davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AFNI INC. (TX)

I became aware in  XXXX   XXXX  that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier.     I contacted  XXXX   XXXX   XXXX  - the provider in  XXXX  and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and   XXXX   and  XXXX  removed the items. However,  XXXX  did not ( see attached ).     In addition to collecting for a debt that is not owed, this is clea rly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.
Consumer complaint received 2022-08-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management (NM)

I was contacted by Plaza Services LLC. and XXXX XXXX XXXX XXXX XX/XX/XXXX regarding a debt taken out in my name on XXXX through a company called XXXX XXXX XXXX using my information on XX/XX/XXXX. I didn't take out a loan from this company. They sent a document to me via email telling me I must fill it out and include a police report. The police report was made but the officer was very concerned about the legitimacy of the document as it required a great deal of personal information. He told me only to send the company the police report number and nothing more. 

Police Report number XXXX with XXXX XXXX County Sheriff Office Companies Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York XXXX, United States XXXX Plaza Services , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone Number ( XXXX ) XXXX
Consumer complaint received 2020-04-22
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: CITIBANK, N.A. (FL)

My Ex wife of four years has me listed as an authorized user on her delinquent credit card account. I found this out today when I went to request additional credit in my name. I do not have any information except what is showing on my credit report which is 6 digits of the account and that I am an authorized user. I called CITI bank to have my name removed and this information be removed from my credit file and they refused to help me. I talked to a supervisor and an advisor with no help. This was today XX/XX/2020
Consumer complaint received 2017-06-14
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (CT)

PNC  bank sold the property on  XXXX / XXXX /  XXXX   as the pnc bank stated. The certificate of foreclosure was filed on the land records on  XXXX   XXXX ,   XXXX   in book  XXXX  at page  XXXX  at  XXXX  of  XXXX , CT. I had a bankruptcy in  XXXX  and it a utomatically discharged for the balance. PNC bank repre sentative stating that  PNC  bank knows I had a bankruptcy in  XXXX  but showing not a ctive on their file. PNC Bank still reporting negative credit to credit bureaus. I called the PNC Bank couple times they are still refusing. That 's another game with PNC Bank as usual, PNC Bank is the most player and always plays stupid, but we are for them. Also PNC Bank mortgage department should and carefully   exam and investigate by the Federal Government and should deeply  search about how they play with American citizens.
Consumer complaint received 2017-06-14
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: Experian Information Solutions Inc. (TX)

This company below listed a debt on my credit report after i contacted them disputing debt. The debt is not mines and it should not have been reported on my credit report. this is the third company who has reported this debt on my credit report. Not sure why a debt that is not mines keeps getting passed around to different collection agencies. Nor why once I dispute with the company they post to my credit report anyway.      XXXX   XXXX   XXXX  In Opened  XXXX   XXXX ,   XXXX   {$53.00} Original creditor :  XXXX   XXXX    XXXX   XXXX   IL
Consumer complaint received 2017-06-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MT)

I am in the  Public Service Loan Forgiveness Program . As a result, I was forced to transfer my student loans to the world 's worst loan servicer, Fed  Loan Servicing. I   was approved for the PSLF program in  XXXX   XXXX . I began making and accruing qualifying payments in  XXXX   XXXX  but continued to go to school. I filled out multiple in school deferment waivers during the period for each loan sequence because my current school kept adding loan sequences. In  XXXX  of  XXXX  I put in another deferment waiver for a SINGLE loan sequence from  XXXX  and Fed  Loan Servin g erased all of my qualifying payments for all of my loan sequences and reset them to zero. Of course, I have made multiple calls and been unable to resolve this with the loan servicer because their customer service is horrible, abysmal, and the worst in  America.
Consumer complaint received 2017-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC. (NJ)

The hospital     XXXX   XXXX   XXXX   XXXX   erroneously billed me for procedure in the amount of {$1200.00} My son   XXXX   XXXX   XXXX   and  one  of the many doctors who saw him in ER was not an  XXXX  provider ... we had no idea about this at the time ... after several attempts to clarify with  XXXX  i then worked with  XXXX .  XXXX  reissued the explanation of benefits. In the interim,  XXXX  sent the bill to collection attorney  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX . I contacted them and informed them of the error and they made note in the file. I then received a notice in the mail from    XXXX   XXXX   XXXX   XXXX   XXXX    case #  XXXX  saying I needed to be in court. I was very worried and set up a conference call between the collection attorney and  XXXX .     A few weeks later i received revised explanation of benefits from  XXXX  saying the amount i actually owed was {$700.00}. Then i received another letter from collection attorney saying there was a "  one  time '' incentive program with the hospital and I owed {$370.00} which i immediately paid. However, my credit took a huge hit and it is still saying on reports that the claim is still open. How do i correct this misinformation? thanks you
Consumer complaint received 2023-01-07
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. (FL)

