davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (AZ)

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7.15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Consumer complaint received 2018-07-16
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. (CA)

I have disputed items on my credit report with Transunion on multiple occasions over the last three months. 
First I have not received an updated credit report since XX/XX/XXXX file # XXXX. 
I also disputed the following items : XXXX XXXX XXXX XXXX ( acct # XXXX ) which shows 30 days late XX/XX/XXXX which was never late and I provided documents from the creditor showing 20 days late XX/XX/XXXX this item was received by Transunion on XX/XX/XXXX by certified mail # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) disputing the status of this account showing " included in bankruptcy ''. This account wasn't included in bankruptcy and spoke to XXXX at XXXX XXXX XXXX XXXX and was told this account shouldn't be on my credit report. 
XXXX XXXX XXXX XXXX XXXX ) shows a status of included in bankruptcy, which I have never been in bankruptcy, date closed in incorrect and was closed paid in full on XX/XX/XXXX not closed XX/XX/XXXX. This same account was removed from my XXXX credit report during my complaint with CFPB, complaint number XXXX. 
RISE ( acct # XXXX ) status shows included in bankruptcy and I don't believe this account is mine and has asked for verification.
Consumer complaint received 2018-07-16
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Harpeth Financial Services, LLC (TN)

As of late XX/XX/2018, the Advance Financial company, a payday lender headquartered in XXXX, Tennessee, was notified in writing of my revocation of the ACH for automatic debit withdrawals from my bank account. Over the period after which such notice was provided, three separate payments, amounting in total to {$250.00}, have been deducted from my account. I have contacted AF in order to request that these charges be reversed, yet no restitution has been provided as of this writing. Attempts to verify the receipt of and commitment to honor the ACH revocation with the AF legal department have been unsuccessful.
Consumer complaint received 2018-07-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Dear Sir/Madam, I am writing to dispute the following information on my credit report. I have a listed the items that once showed they were removed now their back. I tried to speak with a TransUnion representative on XX/XX/2018, trying them know that my credit score alerted me and dropped down inquiries were gone one month and then the next thing I know there back on there. Ive been trying to contact the company but its stating that their closed even when their time says their open, I even called today which is XX/XX/2018 it says their closed and im highly frustrated at this point. So it seems like no one is trying to help and seems like that there's been some activity with my TransUnion reports inquiries that are being misused cause they showed back up. I never received any information as in a letter or anything to why I just know when I looked at my credit report which I do only a daily basis, one day everything was wiped out and customer service seems to not want to help my situation with them being back on there and this is affecting my credit score. 

The inquires are : 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 am requesting that the item be removed to correct the information of being deleted.
Consumer complaint received 2018-07-15
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: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/2018 I purchased merchandise from XXXX XXXX store for the amount of {$220.00}. I never received the merchandise that was paid for even though the tracking shows it was delivered I never got it. I never signed for anything. Nothing. The merchant failed to send a replacement so I was out my money and no merchandise. 

This is when I contacted my credit card company, Capital One. I started a dispute for this transaction stating the above. They had me sign a form and send back with all the information they asked. I submitted as they asked and they denied my claim when they are supposed to protect me as their customer because I never got my merchandise so i was charged for something I never received.
Consumer complaint received 2018-07-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

PLEASE KEEP IN MIND I ONLY WANT A LIMIT INCREASE TO BUILD MY CREDIT SCORE FOR BUSINESS CREDIT I HAVE NO DESIRE TO GO ABOVE 10 PERCENT UTILIZATION. I JUST WANT TO GET OUT OF THE SUBPRIME CREDIT TRAP Hey XXXX, I know youre a busy man so I do not want to take to much of your time. I will be direct and to the point. I have a capital one journey account thats 3 years and 3 months old. I want to thank you guys for giving me credit when I had no credit. My main issue is my credit limit is only XXXX dollars. I graduated college and now I am making XXXX a year. I can afford a XXXX limit. 

This credit limit of XXXX does not match my current income. Also this keeps me at SUBPRIME CREDIT... 

I do not like using this card because my limit is sooooooo low. 

IF YOU CAN HELP ME RAISE MY LIMIT ABOVE 10K I will be indebted to you!!!!! 
I never complained to the XXXX XXXX XXXX Please increase my limit XXXX 10k or above will take me out of subprime and I will be able to get funded for my business. 
THIS WOULD CHANGE MY LIFE FOR THE BETTER MY DESIRED LIMIT IS XXXX BUT IM GREATFUL FOR ANYTHING MORE THAN 10K I AM TRYING TO BUILD MY BUSINESS CREDIT. 

