davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-11-09
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions (GA)

On XX/XX/XXXX I pulled my credit report to discover that Rent Recovery Solutions located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, hereinafter Respondent was reporting information on my credit report which I have no personal knowledge of. 

I have had no prior dealings with the Respondent. 

On XX/XX/XXXX, I delivered a letter via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX to the Respondent requesting, in purview of the 15 U.S.C. 1692g, for them to validate their claim of debt against me. 

As of the date of this complaint the Respondent has not presented any factual evidence of " Record '' ( as defined in 15 USC 78x ( a ) ), that would show that I am contractually obligated to pay, Rent Recovery Solutions, a collection agency, anything. However, the Respondent continues to report false information about me to the credit reporting agencies. 

I am with reasonable belief that the Respondent is in violation of the following : Using deceptive means to collect a debt ( 15 U.S.C. 1692e ( 10 ) ) Using unfair or unconscionable means to collect or attempt to collect the alleged debt ( 15 U.S.C. 1692f ) Failing to send a 30 day validation notice within five days of the initial communication ( 15 U.S.C. 1692g ) Attempting to collect after being notified to cease and desist ( 15 U.S.C. 1692c ) Failing to report my dispute to the credit bureaus ( 15 U.S.C. 1692e ) Failing to validate while continuing to pursue collection ( 15 U.S.C. 1692g ) Attempting to collect an amount not authorized by agreement of law ( 15 U.S.C. 1692f ( 3 ) ) Willful noncompliance ( 15 U.S.C. 1681n ) Negligent noncompliance ( 15 U.S.C. 1681o ) On XX/XX/XXXX, I delivered a " Notice and Demand '' via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX giving the Respondent " Fair Notice '' and a chance to correct their error.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION ()

I am owed XXXX dollars from capital one. I overpaid them and they sent me a check which I never cashed in time for the expiration. I have been chasing Capital one for 100 days and keep getting the run around as to where my check is. I have been told for two 30 day cycles that the check is in the mail, and that they overnighted a check and it was returned undeliverable. please help. the last person that they passed me off to was a XXXX XXXX at XXXX XXXX XXXX XXXX, her pin to enter her phone is XXXX, her extension is XXXX she is not taking my calls anymore. they had another person in an " executive '' office XXXX XXXX her pin to get through to her is XXXX, her extension is XXXX she is no longer taking my calls either. She does not like to be told she is incompetent and or not motivated at her job. PLEASE HELP
Consumer complaint received 2018-01-25
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings (TN)

XXXX XXXX pulls the payment every two weeks directly from my bank account. When this happens they send me a message telling me what my new balance is. What they do NOT tell you is that is only the " principal '' balance not the actual balance left owed. I made a XXXX payment today ( XXXX XXXX, 2018 ) I called the company to make sure that the XXXX went straight to my principal balance and I was told they do not " do that '' sort of payment their. Every payment I have made to them they are using about 10.00 of that payment for the " principal '' balance. This place should NOT be able to do this type of stuff. The amount of interest they charge their customers is unreal!! I will never ever take another loan from Speedy Cash!
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (GA)

I hired a company to work on my credit in XX/XX/XXXX. I initially put a fraud alert on my profile because I did not want anyone to continue to use my personal information like before. ( My wifes purse was stolen and it had my personal information in it. ) I recently ordered my credit report and noticed that once again someone is applying for things using my information. How is this possible when I have a fraud alert and it specifically says to call my number in order to have my consent before running my information? I feel like this is a violation and the credit bureaus arent doing anything to protect my information. What is the purpose of a fraud alert if my information can still be used without my permission?
Consumer complaint received 2018-10-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (AZ)

Please remove the following accounts, they don't belong to me..I am extremely upset about this situation because I find it absolutely ridiculous that this information is being reported without contacting me first..Please delete the accounts asap XXXX  XXXX XXXX, and XXXX XXXX XXXX XXXX
Consumer complaint received 2018-10-07
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. (GA)

