davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-05-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC (CA)

I canceled service with XXXX XXXX XXXX XXXX in XXXX in XXXX XXXX  XXXX due to relocating to XXXX. The outstanding equipment was dropped off at the XXXX store on XX/XX/XXXX via tracking number XXXX and was confirmed as received by XXXX in early XXXX. I believed the account to be settled and closed and received no further mail from XXXX regarding a past-due amount. A collection account appeared on my credit report in early XXXX from collection agency XXXX XXXX XXXX XXXX XXXX for an outstanding balance from XXXX. I checked the XXXX account and found the equipment had been credited, then re-charged during a billing period of XX/XX/XXXX, XXXX XX/XX/XXXX ( when the account was no longer active ). I found it strange that the collection account was reported before the end of this billing period. I disputed with the credit bureau and the reporting disappeared. In XX/XX/XXXX, the collection appeared again on my credit report. I contacted XXXX directly requesting an explanation and providing the tracking information for the returned equipment. The representative confirmed the equipment was returned and credited and there was no further balance due on the account. The collection account fell off again until XX/XX/XXXX. In early XX/XX/XXXX, XXXX sent an automated email that they have transferred the account to Radius Global Solutions, LLC to collect the alleged debt. This is the second collection agency they have transferred this erroneous debt, after confirming the equipment was received and there was no further balance owed on the account on their end.
Consumer complaint received 2016-05-27
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Performant Financial Corporation (MN)

I received a call from Performant ( phone number XXXX ) on my cell phone at XXXX on XXXX/XXXX/16. He requested I provide personal information, at which point I said I do not give out personal information to someone I do n't know. He listed off my address which I verified, and then he requested my date of birth, to which I again replied that I do not give out my personal info to someone I do not know. I then stated that if there is personal business they have with me, to mail me some documentation and I would respond accordingly. He said " OK Have a great day '' and hung up. 

9 minutes later, I was forwarded a call on my business phone from a coworker from the same exact person. He once again asked for me, at which point I interrupted him and told him that we had just spoken and that he needed to mail me some documentation before I would give out any personal information. I also told him that if I receive any more calls prior to receiving documentation, I would be getting my attorney involved. 

I have no idea what kind of debt they are trying to collect on. I was n't even mad after the first call. What I became upset about is the fact that I informed the gentleman that I needed documentation before I could respond to anything, and less than 10 minutes later, the SAME PERSON is calling again on a different phone number. That, to me, constitutes as harassment. And considering I have no idea what this company is trying to collect, it is very upsetting that they would not honor a simple request of sending me something in the mail.
Consumer complaint received 2023-05-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My bank froze my checking and savings account and with no explanation. I can not access my funds in my checking account at all, which I survive on. I tried calling them but they never let me speak to a representative and tells me to leave a voicemail with my information and they might called me back if needed. I dont know why they said they " might '' call me back because this is an important situation that is impacting my life directly. I called them a few weeks ago to help open a checking account and was able to speak to a representative easily. Matter of fact I spoke to more than one in the short amount of time I tried to find one. I have called countless times, to which it prompts me to the automoated message of a woman who tells me to leave a voicemail. I am barely surviving right now with the funds from my XXXX where I get my paycheck from work.
Consumer complaint received 2023-05-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (AZ)

The dilemma is they have XXXX accounts in regards to my XXXX sons who were never seen, treated or admitted to any medical facility ever since birth. Both accounts are for {$900.00} each dated XX/XX/ for a total of {$1800.00}. I have contacted and disputed this collection before.
Consumer complaint received 2023-05-15
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: EQUIFAX, INC. (MO)

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Portfolio Recovery Continually Calls My XXXX Year Old Mother 's Home Phone And Cell Phone To Try To Collect Debts Relating To Her Daughter. Called Her Cell Phone Today From XXXX. They Have Called From Numerous Numbers From XXXX And XXXX And Others.
Consumer complaint received 2016-04-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (FL)

We have been requesting since XXXX 2016 a total account of the money paid for mortgage and also in our escrow account. We have sent a certified letter to Wells Fargo and they stated we had to go to their lawyer because we are appealing a summary judgement to keep our home. The lawyers after sending them a certified letter they stated we needed to request the information from Wells Fargo. It appears no one wants to give us an account of our money which is our legal right.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

The credit bureaus stated my account was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate and the date last reported is not accurate. This is grounds for removal because they also violated my rights under : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation.
Consumer complaint received 2023-12-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc. (TX)

My student loans used to be serviced by Nelnet. In XXXX of XXXX, I was informed the loans would be transferred to XXXX. And indeed they were transferred and my Nelnet account shows a balance of {$0.00} and a payment in full on XX/XX/2023. Since this time, XXXX has been servicing my loans with no issue. 