THANKS FOR YOUR TIME HERE ARE MY ACCOUNT DETAILS : XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX LAST FOUR OF CARD NUMBER : XXXX
Consumer complaint received 2018-07-14
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Santander Consumer USA Holdings Inc. (CA)

On XX/XX/XXXX repo man came and stopped by the house and was told they were going to take the car, and I said I was actually on my way to go make a payment so he called it in to the company and had agreed to go make a payment, I sent a payment of {$700.00} on XX/XX/XXXX thru XXXX XXXX as they messed up my bank by trying to charge it twice. So I sent my payment and exactly today I checked XXXX XXXX   and it says I my account with Santander has been charged off, checked the money transfer and they never collected the money. 
Ive already spoken with them before that I will try my best to make atleast 2 payments in a month till Im caught up. But is it even worth it? I financed a used XXXX XXXX fo {$15000.00} and I haven been paying on time for the past 2 years till Hit rock bottom recently. Ive been paying {$420.00} a month for two years and a haof ( $ 10,000+ ), and the car pay off is {$17000.00} and the car now is only worth {$3000.00}. Santander has been a huge burden, they harass you with calls atleast 12x day some of them is at XXXX XXXX or even late at night, they have harassed my boss to the point that she asked them to removed her from call list. why does satander punish people who has low credit score cause theyve never had any history credit and make them pay 5x the amount owned? Then push you till youve hit rock bottom?
Consumer complaint received 2018-07-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Windham Professionals, Inc. (WI)

I have been trying to contact Windham Professionals to send me the letters they sent when my student loan was in default in XX/XX/2016. I tried reaching out to their Consumer Relations department and no one answers. I tried emailing them for the information and they said I needed to call them in order for them to verify my identity. All I am looking for is the letters they sent me w/ the fees they charged. The student loan has already been rehabilitated.
Consumer complaint received 2018-07-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (CA)

XX/XX/XXXX I pulled my credit through my credit monitoring service. XXXX   was showing a collection from XXXX XXXX XXXX. for the amount of {$1900.00} Account # XXXX placed in collections XX/XX/XXXX. 

However this is not my account My Father and I had the same first and last name and he passed away around this time. I had sent certified letter XX/XX/XXXX to the debt collector. 

They removed from my credit report XXXX also did investigation and has also made the decision to remove from my credit report as well. 

XXXX XXXX I received yet another letter from Pendricks regarding this account. 
they also changed the name of the original creditor and original account number. To allow for a ( reinsertion of invalid debt onto my credit report ) the System automation will believe its new. 

I dug up everything from back in XXXX. I just now called the original creditor they are also called XXXX XXXX. I spoke to them I gave them my social my date of birth they can not find me. I do not owe them money.. I also called XXXX   hospital and XXXX XXXX XXXX they can not find me and they have also stated they could not speak to me due to a HIPAA violation they have a XXXX but its not me. attached you will see my original certified letter receipt. the old XXXX  collection. links to show XXXX XXXX XXXX and XXXX are in fact the same hospital. 


I understand mistakes can be made., Pendricks forewarned is forearmed You need to remove this from my credit report Immediately this is not my collection. I take pride in my credit score and I am closing on a house in 45 days if This prevents me from cosigning on my house. I will take this to federal court not small claims. Because you are now very aware. Due to my attachments. 

I am not paying anyone to help me. there isnt a debt company I understand you get alot of that it is only me,. I am very familiar about the laws. You also know from past collections that I have written to you explaining my fathers death on a few other occasions. I am asking nicely as a " courtesy from you to remove this promptly before This goes any further. 
I woke up one morning and saw my score dropped 85 points due to this inaccurate reporting you never contacted me I was not notified. this breaks soo many laws in so many ways its not even cool. 
I have also forwarded this to the original creditor XXXX XXXX on intial report from XXXX, XXXX XXXX Thank you, XXXX XXXX
Consumer complaint received 2018-06-01
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (WA)

I have had continuous issues with PNC over the past year on this short sale. One episode if erratic behavior and requests after another. I am being told they will not allow an extension on the approval because they only allow up to 60 days to close. Reference a past approve issued in XX/XX/XXXX. We could not proceed with closing until the approval was revised to include the payment toward the UCC lien. Which that approval was issued on XX/XX/XXXX, this was not an extension but a complete corrected new approval. I even had to RESUBMIT the complete packet and it was reviewed for a month and then reapproved to include the UCC lien and issued on XX/XX/XXXX.  We were then able to proceed with closing at that time, with that said we are only in a little over 30 days and extending to the end of XX/XX/XXXX with be under the 60 days you are referenced to. 

There isn't any reason why they shouldn't issue an extension on the approval until XX/XX/XXXX as that is within their 60 day to close policy. There is a foreclosure set for XX/XX/XXXX that It feels like PNC is jeopardizing the file to pursue.
Consumer complaint received 2018-07-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AR)

I have written and sent 3 validation letters to XXXX XXXX to validate a debt owed. Starting XX/XX/18 ( 1st letter ), around XX/XX/18 ( 2nd letter ), and XX/XX/18 ( 3rd letter ). The 1st letter they did not send the information requested just a printout which stated not to send a printout, the 2nd letter there was no response, and the 3rd the same printout. They continue to not validate the debt with a contract and my signature stating I owe this bill. It has compromised my credit worthiness due to this false and incorrect account on my credit report. It has also harmed me getting new lines of credit.
Consumer complaint received 2018-07-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (FL)

I contacted ( 2 ) collections agents XXXX, XXXX and ERC who are reporting a negative account on my ( 3 ) bureau credit reports. I reviewed my XXXX  credit report in XXXX and found an account that is unknown to me. I wrote a letter on XX/XX/2018 and again in XX/XX/2018 to both companies who are both reporting at the same time. I explained in my letter that I had not yet used my credit in anyway and there should be nothing reporting on my credit I requested that both companies provide me with Full validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and all corresponding local state laws. I requested validation that is competent evidence bearing my signautre showing that I had or ever had some contractual obligation to pay. Because this account was fraudulently opened I insist that these ( 2 ) collections agents remove all negative marks found on my ( 3 ) bureau credit report files from your company and the company they represent. 

