davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-11
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mountain Land Collections, Inc. (UT)

I received a letter stating I owed a debt and this was the first notice I have ever received on the matter. The letter just states that I owe a debt, it does not include a date of service or any helpful information to help me do my research. I have a family member who experienced the same thing and am starting to suspect this is a tactic to gain additional interest. I ca n't help but wonder how many other people are paying outrageous amounts of interest due to never being notified that anything was owed. Though at this point, I can not even verify I owe anything as I was n't given any information. The letter is from an attorney, which I believe is meant to be a scare tactic ; but the amount is so high, I just ca n't believe it is a true debt. I think their business practices should be looked at more closely. I sent the attached letter to the collector as well via certified mail. I waited a week to submit my complaint.
Consumer complaint received 2020-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Gurstel Law Firm, P.C. (MN)

My funds from my XXXX XXXX XXXX was garnished without me being notified of a court date or summons on XX/XX/2020. The company is XXXX XXXX  which went out of business almost three years ago. My bank states it was a legal order which I have no knowledge of and never was notified until I was declined trying to make a purchase with my debit card. I receive government funds which is not directly deposited into my account but is deposited after its received. I tried to explain this to my bank and debt collectors with proof and have not been able to get retrieve my funds back. I am on a fixed income and only get money once a month I am now facing eviction and repossession of my car as I can not pay the amounts due. Approximately about {$400.00} of money was garnish from my account with XXXX XXXX XXXX and I am left with legal order fees and others that automatically is paid through my bank. I have tried to resolve the matter and not getting any response or action. This is not okay especially not being able to defend this action taken against me. The address they have on file for me I have not lived there for years and it was stated that is where I was served which is not the truth. I dont know what to do as of now to retrieve my funds back as I am disable and live on a fixed income.
Consumer complaint received 2022-07-27
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)

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my final endeavor to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2020-04-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY (MA)

American Express serve locked my account. Get a email that says to call the number on the back called multiple times at different points in the day ( 24/7 number ) it either hangs up right away, or wait on hold for 3 hours then hangs up. XXXX I found the American Express credit card number they answered instantly, and could not help with the serve account and reassured there is people working taking calls for serve but he can not help. XXXX XXXX XXXX XXXX. 

XXXX team has been useless and non helpful as well. With multiple likes and comments saying the same issues have been occurring with them.
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 — Problem with personal statement of dispute
Company: EQUIFAX, INC. (CO)

Equifax is refusing to process my dispute request. I have been blocked from filing an online dispute due to the account being closed by Equifax without my approval. The account was closed with inaccurate information and needs to be corrected. I also requested that my Consumer Statement be updated and have not received any update to my request. I contacted customer service by phone on XXXX, XX/XX/2022 to request an update and was told that my new Consumer Statement was updated and I needed to wait 72 hours and it would be available. I checked back on Sunday XX/XX/XXXX and my account has no updates. I also mailed my dispute to Equifax on XX/XX/XXXX making my request in writing to correct the inaccurate information on my XXXX  XXXX Account and My Consumer Statement. Equifax has not made any changes to my account as of the date of this complaint.
Consumer complaint received 2022-07-26
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A. (PA)

1. I requested a debt validation from this company and have never received documents confirming : A.Ownership of the debt B.Rights to collect C.Rights to sue to collect D.Proper Calculation of outstanding Debt 2. Also : A.Company continues to report unvalidated debt B. Outstanding balance is not correct C. Contract between the original furnisher and me was not provided.

After I did not receive any validation, I filed an AAA ( alternative dispute resolution ) demand to arbitrate. According to the Citi Bank Credit Card Agreement ( posted on the CFPB website ), XXXX  is bound by the Private Arbitration if XXXX claims the debt and refers to itself as the owner of the debt. 
I served both the original furnishing and the XXXX  ( through XXXX XXXX ) with arbitration demand. 
XXXX ignored this demand and committed fraud by filing a small court claim, while having an open AAA arbitration case. 
This is not only a violation of FCRA and FDCPA, but also a court fraud. 
In addition, I was never properly served, which is just a worse picture of predatory tactics as " parking the debt, '' which was not at the same time proven to be owed.
Consumer complaint received 2022-07-27
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)

In XXXX of XXXX, I had an account with XXXX for auto insurance that had been raised in premium in months prior. The payment was out of my budget at the time and therefore I began searching for a new Auto Insurance carrier. I obtained a new carrier in XX/XX/XXXX. I then alerted XXXX and asked for them to cancel my policy. The agent stated that they needed the new company to provide them with the new insurance information to cancel. My new carrier gladly sent the proof of insurance over for them to comply. I then spoke to an agent again whom at that time stated that the policy had been canceled by me, and that there was no payment or outstanding balance due. At that time, I believed this matter was resolved and there would be no future issue with any of this. 

