davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation (GA)

Company states that I owe a remaining balance on a loan of approximately $ XXXX+. I have refinanced loans with this company a number of times over a number of years. I feel that the interest calculation on the loan is incorrect and that I have more than paid off this loan based on the amount of interest paid as well as paying for insurance. The company is continuing to try and collect the remaining balance and is continuously calling work and home. I want the loan to be investigated to determine whether or not it violates lending standards. If it does not then I will pay the remaining balance. If it does I want my account resolved and any negative credit reporting corrected. In addition, I want the Company to cease calling me.
Consumer complaint received 2024-05-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc. (NY)

I went to the XXXX  on XX/XX/XXXX for the XXXX  XXXX  XXXX. I had XXXX XXXX XXXX through the XXXX XXXX XXXX. Being as it was the annual the insurance is supposed to cover it. I received an XXXX showing no patient responsibility, then a second one showing patient responsibility for {$150.00}. A series of back and forth seem to have occurred between the doctors office and XXXX. I then received a bill from the doctors dated XX/XX/XXXX for {$100.00}, then a new bill dated XX/XX/XXXX revised to {$50.00}. Subsequent bills dated XX/XX/XXXX and XX/XX/XXXX came for {$50.00}. 
Finally an undated letter from Eastern Account of Connecticut, a debt collector stating they are trying to collect. 
First as stated this was an annual medical exam which is fully covered under the XXXX. Second it is clear that the insurers have neglected to pay the doctors who have decided to get the money from me.
Consumer complaint received 2022-02-03
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX / XXXX / {$0.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the XXXX-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Consumer complaint received 2024-05-09
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

FCC identity theft claim number XXXX XXXX XXXX Ga police Report for Forgery # XXXX. This debt collector refuses to respond to CFPB complaints and answer any questions. They refuse to respond to my email when that is their prefered communications. They put me in collections, sent me forged documents and expect me to pay when they can't match up the account and get me original documents. They refuse to remove themselves from my credit reports. I have just filed my identity theft with FCC and expect the debt collector to be responsible and answer according to the Fair Credit Act.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2024-05-03
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (CA)

This matter is about my identity theft and use by criminals to obtain/use a card issued by Citibank. I was informed by Citibank in XX/XX/XXXX of potential misuse of a card for which their records noted me as a guarantor. I answered several questions, several times, and completed a fraud affidavit provided by Citibank. I also e-filed an identity theft report with FTC. 
In XX/XX/XXXX, Citibank issued me a form 1099C for cancellation of debt of {$3900.00}. Since the amount was not my debt, as I never authorized issuance of the card, I complained to Citibank to have a corrected form 1099C issued to the IRS with a copy to me. In XX/XX/XXXX, Citibank issued a letter acknowledging that a fraudulent application had been made in my name and the account had been permanently closed. However, even though the XXXX tax filing deadline is passed, a corrected form 1099C has not yet been issued. I am a senior citizen and this delay is causing me great stress.
Consumer complaint received 2024-02-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2019-02-21
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (TX)

HI ON OR ABOUT XXXX OF XXXX I FINANCED A VEHICLE WITH XXXX AUTO FINANCE AND HAVE A 7 YEARS OLD COPY OF SEVERAL CREDIT REPORTS SHOWING THE PAYMENTS AND STATUS OF THE ACCOUNT BEING CURRENT AND WAS SOLD TO XXXX  AUTO FINANCE AROUND XXXX OF XXXX. AT THE TIME THE LOAN WAS SOLD / TRANSFERRED THE DEBT WAS IN GOOD STANDINGS. SEVERAL YEARS LATER APPROXIMATELY XX/XX/XXXX FIVE YEARS INTO THE LOAN I SURRENDERED THE VEHICLE BECAUSE XXXX SAID THAT I OWED XXXX ON A VEHICLE ACCORDING TO THE LOAN SCHEDULE OF PAYMENTS WAS ONLY FOR 6 YEARS@XXXX A MONTH WHICH WOULD ONLY LEAVE A BALANCE OF A YEAR. I REACHED OUT TO THEM MANY OF TIMES AND NO ONE COULD EXPLAIN THIS ISSUE. IN THE INTERIM AFTER 3 YEARS OF THE SURRENDER, NCB MANAGEMENT SERVICES REPORTED ON MY CREDIT FILE A NEW ACCOUNT ON XXXX SHOWING THAT I HAD A REPO WITH THEM, MY CREDIT SCORE DROPPED TREMENDOUSLY I DISPUTED THIS WITH ALL CREDIT REPORTING AGENCY 'S AND NCB AS " RE-AGING ''. AFTER SEVERAL YEARS OF DISPUTING NCB UPDATED THE ACCOUNT SHOWING IT AS A REPO WITH XXXX XXXX. NOW ON MY CREDIT FILE IT SHOWS 2 DIFFERENT REPO 'S AND THIS IS INACCURATE. I HAVE CALLED AND SENT LETTERS TO THE CREDIT REPORTING AGENCY 'S EXPLAINING THIS ISSUE AS WELL AS SUPPLIED SUPPORTING DOCUMENTS AND THEY WILL NOT HELP AND NCB MANAGEMENT SERVICES WILL NOT CORRECT MY CREDIT FILE.
Consumer complaint received 2022-02-03
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: Grain Technology, Inc. (GA)

