davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-06
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: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

To someone in a position of authority, I am making a formal complaint because Nissan INF LT has placed information on my report without my consent, and without validating the debt. I reached out to this company over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with XXXX and XXXX ; I made a formal complaint with XXXX, and XXXX  and both companies failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my XXXX and XXXX reports within 5 days, or I will move forward with litigation and remedy. I also demand that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Consumer complaint received 2024-03-13
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc. (WA)

I've tried contacting XXXX since XXXX. I contact them in XXXX of XXXX, in XXXX of XXXX, in XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. 

When I contact XXXX, they tell me they don't have any financial information about this recurring charge ( Monthly Subscription Premium Support : XXXX Technical Support and Monthly Subscription Premium Onsite Service After Remote Diagnosis ). They tell me I need to call Comenity Bank. I've spoken with several representatives who then direct me back to XXXX because they have no information. I spoke with a supervisor in XXXX of XXXX who advised I could dispute the charges, but I'm still getting charged. There's a note on my XXXX XXXX XXXX stating this should've been cancelled as of XXXX of XXXX, but I was just charged and will be charged again on XX/XX/XXXX. There is no way to end this, and nobody has information.
Consumer complaint received 2017-10-06
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I financed {$28000.00} through Navient ( previously XXXX XXXX ) with disbursement date of XXXX/XXXX/XXXX. Interest rate at 10.250 % I 've been contacting the company inquiring why my balance is still the same as it was when I began payments in XXXX. I 've gotten nowhere with them with regard to detailed explanation. 
As of XXXX/XXXX/XXXX, my balance was still {$28000.00} which makes no sense to me. 
On XXXX/XXXX/XXXX, I refinanced the loan through navient to get a lower interest rate of 6.350 %. 
My payments through navient on this private loan do not seem to have been allocated properly. Please help as I do n't know what else to do. I 've been paying for 8 years on this loan and I do n't understand why the balance remains the same.
Consumer complaint received 2015-05-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The CBE Group, Inc. (PA)

The CBE Group is continuing to harass me with another letter claiming I owe a debt to XXXX that was paid in XXXX. The amount was leftover balance from a previous account that was closed by XXXX when I made some account changes. I have been a longtime customer and XXXX simply issued me a new account number. Despite sending them a copy of the paid invoice and a letter fated XXXX XXXX, 2015 warning them not to pursue this matter, I have received another letter ( copy attached ) attempting to collect a phantom debt.I want this company censured and fined. I would like to be personally compensated for the maximum amount due to CBE 's negligence and possible damage to my credit.
Consumer complaint received 2021-07-06
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: PNC Bank N.A. (NY)

I am a victim of identity theft. The account was opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2017-10-06
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. (MD)

i try to dispute this trough equifax severals times, specially my last dispute on XXXX XXXX was ignore, XXXX XXXX was ignore as well ( i even send the other party a letter on XXXX XXXX as well ) none of them reply : i tough they all should follow the law, none of was in compliance. ( see attach doc ), sometime they put the account as installment sometimes they reported as collection? this is account was never late ( i been paying my duty since XXXX and it was come in from my work directly ). i was never been notify by the company about any discrepancy, please assist.
Consumer complaint received 2021-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Merchants and Medical Credit Corporation, Inc. (MI)

THIS IS NOT BEING SENT BY AN UNAUTHORIZED THIRD PARTY. On XXXX certified mail was sent to remove all alleged debt reported without my ( the consumers ) consent to XXXX, XXXX and XXXX who then forwarded it to M & M Credit in regards to this alleged debt. On XX/XX/21 the alleged debt was removed and the balance was decreased to XXXX. Exhibit is attached. 
I am filing a complaint ; as my rights have been violated. I am also looking for monetary compensation of no less than the amount of {$5000.00} for the distress it has caused both myself and my family for but not limited to XXXX FEDERALLY PROTECTED CONSUMER RIGHTS VIOLATIONS. 1. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be violated by the communicating of any credit information that is known or should be known to be false. There is no proof nor validation of this debt. Therefore, it SHOULD be known to be false in accordance with the above. In addition, I have never been presented with any affidavit that would provide validity to neither you nor the alleged debt collectors assessment. 2. According to the Fair Debt Collection Practice Act debt collectors must not use any false nor deceptive/misleading representation. None of the alleged debts have been validated nor represented by the original creditor. And there is reason to believe these alleged debts were sold. If these alleged debts were indeed soldWhere is the proof of the alleged debtors approval? This too is a violation of consumer rights. 3. According to the Fair Debt Collection Practice Act I as a consumer have the right to privacy and my privacy has been breached. According to my credit report, there has been alleged debts published without my permission; using my name and personal information by which to do so. 4. According to the Fair Debt Collection Practice Act I as a consumer have the right to not be harassed, oppressed or abused in connection to any alleged debt. The publishing of this false information has done all of such. It has prevented me as a natural person from my rights to attain both material and physical comforts in order to safely and effectively support myself and my family. It has caused abuse by-way-of embarrassment due to the constant declination I have faced when trying to pursue this said right. It has sabotaged both my name and my creditability. 6. My social security card with its attached number would have had to be used to transact any of the alleged debts listed. Therefore, serving to be yet another violation of my rights as a federally protected consumer.
Consumer complaint received 2022-08-11
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX  XXXX XXXX
Consumer complaint received 2022-01-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group (GA)

