davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (NY)

Before I move forward with litigation to Credence XXXX XXXX XXXX. I would like if the debt collection agency to stop harassing me about an old, old account that has been disputed and delete off of my credit report from another collection agency XXXX XXXX. This account was not mine account I have Proof from XXXX XXXX that this creditor could not verify the information or proof so there for it was deleted XX/XX/2019. I have that proof. Few month later Credence reported this same account with the same creditor ( XXXX XXXX ) with out sending me any letter to. inform me. I tried to explain to them that this account has been disputed they still continued to illegally report this. My attorney sent them a letter to validate Proof On XX/XX/2019. They never sent in any proof, however this was deleted from 3 credit bureaus on XX/XX/2019. The statue of limitation of this account as far reached over 7 years. Please stop these illegal acts before under the FCRA. I am forced to proceed litigation against them.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One Neimen Marcus bank provided me a payment deferment since my husband was furloughed and then Reported my payment late.

They corrected late fee and interest payments but never fixed my credit report. They told me I need to dispute it.

My credit report * Capital One/Neimn charge account ( last lateXX/XX/XXXX )
Consumer complaint received 2019-09-02
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Goal Structured Solutions, LLC (NV)

LAUNCH SERVICING LLC is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4400.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (PA)

I've paid my XXXX  XXXX car loan on time for the months of XXXX XX/XX/2020 but im my credit report it shows up as a late payment I have Documentation that it was paid on time.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I have repeatedly sent letters to XXXX, Transunion and XXXX   regarding the incorrect addresses that are reporting on my credit report. It should only be one address reflecting where I currently reside and that address is : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. Please contact these bureaus and tell them to comply with my request, I have sent my utility bill with a letter requesting removal 3 times now and nothing has been done. I also have a collection reporting with all three bureaus from XXXX. I know for a fact this is not my account because of the inaccurate opening date that is being reported on my credit reports. This debt collection company is reporting incorrect information on me of an account that is not mine and I want it removed immediately. 

XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) - XXXX
Consumer complaint received 2019-09-02
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: General Motors Financial Company, Inc. (OH)

I had identity theft and there are a few inquiries that need to come off my reports asap XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX  XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX   XXXX  XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX  XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - Gm Financial XX/XX/XXXX - GM financial
Consumer complaint received 2020-07-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc. (TX)

Someone sent me {$25.00} on XX/XX/XXXX through cashapp. I saw the notification on my phone but did not cash out immediately. When I went back a few days later, the money was not there. When I clicked on the transaction, it said it was waiting on the person to complete the payment. The person who sent it stated that they had taken the money out of her account and that on her end, it said they were waiting for me to accept it. She has spoken with them several times and they keep confirming the amount was sent and that I just need to cash out. However, there is nothing there to cash out. I have contacted them myself and have not gotten a response. Ironically, the transaction has now disappeared from my list of transactions.
Consumer complaint received 2020-07-15
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc. (GA)

Cashapp has received 30 deposits from the government UI office of Ga and will not add the funds to my account On XX/XX/2020 26 deposits were sent On XX/XX/2020 4 deposits were sent Totaling {$9800.00} I have emailed cashapp over 40 times and they keep saying they are working on my issue It has been going on a month and still I dont have my money Please help us We are being evicted from our home and our auto insurance has been canceled because of this Please help us
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (FL)

MY IDENTITY WAS USE TO OBTAIN AUTO LOAN, CREDIT CARDS, BANK ACCOUNTS AND INSURANCE WITHOUT MY KNOWLEDGE SOMEONE USE MY PERSONAL INFORMATION I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRAS. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2020-05-26
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$420.00} XXXX AR XXXX XXXX
Consumer complaint received 2020-05-26
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. (AR)

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2020-05-27
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northwest Collectors Inc. (IL)

DEBT COLLECTION COMPANY IS REPORTING INACCURATE INFORMATION OF A DEBT THAT IS NOT MINE. THEY HAVE NOT RESPONDED WITHIN 30 DAYS WHICH IS A VIOLATION AND HAVE NOT PROVIDED ANY CONTRACT BEARING MY SIGNATURE.
Consumer complaint received 2020-05-26
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. (PA)

