davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (TX)

I have XXXX companies that are calming that i have an outstanding close balance with XXXX that was for the same past due bill that was on my report and last year previously deleted off at the beginning of the year. 
XXXX company is XXXX XXXX XXXX, and the other XXXX is XXXX both have amounts of XXXX and XXXX ... I think the last company sold this account to a different creditors and they put it back on my credit report. under different names. 

can you please help me get this off my credit please
Consumer complaint received 2015-12-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (FL)

Good Morning, I am reporting a creditor the XXXX XXXX XXXX because on Friday I went online to pull my credit report to look into purchasing a home in 2016 only to discover that this creditor has reported to the credit agency that my debt was essentially charged off and a written off on my credit report which is totally inaccurate. The debt in question has indeed received full payment and satisfied. The creditor I assume sold the debt to a debt collection agency who I had absolutely no contract with to collect the debt. I am requesting this debt be deleted off my credit report for inaccurate reporting and any funds I paid after the charge off date be refunded to me for the false information they have reported to the credit agency on all XXXX bureaus
Consumer complaint received 2016-01-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (TX)

I have attempted to dispute this fraudulent XXXX XXXX XXXX account with Experian multiple times, and they refuse to remove it. This account does not belong to me. I am a victim of identity theft. I now have IN WRITING, a letter from the original creditor directly, stating this account was fraudulent and they have requested it be removed. The name on the account ISNT EVEN MINE!
Consumer complaint received 2015-10-01
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (VA)

I ca n't get my report it asks questions that I do n't know the answer to? I should know where I 've had a loan! right? I already had someone get electric in my name.I had to do police report and all kinds of headaches. I went without power for 3weeks from this deal and even had to deal with social services trying to charge me for neglect of my children. I ca n't get a cell phone, a used car, a credit card, not a thing please help me I do n't know what to do.I ca n't even get my report to dispute. I 'm XXXX old have XXXX and I 've worked my XXXX off for everything I have.What should I do?
Consumer complaint received 2016-08-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TX)

Every time I try to submit an online dispute, the Experian system says " our system is down ''. My credit score dropped XXXX points over night from XXXX XXXX, 2016 to XXXX XXXX, 2016, and I 'm trying to find out why. Every person at Experian says they 're unable to tell me why my credit score decreased by XXXX points. Per my record, my overall credit utilization has decreased. Per my record, I have paid all my bills timely for a consistent period of time, Per my record, my outstanding balances on credit cards and installment payments have continued to decrease. Help me better understand why my credit score dropped over XXXX points and what justified that significant of a decrease. Because of what I believe to be an invalid entry of information, this is going to result in potentially lethal consequences for me, as I can not buy my XXXX medications. This issue must be resolved within 24 hours in order to avoid potentially adverse and potentially harmful impact human life since this adversely impacts my ability to obtain medication and other things for living.
Consumer complaint received 2016-08-12
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (CA)

Why does it feel like Experian is n't reading my letters I 've sent certified mail to them? 

Feels like no one is taking an interest as I have not gotten anything from them back as far as results are concerned and any investigation. 

Why do I have to spend so many countless hours on this? 

See attached.
Consumer complaint received 2015-06-30
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (MA)

I've asked Chase numerous times to provide proof that this debt belongs to me - as it did and does not. They provided documents from the dealership that did NOT have my signature and where there was a signature it did NOT match that of my own. When I called and wrote to them questioning this, I was given the run around and nothing was done about it - yet it is till on my credit report as a repossession.
Consumer complaint received 2016-01-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (PA)

I had XXXX service bundled with XXXX phone service. When I canceled my account with XXXX they said I owed {$38.00} still for XXXX portion. I initially disputed this as I had paid my XXXX bill separately. XXXX said matter was resolved. 

Many months later, I received harassing phone calls and letters from XXXX XXXX XXXX regarding this supposed debt. In order to get rid of them, I paid {$38.00} to XXXX XXXX XXXX again, and was told that matter was finally resolved. 

Recently, I have been receiving harassing phone calls from ERC regarding this same 'debt ' that I have already paid twice. 

