davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-15
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (GA)

I contacted debt collector and advice I have no knowledge of account and its not mines. They remove from my XXXX and XXXX report I been in constant contact with XXXX they refuse to remove I need this remove immediately from my account it is not mines.
Consumer complaint received 2020-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

On XX/XX/07 in the amount {$970.00}, I made a settlement payment on a charge off capital one account acct # XXXX to XXXX XXXX XXXX XXXX. Since that time Capital One has continued to report me negatively to all 3 credit bureaus resulting in a XXXX score drop of 14 point on XX/XX/XXXX and 41 points on XX/XX/XXXX. I sent a copy of the XXXX receipt to the 3 bureaus to update the balance several times and stop further fraudulent late reporting but instead of updating the correct balance owed or marking as settled i was updated with 5 more months of negative reporting. Per my most recent credit report from XXXX, originally i was only showing collections as of XXXX, after the most recent dispute report on XX/XX/XXXX i was hit with negative reporting for XXXX - XXXX which clearly is inaccurate. I have contacted all parties multiple times about this issue to no avail.
Consumer complaint received 2016-12-13
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (VA)

Reporting/collecting unverified/unvalidated debt to credit bureaus. Please ref to Virginia Law VA Code 8.01-246. This company has yet to provide any signed documents/contracts between myself and their company.
Consumer complaint received 2016-04-14
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (FL)

( Please note that I am the father of the complainant here and am submitting this complaint on her behalf. ) Letter from Midland Credit Management , Inc., dated XXXX XXXX, 2016, stating XXXX sold debt to Midland Funding , LLC. Would give a XXXX % discount on " owed amount '' if paid right away. Never used any such credit at XXXX nor purchased goods totalling the amount requested during the alleged time frame. ( Only use XXXX major credit card for any purchases. ) Have never heard of XXXX XXXX. Looking at consumer complaint information, Midland is an extremely bad company. In recent years, Midland has been sued by several Attorneys General and law firms for deceptive and fraudulent practices, including false debts and robo signatures on affidafits stating a debt existed.
Consumer complaint received 2015-04-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: SLM CORPORATION (CA)

I attend University of XXXX XXXX in XXXX XXXX, California. I have had accounts with Sallie Mae for a couple years, regarding my student loans. However, throughout the past semester I have been locked out of my account a minimum of XXXX times, requiring me to call customer care and unlock my account. Then I am put on hold for absurdly long time periods for a conversation with an agitated employee that lasts about 2 minutes. Last week I tried to call because I could n't make a payment, in one day I spent over 2 hours on hold with them and never got through. I even waited for 45 minutes the last time before I finally gave up. Because I do n't have time to sit on hold, I have been unable to make a payment as I am locked out of my account. Now they call me with a recorded voice at least XXXX a day, every single day and leave voicemails. I tried to call again this morning and was put on hold for 20 minutes before I had to go to class. It is extremely frustrating, and believe me, I would like to make a payment as badly as they would like me to make a payment.
Consumer complaint received 2016-11-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PMAB,LLC (TX)

In XXXX 2015 I had a visit to the emergency room which resulted in a {$75.00} remaining balance after insurance. I paid that balance before the deadline, and there was no issue. The bill was never sent to collection. Recently I checked my credit history, and found a {$75.00} debt that is marked as unpaid and " derogatory '' that was sent to collection on XXXX XXXX, 2015. I called the hospital billing department, and they confirmed, that bill was paid and never sent to collection. They sent me an itemized receipt as proof of payment. I want this collection removed from my credit report and credit history, as it is a debt that was never " derogatory '' or even late. I do not recognize the creditor, which is labeled as " PMAB LLC. ''
Consumer complaint received 2021-11-26
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. (GA)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and i have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Here are the list of the following Inquiries and need to remove completely from my Credit Report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Consumer complaint received 2016-09-03
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (TX)

Recently my account at Paypal was shut down. While they do n't have a word on why I was shut down, they decided to keep my money locked in the account for 180 days. This is outright thievery. They do n't have the right to keep my money under their name.
Consumer complaint received 2021-05-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

MIDLANDMCM {$5100.00} MIDLANDMCM claims that I owe a debt. I have contacted them several times to provide a validation of the original contract of the debt they claimed that I owe but they have refused to respond to me.
Consumer complaint received 2016-05-04
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (OH)

They have stated that they are applying payments in accordance with my promissory note, but refuse to give me a copy of any of the documentation. 

