davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (GA)

On XX/XX/19 I received a letter identified as from XXXX XXXX  c/o XXXX, XXXX. XXXX XXXX, XXXX, MD XXXX that stated they regretted they were unable to approve me for the service because they were unable to verify my identity. I did not apply for a XXXX account, so this seemed odd. I have since contacted XXXX XXXX  and their Fraud Department twice @ XXXX & XXXX and I have been told both times that there was no application for XXXX in my name at my address or any application associated with my social security number and no XXXX account exist. They also said the address on the letter from XXXX XXXX, declining credit, is not a valid bank address. However, I later received a collection notice from MRS BPO , LLC dated XX/XX/19 stating the current creditor was XXXX, XXXX with a MRS BPO , LLC account number, last four digets of a XXXX account number, that I have now confirmed with XXXX is invalid, and MRS BPO LLC claims I owe a balance of {$800.00} for XXXX chargebacks. 
I sent MRS BPO , LLC collection agency a certified formal written dispute letter on XX/XX/19 explaining that I had been in touch with XXXX XXXX  and the fraud department at this bank, as well, and there are no XXXX accounts on file in my name at my address, as shown on their letter, that I am attaching for your review. They responded back to me in a letter on XX/XX/19with a description of three chargebacks with chargeback fees equaling {$800.00} and each of the three charges reflected a different e-mail address, none of which were mine, yet MRS BPO , LLC somehow has my name and USPS mailing address on file and attached to these chargebacks. I have checked all three of my credit reports and there are no inquiries on my credit reports that my credit has ever been checked by XXXX XXXX  XXXX or that I have any kind of existing XXXX XXXX account. I have explained to MRS BPO , LLC in writing that these accounts do not belong to me, however they have left them in my name on their last letter of XX/XX/19in another attempt to collect. Will you please investigate this, as I feel like it is some sort of criminal activity and MRS BBO, LLC is involved. I confirmed on the internet that XXXX XXXX XXXX, XXXX XXXX, NJ XXXX is a valid address for MRS BPO , LLC, as shown on their letters. Please investigate and advise me of the next step in stopping this fraud and contact from MRS BPO , LLC.
Consumer complaint received 2019-11-13
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. (OH)

I am not sure how this works but I have defiantly got some bad infomation on my credit report. I do not recall having any of the following account on my credit report. I have never even heard of these companies : XXXX  XXXX  # XXXX XXXX  XXXX XXXX # XXXX**** XXXX XXXX XXXX # XXXX**** XXXX  XXXX # XXXX XXXX   XXXX # XXXX XXXX XXXX XXXX XXXX XXXX I would like to request that they send me a full account/application etc so I can go over theses accounts and get to the bottom of this.
Consumer complaint received 2018-05-02
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. (FL)

I have contacted Transunion as well as each individual company in regards to inquiries that I did not authorize. I have also completed a fraud affidavit that Transunion advised me to complete an all the inquires are still reporting. 
Transunion Credit file number XXXX FTC Report Number XXXX Inquires : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX 6. XXXX XXXX XXXX   XX/XX/XXXX 7. XXXX XXXX XX/XX/XXXX 8. XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12.XXXX  XXXX XX/XX/XXXX 13. XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-11-17
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. (NJ)

Someone seems to have access to my personal information and is trying to ruin my credit. In XXXX of 2021, a debt from XXXX XXXX appeared on my credit with a balance of {$260.00}, this debt has no account number, just a po box and a phone number. I made several calls to them and spoke with a young lady by the name of XXXX. I have been unsuccessful in rectifying this problem. I need this to be removed from my credit report immediately as this is causing me an enormous amount of stress. Please advise as I do not know what to do.
Consumer complaint received 2018-05-02
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. (NY)

i did applied for a loans XXXX XXXX XX/XX/XXXX, The XXXX  report was seriously delinquent.credits obligations unpaid. I had called XXXX and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. XXXX advised me to call the collecting agent XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE.  XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified XXXX, XXXX investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to city bank and still they repor Delinquency Please help me
Consumer complaint received 2024-10-27
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: EQUIFAX, INC. (OK)

I've tried many times to resolve the issue with XXXX they are ignoring my request. 
i tried sending verification letters to XXXX, Equifax and XXXX.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S.C. 1681i - Procedures in case of disputed accuracy, and 15 U.S.C. 1681e ( b ) - Compliance procedures to ensure maximum possible accuracy of the information. I recently reviewed my credit report and would like to ensure that all the information is 100 % correct and accurate. 

Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX Specific Issue : " I noticed a discrepancy in the Account Type for this collection account across the credit reporting agencies. ''
Consumer complaint received 2019-11-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc ()

On XX/XX/XXXX, money from transferred from a business associate to me of $ XXXXUSD.. making my paypal money balance $ XXXXUSD. He paid around {$40.00} for this transaction. I was always told that theres no hassle to get my money from Paypal and my bank XXXX also said that I could request a cheque from them for my funds. The same day I called & requested the cheque but the representative first sent me to a website where they say you can manually request the cheque : paypal.comwdfunds and paypal.comwdcheques but there were no options to request any cheque ; just to transfer money by adding a US account. I told the representative and then supervisor that I wasnt seeing that option on my end and dont have a US bank account. She said that she would formally request me to get the cheque at my home address in XXXX associated with my account ( which you have to verify among other things before being able to speak about your account to a Paypal ). She said it would take two weeks to process and arrive to my home. 

Today, XX/XX/2019 I called Paypal for an update on my cheque and was first told that no notation or request was made for the cheque.. then after investigations were made they said that the request for the cheque was declined by their staff member and there is nothing else they can do. I asked numerous questions and told them how unfair it was to international customers because most people would assume the fact that at least 95 % of international customers dont have a US bank account and it is my money that I earned and they are preventing me from accessing it. XXXX repeatedly said that there is nothing they can do and ask if I cant link a US bank account to my account by asking someone for their details? 

Now, 1 ) Why would I do that? And pay an additional $ XXXXUSD to  send the money 2 ) What is preventing Paypal from sending a cheque to an international customer vs a local consumer when globalization exists & sending mail internationally is VERY easy 3 ) Why are there no supervisors for decisions made like this and no  proper explanation made? 

My mail comes straight to my house and you need ID to change out the money anyways so security issues is a very weak excuse to NOT give me my money. I believe Paypal is deliberately withholding my money so that I can be tied to them and they can control my money there and I would HAVE TO make purchases through them. This is a form of abuse and I believe no consumer regardless of their nationality wants to be deprived of money they have rightly earned!! 

my email associated with the Paypal account is : XXXX XXXX
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: Bread Financial Holdings, Inc. (PA)

The collector is from a Zales credit card. On XX/XX/XXXX. XXXX XXXX (? ) said a matter has been escalated to his desk and hed like to have the matter resolved. His number is XXXX, extension XXXX. Hes there until XXXX XXXX. This message and another one was left on my fathers landline phone. Again on those people called again on XX/XX/XXXX, at XXXX XXXX. I just listened to the voicemail. They have also called my mother on at least three different occasions. My parents are elderly and this type of harassment is unhealthy.
Consumer complaint received 2018-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Reliant Capital Solutions, LLC (TN)

Background : After several violations of the law employed by XXXX XXXX XXXX   contracted for hire by XXXX XXXX XXXX University, XXXX continues to work around fair collection violations laws by jumping from agency to agency to keep the infliction of purposeful pain going with no desire to resolve my case. XXXX now swithced to Reliant Capital Solutions from Ohio with no intent to validate debt or settle my case.

I have a document showing XXXX refused to discuss and settle and very unreasonable and not working in good faith. Reliant must not allow XXXX to use them to entertain their goal of inflicting pain with no intent to resolve my case.

Highlight of issue : First, the SOL is over. The correct venue for this case in in NH as per XXXX XXXX  own ask for arbition rights. They can not have it both ways and now flip to my state casue they do not like NH 's. The claim dates back toXX/XX/XXXX.