XXXX continues to report incorrect credit information negatively impacting my ability to obtain credit, rent an apartment, or buy a home. XXXX indicates they rely upon XXXX XXXX and Experian Credit reports to verify the information they are reporting. XXXX XXXX previously responded, in writing, that the following accounts are not on my XXXX XXXX Account and not being reported. XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX # XXXX, XXXX : # XXXX. I previously attached ( 5 ) XXXX provided by XXXX and XXXX ( Cancellation of Debt ). Both XXXX and XXXX admitted knowledge of my insolvency at the time of their wrongfull claim. Further, both XXXX and XXXX were aware that I had been a victim of a Privacy Breach from the Office of Personnel Management Privacy Breach and that my personal and financial information was being circulated on the dark web. Second XXXX XXXX continues to report as accurate a Chapter XXXX Bankruptcy Filing from XX/XX/2011 that was dismissed without a discharge. The exception to the rule which XXXX XXXX is in violation relates to the removal of Bankruptcy Filings not subject to a discharge. As a result, XXXX XXXX is also misreporting thre is an " Individual Debt '' responsibility, where there is not, otherwise XXXX XXXX would have reported the amount of the the debt. Both Experian and XXXX have complied with the request to remove the wrongful reporting, but XXXX XXXX does not. This appears to be a pattern for XXXX XXXX as they are [ 5 ] Negative Accounts on my report and [ 1 ] Negative Public Record. Based on the information provided, none of the credit bureaus, XXXX, XXXX nor XXXX XXXX/XXXX have a legal right to continue misreporting this information. XXXX and XXXX abandoned all claims and cancelled all the debt, as such they are not party to any claim, nor can they report something that is no longer theirs. Yet the reporting persisits. XXXX, XXXX, XXXX XXXX, XXXX XXXX, Experian, XXXX, perhaps all are working in concert to deliberately suppress my credit score by reporting false information. My credit report speaks for itself if you will look beyond the issues I have raised. Nonetheless, even with these accounts listed my stats : *99 % On-Time Payments. *26 year old credit history line. *30 % Credit Used. *No Recent inquries. *Even though I am handicapped due to your scoring for recent accounts, none have ever been late. I can easily demonstrate damages here. I am ready to buy a home, but I can not do so with this errant reporting on my credit reports.
Consumer complaint received 2018-10-03
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. (MI)

A debt collection company, XXXX XXXX XXXX failed to validate information that they have placed on my credit report in XXXX of XXXX. The original amount that is in question was {$5200.00}, As of XX/XX/XXXX the amount is now {$6100.00}. On two separate occasions I sent XXXX XXXX XXXX a certified letter asking them to please verify that I owe them this debt, and to provide documentation with my signature showing that I was in agreement with XXXX XXXX XXXX to pay this amount. The first letter was sent on XX/XX/XXXX certified by the USPS. After not receiving a response within 30 days, I then sent another certified letter by the USPS on XX/XX/XXXX asking them once again to validate the information that they have placed on my credit report. As of today, I have not had any response from XXXX XXXX XXXX, but they continue to increase the amount owed on my credit report monthly. 

My rights are being violated. I am a single mother of XXXX and a XXXX student. Due to this increasing amount on my credit report, I am being denied a loan for a home. I am unable to even qualify for an apartment in a safe neighborhood for my family. I just really would like some help getting this matter resolved. I know if they are doing this to me, they are doing it to other people too.
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TX)

I'm reviewing my credit report as I feel is very important. 
So you are telling me you got on the phone and called each creditors and send aIl my docs and youd did a fu ; ll comparison between what i saying and what they send to you and you found they were correct? I highly doubt it. 

XXXX XXXX XXXXXXXX Acc # XXXX ... 
XXXX XXXX - Account Number XXXX XXXX Card - Account Number XXXX XXXX Card - Account Number XXXX XXXX XXXX XXXX - Account Number XXXX XXXX - Account Number : XXXX Delete the above and send me a new report. 
And last and more concerning is my XXXX XXXX XXXX account XXXX, I paid my XXXX XXXX on time every month but your reporting shows as a negative account. Last Payment made on XX/XX/XXXX Account Closed on XX/XX/XXXX Pay Status shows ( Paid As Agreed Never Late. 

This is proof you never really verified this account at all. Update Update this account to shows as positive as it should be
Consumer complaint received 2018-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have send all 3 credit bureaus letters to remove inquires which I do not recognized. None are from companies or businesses I deal with. I also have place a freeze on my account to prevent unauthorized inquires. They have ignore all 4 times I have send a request. 

