davidheineman/consumer-finance-complaints-large huggingface dataset:
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 was discharged in bankruptcy
Company: ERC (FL)

I recently accessed my credit reports as i have been experiencing suspicious calls regarding accounts that I have not applied for and found this account that does not belong to me Since 2012 accounts have been opened fraudulently using my social security card and driving license which were compromised in 2012.
Consumer complaint received 2016-10-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (MA)

ERC is fraudulently reporting on my credit reports claiming that I have a debt with XXXX in the amount of XXXX. This phone acct was fraud under my name as I did not open this account After numerous attempts with ERC as well as the credit bureaus, they have not provided me with proof such as my actual signature in opening this such account therefore still not removing this account on my credit report. They continue to tell me they verified it was mine but no proof!
Consumer complaint received 2017-01-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ERC (IL)

This formal complaint concerning and XXXX their business practices.ERC is reporting a debt is not mine This bureau continue to report inaccurate information. 

In the years from XXXX my identity was stolen. I discovered this because an auto loan was opened and several inquiries, where someone has continued to apply for credit in my name.
Consumer complaint received 2016-06-23
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alpha Recovery Corp (OR)

Good Afternoon, I am filing a complaint on Alpha Recover Corp for contacting me illegally pertaining to my siblings debt. They called me this afternoon, at work, telling me that it would be in my siblings best interest if I provided them information of where my sibling was. They have been contacting my sibling so they already had my siblings information. I then asked followup questions and they provided me their companies name ( https : //www.alpharecoverycorp.com/ ). It 's clear from their website that they are a debt collection agency. 

My main complaint is a concern of how they received my personal cell phone number. It is unclear how they got it and I 'm deeply concerned of how they are obtaining other family members information. I confirmed with my parents that they were also called. So they are working down some sort of a list that they did not get permission to have from the actual individual being contacted. 

Debt collectors have legal requirements to meet and after reviewing I believe that this company is acting outside of those bounds.
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. (MD)

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}
Consumer complaint received 2017-02-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: KEYCORP (OH)

In reference to my previous case XXXX, I want to file a formal complaint about the Ipso Facto Clause within the promissory note, which allows the automatic default by the lender upon a creditor 's formal bankruptcy filing. This was the damning clause for me as all my other private/federal loans went into a state of forbearance due to them being student loans. As such, they were not included within the formal bankruptcy debts to be discharged. KeyBank was the only institution that enforced this clause out of all my student loans held and after my discharge the debt went to collections. I feel it an unfair and highly unethical practice to allow lenders to include this clause within the contract if student loans are not dischargeable under normal bankruptcy proceedings, without proving undue hardship. As I made no attempt to prove such hardship during my filing and the inability to regularly discharge the debt, I feel the CFPB should move to block this type of institutional maneuvering and provide consumers with a more fair chance at repayment. Please advise.
Consumer complaint received 2017-02-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Upstart Holdings, Inc. (IN)

Incorrect inquiry. Merchant refuses to remove UPSTART credit inquiry not authorized XXXX XXXX, 2017 Creditor Contact Details XXXXUPSTART NETWORK, INC XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
Consumer complaint received 2016-05-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (AZ)

I recently moved from XXXX to XXXX. I attempted to open a checking account at XXXX XXXX and was told Experian had a fraud alert on my credit report. In addition to my SSN they have my late mother 's SSN ( same name as mine ) and have listed me as deceased. I 've written to Experian and have received no reply.
Consumer complaint received 2017-01-23
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (MI)

I leased a vehicle from GMAC, which was assigned to Ally Financial! The agent of Ally, XXXX XXXX engaged in fraud at the time of the execution of the lease. The vehicle was paid off timely, returned, and there was some physical damage, covered in full my automobile insurance company, the XXXX XXXX of Michigan. Based on all the actions at the inception of the lease, and Ally 's failure to properly give me the required notices at the end of the lease, and the fact that my insurance company paid Ally all monies for any physical damage, I owe Ally no money.
Consumer complaint received 2015-08-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (CA)

what experian has done is illegal. They have updated my 6.9 yrs old closed account and converted a fully paid good account with notification of paid in time into a derogatory account as being late 120 days. The account in question is a secured account so no question of any money being due.XXXX has never demanded any money from me in 6 .9 yrs. 
Converting it from a good account to a bad account after 6.9 yrs on a closed account equivalent to reporting a late payment after 6.9 yrs. This is beyond the statute of limitations. Surprising enough they report payment received in XXXX and late in XXXX.Are credit reporting companies XXXX. 
Now i have to sue XXXX XXXX. by the time they respond my account will be deleted.
Consumer complaint received 2017-02-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (VA)

