davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Management Inc. (TX)

Receivable Management Inc. has reported a negative item on my XXXX credit report which is inaccurate as XXXX XXXX and XXXX do not report this information. I asked the company to validate the debt and they sent me an invoice from XXXX XXXX XXXX which show multiple tests with my name as the patient but I did not receive these tests. 

There are NO documents with my signature, drivers license or requests for any of the tests on this sheet which total {$790.00}. 

There is no outpatient information showing any results of these tests nor any treatment information on the sheet which I requested to validate the debt. This debt is not valid. 

Please remove this debt from my XXXX credit report immediately. Thank you
Consumer complaint received 2017-02-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Earnest Inc. (WA)

I submitted a payment in XXXX 2016 for {$2500.00} that I intended to use towards my student interest deduction on the 2016 taxes. Earnest, my provider, did not process the payment and has admitted fault for the error. I have asked Earnest to pay me the deduction amount since I can no longer make the claim on my taxes ( I had no other student loan payments in 2016 ). They have refused to do so.
Consumer complaint received 2022-07-19
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A. (NY)

I alerted Citibanks wire transfer department on Friday, XX/XX/XXXX I was frauded with a wire transfer of {$6000.00} from my checking account within XXXX min from incident. Citibank didnt take recourse in time by 1/ communicating to the fraudsters bank to freeze their bank account and 2/ managing secure validation procedures for a wire transfer to be processed. The security validation for the wire transfer is the SAME for all transaction types. The fraud event happened because the fraudster tricked me into believing he worked with Citibank as a fraud XXXX to validate a {$500.00} transaction. By having my last four digits of my social and my debit card number, the money is gone. 

Due Citibanks slow response time and investigation, the funds have likely been withdrawn by the fraudster.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Commonwealth Financial Systems, Inc. (IN)

I did a dispute on XX/XX/XXXX for a {$1300.00} and {$290.00} bill with XXXX XXXX for having health insurance on XX/XX/XXXX well I guess the insurance won't pay. So therefore I have a bill of {$1400.00} they already have it for {$1300.00} XX/XX/XXXX, {$290.00} on XX/XX/XXXX for XXXX, on XX/XX/XXXX comnwlth Fin put a {$1400.00} collection on my credit making it go down 28 points so I have the same bill twice but the new one from XX/XX/XXXX shouldn't be allowed to have a bill that is already on my credit just making it show up 2. So I need the {$1400.00} removed cuz it's something that is been on for 6 years almost. Thanks XXXX XXXX
Consumer complaint received 2016-03-02
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Financial Systems, Inc. (TX)

I called the company commonwhealth they report it a collection on my credit report and when i called to know who was it and what for was the debt they did not find any information on me and could not find anything all so i ask them why are you reporting false information if you dont know who em i so i ask to remove that collection and they said no until they find out what happend
Consumer complaint received 2022-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: PENTAGON FEDERAL CREDIT UNION (AL)

Hi- I have been receiving credit/loan denial letters in the mail at my current home address from multiple banks and credit unions where someone has attempted to apply for a loan in my maiden name. I checked my credit report and placed an initial fraud alert on my credit through XXXX. I'm afraid someone has my social sec #, current home address, and definitely my maiden name, XXXX XXXX. My name is now XXXX XXXX XXXX ( married in XX/XX/XXXX ). There are upwards of 11 soft inquiries on my credit report, most of which occurred on XX/XX/XXXX and XX/XX/XXXX. The last time I applied for credit ( myself ) was through XXXX XXXX  ( XXXX ), when I opened a credit card to purchase furniture. I am concerned about my finances, credit score, etc. My credit is very volatile because I do not have many open lines of credit, and my mortgage is in my husband 's name and my car is paid off. These inquiries have dropped my credit score by XXXX points. Please advise me on what to do. Should l place a credit freeze with all 3 major credit bureaus? Or is the fraud alert enough to keep me safe? Also, is there anything I can do to dispute these inquiries and raise my credit score?

There are 3 loan applications from XX/XX/XXXX ( that were not me ) made at PENFED Credit Union. Personal Loan Application # XXXX, XXXX, and XXXX ( see attached letters ). Wondering if they have any knowledge if these applications were done online or in a branch. What are their requirements for applying for a loan? I'm trying to understand what information someone has of mine. Ex. ) old driver 's license, piece of mail??? 

Thank you, XXXX XXXX XX/XX/XXXX Cell : ( XXXX ) XXXX
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

Please see letter dated XXXX/XXXX/15. My mortgage for acct # XXXX is auto draft each month. I paid XXXX XXXX XXXX XXXX tax XXXX/XXXX/15 from my checking account at Bank of America. I also paid said tax to the same school district, the same time for XXXX other accounts, no problem with the taxes paid for properties : XXXX XXXX XXXX XXXX XXXX Texas XXXX and XXXX XXXX XXXX XXXX Texas XXXX. 

Bank of America in XXXX 2015 started an escrow account and funded it with part of my loan payment thereby making my XXXX and each month after late. Please see list enclosed. 