Fast forward to XXXX of XXXX. I have since gotten a better paying position, and had began to look at my credit in hopes of purchasing a home this year. There I found a collection from XXXX, on the above said account. I have attempted to have this corrected through XXXX and through the credit bureaus with no relief. I also have an email issued form XXXX stating a {$0.00} balance. When trying to present this to XXXX or any of the credit bureaus, I have been told that they are refusing to honor their own communications to me stating that I have a {$0.00} balance with their company. This entire situation has been beyond frustrating.
Consumer complaint received 2020-04-19
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (CA)

Unauthorized HARD Inquiries from Experian XXXX XXXX, XXXX XXXX XXXX, # XXXX, XXXX XXXX, CA XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2018-05-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Good afternoon, My loan servicer Navient ( Account # XXXX ) is changing my payments without prior consent or authorization. I am set on auto pay. Originally my payment was {$41.00}. Then on XX/XX/XXXX it was increased to {$51.00} and today XX/XX/XXXX it was increased to {$67.00}.

Furthermore, I had unenrolled from auto pay sometime in XX/XX/XXXX and without my consent Navient placed me back on auto pay and withdrew funds from my account without my consent.

Please advise as to what can be done.

Thank you in advance.
Consumer complaint received 2017-03-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc. (MN)

I would Like to File a complaint on EXPERIAN CREDIT REPORTING AGENCIES reguarding late payment on XXXX account XXXX I Sent in certified mail receipt number XXXX along with copies of my XXXX account statements that I had Paid XXXX on the Months that they said I did n't I also attached a hand written Letter telling and ASKING experian That I wanted Physical Proof as to how they investigated the dispute. They failed to send me any of that Information and 3 to 4 days They said that The disputed was updated with in 4 days. I asked Experian not to use theie XXXX SYSTEM due to the fact that I HAVE MY PROOF OF PAYMENT THAT XXXX IS SAYING THAT I WAS 30 DAYS LATE OF THE ACCOUNTS AND I WAS NOT DUE TO THE FACT THAT I HAVE PROVIDED EXPERIAN PROOF OF PAYMENT WAS MADE ON TIME. I HAVE ASKED XXXX FOR THIS AND THEY FAILED TO RESPOND TO MY REQUEST SO I ASKED EXPERIAN TO INVESTIGATE THIS MATTER THEY SAID THAT THEY VERIFY THE LATES USING THERE XXXX SYSTEM AND WE ALL KNOW THAT SOMEBODY SITTING IN THERE BUTTS PUNCHING CODES I WANT PROOF AS TO WHO YOU SPOKE WITH AND ANY ANY TYPES OF VERIFICATION THAT YOU RECIEVED FROM THE CREDITOR XXXX DID N'T REPONSE TO MY REQUEST BUT EXPERIAN SAID THEY RESPONED THAT THEY VERIFY IT WAS REPORTING CORRECT I WANT SOMETHING IN WRITTING AS TO WHO YOU SPOKE WITH AND HOW THEY VERIFIED IT
Consumer complaint received 2020-04-19
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: Experian Information Solutions Inc. (CA)

Experian Business Credit has unauthorized credit inquiries on my personal report on the following dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I have asked experian to remove them and they will not. I do not have a relationship with Experian Business Credit.  Sent ceritified mail XX/XX/XXXX. Replied with file # XXXX on XX/XX/XXXX
Consumer complaint received 2015-06-27
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

to much to tell bottom line I gave my ex wife marital home threw divorse XXXX years later I filed bankruptcy my ex let the home go back to bank they hurrase me with filing loss with my old homeowners ins in my name documents keep coming a lot more need help and to file a federal suite against bac home loans
Consumer complaint received 2022-07-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (AZ)

I'm pleased to see several improvements made to my report, including the deletion of the account I had previously disputed. However, i have still account on my report that is false and the result of identity theft. I request your assistance in getting rid of the last few item on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any account that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX XXXX XXXX : {$0.00}
Consumer complaint received 2022-10-02
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. (WI)

My entire federal and state tax refund was taken for the amount of {$5000.00} for my student loans in the year 2018. There is absolutely no record of this on your end of any payment what so ever.
Consumer complaint received 2022-07-26
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (TN)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2022-10-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Credit Karma (DC)

I was a victim of Credit Karma preapproval scam. I was preapproved for several credit cards, then when I applied, I was denied. Each time they checked my credit which in return caused a dramatic decrease in my credit score. I am expecting to be compensated from the results of this lawsuit.
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. (CA)

