davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-11
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Premier Portfolio Group (TX)

Keep Getting calls from a " Premier Portfolio Group ''? Saying they have a bad check? I have not had a checking account in 5 years and Never had a returned check when iI did have one! Sometimes it is an XXXX no sometimes a XXXX XXXX Area code, sometimes XXXX Or XXXX! This is obviously a scam and I want it stopped!!
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

Well there are XXXX accounts open with my information. XXXX of them is from XXXX XXXX service ending with XXXX and the other XXXX is from XXXX. Both these accounts were opened without my knowledge. I did dispute them with the credit bureau but they are not removing it. Please take the steps to get this resolved for me.
Consumer complaint received 2015-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

This is the third time I have contacted your company and you have still failed to delete the disputed accounts your company could not verify. After this letter, be advised that I intend to pursue litigation for the damages your company has brought to me and my family. 

Based off the fact that your company has yet to forward any documents to me, show me any proof, and the fact that its already been XXXX months so you have CLEARLY violated Section 611 ( 5 ) ( A ) and continue to show your blatant disregard for Federal Law. 

The Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That 's all your company has been doing the past couple of months and it is against the law and clearly in violation of 1681 ( a ) ( 4 ). 

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law! 


The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. Just remember when we go to litigation and your company is required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. 

So once again, please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to " ... promptly DELETE all information which can not be verified. '' I request that you do this immediately, which I am sure you are already aware of. 
Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611. 
If your company, Experian, fails to comply with federal regulations by credit reporting agencies ONE MORE TIME, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for:1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violation of the Fair Credit Reporting Act
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. (FL)

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT :
Consumer complaint received 2017-02-24
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (CA)

i have been disputing XXXX educational loans and a collection from us department of education to bureaus, but experian is not helpful at all, i have been disputing this items for two years now and they have not been resolved, please i need your help to remove these items from my records, documents will be attached. along with the dispute letter. 
thank you
Consumer complaint received 2015-06-30
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: Experian Information Solutions Inc. (CA)

I used Experian 's website to receive a credit report for {$1.00}, but my credit card has now been charged for XXXX months of Experian 's services at {$21.00} per month. I never agreed to obtain a " membership '' to Experian or to pay a monthly service fee for that membership ; I never received any communication from Experian to inform me I would be enrolled as a " member '' and that I should expect to pay a monthly fee of {$21.00} ; and I never saw any information about these pending charges on the Experian website when I obtained my {$1.00} credit report. When I spoke to someone at Experian, she stated that she can only refund my credit card for one month of the billing.
Consumer complaint received 2015-10-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Experian Information Solutions Inc. (AL)

DISPUTED XXXX XXXX BANK SINCE XXXX. WITH THE ASSISTANCE FROM THE CFPB I HAVE GOTTEN IT DELETED FROM XXXX, HOWEVER THEY REMAIN ON EXPERIAN AND XXXX. I WILL NEED THE FRAUDULENT INQUIRIES REMOVE FROM ALL XXXX BUREAUS
Consumer complaint received 2016-04-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (NY)

As per your respond to my complaint for the above mention dispute cas number, Eperian states that the item was deleted from my credit report. However see attachment, the item is still showing up on my credit report dated XXXX/XXXX/16 that i receive from experian.
Consumer complaint received 2017-01-05
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Conn's, Inc. (NV)

My Identity was stolen around XXXX of 2016, I was made aware via a credit report that a XXXX line of credit with XXXX was opened. I contacted the company and they refuse to assist me. I have called multiple times. they just transfer me to the collections recovery dept. at this point. I do n't know what to do. I never opened nor requested a line of credit.
Consumer complaint received 2015-05-20
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Remit Corporation (PA)

I am also a debt collector, recently I called Remit Corporation which is located in XXXX, PA. My husband has a supposed bill there from 2007 that has a judgement placed on it by XXXX County XXXX A woman named XXXX who works for Remit has been harrassing us about this bill. While on the phonr with her, I informed her that anything over 7 years old can not be on Credit Report unless recent payments are being made on it. She told me that obviously I have not been doing my job very long because I have no idea what I am talking about. In no way, shape, or form are you allowed to speak to a debtor or a debtors spouse in that manner. Remit has no idea what the bill is for. XXXX just keeps explaining to us that we owe over {$600.00} or there will be a Sheriff Sale on our items in our home.This is totally not right and definitely against FDCPA laws!
Consumer complaint received 2015-09-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NRA Group, LLC (NC)

Neighborhood Association ( through NRA Collections, XXXX, PA ) attempting to bill for illegal, arbitrary, and excessive debts, without due process and verification of authority -- that is, no covenants and restrictions at this association, as they expired in 1990, confirmed by XXXX XXXX XXXX, XXXX County NC.
Consumer complaint received 2020-04-19
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)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (CA)