This is affecting my ability to get a loan, Bank of America turned me down for a loan citing late payments on my credit report that they refuse to remove even though they wrote me a letter saying otherwise. I would like the bank to fix this immediately and post a letter at all credit agency and mail me the same letter certified for my files.
Consumer complaint received 2015-04-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Solidus Group LLC. (PA)

XXXX Solutions called my sister on both her home phone number and her cell phone number, and proceeded to leave a lengthy message about their attempts to collect a debt in my name that was allegedly attached to XXXX Bank. I am not with XXXX Bank, and have not been with them for around XXXX years now. They also called my parent 's home phone, without leaving a message. The number left was XXXX. I have been harassed by multiple scam groups in the past year and have researched some of the laws involved and how they conducted themselves seemed illegitimate. I owe money to varying groups, and I am in contact with each and every group I do in fact owe, and have paid or am in the process of paying the debts that I owe. I have never XXXX dealt with a company called XXXX Solutions, or recieved any letters regarding any intent to collect a debt from said company. As I said, this is not the XXXX time I have been the victim of scam calls, and I am not foolish enough to speak to or give any information to these groups anymore. I will only ever deal with a legitimate business that conducts themselves as such. Every group I deal with contacts me via certified, confidential mail, not threatening voice mails on family phones. I have attempted to submit complaints on previous groups before, including Delaware Solutions, LLC, who still occasionally attempts to bother me as well, but this is the XXXX time I am following through with a complaint, because I am absolutely out of patience in being harassed like I am. It feels like extortion. It 's definitely harassment. 
I dislike that they obviously have personal information about me, as they are contacting my family, and it frightens me that these people may be criminals and may have more sensitive information that I would not know about. Like I said, I screen the calls, and have a call blocker, but I would very much like to see something done about scam groups like this, if not for people like myself, then for others who are tricked by these people into giving them money.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database. 

" XXXX XXXX XXXX XXXX '' " 2 Year Payment Description : '' " History Account '' '' XXXX XXXX XXXX XXXX XXXX '' '' Account # : Account Status : '' '' XXXX Open '' " Account Type : '' '' Mortgage '' '' Balance Owed : '' XXXX " Credit Limit : '' XXXX '' Creditor Remarks : '' '' - '' " Creditor Type : '' '' XXXX XXXX XXXX XXXX '' '' Date Opened : '' XXXX " Date Reported : '' XXXX '' Date of Last '' XXXX " High Balance : '' XXXX '' Last Payment : '' XXXX " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : '' " XXXX XXXX '' " 2 Year Payment Description : '' " History Account Account Type : Credit Limit : '' '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} '' '' Account # : Account Status : Balance Owed : Creditor Remarks : '' '' XXXX Open {$39000.00} - '' " Creditor Type : '' '' Auto Loan '' '' Date Opened : '' '' XX/XX/XXXX '' " Date Reported : '' '' XX/XX/XXXX '' '' Date of Last '' '' XX/XX/XXXX '' " High Balance : '' XXXX '' Last Payment : '' '' XX/XX/XXXX '' " Past Due Amount : '' XXXX '' Payment Amount : '' XXXX " Payment Status : '' '' Current '' '' Term Length : '' XXXX " Activity : ''
Consumer complaint received 2024-03-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK (MD)

XXXX XXXX has run my credit multiple times without my knowledge on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX discover has access my credit without my knowledge on XX/XX/XXXX and XX/XX/XXXX
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (OH)

They are reporting inaccurately to all three credit reporting agency the allege amount that is owed. when i ask for a valiation they sent me statements and the states say that the allege debt is XXXX but reporting XXXX the next on is XXXXand they are reporting XXXX and the last one XXXX and they are reporting XXXX.
Consumer complaint received 2022-02-04
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: Experian Information Solutions Inc. (AR)

You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.
Consumer complaint received 2015-06-16
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Solidus Group LLC. (UT)

I wrote a complaint on XXXX/XXXX/2015 regarding the collection practices of Delaware Solutions LLC. Today, XX/XX/XXXX, XXXX XXXX from Delaware Solutions called me again and stated that I 'm being served papers today if I do not pay a past due amount on a payday loan taken out XX/XX/XXXX. I told XXXX that I know my rights under the FDCPA and that I 'm requesting debt validation in writing and I have the right to dispute the validity of the debt. XXXX stated that they have already proven that it is my debt just because they have my social security number and email address. I informed him that I have sent a cease and desist letter and he stated he will continue to call me everyday to get a payment regardless of the letter. He then called me a XXXX who sounded like an XXXX and did n't know the laws. He continued to call me stupid as a recited my rights as a consumer. He then told me that I was going to be arrested and will serve time in jail for the unpaid debt. I informed him that he was breaking the law by using abusive language and by threatening jail time and he stated he was not. I hung up the phone, he immediately called back yelling at me that I was going to jail.
Consumer complaint received 2022-02-04
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: BARCLAYS BANK DELAWARE (AZ)

