davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-05
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I am the victim of identity theft. Someone utilized my name and former address to acquire credit then debt while I was incarcerated. I have called Portfolio Recovery many times in an effort to rectify this and they have not been helpful. I asked for debt verification AND validation three times, via certified/read receipt mail sent on XXXX XXXX 2017, and again XXXX XXXX, 2017. They respond by merely sending me a copy of the last bill to that address. I have asked for in writing to send me proof of debt validation from XXXX XXXX. I asked for who the name of the person was that they spoke to at XXXX XXXX, and the date. I asked for documentation to state they can pursue this debt. A copy of the agreement stating they are permitted to pursue me for this fraudulent debt. I asked for the original contract between XXXX XXXX and the " supposed '' debtor. I have yet to receive anything I requested. According to the FCRA, they are not fulfilling my requests from the consumer. I even called Portfolio Recovery and offered to pay this debt in full if they please remove it from my credit report as it is damaging my credit which I am trying to rebuild. They would not agree to do so. Please, this is my second complaint against Portfolio Recovery. I am a consumer being wrongfully damaged. I am even willing to pay the erroneous debt in full since I can afford it in order for it to go away since it is costly me more financially the longer it remains damaging my credit.. Please assist me in this matter.
Consumer complaint received 2017-07-05
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: Ability Recovery Services, LLC (MD)

XXXX was listed as a creditor on my credit report as a debt collector for XXXX XXXX in the amount of {$1000.00}. This account was challenged and deleted from my credit report. In less than 30 days this account was picked up by Ability Recovery Services , LLC. I DO NOT believe that XXXX XXXX had adequate time to resell/retain this account to Ability Recovery Services , LLC who claim that they retained this account from XXXX XXXX. <P/>I am requesting that the new creditor : 1. Submit to me validation to prove that XXXX XXXX has retained them to recover the amount they have listed now as {$1100.00}. Including an itemized bill detailing line by line fees and interest. 2. I am also requesting that Ability Recovery Services , LLC provide proof they have not received this account through XXXX XXXX or XXXX. 3. I request names and address of all to whom they contacted as well as date and time. I will be following up on this correspondence directly. 4. I request that Ability Recovery Services , LLC provide to me their legal licensee number as a registered collection agency for the State of Maryland to be checked through the Maryland department of Labor, Licensing, and Regulations system.
Consumer complaint received 2017-07-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

O n  XX/XX/XXXX , o ur daughter had a   XXXX   XXXX   XXXX   XXXX   XXXX  . We used  XXXX  to try and remove it at home. After a while, the indention was still there, so we decided to take her to  XXXX   XXXX   XXXX . When we arrived we signed in. We looked at her toe again under the fluorescent lights at the hospital and determined that the   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   .  We told the hospital that under the lighting, we could tell that the   XXXX   was no longer there. Since we already signed in, they had us sign something that said we no longer needed to receive treatment from them. We went home and received a few bills a month or so later. They totaled around {$170.00}. I called the hospital to speak to the billing department. They said it was a mistake on their part and said that it was taken care of on their end. Apparently {$120.00} of the entire bill was eradicated because we have received no bills whatsoever in probably a year or so. Now, after all this time, we are getting a bill from a debt collector for {$47.00}. I called the debt collec tor, ARS, on  XX/XX/XXXX  and  explained to them the situation and told them I wanted to dispute the debt. They told me they will continue to contact me for the debt.
Consumer complaint received 2017-07-05
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. (ND)

I am a victim of identity theft. I have 2 fraudulent and unauthorized hard inquiries listed on my Trans Union,  XXXX and XXXX credit report. The 2 hard inquiries do n't belong to me. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX
Consumer complaint received 2024-10-12
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (MI)

XX/XX/year> Columbia Debt Recovery LLC reported a false debt to me for {$63000.00} this is false, the judgment was for {$10000.00} that was taken care of, and part of the judgment my was removed. i have court documents in regard.
Consumer complaint received 2017-07-03
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. (AL)