I ATTEMPTED TO PAYOFF ACCOUNT. SEARS GAVE WRONG PAYOFF AMOUNT. I TIMELY PAID THE INCORRECTAMOUNT GIVEN MAKING THE ACCOUNT {$6.00} OVERDUE. IT WAS SEAR 'S FAULT NOT MINE.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (FL)

Citibank closed all of my XXXX credit cards without any reason and without any warning. 
They also confiscated all my Citi Thank You Points earned with these cards. 
I have not violated any rules and I do not see any reason why my cards could be closed and points confiscated. 
It looks like confiscating my points was the only reason for doing that. 
I have paid {$95.00} annual fee for XXXX cards each and {$350.00} annual fee for another card! 
I believe it is not legal and all my points should be reinstated and annual fees refunded.
Consumer complaint received 2015-06-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: AFNI INC. (NJ)

when i closed by XXXX XXXX account i paid my bill and full balance as i always do. months later i was contacted by verizon for non payment. i showed them proof of payment from my bank checking account. i was told that when i close an account that because i had phone internet and tv i should have paid the balances seperatly to different addresses. i never had done this in the past. i paid my bill as i allways have done.
Consumer complaint received 2016-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (GA)

I can not get my escrow account with CitiMortgage corrected due to tax refund discrepancies. I have been overcharged for my taxes and XXXX County tax commissioner 's office resolved the issue, but I can not get it corrected with my mortgage company. My XXXX exemption with XXXX County Tax Commissioner 's office was reinstated to my property in XXXX XXXX. My homestead exemption was removed from my property for the years of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX was the specialist that handled the reinstatement of my homestead exemption with XXXX County Tax Commissioner office. Her contact information is XXXX. The XXXX County Tax Commissioner 's office stated that they mailed refund checks because with my homestead reapplied to my property, my taxes were lower. The County Tax office stated they mailed XXXX checks to my mortgage company - CitiMortgage -- in the amounts of - {$280.00} ( check # XXXX ), {$13.00} ( check # XXXX ) and {$6000.00} ( check # XXXX ). These checks were mailed out on XXXX XXXX, XXXX. I have contacted my mortgage company several times and each time I was given a different amount on the tax refund the XXXX County Tax office sent to them. On XXXX XXXX, XXXX, I received a letter from CitiMortgage stating that the tax office will be sending them refund checks in the amount of {$41.00} from XXXX County over payment and {$950.00} from XXXX XXXX/ XXXX over payment. Then on XXXX XXXX, XXXX, CitiMortgage sent me an escrow disclosure statement stating they received refund checks of {$3500.00} ( check # XXXX ) and {$13.00} from the tax office. The discrepancy between what the XXXX County Tax office refund amounts is said to be and what CitiMortgage say they actually received is very concerning to me. I can not get my escrow account with CitiMortgage properly settled because the tax office will not give me anything in writing of the refund amounts sent out on XXXX XXXX, XXXX and CitiMortgage stated it will take 30 to 90 days to investigate the refunds the tax office actually sent them. In the meantime, with all this confusion, I have to pay my mortgage that is over charging me for my escrow, when I was already overcharged for XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2015-08-05
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (LA)

We are Regions Bank customers ; Account # XXXX. Last Saturday was the XXXX of the month, and Regions ' " Helpful '' FEE GENERATING SOFTWARE kicked in. 
Our Account was debited for 3 large Bill Payments to a. ) my Credit Union XXXX {$400.00} XXXX b. ) to my Electric Bill XXXX {$270.00} XXXX and c. ) to XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$150.00} XXXX. 
Last year, each of these payments had been re-set by me, with the personal assistance of one of Regions ' associates, for after the XXXX of the month, howeverRegions ' FEE GENERATING SOFTWARE paid them early on XXXX XXXX. 
What 's more, NSF FEES have hit our account in the amount of {$100.00}. 
Today is XXXX XXXX, and while the {$400.00} payment debited by Regions on the XXXX, no such payment has been received by XXXX XXXX as of this moment!. 
In addition, XXXX XXXX XXXX has charged me {$27.00} for NSFs reloating to not having received the {$400.00} payment, debited last Friday!!!
Consumer complaint received 2016-10-13
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC (CA)

My taxes have been taken from me for a few years in an attempt to collect my debt. I asked for inquiry of my balance. On the itemized billing that I received it shows that whatever amount they took from my taxes was credited to my balance but then " reversed '' and added back to my amount due. I have sent an email with the scanned copy of the bills highlighting where the discrepancies were and no one can give me straight answer of what 's going on and they are still attempting to collect the debt.
Consumer complaint received 2017-02-10
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (TX)

The company does not work with me. I have been applying for lower monthly payments for the past 5 years and they always lose my paperwork so when I call they say I never applied even though I have the application number. I always get the run around and I can not ever speak with previous customer reps. I can not afford this my Mom was diagnosed XXXX XXXX XXXX XXXX. I need help.
Consumer complaint received 2016-04-04
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (VA)

