davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Hillcrest Davidson & Associates (FL)

Collection company Hillcrest Davidson and Associates is attempting to collect a debt not owed by me. I share a similar name with a family member that actually is responsible. I have not lived at the residence that received services since XX/XX/XXXX. Services were provided in XX/XX/XXXX, years after I moved out. This information was relayed to the debt collector however the debt remains on my credit report.
Consumer complaint received 2018-03-31
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Wharthog Ventures LLC dba Loans Not Sharks (MO)

I placed a loan with this company for {$300.00}. I agreed to repay at a rate of {$130.00} per month for ( 3 ) months. One ( 1 ) payment was taken out of my checking account at XXXX XXXX XXXX. Then I notified this company and informed them of the problem, ( I had to close the account due to other identity theft problems with the credit union ). I agreed to pay the balance of {$280.00}, but they kept insisting that I owed them {$610.00}. Now they're trying to sue me wafor {$920.00}. They are loan sharks and I do believe that I am not the only person that has been decieved in this manner. I believe that this company should not be able to get away with highway robbery.
Consumer complaint received 2018-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (CA)

I'm still being mistakenly pursued for 3 years now for some XXXX   equipment that I returned. Looks like someone is making a fast buck reselling this erroneous debt again and again. Strange since I have a receipt showing I returned the equipment dated XX/XX/15 and the last debt collection agency chasing me ( XXXX XXXX ) found that the alleged debt is uncollectible. This month it's ERC of XXXX, PA that is hounding me. When will it stop?
Consumer complaint received 2018-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

I had Citi credit card for more than 10 years. I have arranged to receive a paper statement and never want to change it to paperless. How ever whenever I use the card, Citi Card company repeatedly changes the statement to paperless and failed to send me a paper statement. As I dont use online statement, I repeatedly called them and told them not to change to paperless. Immidiately, they start to send a couple of statements and then they stop again and again more than ten times. By not sending a reminder statement, they have collected late fees and interest unfairly. They have also adversely affected my credit rating. Why do the government let Citi card get away with such bad business practice?
Consumer complaint received 2018-03-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NY)

Around XX/XX/2015, I checked my credit report and discovered a collections account with the amount of {$640.00} owed to my previous apartment complex. I contacted the creditor to find out more information about the debt owed and received a letter containing the amount owed and a complete breakdown of charges. 

Upon receiving the charges, I noticed additional charges added to my account on the original creditor 's behalf. I.E. the creditor decided to replace all of the carpets in the apartment on their own behalf and charge me for the carpet repair. The carpet had been used under normal wear and tear conditions thus I should not have been charged. Luckily, I always prepare for situations like these when leaving apartments and I took an exit property video showing the condition of the entire apartment on the last day of occupancy. 

I contacted the agency and provided them with the video needed to support my claim. 
My initial contact with them in regards to the adjustment was denied. I followed up again with a written document requesting that the balance owed be adjusted to the correct amount and I agreed to pay the correct amount owed under the terms that they cease reporting to the credit bureaus. 

I received a response in which they ignored my offer for the correct balance payment and they offered a reduced number amount but also ignored my request to end reporting this account as negative.
Consumer complaint received 2018-03-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

The following XXXX XXXX account on my credit report are showing 120 days late payment which XXXX XXXX XXXX XXXX XXXX XXXX   department honored to remove the 120 day late payment from my credit report. Please see letter enclosed from XXXX XXXX XXXX and please  update my account and remove the only 120 day late payment that was listed in XX/XX/2017on my credit report. 

The letter enclosed includes the following XXXX XXXX account numbers : XXXX XXXX XXXX XXXX I have also faxed your company the letter enclosed and filed a dispute with your company requesting the information the be update and never heard anything or received a responce
Consumer complaint received 2018-03-31
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

capital one closed my account with no phone call, no letter, and no email notice. I go to make my online payments and it says restricted. I call in and its states closed. The rep said due to an NSF history on 1 card they closed all 3 accounts. I have had these cards for years and was not aware of this policy. And they didnt attempt to call to advise me. I got no warning in the mail. I didnt even know they were closed until I call on XX/XX/18, The day before XXXX. I dont think its right that they dont give you a warning or notice that this could occur. This has messed up my credit attempting to get a house and I was getting a bonus check to pay all XXXX cards off on XX/XX/2018. We were just advised that on XXXX XXXX. I believe these practices are unfair as you get a notice about everything else, but this. This is something crucial and affects peoples credit and life. Now my credit is ruin.
Consumer complaint received 2018-08-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (GA)

This letter is regarding an account that's reporting since XX/XX/2017, which you claim I owe {$240.00}. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Consumer complaint received 2018-03-31
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Pacific Union Financial, LLC (CO)

