davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-14
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: United Recovery Solutions (WI)

XXXX XXXX XXXX Collector Company United Recovery. Called me numerous times at work. The following times that the company called me at work are as follows. XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and many more times. I can not receive during my work hours. The debt collector continued to stay on the phone and would not get off the phone. My job here at work is to answer calls from patients, doctors, nurses. This phone call from the debt collector ties up the phone so I can not do my job.
Consumer complaint received 2020-09-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Claims Bureau, Inc. (NY)

I received a random letter in the mail from " Professional Claims Bureau '' claiming I still owed {$47.00} to XXXX XXXX XXXX XXXX from a doctors appointment back in XXXX of 2019. This is false, there was no balance owed and I have a current balance of {$0.00} which is confirmed via their online billing site ( screenshots attached ).
Consumer complaint received 2020-08-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC. (TX)

This company changes {$5.00} to make a mortgage payment by phone or through their website. You flat you have to pay {$5.00} each time you want to make a payment, costing consumers unnecessarily if they want to pay their mortgage down early. This should be illegal. Ive had 3 or 4 mortgage companies over my life and have never been charged a fee to make a payment.
Consumer complaint received 2022-05-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc. (GA)

Hello, my name is XXXX. i have been going back and forth with XXXX XXXX XXXX as well as XXXX and XXXX Regarding unauthorized accounts on my report that I didnt authorize, these inquiries are on my credit report which i have submitted multiple FTCs to the creditors and Bureaus with no help. XXXX and XXXX and XXXX have all stated they needed a FTC to conclude the investigation which i have submitted multiple times with no assistance. We are on the verge of filing a lawsuit against XXXX for the violation of consumer act. This is total XXXX and I have been sending back to back letters with my attorneys. The accounts are as follows : MED DATA SYS ( Original Creditor : XXXX XXXX XXXX - XXXX ), MED DATA SYS ( Original Creditor : XXXX XXXX XXXX - XXXX ), MED DATA SYS ( Original Creditor : XXXX XXXX XXXX - XXXX ), MED DATA SYS ( Original Creditor : XXXX XXXX XXXX - XXXX ), i will be pursing litigation against them for fraud pain suffering! I also need removed inaccurate addresses, the addresses are as follows : XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX
Consumer complaint received 2020-01-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This is a collection account that i have no knowledge about and have no contract with. I have disputed this account numerous times with transunion, XXXX  and have not had any results based on information i have submitted. 

They have failed to respond to me within the time period allowed under FCRA act. 

There should also be no balance being reported on a collection account which means it should be deleted as not being reported accurately
Consumer complaint received 2020-09-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fay Servicing, LLC (TX)

Fay Servicing is reporting missing information, like loan number. No verification that I opened an account with them showing contract and signature. Reporting misleading information that consumer statement includes foreclosure initiated. I have never opened an account with FAY Financial. Statements and reporting from different addresses.
Consumer complaint received 2020-08-30
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. (WI)

I have contact the bureau monthly since XX/XX/2018 to present, to get them to investigate a public record on my credit report. I am a XXXX and share the same name with my father, I have asked them on a monthly basis to re-investigate their findings as my credit file may be mixed or merged due to a similar name.I have got the same " verified '' answer every month. I have contact the court system as well as XXXX XXXX and no one can or has provided me with documentation that shows that this account belongs to me instead of my father.
Consumer complaint received 2020-05-04
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: EQUIFAX, INC. (FL)