CKS Prime Investments LLC/ CKS XXXX XXXX Is continuing to report fraudulent information to credit bureaus stating that i ( XXXX XXXX ) owe them {$1000.00} for a collection account in which the original creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After i sent in request them to validate the debt with verifiable and accurate completeness by send me the contract bearing my signature as proof that the account belongs to me. I also made them aware that i am a victim of identity theft and fraud. I sent a copy of the police report as proof of my identity being stolen. they responded by mailing me a letter with just account details such as amount and account number. they failed to validate any debt claimed to belong to me. There was no signed signature bearing my name. I contacted them after receiving the letter and made them aware that they failed to properly validate the debt. They refused to delete the fraudulent account.
Consumer complaint received 2017-10-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Equitable Acceptance Corp (IN)

I was talking with my student loan provider, XXXX XXXX and they suggested that I call you to report XXXX XXXX due to the fact that they charged me {$1300.00} to consolidate the loan where it could have been accomplished free. 

They set me with XXXX XXXX for the loan consolidation fee of {$1300.00}. Additionally, I am charged 21 % interest. 

I was initially contacted by XXXX XXXX via phone to refinance and to consolidate my student loan. 

At no time, did they tell me that I could go directly to XXXX XXXX and re finance for free. 

XXXX XXXX was outraged this happened and suggested I report is to prevent this happening to future unsuspecting victims.
Consumer complaint received 2021-07-06
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. (TX)

To someone in a position of authority, I am making a formal complaint because The Department of Veterans Affairs has placed information on my report without my consent, and without validating the debt. I reached out to the department over 4 months ago and I still have not received a response. I informed them that they were violating 15 U.S.C. 1681a ( 2 ) ( B ) as they were supposed to exclude information from my report that was authorized by a credit card. I informed them of this violation and they have not responded to my correspondence. Additionally, I asked them to validate the debt they are reporting on my consumer report with Experian and XXXX ; I made a formal complaint with Experian, XXXX, and the Department of Veterans affairs and they all failed to show proof that this debt that they are reporting belongs to me. Because they failed to validate the debt with sufficient proof, they are in Violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. If I continue to be ignored about this matter I will proceed to seek litigation and remedy for {$1000.00} per violation for defamation of character, Negligent Enablement of Identity Fraud, and Violations of 15 U.S.C 1692g. I demand these accounts be deleted from my experian report within 5 days, or I will move forward with litigation and remedy. I also demand that that an updated report be mailed to me. Any actions taken to hinder my consumer report will also result in me seeking litigation and remedy. Thank you.
Consumer complaint received 2020-11-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Jon Barry and Associates, Inc. (NC)

There saying I owe XXXX to the XXXX XXXX Ive always paid I also have a XXXX  one credit card for any balance I called the XXXX XXXX  they said they didnt have any record of me being behind the two credit investigated and removed it from my report but XXXX refused
Consumer complaint received 2017-10-06
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: KEYCORP (NY)

I received a letter last week about a checking account being charged for inactivity for months. I had no idea I even had this account with KeyBank, as I closed out all of my accounts there months ago. I went into the bank to investigate, as I have had many online account opened not by me at this bank previously. The branch member told me he would investigate and get back to me. A couple days later he contacted me saying he could n't find any info about it. I informed him that I received a bank statement for this account. He looked it up and informed me it was opened online out of a branch in XXXX XXXX and told me the name of the person. I do not know this person. He told me he would further investigate. I did not hear back from him so I tried to contact the Fraud Department, which Customer Service after 25 minutes would not transfer me to. The branch member contacted me and stated I needed to come in and file paperwork with him directly. He would try to get the maintenance fees and inactivity fees refunded and then close the account and give me the balance, but only once it is confirmed by the fraud department. I have taken multiple vacation days to deal with these issues. I now may be out {$580.00}, and still nothing is settled. I had asked them months ago to put in place no online accounts be allowed to ever be opened, but it seems that did not stick. They keep insisting I must have identity theft, but as I had to purchase XXXX because of this, no other activity has ever been found.
Consumer complaint received 2017-10-06
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. (NC)