The wife and I are trying to refinance XXXX XXXX. We want to get some dedt cleared with this refi. Our mortgage company " Pacific union fin. ''. Is holding us to off till XX/XX/XXXX Of this year do to a modification. We can't even make any kind of move there roots are staying put. XXXX at XXXX did a credit pull yes we had some issues with payments yet we still to get them there payment as soon as possible with as much information on our side as possible. They now charge to make a payment. Problem is we can't move forward to help our budget if they can't move there roots a bit to get us moving in there right track. So we still struggle to make there payment an can't do a refi. To help pull us out of a water filling ship. I don't know the exact dates but was early 2017 some where in XX/XX/XXXX when the modification was started. They put us on a smaller payment yet still reported late and now they will not reverse anything.we where told the modification would not hurt us yet it has
Consumer complaint received 2018-03-31
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. (CO)

I'am repulsed by this repugnant credit agencies use of the word 'investigation ' they DONT INVESTIGATE a XXXX thing they email the debt collector to confirm if its a valid debt and 100 % of the time the debt collector will say YES. I don't even understand how its legal for anyone to BUY my social security number because that is how debt collectors work and why this fraudulent collection is on my account. Furthermore it makes ZERO sense that XXXX  would buy this debt in XXXX when I was homeless and ONLY!!!!!! to START collecting it in XXXX AFTER!!!!!! my credit information was hacked by XXXX. I WANT THIS fraudulent charge removed!!!!!!!! from my credit report that is the job of this repugnant companies employees to do. NOT just email a debt collector and take there word over mine just because they BOUGHT my social security number. This illegal activity needs to be fixed. Lastly I preemptively refuse the so called copy and paste reply they always have of. " we are investigating the matter '' as stated prior all you people do is email this junk debt collector and close out the so called investigation in 3 days that is NOT an investigation. Your job is a joke and you are a waste of oxygen. I have been dealing with your utter incompetence since XX/XX/XXXX and as you can see I will continue to do so. Your practices are faulty, shameless, repugnant, illegal, fraudulent and expurgated.
Consumer complaint received 2018-03-31
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (SC)

I rented from XXXX XXXX XXXX XXXX beginning Im XXXX of 2016. I paid XXXX, the property manager, two checks before moving in. One was my deposit and first months rent. And the second was the remaining rent for Term of the lease bc I had just received a large sum of funds and wanted to pay in full. She accepted and cashed the checks. Numerous issues evolved. Including maintenance never fixing our AC. I had a XXXX XXXX old baby at the time who could have died. The foundatiOn of the home was sinking. There were horrible issues. So the company agreed to give me my deposit back and money id already paid bc of their negligence. Well I moved and never received anything from them at my forwarding address. I called many times to no avail. Then over a year later I notice on my credit report that a debt collections agency reported I owed almost {$6000.00} to XXXX XXXX. First off I have no clue who XXXX XXXX  is. Second I was never contacted by XXXX or the collection agency. Third they waited a year to falsify information to not have to pay me. This is awful. And needs to be rectified. They told a judge that Id never ever paid them any money. No deposit. No rent. Nothing. Now we all know thats not true bc you can not move in without deposit and rent. Plus my mother was wiTh me when I handed them thoUsands and paid up from. Falsifying court documentation is a felony. What they have done to me is as well.
Consumer complaint received 2018-03-31
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. (LA)

My credit report is showing an account for XXXX XXXX Acct # XXXX that has been paid in full which when the account was paid in full XXXX agreed due to a goodwill payment, once the payment has been made they will honor my request for my XXXX account to be deleted off my credit report from all three credit breaus. Well needless to say, your credit breau has yet to honor XXXX 's deletion reques off my credit report, the account is still howing on my credit report as closed. I have also faxed the document to your company, called and spoke to a representative at your office, informed them of the contact name and phone number who they can call at XXXX to confirm the information on the letter attached is accurate and still nothing. 