I called the XXXX Bureaus after I purchased a credit report with IdentityIQ on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were Inaccurate reports on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/XXXX. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
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 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 2017-06-14
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (OH)

Some  10 plus  years ago my son,  XXXX   XXXX   XXXX , attended a college in  XXXX   XXXX  California. In the past several years, I have tried to obtain receipts, that shows debt owed, payment, debits from the total balan ce. One time some years ago a rep. from Navient   XXXX , settled some of the debt and I was told I only had  XXXX  debt to pay on. J ust two weeks ago, I called Navient, to fin d out my balance. The rep. told me that I had  XXXX  loans totaling some {$42000.00}. Without receiving any debit/credit receipts, the consumer is clearly open for fraud. ( Been told that I had  XXXX  loans vs  XXXX  loa n ) N o one can collect monies without receipts or balance sheets. My bank balance is sent to me.
Consumer complaint received 2020-04-22
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. (GA)

( XXXX true Identity theft ) I am a victim of identity theft Equifax confirmation # XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} XXXX XXXX  file number XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} LIMIT {$400.00} XXXX XXXX  Report Number : XXXX XXXX XXXX XXXX XXXX # XXXX {$180.00} XXXX {$400.00} XXXX My personal information was exposed in a data breach. i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help THESE ADDRESSES DON'T BELONG TO ME XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX
Consumer complaint received 2017-06-14
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A. (TX)

On  XXXX   XXXX ,   XXXX   I received a promotional offer for 24 months no interest financing on my Home Depot Credit Card. I conducted an over {$15000.00} transaction on  XXXX   XXXX  after being assured via email that I would qualify for that promotional rate.  Home Depot  has never honored that commitment. I have been in communications with them since that time and now they have stooped responding. I have tried to resolve this issue with  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  and  XXXX   XXXX  a Customer Care Resolution Expeditor. They refer me to  Citi B ank who tells me that I have to talk to  Home Depo t.
Consumer complaint received 2017-06-14
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. (TX)

Several years ago, while I was suffering from  XXXX , a local unscrupulous attorney conned my wife into filing for bankruptcy. I was unaware of the filing and did not sign any paperwork. The attorney encouraged my wife to sign my name. I discovered this filing a few months ago by reviewing my credit report for another purpose. The credit bureau has refused to remove the negative information so I asked to place a personal statement in the file and I provided  one  to them. This statement has not been posted.
Consumer complaint received 2020-06-21
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. (MO)

XXXX XXXX and Equifax both have encouraged me with credit card offers to open bank cards. I had none. Upon their suggestion to help with my credit score I opened several now Im being told my credit score is love because I opened these lines of credit with these bank cards. Also my credit score with these two reporting agencies is XXXX and XXXX XXXX  my credit score is XXXX. How can they vary like this? Not to mention that XXXX XXXX and Equifax both show exceptional payment history with the cards I have! I have had these cards for over two years. I have no collection debt on student loan which I believe is incorrect as I received my tax refund which would have been offset if I owed a student loan. Something is not correct!
Consumer complaint received 2017-06-14
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Navient Solutions, LLC. (MI)

Navient  sent an e-mail containing an ominous threat describing " further action '' after  XXXX   XXXX . I believe this to be an attempt to collect prior to the current class action lawsuit against  XXXX   XXXX   XXXX  being heard early   XXXX  . As well as the complaint of fraud that has been submitted to the Department of Education against  XXXX   XXXX   XXXX  being decided. I 'm fearful of this companies actions and what they are willing to do to collect prior to these legal matters being resolved.
Consumer complaint received 2020-10-07
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA (IL)

On XX/XX/2020 at XXXX XXXX  I ordered a wire transfer from Goldman Sachs USA bank. Before the XXXX cutoff for same day delivery. A representative by the name of XXXX, at the Utah service center gave me the case # XXXX. At XXXX XXXX  I checked to discover it was NEVER received on my end. I contacted management and they said I should have it by XXXX XX/XX/2020. I still NEVER received it. They tried to process two transactions and steal one instead. While only informing me of one being delayed. I Never received any completed transactions. The representative was also very argumentative.
Consumer complaint received 2017-06-14
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY (GA)

I applied for a home equity line   of credit ( HELOC ) with Wells Fargo. They currently are the company that holds the mortgage on my home. When asked in person and on-line about the purpose of the HELOC my answer was, home repair, debt consolidation and college tuition. I turned in all required paperwork in a timely fashion and also complied with their request of a copy of a written estimate for the home repair I was considering.
Once all paperwork was submitted, I received a call on   XXXX   XXXX   from the person assigned to my loan application that the application was denied. Her reason was, " you want to use the money for a repair to the foundation of the home '' that was not an acceptable reason for them. She then went into an explanation of how I could max out my credit cards to pay for the foundation work and then apply for a loan from Wells Fargo to " pay myself back '' for the cost of the home repairs. When you read all of the online and published literature from Wells Fargo about their HELOC products, never at anytime do they state that certain home maintenance or repair projects are not   acceptable.
Consumer complaint received 2020-04-22
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. (AR)