AFFIDAVIT OF TRUTH In response and correspondence too investigation results. These results are unlawful I XXXX, XXXX never entered into a contract with third party creditor therefore there has never been an agreement for debt. Produce an original contact that this creditor has produced to you. I also sent you an affidavit asking for the bonds of these banks, my affidavit ask for Freedom of Information Request & Request for Affidavit Certifying Affirmation of Statutory Obligation, Freedom of Information Request For SEC Registration Status & Securitization Inquiry Freedom of Information Request Regarding General Obligation Bonds-CAFR. according to the federal trade commission  regulation I have not seen these bonds produced therefore all of the debts being claimed must be removed from my credit report, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX have not proven to be operating correctly in commerce. This correspondence is being reported to the federal trade commission I look forward to the removal of all third- debt, non-bonded and Obligated creditors thank you. 
I am officially requesting the following : 1 ) You produce the original contract ( for Inspection ), front and back pages, with my original signature ( no copies ) in respect to the alleged contract and state for the record who the alleged original creditor was or Current holder of Original Contract is based on the preceding law 2 ) Provide an Affidavit Certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions 3 ) Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp of convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties. 
You are bound by law to provide this information upon a request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX   ACC # XXXX XXXX XXXX ACC  # XXXX XXXX XXXX ACC # XXXX XXXXXXXXACC # XXXX XXXX XXXXACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX   XXXX  ACC # XXXX XXXX XXXX XXXX   ACC # XXXX
Consumer complaint received 2020-11-20
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: EQUIFAX, INC. (TN)

Credit reporting agency is reporting inaccurate information on my credit report. I requested that this information be investigated and removed on XX/XX/2020. I has been 30 plus days and I have not heard anything from the credit reporting agency.
Consumer complaint received 2020-01-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF THE WEST (NV)

My debit card was hacked on XXXX.2020. I received a text from the bank asking if a charge in XXXX, Fl for {$790.00} was me. I wasn't and It was immediately shut down. At that time I only saw one fraudulent charge. The next day I went to get cash out and there was nothing in either my checking or savings account. I looked online to see what the problem was. There were two fraudulent charges. They only notified me of one. I found out at that time that they paid the first fraudulent charge of {$670.00} which they didn't tell me about. I called customer service to inquire why they didn't tell me about that one and why they paid it. I asked for provisional credit and they refused. I live on SSI and they took everything I had. I begged for them to understand this with no results. I waited a few more days and called again. Again, they didn't care that I had no money and said that I would have to wait the 7-10 days. Today I XX/XX/2020 and I still don't have any money. 
How can they do this to people. I very angry with this bank and feel this is unethical.
Consumer complaint received 2018-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

Equifax is not reporting one of my credit cards, the oldest one with higher limit, which hurts my score. My credit card, XXXX, says they report to all agencies, and it does show on my XXXX, but not Equifax. I tried getting a new card and they pulled my equifax report, I didn't get it and now have a new hard pull. When I tried calling to solve they said they wouldn't be able to do it over the phone and I would have to send docs via fax, which is absurd. They keep all our information, they lose it, they affect our life, and when we try to call them they don't help. It's amazing how much power you still give to the reporting agencies.
Consumer complaint received 2021-06-09
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. (NY)

Pursuant to FDCPA 1692c ( c ) ( 2 ) I am invoking my specified remedy as the consumer, and as the original creditor, I am demanding the following Pursuant to FDCPA 15 USC1666b TIMING OF PAYMENTS- Remove the 4 missed payments on my XXXX XXXX XXXX credit card ending in 9513. This is an open ended credit card. Pursuant to 15 USC 1692j, Experian, XXXX, XXXX, and XXXX XXXX XXXX are in violation. They are furnishing deceptive forms on my consumer report. Pursuant to 15 USC 6821, this is violating my customer privacy rights. Pursuant to 15 USC 6823, they are all eligible for criminal penalties. Pursuant to 18 USC 3571 ( c ), they are all eligible for federal fines. Pursuant to 15 USC 1692d, this is harassment and abuse upon my life.

