davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-15
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)

There are some accounts on my credit report that do not belong to me. Today XX/XX/19 I was looking over my credit report with my realtor because I am trying to buy a house and I found a total of 5 accounts that I never opened. I'm not sure why these accounts are on my credit or who could've opened them in my name because I never allowed anyone to open any account in my name. I did not get any money, goods, services or any other type of benefit from these accounts that were opened without my permission. I have already filed a police report. I do not have any written/verbal contracts with any of these companies and I never allowed them to run or have access to my credit information.
Consumer complaint received 2019-11-15
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)

There are some accounts on my credit report that do not belong to me. Today XX/XX/19 I was looking over my credit report with my realtor because I am trying to buy a house and I found a total of 5 accounts that I never opened. I'm not sure why these accounts are on my credit or who could've opened them in my name because I never allowed anyone to open any account in my name. I did not get any money, goods, services or any other type of benefit from these accounts that were opened without my permission. I have already filed a police report. I do not have any written/verbal contracts with any of these companies and I never allowed them to run or have access to my credit information.
Consumer complaint received 2019-11-15
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

XX/XX/XXXX and XX/XX/XXXX Capital one starts intimating their customers before they even sighn up with them. they feel that they are above the FCC and the cfpb and that the rules and the laws set to protect the consumer and the economy do not pertain to them. Here is what they like to say to the press and to let their customer know what they think. 
It seems Capital One Financial ( XXXX  : COF ) is serious about keeping in touch with its customers -- so much so that it recently sent out an updated terms of service notice to users of its credit cards. The TOS noted that the bank reserves the right to contact customers just about anywhere it wants, and by any means necessary. 

An article Monday in the XXXX XXXX XXXX described the ominous language in the missive, such as the company 's assertion that it may contact customers remotely, as in phone calls, text messages, or emails, or even through an in-person visit, either at the customer 's home or " place of employment. '' In addition, Capital One might find it convenient to " spoof '' customers, presenting a number other than its own on caller ID in order to veil its identity, the newspaper reported. 

A normal part of doing business? 
When questioned, Capital One said it seldom does any of those things, and the visits pertain solely to loans for sports vehicles such as snowmobiles, in case the vehicle needs to repossessed. In the spoofing situation, the company said sometimes the number is " displayed differently '' by " some local phone exchanges, '' something that is " beyond our control. '' This situation would be amusing if it wasn't quite so disconcerting. Although the company told the Times it is taking a second look at the phrasing of the terms of service, it is notable that Capitol One has a reputation for being somewhat hard to deal with -- at least, from a customer 's viewpoint.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

XXXX XXXX  loan and credit card ... .is not being reported as agreed and ontime I have had a balance increase and rendered extra payments to lower my balance. The account needs to reported monthtly and on time as agreed upon within the contract.
Consumer complaint received 2020-05-08
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. (CA)

XXXX  and Experian are reporting a {$1800.00} balance on my XXXX   XXXX XXXX  account. This balance was forgiven and XXXX XXXX issued a 1099-C form CANCELATION OF DEBT. Since the creditor canceled the debt and forgiven the balance it shoul be reported as XXXX since I don't owe money to them anymore. 
I disputed the account to these credit bureau companies but they just ignored my request. I would like to know the reasons why they ignored my request.
Consumer complaint received 2020-05-25
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: Experian Information Solutions Inc. (FL)