Since I have not attended college since 1995 both XXXX Equifax XXXX and XXXX  are all violating the fcra by attempting to collect a debt unenforceable and out of range by 14 years. I received a scam call in order to consolidate all my student loans which unfortunately more than 24 years ago at compounded and since I had interest in going back to school I thought it worthy to take a look at how XXXX XXXX contacted me they assured me that they would then consolidate all of my alone so I could go to school and that was not the case. One of them to this day still refuses to consolidate with XXXX and I am hornswoggled and beaten by the credit reporting agencies and a very very very powerful Bank who doesn't seem to get the message from the last lawsuit you filed against them. XXXX has swindled me it is fraud and therefore should not be reported to any of my credit bureaus on several reasons to recap. One that is more than 24 years since this loan according to their own dates was supposedly taken. to that the exact nature of XXXX approaching me for the consolidation was absolutely fraudulent from beginning to end and it looks as if they're doing it the thousands of people. Whatever the case the three credit reporting agencies should not report that information until the matter is resolved. There is no if ands or buts that's why it's called the law
Consumer complaint received 2017-03-13
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Parnell & Parnell, PA (SC)

This problem began in the year of XX/XX/XXXX when I was not able to make payments on my account with XXXX ( XXXX Credit Card ) because of hardship. XXXX sent account to XXXX, NC XXXX in which XXXX filed a Judgement against me. Went to court and it was determined that I owed {$16000.00}, plus costs in the amount of {$190.00}, total judgement of {$16000.00}. 

Beginning in XX/XX/XXXX to XX/XX/XXXX I was making payments of {$20.00} to {$25.00} consecutive. I stopped making payments because I was faced with another hardship -- I had XXXX XXXX in XX/XX/XXXX -- had XXXX XX/XX/XXXX. XX/XX/XXXX I had XXXX. 

The big problem now is that I 'm been harassed by Parnell & Crum, PA, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX, AL XXXX who says that I owe {$18000.00} and will settle with the amount of {$9100.00}. Since XX/XX/XXXX I have asked Parnell & Crum not to contact me because I will pay XXXX directly and have sent payments directly to XXXX Processing Center. How Parnell & Crum got this account I do n't know. I want Parnell & Crum to stop contacting because the Judgement is in Court and in the Credit Bureaus. I think that Parnell & Crum is trying to get {$9100.00} and then might try to get the other half. 

If you need any documents -- I will send them to you. 

Debt is not fully paid
Consumer complaint received 2016-02-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Transunion has been historically reporting wrong information on my credit report. I have disputed the bankruptcy listed on my report. They have XXXX chapter XXXX listed on my file which is against the law to file so we know the reporting is incorrect. When I called and told the agent that was impossible to file XXXX bk in a 2 year period and I explained to them it was a chapter XXXX and the time had expired but since it 's reporting incorrectly is been on my records for an extra 2 years. When I explained this to a agent I was told they would investigate but the results were the same which says they did n't investigate the issue well.
Consumer complaint received 2017-03-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

We 're requesting your assistance in resolving a matter of a mortgage account surrendered under Chapter XXXX Bankruptcy in XX/XX/XXXX and currently reported incorrectly as open to the credit bureaus by XXXX as an active account, paid late. At the time of the bankruptcy filing ( XX/XX/XXXX ) the account was under XXXX who was appropriately notified of the bankruptcy numerous times. In XX/XX/XXXX XXXX apparently transferred the account to XXXX and it remains unclear why Nationstar is not aware of the bankruptcy filing. 

We have attached the following documents in reference to this complaint : Nationstar Account Statement Bankruptcy Discharge Doc ( XX/XX/XXXX ) Bankruptcy XXXX ( Creditor # XXXX ) Letter from lawyer sent to XXXX ( XX/XX/XXXX ) advising that XXXX was surrendered in the bankruptcy XXXX credit report pages ( XXXX , Nationstar Mortgage ) We have tried calling Nationstar but have not been successful in reaching someone able to assist. As this is an urgent matter affecting our credit score, time is of the essence.
Consumer complaint received 2022-07-26
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: ALLY FINANCIAL INC. (MA)

During the months of XXXX 2021. I was charged a total of XXXX late payments with my auto lender. Prior to these late derogatory marks on my reports I contacted the lender explaining my financial situation due to covid and promised to make some sort of payment of each month to avoid late payments on my reports. The creditor still went ahead and reported me late for several months which ruined my credit.
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: Experian Information Solutions Inc. (MS)

I ordered a copy of my report in XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX, Experian and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX  days. Please check payment history, date open, last activity and Status of the following accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX Balance Owed : {$68000.00} XXXX XXXX XXXX Balance Owed : {$690.00}