However, Nelnet continues to report all of loans to XXXX credit report. I have disputed the issue twice with Nelnet and twice to XXXX. As a result, my credit report shows a nearly double student loan balance ( because XXXX rightfully reports their balance but Nelnet continues to report a balance owed on all of the loans despite the transfer, full payment, XXXX balance ).
Consumer complaint received 2023-05-12
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. (IL)

I sent in my dispute letters on XX/XX/2023 I haven't receive no response i sent in my SSC and ID I have unverified inquiries on my report that is hurting my credibility to get more credit Im asking can you please fix the problems on my credit report i will like for it all to be deleted.
Consumer complaint received 2023-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: World Acceptance Corporation (MO)

World Finance Is Reporting Duplicate Acct on My XXXX report i disputed mutli times and they will not remove it here is the company response Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response VIA CFPB PORTAL XX/XX/XXXX Re : World Acceptance Corporation of XXXX ( World ) Consumer : XXXX XXXX XXXX CFPB ID : XXXX Dear Sir or Madam : This letter is in response to the above-referenced complaint filed with your office on XX/XX/XXXX. XXXX XXXX obtained his account from Worlds Branch XXXX in XXXX, MO on XX/XX/XXXX, in the amount of {$310.00} and agreed to repay it in ( 6 ) monthly installments of {$52.00} beginning XX/XX/XXXX. The account was assigned as account number XXXX. No payments were received on the account, and it was charged off on XX/XX/XXXX. The account was then internally transferred to XXXX XXXX in XXXX XXXX, MO on XX/XX/XXXX, and assigned account number XXXX. On XX/XX/XXXX, World sold the account to XXXX XXXX XXXX, XXXX. XXXX XXXX was notified of this sale and the contact information for all future communications regarding the account. XXXX XXXX indicated in his complaint that the XXXX account is not reflecting his bankruptcy. The only case for a XXXX XXXX bankruptcy under XXXX XXXX name and social security number is in the XXXX XXXX XXXX Missouri, Petition # : XXXX with a date of file being XX/XX/XXXX. World can find no evidence that XXXX XXXX was under bankruptcy protection during the time World owned his account. Unfortunately, World can only furnish XXXX XXXX account information to the credit reporting agencies up to and including the date when the loan was sold. Any transactions or obligations under state or federal law that allow for protection under bankruptcy after the date of sale need to be addressed with the purchaser of the account. As World is no longer the owner of the account, all communications regarding this account should be directed to : Customer Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX Sincerely, World Acceptance Corporation Compliance Department ATTACHMENTS 5_CFPB Response XXXX XXXX ( XXXXXXXX XXXX )
Consumer complaint received 2015-08-20
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Legal Recovery Law Offices, Inc (CA)

Regarding practices of Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX collected numerous debts on behalf of XXXX XXXX credit card against XXXX XXXX XXXX. XXXX XXXX is on social security and had only the social security payments as assets in her account. He garnished ( against government rulings ) her account in excess of {$3000.00} leaving her destitute, and at the same time put a hold on her safety deposit box. Upon being contacted by the FTC, the bank quickly reimbursed her the funds, but this was wall after she had to borrow money to make up her monthly stipend. Attorney XXXX stated in his answer to FTC that he would remove the hold on the safety deposit box. This has not been done to date and he is holding not only her belongings, but those of her daughter and grandson. He needs to follow up on his word and take the hold off of the safety deposit box immediately. He is an unethical attorney who preys on the most vulnerable and he should be sanctioned for his tactics. His company is called Legal Recovery XXXX and is located in XXXX XXXX. After a year has passed with nothing done to release the safety deposit box, I am refiling this complaint.
Consumer complaint received 2023-05-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P. (IA)

I have submitted multiple disputes with XXXX regarding inaccurate credit reporting from Resurgent/LVNV, with documentation showing that the reporting is inaccurate, however they have repeatedly validated the debt and refused to correct the reporting. This conduct is in violation of the FCRA as XXXX shares a duty to ensure the accuracy of the information reported to it by the creditor.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

Subject : Dispute of Inaccurate Information Under 15 U.S.C. 1681e ( b ) I am writing to dispute the accuracy of certain information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they provide. I believe that EXPERIAN XXXX XXXX has failed to uphold this standard regarding the following items on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX - Status showing AccountCharged Off. 
XXXXXXXX XXXX XXXX - Status showing Open. 


