davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

Dear Sir/Madam, I already disputed this issue with all XXXX credit bureaus and all of them seem to have deleted it except Experian. There is a report on my personal credit about a small business credit card by XXXX XXXX belonging to XXXX XXXX XXXX which I am a shareholder. This card is a corporate card, not personal credit card and it does not belong solely to me. This is a limited liability company and I never accepted to be personal guarantee to the debts. According to Florida statutes, I should not be personally liable for a limited liability company. Experian today stated that they will not remove it from my personal credit report and said XXXX XXXX would like it to stay on my file. I reject to be held responsible for a corporate credit card of a company in which I have only 5 % shares. This should be removed from my personal credit report completely and Experian needs to be notified to take proper action.
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

Experian is listing items on the credit report for XXXX that do not belong to that social security number. I attached a copy of experian credit report. only 3 of these accounts report to XXXX. This means, they are double reporting accounts, which is illegal. For Example XXXX Account # XXXX can not report to XXXX social security numbers. XXXX Account # XXXX is already reporting to XXXX. It can not also report to XXXX because they do not even have that number to report to. Experian is not the government,. and must honor each social as its own entity.
Consumer complaint received 2017-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (IN)

A FedLoans IBR repayment calculation error resulted in an overpayment of {$3000.00} which has not been applied as a credit towards future payments as requested. In XXXX XXXX, the caculated Fedloans IBR amount due jumped from $ XXXX/mo to $ XXXX/mo when by the IBR formula ( ( AGI-Poverty level for family size ) *.XXXX ) /XXXX it should 've been a little lower than previous year. Fedloans servicer was contacted XX/XX/XXXX and acknowledged their error in reported AGI. When asked if they needed any more action on our part and whether the overpayment can be applied to future payments, they said they had the necessary information to process the change and it typically takes about 2 weeks for the review board to correct and process overpayment issues. After a second month of the high rate, FedLoans was called again on XX/XX/XXXX to make sure the amount was going to be changed immediately the overpayment would be credited. Informed by FedLoans that the recalculation was under review but there was no timeframe for completion. During the first week of XX/XX/XXXX, several " paperless inbox '' statements were sent outlining that our enrollment in IBR had been denied and our new monthly payment would be {$2400.00}. FedLoans was called XX/XX/XXXX ( urgently ) and the agent was informed of the past few months of history and issues. As a result, XX/XX/XXXX tax information was re-submitted and the IBR plan was re-enrolled on XX/XX/XXXX at a rate of $ XXXX/mo ( the correct rate ) ; however, a fourth payment was made in XX/XX/XXXX for {$890.00}. Overall overpayment over four months was {$3000.00} and has not been credited towards FUTURE payments as asked.
Consumer complaint received 2016-05-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FINEX Group LLC (CA)

i gave a vehicle away signed a bill of sale and turned in a release of liability to the dmv 6 plus years after i have a report on my XXXX that i have a XXXX dollar debt for the vehicle after it was impounded.i contacted the reporting persons and was told that because the other party had not followed through i was responsible even though the XXXX couldnt find a record of me owning the vehicle.i tried working with this company providing all the info i could for them even though the dmv wasnt able to find my name attached to this vehicle and refused to investagate anything
Consumer complaint received 2020-04-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Medical Management, Inc. (PA)

I paid all my accounts with XXXX XXXX that were reported to Financial Recoveries for collection I ask them close all the accounts on my credit report. All of the checks cleared the bank of XX/XX/2020 yet the accounts are still listed as open on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX
Consumer complaint received 2017-04-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (WA)

I had XXXX private student loans serviced through American Education Services ( AES ). In XX/XX/2016, AES sold XXXX of those loans to XXXX, and I now pay them through XXXX. The problem is that this sale doubled my monthly payment on these XXXX loans : I used to pay just {$50.00} a month to AES ; now I have to pay {$50.00} a month to both AES and XXXX. This may not sound like a big deal, but I have XXXX other, larger student loan payments every month as well, so this new payment is creating a financial hardship. It seems highly unfair that my monthly payment can be doubled due to the internal business workings of my loan provider, and not any action I 've taken or could have taken. Is there anything I can do about this?
Consumer complaint received 2017-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WA)