If this is not removed, I will be invoking my monetary remedy pursuant to FDCPA 15 USC 1692k, in addition to criminal penalty under 18 USC 3571.
Consumer complaint received 2018-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (VA)

XXXX reported a debt in my name of {$1100.00} to XXXX XXXX XXXX on XX/XX/2017 claiming I had defaulted on a 2 year contract and not paid the first months bill, causing an account disconnection. Contacted XXXX to advise them that i have never had phone service with them. The claimed the debt was valid. When i asked for a copy of the contract that I had supposedly agreed to I was informed that there was no contract and that it was an in store sale. They advised me to contact the local authorities to file a police report for identity theft. The local police would not be able to file anything as there is no paperwork, no phone number, no date when the service was opened, no account number that XXXX would provide. The reason they could not provide it was that I wasn't able to verify any of the information, obviously because I had not opened the account. The only information that I was able to get was that it was sold in a store in Missouri. I live in Virginia, have no relatives or friends in Missouri, and gave no one in Missouri permission to open a phone in my name. Disputed the issue with the XXXX XXXX, and XXXX who all came back and claimed the debt was valid. All agencies claim it meets FCRA requirements.
Consumer complaint received 2020-06-03
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 — Problem with personal statement of dispute
Company: Persolve, LLC - Legal - Series 2 (CA)

I am in receipt of correspondence from Persolve Legal Group dated XX/XX/2020 regarding debt that I have no knowledge of and does not appear on my credit report. I have responded. I am a senior citizen and they continue to harass me which negatively affects my health.
Consumer complaint received 2018-07-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY (PA)

I purchased ( financed ) a vehicle in XX/XX/2017 and through the dealership, received a loan from Wells Fargo. Since then, I have been making monthly payments to Wells Fargo since I still owe money on the car. As a lien-holder, Wells Fargo has the requirement that in order to finance with them, you need to have full coverage insurance. I never had full coverage insurance and neither the dealership nor Wells Fargo informed me that I would need to. My car has since been totaled, but I still owe over {$5000.00} on it. Wells Fargo should have required that I have comprehensive and collision prior to allowing me to purchase the car. They are not requiring that I pay off the rest of the balance, despite their negligence in confirming that I had comprehensive and collision.
Consumer complaint received 2018-02-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION (OH)

Navy Federal credit union has had my account Frozen since XX/XX/2017. I  have tried to resolve the issue with them directly but I have gotten nowhere with them. I am so frustrated. It has taken this long and NFCU will not resolve the matter and they give me no answers.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC. (LA)

I have requested that XXXX XXXX XXXX  fix the false information on my credit report, as well as a Third Party Company representing me. They've reported that I was 120+ late on student loan payments that have been in deferment status. I have consistently completed deferment paperwork every time I was eligible. There are 5 negative items on my credit report that are false and need to be removed immediately.
Consumer complaint received 2020-07-24
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. (GA)

Equifax did not investigate an account on my credit profile for XXXX XXXX XXXX XXXX this is not my account and I have never had an account with them.
Consumer complaint received 2018-03-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Utah System of Higher Education (TX)

On XX/XX/XXXX, I submitted a payment to XXXX XXXX XXXX XXXX  XXXX ( XXXX ) from my XXXX Education Award account from XXXX to pay off the account # : XXXX in full, {$3500.00}, based on the payoff generated on that date. I just came into repayment and the actual payment was not due until XX/XX/XXXX. So, I was trying to pay it off a month before it even came due. According to the education award account system, XXXX is set up to receive payments from them electronically via EFT. The payment was NEVER picked up by them, it sat there " pending institution action '' for two weeks. I emailed them on XX/XX/XXXX, never received a response. I contacted their customer service and spoke to a rep named XXXX on XX/XX/XXXX, she had no idea what was going on, could not provide me with any information regarding the payment, and why they could not access it. Told me I would be called the next day ( XX/XX/XXXX ), as she had to refer this to an area in accounting that handled payments. I never got called and had to call them back. When I called back, I got the same run around, no one knew anything at all. I am now receiving calls via an autodialer regarding payments, even though the payment itself is NOT due until XX/XX/XXXX, almost two weeks from today. I have spoken to three different people and NONE of them have been able to provide ANY rational logical explanation as to WHY the payment was not accessed by XXXX and applied to my account. All I am trying to do is pay off my student loan and they seem incapable of allowing that to happen. I requested to speak to someone in accounting ( since they state that is who would have the answers ) and that request was refused. I asked to speak to a supervisor, same thing. All I want to do is pay off this account with the funds from my XXXX award, why is this alleged FEDERAL student loan servicer incapable of facilitating that process when they are supposed to be participating in it?
Consumer complaint received 2018-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (FL)