The information listed above is inaccurate and negatively impacts my creditworthiness. I am requesting that you conduct a reasonable investigation of these disputes, correct or delete the inaccurate information, and provide me with an updated copy of my credit report once the changes have been made. 

I expect a response within the XXXX period as required by law. If these inaccuracies are not removed, I will consider all available remedies to enforce my rights under the FCRA. 

Thank you for your prompt attention to this matter.
Consumer complaint received 2024-10-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (IL)

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX, under the account number XXXX, and an credit card account opened at XXXX on XX/XX/XXXX and a Credit account opened on XX/XX/XXXX at XXXX Bank accounts number XXXX and a XXXXXXXX XXXX XXXX account opened on XX/XX/XXXX account number XXXX and a collections account opened aXXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent tems. I do not recognize the aforementioned accounts, collections, or hard inquiries as a rogue credit report maintained by you were not opened, made, or injared by mo. Al of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and a copy of FTC identity Theft Criminal Complaint # ( XXXX number as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries closed accounts are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ), that the XXXX credit XXXX XXXX XXXX XXXX of the accounts, collections, and hard inquiries and closed accounts identified in this CFPB complaint from my consumer credit file within XXXX business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX
Consumer complaint received 2023-05-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Consumer complaint received 2023-05-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

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 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

I am disputing this account due to inaccuracies in its reporting. This account is classified as a collection/charge-off, yet it shows a past due amount on my credit profile. Additionally, XXXX XXXX has reported to the IRS that they received a tax break for this account, but I have not received a 1099-C, which raises concerns about false reporting.

Its not permissible for an account to be both a collection and a charge-off simultaneously. Furthermore, it is illegal for a closed account to continue reflecting a charge-off status. My accounts have been showing charge-off status for the past five years, which is also unlawful. 

Please remove these inaccurately reported accounts : XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX as well as Experian XXXX. Thank you for your attention to this matter.
Consumer complaint received 2023-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (TN)

XXXX and XXXX XXXX  have refused to provide me with a usable letter of XXXX  balance after I paid off my debt in full.

They say it may take up to 45 days - but can't be sure- it may take longer. 
They said I would just need to call back. 

The money has left my account- I've paid them. I see to reason why they can't provide me with the proof I need to show that I've paid my debt and can then fix my credit report.
Consumer complaint received 2024-10-15
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: Experian Information Solutions Inc. (FL)

in XXXX XXXX ended their contract agreement with the banking institution that held the credit accounts for customers. With the end of this relationship XXXX created another account for consumers ( Advantage is the old XXXX and XXXX is the new XXXX ) without the proper explanation. I called several times to question why I received late payment calls from them. It was not until XXXX or XXXX of XXXX, after paying both account balances under the New XXXX XXXX account, a customer service agent realized the issue and stated " you have to pay the old account and the new account. '' My question to the XXXX manager was, why wasnt the old account just moved over to XXXX for supervision ( new bank ). I called XXXX today to discuss the late payments XXXX, XXXX and XX/XX/XXXX. The customer service looked at the account and was able to see the complaints I called with and also noted that late fees were refunded but they " we do not offer relief to remove the late reporting comments that are incorrect ''. Furthermore, I was directed to submit a complaint to Consumer Finanace to correct the remarks. I am in disbelief after hearing the response. These XXXX late remarks that were understood by XXXX to be the result of their lack in follow through and setting up the best outcome for consumers. There are people who turn to XXXX to build or rebuild their credit but they do not respect the trust consumers have in them. XXXX is no more than another way to loan shark consumers, getting them caught in a never ending cycle of debt. I am requesting the assistance to remove these remarks from all of the reporting agencies. 
Thank you.