Here are tracking for all the mail I sent plus others which I just put a postage stamp XXXX XXXX XXXX XXXX XXXX XXXX They need to remove those inquires as requested from all 3 credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   I have also mail the names of those who placed the inquires with to no avail
Consumer complaint received 2018-10-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

Hello someone has been using my credit to drive a cars. I have 2 cars in my name that needs to be removed XXXX and XXXX. I never seen these cars before. I have XXXX XXXX, XXXX XXXX XXXX   XXXX, XXXX  XXXX  what are these accounts. please help me this is ruining my life please.
Consumer complaint received 2018-09-11
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Miller, Stark, Klein and Associates (NY)

On XX/XX/2018 this company contacted a relative of mine and threatened legal action against me. I then spoke to the company regarding this debt that has been settled for well over 10 years and then this company did threaten judgement and wage garnishment against me. This has all occurred without any correspondence by mail.
Consumer complaint received 2018-10-03
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Applied Data Finance, LLC (CA)

I received, by mail, a letter advising me of my " pre-qualified '' loan for {$7500.00}. '' - " To guarantee you pre-qualified status, be sure to request your money before XX/XX/2018. I applied using the appropriate " Pre-Qualified Code '' before the XXXX date as described in letter and was denied credit. 

I would consider this a UDAAP violation as is misrepresents the pre-qualified status and if anyone else experiences similar notification and denial would consider this a class action. I have a copy of the letter should you care to review.
Consumer complaint received 2018-10-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bass & Associates, P.C., Attorneys at Law (CA)

On approximately XX/XX/XXXX, My wife took out a loan with XXXX XXXX XXXX XXXX to pay for a XXXX vacuum cleaner. First payment was paid on XX/XX/XXXX. After a few payments we wanted to pay off this high interest loan. So I took out a loan from my XXXX XXXX ( k ) to pay off this high interest loan. My wife XXXX XXXX XXXX XXXX to pay off the loan, via telephone. She made a payment of {$1500.00} to satisfy the loan. Then two years later on XX/XX/XXXX received a letter from XXXX XXXX. Stating that there was a remaining balance of {$61.00}. That was never paid and now there is a balance of {$560.00}, that includes late charges. I told financial services that I refuse to pay this amount. It doesnt make sense for me to take out a loan from my 401k to pay off balance of {$1500.00} and leave a remaining balance of {$61.00}. And if that was the case why did you take them two years to contact me about the remaining {$61.00}. They refused to work with me and only wanted to negotiate on a settlement and payment plan to pay for the {$560.00}. So now the have transferred my supposedly debt to Bass & Associates ... I contacted Bass & associates and explained my predicament. I offered to send them my paperwork I received from consumer financial. The best they could do was to lower amount lower amount by {$110.00} and offered me a payment plan ...
Consumer complaint received 2020-05-13
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: CITIBANK, N.A. (CA)

AS A CONSUMER, I HAVE BEEN A VICTIM OF AN IDENTITY THEFT, AND I HAVE SENT ALL REQUIRED INFORMATION TO THE BUREAUS AND REQUESTED THE FRAUDULENT ITEMS TO BE REMOVED FROM MY CREDIT REPORT. I AM VICTIM, I HAVE NEVER AUTHORIZED OR REQUESTED THESE ACCOUNTS TO BE OPENED. THE CHARGES AND THE ACCOUNT ARE NOT MINE, I HAVE NVERE RECEIVED THESE CARDS I HAVE NEVER USED THESE CARDS, AND AN MY AGE I DON'T NEED ANY CREDIT CARDS.
Consumer complaint received 2018-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have been working on this for some time now. XXXX is the only company that is listing my creditors and credit score. TransUnion literally told me that I can not have a 1 letter last name. TransUnion would no longer help me any further. XXXX  can not find anything except when entering my middle name of XXXX   as my last name. What they did find are two older accounts that were closed over 10 years ago. XXXX   did open an investigation into the matter. They concluded that my creditors were not reporting any information to them. So I called all of my creditors, 5 student loans and 4 credit cards and they all state the same thing. They are reporting my name and information to the three credit bureaus as is - XXXX XXXX XXXX. This is now affecting my ability to purchase a new home. Please help me ASAP.
Consumer complaint received 2018-10-02
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: First National Collection Bureau, Inc. (WA)

I have received multiple mailings and phone call ( s ) from First National Collection Bureau about a debt and have informed them over the phone and in writing to contact my attorney numerous times. Most recently I sent them a certified letter which I have receipt of being delivered on XX/XX/2018. 

