davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

As previous dispute under complaint number XXXX XXXX on XX/XX/2018 has left me in total disbelief that a company that I have had no business with is claiming that I owe a balance of nearly {$6900.00}. Fair Collections & Outsourcing sent a package to me which they stated was the full validation that I owe this balance. This contract had no mention of their client XXXX XXXX and nowhere in it does it state that I have any obligation to them.They failed to provied me with any contract or signed agreement which enters this company and I into business that nor places me in ownership of this debt. 

Yes, Fair Collections & Outsourcing as you have stated in your response, I have made multiple identical requests in past for validation of this account and because you have failed to provide me with this validation I am now demanding it from your clients XXXX XXXX. Your Reasonable Investigation Notice states that you sent me verification on the XX/XX/XXXX and you stated that you found the account to be reported correctly and that you will continue to report it. You further state that the report date was XX/XX/XXXX which is correct. I also see it reported on my credit file accessed XX/XX/2018 thank you for your one truth but that does not impend me exercising my rights to all docmentation ; contracts or agreement that states that XXXX XXXX and I, XXXX XXXX XXXX have or have had a contract bound by law which makes me responsible for any debt presumed owed to XXXX XXXX. It is my right pursuant to the FDCPA to question the validity of this information you have yet to produce. I make this my last attempt to acquire validation and if it is not recieved I will take steps to file a small claims suit against XXXX XXXX AND FAIR COLLECTIONS & OUTSOURCING for damages due to willful non compliance and damages per violation. This entire matter has caused me stress and emotional distress which is reflecting on my health and I would gladen the opportunity to file a default of debt validation against this company who have failed to verify this debt. I have yet to see any documentation ; contracts or agreement between myself and XXXX XXXX.
Consumer complaint received 2024-08-29
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. (TX)

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX  XXXX : Account Number:XXXX  : Balance : {$280.00} Account Name : XXXX : Account Number : XXXX : Balance : {$520.00} Account Name : XXXX : Account Number : XXXX : Balance : {$800.00} Account Name : XXXX XXXX : Account Number : XXXX : Balance : {$1200.00} Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX ) : Account Number : XXXX : Balance : {$1100.00} Unauthorized Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Consumer complaint received 2018-06-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPL Recovery Solutions (MN)

This company has called random people that either I know or used to know. They are leaving very little info on messages and when people pick up they try to intimidate them to get info on me. I also have never received any written info until today when I called them. I asked them to send me info in the mail and they said they were too busy. He also asked me to give him my checking account number to make a payment. Once I said I didnt he said so your refusing to resolve this? They are very harassing and unless you ask they wont tell you who they are. One example is they called my ex girlfriend at her work. Please help!!!
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION (AL)

The following inquiries are on my XXXX credit report, and were not authorized by me. 
XXXX navy federal XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-08-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This account was charged off on XX/XX/XXXX since then the account has repeatedly been updated as charged off every month.There was also a inaccuracy with the last payment made on XX/XX/XXXX. This is an update in the payment history. A charged off account should not include an active payment history..this inaccurate information falsely manipulates the statutes of limitations .You failed to investigate this account properly and your neglect has violated my rights.i am demanding a deletion of the following account
Consumer complaint received 2018-06-07
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MA)

I acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called XXXX XXXX XXXX XXXX that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud. They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau XXXX  almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.
Consumer complaint received 2018-06-07
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

I acquired a copy of my credit report from all three credit bureaus in XX/XX/XXXX. I discovered an account called XXXX XXXX XXXX XXXX that was opened in XX/XX/XXXX. This account seems to be for an auto loan and has a balance of almost {$5000.00} USD. I contacted all three of the credit bureaus and reported this as Fraud. They conducted an investigation and disputed the information with the creditor. The results of the investigation came back and the creditor replied that the account is verified and belongs to me. I spoke to the credit bureaus again and they told me that if this account is really not your account, then I should start another investigation and this time the subject of the investigation will be Identity Theft. They also told me that if I submit a personal statement and obtain a police report. Then that can be included in the investigation as documents supporting your case for Fraud and Identity Theft. Once again the results came back with the same results and response from the creditor. I proceeded to resubmit a dispute to the credit bureau XXXX almost every single month. I also contacted the creditor multiple times and the last time I contacted them I was so frustrated and just wanted this inaccurate information off of my account I told the representative that I would just pay whatever money is owed so that they can be satisfied and remove this account from my credit report. I was told they can not do that and if I did that. The account balance would be reported as {$0.00} dollars but the account would still remain on my report until it falls off. In the meanwhile as I was dealing with this, I did receive a correspondence from the creditor with some kind of fraud questionnaire and affidavit. I filled out this information and sent it to them. 3 months have passed by and I didn't receive a single response. I find this company very unprofessional, it seems like they are just playing games and trying to give me the runaround. With the many investigations that I submitted against this creditor they have yet to send any proof that this account belongs to me. If they fail to do so then they are not legally fulfilling their obligation as a creditor in this situation. For more the account should be removed from my credit report immediately. This is causing me personal loss because this account is showing future creditors that I am irresponsible and present myself as potential credit risk for any and all future credit decisions.
Consumer complaint received 2018-04-18
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. (OR)