To Whom It May Concern : This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting. Specifically, as it relates to unauthorized and fraudulent credit inquiries made by the following companies : 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 I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. XXXX XXXX   Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Consumer complaint received 2019-09-02
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optimum Outcomes, Inc. (NY)

Optimum sent over one of there worker to my home XXXX XXXX  XXXX XXXX XXXX XXXX XXXX by XXXX XXXX this year the bill at the time was XXXX due to me still having their equipments I was told when I return the boxes the bill would drop somewhere to XXXX. Optimum installation was XX/XX/2019
Consumer complaint received 2019-08-22
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: NCB Management Services Inc. (TX)

The Statute of Limitations for this Debt Expired in XX/XX/2019. I have asked NCB Management to stop contacting me but they still continue to contact me on a debt that is no longer owed. 

The company is in violation of the Federal Debt Collection Practices Act, The Texas Debt Collection Act and The Texas Civil Practice & Remedies Code ( Section 16.004 ( a ) ( 3 ) ), which states that the statute of Limitations is 4 years.
Consumer complaint received 2020-05-26
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENTAGON FEDERAL CREDIT UNION (VA)

The backstory as I've been able to find out to date is I was refinanced into a XXXX HELOC from Pentagon Federal Credit Union of {$75000.00} in XXXX. I think this loan was originally for a much smaller amount but I was XXXX on active military service and the loan needed servicing which I was unable to personally take care of. So I ended up setting up an automatic payment HELOC with the objective to fully pay it off when I sold my current home. Approximately 3 years ago Penfed advised me my $ 150 monthly payment was not covering interest so I upped the automatic payment to {$200.00}. About six months ago, PenFed said the interest on the loan was not being covered. I personally tried to do something to get this loan into more manageable status. I am retired from military now but work on landscape jobs and was busy getting ready for my next season of work amid the developing pandemic crisis and look after my aged mother 's safety. So I continued to do the auto payments. 
So now, what happened is I received a computerized payout on Monday, XXXX XXXX advising me the HELOC was due XXXX XXXX for principle and interest of {$51000.00}. I was shocked and surprised as I was trying to continue working. I took time away from my business to call many places at PenFed and have documented the email and phone contacts. It was not a satisfactory process. I am trying to refinance the HELOC and have not yet been able to talk to the right phone contacts. When I personally ended up taking the risk to visit PenFed on Sat, XX/XX/XXXX I was advised their loan dept would be open again after the XXXX XXXX XXXX. Which is where I am now. 
I intend to try to pursue a refi and a mortgage that will include payoff but it's not going to begin to happen by XX/XX/XXXX, less than a week now. This at the least presents an entirely unreasonable way to settle the loan payment which I am responsible for. I can pay more, I have a good credit rating which I've worked diligently to acquire, at XXXX as of XXXX XX/XX/XXXX. However, it looks necessary to start the complaint process to protect my interests from further unreasonable and unnecessary exploitation and stress.
Consumer complaint received 2024-08-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

Equifax Credit Report Agency Reporting a collection, XXXX XXXX XXXX XXXX, a third party collection agency, for XXXX XXXX XXXX. This collection was deleted from Equifax XXXX XX/XX/year> From MyFico credit score company. 

MyFico Score alerted me XX/XX/year> that it is being reported again after it was deleted. 
The amount of debt {$210.00} XXXX. This Debt they are reporting dates back 7 years or older. This is a fraud.
Consumer complaint received 2020-05-26
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. (PA)

XXXX XXXX  XXXX XXXX {$3700.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for
Consumer complaint received 2020-05-27
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV INC. (NY)

The EIP Card issued by Money Network Cardholders Services website does not direct me to " How I can transfer money on the card to my credit union? ". 
The cfpb website doesn't have any information through any of its links to the EIP Card. The one source to help me from a cfpb website for transferring money to a personal account leads me to a NOT FOUND page.
Consumer complaint received 2020-05-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IN)