THIS IS A RE- INVESTIGATION MATTER. AS YOU CAN SEE FROM MY CREDIT FILE I HAVE HAD IDENITY THEFT BEFORE. SOMEONE HAS REQUESTED A INQUIRY ON MY CREDIT FILE AND IT WASNT ME. I HAVE SENT LETTERS TO ALL THE CREDITORS LISTED BELOW ASKING FOR REMOVAL OFF MY CREDIT FILE. FOR INSTANCE WHY WOULD I REQUEST XXXX XXXX TO PULL MY CREDIT BACK TO BACK NUMEROUS TIMES IN A 2 DAY PERIOD. DOESNT MAKE SENSE. I AM REQUESTING FOR IMMEDIATELY REMOVAL OF THESE UNAUTHORIZE INQUIRIES THAT I DID NOT AUTHORIZE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM XXXX AND DO NOT DRIVE DUE TO A INJURY IN XXXX THESE ARE AUTOMOTIVE INQUIRIES PLEASE REMOVE FROM MY CREDIT FILE
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

PROBLEM CASE 1 XXXX The account was opened XX/XX/XXXX for amount of {$500.00}. The payment was paid in full and satisfactory to my creditor as per our agreement. I tried to resolve it for over 1 year. The credit reporting agencies keep on reporting it as Paid, was a charge-off despite that the account was paid in full not charge off ( SEE ATTACHED ). Over 1 year my creditor and I have try to inform the credit reporting agencies to make this correction without luck. The creditor sent a letter to confirm that I made full payment to the creditor to CFPB dated XX/XX/XXXX. See below detail Re : Your XXXX  Charge Account ending in XXXX XXXX XXXX Case : XXXX CFPB Case No. : XXXX The creditor agencies reported in my payment status as paid, charge off not paid in full as per attached letter from XXXX. Please can you step in to help me resolve this problem which over 3 years now. <P/>PROBLEM CASE 2 ( Length of credit history ) My credit report from XXXX XXXX XXXX XXXX open XX/XX/XXXX as per attachment is missing some of my credit transactions including my Mortgage for my first home in XX/XX/XXXXat XXXX XXXX XXXX XXXX, XXXX, NJ XXXX. As a result, my credit report that has result in the credit length reduce over 19 years from 29 years+ to 10 years. The credit reporting agency need to fix the length of my credit history.
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (KY)

I discovered a {$3800.00} past due notice from XXXX against me with a collection agency. Having always maintained an 800+ credit score, this was noticed immediately. 

I called the agency who took my information and sympathized then immediately sent me an invoice for the debt. I then filed a police report and sent it along with a letter of explanation to the collection agency, XXXX, XXXX XXXX, XXXX, XXXX. Not once, but twice. Today I received letters from XXXX and XXXX   who stated they received confirmation that this debt was mine. What?! 

On each of the credit bureau forms, it lists prior addresses. I pointed out that all on my list are correct except for the address in Michigan ( where I have never been nor lived ). I told them that is where the 4 brand new iphones must have been delivered and to please follow up. I also asked XXXX to confirm where they were shipped. NO ONE would even look at it. All of them say it is my debt.

Now, if you look at my pathetic 3 year old XXXX XXXX, you will realize I did NOT purchase any XXXX.
Consumer complaint received 2024-08-26
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: FinCo Services Inc DBA Current (GA)

I was making a purchase online with the online banking card XXXX XXXX with the current app. The products never were delivered and I made an attempt to tell them this was as simple a fraudulent advertisement and they said the dispute team had to review my order. It usually took a couple business days to be refunded but I didnt know it would literally take more than XXXX  days when I made the dispute on XX/XX/XXXX. I spoke to XXXX representatives XXXX and XXXX who could not or wouldnt provide a XXXX. They also said the dispute team would contact me but the last time they sent me email the link they provided on my update status was not working. XXXX XXXX trying to understand why XXXX cant trust this company to provide me with info on the progress of my business transactions and why no XXXX has been notified. They constantly have me hold and end the call. They keep telling me it should take XXXX days to dispute when this purchase was made by me with an illegitimate merchant. Who you cant contact. The dispute department is very unprofessional for not expediting this situation and making a good judgement call on behave of their consumer. I would like to know why its in the terms that XXXX cant get a faster response time making me wait on my own earnings is not customer friendly.
Consumer complaint received 2017-07-05
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION (AR)