I have reported to all 3 credit bureaus multiple times that XXXX is wrongly reporting my private loan status/information. The account was opened in XX/XX/XXXX for {$10000.00} and started repayment in XX/XX/XXXX. My credit report states that the account was closed ( and charged off ) in XX/XX/XXXX. It is still on my credit as an open account and reports that I am 90 days late every month and also reports that my account is charged off every single month. 
How can both be true? If the account is closed/charged off then no payments are due. 
Or if the account is open then it hasn't been charged off.
Consumer complaint received 2018-06-06
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION (TX)

In applying for a refinance loan with Navy Federal back on XX/XX/XXXX. The person I was working with at Navy Federal continued to ask for documentation in order to have my loan reviewed for approval. I did not like the fact she asked me to scan my tax records and email them to her via the internet. I felt this was not a safe way to ask for personal information to be sent. She assured me that an appraisal of {$500.00} would not be asked for until my loan was approved. After she assured me personally the loan had been approved, the {$500.00} was paid to have the appraisal done on my home. We also had to pay {$140.00} for termite inspection of our home before going to the Title company. After numerous emails of continuing to ask for documentation ( asked for XXXX tax information twice ), and many phone calls, my husband received a phone call from XXXX XXXX that our loan had been denied. To my dismay, I was very upset in regards to how this process was handled. I contacted the department and asked to speak to XXXX XXXX 's supervisor, and instead, the representative pushed me through to XXXX XXXX instead. I asked XXXX XXXX to transfer me to her supervisor and she said she did not know how to do that. I told her I would hold until she found someone else to transfer me through. I left a voice mail and asked the supervisor to call me back as soon as possible. I also called Navy Federal again and asked for the email address so I can follow up with an email and explain to her how I was not pleased in the handling of our loan. I then received a call from another person ( not the supervisor they gave me a name to ),  XXXX XXXX. XXXX XXXX assured me that she would speak with XXXX XXXX and apologized for how the loan was handled. Apparently, all that was done to process my loan was handled very, very badly. This institution had my home insurance already transferred to Navy Federal and I had already sent more documentation to the Title company to begin the paperwork for me to sign on a loan. To find out at the 11th hour my loan was denied is very disturbing and the emotional roller  coaster I have been experiencing is unbelievable. I want this experience to go on record in regards to Navy Federal to where no one else will have to go through what my husband ( XXXX veteran ) and I have experienced. We plan to look for another institution in hopes we can receive help in reducing our mortgage payment soon.
Consumer complaint received 2018-06-06
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 (MO)

I noticed a negative mark on my credit report and disputed the alleged debt with the collection agency listed. I sent this request for validation certified return receipt mail. The collection agency did not respond to my request for validation, yet continues to report this information that has not been validated knowingly in violation of consumer rights under the FDCPA and FCRA. I also disputed this information with the three major credit bureaus : XXXX, XXXX, and XXXX, who responded that the information was verified. I contacted the original creditor listed on the account and requested an investigation pursuant to Section 623 of the Fair Credit Reporting Act. No documentation of records was provided as requested and they could not validate the account. No thorough investigation was conducted by the original creditor or the credit bureaus as requested. The collection agency did not respond to request for validation. However, all parties involved continue to report invalidated information knowingly in violation of my consumer rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act.
Consumer complaint received 2018-03-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (FL)

I have been paying this loan over 15 years. My payments are not being applied correctly, each statement I pay the amount due but my balance doesnt appear to go down. I just happen to review my account online and find that interest was capatilized on XX/XX/XXXX and XX/XX/XXXX but I dont k ow why. My payments were set up on auto payments so there should not be any capitalized payments. 