On XXXX XXXX, I asked for copies of my signed origination documents, promissory note, terms, etc,. copies of any and all paperwork I have with the company. 

On XXXX XXXX, I received an email ( ref. CID : XXXX ) from XXXX that stated " We have received your request for documents and forwarded them to the correct department for review. These documents will be emailed to the address that we have on file in 1-2 business days. '' It is now XXXX XXXX, 2016. I have not received any documents.
Consumer complaint received 2021-11-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC (NY)

The firm ALDOUS AND ASSOCIATES is again reporting a collection of 129.00 to my account in error. First in XX/XX/2021 and now in XX/XX/2021. ALDOUS AND ASSOCIATES is stating they are representing XXXX XXXX regarding this reoccurring dispute. While XXXX XXXX has emailed me twice, stating there is an error and not much money is owed this has not stopped ALDOUS AND ASSOCIATES from taking my credit score from XXXX to low XXXX. We need XXXX XXXX to do a much better job in protecting its client from fraudulent claims and negative impact to their financial livelihood. I must have XXXX XXXX ; XXXX legal department address this matter with ALDOUS AND ASSOCIATES directly ccd to me at XXXX Regards, XXXX XXXX
Consumer complaint received 2017-08-15
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. (PA)

Equifax responded that adverse information remained for seven years from last activity. They are not using the correct dates for last activity on the following : XXXX/XXXX Account XXXX activity XX/XX/XXXX per their records. XXXX Account XXXX-last activity was XX/XX/XXXX, NOT XX/XX/XXXX. No activity occurred in XX/XX/XXXX. XXXX Account XXXX -- last activity was XX/XX/XXXX, NOT XX/XX/XXXX. No activity occurred in XX/XX/XXXXand note duplicate account as double reporting. XXXX XXXX-Account XXXX-last activity was XX/XX/XXXX per their records. No activity occurred after that date.
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

I sent suntrust a check to pay the escrow shortage ( for the 4th year in a row ) and for the 4th year in a row I was sent the WRONG statement. Because I paid the escrow shortage I should have gotten a statement for the LOWER monthly mortgage amount but of course they still sent a statement for the higher amount. I was told last year that this problem had been fixed and that I would receive the correct statements in the future if I paid the escrow shortage. That was clearly a LIE. I also asked several times for someone to explain why my escrow is short EVERY YEAR. But again no one has because for the 4th year in a row my escrow has been short. This is not a problem I 've had with other mortgage companies and I do not understand why suntrust can not get it right and no one will answer my questions. I am tired of their complete incompetence and lack of customer service. This is UNACCEPTABLE. They need to send me a CORRECT bill IMMEDIATELY for the amount due XX/XX/XXXX.
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Billing statement — 
Company: SYNCHRONY FINANCIAL (OH)

I have a complaint about synchrony bank who took over the walmart and sams club credit cards accts. Have not used either card in 3 months or more yet my statement balance still reads over the card limit when i 've been paying at least a small amount over what the payment is. Its been showing that more then XXXX going to interest and not showing a drop under the credit limit amount. 
My own bank XXXX XXXX just recently had to refund back to my card with them over payment money. I think was due to an audit. Doesnt the gov. do audits on these banks to check for discrepancys in peoples accts. 
I would like to request this matter be looked into. Thank you XXXX XXXX XXXX XXXX
Consumer complaint received 2016-02-18
Product: Credit card — 
Issue: Billing disputes — 
Company: AMERICAN EXPRESS COMPANY (GA)

