davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-11-26
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: RMS-Recovery Management Services, Inc. (NY)

RMS ( Recovery Management Services , Inc. ) XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I wish to request a substantiation and validation of debt. RMS is using false, deceptive, and misleading representation in connection with collection of this alleged debt. I dispute this inaccurate alleged debt from RMS.
Consumer complaint received 2022-12-21
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Recovery Solutions Group, LLC (MI)

Recovery Solutions Group has harassed, threatened and tried to intimidate me for filing a civil suit against their company for violating the law. This has caused me anxiety and emotional distress. XXXX XXXX has also illegal given my number out to his employees to intimidate as well.
Consumer complaint received 2021-12-27
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CUSTOMERS BANCORP, INC (NC)

Hello, I originated my PPP1 loan through XXXX, inc, funded by Customers Bank. I've been waiting all year to apply for forgiveness and was finally able to on XX/XX/XXXX of this year, many months after other lenders began accepting forgiveness applications After months of calling XXXX and not getting a human on the phone nor a response to my numerous emails, I finally get an email from them last week demanding crazy documentation like a signed bank letter saying I own accounts, personal utility bills, color voided copies of checks, marriage license etc. etc. I googled and it and discovered that I'm not alone. It appears XXXX is scamming people using the same tactics. They require the borrow to sign a docusign saying they are applying for {$0.00} forgiveness before even sending the XXXX which is not required by XXXX. I did verify with XXXX that my loan does not require the documents they are asking for because it was small ; however, beyond that, the XXXX isn't offering help. Customers Bank is the lender of record, but they're hiding behind XXXX XXXX Personally, I believe Customers Bank is ultimately responsible for their vendors and subject to CFBP intervention. I hope the CFPB investigates and intervenes into this obvious scam between the two companies screwing people out of thousands of dollars. Interest is mounting on these PPP loans while XXXX and their lenders are arbitrarily delaying and denying loans forgiveness without even sending them to the XXXX for decisioning.
Consumer complaint received 2022-09-30
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

My name is XXXX XXXX XXXX XXXX. 
I am submitting this complaint on my own behalf. I received documentation from Bank Of America that I owe them a debt in the amount {$12000.00} Account ending in XXXX. 

I requested Bank Of America to Validate alleged Debt pursuant of 15 U.S.C 1692g I requested the following : The identity of the original creditor. 
The amount of the alleged debt. 
The name and address of the original creditor The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural person ), and Bank of America, that prove I agreed to pay the alleged amount. A XXXX accounting documentation ( both on and off ledger ) showing the exact asset used to collateralize this debt. 


Bank of America received my request for validation of the alleged debt on the date of XX/XX/2022 via certified mail Please see attached documents certified mail return receipt Bank of America & Validation of Debt letter. 
Bank of America sent back the certified mail receipt with no response ( other than the receipt ). They failed to respond and provide adequate proof or validation of the alleged debt. 

Bank of America has violated my federally protected consumer rights by failing to validate the alleged debt upon request from me, the consumer. 
This account needs to be deleted from the records of Bank Of America and any /all affiliated companies records ; needs to be removed from all major credit reporting agencies. ( XXXX, XXXX, XXXX ) Thank you I appreciate your services!
Consumer complaint received 2021-12-27
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. (NJ)

On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Consumer complaint received 2022-11-27
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. (UT)

All 3 credit bureaus and XXXX XXXX are reporting inaccurate information on this account as follows : 1. Last reported date is inaccurate. The account was closed in XXXX by me. 

2. Date last active is also inaccurate due to the last payment made and account closure request by me in XXXX. 

3. All 3 bureaus are showing payment history well into XXXX that did not exist after XXXX.
Consumer complaint received 2022-02-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc. (CT)

Credit card Ginnys was never late they have been paid in full and still keep calling asking to pu my bill that shows zero dollars owed and even shows on my credit report as zero owed and it says paid late 5 times which is a complete lie Ive never been late ever and since paid it off will never purchase from magazines again ever
Consumer complaint received 2022-08-12
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. (AZ)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2019-06-24
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. (UT)

I have a creditor, XXXX Financial, reporting to all three credit bureaus that I have some sort of debt.If I ask for the details on this debt, the can not provide me any information as it belongs to a company I used to work at, and apparently not to me. 

