davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC (OR)

" XXXX XXXX who claims to work for Direct Recovery Services '' has launched a campaign of repeatedly harassing/threatening me about a " Debt '' that is likely not legitimate, NOR MINE!!. The other reason that I'm filing this complaint has to do with the fact that I'M NOT THE PERSON WHO THEY CLAIM OWES THEM!! This is is in direct violation of UDAAP & FDCPA & I'm on the national do not call registry & " Tim Bell '' knows this, they're claiming my little brother is the debtor they're targeting. They have been told by me at least 3 times & after I got angry because they keep calling me at work, they promised to call me all the time until I convince my brother to pay them!!! Another reason for this complaint is because before they knew if they were even contacting the right person, they were leaving very detailed voice-mails with my brother 's personal information!!! I'm BEYOND ANGRY & WANT SOME RETRIBUTION!! 

Regardless of a debt, you harass the wrong person, you gave out identifying information about your intended recipient to a 3rd party you don't know, you have been notified by me that I'm NOT your debtor, & you made threats to escalate your deceptive practices. You have broken many laws & I want you fired or at least fined & reprimanded, you forget easily that there's REAL PEOPLE on the other end of the phone!! My job is very important, yours ... .... Not so much,
Consumer complaint received 2021-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (CA)

" Resurgent Capital Services '', " LVNV Funding LLC '' and " XXXX XXXX XXXX XXXX '', all have been sending me Collection Letters, Settlement Letters and Threats of Collection, for a " XXXX XXXX Credit Card '', that I did not possess, with an outstanding balance of {$840.00} dollars ( XXXX ), all of the aforementioned Fraud Companies have also tried to get me to sttle for half of the total amount, they claim I owe, I had fought this " Fraud '' debt as far back as ... 2005? and assumed that it had all been settled through " XXXX XXXX '', till just recently, I have even checked my credit report, and do not see this negative strike? this is from 16 years ago, and I doubt that, I still have my correspondence records pertaining to the settlement? I have requested documents of proof from " Resurgent Capital Services '' and " LVNV Funding LLC '', and have yet to receive any type of documentation, this I feel is " Double Fraud '' and plan to have my bank put a block on these 2 establishments. THIS IS CRIMINAL! 

I have attached the latest " Fraudulent '' demand letter. 

Regards, XXXX XXXX
Consumer complaint received 2021-07-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (SC)

Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Experian Information Solutions Inc. (NC)

I downloaded the Experian app about a year ago to get advice on raising my credit. Using the steps on this Experian app and paying off debt and current with others, this app now says that I have a FICO score of XXXX. When I went to a local dealership to purchase a car, I was told that my FICO score was XXXX. I have never been so humiliated in my life. When I spoke to a Customer Service Rep at Experian, he tried to explain it as a " metrics '' issue. What type of " metrics '' cause lenders to have FICO scores with XXXX point difference from what potential customers are seeing from Experian? Now I have inquires in my credit all based on a product that obviously is a scam. Any help with this issue would be greatly appreciated. You can contact me XXXX. Thank you for your time, and I hope to hear from you soon.
Consumer complaint received 2021-07-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

Under 15 USC 1692g Portfolio Recovery XXXX, XXXX dont have the permission to say I owe anything. 

Under 15 usc 1602i " characterizes the transaction as one in which the party to whom credit is offered r extended is a NATURAL PERSON '' .thus as per this statute, a consumer is a natural person, thus, can not be a organization which makes me XXXX XXXX the original creditor. 

Under 15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

Portfolio Recovery Associates have committed five violations Under 15 USC 1692k 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
Consumer complaint received 2022-09-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/22 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and definitely being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days given a reason to immediately remove those items from my credit report it has been over 60 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 data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XXXX XXXX XXXX XXXX XXXX reported me more than 30 days delinquent when I was in COVID related forbearance several months ago. I have tried for months to resolve this with them. I submitted copies of the credit report, as they keep saying they need that to do further review. Finally a customer service representative did a full review of everything in my file, and sent the letter showing my forbearance to the credit dispute division. Then I received an electronic copy of a letter in my XXXX login on XX/XX/XXXX saying a correction was sent to the credit reporting bureaus and to allow 30-45 days for correction to go through on my credit report. I got an alert on XX/XX/XXXX from one of the credit reports I monitor, saying there was a change to my credit sector. I logged in, and it said on XX/XX/XXXX my account with XXXX was updated to current. However the 30 days delinquent mark is still there in the report. It needs to be removed, as it was clearly a mistake and XXXX has admitted this. But my thinking is they did not make it clear to the credit bureaus that they made a mistake, they would rather just imply that I paid up and am now current instead of admitting that they falsely reported me delinquent and made me suffer all these months to convince them to correct it. XXXX XXXX XXXX XXXX needs to contact the credit reporting bureaus and tell them to REMOVE COMPLETELY the 30 days delinquent mark on my credit report, because it never happened. It was a mistake on their part, I was in forbearance at the time, and needs to be deleted off my credit reporting record in order for my score to improve to what it was before they made this horrible mistake. Its not fair or right to tell the credit reporting bureaus that I paid off the 30 days delinquent and am now current, instead of telling them the truth which I was never delinquent at all. That 30 days delinquent charge is still on my credit report for anyone to see, and it will prevent me from getting a car loan, a credit card, etc for the long term foreseeable future until they do what is right and tell the credit bureaus the truth. Attached is the proof of my payment history with XXXX, including the letter of forbearance for the period in question on my credit report. Plus copies of the negative report still on my credit as of this week, and the new verbiage which states I am now paid as agreed, instead of stating the truth which is that I was never delinquent at all. This negative mark needs to be deleted entirely off my credit repertoire, which the credit bureaus will never do unless XXXX is upfront and direct with them that they made a mistake.
Consumer complaint received 2021-07-13
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: Navient Solutions, LLC. (NY)

