davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TX)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Regardless of the multiple written requests, the LVNV FUNDING ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX  ) still reporting on my credit report in violation of Federal Law. The XXXX and XXXX Credit Bureaus are failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please re-investigate most especially the status information on this account. Otherwise, delete this collection account instantly.
Consumer complaint received 2021-11-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY (OR)

On XX/XX/2021 I had an unathorized charge in the amount of {$1400.00}. I contacted Nordstrom after I saw on my monthly credit card statement. I explained to Nordstrom I didnt buy anything on that date and didnt authorize any charges. Over the phone Nordstrom explanation was Nordstrom did the charge because we credit you in error. I asked them why I was never informed that Nordstrom decided to do charges on my account without my approval. I faxed to them the Nordstrom Credit card dispute resolution Form on XX/XX/2021. No written response from Nordstrom. I contacted them multiple times but was transferred from one department to next. The Nordstrom started to charge me the interest rate for the amount as of XX/XX/2021.
Consumer complaint received 2021-11-06
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: WELLS FARGO & COMPANY (GA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX and XXXX credit report. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Penn Credit Corporation (OR)

Sir or Madam, Today from my XXXX account PENN CREDIT CORPORATIO has flagged your account as Collections on XX/XX/2021 I assume they have also contacted the other 2 credit bureaus, which adversely affect my credit. This action is over a debt which is 3.5 + years old which I have I NEVER received a bill for, not one. I have tried to work with the collection company to Identify if this is my bill. I have assured them that I will pay the bill expeditiously ; if we identify it as my debt. They respond with form letters and emails that say not to respond. They did commit to ask for a copy of the original bill and any subsequent payments received below : From : XXXX, XXXX EMAIL Dated : Tue, XX/XX/2021 at XXXX AM Subject : RE : ID # XXXX To : ME The dispute was sent as of XX/XX/2021. Please allow approximately 30 days for response. If you havent received the response within the 30-day period, please contact Penn Credit Corporation XXXX XXXX or email us directly at XXXX. 
Its now been over 60 days and they have flagged your account as collections with the credit bureaus ( s ), Yet they have not provided me the proof it was my bill [ promised above ] and now they are actively pursuing collection of a dispute charge. 
I have attached my XX/XX/2021 which restates my willingness to pay and what I need to do that along with screen shot from my XXXX account page.
Consumer complaint received 2021-11-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (TX)

On XX/XX/XXXX, I submitted a complaint in regards to Midland Fundings failure to properly validate an alleged debt of {$380.00}. Previously I sent certified mail letter seeking answers about this alleged debt and they claim to have validated dated XX/XX/XXXXas dated on the response. In response, Midland violated my rights as a federally protected consumer. They are in violation of 15 USC 1692 B ( 5 ) which states that they shall not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. They are also in violation of 15 USC 1692 B ( 2 ) which states that any debt collector not state that such consumer owes any debt.

Again through responding to a previous complaint, they have again failed to prove that this alleged debt is mine. Midland has again violated my rights as a federally protected consumer. They stated that this alleged debt that they confirmed by the seller on XXXX XXXX with the last four ssn of XXXX is indeed valid. How? Who did you interview? What person did you speak with? Pursuant to 15 USC 1681 A ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. And may I remind you that none of this information can be factual. I have never consented to any contract with Midland nor did I give them permission to breach my privacy. Midland has violated a number of my rights in which each violation can result in {$1000.00} per. I am a natural consumer. This alleged debt must be deleted due to no adequate proof and the violation of my rights.
Consumer complaint received 2021-11-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (WI)

I'VE WRITTEN AND CALLED ALL THREE MAJOR CREDIT BUREAUS ABOUT THE INCORRCT PERSONAL INFORMATION ON MY CREDIT REPORT AND HAVE YET TO RECIEVE ANY REPONSE OR SEE CHANGES
Consumer complaint received 2024-08-24
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: EQUIFAX, INC. (FL)

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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 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 2021-11-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL (CA)

On XX/XX/2021, I did purchase a product computer for the amount of {$79.00} after the transaction got effect bill come to {$110.00}. I claim the extra payment that got charged to my credit card but it was denied by Paypal on XX/XX/2021. 
Also, I claim that the package I have never received Paypal provide to me the tracking number XXXX and that confirm the package was delivered by the Postal office but not to my address and not under my name because the tracking number provided by the Customer/Paypal does not belong to my address and no to my name.