2 days ago I had a XXXX Credit Score with " Exceptional '' [ Experian ] payment record. It is now XXXX! I was trying to raise my Score using Boost, etc. I applied for Credit and was DENIED with a Hard Credit hit ; those stay on TWO YEARS! [ should be made Illegal for more than 6 months ] It was because Experian FAILED to remove a XXXX XXXX   account CLOSED for OVER 2 Months! Then, Experian SENDS ME a Credit Card application stating it would " Give me more Credit THUS RAISING MY SCORE ''! [ I have been trying to get over XXXX! ] Sooo, I APPLIED right from their email and BOOM! DENIED!! with YET ANOTHER HARD CREDIT HIT! I also see I am IN the EXPERIAN BREACH file!!! A {$20000.00} lost since XX/XX/2020 can be claimed BUT it doesn't ASK THE RIGHT QUESTIONS! I LOST {$16000.00} LOAN because of faulty Experian data, NOW! And the reduction, NOT INCREASE, on my Score due to the above!! I THINK EXPERIAN SHOULD PROVIDE A [ OUT OF COURT, For NOW,!!!!!! ] SETTLEMENT OF : THE $ XXXX LOAN LOSS AND REMOVE >>>BOTH<<<HARD CREDIT HITS!!! AND REPAIR MY SCORE!! My LAST COMPLAINT isn't even RESOLVED YET!! And, now THIS!! 
I have screenshots and emails OF ALL THIS! [ Nice, tasty, Court documents for the right ATTORNEY ] IF I have to GO TO COURT.. I'll NEED TO >>>XXXX<<<TEN TIMES as MUCH for the XXXX XXXX fees! With a FAIR JUDGE, I'll WIN. Credit Bureaus will XXXX consumers BUT when THEY, or LENDERS, 'stub their toe ' NOTHING HAPPENS TO THEM! And NO CORRECTIVE Action without WASTING OUR TIME!
Consumer complaint received 2019-11-15
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc. (MD)

When moving into the XXXX XXXX XXXX ( XXXX XXXX ) in XX/XX/2018 I paid a security deposit of {$250.00}. 

Over the months leading up to XX/XX/2018 we experienced a number of break ins at our complex that damaged property. I was in contact with property management and had to change the locks several times. After not being satisfied with the response from my property manager regarding the thefts I was forced to create a case with the State of Maryland Office of the Attorney General Consumer Protection Division. Case XXXX. I have a copy of the correspondence dated XXXX XXXX with XXXX XXXX who was my mediator. I also filed a police report. 

The case centered around my ability to be able to change my locks without providing maintenance with a key. This caused an issue with our interactions. The mediators decision was that I could indeed change my lock without giving them a key. 

Essentially I am being charged for damages to the apartment that were made either by thieves or unauthorized entrants while I was at work. 

These charges are false as the damages made to my wall and counters were either made by thieves breaking in or people who were not authorized to be on my property. After the issue was brought up to the State Consumer authority the relationship deteriorated and we were unable to communicate. The property manager that replaced the one who failed to rectify these issues wasn't able to understand my position even though we had documented proof questioning the damages to the property month prior to moving out. 




The debt currently resides with NCAC National Credit Audit Corporation XXXX. XXXX  XXXX XXXX TX XXXX XXXX XXXX XXXX, XXXX TX XXXX NC Permit # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX, PA XXXX File # XXXX
Consumer complaint received 2020-05-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC. (TX)

On XX/XX/2020, I submitted a dispute with Equifax to update the status on a collection account from unpaid to paid in full. I attached a letter from the collection company as proof that the said account was paid in full. On XX/XX/2020, Equifax closed the dispute and did not change the status on the account. They indicated that they verified the account belonged to me
Consumer complaint received 2019-11-15
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL (NC)

I paid Care Credit/Synchrony Bank on XX/XX/2018 and they continued to draft my account for XX/XX/XXXX and XX/XX/2018 after the account was paid in full. Each month I received a statement now with a credit balance because they continued to draft my bank account for an account that was paid in full. I contacted customer service and they promised my account would not be drafted again but the next month it was again. I finally had to place a stop payment on my account to stop them from drafting my account for an account paid in full. As a curiosity, my bank did not charge me for the stopped payment I requested. This was the only way to stop them from drafting my account. I paid the account off before interest started. Since they continued drafting payment, then interest kicked in on a paid in full account. They charged {$380.00} against my credit report, causing my A-1 credit rating to drop into the 600.

They sent a refund check for {$90.00} for XX/XX/XXXX but did not send a check for XX/XX/XXXX. I received a check for XX/XX/XXXX but Care Credit stopped the deposit and my bank charged me for the stopped check but finally waived this fee. I have been working with XXXX to get the matter cleared up for two months. XXXX   gave me the run around until I asked to speak with a supervisor to finally get them to review the documentation I provided containing a letter and a statement from Care Credit stating my account was paid in full. XXXX investigation is now still pending. Please help so others do not scammed by their deceptive and fraudulent practice. Thanks.
Consumer complaint received 2020-05-25
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Jon Barry and Associates, Inc. (NC)

