davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
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: CAPITAL ONE FINANCIAL CORPORATION (GA)

I am a long standing customer with Capital One. I contacted them and ONLY upon agreement to have them delete the charge-off from my report, that I paid the balance offered by them. In addition, I was also given additional credit in an amount higher than my balance after I paid the Charge-off that was already written off and tax credit granted. I would not have agreed to pay off any balance, knowing that they already received their tax credit, nor accepted another line of credit, if the agreement to remove the negative reporting off my report was not put in place first.
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (LA)

Debt is not mine debt, it was sold to Portfolio Recovery Associates LLC and without any notification it has been reported to all three credit bureaus since X/2016. There is no legally binding contract with my signature between this company and my self. Even after several request for this information I still have not received it and they continue to report false damaging information to the credit bureaus.
Consumer complaint received 2017-06-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK (WI)

XX/XX/2017 XXXX-XXXX  XXXXUSD A guy who declared as a XXXX staff attacked my computer, made it blocked and cheated me to give him my XXXX  card information so that he can purchase and install a security software for me. <P/>The phone number in the attached .txt is reachable and a company called them " XXXX '' but called " XXXX  '' by others would answer this phone. Also, it seems that a bunch of fraud companies are using this number : XXXX. They are all XXXX people
Consumer complaint received 2016-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (MD)

midwest recovery systems placed a collection account on my credit report. Thing is my credit report is free of any outstanding accounts. For about three years. No prior communication and I do n't recognize original debtor. This account is fraudulent or trying to collect on an account that was already settled. This account needs to be removed from all credit bureaus it reported to. I do not owe anyone.
Consumer complaint received 2017-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX ... To Whom It May Concern : I have been paying for the 2 credit cards with XXXX. It has come to my attention from the credit bureau that the credit reporting for the 2 accounts is not proper. 1. There has not been any reporting on the credit card to the credit bureau from the time XX/XX/XXXX to XX/XX/XXXX. 2. There has been late payments reported on both the credit cards but the fact that there was automatic payments scheduled. I was even charged late payment fees on the credit card. 3. This is negatively reporting on my credit report and it is causing problem in getting a home loan for me and my family with XXXX kids. 4. I have always been diligently paying my bills and did report to XXXX about the incorrect reporting and no reporting but there has been no action taken so far. Please delete the negative entries of late payments from all the credit bureaus.
Consumer complaint received 2017-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX ... To Whom It May Concern : I have been paying for the 2 credit cards with XXXX. It has come to my attention from the credit bureau that the credit reporting for the 2 accounts is not proper. 1. There has not been any reporting on the credit card to the credit bureau from the time XX/XX/XXXX to XX/XX/XXXX. 2. There has been late payments reported on both the credit cards but the fact that there was automatic payments scheduled. I was even charged late payment fees on the credit card. 3. This is negatively reporting on my credit report and it is causing problem in getting a home loan for me and my family with XXXX kids. 4. I have always been diligently paying my bills and did report to XXXX about the incorrect reporting and no reporting but there has been no action taken so far. Please delete the negative entries of late payments from all the credit bureaus.
Consumer complaint received 2017-06-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (FL)

