davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-06
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: AES/PHEAA (NE)

The past 11 years have been filled with attempts by me to make the American Education Services aware they have a loan on file with my name and information attached that I did not sign for or agree to. I have spent 100s of hours on the phone, written letters, filed a fraud packet and still continue to have my credit with only XXXX negative mark on my report and that is AES. The was originally through XXXX. I believe they took my information from a loan application, changed the terms on the promissory note and pushed it through. I believe they then sold the loan to collect on it and AES is servicing the loan for National Collegiate Trust. I have been patient but I can no longer take the harassing phone calls, emails, letters and reports they continue to pump out in an attempt to extort money from me. I have done everything possible to make them aware of the fraudulent activity on the loan but they refuse reasonable actions. I have filed complaints with the office of the governor for the states of XXXX and XXXX. I have also contacted the AG in each state and at the federal level. I am a XXXX with limited income so hiring a lawyer is not possible. I have paid every debt I 've been attached to without fail. I have worked extremely hard to keep my file clean. I will not give in to extortion under any terms. Can you please assist in correcting this matter. I do hope you will take this statement seriously and assist in an earnest fashion. I have XXXX and XXXX so I am not ignorant about the way things work. I also grew up in XXXX and I know a scam when I see one. XXXX XXXX XXXX should be investigated for the way they handled student loans the same way they did with mortagages. AES should be investigated for ignoring client attempts to resolve the matter. National Collegiate Trust should be investigated for hiding behind AES and refusing to accept the claims of fraud I have pushed through on the loan and for failing to proved contact information as a loan owner. I have tried to locate NCT but can not find who they are or how they can be reached. PHEAA should be looked in to for ignoring complaints on a reagular basis and showing favoritism to lenders over citizens. I am extremely disappointed over the way all parties involve can push lillegal activity and never be held accountable. Their policies are in place to gain the greatest amount of money and hold attached parties in a slavery position with no remorse. All the documentation you need is in the files of AES. XXXX. NCT and XXXX.
Consumer complaint received 2022-07-23
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: EQUIFAX, INC. (GA)

Upon reviewing my reports, incorrect information are being reported to my personal credit file. The XXXX, Equifax and XXXX XXXX XXXX XXXX have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-05-29
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Nelnet, Inc. (FL)

XX/XX/XXXX, I requested a student loan consolidation with NelNet XXXX XXXX XXXX. XX/XX/XXXX the consolidation was said to be updated and completed. This update reflected with XXXX and XXXX. However, XXXX reported my consolidated debt of {$47000.00} and also the accts that were to be consolidated, which also totaled {$47000.00}, to appear that I have a total of {$94000.00} in debt with NelNet/ XXXX XXXX XXXX . I began to reach out to both XXXX and Nelnet and both gave conflicting information. Nelnet would tell me that they have sent an update to XXXX to reflect that all individual accounts were consolidated but XXXX would state that they have not received any information from Nelnet. 

Now, XX/XX/XXXX all three bureaus are shows duplicate debts owed as the accounts that were once closed and consolidated are now showing open again. This process is costing my children and I shelter as we can NOT finding suitable housing to live because of this issue. 

Nelnet has made false promises over and over again to resolve issue but yet have done so. I have pleaded with them to correct this issue and have explained that because of their error my family and I are now XXXX. 

No one has helped and this is become emotionally unhealthy for me and my children. 

I am demanding that they remove all closed accounts permanently from all three credit bureaus as they have failed to properly update. 

WE ARE XXXX DUE TO THE NEGLIGENCE OF NELNET/XXXX XXXX XXXX.
Consumer complaint received 2017-04-06
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Aargon Agency, Inc. (CA)

A certified letter was sent to Aargon Collection agency regarding a debt to XXXX hospital. In this letter, there was a request for a form that authorized XXXX to release my private information to them along with a statement to validate the charges.XXXX released my private medical information detailing services that were provided without my authorization that is a clear HIPAA violation. HIPAA privacy laws. I never authorized my information to be released to any third party company. There is no signature or anything on any documentation that has been provided. The collection agency directly violated my PHI- under HIPAA law.
Consumer complaint received 2022-07-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

I don't know why the XXXX Im submitting a complaint for the fifth time. These companies are on some XXXX  XXXX until you file a complaint with the courts.I have called this credit reporting agency about reporting this account issue in XXXX, They told me they don't go by the FCRA and they have to do their own investigation. I think that is XXXX! I am a " CONSUMER '' and they are just a reporting agency. the laws were set in place to protect me and my information. They sent me a XXXX  XXXX letter saying " they verified the information as mine!!!. They are clearly violating the law. They gave a weak excuse to weasel their way out of following the law or replying to me with the real information. Im not going to keep playing games and I will have to file court papers and get paid for these violations and the stress it is causing me everyday. I shouldn't have to write these complaint letters about a collection agency reporting adverse information on my consumer report.. Yes it me XXXX XXXX XXXX and EQUIFAX AND XXXX. don't try to XXXX  XXXX your way out and send a letter saying we don't know if this is you. yes XXXX last XXXX of my social is XXXX. Delete the XXXX negative item you are reporting. Or should I spell it out ... {$1000.00} dollars for each violation. according to the FCRA. or does you company follow those laws.You couldn't!! 
Read number ( 5 ) As a matter of fact read ALL of the following... 15 USC 1681c : Requirements relating to information contained in consumer reports1681c. Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.

( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.

( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.

( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

I did not give you written permission to publish this information on my report. No one nor did I give you the legal authority, you just assumed it.

So.. address the issue and delete the adverse information and don't tell people when they call in you do it your way, no you should do it according to the laws that are set in place.
Consumer complaint received 2016-08-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IA)

I ran my free credit report through Experian and found a negative report from the following company that I have never set up a credit card with and have never received any sort of a past due notice. The creditor 's information is : XXXX, XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Consumer complaint received 2015-04-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

I was charged a $ 20 monthly fee for a checking account and did not realize this until XXXX fees had been charged ( XXXX and XXXX XX/XX/2015 ). No checks were written for insufficient funds. When I complained I received an email indicating {$20000.00} was a minimum balance. I do n't recall being informed of that before and these fees were not levied previously.
Consumer complaint received 2022-07-22
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. (AZ)

I believe my personal information was compromised there are unauthorized and unverified fraudulent inquiries reporting on my credit reports XXXX XXXXXXXX/Equifax ) I have not applied for anything and these need to to be removed. 

Equifax XXXX, XXXX. 
Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX
Consumer complaint received 2016-08-30
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (IN)

I have been trying to get a copy of my credit report from equifax for months. I tried annual credit report.com no such luck it told me I did n't answer the questions correctly. Which tells me something is on it that should n't be because the questions were about mortgages and I do n't have a mortgage. I have called them. Did n't get anyone that I could understand and I sent in a form and got it back telling me I did n't send ID and attached to the form is a copy of my ID. I tried to sign up for the plan at equifax.com and get it online. no such luck. I 've also tried for several weeks to get the pin number to remove the freeze from several years ago. No such luck there either. I keep getting the run around.
Consumer complaint received 2016-12-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CCS Financial Services, Inc. (AZ)

CCS called my phone and spoke with my brother and disclosed that it was pertaining to a debt without verifying who they were speaking with. This caused embarrassment to me through my family since they know that collections means debt.
Consumer complaint received 2020-06-17
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (FL)

On XX/XX/XXXX a deposit of {$2400.00} was made. On XX/XX/XXXX and XX/XX/XXXX two deposits for XXXX each were made. As of this morning my account was positive {$61.00}. This evening upon checking again, it was put into the negative {$120.00}. After contacting the bank, I was told that there was nothing that could be done. They have taken fees that were covered by several deposits.
Consumer complaint received 2018-12-01
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: EQUIFAX, INC. (IN)

Reached out to the 3 Major bureaus in regards to a repo that's showing on my reports that is not mines, advised XXXX, XXXX, and Equifax and nothing was done, I even received paperwork from the company. Attaching it along with this document, Ijust want this removed its hindering me, this repossession is not mines and I'd like to get this handled in a timely fashion if possible.
Consumer complaint received 2022-07-22
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: WELLS FARGO & COMPANY (GA)

Dear CFPB, I hav contacted Wells Fargo numerous times to get some resolve with account ending in # XXXX in which there is an existing CFPB complaint XXXX where an investigation was started. Wells Fargo did in fact react out to me to advise that they are looking into the matter but the last communication was XX/XX/XXXX. I would like to know if they can't get me the information that they are reporting to the credit bureaus about a fraudulent account then how and why are they saying this is a valid account when they can't give me answers. Times are difficult right now for a lot of people and I've been dealing with this which is damaging my creditworthiness and has been for awhile now. 

I've expressed to Wells Fargo that someone used my ID, my social etc and opened this particular account. I was recently contacted by the Internal Revenue Service where someone filed my XXXX taxes even though I myself haven't even filed. I am not sure if Wells Fargo just want to damage a persons life more or what but it sure seems this way. Again, I dispute with the bureaus and they verify and say it's valid but Wells Fargo case # XXXX has not been helpful at all in the matter. At this point it's been since XXXX and should be deleted based on the shortcomings alone that I've been put through. 