My purse was stolen out of my car in a XXXX parking lot ( XXXX, NC ). I did not do a police report at that time. After recently pulling a copy my credit report I noticed that there are quite a number of medical debts that are n't mine. I immediately contacted the collection company who did not help me and then I contacted the credit bureaus. I disputed all items asking that signed documents be shown as proof that these charges belong to me. I have not received any original signed contracts to prove that these accounts are mine because there are none. I was told to get a police report but the years in between now and then of coarse that was impossible. I understand that each bureau reports differently however truthfully these accounts do n't belong on any of these bureaus credit report for me. I have attached my FTC Identity Theft Report Letter as well as the letter that I sent to XXXX and Transunion XXXX/XXXX/XXXX. These accounts are making my credit bad and hurting my credit credibility. I have been trying to have these accounts removed for about three months now. This is unfair to me and I really need it to be fixed.
Consumer complaint received 2020-11-12
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. (FL)

These are private loans that XXXX credit services has Been trying to collect, they sent a promissory note with the wrong drivers license, not with my full name, and on the signature part my name is typed. These private student loans that this company is trying to collect on I fraudulent, they were deemed fraudulent by the department of education, they have been removed from my credit bureau three times, this company has failed to validate this debt. I need it removed, besides all the information is wrong, this loan is fraudulent, it is out of the statue of limitations.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upgrade, Inc. (CA)

On XX/XX/2022, I recieved notification of a fraudulent credit card being authorized in my name for the amount of {$22000.00} with a company named UPGRADE. I did not authorize this and have notified the company however they stated that they could not Clos the account at this moment. This company does not have my approval to carry out such contract and I would like for it to be removed immediately. I have screenshots of the email that was sent to me. I have also recieved notification that a lease line of credit has been taken out in my name with XXXX in the amount of {$1400.00}. My claim of detachment listed above applies to this company as well.
Consumer complaint received 2022-01-06
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. (OH)

This account is inaccurate XXXX XXXX # XXXX. The Last date of Activity, Payment Status, Payment History, Account Type - Detail shows " REVOLVING '' but in Experian appears " CREDIT CARD '' and an FCRA violation. Please remove this inaccurate account from my credit report.
Consumer complaint received 2022-01-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Commercial Acceptance Company (PA)

I was transported to XXXX XXXX from my home by XXXX XXXX XXXX company. on the way to hospital the billing information was given. Medicare plus a supplemental insurance. I never received a bill from anyone. On XX/XX/XXXX at XXXX Pm I received a call from Commercial Acceptance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX. The woman on the phone started off aggressively screaming at me that I owe them {$2300.00}. I told her there must be some mistake that both Medicare and my supplement insurance would have covered it. It has in the past. She started screaming very loud if you don't pay me right now i will put this on your credit report. I told her if you keep screaming at me i will hang up. she continued so I hung up .... XX/XX/XXXX at XXXX XXXX I called XXXX XXXX 's office I spoke with XXXX XXXX XXXX XXXX. ( He can be contacted for the communications between him and Commercial Acceptance. ) XXXX advised me that the ambulance billing company never billed the invoice they held it then sent it on to collections, XXXX XXXX billing department. supervisor 's name XXXX XXXX XXXX. XXXX has been in constant contact with Commercial Acceptance. Commercial Acceptance has continued to refuse to remove the information from my credit report even after they have been told from both XXXX  and the billing office the invoice has been paid. XXXX at my direction has been weekly contacting them to have it removed. as of today XX/XX/XXXX XXXX am, it has not been removed. I'm formally requesting that you have someone look into this. Thank you.
Consumer complaint received 2017-10-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I closed my capital one account on XX/XX/XXXX. I was told by them that I had to bring my account to date to use my miles. I paid the {$100.00}. I then paid the amount they gave me that would XXXX out my account as of the end of that day. I paid {$1600.00} and I was told by capital one that my air miles had a cash value of {$280.00}. That brought my account to XXXX. I asked them on a recorded line to not allow any more charges on my account as that account was now closed. Everyone agrees at this point it would have been a XXXX balance. They allowed charges after XX/XX/XXXX. They also reneged on the air miles without ever telling me. I found out in XX/XX/XXXX that the account was never closed. I disputed the charges on XX/XX/XXXX. In XX/XX/XXXX I was told they were going to review the tapes and get back to me. Even though they acknowledge that I told them in XX/XX/XXXXto close the account. The decision did not go favorably for me and I was never notified. What has happened here basically is Capital One has stolen my air miles that they said I could convert back in XX/XX/XXXX. 
I applied for a mortgage the first week of XX/XX/XXXX. I was notified at that time that my credit score was  affected by this Capital One issue. Capital One never contacted me with the result of the dispute. I called them immediately to resolve the issue. I offered to pay the charges and deal with the vendors for a refund- even after I told them not to allow charges and did n't feel I owed them. I felt as though they were extorting from me and using my credit report as leverage. I told them I would not pay for my air miles which was cash that was mine that was not refunded. I told them I would not pay late fees and interest. They were unwilling to work with me in any way.