davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-08
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Navient Solutions, LLC. (IA)

On XX/XX/XXXX, I called Navient Solutions and spoke with XXXX ( Service ID XXXX ). In the phone conversation, I requested information about my loans Navient Solutions holds. Specifically, I requested the Group number, Loan ID number, and balance. XXXX then tried to convince me that the Loan ID and Group numbers were the same. Anyone with a first grade level of education can tell you that this is not true. Comparing the data on my XX/XX/XXXX, statement, Loans 1-06 and 1-07 are in Group 5. As a first grader can tell you, the number 5 is not the same as the numbers 1-06 and 1-07. However, I thought there was 3 loans that Navient had under their control. So the question still remains. What is the group number, loan ID number and balance? 
I attempted to retrieve this information by writing Navient a letter on XX/XX/XXXX. Navient responded on XX/XX/XXXX, refusing to answer the question by mail. 
With no credible way to obtain information about my loans by working with Navient directly, Im left with no other option but to seek assistance from the CFPB. Per a letter to the Honorable Senator XXXX XXXX and I, to make a payment to a specific loan, you must concatenate the Account number, Group Number, and Loan ID. Please send this information to me.
Consumer complaint received 2017-05-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

*no Duplicate* I have NE VER given this company consent to my private personal information which is identity theft. This company does that have a contract signed by me for services with this company. Per FDCPA 1692c Sec 802, this company asking me to pay an alleged debt they are no party of is FRAUD.
Consumer complaint received 2019-05-14
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A. (AZ)

I had a private student loan from XX/XX/XXXX for 3-4K and have had no contact nor received anything from this company Citibank Student loans since XX/XX/XXXX-XX/XX/XXXX.  This collection agency claims that now my balance it XXXX and because it was charged off in XX/XX/XXXX that they can still report this to my credit agency even though it is past 7-10 years. I was willing to work with them so long as they remove it from my credit report but they say the time starts again in XX/XX/XXXX since Citybank charged it off.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery from phone number XXXX continue to call my personal cell and my work phone. They are trying to collect a debt that was paid SEVENTEEN YEARS AGO. I ask them to stop calling and they become belligerent, hostile and tell me that they will not stop calling until I request they stop in writing. I have not given them my personal cell or work number and have no idea what illegal methods they used to obtain my numbers. They can not collect a paid debt from 17 years ago. They continue to call me a liar and claim I owe the debt and attempt to brow beat me into paying a debt I do not owe. XXXX from Portfolio Recovery just called my work phone at XXXX XXXX on XXXX/XXXX/2017.
Consumer complaint received 2022-01-06
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC. (VA)

I did a retirement roll over IRA from XXXX XXXX bank to First Citizens Bank in XXXX 2021 in XXXX Va.. Transferring appx. {$53000.00}. I noticed the first of XXXX that the account had only been change by a appx. a dollar or so a month. I called the bank to ask when earnings or any changes were posted t the account. I was informed that the sales agent was no longer with the bank ( XXXX XXXX ). At that time I spoke to XXXX XXXX who took over for XXXX XXXX. She asked me to meet her at the local bank on XXXX XXXX XXXX even though the bank was closed for the holiday. She told me my account was overlooked and nothing had been done. The stock had never been purchased. She said it had been reported and all necessary paperwork had been filed. I later askked for a copy of all paperwork and a copy of any correspondence. The only thing I have got in writing is a letter saying they are aware of my concern and they are working on it. It has now been almost 2 months since I discovered this and nothing has been done.Thank you I feel that it is time for me to notify you and any other Dept that may be able to help me. Please let me know what you can do to help me. 


Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Va. XXXX XXXX XXXX
Consumer complaint received 2017-12-08
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. (PA)

I am trying to get Equifax to provide my credit report. They sent me a confirmation number..XXXX however it will not open my account. Message is that the information I give does not match theirs. I have spent hours on the phone trying to reac a real live person. None exist at Equifax. Equifax does not have my current credit history. It stopped almost 10 years ago. They do not have credit card information, bank information or charge account information. 
They are a corrupt incompetent agency!!!
Consumer complaint received 2017-12-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (TX)

A debt in the amount of {$1900.00} from National credit systems is being reported on my credit report. The debt in question is from an apartment that I leased. I contacted the company by mail on XX/XX/XXXX and again on XX/XX/XXXX. OnXX/XX/XXXX I requested validation of the debt. I asked the company to show me how they calculated what I owe. The company replied by sending a transaction history and a lease renewal agreement. The lease renewal agreement was signed XX/XX/XXXX. I moved into the apartment XX/XX/XXXX ( which is reflected on the transaction history ). When I moved in I made a deposit of {$1800.00}. My {$1800.00} deposit is not reflected on the transaction history so I wrote another letter to the company onXX/XX/XXXX. In this letter I let them know that they were reporting an incorrect amount owed. I asked them to retrieve the lease agreement that I signed on XX/XX/XXXX. This lease agreement will list the {$1800.00} deposit. Without this lease agreement the debt has not been validated as accurate because it can not be reconciled with the transaction history. I received a generic response from National credit systems and the item remains on my credit report. This company is violating the FCRA 609. Also please note that I also disputed this matter with the credit reporting agencies and National credit systems confirmed the debt amount as accurate. Please hold this company accountable by requesting the XXXX lease agreement and requiring them to deduct the {$1800.00} deposit from the debt amount. Also please note that I contacted the apartment complex several times after I moved to recover the deposit. National credit systems did not contact me in regards to this debt prior to placing it on my credit report as required. Thanks for your time.
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NY)

received a BUSINESS CREDIT CARD from XXXX XXXX ( account # XXXX ) card is used for corporate expenses only!!! equifax has put this on my CONSUMER REPORT ( this is not about any delinquent payments or anything negative ) it just doesnt belong on my CONSUMER REPORT!! this has dropped my credit score substantially!! it belongs on my business 's credit report not my personal report!! XXXX has already deleted this from my report - equifax should do the same!! 

this card was obtained through my corporation!!!
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (VT)

At XXXX, I discussed my overdrawn commercial act with local TD bank personnel who was very helpful and refunded half ( around {$50.00} ) the overdraft fees I had accumulated over the past 61 days of inactivity. 
At XXXX on Tuesday, XXXX/XXXX/16 I deposited {$750.00} into the same commercial act. Later that same day I checked the account through the online TDBank app and saw that the first {$100.00} of the deposited check had been made available ; half paid the outstanding fees and roughly half showed up as the account balance. 
On Wednesday, XXXX/XXXX/16, the commercial account no longer existed on my TDBank app. I went to the branch and they told me the account had been closed due to 60days of inactivity with a negative balance. So I asked them to deposit the check into my personal account. 
On Tuesday, XXXX/XXXX/16, I still have not seen the check deposit show up in my account and was told that it still had not cleared. I complained. 
I think the offsite, non-branch personnel closed the account knowing that there was a recent deposit because they did not agree to refunding back some of the overdraft fees. 
I think they are withholding funds until they figure out ( and agree ) to charge me the full outstanding charges on the closed account. 
* The bank manager just called ( XXXX/XXXX/16 ) and said they would deposit an amount, less half the outstanding fees, as agreed to in the beginning. Yeah! 
In this instance, I think the local branch personnel who are generally very professional and customer-oriented were able to convince the offsite people to relent.
Consumer complaint received 2018-06-11
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: Experian Information Solutions Inc. (AR)

1. On XX/XX/XXXX I disputed a bankruptcy case that's on my credit report. I received a letter stating that it was verified 2. I sent the following letter to the credit bureaus requesting Method Of Verification.