I recently submitted a dispute to Experian based on inaccurate information on my credit report. There is a collection listed for XXXX XXXX, and showing XXXX as the Original Creditors. I contacted Experian to let them know that this information should be removed and that I paid XXXX XXXX XXXX in the amount of {$410.00} ( see attached ), over a year ago. Experian still refuses to remove the information, and has only updated my credit report with inaccurate information which shows a balance owed of {$410.00}. I have attached front and back copies of my check, which was cashed by XXXX XXXX XXXX over a year ago. Please help me hold Experian accountable for removing this inaccurate information from my credit report. This has negatively impacted my ability to purchase a home.
Consumer complaint received 2022-12-14
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. (LA)

This account is ilegally reporting on my credit record, This collection is violating my privacy and the HIPPA Law. I would like for this collection to be removed from my credit record within 21 days. Thanks
Consumer complaint received 2016-09-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

I, XXXX DOB XX/XX/XXXX SS # XXXX contacted all XXXX credit bureaus XXXX, Experian and XXXX about some information on my credit file. I was advised to contact XXXX about an acct I never initiated or knew about until a family member advised me they put me on their acct as an authorized user. I contacted XXXX and had myself removed from the acct and was advised none of this would affect my credit. Then after checking my credit I saw this info on my credit report and it has harmed my credit and affected my score as if I did something wrong. I should not be punished for something I did not do or had no knowledge of until after it was done. My grandmother XXXX initiated these XXXX accounts with my niece on XX/XX/XXXX with {$3000.00} limits. Hence, me being her Power of Attorney she asked for me to be on there but I told her after she done this her actions would affect my mortgage closing and now my credit is shot to ruins. Somehow XXXX used information already known about me as I am a cardholder to associate me and thus used my social security number on this to be reported to the credit bureaus. My credit is now down some XXXX points. I asked the credit bureaus to remove this because I did not initiate these accounts but only to be told to contact the creditor. The credit card says contact the bureaus so I am in a bubble here with no help. I desire to have these accounts removed from my credit file immediately.
Consumer complaint received 2017-01-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (VA)

I was a XXXX customer between XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I discontinued my FIOS service. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my FIOS service. I asked my bank, XXXX, to mediate the dispute. After contacting both sides, XXXX issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the XXXX Bank decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after XXXX Bank resolved the mediation in my favor. XXXX referred this debt to a collection agency, XXXX, so I filed a complaint with the CFPB ( XXXX ) against XXXX and XXXX. XXXX responded to the CFPB to state that XXXX had, " closed and recalled this account, '' and, " XXXX will make no further efforts to contact you. '' However, this adverse item continues to appear on my Experian credit report. I disputed the adverse item with Experian and they refused to remove the item from my credit report, even though XXXX has provided zero evidence that this is a legitimate debt. 

I am contacting the CFPB for their assistance in mediating this issue with Experian, and to help remove this black mark from my credit report.
Consumer complaint received 2017-02-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (NC)

Account below has been previously removed from credit report and has been reinserted. 
This time they have put fraudulent payments on report to reinsert it. They add a few numbers to the original account number and call it new. I have had trouble with XXXX falsely reporting account information in the past. 
Account was negative/closed in XXXX. Also account shows it was sold to XXXX so they do not have right to reinsert it. Filed dispute several times and experian will not let me dispute it again. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$0.00} as of XXXX/XXXX/XXXX Status Closed. {$660.00} written off. 
Date opened XXXX
Consumer complaint received 2015-07-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NY)

I was a victim of ID theft, I followed legal procedure by filling an FTC Fraud affidavit and also filing a report with Law Enforcement Agency. I then forwarded these docs to all XXXX credit bureaus, indicating which accounts resulted from said ID theft and complying them to remove these accounts. XXXX & XXXX complied and removed, Experian did NOT! Even after repeated attempts to enlighten them as of their legal obligations. I am thereby forced to escalate this issue to your level, I hope you 'll be of assistance. In summary, please request Experian to remove and delete entirely from my report the following XXXX accounts, 1 ) XXXX Account # XXXX 2 ) XXXX Account # XXXX. This needs to legally be done withing " 4 '' days of receipt of dispute and attached paperwork proving it.
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (DE)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2016-10-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: MOHELA (IL)

I have federal stafford loans serviced by Mohela. While earning a subsequent degree, Mohela placed my loan into deferral 3 times " automatically ''. This occurred despite my written request to them, per their instructions, to not automatically enter the loans into deferent. 
On each occasion it has taken me at least one month to notice Mohela 's error however try havenot been willing to retroactively remove the ( albeit minimal ) extra accrued interest. 

