davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-06
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Global Credit & Collection Corporation (MO)

I have been getting calls from phone number XXXX telling me to call XXXX and XXXX. They have called leaving aggressive messages on the voicemail for days. I have tried to ignore the calls and threats of turning my info over to the courts and them calling my so called supervisor. Here recent and the thing that mad me super upset was that they called a nearby contact. They stated to them that they knew I lived there and was going to come & drag me out of the house. Well this scared them they contacted me & advised they would be calling the police! That is a major THREAT to my persons & at this point I am going to file a report to law enforcement. I'm also going to initiate a cease and desist order no contact with myself or any associate. No one should be threatened to that magnitude I don't care what or if they owed anything. I'm HIGHLY upset and I'm looking for action to be taken ASAP!! The caller was a britney and XXXX XXXX or who they claimed to be. I called the numbers back and couldn't get anyone on Wednesday. I reached out to the XXXX number today they id 'd as legal services attorneys which I know they are not. They gave me info about the debt being with XXXX XXXX. They gave me the name of global and location services as I stated I had been threatened. They stated that they could not give me info or contact number for this company they used. XXXX who claimed to be the supervisor at legal services was rude and didnt want to help she kept hanging up on me at XXXX. My ENTIRE issue here is me being threatened! I will not stand for that at all you can do your job without making threats I DO NOT WANT TO BE CONTACTED BY XXXX XXXX OR ANYONE AFFILIATED WITH XXXX! They need to investigate the who I will not be threatened.
Consumer complaint received 2019-06-06
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: Nelnet, Inc. (FL)

I HAVE BEEN DISPUTING DEPT OF ED/ NELNET FOR A YEAR 6 MONTH AGO THE CREDIT BRUEA REMOVE THE ACCOUNT BECAUSE THEY WHERE NOT ABLE TO VERIFY WITH THE 30 DAY THIS ACCOUNTS DOSE NOT BELONG TO ME I REPORT THESE ACCOUNT TO THE FTC AND FILL OUT THE AFFIDAVIT THAT EVEN NELNET SEND ME AND NOTHING IS BEING DONE THEY JUST KEEP ON SENDING THE SAME THING NO DOUCMENT THAT SHOW THAT IT BELONG TO ME
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/2018, I opened an account with XXXX XXXX XXXX XXXX. The account is still open but almost fully paid. I got a missed payment on my XXXX and XXXX   credit report stating that this account missed a payment in XX/XX/2018.However, i had sent the money on time using my XXXX   XXXX account on the date that i was supposed to pay them {$510.00}. The money got cleared after a couple of days and XXXX XXXX left a negative item on my report after i already paid them on time. 
Right now 91 % of this loan is already paid.
Consumer complaint received 2019-06-06
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Riverwalk Financial Corporation (OH)

Deville Asset Management is trying to collect a deficiency balance on a repossessed vehicle, reporting inaccurate date and responsibility to credit bureaus. Additionally, this the deficiency balance is past the statute of limitations and is not a collectable balance. I have contacted the company and disputed balance with the credit bureaus and Deville Asset Management will not remove the debt from my credit report.
Consumer complaint received 2019-06-06
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A. (NJ)

On XX/XX/19 I received a cashiers check and deposited into my PNC Virtual Wallet Account in the amount of {$1500.00}. The person I received the check from asked me to send him {$1000.00} back via XXXX since he overpaid me for the item he was purchasing from me on XXXX XXXX XXXX. I sent the money on XX/XX/19. I called the bank when i was told by my father it was a scam and was told the transaction was pending and there was nothing that could be done until it posted to my account. Once it posted I called back and was told because I sent the payment and it was via XXXX they were not willing to do anything to help recover the funds and told me to sue the person. I can no longer get in touch with this person as it was a scam. I am a XXXX year old XXXX XXXX   that worked all summer for this money for school books, etc. This is having a serious financial impact on me.
Consumer complaint received 2019-06-06
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. (GA)

I've spoke to XXXX Bank and they have not provided information about proof of any contract in my name however, I have a document with the name of the debtor and account number with payment history and it does not reflect any information pertaining to my name or personal information. This loan is from the State of Illinois not from XXXX where I reside. The executive agent I spoke with XXXX did not want to remove this information from being reported on my credit file. I was not expecting any problems from this company XXXX to remove inaccurate reporting information off my report, it seems to be some confusion that I can not identify when it is clearly an issue with discrepancy with the names and addresses attached to the account being reported and XXXX is ignoring the facts and violating my consumer rights and laws from the ( FCRA ) Fair Credit Reporting Act.
Consumer complaint received 2019-06-06
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: ENCORE CAPITAL GROUP INC. (AZ)