I am also asking that XXXX, XXXX, and XXXX look into this matter also and tell me how they are validating an identity theft account? I am attaching my last piece of communication from Wells Fargo dated XX/XX/XXXX and ask that they please delete this for my police report, my Federal Trade Commission Affidavit has been attached again for review. I am also attaching the IRS identity theft letter ( it gets no more official than this ) this person used my name, signed my name, and filed taxes as me- to show them that a person can have all of my information and it " NOT '' be me Please help! and stop hurting me. I'm having very difficult times right now and I am sure many of us are. I need a person with a heart to read this and understand I need this removed.
Consumer complaint received 2018-05-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO. (OK)

I had an approximately {$1800.00} balance on my account in XX/XX/XXXX, which I paid off in full before the due date. I thought that took care of the credit card. I happened to check back online to make sure the balance was paid off, and found they had charged me an additional {$30.00} interest after I paid off the balance. When I called, they said because I didn't call and ask them the balance, that was normal to charge interest on the balance during the month of XX/XX/XXXX that hadn't been billed, yet. I have never had a credit card charge extra interest after a balance is paid. I told them that made no sense, and they said it is the way they do business. I feel that is the same as charging interest on top of interest and should not be legal. I want my {$30.00} returned. I canceled the card, telling them I did not wish to do business with a company like that.
Consumer complaint received 2022-08-17
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: MedShield, Inc. (IN)

I am currently trying to close on a house and was advised that I had 2 medical bills on the reporting agencies from 2012 by the amounts of XXXX and XXXX from XXXX XXXX XXXX. I was told it was sold to a Med Shield Incorporated. This debt beyond the 7 years limit and needs to be removed. They are still reporting it as if it is a new debt. I requested it be removed and they are not willing to do so nor give me further information to resolve it. They were rude to my financial advisor when they called with me on the line to get further information about my debt.
Consumer complaint received 2022-07-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (MA)

This a follow-up to complaint XXXX. 
Citi states that I did not receive the {$700.00} bonus because the checking account " does not have you as the first signer, therefore, you did not complete the required activity to receive the {$700.00} Bonus. '' This is a joint checking account with my wife. The " Terms and Conditions '' do not make any mention of joint checking accounts, let alone requiring that I be the first signer. All signers to a joint account have the same rights and privileges regardless of the order in which they signed. Most banks do not differentiate between signature order. Your " Terms and Conditions '' do not indicate that Citi makes that distinction.
Consumer complaint received 2022-08-04
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: EQUIFAX, INC. (TN)

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX XXXX XXXX Account # XXXX, Amount {$390.00} ) violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2015-09-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivables Performance Management, LLC (FL)

In the course of XXXX days I have contacted Receivables Performance XXXX times in writing and requested proof of the debt to be sent to me. I have never heard back from them. By law if they can not provide proof of the debt within 30 days, they have to remove it from the credit report and stop all collection activities.
Consumer complaint received 2020-04-19
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: EQUIFAX, INC. (AZ)

I Have never applied for credit in the years before. When i started to check my credit in 2017 i realized that someone was using my social security to work and to obtain credit. I filed a identity theft report. All accounts have been removed from my accounts that were not supposed to be there but 2. XXXX account and XXXX XXXX. I NEVER signed any paper work or obtained loans from these creditors. I asked XXXX XXXX to give me information on the person that obtained the loan. They didnt want to. They just kept saying that these are my loans. THEY ARE NOT. They didnt have any employer information, how would they give a loan to someone that didnt have a job? i need this removed from my credit NOW!!!
Consumer complaint received 2015-08-24
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (SC)

T J Maxx credit card. 
XXXX made a {$70.00} payment to TJ Maxx based on the statement which had the minimum payment of {$35.00} a month ( XXXX and XXXX ). Set up electronic payment to pay {$35.00} a month for XXXX months. According to the credit card company Synchrony the payment for XXXX should have been {$80.00} and they have been charging me late fees off that XXXX dollars since XXXX.
Consumer complaint received 2022-07-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (TX)

I have an existing credit freeze with all XXXX credit reporting companies since 2014. I have had special pins and log ons and was always able to unblock my credit for specific companies for short time periods. 

Currently I can not un block my credit with Equifax. I have tried to reset my pass word 3 times online and can not get anyone on the phone after multiple calls. 

I DO NOT WANT ANY OF THEIR STUPID MEMBER XXXX, i don't want emails I just want to block and unblock my credit reports when I need to. 

Currently, XXXX XXXX is reporting an Equifax Member XXXX set up is blocking all 3 credit reports to their company to complete a mortgage application.
Consumer complaint received 2022-07-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IL)

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX XXXX Account Number XXXX Bal : {$300.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.
Consumer complaint received 2016-10-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credence Resource Management, LLC (CO)

This new collection appeared on my credit file which I do not have a new XXXX collection. I have fought this same thing with a prior agency and now it appears again with a new company. Please help