davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-28
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

Citizens bank closed my checking account. Now I am receiving letters stating I owe money on a closed account. I was told it was closed so I am not sure why I would owe on a closed account. 

I was victim of identity theft in XX/XX/2019, and I am upset that the bank could not close an account without charging me fees. I spent a lot of time due to the id theft and I thought this was over. 

At this point, I want this matter resolved, no charges, or I am removing my money from this bank. I wanted this bank to help me and I have had nothing but trouble since the id theft.
Consumer complaint received 2017-11-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Diversified Consultants, Inc. (CA)

Diversified Consultants Inc is the third debt collector that has tarnished my credit over the same account that has been closed for years. If there was ever debt associated with the account it would be dormant by now. Diversified Consultants Inc have reported incorrect and misleading information on my credit report and have threatened to sue for judgement of debt they have provided no detailed information on. They have altered the date in which the account was reported as open/closed falsely representing account data on a dormant/closed account.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (TX)

Experian : On XX/XX/2024, I mailed over a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from XXXX that was issued by them on XX/XX/2024 that they received my dispute but they would not process it because they are assuming it is from a 3rd party. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Driver 's license and proof of address.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIZENS FINANCIAL GROUP, INC. (TX)

I have an Inquire from Citizens Bank on XX/XX/2017 which I do not recognize. I did not and have not approved this in any manner. This information was reported incorrectly on my credit report and is affecting my score. 
The inaccuracy has had negative effects on my score and consequently on my relationship with creditors. I am requesting that the item be removed.
Consumer complaint received 2017-11-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO. (AZ)

I received my paycheck from XXXX XXXX ( XXXX XXXX ). I deposited mobile to my Chase Bank Account. A few days later accidently grabbed same check ( instead of another check ) and deposited physically at XXXX XXXX. I realized that evening I had made mistake and went to XXXX XXXX next day to cancel deposit. they reversed funds. then a week later Chase Bank reversed funds as well. This check is not in either of my accounts and the funds were not returned to XXXX. I have called so many times to get this corrected. no one can fix this Please help me to get this {$1300.00} back to my employer. call me at XXXX for questions
Consumer complaint received 2024-05-07
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION (NC)

I received a call from Pentagon stating I owe them a payment. I told them I don't have car loan with you, I have been paying XXXX XXXX in XXXX for a year or so. Pentagon stated that XXXX XXXX sold my account to them and that me or my son was to start paying them. I said I was never told that such account was sold to anyone and secondly, the account you have is a fraudulent because my son and I don't have an account with XXXX XXXX  and I never had an car loan agreement with my son so whatever account you have with my son and my name on it is fraudulent and not mine nor my son 's. My son never signed any papers to be a cosigner with me on any car loan. I always make it clear to anyone when looking to purchase a car that if a cosigner is needed I would not be purchasing a vehicle. I was assured that a cosigner was not needed and I read everything I signed. I would never put my young college son on any loan with me. Pentagon stated my son is a cosigner for this XXXX XXXX XXXX car loan. I stated he is not and any signatures of my son 's name on any such agreement wasn't his and is fraud and I requested proof of the original loan and whether their lawyer has looked over this car loan agreement to see if it is legit which I knew otherwise that it wasn't and they hadn't but I requested a copy and proof of this information both from Pentagon and XXXX and the other two main credit reporting bureaus. This vehicle loan reported information was removed from both mine and my son 's credit file with XXXX and XXXX, but not from XXXX and Pentagon Federal Credit Union who both refuse to stop reporting it or remove it. Pentagon then turn around and sells this fraudulent account they say is ours to another collection agency who continues to harass us with letters and calls to pay this remaining debt even though Pentagon refuse to pick up the vehicle and told me to sell it to a car dealership and they released the title and it was sold to XXXX the dealership on XX/XX/XXXX at their request. Pentagon reported this vehicle payments as being late at least XXXX times on my credit file with XXXX after failing to come pick up the vehicle during the Pandemic in XXXX, XXXX, after the last payment was paid the beginning of XXXX, XXXX. I never was late. Pentagon even stated on my XXXX credit file that I paid as agreed. How can you pay as agreed and be late. This loan was reported late after Pentagon refused after several requests to pick of said vehicle for over XXXX months. After finding out a year later that the car loan agreement had false signatures and fraud was committed by the original seller, XXXX XXXX of XXXX and the account was sold to Pentagon, I wanted no dealings with neither parties.
Consumer complaint received 2017-11-15
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Immediate Credit Recovery (MI)

I have a US Department of Education loan debt. I 'm forced to use a company called immediate credit recovery to process my collection amount for the period of 11 months so that I can get out of default status and work out a different payment arrangement. I 've had ongoing issues with this company and the Department of Education about my loan. I have been paying the monthly obligation and yet the amount that I 'm paying is not showing on my credit reports as of today XX/XX/17  correctly and on the statements from the Department of Education the amounts are showing past due when they are not past due they are automatically taken out of my account each month. I have proof of all of this. I have contacted the Department of Education they will not help me and I have contacted ICR and they will not help me. Wrong information is being reported on my credit report and information that is inaccurate and money that I 'm paying is not being applied to my account properly.
Consumer complaint received 2017-11-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Dear Sir or Madam : I am writing to dispute the following information in my file. Below you will find description of the item on my credit report I am disputing. 