XXXX is harassing me and trying to extort money from me for a debt that has been paid twice. XXXX and ERC are threatening my credit unless I pay them this {$38.00} again. This is harassment and extortion and I want XXXX and their practices investigated. Even after I pay the collection agency of the month, XXXX finds another willing partner to attempt to extort money already paid. Please help.
Consumer complaint received 2015-07-10
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stillman Law Office, LLC, Farmington Hills, MI Branch (VA)

In XXXX of XXXX I received a debt collection letter from " Schlee & Stillman Law Office, LLC '', regarding a debt I supposedly owed a " XXXX XXXX XXXX ''. I immediately replied ( by certified mail ), requesting details of the debt, including copies of statements, amounts owed, prior collection efforts, etc. 

I received absolutely no response until yesterday ( XXXX XXXX, XXXX ), when I received what appears to be a copy of a Garnishment Summons, relating to a judgment apparently obtained in XX/XX/XXXX against someone with a similar name to my maiden name. 

I do not believe I owe this debt, but apparently this law firm is attempting to garnish my wages, and will not even respond to my attempts to contact them. I have attempted to call them, and get nothing but a recorded message about their firm being a debt collector - no human ever answers.
Consumer complaint received 2015-09-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A. (NY)

Starting in XX/XX/XXXX I was a recipient of Citibank CitiAssist loans for my education at XXXX XXXX College in XXXX. In order for a Co-Signer to be released from my loans according to Citibank Policy, I needed to make on time payments for the first 48 months of my repayment plan. The first 48 months began when I was one year out of school. At that time I was just beginning my career and making an entry level salary. There was no way I could possibly make a {$600.00} per month payment as I had rent, bills and other federal student loans. Citibank was unwilling to work with me to lower these payments. This policy offers new graduates no chance of releasing their co-signer who could in turn assist in the refinancing of of these loans from a 3rd party. This practice keeps loan recipients in a hole of debt that is impossible to work out of independently. It is a poor and predatory policy. 

I submitted a request to release my cosigner which was denied several times. On XXXX/XXXX/XXXX I faxed a dispute and CC 'd The CFPB. I received a letter yesterday XXXX/XXXX/XXXX denying my request to release my co signer based on the 48 month policy stated above. This letter is attached. 

Also attached is my payment history. You will see that since XX/XX/XXXX I have been making full and on time payments ( with the rare and extreme exception of a 2 day delay ). You will also see I have made small additional payments towards my principal when possible. 

Base on my PROVEN ability to make my monthly payments, I want my cosigner released from all loans with citibank.
Consumer complaint received 2016-11-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (WA)

I refinanced my loan which closed on XX/XX/2016. The funds were wired into Stearns bank account on that day. I have been overcharged for XXXX PMI payment for the month of XX/XX/2016 and have n't received my taxes of {$1400.00} both from my escrow account. It 's odd that in the past Stearns paid my taxes in XX/XX/XXXX and now they are saying they paid them in XXXX XXXX early?? ) XXXX XXXX records show and have told me personally that the tax payment for my XX/XX/XXXX bill was paid by XXXX The payoff amount that XXXX paid Stearns matches the payoff statement by Stearns but Stearns posted a lessor amount on my statement as well. No dates, numbers match in these documents at all. I 'm being overcharged, they are committing fraud and I would like my money.
Consumer complaint received 2016-01-04
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PNC Bank N.A. (OH)

PNC Bank took all the money out of my savings account.with no notification. They say it is for a forclosed loan from XX/XX/XXXX. I have had bank accounts with them since XX/XX/XXXX and one has contacted me. My pay checks are direct deposit and they waited until my pay hit then wiped out my familys savings account. They have had my address, phone number and email for years. They communicate to me about bank specials and advertisments, but never once brought up an outstanding debt that I thought was handled when the property was forclosed on. Can they do this just take someones savings account with no notification or contact?
Consumer complaint received 2016-05-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NJ)

On XXXX XXXX I have contacted Experian about several fraudulent accounts being reported on my consumer report Experian failed to block the accounts despite my police report and fraud victim identity theft affidavit. A list of the fraudulent account Experian failed to block is mentioned below, 1 ) XXXX Mortgage 2 ) XXXX 3 ) XXXX 4 ) XXXX 5 ) XXXX
Consumer complaint received 2015-12-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