I am filing this complaint about the internal policies of Citibank ( Sears Credit Card issuer ). I am in XXXX with the XXXX XXXX XXXX. Citibank dropped me off of the program, due to a late payment, which is understandable from a compliance view. 
However, after I got caught up, they refused to put back in the program. 
Even though, the late payment was due to medical bills and elderly care. 
All of my other creditor 's agreed to put me back on the program, its seems their policy is hostile to the customer as it allows them to charge higher than normal rates. I want Citibank to accept the proposal that was sent from the XXXX of XXXX XXXX.
Consumer complaint received 2015-06-09
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ceannate (CA)

I had a Garnishment Hearing Decision on XXXX XXXX, 2015, from the Department of Education, for my Student Loan Debt..They decided that I owed {$24000.00} for the outstanding principal and {$13000.00} in accrued interest. The Dept. said to call them to make " reasonable and affordable payment arrangements. " ( see attached documentation ) When I called the Dept. of Ed today, they referred me to a collection agency " FMS Investment Corporation ''. I called FMS and a man told me that I owe them " {$47000.00} ''. I pressed this man to answer where the extra {$10000.00} in debt came from, since the Dept. says I only owe {$37000.00}. The man said it was in penalty and collection fees. I told him I would get back to him after talking to Senator XXXX office, because something did n't sound right. XXXX XXXX in the Senator 's office referred me to you.
Consumer complaint received 2015-05-12
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc. (HI)

I was not notified at any time of these debts that I am being charged for by XXXX XXXX XXXX XXXX on XXXX. I sent a certified letter which I had tracked to see that it was delivered to the original creditor asking to get information regarding the XXXX accounts on XXXX/XXXX/XX/XX/2015, and never got a response from them. I also filed a dispute with XXXX to have these items removed off of my credit report because I do not owe these bills.
Consumer complaint received 2017-03-27
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Fay Servicing, LLC (NY)

ON A PREVIOUSLY CASE, WHICH IT IS STILL OPEN AND NOR RESOLVED, CASE # XXXX, I AM STILL RECEIVING THREATENING LETTERS OF COLLECTION AND STATEMENTS ACCOUNT SHOWING MY ESCROW SUSPENDED, NO MONIES BEING APPLIED TO IT, AND ACCUMULATING LATE FEES. MY ACCOUNT IS CURRENT AND ACCORDING TO PREVIOUS ANSWER ON THE ABOVE MENTIONED CASE, IT SHOULD HAVE BEEN SOLVED BY XXXX/XXXX/17. I NEED AND URGENT ACTION ON THIS MATTER PLEASE HELP ME.
Consumer complaint received 2016-12-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (IN)

On XX/XX/XXXX I requested via telephone that XXXX terminate my account effective XX/XX/XXXX due to a pending relocation. XXXX XXXX of Indiana did not terminate my account timely and has alleged a debt in the amount of {$120.00}. I have received communication from XXXX separate collection agencies, including Stellar Recovery, each of which I have been provided a copy of the contractor 's receipt confirming pickup of my equipment and termination date as well as an accounting of my XXXX account paid in full. I also requested each to cease & desist communication with me regarding the matter. Stellar Recovery knew, or should have known, that this account was in dispute and that a cease and desist order was on place at the time of their XX/XX/XXXX communication with me regarding this matter. Stellar Recovery is in violation of the harassment provisions of the Fair Debt Collection Practices act.
Consumer complaint received 2016-01-11
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Element Global Services (MN)

I have not gotten a pay day loan for several years. ( not sure when exactly ). For the past two months a company named XXXX XXXX XXXX has been calling and when I answer they hang up. I am filing for bankruptcy and tried to call them back to give them my information, and every time I get disconnected. Not once have I heard from a real person, it 's always a machine. i do n't know what they want because my payday loan was paid off.
Consumer complaint received 2015-04-03
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITY NATIONAL BANK (CA)

My wife and I purchased IRA 's at City National Bank in XXXX XXXX ( actually it was the XXXX XXXX, CA branch ). The IRA Certificate Numbers XXXX and XXXX XXXX. I moved from the XXXX XXXX address in XX/XX/XXXX and gave the address change to the bank. Bank statement received showed that address. The IRA 's were automatic roll overs, so without regard to out further contributions, they should still be there generating money. I wrote to City National ( via fax ) on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with all our info attached. I was promise they would get back. I talked with a XXXX XXXX. They indicated the funds escheated to the State of California. The State of California 's XXXX 's office has no such records as of XX/XX/XXXX under my social security number. My wife ( XXXX XXXX XXXX ) do not recall cashing either out, changing the directives or getting any notices. I will scan and send all my information for your review ( as I previously did City National Bank ). We lost our money. We want it back with the compounded accumulated interest from roll overs and published rates. I understand I will need to submit a separate request for my spouse.
Consumer complaint received 2015-09-04
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: MOHELA (MO)

Company Mohela calling as debt collector for a person I live with. I am not a co-signer on the said debt and not certain how my number got in their records. Today alone, I have received XXXX calls within 1 hour. XXXX calls the day before as well.