This item Account paid in Full ; was a Charge-off reported by XXXX XXXX XXXX # XXXX is inaccurate and incorrect as you can see on the attached letter dated X/XX/2016 which states : XXXX XXXX XXXX XXXX. recognizes the above referenced account as paid in full on X/XX/2016 The information on my credit report is inaccurately stated and reported by XXXX XXXX XXXX, proof of which is the attached letter sent by said bank regarding my account. 

The inaccuracy has had negative effects on my score and consequently on my relationship with said creditor and others as well. I am requesting that the account be removed. 

Enclosed are copies of the later dated X/XX/2016 by XXXX XXXX XXXX details supporting my position. Please investigate this matter and delete the disputed item as soon as possible. 

Sincerely, XXXX XXXX Attachments : - Item Being disputed ( Transunion ) - Item Being disputed ( XXXX ) - Letter by XXXX XXXX XXXX dated X/XX/2016
Consumer complaint received 2017-11-15
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: HCFS Healthcare Financial Services of TeamHealth (FL)

On XXXX XXXX, 2017, I sent a letter to XXXX XXXX XXXX ( see attached ). I requested that their office provide me with competent evidence that I had any legal obligation to pay them. Specifically, I requested that they provide me with a summary of all account activities, including all payments made, late charges, interest, date of payments received, copies of charge slips, invoices, promissory notes and other documents proving indebtness, copies of all documents sent to me regarding this account and copies of any papers that show I agreed to pay what they say I owe bearing my original signature. To no avail. I received a letter from them dated XXXX.17 ; however, it is nothing more than a mere statement their office has generated with no further explanation nor itemization of what is allegedly owed. 

It is obvious their records to provide verification of this debt is non-existent and they are therefore in direct violation of my consumer rights. This blanket balance has no supporting justification and therefore should not be reflected on any of my credit reports.
Consumer complaint received 2024-05-03
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (MN)

Last year 2023 CHASE unbeknownst to us withdrew a fee that was erroneous and didnt apply to the terms of our account.
Consumer complaint received 2022-01-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (CA)

I rent a apartment in XXXX XXXX XXXX XXXX : XXXX. When I was planning to move out, I went to the leasing office and discussed with XXXX XXXX for a date for a room cleaning check. When I moved out, I cleaned up my room and utility appliances with a professional standard, All rooms and appliances very clean and spotless. A young gentleman, leasing office staff came to check and were very satisfied. 

But after I moved out, I received a bill with a charge for carpet {$70.00} and cleaning {$160.00}. Because all room and utilities appliances very clean, they can not charge me for that. 

I sent a email regarding this charge to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX, XXXX Customer Care Specialist, and XXXX XXXX, XXXX Customer Care Specialist, but all they didnt respond. 

XXXX sent this bill to collections company Genesis Credit Management LLC. I sent many email to Genesis, but Genesis never reply my email. Genesis constantly call my phone. 

I didn't owe anything to XXXX XXXX XXXX. In additional, when I moved in, the room didn't clean up and I find people to clean the room. XXXX XXXX XXXX didn't pay me the cleaning fee.
Consumer complaint received 2017-11-14
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: JPMORGAN CHASE & CO. (KY)

XXXX XXXX XXXX XXXX SENT COURT GARNISHMENT ORDER TO EMPLOYER WITHOUT ANY DUE PROCESS OF LAW, ACCOUNT OUTDATED PASS 15YRS OLD NOT COLLECTIBLE EXPIRES STATUE OF LIMITATION OCGA 90-3-23 AND 9-3-25, I DO LIVE IN THE STATE OF GEORGIA LAW SUE FILED, COMPANY VIOLATES FDCPA AND FCBA
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (TX)

I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.
Consumer complaint received 2022-03-10
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. (MO)

After sending several complaints to Experian they have done nothing more but resend the same information without fully investigating this matter further. I have been saving every letter and certified receipts as well. They have removed an address that is not tied to me but refuse to remove the account that they have failed to provide proof of as I have NO CONTRACT with XXXX XXXXXXXX XXXX Tracking number XXXX. Attached is a copy of the letter I have send several times and they refuse to comply. I also send this same letter via email upload and I requested the entire account XXXX be removed as well.
Consumer complaint received 2017-07-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have an account showing on my credit report for Capitol One. They are working with a law firm and holding account they say i owe 2700 plus dollars to. I have called to dispute this believing that i had made on offer to settle and close this account thinking this was handled in 2016. I have asked for the paperwork on this card to be able to verify that i owe this money and to show the payment i made but they are refusing to send me any documentation regarding this credit card. I dont even know the credit card number. the attorney told me this was a XXXX card and then capitol one said it was a XXXX. I would like to have proof of owing this money and know that this was not a settled account. The highest balance i have ever had on a credit card is XXXX dollars. I would like for your company to make sure they are following the laws and giving me the documentation for all charges and payments.
Consumer complaint received 2017-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (CT)