Fair Collections & Outsourcing , Inc. is reporting a debt to XXXX and other credit reporting companies that is false. They claim I owe rent to XXXX XXXX for renting a apartment from XXXX in XXXX XXXX Iowa. I did rent an apartment for a year lease from XX/XX/XXXX thru XX/XX/XXXX. I was transferred a few months later and worked with XXXX XXXX to sublease the apartment. I paid rent thru XX/XX/XXXX. The apartment was sublet XX/XX/XXXX for the remainder of the lease. When checking out I was told I owe no further monies because the apartment was sub-let. XXXX XXXX now claims I owe them a sum of money. They never contacted me. XXXX XXXX must have sold the supposed debt to Fair Collections & Outsourcing , Inc. Who has reported this to XXXX and other credit reporting companies. I 've called the corporate head quarters of XXXX XXXX to be told I have to work with Fair Collection. I 've made several attempts with Fair Collection to clear up the misunderstanding including sending them the attached Resident ledger and they refuse to remove the bogus claim. FCO address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX.
Consumer complaint received 2017-06-22
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TD BANK US HOLDING COMPANY (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX TD BANK XXXX TARGETCREDIT XXXX XXXX XXXX XXXX MN XXXX PHONE : XXXX ACCOUNT NUMBER : XXXX ...
To Whom It May Concern : I have contacted the debit card department and they confirmed that the account was closed and does not have any balance. This is reporting negatively on my credit report as Paid in Settlement {$39.00} written off. There was fraudulent transaction and it was disputed and I have paid the full balance. The representative over the phone clearly mentioned that there is no balance and this company still reports incorrect information on my credit report. This is hurting my credit score and my ability to get a home mortgage for my family with XXXX kids. Please delete this information from my credit report immediately.
Consumer complaint received 2016-06-22
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Midwest Recovery Systems (TX)

recieved call on XXXX/XXXX/16 from MIDWEST RECOVERY SYSTEMS telling me that the local district attorney office had a warrant for my arrest and would be arrested and sent to jail today for a pay day loan check that is 11 years old.of course no one came and was only a scare tactic. the DA told me they dont take payday loan cases by texas law.
Consumer complaint received 2017-06-22
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. (ND)

I am a victim of identity theft and have been a victim of identity theft for well over 11 years. I have an unauthorized and fraudulent account listed on my XXXX XXXX, Equifax and XXXX credit report that 's fraudulent. The following account is fraudulent : XXXX XXXX XXXX account : XXXX. Please permanently delete this fraudulent account from my credit report.
Consumer complaint received 2016-04-20
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (IL)

The following company listed below is calling and threatening to file suit on a debt that is not owed. They claim they are collecting on behalf of HSBC and are attorneys, when they clearly are not a law firm. They use threatening language and clime they do not need to abide by the FDCPA. Clearly, serious action must be taken against this firm. 

XXXX XXXX XXXX XXXX, XXXX AKA XXXX AKA XXXX 
Posted in : XXXX XXXX XXXX Web site lists the address in Florida : XXXX This place is also using the same address : XXXX XXXX gives them a D+ with XXXX complaint : XXXX XXXX is not registered with the Florida Dept. of Financial Regulation as a collection agency which means they are illegally operating as a debt collector. 
XXXX. XXXX says they are only in business since XXXX XXXX, XXXX which means they have been trying to steal money right from the start : XXXX XXXX XXXX XXXX, XXXX Filing Information Document NumberXXXX XXXX/XXXX XXXXE Date XXXX Effective XXXX StateFL StatusACTIVE Last EventXXXX XXXX Event Date XXXX Event Effective DateNONE Principal Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Mailing Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Changed : XXXX/XXXX/XXXX Registered Agent Name & Address XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, FL XXXX Authorized Person ( s ) Detail Name & Address Title XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Here is the XXXX info for their web site : XXXX XXXX XXXX Updated XXXX second ago - Refresh Domain Name : XXXX XXXX : XXXX 
Sponsoring Registrar XXXX ID : XXXX XXXX Server : XXXX Referral URL : XXXX : XXXX Name Server : XXXX Name Server : XXXX Status : clientTransferProhibited XXXX Updated Date : XXXX Creation Date : XXXX Expiration Date : XXXX medicalinvestigations.com registrar XXXX Updated XXXX second ago Domain Name : XXXX Registry Domain ID : XXXX Registrar XXXX Server : XXXX XXXX URL XXXX Updated Date : XXXX Creation Date : XXXX Registrar Registration Expiration Date : XXXX Registrar : XXXX 
XXXX XXXX ID : XXXX XXXX Contact Phone : XXXX Reseller : Domain Status : clientTransferProhibited XXXX # clientTransferProhibited Registry Registrant ID : Registrant Name : XXXX 
XXXX XXXX : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX : XXXX : XXXX XXXX XXXX : PA XXXX XXXX XXXX : XXXX Registrant Country : US Registrant Phone : XXXX Registrant Phone Ext : Registrant Fax : XXXX Registrant Fax Ext : Registrant Email XXXXXXXXXXXX Registry Admin ID : Admin Name : Support, Technical Admin Organization : XXXX
Consumer complaint received 2017-01-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