On XX/XX/XXXX I applied for an account with grain technology and was approved. My issue started around XX/XX/XXXX when they sent an email stating that my bank account connection was lost. I tried everything as far as reinstalling the app, checking for updates, trying to remove my bank account and re-add it to the app but none of it worked because I could not get access to my account on the app. Between XX/XX/XXXX and XX/XX/XXXX i tried emailing and calling them multiple times. It wasnt until XXXX XXXX, XXXX that I received a response back from the company but they provided information that was of no help to my issue. I called many more times to try to just pay everything off and close the account but their line said there were no available representatives. XXXX XXXX i checked my credit report because I was getting ready to look for a home to rent, and i noticed that Grain Technology reported XXXX late payments, with the last payment being on XX/XX/XXXX which made no sense seeing that I received an email in XXXX of XXXX saying my bank account was disconnected, so i was confused at this point. This company does not have a customer service number and have ruined my credit as well many others who have left app and XXXX  reviews for this company.
Consumer complaint received 2018-03-15
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P. (LA)

I initiated a dispute with XXXX in late XX/XX/XXXX pertaining to a collection account that had been placed on my credit report from the collection company Paramount Recovery. Paramount Recovery placed a collection account on my XXXX credit report amounting to {$82.00}. I have not been contacted via phone or mail regarding this debt, therefore I have no knowledge of this account. Upon finalizing the initial dispute, XXXX responded with a copy of my credit report stating that the account in question were verified by the creditor. Paramount Recovery did not provide any documents or evidence to verify the account, but instead XXXX kept the account on my report. I initiated another dispute to XXXX in XX/XX/XXXX asking again for proper validation of this debt, but instead of verifying the debt, XXXX   reported the debt by responding with a copy of my credit report stating that the account in question was verified by the creditor. Again, Paramount Recovery did not provide any documents or evidence to verify the account, but instead kept the account on my report. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from my XXXX credit report or provide me with physical proof, such as a signed legal binding contract of the debt. Your immediate response will be greatly appreciated.
Consumer complaint received 2015-10-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation (MD)

I received a threatening letter from a Van Ru Credit Corporation about a {$20.00} balance towards XXXX XXXX XXXX XXXX. We have no debt with this company as far as I can tell with research, and have no outstanding balances with any of our medical practitioners. Normally, XXXX XXXX will send us a paper bill within 30 days of any appointment, but we have not had a XXXX ( local hospital group XXXX related appointment for nearly a year now. Additionally, when they send us a bill, it is always on the exact same form. This is a company I have never heard of, and in highly questionable font and format. Because we take extraordinary care to monitor our credit score, seeing this XXXX confused and upset me. I do n't recall having even a 'first ' notice on any {$20.00} debt to XXXX XXXX XXXX much less ignoring something long enough to require debt collection. Also ... {$20.00}? What an odd amount.
Consumer complaint received 2022-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the XXXX  gap insurance coverage they made me put in my loan agreement. I filed XXXX XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.
Consumer complaint received 2015-08-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

In XXXX, 2015 I entered a written dispute with ARS ACCOUNT RESOLUTION SERVICES reference account numbers XXXX and XXXX as contained on my consumer credit profile at XXXX, XXXX and XXXX XXXX. Specifically alleged, ARS ACCOUNT RESOLUTION SERVICES was attempting to collect a debt for which I had no knowledge and alleged was potentially opened by an unknown third party. Moreover, said accounts were appearing XXXX on my consumer credit profile notwithstanding the allegation of a single debt owed. 

ARS ACCOUNT RESOLUTION SERVICES failed to investigate, verify, or validate said debt. Although I also filed a cease and desist demand with ARS ACCOUNT RESOLUTION SERVICES an absolute requirement of the Fair Credit Reporting Act is to report said debt as disputed pending resolution of an investigation. ARS ACCOUNT RESOLUTION SERVICES failed to report said debt as disputed and failed to conduct an investigation into my allegations of potential fraud. As such, my credit worthiness has been negatively impacted by the erroneous reporting of these accounts. 

A review of records compiled by the state XXXX XXXX XXXX XXXX in Florida indicates that ARS ACCOUNT RESOLUTION SERVICES is not currently licensed to conduct business pursuant to section XXXX, Florida statute. As such, the imposition of this debt and the erroneous reporting to XXXX, XXXX and XXXX XXXX is an unfair and deceptive trade practice. 