I've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 375 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.
Consumer complaint received 2021-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WV)

Below is a cut and paste of a letter sent to TransUnion. I tried calling and got a rep who couldn't do anything to help except try to sell me reporting service. It is serious to affect my credit this way and makes no sense XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WV XXXX SSN XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX  XXXX XXXX, PA Gentlemen : I am writing to you due to the XXXX point drop in my credit report which makes NO sense. I had a credit card balance of over {$7000.00} related to my husbands funeral and final expenses. I had a credit rating in the high 700s. I finally paid it off and instead of my credit score going up since I had less debt, IT DROPPED XXXX POINTS. I also paid off my car. 
Well, that was very upsetting to say the least, so I started running my normal expenses through my XXXX card since it appeared to me you didnt like me having no debt. I paid the account off in full each month and figured that was what you wanted. So then I get a notice through one of the consumer credit monitoring pages that you dropped me again to XXXX because I was spending too much money on my credit card, even though it was paid in full each month. 
You cant have it both ways, drop my score because I paid off a large bill and then drop it again when I spent {$3200.00} buying necessary, one time purchases for my home which again, I paid in full. 
Something is wrong with your scoring method. It makes so little sense that even XXXX XXXX couldnt understand my credit dropping because I PAID OFF A BILL. Then to drop it again because I bought needed items and paid it in full is ridiculous and makes no sense. 
This letter is to request that you immediately return my score to the high 700s as I have done nothing to lower my score. Even my bank could find no rhyme or reason to this. 
Which is it, you like debt or you dont. 
I am sending a copy of this letter to both the Federal Trade Commission and to my congressional representatives as this makes no sense and is unfair. 
Disgusted, XXXX XXXX XXXX
Consumer complaint received 2023-06-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

My Credit report is showing that 2 XXXX XXXX charge offs i have paid off was Illegally reporting monthly on my credit report, as this is a violation of the FCRA. Charge offs were not supposed to be reporting monthly. Please delete charge off accounts from credit reports as this is illegal or i will seek an attorney for damages.
Consumer complaint received 2021-06-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PENTAGON FEDERAL CREDIT UNION (CA)

I tried disputing a transaction with XXXX XXXX XXXX. I paid XXXX membership fee for a credit line which would report to all of my credit reports ( {$10000.00} line ). 
When waiting from XXXX to now. Pend fed has pull my credit report several times I can confirm that I never received the credit line. 
The company currently doesn't have any physically store that are open. But the main purpose of me getting the account was for the credit line to report to my credit reports. 
I had to connect pen fed several times over the span of a few weeks in XXXX to dispute this charge. its was never properly handled. 
I originally received a letter after less than a we closing my first dispute attempt. The letter claimed I got a temp credit I never received the letter list a that they tried to reach out to me in though the never did. And the call back number on the letter wasn't even a working number. 
After reaching out the XXXX dispute attempt was closed in about a week or so. This time I actually received a temporary credit that was suppose to be taken back but is the still sitting in my checking account as of the time of writing this. 
They assigned the dispute back to Each and every time I called I was told by a baseline rep the was much they could see and attempted to get me to the dispute department. No one from the disputes department would talk to me or call back. 
I received an email and also was told I would receive copies of the contract and information of the dispute. I have yet to receive anything b mail and majority of the links in the email did not work.
Consumer complaint received 2021-06-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (TX)