This morning XX/XX/2017 I talk to XXXX, Asst Vice Pres of Huntington National Bank in regards to a complaint I filed with CFPB ( # XXXX ) she threaten to close my debit account for complaining about the 2 bank tellers violating my FERPA, confidentiality of my personal information, and doing an unauthorized credit check and closing out my Amex card. After complaining about the 2 bank tellers, one of the tellers is not at that branch and the other teller is being supervised by new and different personnel from other Huntington National Bank branches. She also suggested I not bank at that branch and that I need to go another branch. I should not be threaten in that matter by a bank employee for matters that are being done against me that are illegal. This matter needs to be investigated.
Consumer complaint received 2017-06-22
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. (FL)

On XXXX XXXX, 2017 I sent a letter to XXXX XXXX XXXX requesting validation of a debt they said I owed them in the amount of {$1300.00}. The original creditor was XXXX XXXX XXXX XXXX replied back to my request on XXXX XXXX, 2017 and stated that this was a business loan secured by me with a personal guarantee and this was why the could put it on my personal credit. When I asked for the personal guarantee that I supposedly signed they could not produce it. XXXX XXXX went as far to say they were not a 3rd party collection agency and that the FDCPA rules did not apply to them. I could n't get anywhere with XXXX XXXX, so I decided to contact XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX XXXX/XXXX/2017, XXXX/XXXX/2017, XXXX/XXXX/2017 and Experian XXXX/XXXX/2017 to help me resolve this issue with XXXX XXXX. All XXXX bureaus gave me the run around and all I wanted was an honest investigation.
Consumer complaint received 2017-01-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (WA)

I received a letter from Convergent Outsourcing Inc. trying to collect a debt from XXXX XXXX XXXX that is time barred by the statute of limitations. The letter is dated XX/XX/XXXX for utility bill debt from XX/XX/XXXX.
Consumer complaint received 2017-06-22
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: National Credit Systems,Inc. (AZ)

National Credit Systems is showing up as a XXXX collection account on my XXXX Credit Report. It was showing on all three of my credit reports but XXXX and XXXX deleted the incorrect information from my reports but this continues to show on my XXXX report. I have disputed this over and over and given all of the information that I have gotten which is not very much. I called National Credit Systems on XX/XX/XXXXat about XXXX while waiting for a doctors appointment spoke to a few people. ended up speaking to Mr. XXXX. He looked every way that he could in his system under my and my wifes social security numbers. He said you are not in our system. Which makes sense because we dont owe any money. We called National Credit Systems again on XX/XX/XXXXand recorded the phone call. They looked up our social security numbers and said you are not in our systems if either of you had ever owed us money you would show up in our system. There is nothing that we can do for you. We disputed with XXXX and they say verified then the next time the added a statement. that is not acceptable. The original creditor listed on the XXXX report is XXXX XXXX in XXXX OH. We did live in those apartments but our lease ended on XX/XX/XXXX. We did not owe them any money when we moved out. In fact they returned our deposit to us. When we called them they said that the company was sold in XXXX and they have no prior records. We applied to get an apartment they told us no because this was on my credit report. National Credit Systems says I dont owe and there is nothing in their system but somehow this was reported to the CRAs. XXXX says verified. We have been fighting to have this incorrect information deleted for over 6 months with no help from National Credit Systems or XXXX. National Credit Systems says they cant help me but from what XXXX Says they reported and verified the collection debt. We have put earnest money down on a house and are scheduled for an appointment with our Mortgage Lender on Friday XX/XX/XXXX at XXXX. And this will affect our getting mortgage and the kind of rates we are offered.
Consumer complaint received 2017-01-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Audit & Adjustment Co. Inc. (LA)

