davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Bureau of the Hudson Valley, Inc. (PA)

a debt went on my credit report that is not mine. someone used my real name, a wrong address and a wrong medical card number and this bill went on my report. i am enclosing copies of my medical card my license with my correct address and their bill showing my Wrong address ( never heard of ) and a medical card number on bill that is not my number, someone used my name and all the other information is not mine. i have medical insurance and have for several years, this was some emergency visit and i have n't been to the hospital in years. i also have insurance.
Consumer complaint received 2016-11-18
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Nationwide Debt Management Solutions, LLC (FL)

XXXX from Nationwide Debt Solutions calls my work constantly. The debt is in my Husbands name and not mine. This Lady keeps calling even when we have told her repeatedly not to call my place of business. She has been very rude to our office personnel.
Consumer complaint received 2021-11-25
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A. (FL)

XXXX As you can see this was necessary because Citibank was poor in helping me. I spent an afternoon with the branch manager @ XXXX. We spent hours getting transferred from one Citibank person to another. None were helpful, The idea was to fund a checking account, and when funded qualify for a bonus. I initiated this transferring out of my XXXX savings account to a new Citi account. One thing I was not aware was Citi debted my XXXX account. I never gave Citibank permission to enter and withdraw money from my XXXX account. The XXXX branch manager pointed this out to me, something done without my permission. 

In a reply from the above referred complaint Citibank suggested XXXX could issue an refund of funds. XXXX advised they couldn't since it was Citibank who withdrew the funds. 

I hope you get better support this time.
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 — Account information incorrect
Company: Experian Information Solutions Inc. (TN)

XXXX XXXX, XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, Dept of Ed/XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX reported to Experian that I applied for credit I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses, phone numbers, and names corrected on my report this is a violation of my consumer protection rights.
Consumer complaint received 2022-09-18
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. (MA)

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights XXXX 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-07-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (NY)

I am writing because of difficulties accessing the Public Service Loan Forgiveness program. I am currently a post-doc at XXXX and have been since XXXX. In XXXX, I sent in a PSLF verification form but received no response. In addition, my loans were not transferred from XXXX XXXX to XXXX  as required. This year, in early XXXX, I again sent in my PSLF verification, both by fax and by letter. I have again received no response. The PSLF form is correctly filled out : it was filled out by XXXX, whose HR department knows the requirements and explicitly confirmed in email she properly signed the document. 
I worry the continuing non-response will jeopardize my ability to participate in the program. Without being part of XXXX or MOHELA, I can not track the status of my PSLF applications or receive feedback concerning whether they have been accepted. I have other, older PSLF forms ready from earlier in my career but I do not want to fax and mail more documents that get me no closer to my goal.
Consumer complaint received 2022-07-22
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. (DE)

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$570.00}
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CO)

I went to my online account to initiate a funds transfer to my son 's account as I have done many times before. The screen said there were no accounts available for me to transfer to. After XXXX minutes of useless telephone menu, I gave up and hit XXXX continuously until I got a person. She had me log on again. same problem. She checked. when she finally returned she said the bank is updating its systems and has no idea when they will be available. My only recourse is to go to a branch ( I am currently too ill to drive ) and initiate a transfer from there. I do not have my son 's account number and will have to try to reach him. He needs the money for a trip. It is XXXX on a weekday. The bank should not be incommunicado at this time. I do n't know how I will be able to get this money to my son.
Consumer complaint received 2017-04-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (IN)

These are my complaints listed 1 through 4 1 ) I have student debt with Navient ( Parent Plus Loan ). They are not able to provide me with information about how much I owe from the handful of schools my children attended. This makes it very hard for me to talk with my children about this to determine which child owes what amount in an attempt to each pay their fair amount. Also, the loan payment amounts they have quoted for me are way too much for any average working class citizen in this economy to afford. 

2 ) I recently tried to refinance my home to save several hundred dollars each month. The refinancing went very well, and with only one final step, I needed to have a three-way conference call with the mortgage loan officer, Navient representative, and myself. When my loan officer and I connected with the Navient representative, she scolded me, and was very rude. The loan officer decided to end the call, and I was not able to go through with the loan. 