I will never pay this loan off if my payments are not applied correctly. Please investigate and make sure that my payments are applied correctly and the balance corrected.
Consumer complaint received 2018-03-24
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: New Century Financial Services, Inc. (NJ)

The actions are from XXXX XXXX XXXX, representing New Century Financial Services. 
XXXX XXXX XXXX sent a summons in XX/XX/XXXX to an address to which I had a furnished room in XX/XX/XXXX. I moved out of this furnished room approximately in early XX/XX/XXXX. I had no knowledge of this summons. The certified letter returned to court unclaimed XX/XX/XXXX. XXXX XXXX  XXXX used regular mail as well. In XX/XX/XXXX, XXXX XXXX XXXX obtained a default judgment for the amount of XXXX - XXXX added interest and fees. They claim their client owns a debt from XXXX in my name. 
Sometime between, approximately, XX/XX/XXXX I received a letter from XXXX XXXX  XXXX demanding I answer a questionnaire about my assets, bank accounts, and etc. at my current address. I was surprised, and I did not answer because I regarded their actions hostile, invasive, and questionable. 
On XX/XX/XXXX I was notified I had received a letter from XXXX , XXXX , XXXX XXXX XXXX , XXXX . The letter is dated XX/XX/XXXX informing me of a notification of an application for wage execution to be served upon my current employer.
Consumer complaint received 2024-10-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2024-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I expect a prompt response to this matter and will be monitoring my credit report closely for any updates. Your cooperation in resolving this issue is imperative, and I trust that you will rectify this situation promptly. XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-24
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: Fidelity National Information Services, Inc. (FNIS) (WI)

I became aware of being a victim of identity theft when I received a call from XXXX Police to come into the office for an important matter. At the initial meeting, my information such as SSN, Driver license, as well as my citizenship paper were in the hands of the officer. It was then that I went to review my bank account and credit report to realize the monies had been taken out from my bank account and numerous of bank cashed checks as well as credit card were under my name. With this action, there is a court case still in pending status. At this time, I have tried to open another bank account so I can cash my checks from work to continue my daily life, however, I am unable to do so due to identity theft and the inquirer information of my CHEXSystems report. I have been informed and directed to this website to file a complaint. Please advise. 

Thanks, XXXX XXXX
Consumer complaint received 2018-09-19
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. (SC)

I HAVE FAXED EQUIFAX FRAUD DEPT FX # XXXX MY FTC REPORT # XXXX ON XX/XX/2018 AND BY FTC LAW EQUIFAX WAS SUPPOSED TO DELETE/BLOCK SAID ACCOUNTS INCLUDED IN THE REPORT ( DUE TO FRAUD ). AS THEY HAVE JUST COMPLETED FOR OTHER ACCOUNTS PREVIOUSLY IDENTIFIED. THIS TIME EQUIFAX HAS DECIDED TO TAKE IT UPON THEMSELVES AND DISPUTED THIS WITH THE ( 3 ) FINANCE COMPANIES LISTED BELOW : XXXX XXXX, XXXX XXXX # XXXX, & XXXX. THIS IS HURTING ME BECAUSE BY FTC LAW IF YOU HAVE A FTC REPORT THE CREDIT BUREAUS MUST DELETE/BLOCK DUE TO FRAUD. I DID NOT AUTORIZE A DISPUTE THIS WAS DONE AGAINST MY WILL. EQUIFAX TOLD ME THAT I WOULD HAVE TO ALLOW 30 DAYS ( WHICH IS FALSE ) EQUIFAX STATES TO ALLOW 5-7 BUSINESS DAYS FOR THE ACCOUNTS TO BE REMOVED/DELETED/BLOCKED. THIS IS LEADING TO ME CARRYING THESE FRAUD ACCOUNTS ON MY CREDIT FILE HURTING MY SCORE TO APPLY FOR ANYTHING, THEREFORE IMPACTING MY LIFE. 
EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX CONF # XXXX DATED XX/XX/2018 EQUIFAX XXXX # XXXX DATED XX/XX/2018
Consumer complaint received 2018-09-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

This all started in XX/XX/XXXX. I had a XXXX XXXX credit card that was financially backed by HSBC. I could no longer pay due to unemployment and it went to bad debt. Eventually HSBC discharged the debt ( was written off ) and the account was closed. 

On XX/XX/XXXX I was notified by my bank, XXXX, that somehow the XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX had acquired my credit card account information and was requesting any payment information. Is that legitimate? I mean how did he get my credit card account number? 

Does this go beyond the statute of limitations? 

I was never sent a notice through mail of this subpoena.
Consumer complaint received 2018-09-20
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: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

Bank of America Credit card account balance shows XXXX. I have never applied for the card nor am I aware of this card and I never banked with bank of america.

I had recent credit check done by homeland secuirty and that is when I noticed this issue. I have tried many times to get this problem solved but nothing happens. This is not my credit card nor my charges and I need this removed off my credit report. I have provided more then enough proof and documentation for this but bank of america is not responding at all.