There are XXXX creditors reporting on my credit reports XXXX, Experian. Target and XXXX XXXX. I disputed these companies as fraudulent since discovering in XXXX or XXXX. Even though these were not my debts they refused to remove. They have had these on my credit reports 9 or 10 years which they should have been removed any ways. But what they the companies keep doing is going in and updating the date opened, which is fraud. They went and said XXXX or XXXX as opened when again, I have been battling this since XXXX or XXXX.
Consumer complaint received 2016-08-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

I have notified Experian on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2016-10-10
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc. (CA)

I have not been able to file a complaint with them. The telephone numbers they supply are automated that try to sell you products with an endless loop of sales pitches. Here is the number Experian supplied XXXX. Call the number and see for yourself. I was unable to get a online copy of my credit report from them last year and also this year. Two years in a row.
Consumer complaint received 2015-06-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (CA)

I have received notice that I owe payment for a debt to XXXX from Enhanced Recovery Company , LLC. Upon returning my equipment to the XXXX store in XXXX XXXX XXXX last XXXX, I was assured that my account had been paid in full and I did not own any additional money. I have not had XXXX since that time. 

I have not received any notice from XXXX prior to this statement that I owed anything or that there was a balance due. XXXX no longer has my account on file.
Consumer complaint received 2017-04-01
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (MI)

I began receiving emails from KeyBank in XX/XX/XXXX of this year. I do not have an account with KeyBank nor have I ever heard of them. 
In the email, it stated, " Your Account Has Been Accessed From An Unauthorized Location. Your Online Account Needs Verification Ensure to comlete the verification process correctly to avoid a permanent block on your account. For security reasons imcomplete profiles will be blocked indefinitely ''. 
This was followed by a link to sign into online banking. I did not click on the link but there was a toll free customer service number, XXXX, which I called XX/XX/2017. The system was automated and I was told to enter either an account number, debit card number, or a social security number which I did not do. Once I was able to speak with a representative I was told to disregard the email and throw any mail away. I again explained how it came to me via email and I did not want my email associated with any account with KeyBank. She asked for my email address and name. I provided this information to her. She did not ask for any other contact information. I was told my concern would be escalated but in the meantime not to reply to any email or click on any link in emails received. She also stated they were having issues with fishing emails. 
I have not received any communication from KeyBank since this date. I need to be sure this was taken care of. This is the second of three different companies I 've received emails from concerning a bank account I do not have.
Consumer complaint received 2016-09-19
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: KEYCORP (NY)

ISSUE : The latest key bank digital online banking production released UI does n't authenticate properly. 

Key banks " offline '' status for 5 days has cost me late child support transfers, a failed pre school tuition payment transfer, and inability access my account information among many other inconveniences. For not just me, but ALL of their consumers. Meanwhile, I 'm sure they are cleaning up the fees while no one can even access their information. This should be criminally illegal. 


Specifically, the identity authentication link below is broken and does not work in IE, Chrome or FF. 
XXXX
Consumer complaint received 2016-11-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: SCA Collections, Inc. (NC)

I was NOT aware of the debt until I checked my credit. To my knowledge, never saw a doctor in this town. I have never received a statement or bill from this doctor or agency stating I owed them anything, nor have I ever received a call. During the time of question ( 6 years ago ) I was insured and any bills submitted would have been paid under that plan. I have never received anything saying they were turning me over for collections or a right to dispute.
Consumer complaint received 2017-02-06
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: P&B Capital Group, LLC (NY)

I shopped at amazon did get a credit card from them by way of XXXX. got a notice I owed XXXX dollars XXXX years ago. asked for the bills that demonstrated this purchase. many times, they promised always -- at that time it was crown assets who had the account now p and c XXXX ... no one ever sends it ... if I get it, and it is mine I will pay it ... now they say they are getting a judgment.
Consumer complaint received 2016-11-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Sierra Holdings LLC (PA)

I brought a 2009 nissan murano and was sold a lemon and thsi car almost killed my children and i .The sale of defective vehicles has a set of rules known as " lemon laws. '' A " lemon car '' generally means an auto with defects. Given there are about XXXX components in the average auto, include human error on the assembly line and it 's not surprising that a substantial number of " lemon cars '' are produced. The lemon law was established to protect your consumer rights by providing legal recourse after the purchase or lease of a defective new motor vehicle which fails to meet the manufacturer 's warranty after a reasonable number of repair attempts. 