3 ) Including myself, friends, family, neighbors, their friends, and unfortunately now my employer, we are all currently being harassed by a caller going by the name of XXXX, who apparently represents Pioneer Credit Recovery Inc. He uses the caller ID name as Navient, and one of the handful of phone numbers he calls from is XXXX. He is calling ( harassing ) these people at all hours of the day and night asking for information about me. 

4 ) Just when my children entered college, I lost my job of many years due to economy affecting the business I worked for ( great recession XX/XX/2005 ), and could not find a job because no one was hiring. I received my loans while I was unemployed. The economy is different today than it was back then, and I do n't make nearly as much as I did twelve years ago, and just getting by on what I earn today. I 'm wondering how and why I was able to obtain these loans when I was unemployed? I would think the government would have viewed me as a risky person to lend money to. This seems very questionable, and very irresponsible for any lender.
Consumer complaint received 2022-07-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (IN)

I recently reviewed my credit report and was shocked by my finding. I found several account that are not mines. XXXX XXXX Open on XXXX. I have no recall ever opening of this account. in the amount of XXXX is charged off. This account is not mines.
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: EQUIFAX, INC. (MD)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (UT)

Loan is paid off. My experience was very clear. I had an interest rate of 2.25 % and when I called to lock in my rate I was talked out of it. Literally talked out of it. Looking back I realize that Navient aka XXXX could not give advice beneficial for me but I naively trusted the person on the other line. So here is some advice. These companies do not work in your interest when it comes to revenue. They work within their own. In other words, find someone that really knows what you should do and do it exactly that way.
Consumer complaint received 2017-04-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (AZ)

Good morning my name is XXXX XXXX ( XXXX ) about XX/XX/2009 I attended XXXX School and took out loans to pay for my school. Fast forward to now I am currently being garnish by PHEAA-AES ( XXXX ) for the past 3years to pay my school loan. XXXX ( XXXX ) just sent a judgment to garnish my wages as well US department of Education is off-setting my taxes and they as well as these collection agency AES/XXXX, AES/PHEAA, XXXX, U S DEPT OF ED/XXXX, XXXX XXXX are on my credit report with XXXX.. All are claiming ownership of my loan with XXXX school for close to {$13000.00}. How can XXXX collection agency collect on the same loan triple dipping ...?
Consumer complaint received 2022-07-22
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)

I discovered that some of the accounts on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that needs to be investigated and correct : XXXX XXXXXXXX XXXX Balance : {$630.00} XXXX  XXXX XXXX Balance : {$700.00} XXXX  XXXX XXXX Balance : {$450.00} XXXX  XXXX Balance : {$700.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXXXXXX Balance : {$250.00}
Consumer complaint received 2016-05-17
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (LA)

The following inquires are on my credit report and I did NOT give approval or permission to run my credit. I 've sent letter to the creditors and the Bureaus and have not heard back from them. These inquires needs to be REMOVED. 

XXXX XXXX, 2015 XXXX XXXX, 2015 Bank Creditor Contact Details CAP ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Please help me in getting these items deleted. I 've tried all I can.
Consumer complaint received 2016-11-05
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2013 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2017-03-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: SLM CORPORATION (ME)

I have XXXX loans through Navient as my private loan provider.. I have paid all of my bills on time. XX/XX/2016 my interest rate was 7.37 and 8.62. Now my interest rate is 8.875 and 7.625. They are variable interest rates. I do n't think it 's right for them to charge me more interest for paying my bills on time. I
Consumer complaint received 2022-11-13
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. (GA)

I visited XXXX auto dealer on XX/XX/22 at XXXX & was informed by rep/manager XXXX AKA XXXX that he could take a look at my credit with out running a full report. Which would effect my credit ( hard inquiry ). I was informed this would not happen but I was informed by XXXX credit bureaus that this is not on my report. As of XX/XX/22. This rep lied.
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: EQUIFAX, INC. (VA)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency 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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021
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: EQUIFAX, INC. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX, XXXXXXXX XXXX Pl, XXXX, CA, XXXX, Accounts : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Consumer complaint received 2022-11-13
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. (NV)