I sent a Debt Validation letter to Paragon Revenue Group and the sign and received it in their office on XX/XX/2020. I received correspondence from them and they did not validate the debt. They sent me a lot of printouts with very personal information that violated my medical rights. ( HIPAA ) No release forms or anything showing I consented to any of this. I am appalled that this is the way they are practicing in their business.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION (AR)

Beginning in XX/XX/XXXX our payments have been showing delinquent even though our account is set on auto-pay through the bank. In XX/XX/XXXX we asked for a payment arrangement on our account due to having to have work done on our car. We were never told by Credit Acceptance Corporation that our account would be reported as past due because we requested a payment arrangement. When we pulled our credit report, it should that our payments are reporting past due every month from XX/XX/XXXX until this very day. We also notice that in XX/XX/XXXX when a payment arrangement was placed on the account it showed that we missed a payment. We were never told that payment arrangements would show our account as delinquent. We pay extra every month on our car note even before the payment arrangement was requested. Our payments are {$350.00} per month and we pay {$440.00} per month since XX/XX/XXXX. This is a joint account and it appears this way on both of our credit reports. This is preventing us from trading our car in or purchasing a new car.
Consumer complaint received 2020-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (TN)

Equifax is knowingly reporting negative information from the following creditors : XXXX XXXX : Despite the information in its entirety is inaccurate, outdated ( XXXX ) and unverifiable. I have requested to Equifax to have this information removed, corrected or validated, however, Equifax continues to knowingly report the information. For example, it reports that my last payment was in XXXX. This is incorrect, the last payment was made in XXXX and it went delinquent in XXXX and another activity has occurred since XXXX. 

XXXX XXXX XXXX : It is reporting as a charge off, however, this account was paid on time from XX/XX/XXXX to XX/XX/XXXX, at that time it was incorporated and paid through Chapter XXXX bankruptcy and recently it was discharged in Chapter XXXX bankruptcy Equifax is reporting the information being reported was updated and accurate as of XX/XX/XXXX. I have notified the reporting agency that they are reporting inaccurate information and I have asked them to verify the validity and description of the debt. Equifax continues to report the information has been verified and no changes will occur on my report. When I try to redispute it Equifax reports that I am disputing a previously disputed information and refuses to change it. 

XXXX ( XXXX ) : This information is also being reported inaccurate. It is being reported that the amount was charged off and the amount charged off is inaccurate. Equifax reported its accuracy as of XX/XX/XXXX. These account was discharged within my bankruptcy and is not charged off.
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (DE)

I was served a delinquent tax notice by XXXX County, Delaware dated XX/XX/19 for unpaid taxes to the county that were due on XX/XX/19. PennyMac Loan Services , LLC is responsible for making this payment along with the City of XXXX, DE tax payments from my escrow account in a timely manner. I confirmed that this was the case by calling the XXXX County Collections Division as soon as I received the notice. I also called The City of XXXX to see if PennyMac paid taxes owed to them and the accountant confirmed that PennyMac had not paid the city taxes and that the payment was overdue, also. Starting XX/XX/19 I began making weekly ( at least ) calls to PennyMac with the last call being made today ( XX/XX/19 ). I have explained the issue every time I call to the customer representatives, and yet, the issue has still not been resolved.
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (UT)

This Case should have never been closed out against Capitol One They provided no Evidence to back up their claim that they provided the information to that address or a copy of that letter that was sent. 15 U.S.C. 1692 ( g ) ( a ) ; 209 C.M.R. 18.16. A bill does not quality as a notice of debit collection action. If you are trying to say a bill qualify then again Capital one is in Volition of the Law. The FDCPA clearly states a debt collector may not use any language or symbol on any  envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt This next part they made false and misleading statements overshadowing the validation requirements C.M.R. 18.18. o In addition to the failure to send a validation notice, the debtor may also counterclaim that the debtor made false, misleading or contradictory statements, overshadowing the validation notice requirements in violation of 15 U.S.C. 1692 ( e ) and 209 C.M.R. 18.16. 

3rd here is a release and another claim I will be submitting that Capital one claims that they can  find all of their debtors with out any issues and know where they are at, at all times XXXX XXXX   XXXX XXXX. Last but not least when I was no longer at well before XX/XX/2018. XXXX XXXX XXXX XXXX, ND XXXX. I had all mail forwarded for 2 years to this address XXXX XXXX XXXX XXXX XXXX Ut XXXX due to awaiting information from the VA. 