The credit card issuer is not properly investigating the disputed transaction between the merchant and credit card holder. All the support provided by the credit card holder is being ignored. The credit card holder contacted the credit card issuer multiple times and requested to discuss the case with Dispute Resolution Department directly. All the requests were ignored, the case was cancelled and reopened several times since XXXX 2015. Please assist to get hold of Dispute Resolution Department representative of the credit card issuer ( not just the general customer service representative ) so that I can explain the situation to the case investigator and discuss the deficiency in their previous reviews. Thank you.
Consumer complaint received 2016-12-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Commonwealth Financial Systems, Inc. (NM)

Original debt to physician apparently was not paid, although I was on a payment plan through the hospital which began in XXXX and paid in full in XXXX. 

In XXXX I made an agreement with the first company to purchase the original debt as I was told that the physician was never paid but that the hospital had been paid. I held to my end of the bargain that was offered. 

Now, nearly 2 years later, a third party has bought the debt, in the original amount. They threatened to put this on my credit report, which they have, and they will not listen to my story. 

I was unemployed and uninsured when I was admitted to the hospital with XXXX.
Consumer complaint received 2021-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX XXXX Balance : {$0.00} - status update date shows that this account wasn't even investigated, remove account. 

XXXX XXXX  XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete Immediately. 

XXXX XXXX XXXX Balance : {$510.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed.
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (TX)

I am a victim of a well document identity theft. The original creditor recognized the identity theft and the MULTIPLE previous debt collectors have recognized this as well and have ceased collection efforts and removed any negative reporting on my credit file. This debt collector bought this debt for pennys from a previous debt collector who acknowledged this debt was invalid due to it being tied to the identity theft. I have had to involve the CFPB for previous accounts opened in my name. I have attached a letter from my bank which details how the identity theft began as well as a letter from another debt collector regarding another account opened due to identity theft and their removal of the debt proving that the identity theft happened and this debt is not valid. This debt is not mine and is a result of identity theft.
Consumer complaint received 2020-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I XXXX XXXX have no other recourse but to see if an act of kindness can be ascertained through the Consumer Financial Protection Bureau. During the year 2019 I was traveling to my original country on business and family matters, and my wife was in charge of family business, which included paying my bills on time. However, as a mother of XXXX children she lost focus. My statements with XXXX XXXX XXXX XXXX XXXX were not attended to properly, and therefore my perfect credit history was tarnished. I therefore request this member of the credit reporting agency system to give an  honest review of my payment history and the removal of my late payments of XX/XX/2019 and XX/XX/2019. I am not disputing the current rating, but I am asking for an honest review and to be given every consideration for the negative payment removal. 
XXXX XXXX
Consumer complaint received 2015-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: VIRTUOSO SOURCING GROUP, LLC. (VA)

XXXX sent my bill to a third party collector for collection. Previously I requested an itemized bill to verify the amount owed was legit since it was an exorbitant amount XXXX I only received a bill for the balance owed with no itemization or details as to how that amount was derived.Now the amount is XXXX How could I owe that much on one phone bill that was being paid monthly without any interruption of services? I do n't have a problem paying I just need proof of what is owed in writing. If it is a valid balance why ca n't they produce a bill. ]?
Consumer complaint received 2016-10-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (PA)

I have been receiving phone calls from this company trying to collect a debt on an account that 's been closed. The people that call speak broken XXXX, when I ask where they are located they hang up or say " we ca n't hear you ''. I am attaching a document to show this account was closed
Consumer complaint received 2017-02-01
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