No open account associated with these inquirys and no knowledge of them, please remove and suppress this information, they will not allow me to log into my credit report to even dispute on their website. update my information and remove this incorrect data my name is XXXX XXXX XXXX my phone is XXXX XXXX XXXX my employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my address are XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  AND XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX 1681a ( 2 ) ( a ) ( i ) 15 usc 1666 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B Read A and 2 FREEZE THESE 3RD PARTY REPORTS THEIR WEBSITES MAKE IT IMPOSSIBLE XXXX XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   ( Hotel and travel ) XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXXXXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Hotel and travel ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX
Consumer complaint received 2022-07-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (CA)

I had an internet/cable service relationship with XXXX XXXX for roughly 3 years. The service became so poor, including multiple times at which service was out for multiple days- including during my families movie nights and during the XXXX XXXX. They stated my area was prone to frequent outages and there is nothing they can do but try to resolve it as fast as they can. I informed XXXX that the service was not satisfactory and I needed to terminate due to the breach on their part of contract. The service person agreed. I ended my service and returned equipment. 6 months later I was hit with a collections from XXXX  XXXX. I contacted XXXX and they said there was a mistake and yet never returned my call, they did say there was a charge after canceling the service that was in the contract- but when I informed them they breached by not providing service they said they would have to get back to me... Instead they sent me to collection. This feels very much like a calculated move to defraud customers.
Consumer complaint received 2016-05-13
Product: Debt collection — Medical
Issue: False statements or representation — Indicated committed crime not paying
Company: Debt Recovery Solutions, LLC (WA)

2 days ago my wife and i received phone calls from private number stating they have paperwork to deliver with lawsuits, then I received a notice in the mail from Debt Recovery Solutions stating I owe XXXX from a debt that is over 14 years ago that was not even mine. It was a identity theft. I called the number on the bottom of the paperwork XXXX which is a robo number stating I could win a XXXX dollar gift card to merchants like XXXX. I did not speak with anyone. This is a scam company and please review the letter I have attached.
Consumer complaint received 2016-09-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

My mortgage loan was sold to Ditech approximately 12 months ago. Ever since Ditech has received my mortgage it has been a nightmare. I 'm bombarded with invoices once maybe twice a week. Before I am even delinquent there are phone calls and more mailings about getting current. I have had and currently have mortgages with other companies and have never experienced such a confusing and negative experience on an on-going basis before EVER. Unfortunately this is not just a one time event but reoccurring every month. If I do n't look carefully at my invoices and question the charges I would be paying many unnecessary fees. Again something I 've never experienced before with any other mortgage company. I believe Ditech intentionally makes their billing statements confusing to decipher and frightens people by threatening to foreclose on their mortgages when their mortgages are not in foreclosure status.
Consumer complaint received 2021-11-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Card Acquisitions Group (FL)

XXXX XXXX XXXX XXXX showed up on my credit report in XXXX for a laptop allegedly purchased by myself and then again for a judgment for {$2100.00} for said laptop. I wasn't even in the country when this transaction took place and sent the company a copy of my orders for XXXX. I called the company and made my case. I was called a liar so I hired XXXX XXXX XXXX to dispute the file. Freedom could not provide or prove my identity so it was removed from my credit report. Problem solved right? No! 

Today XX/XX/XXXX. I received a credit alert that my score dropped 39 points. A law firm claiming that I owe military credit services over $ 9k. Called.. amazingly someone answered. This account was sold from XXXX to another company security credit services ( who never contacted me ) and sold again to XXXX XXXX XXXX and now sold to another company Foster and Monroe llc. 

16 years later from {$2100.00} to over {$9000.00} and can not prove ownership. Yes they have my information, but I wasn't even in the country at the time of purchase. How is this legal?????
Consumer complaint received 2020-11-11
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: LDF Holdings, LLC (GA)

I've previously made two payments in the amount of {$450.00}, however I find an interest rate of XXXX  % too extreme. I know this is a { 12 } month short term loan, but I find that this rate is extremely high. XXXX # XXXX