Please address the law violation that you have committed as a company this time and not a generic response to close a case
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (IN)

My Mortgage company ocwen was bought out this past XXXX by PHH. I was one payment behind. I have made 10 payments this year, and bank statements to prove. They claim that I had arrearages and applied payments to that. I have nothing that states that. 
After several attempts, long holds, many customer service people whom told me something different each time, various departments, NOTHING but telling me that I haven't made a payment since XXXX. And that is absolutely NOT the case. I have a modified loan, for 9 years, owned the home for 25 years. I DO NOT WANT TO LOSE MY HOME!
Consumer complaint received 2019-11-15
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I am filing this complaint because I have disputed and contacted LVNV Funding about two debts that were fraudulent. I have contacted them previously and disputed formally a total of three times with the credit bureaus and directly with LVNV. 
I made every attempt to complete my fraud claim with both XXXX  XXXX and XXXX  XXXX, but they both closed the accounts and sent them to LVNV Funding Collections. 

On XX/XX/XXXX, I mailed a certified letter to LVNV Funding asking for account history and transaction history from LVNV on both accounts. They replied with letters stating when the accounts were opened and who was the original creditor, therefore providing no proof or documents requested. They are just " in house '' statements. The letters ( noted as Doc 1 and Doc 2 attached ) was manufactured by Resurgent Capital, a sister company of LVNV Funding- not by XXXX   XXXX XXXX  or XXXX  XXXX XXXX. 
I even enclosed an FTC Identity Report ( XX/XX/XXXX ) and mailed that to LVNV. 
I again received documents stating that the debt was valid and they consider it to be " collectable ''. I updated my FTC Report today and attached it. 

LVNV has no history from a transaction or fraud investigation perceptive, yet they are dismissing my fraud claims. Please see attached documents for review and I appreciate your assistance with this matter.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc. (GA)

EXPERIAN IS REPORTING 5 INQUIRES THAT DON'T BELONG TO ME XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX  IS REPORTING A CREDIT CARD THAT DOESN'T BELONG TO ME XXXX   XXXX # XXXX LIMIT IS {$500.00} BUT REFUSES TO REPORT 4 CREDIT CARDS THAT DO BELONG TO ME XXXX XXXX XXXX # XXXX LIMIT {$4000.00} XXXX XXXX XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX # XXXX LIMIT {$3000.00} XXXX XXXX # XXXX LIMIT {$5000.00} I will attach a compared report between the bureaus and you will clearly see the discrepancies reported!
Consumer complaint received 2019-11-15
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (ME)

I keep making extra payments to PennyMac which are stipulated to be applied to the principle. I have automatic payments monthly which have NOTHING to to with the EXTRA payments that I am making. Repeatedly since at least XX/XX/2019 PennyMAc has been reversing my extra payments. The money is taken out of my bank account and into PennyMac and applied to my principle for a day and then REVERSED. The money is NOT put back in to my bank account and I have NO idea where it is. I have contacted PennyMac MULTIPLE times about this and they keep doing it. I have written many times online and I have called MANY TIMES. I have spoken with XXXX, XXXX and XXXX to name a few. I demand that PennyMac appropriate my funds as allocated and I demand that I get adjustments for any interest accrued from their mistakes.
Consumer complaint received 2020-05-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (GA)

I would like to dispute the charged off account established by Nissan Motors Inc., dated 2017. I was a co-signor and unaware of such a charge off. The vehicle company never reached out to me regarding the account whatsoever.
Consumer complaint received 2019-11-15
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 got my credit checked today XX/XX/2019 because I am trying to buy a new car but I was told that I didn't get approved for the car loan because there are many accounts in negative standing on my credit report. I looked through each of those accounts and none of them are mine. I did not open any of these accounts and I did not allow anyone to open these accounts in my name. I discovered that these accounts belong to someone names XXXX XXXX ; I don't know who that person is nor do I have any type of affiliation to that person. I did not benefit anything from these accounts that were opened without my permission such as money, goods, services or any other benefit nor did I ever make any payments or purchases using any of these accounts. I have already filed a police report regarding all of these unauthorized accounts.