The company I C SYSTEM INC has listed a debt on my credit reports in the amount of {$510.00}. I've repeated disputed that the debt is mine and they have refused to remove the debt from my files. I have never contracted with this company, nor do I have any knowledge of this company. This company is hurting my credit scores and preventing me from having access to financial products that would help me to better my life.
Consumer complaint received 2022-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Bridgecrest Acceptance Corporation (TX)

There is a company reporting inaccurate late payments on my credit report. I reached out to the credit bureau about this on XX/XX/XXXX and they did not reply back. They also have not fixed the inaccurate reporting.
Consumer complaint received 2020-07-24
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. (MD)

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report and I have requested this fraudulent account be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX This account is keeping me from buying a home and making it impossible to move forward with my life. 

XXXX XXXX - balance is showing as {$1500.00}, dates open XX/XX/XXXX closed XX/XX/XXXX.
Consumer complaint received 2018-02-18
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Altisource Portfolio Solutions, S.à r.l. (PA)

I have filed several complaints with the CFPB to no avail. I recently discovered that if the complaint receives a response it is considered closed. This is absurd Responding is not a solution, therefore, we will try again and see if they can still pass the buck. 
1. XXXX XXXX denied they were a XXXX XXXX so the Department of banking was unable to assess sanctions. 
2. XXXX XXXX XXXX XXXX foreclosed in spite of rectifying the accounts servicing and other illegal fees. ( XXXX. ) They proclaimed they only offered representation and forwarded my complaint to XXXX. 
3. XXXX 's Ombudsman conveyed erroneous data.A foreclosure sale was XX/XX/XXXX. The reasons for the sale were never resolved so I gave in! They state an inspection was completed XX/XX/XXXX and the property was determined vacant and was secured. The property was not vacant, I was out of town for the holiday abd neighbors were watching the house for me. Upon my return I was unable to gain access to my home. I notified Altisource who was responsible for the lock, The XXXX County Sheriff, the XXXX XXXX Police, Congressman XXXX and the attorney general. The verified the lock was placed XX/XX/XXXX. 
4. The replacement value for the goods sold at auction total a little less than {$7000.00}. 
XXXX said I owed them money, however. the bankruptcy erased this obligation.There were no Ejectment, eviction notice or postings provided. 
XXXX will not change their decision due to XXXX  's lies.
Consumer complaint received 2018-07-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (TX)

After dismissing an adversary proceeding XX/XX/18, I was told by attorneys including AES attorney that they would work with me regarding paying back loan. I am currently unemployed. AES only agreed for reduction of payments for 9 months MGRS which is not helpful. The interest accumulates. I have other private loans. I asked for another solution and AES said nothing else was available. My loans went back to XXXX Bank  the original lender. XX/XX/18 XXXX offered forbearance but the form had to be mailed to me. XXXX XXXX XXXX from XXXX put account on hold waiting for forbearance. I filled out the form and faxed it to AES on XXXX as I was advised to and was told again by AES that forbearance was not available. XX/XX/18 received letter from AES that forbearance was approved. XX/XX/18 spoke to XXXX and told her my credit report was showing delinquent but my loans were in forbearance from XX/XX/18 to XX/XX/18. I am constantly given the wrong information by AES even though they escalate the call. I was told by AES that XXXX bank didn't know that I had no options available.
Consumer complaint received 2020-01-27
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: CITIZENS FINANCIAL GROUP, INC. (GA)

I have contacted citizens Bank several times over the years regarding student loan payment. I see the bank has filed a lawsuit against me regarding. My uncle who has been deceased since 2017 co-signed and Im not able to make the payments required. It was originally a predatory loan that was approved. I need to get to bottom to this asap