Reliant Capital Solutions called onXX/XX/XXXX at XXXX XXXX VIA called ID XXXX  from XXXX, Alabama. XXXX XXXX   asked for XXXX XXXX. I asked who was calling. He stated, " My name is XXXX  from with XXXX  representing XXXX You owe {$2400.00}, and I need to confirm some information. '' He never told me he was attempting to collect a debt, I was being recorded, or anything used can be used.

I thought representation was an arbitration company from XXXX given a very long dispute over XXXX XXXX  claim and services of collector XXXX XXXX XXXX all many years. I stated, " the debt is not valid. I do not owe them any money. I explained my story because I was not aware he was from a collection agency until I was talking to him. Then, the phone number I called to call back was their main line in Ohio, yet the caller 's phone was from a different state and city. In the end, the caller was reached via their corporate number but he tricked me using a noncompany number.

After he listened, He directed me to call XXXX to validate the debt, so XXXX  referred me back to them all within the hour ( the two were working together ).

I was provided a reliant supervisor E-mail to contact as I offered to settle the case for less than their claimed amount of {$2400.00}. No response yet.

XXXX XXXX XXXX is using abusive tactics via collection agencies, and the collection agencies are consistently not being held accountable for violations of the law. Therefore, I exercise my right for legal action and fines again present, former collection agencies in this case and now XXXX  who knows abuse the abuse and letting the collection take to blame for violations of the law. The tactics of this agency, the others, and XXXX  is intended to inflict harm as long as possible with NOT intent to close this out. I offered to settle multiple times, yet they keep saying they my credit report will be impacted.
Consumer complaint received 2019-11-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Capital, LLC (AL)

please see my previous cfpb closed complaint XXXX for details and attached proof. 
XX/XX/XXXX I received an attempt to collect from XXXX XXXX, XXXX saying the amount owed is {$790.00} from XXXX XXXX XXXX. 
1. This is a FRAUDULENT claim from a collection agency. 
a. statute of medical bill collection limitations for BOTH Florida and Alabama is WAY over the statute of limitations. This medical bill was done in XX/XX/XXXX. It was written off due to indigency in XX/XX/XXXX. ( please see attachments from previous cfpb complaint regarding this same issue and you will see both hospital and XXXX XXXX XXXX written off confirmation numbers ).

b. It is ILLEGAL for this agency to continue to pursue after statute of limitations ( x 2 Florida and Alabama ) is over c. It is ILLEGAL for XXXX XXXX to cross state lines to collect-yet this is my second time this year dealing with this issue. 
d. Amount they say is due is FRAUDULENT and ILLEGAL. See previous cfpb complaint for attachments. Correct amount is {$0.00} e. THIS is FRAUDULENT because it has been reported on my credit report 4 times now and I suspect when I do not pay this time it will be reported a FIFTH TIME.

I am asking that you enforce my request that they stop seeking to collect. Im XXXX and can not pay this bill anyway. I will not pay this bill as it is fraudulent and illegal.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

I have been on automatic payments with my Bank of America credit card and then all of a sudden, I get reported as 30 days late on my credit report and got a phone call from a customer service rep. There is no way. My payments were coming out on auto pay so how was I 30 days late. Then I made a payment and they lowered my credit limit to {$2300.00}. I just paid another {$1200.00} on my credit card too. I was doing everything I could to be responsible and make on time payments. Now I feel like I just keep getting punished. I was reported as late after I thought it was on auto pay and then my credit limit gets lowered.
Consumer complaint received 2018-05-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (CA)

My student loan payments should qualify for Public Service Loan Forgiveness as I work for a qualified employer and have made regular payments over the past ( approximate ) 7 years. My loan servicer has not qualified all of these payments and I would like to know why. I requested a payment tracking letter from XXXX  XXXX   regarding payments that qualify under the Public Service Loan Forgiveness. I requested this breakdown of qualifying payments approximately XX/XX/XXXX. I was told that it would take up to 2 months to complete. I checked back in XX/XX/XXXX - it was still reported not complete. I continued checking in every few months and was told that it was finally complete in XX/XX/XXXX and would be sent immediately. I never received the payment tracking letter and have continued calling to check up on/request it and have still not received the promised payment tracking letter.
Consumer complaint received 2019-11-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MI)

Navient alleged that a loan was originated in 2007 in my name. They are alleging that a check in excess of {$25000.00} was cashed at a liquor store. 

