davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc. (AL)

My second complaint is for CommonWealth Financial, who has a medical collection on my credit report for {$110.00} at XXXX XXXX XXXX XXXX from XX/XX/XXXX. Ive had a primary  doctor since around XXXX of XXXX, theres no reason at all for me to go to the ER. I have no idea how or whos going to these places using my information. But the debt is not mine and should be remove from my reports, all 3 credit bureaus. Ive disputed this account with XXXX  which the company agreed to delete the inaccurate fraudulent unverifiable collection. Yet the company continues to report to XXXX  & XXXX  while knowing the debt is not mine.
Consumer complaint received 2018-02-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Recovery Solutions, LLC (MD)

I RECEIVED NOTICE OF A DEBT ABOUT 8 YEARS OLD I DISPUTED THIS DEBT IN WHICH IT WAS FOUND TO NOT BE MY DEBT. IN ADDITION, IT WAS REMOVED FROM MY CREDIT REPORTS. HOWEVER, THIS COMPANY KEEPS RESELLING THIS SAME DEBT AS NEW TO OTHER COLLECTION COMPANIES AND THEY ARE REPLACING THE DEBT ON MY CREDIT REPORT. SO ONCE I DISPUTE THE DEBT WITH ONE COMPANY ITS REMOVED FROM MY CREDIT REPORT BUT MAYBE A FEW MONTHS LATER IT WELL BE REPORTED BY A NEW COLLECTION COMPANY.
Consumer complaint received 2018-02-12
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: BMW Financial Services NA, LLC (CA)

All of my accounts have been hacked an I believe that BMW is behind it. Bmw has is doing everything that they can to keep me from getting to the right place to file a compliant they hack in my phone. They disable my car remotely. They have people following Me 24 hrs a day. I call the police but they do not want to help. They say everything they can to keep me chasing my tail. I've be hacked money frozen card towed illegally. Threaten all of these thing stim from bmw an this software they are developing for the driverless cars I THINK WHAT EVR IT IS ITS ON M6 CAR AN THEY HAVE WORKED WITH THE POLICE TO SEPERATE ME AN MY CAR. THESE PEOPLE FOLLOWING ME DISABLING MY CAR MAKING BREAKS GO OUT POWER SEEM TO BE DEAD THEN COMES BACK OVER HEATING THEN FINE IT'S LIKE THEY HAVE BEEN USING ME AS A TEST DUMMY. The police I hear are to be getting carS fRom bmw. My car is still in the pound police had a 3rd party pick up the car then called back in an said that I requested a tow. I have towing with bmw free I need help. I don't KNow what else to do when the police are involved in a crime an it seems that they will stop at nothing to keep me quiet they have put tires on flat take out fuses in my car so it wouldn't run. Hacked phone an have calls I call go to them. My name is XXXX XXXX XXXX XX/XX/XXXX. I don't feel safe. I was left in the middle of the street at night for 2 hrs an police drove by like I wasent their. I was taken to XXXX they tyed too wipe my phone 's clean I recovered them. Police helping these people that are following me please help. XXXX
Consumer complaint received 2018-02-12
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (MD)

THIS LOAN OFFICER ILLEGIALLY USED MY IDENTIY WITH FINACIAL INFORMATION I WAS NOT AWARE OF. I WAS AWAITING SOCIAL SECURITY XXXX FROM BATTLING XXXX XXXX XXXX. I WAS REFERRED TO THE AUTO DEALER BY BROTHER PURCHASING HIS VECHILE THERE. IVE NEVER BEEN EMPLOYED BY THE EMPLOYER WITH EARNINGS AT THAT TIME EVER. PRIOR I WAS LEASING VECHILE WITH XXXX   WITH THE UNDERSTANDING SAME KIND OF CONTRACT WITH MY OWN INSURANCE. MY PAYMENTS WERE HANDLED BY CASH WITH XXXX. I HAD NO KNOWLEDGE OF THE INCOME PROVIDED NOR WAS I ASKED. I WAS NEVER AWARE OF PURCHASING THE VECHILE FOR 30,000 PLUS WITH NO PLACE OF EMPLOYMENT. I HAD NO KNOWLEDGE OF THE LENDER ILLEGALLY PROVIDING FALSE PLACE OF EMPLOYMENT WITH EARNINGS HOLDING ME RESPONSIBLE FOR THE COST OF VECHILE THAT WAS GOING TO BE TAKEN FOR UNABLE TO PAY FOR. I FEEL DEALERSHIP AND LOAN OFFICER USED MY IDENTITY FOR THERE FINACIAL GAIN. THIS IS IDENTIFY THEIFT FOR ONES GAIN.
Consumer complaint received 2024-03-22
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc. (NY)