Over the last year or so, this debt has shown up on my credit profile. In addition, it is associated with an address I have never lived at, the creditor says the debt is associated with the address. However I have never lived at that address. So even though I am not on the debt and not associated with the address, I am still seeing it on my credit reports. 

I have disputed with all three credit bureaus. It typically disappears for a short while but then reappears because they say it is associated with the address. Unfortunately I can not dispute the address because they say it is associated with someone reporting on my credit. 

It is a endless cycle. I can not remove the address because of the debt. Removing the debt ends up reassociating because of the address. Even disputing the address after removing the debt fails because it does not give them time to finish an investigation into removing the address by the bureaus before it is stopped because the debt pops back up. 

As for the debt itself, I can not get any information as information does not match on the debt. I no longer work for the other company, but even then if it is not mine, then it shouldn't be on my report. 

Can someone please help me get this resolved. Bureaus point to the creditor. Creditor points to the bureau. Any assistance would be appreciated. I can't seem to get anywhere.
Consumer complaint received 2021-10-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc. (FL)

Moneylion has locked my account for more than 10 months, they keep saying they are going to send the money back to the sender but never do it. They asked me for documents to unlock the account but they do not unlock it. They have been holding USD XXXX the account has been frozen since XX/XX/2020.
Consumer complaint received 2022-09-30
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. (MN)

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared bylaw and continued reporting of unconfirmed accounts which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$540.00} ; XXXX XXXXXXXX XXXX Owed : {$3000.00} ; XXXX XXXXXXXXBalance Owed XXXX {$7200.00} ; XXXX XXXXXXXX Balance Owed : {$1700.00} ; XXXX Balance Owed : {$3400.00}.
Consumer complaint received 2021-10-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO. (CA)

I have two Chase Freedom credit cards that, unfortunately, went into a " collection status '' in XXXX. I have paid off in full, directly to Chase, the entire balances on both of the Freedom accounts, including all penalty charges that accrued at the end of the account. 

In XX/XX/XXXX, I called Chase to ask that, as a courtesy, these paid-in-full accounts be removed/deleted from the three credit reporting bureaus, where they have been reported. 

I explained to the Chase representative that, in XXXX, I was laid off from my job, and that is why, in XXXX, I got behind on my payments. While I understand that was not the fault or concern of Chase, I am asking for some leniency now. I simply don't want to have my credit penalized for several more years because of a job loss that was no fault of my own. 

The Chase representative said he could do nothing to help me ( at that time - XX/XX/XXXX ).
Consumer complaint received 2022-12-21
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I asked Porfolio Recovery not to contact me during my working hours of XXXX to XXXX. They continued to blow op my phone with calls. Then I told them not to call at all. They still continue to call, and its repeated call after call back to back. This is Creditor Harassment and I cant get them to stop calling. I have screenshots of the calls, I will try to copy and paste to this claim. If it doesnt work I will need an email address to forward them too Recents 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 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 PORTFOLIORECOV 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 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 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 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 2021-12-27
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. (MS)

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters and called the company numerous times while attempting to obtain all information needed to remove this inquiry. This inquiry is affecting my chances highly of establishing a great history with the current company and keeping me in financial hardship. The name of the inquiry is XXXX XXXX. The bureaus reporting are XXXX, Equifax, and XXXX. Thank you!
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE (NY)

On XX/XX/2021 I tried to redeem XXXX Barclay Rewards points for {$75.00} in cash back rewards to my credit card or bank. However, as of today, I have not received this amount. I escalated the issue a few weeks ago to " XXXX '' a customer care manager, who gave me a case number : XXXX. My rewards points docket still shows that the order is " in process '' yet it's been over 6 months now.
Consumer complaint received 2021-10-17
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. (SC)