My credit score has dropped significantly in the last 30 days and all accounts have been paid at 100 %. When contacting the company i.e XXXX  & Experian I received a statement simply stating my score is accurate. I monitor my credit consistently and see no negative information. There is no information noted as to the reason for such a decline in my score.
Consumer complaint received 2020-05-27
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: DISCOVER BANK (CA)

On XX/XX/XXXX I booked a hotel reservation for a hotel called XXXX XXXX in Hawaii for to stay in XXXX, through XXXX, serviced by XXXX. Soon enough, all travels were being cancelled due to response to Covid-19, XXXX shut down it's customer services and had updated their website mentioning all booking may be cancelled. No support services were available ( no phone, email etc ), their website simply had text update to reach out to the hotel directly. Upon confirming with the hotel the reservation was cancelled by the travel vendor. As of XXXX, XXXX XXXX XXXX is no longer functioning. 

I filed a dispute on XX/XX/2020 with Discover Finance a {$910.00} charge by a travel vendor XXXX. The charge was still there, I had no means to directly contact the vendor directly to recover it. Discover Finance at the time was in favor of my dispute. Until my dispute was reversed in favor of the merchant, and the {$910.00} charge was placed back to my account in XXXX. 

The dispute notes from Discover says that the vendor claims I made no attempts to reach out to them to cancel the booking, thus the charge is valid. Discover found this enough to reverse the charge and in my attempt to re-open my dispute they let me know " in order for us to review our options, we will need written documents from the merchant stating that a full refund is due to your credit card ''. I called the support number to attempt to get support on this dispute on XX/XX/XXXX, even though the respondent agreed it should be reversed in my favor, she needed a supervisor to contact me. I was told to wait 48 hours and someone will contact me. I waited two full business days, no one has attempted to contact me.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG MORTGAGE, INC (MO)

Before purchasing the home the city of XXXX XXXX misclassified my property as a commercial building for the year of XXXX. With no warning 1 year after owning the home my payment increased by $ XXXX/month. After speaking with the city my taxes were adjusted to normal rates. My mortgage company took three months to readjust payments and over {$900.00} was over paid to CMG financial. I was told that money would not be returned but placed in my escrow account which would be refunded upon paying off my 30 year mortgage. In order to avoid that and due to hard ship over Covid-19 I applied for Forbearance on my mortgage. My idea was to underpay the miscalculated taxes so as to save the {$900.00} overcharge. I made a partial payment on my mortgage in XX/XX/XXXX to accomplish this. Since my payment has went back to a normal adjusted rate. I was told to apply for a loan modification due to my Covid hardship by CMG. I had to cancel my forbearance in order to do so. On three separate occasions I have given permission over the phone to cancel my forbearance and filled out all necessary documentation for the loan modification. CMG has continuously told me they never received my paper work even after others in different departments have confirmed my submission. I have been told on multiple occasions my forbearance is still in effect, even after canceling 3 times. I submitted my documents by fax, email, and by mail because to fix my tax situation was so grueling of an experience I wanted to ensure they received my paperwork. Every time Im on hold the line drops off. I have spent over a full work week 40 hours waiting on the line to accomplish this loan modification process and tax modification to no avail. I was also told in order to cancel forbearance I have to pay {$1800.00} over my bills this month in order to start my loan modification process and heathers is no guarantee the city of XXXX XXXX will refund me. What are my options? This companies negligence is causing me serious financial hardship and distress. I have no idea where to turn at this point in time.
Consumer complaint received 2020-05-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Amsher Collection Services, Inc. (GA)

I have repeatedly sent letters to XXXX, XXXX  and XXXX  regarding the incorrect addresses that are reporting on my credit report. It should only be one address reflecting where I currently reside and that address is : XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX. Please contact these bureaus and tell them to comply with my request, I have sent my utility bill with a letter requesting removal 3 times now and nothing has been done. I also have a collection reporting with all three bureaus from XXXX. I know for a fact this is not my account because of the inaccurate opening date that is being reported on my credit reports. This debt collection company is reporting incorrect information on me of an account that is not mine and I want it removed immediately. 

AMSHER COLL ( Original Creditor : XXXX XXXX XXXX ) - XXXX