A XXXX XXXX ( XXXX ) salesman came knocking on my door in XXXX, 2023. He tried to ask me to switch to XXXX internet service. I said I could give it a try. I then received the XXXX equipment on XX/XX/2023. I attempted to set it up immediately on that day, but experienced a technical issue due to a long-lasting XXXX  service outage. Feeling frustrated, I returned the equipment back to XXXX via the XXXX XXXX the next day ( XX/XX/2023 ). The XXXX tracking number for the equipment return is XXXX. I immediately communicated to XXXX via phone calls and online chat about the equipment return. Clearly, their customer services are either incompetent or do not care because XXXX kept calling me about monthly service fee charges despite the fact that I did not activate my account and never used their internet service. 

XXXX  claims that I owe them {$150.00}, which includes monthly service fees for XXXX, XXXX, and XXXX of XXXX. As you can see, my XXXX account was never activated due to equipment return. XXXX  has since referred the matter to a collection agency ( AmSher Collection Services, XXXX XXXX XXXX, XXXX XXXX, XXXX, AL XXXX ). AmSher Collection agency has contacted me by postal mail and phone call, asking me to pay {$150.00} on the phone. I have explained the matter to AmSher Collection by mail and phone call. I feel that XXXX should be exposed for their unethical and predatory practices. I have all the communication records on file if needed. Thank you for your help.
Consumer complaint received 2024-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (CA)

In or around XX/XX/XXXX I received a letter from NelNet indicating my student loan payments would resume and to apply for an income based repayment plan. I had been on one previously ( before the XXXX pause ). I recertified my XXXX plan. My payment increased over {$1000.00}. I have been on a forbearance since. On XX/XX/XXXX, I called NelNet requesting they rollback my payment per President Bidens new announcement that XXXX recertification would be pushed to XX/XX/XXXX and anyone who already certified could rollback their payments. NelNet denied my request. On XX/XX/XXXX I called again. I spoke to XXXX ( employee number XXXX ). NelNet again refused to rollback my payments.
Consumer complaint received 2021-02-03
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (AL)

When the COVID first started, three weeks later I told them that my mother had passed do to COVID and said they was sorry and that, put lately they been forcing me to pay XXXX on a close account, after I told I couldnt afford it due to the money I have, but they keep trynna forced me to pay and they said they was gon na sue me if I didnt pay the full amount
Consumer complaint received 2020-01-26
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. (AZ)

I have several items on my report with Transunion that can not be disputed because their site doesn't function properly. I've had them cleared by XXXX   but TU is completely ignoring the complaints that their site isn't working. I've paid XXXX XXXX XXXX the full ( listed as Professional Finance ) {$140.00} and XXXX XXXX ( listed as XXXX  XXXX  ) {$130.00}. I closed my XXXX XXXX card myself and never was late ever. But I can't get any of it corrected.
Consumer complaint received 2023-06-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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. (TX)