I deferred my payments for the last 2 years but have been regularly making my payments for the last 5 months. The payments keep steadily increasing every month, from {$130.00}, to {$230.00}, to now {$460.00}. Every payment made has gone directly to interest, and the total amount owed, the balance of the loan, continues to increase every month. So with my payments the debt is increasing and never goes down. I owe {$35000.00} at between 4.5 % and 6.8 %. I owe about the same on my car at a higher interest rate with the same monthly payment, and with every payment made I see the total amount owed decrease. I do not understand why my payments are increasing & my total debt owed is increasing. At this rate I will always be making payments and the debt will never be settled. I am very frustrated as at the same time I am not able to pull my monthly statements and track what has been going on. When I previewed the transactions last night, which is when I noticed how my payments were being applied and that my debt was continually increasing even with payment, I noticed that the last several payments were labeled unspecified. My loans are through Navient. I need to eliminate this debt and need a clear path to making this happen. I really would appreciate any assistance as I do not trust Navient and feel that I am being defrauded.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX Todays Date : XX/XX/XXXX To Whom it May Concern : Experian XXXX, TX XXXX XXXX XXXX, GA XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
Consumer complaint received 2017-03-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HANCOCK WHITNEY BANK (LA)

Whitney banks failure to exercise ordinary care contributed to a customer 's loss, and there remain genuine issues of material fact as to Whitney 's compliance with its standard of care and what effect this had on forgeries that occurred with in the account. This case is one in which a bookkeeper 's malfeasance, and a bank 's incompetence, combined to deprive an elderly woman and her family of XXXX of dollars. Please see attached document of case at hand.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (FL)

In accordance with the Fair Credit Reporting act XXXX XX/XX/XXXX, XXXX  XXXX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

EQUIFAX is reporting that I was 30 days late in XX/XX/2017 and I was not late what so ever. I 've dealt directly with equifax on this and nothing has happened yet. I had a vehicle paid off, and the creditor was XXXX. The payment was sent and was processed before the XX/XX/XXXX deadline. The lender has stated that they 've fixed the problem on its end and that Equifax is the only one that can update it. 

This has been very frustrating bc I also have some fraudulent charges on my report that experience yet to address or even respond with. I have tracking numbers and dates they received my documents if I need to provide this. 

I 'm trying to buy a house for me, and my girl and this issue is killing my score. I have paid everything on time, and I go to pay off than the late hits. I need experience to processes my documents and remove this so I can move us before the lease is up by XX/XX/XXXX. 

Thank you,
Consumer complaint received 2017-02-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MS)

I recently disputed a collection with Experian that I have absolutely no knowledge of. I have never received any information pertaining to this debt. I am once again disputing this medical debt and collection activity. Experian has verified it as " belonging to me '' ; however, I would like Experian to provide what information they obtained during their investigation to verify this as mine as this account is being unfairly listed on my credit report. The collection is listed below : XXXX XXXX XXXX
Consumer complaint received 2017-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (MD)

I submitted the proper documentation to Experian to begin the Investigation, I actually submitted to them ( Experian ) the paper work on 2 different occasions because I felt like I did n't receive the proper results ( an answer ). They stated that my results came back verified and I did n't receive any documentation that stated that they were verified. I actually sent the same letters to XXXX and the Information was removed/ Deleted. 
The XXXX account were : XXXX Acct # XXXX XXXX. Acct # XXXX Attached is the results from XXXX results for the XXXX accounts listed above.
Consumer complaint received 2020-04-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (TX)

