I want the account Deleted immediately.
Consumer complaint received 2022-02-16
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. (CA)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$1200.00}, XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1800.00}, XXXX XXXX XXXX XX/XX/XXXX {$13000.00}. XXXX : XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2017-03-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (NY)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2022-02-16
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. (CA)

I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file
Consumer complaint received 2019-02-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO. (OH)

I am receiving many phony calls daily from an unidentified company claiming that my credit card company ( and the recorded message doesn't say which credit card company ) is offering me a better deal on upgrading my credit line amount. No human is involved in the calls ; a recording comes on only which says to press a button to connect with someone to discuss your account information. My phone number was probably sold to the scammers who will try to profit from this fraud. I have not received any mailers, just these phony calls. This can only involve my Chase Visa card through XXXX XXXX and a joint Chase Bank account with my husband, so it is unclear which is involved and perhaps does not matter as this is trolling for any and all info, so I assume the scammers just throw out the name of the card company hoping to steal all of the account information and drain the account of funds and to use the account for fraudulent purchases. 

I hang up and then try to call the phone number that shows up in my caller ID. When I do so, any of the phone numbers I call back are not legitimate, as a recording comes on, " we are not able to complete this call, try calling again ''. No legitimate credit card company is associated with any of these many phone numbers. 

This is clearly a scam to obtain personal account information from those who can't figure out that real credit card companies render offers in the mail and never contact clients in this manner. I am appalled this is occurring. I don't know who is making these calls from varying phony numbers sometimes up to 10 times a day. I also don't know if I can stop the scammers, but at least I can try to report this illegitimate behavior. I will also report the phone numbers used to the FBI fraud unit for their records.
Consumer complaint received 2016-08-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: AMERICAN EXPRESS COMPANY (FL)

Roomate took personal id information and submitted online application to American Express ( AMEX ) for credit card. Roomate included his name as an associate account holder-but I was the primary account holder. Roomate is young and thought he was helping his cause of improving his credit rating. Roomate accrued {$8000.00} and has made monthly payments on the account. He has placed money in my checking account and submitted payment through my bank checking. I have been in contact with AMEX on numerous occasions and they always assured they would proceed with Fraud Claim upon my decision. I did not sign nor apply for this account. I believe that the issue should be between my roommate and AMEX. Not me. The young man is making the payments and I would like for the account to placed in his name not mine. If this means, AMEX needs to proceed with Fraud -- then it is their decision to proceed with the roommate. AMEX promised upon each conversation they would proceed with Fraud. I would like for AMEX to proceed with this account and the young man and stop harassing me.
Consumer complaint received 2022-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I AM WRITING TO DELETE THE FOLLOWING INFORMATION N MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. 
I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THE ITEMS AS SOON AS POSSIBLE.
Consumer complaint received 2020-09-11
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. (GA)

I sent out a letter on XX/XX/2020 disputing the negative item on my report. I still haven't received a response and it has been well over the 30 days given by the Fair credit reporting act for re-investigation. I sent out another certified letter on XX/XX/2020 because I wanted to know the progress of my investigation. On XX/XX/2020, I submitted a complaint with the CFPB but you stated that it wasn't me. This is unfair! I've been working so hard to correct the wrongdoings on my report. I have now submitted two forms of identity for verification. Please take my complaint seriously. It's almost been three months and I still haven't received a response. This is a direct violation of my rights and action has to be taken so that the incorrect information on my report is removed.
Consumer complaint received 2017-02-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (MI)

The company is Navient and this is for a private loan payment. The reason they are calling is to find out when I 'm going to make a payment and that 's fine but I do n't need them calling me 6 to 8 times a day. Meaning, when they call me they leave a message then call right back again from XXXX different numbers. This is excessive and I do n't need them calling me that many times a day. Please make them stop calling me 6 to 8 times a day.
Consumer complaint received 2016-03-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: Fidelity National Information Services, Inc. (FNIS) (MS)

I have been denied opening a bank account due to incorrect information that Certegy continues to send to Chex systems and other check writing agencies. The following banks have refused to open an account in my name. Bank of the XXXX, XXXX XXXX, XXXX XXXX due to the inaccurate information they continue to send. I have contacted them and they have refused to clean up their error. I have also not been able to cash checks at XXXX due to this error.
Consumer complaint received 2019-02-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. ()

unfortunately your form wont let me check all the boxes for the issues i have had with my loan servicers. 
first, they are unwilling to take my payment via visa debit card because i live and work abroad. they were able to take my payment for rehabilitation but refuse to accept payment to keep my loan current. they have been doing this for over 2 years. I have shifted from XXXX, to nelnet to XXXX XXXX.. I have the money and the desire to pay but they literally will not take my money. 
also they have lied repeatedly about my options as my loan was defaulting. 
they have harassed my family by calling many times asking them to pay my bill even though they have absolutely nothing to do with the loan and signed nothing on the documents. 
im pretty sure you wont do anything but i am out of options, this situation has destroyed my credit and inflated my loan debt. the situation is insane. 

i am out of options and have no recourse. there is absolutly no power here for borrowers its disgusting how little is being done to deal with this.. 

these companies are a scam and run as a criminal enterprise and no one is doing anything about it. its disgusting.
Consumer complaint received 2022-02-16
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: EQUIFAX, INC. (CA)

Hi, my name is XXXX XXXX. On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2019-02-27
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: Experian Information Solutions Inc. (NY)

This is not my debt, and I never owed this money. I have been trying to get this account off my credit report for years. 

On XX/XX/2018 I received a response from XXXX XXXX ( XXXX XXXX XXXX ) stating they were removing this account from my credit reports and it could take up to 60 days to reflect. This account is still showing on my Experian report 6 months later. 

I want this removed from my Experian report immediately