A woman from XXXX Barclaycard extorted 29.1 % of my monthly social security check in XXXX and XXXX of XXXX. She falsely claimed the post office had lost their billing and she would lose her job if I did not make " late payments ''. She assured me " we will give it back if we made a mistake ''. My written documentation of my checking account payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to my XXXX Barclaycard account XXXX XXXX XXXX XXXX expiration XX/XX/XXXX have been ignored. However, XX/XX/XXXX an employee named " XXXX '' denied the extortion and said " Prove it '' as if XXXX Barclaycard 's extortion did not occur. XXXX did say the account would be turned over to " collections '' in XXXX of last year. I look forward to a reputable collection agency recognizing this extortion as a violation of The Fair Credit Billing Act 15 U.S.C. 1666-1666j. This extortion caused my to miss minimum payments on other credit accounts. Finally, my records show a payment of {$67.00} every month by the XXXX of the month to my account ending in XXXX. XXXX Barclaycard stopped sending me billing for " non payment '' which has never been true, and my checking account records show otherwise.
Consumer complaint received 2016-08-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (FL)

Recently, I filed bankruptcy. I have elected to keep my vehicle. To be proactive, I contacted the finance company, Santander to obtain more information regarding the process. After speaking with 3 separate representatives I have received 3 separate answers with how to resolve this situation. The final answer I received was for my attorney to contact Santander 's attorney so that the attorney 's could develop a possible plan. I was provided with a number for Santander 's attorney and then provided the number to my attorney. My attorney has contacted Santander 's attorney and to date has been unsuccessful with receiving a return call in order to begin discussion about this matter.
Consumer complaint received 2022-07-20
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2017-03-19
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (GA)

My XXXX vehicle was repossessed on XXXX. I received a certified letter on Saturday, XXXX XXXX from Santandar Consumer USA Inc. dated XXXX that I had " under Georgia Law , you have the right of redemptionand the right to demand a public sale of the Vehicle. To exercise your right to demand a public sale, you must notify us that you want a public sale within ( 10 ) days from the date of we mailed this notice. You must send the notice by registered or certified mail or statutory overnight delivery addressed to Santandar Consumer USA Inc., XXXX, TX XXXX. '' My complaint to your agency is that Santandar purposely and knowingly timed the attached certified letter to be received on the 10th day after their letter was generated causing the ability for me to respond and exercise my rights under Georgia Statue for a public sale not possible. On XXXX after arriving back from a business trip I have sent Santandar Consumer USA Inc. a certified letter Priorty Mail demanding public sale of said vehicle. My question is how can anyone respond to this timing of their letter being received on a Saturday afternoon. My second question is why did Santandar send this certified letter on XXXX and not earlier knowing that time of essence is essential to get fair market value of said vehicle. I want to know if this has or is happen to other complainants.
Consumer complaint received 2016-05-24
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: WINN LAW GROUP, APC (CA)

I received wage garnishment at my employer from Winn Law Group collecting alleged debt for XXXX XXXX. They claim the filed a judgement against me but I have no knowledge or documentation regarding this alleged debt. They claim I was served but documents and proof of service claims they served a XXXX XXXX who does n't exist and I have no knowledge of who that person is. I asked for debt validation from Winn Law Group or XXXX XXXX and they have failed to provide it. I just want clarification on this alleged debt. I have attached documents that Winn Law Group has provided along with false proof of summons fromXXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Please help me to get these companies to comply with debt validation and have them investigate. Thank you
Consumer complaint received 2016-02-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (WA)

my co-signer and I had a loan through Santander consumer usa for over two years and kept our end of the contract and paid every month on time. they reported the payments to the credit bureaus. Then I went bankrupt for medical reasons but continued to pay the car loan on time and signed a reaffirmation agreement. they took the entire loan off my co-signer and my credit report and stole any credit i have earned. My car got financially totaled and my car was paid in full after the reaffimation court date. santander refuses to put any of my good work on the credit report. I more than kept up with my end of the deal and they worked hard to not do part of there side of the deal. I have proof and paperwork but no way to upload it onto my computer just ask and I will send them if needed.
Consumer complaint received 2024-02-15
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

This bill is fraudulent and I dont owe it. I was billed for a carpet that was flooded multiple times caused by a leak in a condo unit above. The enclosed pictures clearly show the leak coming down from above ruining my personal possessions. 
I have all the pictures and emails reporting it to the condo office and their responses saying they are trying to find it and fix it. The condo rules say that the condo above is responsible. 
They owe me money for my damaged personal property. 
I keep having to have this removed as they keep selling it to another collection agencies and put it back.
Consumer complaint received 2022-02-07
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: BOK FINANCIAL CORP (CO)

We engaged BOK FinanciaXXXX for an XXXX Commercial Property Loan to purchase a commercial property. We closed on XX/XX/2021. 

Since closing - A ) All statements / monthly bills are being sent to the wrong address. I requested a change of address in written format via the form provided by BOK Financial over a month ago. I received no confirmation that the change of address took place. 
B ) I have reached out repeatedly to the lender to provide online account access for monthly payments. BOK does not respond to my requests and nobody can even answer the question about whether or not online bill pay exists. 
C ) There are late fees being applied to my account. However, since I have no access to the loan documents online and all of my mail is going somewhere else, I have no way to monitor or dispute the fees.