Do not owe audit and ADJUSTMENT a penny. Never signed a contact with them, Dont know who they are. They listed a derogatory remark on my bureau and also listed it as medical which is againt HiPAA regulations.
Consumer complaint received 2017-06-22
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. (IL)

This is a formal consumer to business ( s ) complaint ; the root of this complaint is due billing/ collection and refusal to remove/update invalid information. I have been trying to work with credit reporting agencies since XXXX XXXX with no success or cooperation ; I have requested/demanded verification/ validation of debt/collection directly to below mentioned companies and all credit reporting agencies. Desired resolution is to correct/delete accounts/information expressed in this complaint from all credit reports. I do not have a signed contract, a contract, have never done business with nor am I liable/ responsible for these debts with the mentioned companies. I have phone, emailed, faxed, and mailed in written request/demands to have following information removed from Transunion, XXXX, and XXXX with no success. They have refused to update information. Accounts to be removed : XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, US Bankruptcy Chapter XXXX, XXXX XXXX XXXX  XXXX, XXXX.
Consumer complaint received 2016-12-26
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION (MO)

Indymac did not provide a truth in lending statement showing the {>= $1,000,000} I will pay for the {$200000.00} they refinanced. 
I have however paid {$270000.00} in principal payments, all interest due and all taxes and insurance due since 2004. I guess the other {$77000.00} paid onewest bank for the money they had to pay IndyMac federal for my loan.
Consumer complaint received 2016-06-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (GA)

This account is listed twice on my profile XXXX XXXX This account has been paid and the incorrect information is listed on profile and no data has been sent to support this debt. I request this be removed ASAP. Here is the second account XXXX XXXX. Also, it has been over 60 days requesting this removal. 

Thank you
Consumer complaint received 2016-06-22
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (NC)

Received a letter, dated XXXX XXXX, 2016 from ARA , Inc. ( collection agency ), XXXX. XXXX XXXX, XXXX XXXX, IL XXXX ( no XXXX XXXX addressed provided, indicating they had obtained and now is the legal owner of my XXXX XXXX account, Acct # XXXX amounting to {$1400.00}, which is now due in full. If I do not submit the indicated monies within 30 days, their office will obtain a copy of the judgement and mail a copy of this verification. They stated that the debt and any applicable interest and/or fees have been fully transferred to their office ( transferred from where? ). I have no indication of why they would be threatening to sue because there is no indication in my credit file of this debt. The only gas card I had with XXXX was 15-20 years ago or longer and I believe it was paid off ( if not, definitely not what they are indicating ). After receiving this threat, I researched this company and found out that it is indicated to be a scam that is run by scammers. It has a history of making threats, harassment, intimidation, and bullying consumers. I desire to have no phone contact with this company, only written if indicated because I do not need the frustration and anxiety, having to take care of my military XXXX husband and health issues of my own. The FTC, FBI, and the Justice Department needs to investigate this company to stop them from pursuing apparently old out of SOL debts. It apparently buys debts for pennies on the dollar and illegally makes a large profit. I would appreciate any help that you may provide in solving this issue, as it have been a hardship and much aggravation in my already stressful life. I do not owe this money and I am also filing complaints with the Attorney General of North Carolina and Attorney General of Illinois.
Consumer complaint received 2016-08-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NV)

In XX/XX/2016 I pulled my credit report to find XXXX hard credit inquiries on my credit report that did not belong there. A certified letter to all XXXX credit agencies was sent requesting the removal of the inaccurate information on my credit report. The XXXX letter was the same as the XXXX letter. They stated that they will not remove these inquiries and that I needed to contact each individual company and have them remove it. Per the FCRA statutes, the only permissible purpose for pulling someone 's credit report is a firm offer of credit, insurance, employment, or a court order. None of these things apply to me. The request to remove inquiries was sent to all XXXX CB 's twice and the same response was given