When speaking with their staff, each time this happens I 'm told that my account is in order to prevent auto-deferral and this wo n't happen again.
Consumer complaint received 2016-03-23
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kramer & Frank, P.C. (MO)

I have requested for Kramer and Frank to send me validation of this debt on a couple of different occasions. I have gotten the run around to talk to the original creditor which is XXXX XXXX. I have let them know that I am not familiar with the debt and to provide me with the proper validation showing my signature for such account and they have yet to send me that information. They also have another account in their office for XXXX XXXX but same with this account I have yet to receive the debt validation. They have not been biding by the FDCPA and I am requesting for those violationsto be addressed as well.
Consumer complaint received 2015-04-24
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Aargon Agency, Inc. (TN)

I did receive notification of debt, however, I was not given my full XXXX days to dispute. I called the day I received the validation letter XXXX/XXXX/15. I asked what this was for as I had never received anything other then this letter, they said a XXXX item could n't tell me what it was for. I advised them I would contact my insurance company and said if this is a sling I will dispute the charges. I contacted ins. They tried to reach out to the original client about what the item was because they themselves had denied the claim but she did n't know why either. They were unable to reach out to the due to the fact that they were closed. I called the next day and advised Aargon on XXXX/XXXX/15 and spoke with an XXXX or XXXX ( ca n't remember the name ) and advised them that I was disputing the debt. Verbally, I said this has no effected the credit report and he said no but I needed send in writing I dispute the debt and I only have a week in a half to do so implying to me that it would effect my credit. According to the FDCPA I have a XXXX day validation period to dispute the debt from the day I receive the validation notice not when they get the account in their office. According to the FDCPA the collection agency can not make the consumer think the XXXX Validation Period does n't exist, and the debt collector nor the agency can overshadow the validation period. I had called the day prior stating that I just got the letter. On this day I also asked for an itemization to further explain what the charge was for. On XXXX/XXXX/15 I received an " itemization letter '' stating nothing more then what I was told on the phone " XXXX ''. On that same day I called back and spoke with a XXXX who told me that is all they show. In the conversation he stated well you just said that you were told something different on the phone then in the letter and I advised him no I said I was told the exact same thing which did n't tell me anything on the phone and seeing the same thing in writing does n't tell me anything different. He basically told me I was a liar when he just misheard what I said. That is harassment according to the FDCPA. 
I had n't spoken with this agency again until XXXX/XXXX/15 to get the names of the individuals and spoke with XXXX who then trans me to the Operations Manager XXXX XXXX I asked him for the names of the individuals I had spoken with he refused to give them to me stating it is proprietary information and he only collects information. Advised him that FDCPA had been broken I was going to file a complaint he advised me I could sent that to him in writing but still refused to give me any information I asked to speak with his supervisor and he said that would be the owner and gave me his name.
Consumer complaint received 2016-12-06
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Ceannate (MA)

During a time of financial hardship I fell behind and was unable to make student loan payments. During this time I received several threatening phone calls from a company servicing my federal student loans called XXXX investment corp . Representatives at the company were demanding that I pay the entire lump sum of the loan amount. During several harassing phone calls representatives threatened to send my loan to a law office that will garnish my wages unless I made a payment of {$50000.00} over the phone. I was unsure who this company was and they were unable to confirm details of the accounts. Income based payment options were not made available. Excessive fees and high interest have also been added to my loan balance.
Consumer complaint received 2016-04-24
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

I was in a car accident XXXX XXXX, XXXX and I went to physical therapy due to an injury from the accident. The physical therapy put me into collections a total of 3 times from XXXX, XXXX. 
The accounts are as follows : XXXX/ Progressive Management : XXXX XXXX, XXXX -XXXX/ Progressive Management XXXX XXXX XXXX, XXXX -TransUnion/ XXXX : XXXX XXXX XXXX XXXX I made phone calls to the physical therapy department I went to and they had stated that it was all paid off through insurance and I did not owe anything. I had told them I was still in collections with them and I asked them to remove all XXXX of the open collections accounts a few times since I did not owe any money with them and they have yet to do so. I also have called and spoke with the collections agency and they stated that it is up to the physical therapy to remove all XXXX of my accounts from collections. I am stuck in an infinite loop where collections keeps sending me to the physical therapist and the therapist keeps saying things have been paid through insurance and i need to take it up with the collection agency. The physical therapist says there is nothing more they can do for me regarding the collection agency file ( s ). 


The XXXX collection agencies are : Progressive Management XXXX XXXX XXXX
Consumer complaint received 2016-08-04
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (WA)

I got the buyer, who purchased an item from my website via Paypal. I 've sent him his purchase and provided with tracking number, item was delivered to him. He opened a claim, stating, that he 's got an empty box. The thing is, that I have the receipt from the USPS that shows, that the package was XXXX XXXX oz, which is obviously not the weight for an empty box. I 'm not sure whether the buyer stole it or somebody on the XXXX custom ( the buyer is from XXXX ), but as a result I 've lost both my item and my money. Because Paypal closed the case in buyers favor ( he gave them a sort of the police report from their local police office ). Except from the obvious evidence ( receipt from USPS ) I would like to add, that I 've been eBay seller for more then five years, I have more then XXXX transaction and also I 've been selling from my web site for around a year and I 've never had problems like this before. And it does n't make sense to me to do that ' as this is my business which brings me money.