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KINGS CREDIT SERVICES (CA)

XXXX    XXXX    XXXX   XXXX   XXXX  opened date is  XXXX  this item I 'm not aware of was just given  to King Credit Services ad ded  XXXX  then given to   XXXX   and sent to  XXXX   XXXX
Consumer complaint received 2017-06-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

I first contact ed Navient via fax and mail on  XX/XX/XXXX  sta ting that I was missi ng 9 payments in all from  XX/XX/XXXX  and  XX/XX/XXXX . Finally  on   XX/XX/XXXX  I  received a letter fro m Navient asking me to supply them bank information regarding the payments I made. They wanted me to obtain the Electronic Funds Transfer ( EFT ) numbers of payments and the address to which the payments were sent so that they can research my account.. All the information was faxed and mailed to them on XX/XX/XXXX . I wrote and m ailed another letter asking for a status update on   XX/XX/XXXX and ne ver heard back. I called customer service o n XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX  and   XX/XX/XXXX . Was alwa ys told that it was still in review I could never get a supervisor or anyone from upper management on the phone. I have filled a complaint with the Federal Trade Commission and the BBB. The amount of missing payment and the outstanding interest is more than enough to pay off this loan.
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlas Services, Inc. (IN)

I dispute d Atlas Co llections through   XXXX   XXXX   XXXX   XXXX   back in  XXXX   2017 . I 'm no longer obligated to pay the debt of {$910.00} since the original creditor (  XXXX   XXXX   XXXX   )  sold the debt, making the contract between me and  XXXX   XXXX   XXXX  invalid.     As the other  XXXX  credit bureaus removed the account,  XXXX  failed to, stating in their investigation results that " this item remained unchanged from our processing of your dispute in  XXXX   2017 . '' On  XXXX   XXXX  I pulled an updated  XXXX  report and it sho ws Atlas Collections  reports the account " closed '' as of  XXXX   XXXX ,  2017 .     I sent a letter to the collection agency on  XXXX   XXXX   2017  to remove the account from  XXXX , but they have n't contacted me yet.
Consumer complaint received 2022-01-05
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. (FL)

On XX/XX/2021 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 being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days 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 be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-02-10
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. (HI)

I had identity theft happen and my credit has been ruinned as a result. Here is a list of the items I discovered on my report that need to be removed immediately thank you. 

Account Names : 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 I have attached a report that was sent to XXXX XXXX via XXXXXXXX XXXX but have not gotten a reply from the police department at the present time. Thank you again for your help.
Consumer complaint received 2020-04-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (WA)

In XX/XX/2019 the XXXX XXXX XXXX reported me to the credit bureaus as 30 days past due. This problem was happened due to I din ' t receive my bank statement from CU. I went to talk with the manager on XX/XX/2019 at the XXXX XXXX branch office, XXXX, WA. Her name is XXXX, and I paid this bill on her branch with I explained the reason that I never receive my bank statement, which causes me didn't know my checking account did not have enough funds to pay the auto payment system through CU, and she responded on this issue by asked me to contact the credit reports three bureaus. I did right away. However, From XX/XX/2019 until today the 30 days past due are still shown in the credit reports which hurts my score a lot to impact my finance, my business loans, mortgage loan, insurance, etc. This is not fair! without the bank statement is no way for me to keep track of paying my bill with CU, and I do not use online banking with CU. Truthfully, I never have 30 days past due with any loans with any lenders due to I can keep track, manage my fiance, and have done responding on bill payment very well with bank statements which they have sent me by mails, but not online. Hopefully, you understand my situation and help me to remove this 30 past due with CU and the three credit reports bureaus asap. Thank you! Stay Safty. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PO. BOX XXXX XXXX, WA XXXX The three credit report bureaus : XXXX   XXXX XXXX. BOX XXXX XXXX, PA XXXX XXXX   XXXX. BOX XXXX XXXX, TX XXXX EQUIFAX XXXX. BOX XXXX XXXX, GA XXXX
Consumer complaint received 2022-08-04
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. (CA)

I'm sending you this letter of complaint to let you know that I was a victim of identity theft. I recently looked at my credit record and found the account that was not mine. This account have never been opened by me or with my permission. I need your assistance to stop this account from reporting to my file. According to FCRA section 605b, the credit bureaus must block or delete any account mentioned in an identity theft report. To aid with the blocking of the fraudulent account that was discovered on my report, I have included some document. 
XXXX XXXX XXXX XXXX : {$1400.00}