My name is XXXX XXXX and have an XXXX  Amex card ending in XXXX, we bought some tickets last year before the pandemic to go from XXXX to XXXX and XXXX to XXXX in XX/XX/2020 on a XXXX leg of the trip. The XXXX leg was on XXXX XXXX and the XXXX was on XXXX  airlines. Due to the travel restrictions and airlines cancelations, XXXX XXXX refunded our money but we are having issues with the XXXX leg of the trip. Its been months that we are trying to get the refund on the XXXX to XXXX leg. When ever we call Amex customer service, its been a couple of times we are asked to call XXXX  airlines and have them send the refund. We are also told because your fee rules indicate there is no refund on this ticket. Nothing was clearly told to us that if pandemic hits and the flights are canceled we would not get the refund on that flight. We have XXXX little babies who were traveling with us and didnt want to travel with them and get sick. As we were uncertain of this travel we canceled the flight and did not wait to cancel it by the airlines. As it turns out XXXX  cancelled the flights itself a few days later. Now we have an email from XXXX  telling us we need to reach out to the reservation agent that is Amex to ask for the refund. Please advise how we can solve this?? We paid $ XXXX and no one is helping us fix this. We are so helpless and annoyed with this passing the buck between Amex and XXXX  airlines that we will never use your services again in the future to book our travel needs.
Consumer complaint received 2021-06-05
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P. (NC)

I went to XXXX online to see my current credit report. There was a new account as of XXXX of XXXX for XXXX that was sold to a debt collection company called Southwest Credit Systems , L.P., in Texas. I called the number on the report. The representative first inquired as to whether I was still living in Kansas. He then asked my the numbers of my address for my dads house ( which I resided at over 10 years ago ). He said I owed XXXX and that the account was last paid in XXXX. I have no recollection of any of this because it has been several years and I am a XXXX XXXX customer. Further, I had good credit prior to getting XXXX XXXX in XXXX since that time, according to XXXX, 29 accounts have been opened in my name. It is absolutely ethically and morally wrong and I cant believe we live in a world where this is even allowed to occur.
Consumer complaint received 2021-06-05
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. (IL)

I XXXX XXXX XXXX am a consumer of the United States. XXXX XXXX ( partial account # XXXX and partial account # XXXX ) is willfully and knowingly harming my consumer reputation and worthiness pursuant 15 USC 1681 ( a ) ( 2 ) reporting late payments on my consumer report with out any consent making it impossible for me to purchase a home for me and my children. Attached to this complaint labeled as exhibit A is proof of two violations of XXXX XXXX  harming my consumer report along with late payments on the dates of XX/XX/2017 and XX/XX/2017. I have repeatedly requested these late payments to be reported positive on all my consumer reports but XXXX XXXX insists on violating my federally protected consumer rights under title XXXX chapter XXXX.
Consumer complaint received 2021-06-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (MD)

I was conned into paying {$500.00} to process a " loan pre-approval letter '' which was also being prepared at a very ridiculously high rate. The agent did not tell warn me of any upfront fees to process the said letter. 
I was advised to send some of my personal documents and complete some disclosure documents online and it was in these documents a payment authorization was hidden which the officer said to complete being part of the process. He sent me a notice which basically says the letter is still being processed. On detecting their scam, I immediately reached out and asked the process be stopped, canceled, and demanded my money be refunded to my account. The agent in question repeatedly ignored my emails and calls and even had the audacity to send an email asking me to send more personal documents to continue to facilitate and complete the process. I again re-iterated my wishes which he ignored. I disputed the charges with my bank but in the interim will warn others to be wary while dealing with this company.
Consumer complaint received 2023-07-12
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Chime Financial Inc (CA)

My XXXX PAYMENTS HAVE BEEN DEPOSITED TO THIS CHIME ACCOUNT AND I DONT HAVE NO MONEY. ON THE ACCOUNT I CALLED THEM ON XXXX TO MAKE A CLAIM AND TO CLOSE MY ACCOUNT THEY NEVER CLOSED IT
Consumer complaint received 2021-06-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE (VA)

I disputes XXXX XXXX account credit account which is over seven years on my credit reports and credit bureaus said it was verified as accurate. I am trying to get clearance job and was rejected because of this. 
I reside in Virginia and the Status of Limitation is 5 years for this debt. I was never sued and this debt should be off my credits seven years ago. Barclays keep reporting inaccurate information on my account and they need to stop reporting this inaccurate information to credit bureaus.
Consumer complaint received 2021-06-05
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: OneMain Finance Corporation (PA)

I haD recently applied for a personal with XXXX XXXX AND A5 FIRST I MET THE criteria was about to finalize the loan then they sent me an email stating I dont fit the criteria anymore which I know I do. Im gainfully employed my credit score matches. The only reason I suspect it was denied was because of my nationality. When my other friends who are of a different race went in recently and gotten a loan through them never questioned their credit score they are behind in their mortgage credit payments etc ...