I am writing to request that you give me your method of verifying the bankruptcy case # XXXX that is showing on my credit report. I spoke with XXXX XXXX with The United States Bankruptcy Court of Arkansas ( XXXX ) XXXX on Monday XX/XX/XXXX at XXXX XXXX   XXXX XXXX, advised me that they are NOT data furnishers, nor is The United Bankruptcy Court of Arkansas reporting this. So I need to know how are you verifying this information and what method was used to verify it? I demand this bankruptcy be removed from my credit report immediately. Once removed please send me an updated copy of my credit report to reflect the deletion. 

Thank you, XXXX XXXX XXXX 3. After a few weeks I received notification as " UPDATED ''
Consumer complaint received 2020-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY (MA)

Several credit card companies have lowered credit limits without warrant or late payments. 
XXXX XXXX American Express XXXX Lowering available credit, without just cause, is also lowering ratios, which are lowering my credit scores. 
I have a woman owned small business ( XXXX XXXX XXXX XXXX XXXX ) I can not run my business without credit. 
I was disqualified from a lease of a dishwasher from XXXX XXXX XXXX. 
I dont think that credit companies, should lower my available credit, Without just cause. 
This is directly causing me ill affect to being able to run my restaurant. 
The declined lease was of my credit score from XXXX to XXXX, For no cause of my own. 
Please advise
Consumer complaint received 2017-12-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (CA)

In XXXX XXXX, I began receiving numerous debt collection letters from Resurgent Capital Services for debt I did not recognize. The only debts that could possibly be related to me are from XXXX -- when I had a XXXX and was unable to pay my bills, and creditors would not work with me to set up a payment plan. I have not made any payments on these debts since XXXX, and I have been informed that these debts are now time-barred. I do not know why I suddenly began receiving collection letters in XXXX of this year. With the help of an advocate, I sent Resurgent Capital Services a certified letter to cease all communication with me and to record in my file that I did not want to receive any future communications about these debts from anyone. I am a senior and a XXXX veteran and receiving these letters makes me very XXXX XXXX XXXX. Despite my letter telling Resurgent Capital Services to cease communication, the alleged owner of the debt XXXX XXXX has apparently now placed my account with another debt collector, XXXX XXXX, XXXX who is now sending me collection letters for the same debts.
Consumer complaint received 2021-03-11
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Rocket Mortgage, LLC (KY)

I have contacted Quicken Loans several times since my chapter XXXX bankruptcy was XXXX satisfactorily as I surrendered this house to my ex husband. I got my discharge in XX/XX/2020 and have contacted them via phone on several occasions. I have also contacted the credit bureaus and disputed the data. I am no longer financially responsible for this mortgage and my ex husband was making late payments and it is damaging my credit even further than it already is. The next step will be to contact a lawyer for assistance with this matter.
Consumer complaint received 2017-12-08
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Resource Systems, Inc (CO)

Was recently served by XXXX XXXX XXXX group representing united resource systems. They violated the fdcpa by not sending me any inital letter to dispute account. I disputed the account from day one with the original creditor. Also when i noticed the account on my credit reports i disputed the account which was then removed from 2 of my reports due to failure to verify. Even then united resource systems did not send anything violating the fair credit reporting act. Also they are trying to collect after the statue of limitations.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-06-01
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. (IL)

To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from Equifax regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified mine, please correct status or delete them from the credit file : ACCOUNTS XXXX/XXXX  XXXX wrong status PUBLIC FILINGS BANKRUPTCY : DISCHARGED CH-XXXX  XXXX inaccurate Identification already on file, please notice your internal notes. Please send me a complete updated copy of my credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.
Consumer complaint received 2017-12-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Shermeta Law Group, PLLC (MI)