XX/XX/2018 after no response at all from both the reporting collection agents I worte to the ( 3 )  reporting bureaus XXXX  ; XXXX XXXX and XXXX  by certified mail and enclosed copies of the letter sent to XXXX, XXXX and ERC ( see attached document ) asking for validation that the information their clients are reporting is correct and that it seems that some one used my perosnal details to open up this accounts. I requested Full Validaiton and I have not yet had any reply.
Consumer complaint received 2018-06-01
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC. (CA)

These student loan accounts have been transferred multiple times and is duplicated reporting on my credit profile. I was never late and was on an approved deferment during the time it states account was late. Accounts need to be shown as paid as agreed and never late. In addition, I believe the company purposely swayed me not to repay and declined all forbearances and more than doubled the amount owed making it almost impossible to repay. It appears as though this company used unethical practices when offering repayment options.
Consumer complaint received 2023-05-08
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: EQUIFAX, INC. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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.
Consumer complaint received 2018-07-14
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (FL)

Back in XX/XX/XXXX I called XXXX inquiring about a phone I was told our old it to XXXX call XXXX and stated to them that I never received the last bill and that I still have equipment and if they sent me the proper shipment information I will return the item I spoke to a representative he gave me a confirmation number and stated that information would be deleted do to not notify me of last bill and not sending you boxes to pick up the equipment. I called again just to verify the confirmation number XXXX representative stated they werent aware what the number was I requested that a supervisor called me and I never received a phone call. After two months of XXXX I called in again stated to them that I never received a call from the supervisor is I still have the equipment and what do I need to do with it the amount that they are requesting was {$700.00} I did not owe that amount because they failed to get their product I stated to them that I would more than be more than happy to pay the last bill and that I cancel the services and they never updated their system.This whole process is in attempt to Hendering my credit due to in accuracy and failure to Process this matter accurately Ive called several times and have yet to hear from a supervisor and was told that the account was deleted and now I have a letter from a collection agency inquiring to collect the debt that is not owed
Consumer complaint received 2018-06-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

XX/XX/XXXX - I received an email from Paypal stating that my PayPal account is permanently limited and no longer be able to receive payments or do anything with my money i.e {$7700.00}. 
I tried reaching them out customer service always said they are unable to help me with this and no longer will provide me any service. Their merchant department will contact me soon which they always contact me at the very wrong time when I am busy and they didn't even give me any warning or any kind of email stating if there is any problem. I sold electronics on XXXX and XXXX uses PayPal platform to run transactions so as a seller my money was paid by the buyer and they received the purchases product as well. After a month today XX/XX/XXXX I called them and requested to speak with one of the merchant associates names which they called me and the name of the associate was XXXX. I discussed the issue regarding my account limitation and what caused it. They explained to me that due to selling expensive item and it involves huge sum of money to be transferred they take a look at it as " high-risk industry '', I understand that selling expensive item can lead to dispute or other issues but therefore I never had any issues with buyers they always got the item they requested in a timely manner. If any buyer had issues I solved it right away with the help of XXXX, firstly Paypal has not mentioned anything about this with me before on this and one day they decided to take control of the money which belongs to me. While speaking to XXXX he said I have the balance of {$2400.00} that will be on hold for 180 days, and I tried to explain that I have more balance left in the account are {$5300.00} which he denied that he see none of that amount ( which Paypal have in their app shown in the attachment stating " manage goal '' which I use them to separate my money trying to keep my budget balance. He kept on arguing that I only have the balance of {$2400.00} and that only will be transferred to the bank and he is not aware of this PayPal " manage goal '' platform.
Consumer complaint received 2018-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Ive paid off all my balances with CapitalOne, but they have not submitted the information to Credit reporting agencies. Im trying to purchase a new home and this information is keeping my score lower than it should be. It upset me that I was charged interest after my balance was at XXXX. I called to have it waived, but CapitalOne refused, so I paid. Its been a month now and the information is still there ( the last balance ). If they submit the information, then my score would increase. I need CapitalOne to submit my XXXX balance information to XXXX, XXXX  and XXXX asap! Calling them will not change their procedures or help me with my problem. I found this Credit Card company is late submitting information to the Credit Reporting companies, which is a disservice to the American people. They should be investigating on this issue alone. I have 2 accounts with them ; 1 is through their parent company and another through XXXX ( which they are the parent company ). Any help you can provide would be greatly appreciated! Thank you!