cap-one finance has this excellent program that takes most of the hassle out of car buying ... ..they have a program that pulls a soft pull from ur credit report ... .it only becomes a hard pull is if u accept the load and go to the car dealership ... ..the dealership has to pull ur credit to make it a hard pull ... but all the negotiating is done thru cap-one ... so the way this program is set up they pull a soft credit then they let u know if u qualify and for how much ... they approved me for XXXX ... as the process was going on for each car i was interested in i would call cap-one rep and they would ask can they pull my navigator up so they can see what intrest and if they will pay full price for that car ... i saved bout 5 cars in my navigator ... .and each time i called them i gave them the vin number to the car alone with the car lot name to make sure they were a part of the program ... as 1 called them each time i would give them all the info on the car they would plug it in the navigator and tell me what the intrest was and if they would pay full price for the car ... .i came across the car i did buy thru them and ehrn the rep checked on that car it made the most sense ... i was quoted a 10.16 with a car note of XXXX $ a month ... .every call that i made was recorded ... everytime i called it always said this conversation is being recorded ... i didnt have my glasses when i signed my contract ... .but there was nothing to be allarmed about because me and cap-one had already came up with how much i can finance and what everything ... would be ... including my gap and my tax, title, and licenses ... after signing the papers a week later i was reading over them again and i discovered that intrest rate is wrong so i called cap-one and i told them that this id not what we agreeed on verbally ... and thats what was already setup in my navigator ... .cap-one told me that it was the car lot mistake but i dis agree because all the carlot was suppose to do is pull all of my info from my navigator ... .all the number were already talked out with cap-one ... .cap-one said that i signed so aint nothing they can do and i told them that them and i had a verbal agreement that they refuse to uphold their end of the bargin ... .i have proof what they said cause all of my calls were recorded ....
Consumer complaint received 2017-07-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

My payment for XXXX 2017 to my mortgage payment to XXXX XXXX is missing in my Experian Credit report ( see attachment ) and also my Credit report was last updated XXXX XXXX, 2017 by my credit reporting agency
Consumer complaint received 2017-07-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (TX)

I initially had my loan with  XXXX   XXXX  and applied for and was accepted into an income-based plan.  XXXX   XXXX  spun-off federal loans to  XXXX , which then became my provider. I applied for public student loan forgiveness certification, whereupon my loans were transferred to FedLoan Servicing. I neither asked for nor consented to any forbearance, because I wanted as many months as possible to count towards my PSLF.   XXXX  However, they placed me into forbearance, and immediately notified me that my interest would be capitalized  ( it had not been capitalized because of the income based repayment plan ), upon the  end of the forbearance.   XXXX  Thus , FedLoan is impr operly profiting from capitalization of interest and fraudulently does so based upon unilaterally placing loans into forbearance.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.
Consumer complaint received 2017-07-03
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC (GA)

We purchased a car through   XXXX   XXXX   XXXX   that was financed throug h Westlake Financial i n  XXXX   2015 . We had to pay {$7000.00} cash down and another {$2000.00} to  XXXX   XXXX   XXXX  to sponsor the deal. After a year of payments and no tag, I contacted  Westlake Financial and asked if they could assist they had the title to the car. Westlake informed me that they did not have it but would be able to get it for me, if I signed some documents for me. After about 3 months, I again called Westlake Financial and sp oke to  XXXX   XXXX  and was told that the title had not been obtaine d. Westlake then stated that they could pick up the car and at the time that they had the car in their possession, they would then mail me a check for my money. The Westlake a gent was unsure as to how much money would be refunded to me. I made loan payments for 1 year - {$6000.00}, plus the down payment - {$7000.00}, dealer fees - {$2000.00} and insurance payments - {$1500.00}. My out of pocket costs so far - {$16000.00}. The interest rate on this loan was : $ 20 %.
Consumer complaint received 2017-07-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX-XXXX-XXXX Company Info : Account # XXXX Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, CA XXXX I have never done business with Portfolio Recovery XXXX I do not have a signed contract not any contract with Portfolio Recovery Associates. I have the right to demand to see a signed contract between Portfolio Recovery and myself
Consumer complaint received 2017-07-03
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. (FL)