On XX/XX/2019 I received a summons for court from attorneys XXXX XXXX, XXXX XXXX, & XXXX XXXX who are representing Midland Funding LLC. This was the first time that I was informed that I supposedly owed someone any money. On XX/XX/2019 I mailed a validation letter XXXX certified ) which I obtained from the Fair Debt Practices Act to the above attorneys since all correspondences for Midland Funding LLC go to them. I received a letter back from them but all questions were not answered. I was not able to verify anything about Midland Funding LLC if they can do business in the state of Arizona, if they have the proper licensing to do business, or even if they are a legitimate business. They denied me that right, because they did not send all of that information I requested in that validation letter. Therefore I files a motion to dismiss the case against me. They filed papers trying to dismiss what I filed & so on. There was a hearing. When I went to court I explained that I sent a validation letter to Midland Funding LLC via their attorneys they didn't answer all of the questions therefor the case should be dismissed. A few days later I received another paper from the attorneys representing Midland Funding LLC that I didn't file an answer so it should be a default. The very next day I filed an answer to the court about this case basically stating all of the above. Also in the answer I filed in court I stated because they didn't answer all of my questions, they are not allowed to continue trying to collect the debt from me, nor can they sue me, or list it on my credit report. If they do, I can file a complaint, so I did.
Consumer complaint received 2019-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Checkr, Inc (IL)

Thank you for calling XXXX Support. If you have further questions, you can always contact us from the " Help '' menu in the XXXX app. Thanks Sent by XXXX on Thursday, XX/XX/2019 at XXXX XXXX The above was an email response I received while trying to resolve and issue with my XXXX Partner account. My account is suspended ( unable to work ) per a background check by the company Checkr ( files attached ). I was unable to resolve this issue with XXXX and was told I need to follow up with the company who did my background check ( consumer report ). 
Checkr received a motor vehicle report which states that I have a ( surrendered ) Colorado license. Not only am I unsure what this  means and/or has to do with my ability to continue driving with XXXX ( as I currently live in Illinois and have an Illinois license ), my rights under the Fair Credit Reporting Act clearly state : Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment-or to take another adverse action against you-must tell you, and must give you the name, address, and phone number of the agency that provided the information. 

Per my rights under the Fair Credit Reporting Act, Checkr has failed to give me the name, address, and phone number of the agency that provided the Motor Vehicle Report information. This should render the inclusion of this information ( which is unknown to me and irrelevant to my employment ) null and void as it was specifically used adversely-to stop my independent contractor status with XXXX. 

I have attached all documents emailed to me on this matter.
Consumer complaint received 2019-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX,
Consumer complaint received 2019-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (FL)

Sunrise Credit Services contacted me by my home phone, ( land line ), on XXXX XX/XX/XXXX, saying they are a collection service hired by XXXX XXXX XXXX XXXX to collect a debt of approximately {$6900.00}. this account was opened in XX/XX/XXXX. I told them I do not have an XXXX XXXX XXXX XXXX account.
Consumer complaint received 2019-06-06
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Portfolio Recovery Associates continue to call my wife 's phone looking for me. She has told them several times that I am not available and asked if she could help them with something. They then want her to confirm information. We will not confirm any information with them because they refuse to tell us for whom they are collecting. They just tell us Portfolio Recovery. Until these phone calls started we had never heard from them. I am hesitant to give out any identifying information to someone that I have never heard of. They tell us that if we will just confirm the information then they will tell us who they are representing. I have never signed a contract with Portfolio Recovery so I feel that I do not owe them anything. I really wish they would quit calling. My wife and I have both told them multiple times to quit calling unless they were going to tell us for whom they are collecting.
Consumer complaint received 2019-06-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (IL)

I contacted Fedloan Servicing after noticing that according to my statements, none of my payments have been credited towards the PSLF program. This has been going for about the past 6 months or so. Fedloan Servicing says they have applied payments, despite there being record of doing so.

Also, about three weeks ago I faxed in my PSLF form to renew/verify my employment status does qualify under the PSLF program. However FedLoan Service recently sent me a message that stated my Employment is Not Certified for PSLF.

I've tried logging into my account, however I keep getting an error message that I've been logged out of my account. I've tried resetting the username and password, but I continue to get the same error message.
Consumer complaint received 2019-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX   XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX   XXXX ) XXXX
Consumer complaint received 2019-06-06
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. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX, XXXX XXXX XXXX  ( Original Creditor : XXXX   XXXX XXXX ) XXXX****, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX****, XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX
Consumer complaint received 2019-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the accounts are showing as having late payments when its not even true. I was never late on my payments..I 've been denied credit because of this erroneous information ..Please fix XXXX XXXX XXXX****
Consumer complaint received 2019-06-06
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: KEYCORP (PA)

Per KEYBANKs response : KeyBanks records do reflect that you applied to refinance the Account in XX/XX/XXXX. That interaction does not reflect there being a conversation around a Conversion Option. However, if your intention at the time was to exercise a Conversion Option, we regret that topic was not discussed with you at that time. 

Their regrets above are not accepted. 

I spoke to the employee at the Branch who handled this transaction prior to filing this complaint and she ADMITTED not knowing the procedure and mistakenly sending me to refinance back in XX/XX/XXXX,  when it should have been handled as a CONVERSION - NOT a refinance. Your customer notes have holes in them. Had she handled the procedure properly, we should now have a A 13-year loan instead of a 15. As of our discussion in XX/XX/XXXX - the same employee also stated to me that she DID NOT KNOW HOW THE MANAGER AT THE XXXX BRANCH DID IT and would have to call him to find out. 