On XX/XX/2020XX/XX/XXXXAcima sent a settlement email. I called on XX/XX/2020 and paid said settlement for my debt to be deleted and removed from my credit. The service advocate said that would be in 30 days. It has been past 30 days and I haven't gotten anyone to fix it from Acima.
Consumer complaint received 2017-04-07
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (MD)

I am a recent XXXX student who took a break after XXXX school and used my forebearance during that period. After the completion of XXXX, Navient calls me three times everyday seven days a week around the same time using various numbers and leaving voicemails from various representatives. I live with my mother and she was the consigner in which Navient calls the same number six times daily seven days a week. I want to file a compliant for harassment by phone misuse. When Navient first called I advised them that I am currently without a job and that my mother is in XXXX at this time. Therefore, she can not currently assist me with any payments. I have defaulted and now they have sent a fax to my mother 's current place of employment which is also harassment. I do n't need them to contact my mother 's place of employment harassing her which in turn might make her lose her employment. Navient has also sent me emails and letters asking me to make my account current which I can not do at this time.
Consumer complaint received 2017-04-06
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: JPMORGAN CHASE & CO. (FL)

I purchased a 2015 XXXX XXXX ( new ) approximately 1 year ago. Chase Auto Finance financed the vehicle for approximately {$29000.00}. The purchase of the vehicle was approximately {$19000.00}. I had a trade in that caused the total financing for a 2015 XXXX XXXX to approximately {$29000.00}. I pay approximately {$650.00} monthly. I have not been past due by 30 days but I do make my payments late because of the extraordinary monthly payment. Chase Auto Finance continues to call me on a monthly bases and tell me when am I going to bring my account up to date. I explained to the Chase Representatives of the situation and they refuse to help. They wont refinance or in good faith negotiate on the principle of the account. I am tired of the continuous phone calls and the unprofessionalism and unwilling to help in anyway. I am making my payments NEVER past 30 days late and since they are unwilling to help I do n't want them to contact me again. I 'M MAKING MY PAYMENTS SO LEAVE ME ALONE. I 'm so underwater on my vehicle that since Chase is unwilling to help I attempted to refinance with both my Credit Unions and the said no because I am approximately {$14000.00} underwater.
Consumer complaint received 2021-11-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc. (IN)

The agency " State Collection Service " is in violation of the Fair Debt Collection Practices Act, the agency claims that I owe a medical balance of {$330.00} for an account that was put in collection due to XXXX XXXX XXXX XXXX in XX/XX/XXXX, I was contacted in XXXX of XXXX stating that I owed this bill from XXXX XXXX, the state collection agency failed to provide written notice of the bill amount, and failed to inform me that I was able to dispute this transaction within thirty days of receiving a statement. Their phone number is XXXX. Within a week of being contacted the collection agency put my debit in collections and have impacted my XXXX XXXX. I then contact XXXX XXXX XXXX XXXX and was informed by XXXX representatives that the {$330.00} charge was actually a service " adjustment '' from the insurance company and that the hospital had no record of my bill being put into the collection. The collection agency claimed that they provide notice to my apartment in XXXX however, I lived in the apartment until XXXX of XXXX, I then moved to XXXX and had my mailed forward up until XXXX of XXXX. Over a recorded line of the state collection agency, I asked the agency to provide proof of when they sent a statement and the agency had no record of providing me with a notice that I had a debt in collection.
Consumer complaint received 2017-04-01
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: AR Resources, Inc. (MO)

" I was NEVER notified by phone or mail of this debt and it just APPEARED on my credit without notice. Furthermore, it looks like the original debtor of this erroneous debt was XXXX XXXX XXXX XXXX, and they appear to have sold it to AR Resources Inc, account numbers XXXX and XXXX therefore the contract is CANCELLED and i should not be contacted about this debt again. Please remove this debt from all bureaus asap. Im trying to buy my first home and this unknown debt is really affecting me ''
Consumer complaint received 2017-04-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