Hello, Information given from the paperwork i have from the XXXX district court, on XXXX XXXX, XXXX for the amount of {$3200.00}, {$3200.00}, and {$3200.00} all three ( 3 ) different accounts with the same credit card companies. Shermeta Law Group filed to garnish my wages and my state income taxes with properly doing so. Firstly, i wasnt properly served these documents personally they were served at my mothers house. After calling about these debts i was given attitude and disrespect and if i wasnt paying or trying to resolve some type of payment plan with them there wasnt much he could do to help me. I was also told that if they have to file garnishment i could lose my job as in big companies like XXXX doesnt like to see wages of their employees being garnished. Without notice my wages were garnished and i didnt find that info out till calling my jobs Payroll trying to verify info in applying for sub pay the was notified i guess for my reassurance that my pay was garnish from this company at 25 % then after finding out i went to file a Objection of Garnishment with the district court. In the mist of waiting for my court date i have found out that Shermeta Law Group is not licensed for business nor to collect in the state of Michigan or with the Secretary of State in Michigan therefore with my understanding they arent eligible to collect in debt in Michigan.. If possible please remove these accounts from all three ( 3 ) reporting credit reports immediately. 

Also i would like help with stopping motion of garnishment if issue is resolved. 

Thank you!
Consumer complaint received 2017-12-08
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. (NY)

XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I called Navient about the payment and submitted over the phone. 
XXXX/XXXX/XXXX : I paid XXXX $ and immediately on the same day the payment was reversed. I am now filing a complaint because m loan has grown by nearly {$200.00} in value which would have been avoided if the payments have been processed.
Consumer complaint received 2017-04-02
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (CA)

For most of my life I did not recognize nor value the the Idea of the FICO/CREDIT SCORE. Now since XX/XX/XXXX I have been working very hard with educating myself on the practices and behaviors of the CREDIT Burals. Its a lengthy process that I actually feel accomplished by. Until XX/XX/XXXX when a car dealer whom I assumed approved me for what was to be my first new/used vehicle. To my surprise the inquirie that was made in XX/XX/XXXX was not approved. Therefore it drop my credit score from a proud XXXX to XXXX this happened because the car sales attendant had regrets about telling me that I was denied initially. So with out my knowledge she ran my credit XXXX more times without my knowledge. I now know the affects of the inquiries from potintial creditors. I traveled XXXX miles from my home in a rental car that cost me {$270.00} stayed in a motel for two days before I got the bad news. My big upset and confussion was the Fact that EVEN with my {$2500.00} deposit on a vehicle valued at XXXX. I was rejected. 
When I went back to investigate the possible reason I could n't figure it out. 
The only thing I could do is continue communicating with my debt collectors with payments, police reports, dispute after dispute and multiple contacts with the credit burals it felt as though I was being ignored and was treated like I was unimportant and unwise. I went as far as to pay Experian {$21.00} for several months but still I was ignored and historically my credit report has many issues. 
After learning about the affects of the credit inquiries from outside creditors, as well as finding out about fraudulent activity on my credit report I put a freeze on my report. 
I wanted to work on addressing the Identity theft in XX/XX/XXXX. The fraudulent credit reporting from XXXX, the inquiry duplication recorded by your company and the incorrect status reports from all of the student loans except the active account. 
The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of my information in the files that you are reporting which is not all correct information. 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to file information it has verified. And only that .... 
If I put a freeze on my report with Experian why is this not the case with the XXXX denials for credit with I received XX/XX/XXXX. 
Attatched I have the only documentation I could find to support the the fraudulent accounts in XX/XX/XXXX. 
Although I was connected with those addresses the time frame is incorrect. 
Unfortunately their is a lot of criminal activity on the WWW. I ca n't say for sure who could have taken advantage of me but I 'm certain It will never happen again.
Consumer complaint received 2017-12-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (DC)

I have several credit inquiries from multiple companies on XXXX XXXX, 2017. I contacted the credit bureaus to dispute them and was told I would need file a police report and to contact the companies, which I did ( all they could tell me that my information was in their system ). I asked why I would need to file a police report for an intangible issue and that no credit was issied, Just an unauthorized inquiry. The information is still on my report and i cant get any help from the bureaus or the companies. 

XXXX -XXXX XXXX and XXXX XXXX XXXX Experian- XXXX XXXX, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX , XXXX, XXXX XXXX