As you can see from my incoming XXXX phone log a phone call was again received on XX/XX/XXXX from First National Collection Bureau. I informed them I had receipt of my certified letter informing them that I had retained an attorney years ago and that he should be contacted and I would contact the FTC, BBB and my WA State Attorney Office.
Consumer complaint received 2018-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY (NJ)

America express. I never late on my bills. I want to make a couple of payment I been in the hospital, I am very ill. And they keep calling me and harassment me. i told them they bill is not due yet and im still in the hospital and they keep calling
Consumer complaint received 2018-10-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Jim Bottin Enterprises, Inc (PA)

XXXX XXXX continues to contact me regarding a debt owed for a gym membership. I have contacted the gym and requested a call to discuss the membership. My calls have gone unreturned. XXXX XXXX robo-dials and does not make a representative available to speak with. I have tried speaking with someone to dispute the debt but have sat on hold for too long. This company calls at all times everyday. My original debt was {$7.00} but each month that it goes unresolved, they increase it by {$7.00}.
Consumer complaint received 2020-05-13
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: EQUIFAX, INC. (CA)

I am filling this report because there are three accounts on my credit that are not mine. The accounts are from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. The only reason I found out about these accounts is that I applied for a personal loan today XX/XX/2020 and I was denied so I looked through my credit report to see why I was not approved. These accounts were opened in my name without my permission ; I have never allowed anyone to use my personal information to open these or any other accounts. I did not benefit anything from these accounts like money, goods, services, or anything else and I never made any payments towards these accounts. I have filed this report to the best of my knowledge.
Consumer complaint received 2018-10-02
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

My auto loan is through Toyota Financial Services. I wanted to pay the loan off early so I called TFS and spoke to a representative. I had increased what I thought was the final payment to equal the loan balance. The interest was zero percent so there were no penalties. I was assured that what I had done was correct. That payment was debited out of my checking account on XX/XX/2018, leaving a loan balance of XXXX. On XX/XX/2018, TFS took another {$500.00} out of my account. I called immediately and was assured the payment would be reversed and the {$500.00} would be returned to my account. After several days, I called again since nothing had been done. Once again, I received the same assurances and was told my account should be credited by Friday, XX/XX/2018. As of this morning, NOTHING had been done. I called again and was told, after a long 'on hold ' that a {$500.00} check would be sent. I told the rep I did not want a check, I want it returned to my account. Since my account is closed, that can't be done, even though two previous reps assured me it's what would be done. I asked the rep what would have happened if I didn't have surplus funds in my checking account, and their mistake would have caused NSF items. I got no answer. I also asked for overnight mail service, but was told that wouldn't be happening. I am totally dissatisfied with every person I spoke with, and with TFS.
Consumer complaint received 2018-10-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliant Capital Management LLC (TX)

Alliant Capital Mgt Co. XXXX original acct # XXXX internal acct # XXXX   Company took out twice the amount from my bank account as agreed in my original settlement agreement ; causing my bank account to go negative and causing me to miss work because I have no way of paying for transportation costs to get to work. 

I spoke to company representatives on XX/XX/18 and was told that the money was " immediately '' being returned to me account, then they told me that the amount was only " pending '' and would not affect my bank account. Then on XX/XX/18 was told the monies were taken and they had no idea when it would be returned. 

I expect the remainder of this debt to be forgiven based upon the repeated false statements and violations being taken against me and the irreparable harm I have undergone and continue to be faced with. I do not know when I can return to work because I am broke because this company took {$620.00} from my account twice in the same day and they are still saying they didn't do it ... My account is overdrawn over {$220.00} at XXXX Bank.
Consumer complaint received 2018-10-02
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: BB&T CORPORATION (GA)

I have a loan with XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both ( XXXX, XXXX, XXXX and XXXX XXXX with no successful resolution. XXXX, XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX - XX/XX/2018.