THE HYUNDAI FINANCIAL SERVICES SENT MY ACCOUNT TO COLLECTION AGENCY WITHOUT SENDING ME THE BILL THAT I OWE AND NEED TO PAY TO HYUNDAI FINANCIAL AND WITHOUT GIVING ME THE NOTICE THAT IF I WILL NOT PAY THE BALANCE THAT I OWE THEY WILL SEND IT TO COLLECTION AGENCY. SECOND THE COLLECTION AGENCY NEVER SEND ME ALSO A LETTER OR NOTOFICATION BY MAIL. UNTIL ON XX/XX/2016 I RECEIVED A CALL COLLECTION AND I WAS SHOCKED SINCE I AM NOT AWARE ABOUT THE DEBT. IT WAS A LEASE CAR THAT I RETURN AND THEY ARE COLLECTION THE WEAR AND TEAR AND THE INSURANCE IS RESPOSIBLE IF PAYING AND I DID FILE THE CLAIM. BUT IRREGARDLESS OF WHO IS RESPONSIBLE OF PAYING. THE DEBTOR NEED TO SEND A BILL OR NOTIFATION AND CALL THE CONSUMER
Consumer complaint received 2022-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

XXXX XXXX  XXXX # XXXX I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. This account was already removed Off on XXXX and Please honor all request of documentation.
Consumer complaint received 2016-12-04
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (PA)

I opened a paypal account in XXXX 2016 and my account has always bee in good standing. I sold items on eBay and the payments were made via PayPal. Despite the fact that all the items sold have been received by the buyers, PayPal is withholding over {$3700.00} worth of payments. Paypal claims that they will hold funds from all transactions for 21 days until the following criteria are met : 1. Complete XXXX successful sales. 
2.Receive at least {$500.00} in payments for goods. 
3. Be a PayPal account holder in good standing for at least 60 days I have completed over XXXX successful sales. I have received at least {$500.00} in payments for goods. I have been a PayPal account holder in good standing since the beginning of XXXX 2016. I called PayPal and explained that I meet and exceed all their requirements and the representative was unwilling to help and continued to make false claims as to why paypal would not comply with their own rules.
Consumer complaint received 2016-09-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C. (VA)

XXXX XXXX XXXX XXXX was paid a year ago to another agency for XXXX XXXX. Amount : {$100.00} Collection agency is : Trident Asset Management.
Consumer complaint received 2022-10-03
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: PENTAGON FEDERAL CREDIT UNION (CA)

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Im writing this letter to inform you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX CA XXXX, PENTAGON FEDERAL CR UN XXXX Date Opened XX/XX/2016 Balance {$0.00}, PENTAGON FEDERAL CR UN XXXX Date Opened XX/XX/2016 Balance {$0.00} These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts about their accuracy the reported payment history of these accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Consumer complaint received 2016-12-24
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: AMERICAN EXPRESS COMPANY (CA)

I was a customer from American Express since XXXX when I was selected to become a cardholder of a green card American Espress ; I started using the card during XXXX and unfortunately due to an economical issues I overdraft the card, after XX/XX/XXXX I stared get in contact with all the banks I had issues with to try to make an arrangement in my payments, but this credit card did not want to send me a statement, did not provide me my whole account number either replace my plastic ( I moved at the end of XXXX and lost some of my belongings during that procedure ), when I let them know what happened they denied me all my banking information and finally received a statement ( which I requested ) with the amount of XXXX dollars which I paid with a check and sent them by XX/XX/XXXX and by XX/XX/XXXX I received and email from AMEX saying they had received my payment, after that I called and cancelled my credit card and even wrote a lletter to them saying that I did not want to have any business with them anymore in order that my experience with them was just simply terrible. Now 2 years later I received a phone call from AMEX claiming a payment of the amont mentioned avobe and the representative asked me when I was willing to pay them the amount that I still owe them.
Consumer complaint received 2020-06-22
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: Byrider Franchising, LLC (OH)

I have several misspelling and inaccurate information on my report incorrect balance amounts. And unknown addresses. Several companies are reporting inaccurate balances. 
XXXX XXXX inaccurate balances XXXX XXXX XXXX  CNAC reporting inaccurate balances XXXX XXXX My address need to be removed because they are inaccurate or inverted by the numeric portion of the address I would like to dispute this information because by law you are required to report accurate information. The compaines have reported inaccurate information and its preventing me from having a place to live