I asked Paypal and my Syncrohnic bank credit card to refund my money and they refuse to do so.

I have stress, a headache, I get sick and I lose days and hours of work trying to solve this problem also the customer service in both banks treated me badly without compassion, respect, and education. the attitude of the customer service people and the lack of consumer protection forced me to close my account. The abuse of this bank and that of Paypal was more there when I closed my bank account they took away the money that I had earned by making purchases on XXXX. It is not fair that honest and credible people go through abusive actions of this institution such as Paypal. Paypal their service is lousy and their customer service workers are rude, the claims and disputes staff are not interested in solving customer problems. That is why I ask for the full weight of the law and a civil reparation for being the intermediary of scams and fraud to clients.
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect (WA)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

AMERICOLLECT XXXX  Balance {$400.00}
Consumer complaint received 2021-11-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (FL)

I have submitted on several occasions the XXXX paperwork to the loan holder Navient, for the XXXX XXXX XXXX XXXX Discharge Deferment due to being on XXXX, and that being my only source of income in the last almost 4 years, that has to support myself and XXXX minor children. 

Navient told me over the phone numerous times, even emailed me what to send them, and I promptly sent them several times everything that they asked for along with the XXXX paperwork. However they are the only company which refuses to relinquish my loan, or explain why, when all other student loans have been removed due to the XXXX paperwork. 

They call me to the point of harassment, and well past business hours to the point I am getting calls after XXXX at night, and even over 20 plus calls a day ever during the time that the President had placed a hold on all student payments. This is becoming more than harassment at this point with them. 

I am hoping that you are able to help point me in a more successful direction, resulting in at the very least gaining the knowledge as to why they refuse to honor the XXXX paperwork that they told me to send them. 

Thank you for your time
Consumer complaint received 2021-11-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (PA)

I have two inquiries from Citi -bank for the same day. I applied for the account, it was opened that day but I have two inquiries from the date even though I only applied once. I called and asked to have this fixed and they told me it would be handled. I then received a letter stating there is nothing that can be done. The date of my application was XX/XX/XXXX and I have 2 inquiries from that date from Citi- bank.

Thank you!
Consumer complaint received 2021-11-06
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: EQUIFAX, INC. (NV)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX
Consumer complaint received 2021-11-06
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 (NC)

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. The 3 Credit Bureaus are reporting inaccurate information on CAPITAL ONE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

After several attempts to get an inaccurate report of a Chapter XXXX Bankruptcy removed from my credit file, in XXXX, I finally provided the correct proof and the only third party agency that was reporting the Bankruptcy was XXXX XXXX and they removed it. I submitted that information to all three credit reporting agencies one of which was TransUnion. I submitted the letter from XXXX XXXX showing that it had been removed, I submitted the letter from the actual Bankruptcy court stating they do not report public information to any credit reporting agencies and TransUnion still provides information only stating that their information has been verified as accurate when I have asked them multiple times to provide me the name of the agency to which they received their verification from. If they were to provide that then I can contact them to have my report corrected and the Chapter XXXX Bankruptcy removed. 
I have provided the letters written to TransUnion asking for validity, the letter from the Bankruptcy court and the letter from XXXX XXXX showing their removal of the inaccuracies as well as XXXX response yet again after I provided them all of this information and they have not removed the inaccuracies nor provided information as to how they verified and with whom. 
Please check dates of all correspondence.
Consumer complaint received 2021-11-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (TN)

CREDIT COLLECTION SERVICES is communicating with me through XXXX, XXXX, and XXXX stating that I owe a debt when I have never done business with their company before. I XXXX XXXX disputes this debt and ALL claims in accordance of 16 CFR 433.2, Tital 15 USC 1692, Regulation Z, Regulations M, and ALL applicable UCC Articles.