Several phone calls to ARS ACCOUNT RESOLUTION SERVICES have met upon deaf ears. When I called to inquire on the status of the disputed account, I was advised that Florida licensing was not required. I was further advised that the debt remained due notwithstanding a lack of validation and claim of potential fraud. At this point the call was terminated. My written dispute remains outstanding. Said accounts remain on my XXXX, XXXX and XXXX XXXX notwithstanding the existence of a dispute, lack of validation, and my allegations of potential fraud.
Consumer complaint received 2022-07-20
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. (IL)

XXXX XXXX  is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the XXXX gap insurance coverage they made me put in my loan agreement. I filed XXXX  XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (SC)

I have enrolled in Navient 's rate reduction program. Being that this is my 3rd year on the program, I know how it works. I have confirmation of my enrollment in the program. In checking my account, I have found several times that my loans are past due. This should not be the case as the rate reduction program calls for automatic withdrawals. In calling Navient to express my concern, I was told that one of the loans was left out of the lineup when I enrolled in the program. However, that is a company issue, not mine. Navient gives no notice that something is awry with a person 's account, and holds the customer responsible for THEIR mistakes. A loan is something that can affect credit, if my loans are past due, without MY knowledge, that can certainly affect my credit. As the customer, I should not have to call and check behind a company. If you value your customer 's, you will make sure they are satisfied. I have done my part in enrolling myself back in the program, and Navient makes excuses about not doing their part. I should not, and will not, be made to pay late fees on loans that I confirmed were in enrolled in the rate reduction program.
Consumer complaint received 2018-03-15
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ZWICKER & ASSOCIATES (LA)

On XX/XX/17 XXXX XXXX XXXX XXXX notified me by email that they were collecting balance due on credit card on behalf of XXXX XXXX. 
We made a payment and said we would call back when we would know how much we could pay monthly. 

We are a XXXX XXXX XXXX by the XXXX. 
Zwicker and Associates notified my XXXX XXXX of the balance due on the credit card and consequently we are facing termination of our XXXX. Which we solely depend on to do business. 
Zwicker overzealous collector XXXX and XXXX were very disrespectful to me. Calling the government ( XXXX XXXX XXXX XXXX ) to report our debt and purchases on the credit card was very unfair and lawful.
Consumer complaint received 2020-10-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC (GA)

Hi im dealing with identity theft as im written this complaint I need this debt verified. With National. Credit Adjust. In XXXX KS. For XXXX plus. Im on social security and folks are.crimes and getting away with if i owe them i need to see the promissary
Consumer complaint received 2016-08-31
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (PA)

I settled an account with XXXX in 2015. I have disputed it 3 times with Equifax and they continue to leave the balance on the account. I have attached copies of both the check and my bank statement showing the settlement of {$810.00} last XXXX. This is a violation of my rights under federal law
Consumer complaint received 2015-08-04
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

First off ... I send in a request to investigate the misuse of my credit file and Consumer Financial Protection Bureau sends me an email to contact you. I have contacted CFPB over XXXX times, but only got through once. I 'm not calling again. Do the research and fix the issues that I am providing you. 

Equifax has been allowing companies unauthorized by me to view my credit file. I never gave approval for anyone to look at my credit file. I have also had a fraud alert in place with Equifax and I was under the impression that Equifax would contact me if someone was trying to apply for credit with my credentials. I have not applied for credit on some of the listed account on my file. I know that it is illegal for the credit reporting companies and for creditors to look at my file without my approval. According the FCRA, I am entitled to fines up to {$1000.00} per infraction from XXXX parties. Also according to the FCRA, it is illegal, unlawful and unjust to provide my credit file without my approval. I have not seen my signature on file with any of these companies, nor have I signed anything giving them approval to view it. Equifax is to blame for this.
Consumer complaint received 2024-02-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (MD)

I have filed several complaints against Equifax for not reporting any of my tradelines on my consumer report. The response that Equifax gave me on XX/XX/year> verified that the accounts were mine. PLEASE REVIEW MY COMPLAINT THIS WAS THE PURPOSE OF MY COMPLAINT... XXXX VERIFIED THAT THE TRADELINES ARE MINE BUT THIS COMPANY REFUSED TO REPORT THE INFORMATION TO MY CONSUMER FILE! REPORT MY ACCOUNTS IMMEDIATELY! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Rewards — 
Company: DISCOVER BANK (DE)

Last month I received a new credit card from discover card. They changed the product that I already owned as I was not using my existing card anymore. The new card looked better therefore I activated it. When I checked my account online it showed a negative rewards balance of {$120.00}. It did n't make sense for me to have a negative balance as I was not using the card much for over an year. When I inquired they did n't give me a an explanation and said they would check and get back to me. I never received a call therefore I called again to check. At that time they said it could be due to returns but since the returns over 2 years did n't even amount to {$500.00}, it was unlikely to get - {$120.00} balance. That theory was rejected and then they said they will get the issue to headquarters and some supervisor would call me in XXXX hrs. Never received a call again. I then sent a message and they replied that a supervisor had left a message on account that it could be due to a transaction that was not paid using discover card. Again it was a theory and they never mentioned the transaction in dispute. Also, how could they offer a reward and then reverse it when the card was n't even used. It did n't even make sense. I again asked for explanation and have n't heard back yet for a week now. I need to know why I have negative balance in rewards and if there is no decent explanation I want the negative balance to be reversed.