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Consumer complaint received 2022-10-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (FL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to you, as I was a victim of wire fraud during a real estate transaction recently, and I was unable to get information regarding my claim until an email was received today from Wells Fargo, with incorrect information and stating that I would not receive my money back. Prior to today, XX/XX/2022, every time I called I am transferred a minimum of 7 times, and everyone states that they can not help me and need to transfer me again. After an hour of this or more daily, I hang up. I also have had Wells Fargo employees telling me different things, and some who have stated that they can not find the claim. I have emailed the Board of Directors at Wells Fargo last week, and still not one of you has had the decency to contact me regarding this matter. Today, I spoke with XXXX XXXX. To follow up on the email I received and explained that I had wired the money on XX/XX/2022, and on XX/XX/2022, I reported that the title company that the money was sent to, just notified me that they didnt receive the money and report that the wire instruction email was intercepted by fraud.. XXXX stated that the records show that it was reported that I notified them on XX/XX/2022, and there was nothing else they could do to help me. That {$18000.00} was my entire savings and I am currently homeless, have no money and in a state that I recently relocated to. I have been in tears daily, explaining this over the phone or in person to Wells Fargo employees, and nobody will help me. I was initially told by your Wells Fargo that I would receive my money back in a maximum of 10 days, and that was on the day reported, XX/XX/2022. however, It has been much longer than that and I can not even receive an update. The FBI was notified after I was aware of the situation too. This is ridiculous and horrible customer service, and I need I am definitely going to remove the little bit of money I have in Wells Fargo and transfer to a better bank ; Wells Fargo has been incompetent and not following their own CODE OF ETHICS. Why would anyone want to have their money in your bank when this is what happens. Banks are supposed to protect customers and treat them with respect and as a human being and protect their money when things like this occur. I have spent so much time and energy on this issue and have not received any further information than was given to me the day that I reported the claim. This situation is extremely stressful, and Wells Fargo has just made it much worse than it needed to be and they are not assisting me with this situation. I would appreciate anything you could do to help me or guide me in the right direction, as I lost my entire savings. 

Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-09
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Santander Consumer USA Holdings Inc. (MO)

I have attempted to correct the late payments in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX that are inaccurately reported on my credit report. I have made numerous call and email requests for over a month and have also sent a letter in the mail. I'm continuously being ignored.
Consumer complaint received 2022-01-12
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 


This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account futher violating FDCPA 809b per the FTC opinion
Consumer complaint received 2021-06-01
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: VALLEY NATIONAL BANCORP (NY)

I have never. authorized any of the accounts below to report to my social security or credit report the XXXX, XXXX and XXXX : 1. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft VNB- LOAN SERVICES INC Account Number : XXXX This is not mine.
Consumer complaint received 2020-11-05
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: CAPITAL ONE FINANCIAL CORPORATION (PA)

I have fallen behind due to lack of work. My workplace had a tragedy and burnt down on XX/XX/2020 then this covid outbreak happened a week later. Me and my mom both lost our jobs due to the fire. And my unemployment exhauseted itself about a month or 2 ago now. Its XX/XX/XXXX so XXXX thru XXXX i couldnt find employment. Making 2 car paymemts a credit card payment and all the utilities for my house. is hard to pay for when we both lost our job and income stopped coming in.. the world stopped due to covid but somehow the bills just keep coming in when noones working its easy to get behind.
Consumer complaint received 2022-01-12
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: ECMC GROUP, INC. (TX)

I was informed in XXXX of XXXX I had three defaulted student loans from XXXX. I had nor graduated from high school yet. These loans are not mine! The debt collector, ECMC has inky provided four pieces of documentation along with one forged promissory note. The bank said I did not have an account with them. I am unable to attend school due to this. I am submitting the identity theft packet with this complaint. ECMC has not verified this alleged debt in over 90 days.
Consumer complaint received 2018-02-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

I have been disputing with all major bureaus against inaccurate and unverified collection accounts on my credit reports. I have sent letters asking for verification and method of investigation for verification for the collection accounts listed below. I have also sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to collection agencies. I have yet to receive any response from either any of the bureaus or any one of the collection agencies. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. 

Also, the bureaus have been reporting collection agencies own the same accounts. With Experian, as of XX/XX/18, it shows that XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00} and XXXX XXXX collection agency owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/18, shows that XXXX XXXX collection agency owns XXXX XXXX at {$360.00}, XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and XXXX XXXX XXXX collection agency owns the same XXXX XXXX account listed with XXXX XXXX at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months. I listed the inaccurate and unverified accounts below. 

Experian - as of XX/XX/18 - XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX XXXX collection agency - XXXX XXXX - {$360.00}. 