I have many inquiries on my credit report showing that is not mine. I reached out to the consumer reporting agencies numerous times over 60 plus days. Letting them know that these inquiries are not mine, fraudulent, and unauthorized by me. I ask for proof and validation of these inquiries, and they refuse to send me validation only stating that it's verified. I know they haven't tried to investigate these inquiries because they are not mine and is a violation under 15 USC 1681b ( 3 ) i want them removed immediately.
Consumer complaint received 2021-10-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (CA)

The fradulant account opened under my name. Now I have one CITI Card with late payments on my credit report that I never applied and I have collection from XXXX XXXX XXXX that again from fraudulent account I never applied.
Consumer complaint received 2022-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (FL)

- My student loans were transferred from XXXX to FedLoan with an amount of {$29000.00} - See Loan Summary Document - XXXX for proof of amount transferred - On XX/XX/2022 I called FedLoan and requested a refund of the payments I made during the COVID-19 pandemic to the amount of {$6500.00} and received a transaction ID XXXX as confirmation - See Payment History XXXX XXXX XXXX  PDF for proof of payment amount. 
- FedLoan stated it would take " two weeks to two months '' to receive a refund. 
- I called FedLoan in XXXX to confirm everything was OK for the refund and was told it was. 
- In XXXX I noticed my loan amount had been adjusted to reflect I had received the refund and my loan increased from {$29000.00} to {$34000.00}, however, I had yet to get the refund - See FedLoan - Payment History to see the adjustment and amount increased. 
- I called FedLoan after I noticed this and mentioned how my loan total had increased to reflect a refund I had not received. I was told that refunds were taking up to four months and to wait. 
- On XX/XX/XXXX I was notified by FedLoan that my loans were being transferred to XXXX - See Loans Transferring XXXX. 
- I've reached out to a FedLoan representative multiple times in XXXX and XXXX. In my last phone call, the representative said that I should give it six months to receive a refund and that they can't help me anymore since they no longer own my loans. 
- At this point it's been the six months since I requested a refund. My loan total has increase to reflect I received a refund, however, I have yet to see the money. 
- I reached out to XXXX and they opened a case three weeks ago. However, I have been trying to contact them multiple times this week and whenever I select to speak with a representative the call is disconnected. I haven't been able to reach anyone for the past week, I'm not even placed on hold, the call just gets disconnected.

- Please help me figure out what is happening with this refund. It's been six months and my loans reflect that I received a refund, even though that is not the case.
Consumer complaint received 2021-12-27
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: CITIBANK, N.A. (CA)

In response to the company 's recent response, please provide me with the authorization form bearing my signature that gave your company permission to pull my report and apply for an account. I would also like the online deposit account information that was given to you. If you are unable to provide me with this please remove these inquiries from my account. I would not even apply for the same account twice, especially if I was denied as you stated. I have no proof from you other than you stating that someone knew all of my information and used it to apply for an account. Anyone who has stolen my identity can do that. Remove these inquiries immediately. I have had an issue with my identity being stolen for some time now, that could have been anyone submitting my information online. That is not proof enough.
Consumer complaint received 2019-06-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (CA)

I have not agreement or do I own this bill. This collection agent has Placed this same bill on my credit report under different names in the past and all removed by : XXXX, XXXX, and XXXX. Now under AFNI agent, they changed the name and put it back on my credit report. Once again XXXX and XXXX take it off, but XXXX is giving me problems. They also call me for at least 10 different number minutes apart all day and use different names, but the same bill. I have called XXXX and I was told they do not have any in my name, with my SSN or address. I ask for any proof of agreement or contacted and I never received anything. I am a XXXX and having a very serious medical problem and others have to take care of me, so I need help with this matter. 
Thank you. 

XXXX
Consumer complaint received 2019-06-24
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. (WA)

Equifax ; XXXX and XXXX are reporting incorrectly late payments on the XXXX XXXX partial account number XXXX. This loan was sold ; paid in full and settled. XXXX XXXX is still reporting incorrectly late to all three ( 3 ) bureaus. ( Please see pages 8 and 9 of the attached credit report. ) This incorrect reporting is harming my credit score. Please remove these line items from my credit report.