We do not accept your attempt to do a half baked correction saving yourself money. 

The loan should be retroactively converted to a fixed rate as of the time I requested it in XX/XX/XXXX. It is not my problem your employee was NOT TRAINED PROPERLY TO SERVICE CONVERSION REQUESTS, nor is it my concern that your notes are incomplete because the employee was not trained properly. 

ALSO your official letter to me, XXXX, misstates our loan terms as 240 or TWO HUNDRED AND FORTY MONTHS. It is A 15-year loan!!! That is 180 months!!! 
How am I to trust Key if you cant even get my LOAN TERMS CORRECT in an official response to a CFPB complaint? 
Please respond immediately. Your check for {$640.00} is not an adequate correction.
Consumer complaint received 2023-07-24
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants' Credit Guide Company (IL)

The collection amounts in question are {$490.00} and {$490.00}. These amounts are under {$500.00}, which falls under the guidelines provided by the Consumer Financial Protection Bureau ( CFPB ). According to the CFPBXXXX XXXX debts under {$500.00} should not be reported to credit bureaus. Therefore, I request that these accounts be removed from my credit report immediately.
Consumer complaint received 2019-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX )
Consumer complaint received 2019-06-06
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (WA)

I have been communicating with my bank, XXXX, because paypal has been making unauthorized withdrawals from my account. XXXX took care of this fraud and had the money returned. 

They also notified me on XXXX XX/XX/2019 that paypal had set up a " recurring monthly charge '' of over {$400.00} from my XXXX acount WITHOUT AUTHORIZATION OR PERMISSION. XXXX has set up an automatic debit stop payment since I never, ever transferred money TO paypal from my account. 

I did not know paypal had done this. I never gave them consent or authorization to take money from my XXXX account. Because XXXX has restored the money fraudulently taken and put a stop payment on them, paypal is trying to say I owe THEM money and my account with them has a negative balance! 

This is wrong since I had about {$160.00} in my paypal account BEFORE they tried stealing money with the unauthorized automatic debit. 

I have tried repeatedly to get someone assigned to this matter to communicate with me to resolve it, and paypal has steadfastly ignored my every request.
Consumer complaint received 2019-06-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

On XX/XX/XXXX I sent certified mail a letter to Midland Credit Management asking them to validate debt and to sent additional information I requested in my letter 1. Agreement with your client that grants you the authority to collect on this alleged debt. 2. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 3. Any insurance claims been made by any creditor regarding this account. 4. Any Judgments obtained by any creditor regarding this account. 5.  Name and address of alleged creditor. 6. Name on file of alleged debtor. 7. Alleged account number. 8.  Address on file for alleged debtor. 9. Amount of alleged debt. 10. Date this alleged debt became payable. 11. Date of original charge off or delinquency. 12. Verification that this debt was assigned or sold to collector. 13. Complete accounting of alleged debt. 14. Commission for debt collector if collection efforts are successful. On XX/XX/XXXX I received a response stating they have their account notes and found their information to be correct. They have failed to validate this debt under the FDCPA and are reporting false information to all three credit reporting agencies. They claim this debt was sold to them on XX/XX/XXXX but according to my credit report they are reporting it was placed for collection XX/XX/XXXX. Even their reporting dates are incorrect. On XX/XX/XXXX I sent them certified maill a letter notice of their failure to validate debt. You have not provided a signed contract showing my liability by corresponding my Social Security with my signature. They have not shown me the agreement with their client ( XXXX XXXX  ) that grants them the authority to collect on this alleged debt. They have yet to respond to that letter. They are reporting to all three credit reporting agencies.
Consumer complaint received 2019-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX XXXXXXXX  ; XXXX XXXX XXXXXXXX ; XXXX   XXXX & XXXX XXXXXXXX ; XXXX/XXXX XXXXXXXX ; XXXX XXXX XXXXXXXX ; Chapter XXXX Bankruptcy XXXX ;
Consumer complaint received 2019-06-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (RI)

I checked my credit report before I go and apply for a secured credit card and i notice some accounts and inquiries on my reports that aren't mine. 
XXXX shows 1 ) XXXX XXXX  opened in XX/XX/XXXX for {$900.00} 2 ) XXXX XXXX XXXX  opened in XX/XX/XXXX for {$300.00} 3 ) collections from XXXX XXXXXXXX XXXX XXXX  inquiries on XXXX 1 ) XXXX XXXX XXXX  XX/XX/XXXX 2 ) XXXX XXXX  XX/XX/XXXX 3 ) XXXX XXXX  XXXX XXXX XXXX 4 ) XXXX  XXXX XXXX Transunions shows 1 ) XXXX XXXX  {$900.00} 2 ) XXXX XXXX  XXXX  {$300.00} collections 1 ) XXXX  XXXX/ XXXX XXXX  {$590.00} 2 ) XXXX XXXX  XXXX/ XXXX  {$700.00} inquiries XXXX XX/XX/XXXX and XX/XX/XXXX XXXX