XXXX - as of XX/XX/18 - XXXX XXXX collection agency - XXXX XXXX - {$360.00}. XXXX XXXX XXXX collection agency - XXXX XXXX - {$1200.00}. XXXX   XXXX XXXX collection agency - the same XXXX XXXX account that listed with XXXX XXXX collection agency - {$770.00}.
Consumer complaint received 2018-02-12
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Reliant Capital Solutions, LLC (CA)

As of XX/XX/XXXX, I do believe, I am a victim of Identify Theft, and I would like to press charges against this person, and have her or him arrested!! who used my personal information, my Social Security number, my name, my birthday and addresses, to obtain personal gain, of {$1000.00} at XXXX College, California from XX/XX/XXXX to XX/XX/XXXX, per collection agency, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, Ohio XXXX, Phone # XXXX, They said I lived at this address in XXXX XXXX, California. I nevered in XXXX XXXX ever! I live presently, in XXXX XXXX the last 5 years, previous, I lived at this other address of 25 years here in XXXX XXXX. I have not attended college, since 30 to 35 years ago, I paid off my student loan numerous years ago, of {$500.00}. I am almost XXXX  years ago, and ready to retire soon of my Present position of 28 years, for the XXXX XXXX, here in XXXX XXXX, California. I Called ( 3 ) Times to the collection agency XXXX XXXX XXXX to request letter stating to compare the signature on loan document or check, when I receive this, to contact them, so I can hurry and catch this person using my personal information. The collection agency stated he can not send this letter out until 6-8 weeks. Stated this was protocol per their company. This was wrong! He could of made a copy and sent this to me! I asked him either to email me or fax to me or even send certified! He said no! I heard from someone that worked for another collection agency, and also a police officer here that worked in XXXX XXXX, A Police officer, XXXX stated that's " XXXX '' he is wrong! He can make a copy and sent it to you right away!, he also told me to ask for a ( his ) supervisor for that Collection agency. So Now I get a letter from the Department of The Treasury, stating that instead of supposing to getting my federal of {$3600.00}, no, that we applied your payment of {$910.00} to the following agency U.S. Department of Education. I tried calling the Department of Education one week prior to this, to flag this, and Entered my Social security number at prompt, the recording stated to contact XXXX XXXX   XXXX for this, I had good credit before this person robbed me of my personal information. I cant even sell my house now, or purchase a car for my son because of this. I think this collection agency is not honest or fair to their clients. I would like to report them. Now I am having bad headaches, I am becoming ill, my XXXX XXXX is rising because of this and I am going through mental anguish, and I am getting stressed out behind their inadequacies. I would like to report this Collection agency. Please contact me A.S.A.P. and let me know where I can get the right help! 
Thank you
Consumer complaint received 2024-03-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A. (NY)

Me and my mother went to Citibank branch in XX/XX/year> and been told that our account are blocked. But all we do is used XXXX to transferred money from my another bank account. Then few days ago, I received an email from Citi saying that " Based on a recent review of your account, we found that you have violated the terms per the client manual. '' Well, I said fine. After 3-4 months I finally received some of my money. But there's still {$1300.00} balance in my account, so I patiently waited 3-4 months, and I still didn't receive anything from Citibank. So I went to the branch again and been told that my money " stuck in the middle and I have to contract XXXX  XXXX XXXX to " File Hold Harmless Claim '' so they can return my remaining balance to the originally account. I said fine. then I called XXXX  XXXX XXXX, but the representatives expect the Citibank to contract them directly. 

Since I did what I can, So I'm submitting this complaint.
Consumer complaint received 2021-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A. (OH)

My balance as of XX/XX/XXXX was approximately XXXX. I made a {$740.00} payment that published on XX/XX/XXXX. I could not see the reduction in my total owed on my credit card and the amount owed is now over XXXX. I called on XX/XX/XXXX and asked for a detailed description of my credit card statement showing the increase and decrease balance based on each purchase, payment, and fees and was told that I can't get it. I can only look at my last months statement balance and add up and subtract each transaction using a calculator. I don't get balance statements in the mail and you can not see total balance per month online. I want a monthly statement showing my accrual and reduction of my balance based on each transaction so I can better understand what is happening. I feel like this practice creates a huge blind spot for consumers that encourages fraud and nefarious practices by the bank.
Consumer complaint received 2021-06-08
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: SUNRISE CREDIT SERVICES, INC (TX)

I recently received a copy of my credit report and upon review I found an account that is not mine. The account is SUNRISE CREDIT SERVICE and the original creditor is XXXX XXXX with a balance of {$730.00}. I live in Texas and have lived in Texas since the XXXX. I have never done business with XXXX XXXX in my life. I do not know where this account came from but it is not mine.