I have communicated to Navient on numerous occasions that I never received these funds. I have not cashed a check. 

The promissory note and agreement has an electronic signature on it that Navient refuses to provide validation of. 

Although the loan may have been applied for along with other loans for anticipation of school expenses, I was subsequently approved for sufficient Federal Student Loans. Therefore I would not have needed the funds from the private loans. 

These private loans were never actually funded and the funds were never negotiated by me. 

I have also requested information regarding the custody of this loan. Specifically, these loans are alleged to have been originated with Sallie Mae. Records indicate that Navient and Sallie Mae are NOT the same company. It was not simply a name change. Therefore, Navient has to show proof that the loans were properly transferred to them from Sallie Mae. 

These loans are also reporting negatively to my Credit Report. Navient should block reporting until this issue is resolved based on Federal Law.

I do not owe a debt for funds I never received. I can not fill out a Identity theft affidavit that says someone stole my information in this regard. That would be a lie and perjury.

The overall picture is that although the loan may have been applied for, I never signed the agreement or received any funding. The loan was cancelled.
Consumer complaint received 2018-05-01
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: MORTGAGE CAPITAL ASSOCIATES, INC. (TX)

Our mortgage company, Mortgage Capital Associates, delayed closing on our home loan due to negligence and sheer ineptitude. My wife and I were scheduled to close Monday, XX/XX/XXXX. We had an appointment scheduled for XXXX and our loan officer and her manager were not ready to close what-so-ever and had not correctly prepared Closing Documents by the date required to close. This delay caused loss of income to my wife and I, since we were unable to report to work. They rescheduled to close early in the morning, XX/XX/XXXX. However, Mortgage Capital Associates had still failed to furnish documents to our title company due to, once again, sheer negligence and ineptitude. Serious delays to our closing cost our family time and money. Mortgage Capital Associates has no business furnishing capital to anyone. They are unprofessional, incapable, and most importantly, in breech of contract. I would like to advise the Consumer Finance Protection Bureau, as well as the general public, of their unfair business practices regarding my mortgage.
Consumer complaint received 2018-05-01
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

In XX/XX/2011 I applied for a XXXX loan online in order to pay off a bill that was about to go into collections the next day. I filled out the necessary information and got a call saying I was approved and needed to send in a voided check to process the loan. I asked about paying off early and was assured that this would not be a problem. They told me if I did not pay on time I would be charged every two weeks XXXX dollars until the debt was paid. I paid off my bill and three days later paid the loan off early online. I didn't think anything of it until I noticed my bank account was lower than it should have been. I tried calling the number they called me on and it was disconnected. I tried calling the number the bank provided and no answer ( I called at least 10 times that day ). They wound up taking XXXX dollars from me before I was able to switch accounts. Now 7 years later they have turned this over to a debt collection agency that is the fifth one or so that has tried to collect. Every time I explain the situation to them I get a cease and desist on my account which goes well for about a year before it goes to another agency. This last one actually provided me details and amount as well as what I suppossedely currently owe ( XXXX now ). I'm tired of this and just want it to stop. In my XXXX and still trying to save more than XXXX bucks a week
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Uplift, Inc (MD)

I have had an account paid IN FULL with Uplift since XX/XX/2019. It is STILL REPORTING I have a balance of {$760.00}! I have called on sveeral occasions and they told me it's been updated and I can send a dispute if it's not accurate but yet they STILL ARE REPORTING IT WRONG! I want the account removed from my credit report for the egregious error.