Let me provide you the information again, I spoke to XXXX XXXX with XXXX XXXX XXXX who is the collections manager with XXXX. XXXX with XXXX provided me with the letter attached approving the XXXX account to be deleted off my credit report.
Consumer complaint received 2018-08-21
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)

I have been writing letters and I haven't gotten any resolve. I have sent 4 validation letters on these dates ; XXXX. I have not gotten any paper work that states I owe them anything. The original bill was from XXXX XXXX, and all they sent me was a copy of a bill. I have asked them for a signed contract and they have yet to furnish me with anything. The amount that they say I owe is {$400.00}.
Consumer complaint received 2018-03-31
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: CAPITAL ONE FINANCIAL CORPORATION (AL)

I had a checking account with Capital One 360 back inXX/XX/XXXX During this time i was the victim of fraudulent activity on my account which caused me to go go past due. In Spring of XX/XX/XXXX i claimed Chapter XXXX bankruptcy and was discharged XX/XX/XXXX. Capital one was notified that i had fraudulent activity on my account, and that it should be discharged, and collection attempts should stop. Capital one has been very aggressive with illegal collection attempts even after my attempt to inform them they should be resolved. They refuse to let me dispute the items that were fraudulent and occurred pre bankruptcy.
Consumer complaint received 2018-03-31
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. (WI)

Last four of social security number : XXXX ... ... Both creditors XXXXXXXX XXXX XXXXXXXX XXXX and XXXX XXXX have requested their tradelines be removed from my credit report, due to the accounts being established fraudulently. However, you are still reporting the negative fraudulent information.
Consumer complaint received 2018-03-31
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. (CA)

FRADULENT ACCOUNTS HAVE NOT BEEN REMOVE FROM MY CREDIT REPORT. 
I DISPUTED IT, BUT ALL THEY DID WAS UP DATE IT. 

XXXX XXXX XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX XXXX XXXX XX/XX/XXXX {$5800.00}
Consumer complaint received 2018-03-31
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)

I'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX  XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX XXXX account ending XXXX, XXXX XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this
Consumer complaint received 2018-10-31
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. (VA)

RE : Case # CFPB XXXX-XXXX FCRA Charge off Rules require accounts to be delinquent for 180 before charge-off. As per XXXX XXXX, " Once the account is sold no more activity is reported to the CRAs. So why does Experian have activity after XX/XX/XXXX on my credit file? 

This is what CFPB XXXX-XXXX  is reporting : XX/XX/XXXX ( no payment ) DOFD Charged off : XX/XX/XXXX Account Sold : XX/XX/XXXX ( XXXX ) Experian continues to report this account AFTER IT WAS SOLD to XXXX on XX/XX/XXXX from XX/XX/XXXX through XX/XX/XXXX as per Case # CFPB XXXX-XXXX ) experian continued to report this account. 
SEE ATTACHED EXPERIAN DIAGRAM. 

THE CREDIT LIMIT WAS ONLY : {$600.00} - YET THE DEBT is being reported opened as of XX/XX/XXXX, balance $ XXXX.by XXXX. ( SEE ATTACHED ) This report is in violation of the FCRA 's Furnisher Rule :
Consumer complaint received 2018-02-15
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. (ND)

I have been the victim of Identity Theft twice in the past two years. I am an XXXX XXXX XXXX XXXX, semi-retired, currently living ( temporarily ) in XXXX, but with close ties and citizenship in the United States. 

My credit record has always been flawless and I have never missed a payment on anything! However, my FICO score today is only XXXX. It had always been very high before this sudden string of identity theft incidents, all occurring within the United States.. 

I reported the problem to Experian, and after two months of continuous communication, they sent me very positive results. However, they left the addresses and some traces of the fraudulent actions in my record. It also appears that they have not reported this problem to other agencies, as I believe they are supposed to do. Perhaps that is the reason why my FICO score remains so low today. 

I appreciate any help you may offer. Thank you in advance. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (NY)

many credit card on my three bureau that i knew nothing of write the three credit bureau no one response base on the 609 law it is illegal to report item on someone credit without the proper document. ssn # XXXX. thank you
Consumer complaint received 2018-02-15
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. (WA)

PLEASE HELP ME!!! 

Experian actions has made it impossible for me to find a place to rent which has caused me to become homeless. They sent a letter saying they will not re-investigate my disputes without sending more information. The burden of proof is not on the consumer. 

They continue to report inaccurate information on my credit report making impossible for me to obtain credit. I am XXXX XXXX veteran and need a place to live. They are extremely causing a huge burden on my life. 


XXXX XXXX account balances does not match on reports. EX {$12000.00} ; XXXX XXXX ; XXXX  XXXX please delete. 

XXXX XXXX account balances reporting different balances on each credit bureau. Please delete EX {$33000.00} ; XXXX XXXX ; XXXX  XXXX XXXX XXXX High balance reports {$17000.00} but credit limit is {$12000.00}. Clearly error. Please delete XXXX XXXX High balance reports {$4200.00} but credit limit is {$2000.00}. Clearly an error. 
please delete XXXX XXXX XXXX Please remove duplicate account with payment status " unknown '' is inaccurate. 
Account paid never late which is reflected on the original account XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information. please delete XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information. please delete XXXX Account came back verified, how is this possible when the other bureau deleted it after sending them the exact information. please delete