If a manufacturer refuses or fails to offer a replacement or a refund for your lemon car, you have the legal right to file a civil action in a court of law. When you win a lemon law case, the manufacturer must : Provide a replacement or a refund Pay the consumer 's costs and expenses, including attorney 's fees The manufacturer can also be liable for a " civil penalty '' of up to twice the consumer 's damages ( usually the price of the defective goods ) State and federal rules are in place to protect consumers from auto dealer fraud when they shop for vehicles. Laws are designed to punish dealerships that take advantage of their customers and deal with deception and unfair practices by dealers. Auto dealer fraud law includes the FTC regulations ( the Used Car Rule ), other federal and state consumer protection laws, and the common law tort of fraud. 

Many car dealers use financial fraud to sell their vehicles. Car dealers can trick you out of a low car loan rate ( APR ) you thought you had committed to. For instance, you purchase a car and sign for a low APR. A week later the dealer phones and says you did n't qualify for that low interest - apparently the loan you thought you signed was " subject to loan approval ''. Then they ask you for more money and increase your payments. To avoid this scam, do n't finance your car at the dealership. 

Another trick, called the " Straw Purchase '' happens when the dealer says you have a terrible credit score and need a co-signer. However, the dealer knows your credit score is so bad you would never qualify for a loan. He gets you to find a co-signer for the loan, but in the paper shuffle, it ends up that the " co-signer '' is the actual purchaser of the vehicle. 

Some car dealers can " forget to pay off your trade-in ''. You trade in a car that you still owe payments on, and the dealer is supposed to pay off the loan for you and add the amount to your new purchase. Then the bank calls : the dealer has not paid off the loan, the car is still in your name, the bank is charging late payments to your credit rating and you have no contract to prove that the dealer said he would pay off the loan. I am getting my lawyer intact for this company and XXXX place.
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (CA)

Just about 9 years ago i underwent " training '' in the field of the XXXX. I was psyched about pursuing a career in XXXX, and til '' this day i feel as though i was scammed out of my money. 
After " graduating '' i found myself w/ no job placement assistance and no guidance from staff / counselors on how to improve my resume / reel for a better chance at succeeding. 
The equipment was outdated, the instructors ( XXXX XXXX ) to be precise, was also quite antiquated in his teachings, and was n't quite moving w/ the speed of technology. Most of his experience was with older models, so it was hard to go out on the field and not know all the glits & gadgets that were used in " today 's time/ '' Much of the XXXX equipment we used, was n't comparable to that of the equipment real XXXX were using, so it was a challenge to navigate through an " on the spot '' test when i was out interviewing. 
Even while attending school, my classmates and i heard complaints about the school, but we were so eager to get " our foot in the door '' that we pushed through. 
i '' ve kept in contact with almost everyone in my graduating class, and out of all of us, only XXXX person is actively in the field, employed & successful. 
Luckily for the rest of us, we were able to find other promising jobs in other fields, but i know i am not alone when i say i feel scammed by this school. 
I struggled with job stability, and with no help form XXXX XXXX, i found myself unable to pay my loan back. This has affected my credit drastically, and i am still working hard to build it. I must admit that i 've made little attempts at getting my student loan account in good standing, primarily because i am just now finding stability in my life, and so many other things were put in front of this. 
I owe more now, than i did when i first got the loan out, because my interest rate is through the roof. 
I would n't recommend this school to anyone, and honestly, i am one to give everything an honest chance.
Consumer complaint received 2016-11-03
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (GA)

This account does not belong to me. This account is a result of identity theft. I have contacted this company many times to inform them that this is not my debt and they have refused to remove this account from my credit file. I need your assistance in getting this matter resolved.
Consumer complaint received 2016-07-29
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I borrowed {$800.00}. I was not been informed of the 800 % interest rate on the loan. I was told there would be a {$280.00} finance charge/fee, not {$6800.00} in total payments. I was unable to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. Since, they have withdrawn over {$1400.00} from my account and the amount is scheduled to increase.