Please govern yourself accordingly. If you lack understanding, forward to your ATTORNEY.
Consumer complaint received 2021-11-06
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

I keep getting calls and mail from portfolio recovery for a previous resident that doesn't reside at my address anymore. I've asked them to stop calling my phone they then turned around and called my other phone number yesterday. Today that persons mail from them was in my mailbox. During the first call i was asked if i was the wife of this person? Portfolio recovery is steady harassing me and my residence. I wish they'd stop sending mail here and calling my phone. I don't have no accts with them all of cc 's are current and not in collections.
Consumer complaint received 2021-11-05
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

They have called me every single day including some weekends. Every day multiple different numbers, I block them and they still use other numbers. I've spoken to them about my situation and they told me " we will keep calling everyday until you pay ''. 
They have called me around XXXX even called me around XXXX at night. Every single day I get more than one phone call. I also get mail every week. They only just picked up this debt a couple of months ago. The dead is nearly 2 years old. I've spoken to multiple representatives about my situation and that it's just not something I can do at this time or I would have already. From what I know the companies name is Portfolio Recovery.
Consumer complaint received 2021-11-06
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: EQUIFAX, INC. (NC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by EQUIFAX. Despite sending them the last letter, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ;
Consumer complaint received 2024-08-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

I have late payments showing on my student loan and it is really affecting my credit score because I know that its been extremely hard to afford to pay my student loans and Ive always called to add a forbearance to make sure that doesnt happen and I really need somebody to have that Removed From the reporting agencies, I never a payment I always called to have a forbearance in place.
Consumer complaint received 2021-11-06
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. (NJ)

To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX, XX/XX/XXXX ), ( XXXX XXXX XXXX ) , ( XXXX XXXX XXXX ), ( XXXX XXXX ) , ( XXXX XXXX ), ( XXXX XXXX XXXX ), ( XXXX XXXX XXXX ), ( US SM BUS AMIN XXXX ), ( XXXX ) I did not authorize anyone employed by these companies to inquire and view my credit report . This is a violation of Section 1681b ( c ) of the Fair Credit Reporting Act and a serious violation of my privacy rights. Validate this information with these companies and provide copies of any documentation associated with these accounts that bears my signature, authorizing a consultation. In the absence of such documentation with my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-11-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kinum, Inc., Indianapolis, IN Branch (NC)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

KINUM ( 09 XXXX XXXX XXXX ) account is inaccurately and erroneously reported in XXXX. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/2021, I called JP Morgan Chase and spoke to XXXX XXXX about applying for a mortgage on a condo as a second home. The mortgage was for {$60000.00} for a {$430000.00} condo with a down payment of {$370000.00}. On XX/XX/2021, I received a letter of a Conditional Approval for a {$60000.00}, 15 year fixed loan at 2.875 % with a LTV of 14 %. I was asked to provide additional documents and I submitted all requested documents. On XX/XX/2021. I signed a credit inquiry request. On XX/XX/2021, I received a rate lock letter confirming the loan amount and rate as stated above. On XX/XX/2021, I received another revised loan agreement with all the same information above. The appraisal confirmed the value of the condo. My attorney and the bank 's attorney set the closing date for Friday, XX/XX/XXXX a t XXXX am. All was set to close. On the afternoon of XX/XX/XXXX, XXXX XXXX called to tell me the loan amount was too low and that Chase could not make money on the loan. If I wanted to proceed with the loan, I would need to raise the mortgage amount to {$180000.00} with a 15 year fixed term at 3.25 %. This was on a recorded line. XXXX said that the loan did not meet the NY XXXX XXXX XXXX XXXX. I complained and said I would file a complaint. But I needed the loan and had no choice. I agreed to the {$180000.00} loan. I received the revised Chase closing letter on XX/XX/2021 in the morning. On the afternoon of XX/XX/2021, XXXX XXXX called me to tell me the loan was declined and my loan application was closed. I asked for an explanation and he said he did not have an explanation. I still do not have an explanation. The loan number is XXXX.