Yesterday afternoon I received in the U.S. mail my copy of my " Equifax '' credit report dated " XXXX XXXX, 2017. '' On " Page XXXX of XXXX, '' under the " A Request For Your Credit History '' section it states that a company named " XXXX, XXXX '' inquired of my credit on " XXXX/XXXX/2017. '' I just renewed my apartment lease for another 12 months on XXXX XXXX, 2017 so why would I buy a home? This unlawful " XXXX XXXX, XXXX '' credit inquiry/notation on my " Equifax '' credit file is NOT mine. I am a victim of Identity Theft.
Consumer complaint received 2017-04-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (UT)

I have an open collection for {$1800.00} through XXXX. I filed a Chapter XXXX Bankruptcy in XX/XX/2015 and this account should be listed as closed and part of my Chapter XXXX Wage Earner Plan, just like my other creditors. I spoke with the collection agency and was told they provided information to Equifax, I have also disputed this twice with Equifax and they will not update the account. I am providing my Chapter XXXX Statement of Financial Affairs & Schedules, you will see on pageXXXX XXXX is on my list of creditors and this collection should be closed.
Consumer complaint received 2017-04-04
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: TRANSWORLD SYSTEMS INC (GA)

I took out a private student loan with a co-signer with NATIONAL COLLEGIATE STUDENT LOAN TRUST back in XX/XX/XXXX. Since then in XX/XX/XXXX I received summons for motion of judgement by default filed against me in XXXX County GA. The judgement was granted XX/XX/XXXX, even though I responded and contacted the company directly attempting to make payment arrangements. In XX/XX/XXXX the NATIONAL COLLEGIATE STUDENT LOAN TRUST went to XXXX County GA to file for garnishment with my employer and since then my wages have been held. I filed for a traverse which was temporary granted and now I 'm in need of getting the Judgement set aside due to fact the original Motion of judgement never included the co-signer nor The Plaintiff state the date the contract was breached or otherwise not complied with. Plaintiff also failed to mitigate damages by failing to take reasonable steps to reduce or minimize the damages experienced. The Plaintiff is seeking to recover more than entitled to recover in this case, and award of the judgment sought by the Plaintiff would unjustly enrich the Plaintiff. I am a single mother and this garnishment has created an extreme hardship upon me and my family.
Consumer complaint received 2017-03-30
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: D&A Services, LLC (NC)

XXXX from D and A Services called me asked me to verify my personal information. I basically told him that I do not give out me personal information to strangers and to send whatever he needed to contact me about in writing. He began yelling at me about refusing to pay my debts or verifying myself. He told me that if he want to commit any type of fraud or identity theft he already had enough information to do so. He continued to talk after I told him to send the information in the mail. He also tried to get me to verify personal information and gave me some one else 's Social Security Number. I told him it was not my information and hung up.
Consumer complaint received 2017-04-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (TN)

There is a judgement against me, it has been paid and the court has received a letter stating that the debt has been satisfied, but the judgement is not off of my equifax report, but it has been taken off of XXXX and XXXX. The debt is satisfied and equifax will not take it off.
Consumer complaint received 2017-04-07
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2021-11-26
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group (AL)

I received a credit notification today XXXX that this company has added a collections. However I did not received a right to dispute. I not even sure what they are collecting for as I have not obtain any debt or opened anything in years. This is a violation of my customer rights and illegal to add to my credit report without giving me the option to dispute or even know what this is.
Consumer complaint received 2016-10-12
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A. (CA)

I had a costco card with XXXX. Apparently costco switched their relationship and now only takes visa. So, during the switch, my costco XXXX XXXX was cancelled and I received a XXXX card. I paid the balance of my account online and it disappeared from my XXXX online portal. Five months later, I receive a call from Citibank collections, looking for {$10.00} saying that I had three missed payments. I told them that I had never received any information from them and did n't even know that I had a credit/business relationship with them. They said they had returned mail and never could get ahold of me. They could n't even give me an account number to dispute the charges with the credit bureaus.