I have informed Experian on  XXXX   XXXX ,    2017  that the following address is not mine and had never been mine. However, Experian has not removed the address from my credit file.   XXXX  Address that is not mine :  XXXX   XXXX   XXXX ,  XXXX   XXXX , CT  XXXX
Consumer complaint received 2017-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

The end of the year XX/XX/XXXX was approaching so I called Navient ( student loan servicer ) to discuss repayment options. I was told in XX/XX/XXXX over the phone by a customer representative that my loan would increase from $ XXXX/month on a gross income of XXXX to $ XXXX/month on a gross income of {$100000.00}. However, after speaking with customer representative and filing paperwork a different result was reached on XX/XX/XXXX : I would now be paying $ XXXX/month based on a {$100000.00} gross income for their income based repayment program. How can the results be so drastic?!!!! I can not afford to pay this nor can I afford to go into forbearance as Navient suggested I do. Note this is not the first time I 've had problems with Navient and their varrying degrees of monthly payment changes. Also, I do n't believe it to be fair to base my payments on my gross income, an adjusted gross income would be more fair. Lastly, this system does n't take into account that I have to pay my health insurance which is approximately $ XXXX/month and will spike to approximately $ XXXX/month beginning in XX/XX/XXXX. Most people who have jobs as veterinarians have health insurance paid for as a perk, but not in all cases, hence my case. There has to be a better answer to this horrific trend NAVIENT has had with my loans and a more affordable way to pay this so I do n't have to go into forebearance.
Consumer complaint received 2017-11-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (IL)

Experian has refused to investigate requested items on my credit report. OnXX/XX/XXXX I sent an initial request to investigate. On XX/XX/XXXX I sent a notice that they violated the regulation to investigate the items below. To this day I have gotten no response from them ... 

ACCOUNTS XXXX XXXX XXXX XX/XX/XXXX INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX COLLECTIONS XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-11-15
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (TX)

On XX/XX/XXXX when I contacted the debt agency EOS CCA in regards to a remark on my credit report they could not provide me with any information regarding the account they were trying to collect for. I had no information on what services were rendered or anything. I asked for this information in writing and have yet to receive any information. I am in the middle of purchasing a home and this is when this account was brought to my attention. I immediately contacted the creditor to resolve. On the recorded call with the agency it was told to me that if I payed and settlement with a certain amount that the account would be completely removed from my credit report due to them not sending me any information before reporting on my credit!. Today XX/XX/XXXX I attempted to contact the agency in regards to the closed status showing on by report instead of the removal and they told me pretty much too bad. This is false representation on their part and should be illegal! They can not give a costumer false information and Collect money from them under false pretenses.
Consumer complaint received 2024-02-17
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (CA)

I recently reviewed my credit report and noticed a fraudulent account. Please remove XXXX XXXX XXXX from my credit profile, I am not responsible for the alleged debt as I have no idea who this company is and I have never entered into any type of agreement with this company, this is fraud.
Consumer complaint received 2023-01-09
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. (NY)

On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2017-11-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (AL)

I have sent 2 checks by certified mail to cover my subsidized and unsubsidized loan in the amount of {$6700.00} and {$9000.00} to cover my Career training loan. All three loans are through Navient. The checks were mailed certified mail on XX/XX/XXXX. I wrote the loan number, loan name and account number on each of the checks to make sure that the monies were allocated to the correct account. These checks should have paid off all of my student loan debt, short of a possible small amount of interest due for the time period between the date the check was mailed, and the date the check was recieved and processed by Navient. 

Navient applied the monies to the accounts in a manner that left we owing money still on 2 of the loans, {$1400.00} on a stafford subsidized loan, {$2300.00} dollars on a Stafford unsubsidized loan, and a {$3700.00} credit on my career training loan. This information is showing on my Navient accounts as of XX/XX/XXXX at XXXX XXXX. Navient recieved and cashed both of my checks and they have cleared the bank as of XXXX XXXX, and the 2nd check ( {$9000.00} ) cleared my bank account on XX/XX/XXXX. Conveniently, the 2 loans that are due to be paid next, are the 2 loans showing a balance owed still. I believe that this is so they can charge additional interest, even though they are paid in full. I have many complaints about the handling of my loan, they have gladly offered forberance to me several times a few years back without disclosing the negative effect it would have on my loans and how it would end up costing so much more in the long run. They have been unwilling to work with me on providing a fair interest rate, and my loans have cost well over double the amount of the original loan taken out 10 years ago due to the 14.8 % interest rate they charged. I have had to cash in my 401K as my only means to get out from under these loans, and still they are trying to get more money by charging interest on loans that I have paid in full, and allocating my sent checks to the loans in a manner that went strictly to their benefit, and not how I instructed the money to be allocated. They have been impossible to reach by phone, and emails are answered only with a generic reply stating someone would get back to me soon. They have been nothing short of loan sharks and I am outraged at how they took advantage of me and how they are still trying to take advantage of me by charging interest on loans I have paid. This should be illegal. It is certainly unethical and in my opinion, immoral.