A collection account appears on my credit report. XXXX XXXX Account # XXXX. The first report of the delinquency was XXXX and 7 years have now passed which according to the FDCPA, the collection account should have been deleted from my credit profile on XXXX XXXX. It still appears on my credit report and the credit bureaus are refusing to remove it.
Consumer complaint received 2018-02-28
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Over the last 5 years XXXX XXXX has been reporting I owe monthly installments of {$11000.00} which will equal {$130000.00} yearly for 84 months. TransUnions   did not investigate.
Consumer complaint received 2017-07-04
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (DE)

I opened an Ann Taylor store credit card on XX/XX/XXXX. Account number XXXX card was closed on XX/XX/XXXX. I do n't recall closing this account. The total amount charged was {$390.00}. My online bill pay showed that I paid the following amount on the following dates : XX/XX/XXXX - {$50.00} XX/XX/XXXX- {$25.00} XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX - {$100.00} XX/XX/XXXX. {$100.00} ( see letter dated XX/XX/XXXX stating " BILLER REFUSED PAYMENT. '' Total amount paid {$400.00} ( see supporting online bill pay documents ) I received a phone call early XX/XX/XXXX from Commenity Bank saying that I owed more than {$400.00}. I disputed the charges and agreed with the representative that I would contact my bank and ask them to forward proof to them that I had paid the amount owed. I followed through as promised. I received a letter from XXXX stating that the dispute was closed as the did not receive the documentation requested. I continued receiving bills from XXXX XXXX stating that I owed more than {$600.00} each attempt to resolved the issue, I was told the payments was paid to the wrong account as I had another account with the number ending in XXXX. On XX/XX/XXXX I made a second request for my bank to do another research. I also conducted my own research on that same date and learned that two {$100.00} payments was returned for unknown reason.Commenity bank continue to claim that the reason for this because the payment was paid to my Ann Taylor account ending on XXXX. My only online bill pay clearly shows that the payment was PAID to the disputed account ending # XXXX. ( see accompanying documents. In my many conversation I made it clear that I 'm willing to pay the amounts returned. In my many attempts to resolve this issue, I even contacted an attorney. Two letters was sent on my behalf without a resolution to this situation. As of XX/XX/XXXX XXXX sent me a " last chance '' letter is claiming that I owe {$720.00}. It is simply not fair for me to pay all these late charges due to errors made by XXXX XXXX.
Consumer complaint received 2017-07-03
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (GA)

I am attempting to have a payoff amount quoted to me via either phone, or online. At this point I have been informed that this is impossible and that the only way I can obtain this pay off amount will be via regular mail. This is consumer fraud because as a customer who desires to pay the amount owed today, I must wait several days, possibly a week because their corporate office is located in Texas. In the meantime interest is accruing of which I still must pay while waiting for the payoff amount. This company needs to be informed that this type of consumer fraud and I believe irregularity which does not conform to the law stating as a consumer I should be able to obtain a payoff figure when I desire to pay off the amount owed and not have to wait.
Consumer complaint received 2017-07-05
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. (ND)

I am a victim of identity theft and have been a victim of identity theft for over 11 years. The following 2 credit card accounts are fraudulent and unauthorized : XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. The following address do n't belong to me : XXXX XXXX XXXX XXXX, XXXX, MN XXXX, I have never lived at the above address. I want the following phone number deleted from my credit report : XXXX, the phone number do n't belong to me
Consumer complaint received 2017-07-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Protection Association, L.P. (FL)

To Whom It  May  Concern, On  XXXX   XXXX ,  2017 , I received a collection notice from  Credit Protection Association, L.P., stating that I owe {$290.00} to a said   XXXX , Formerly   XXXX   XXXX   XXXX  .   XXXX  I contacted  XXXX   XXXX  and was informed that they do NOT have an open or past account under my name in the state of Florida.   XXXX  Thank you for your assistance,  XXXX   XXXX   XXXX