davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-11-17
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NCB Management Services Inc. (LA)

XX/XX/XXXX XXXX and NCB financial have been harassing me about a vehicle I no longer have. This vehicle was stolen and was paid off by my insurance company in XX/XX/XXXX and they are still harassing me for {$4500.00} which Im not paying because I dont owe this debt I no longer have the vehicle ... they are repeatedly reporting this to credit bureaus monthly. Im not paying or liable for something that was stolen from me and paid for by the insurance company.
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

I have written numerous letters since XX/XX/XXXX to the 3 credit reporting agencies ... XXXX, XXXX, & Experian to this date XXXX-17 they have not provided me with the original signed documents that I have  requested to provide me proof all alleged accounts being reported are really mine. I have requested proof in writing that over XXXX hard inquiries that allegedly belong to me, still dont have proof in written original documentation that I signed from any of the 3 CRAs to verify these hard inquiries. I have requested that any unverified/unknown and/outdated accounts be removed from my credit reports ... there are many inaccuracies and unverified accounts on my credit reports that continue to show up on my report ... its been way over 30 days time period to verify unknown accounts or accounts over 7 years old and mail me written original signed documents to proof all accounts to truly belong to me and are being reported correctly in amounts alleged due. All closed accounts have been requested to be removed nothing as of XXXX-17. 
I have informed CRAs that I havent been late with any of my payments ... if so prove to me in written documents the dates late to any accounts ... still nothing & still bringing down my credit score. 
I find it very stressful that my life has to be on hold because of my low credit scores reporting from these three agencies. Due to this inaccurate, unverified reporting on my credit reports I have been denied rentals, credit, loans, & mortgages etc. 
I have spoken with a lawyer in regards to this matter its bought much undue stress into my life. The law states if not provided with written original signed documents in 30 days they have to delete items from report, section 609 states this the CRAs are not following these guidelines.. I have never received verification with my original signature from any of accounts that are on my credit reports its been well over 60 days as of today date.
Consumer complaint received 2017-11-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Capital one bank refuses to reverse nsf fees caused by a company whom I instructed to close my account. The company failed to do so and repeatedly tried to debt my bank. Capital one charged me for every failed attempt over nine times at XXXX $ each. Outrageous! There policy is because I authorized recurring payments. It was ok to bill me. Catch 22 for them to ROB me. 
Even though I opted out of overdraft protection!!! 

Now I ca n't even access my records on line. To challenge them because I get online statements that I ca n't see!!! 

Need help please. I am a disable veteran on fixed income. Ca n't pay bank robbers half my check. Smh XXXX XXXX XXXX retired
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Account Services Group, LLC. (DE)

I previously lived at a residence where I had XXXX XXXX as the electric company. Due to a divorce, I moved out of the residence and moved to another residence. My ex spouse was awarded sole and exclusive of the house that included paying the utility bills. I received notice at my new residence that she did not pay the monthly bill and service was going to be turned off until the balance was paid. I contacted XXXX XXXX, explained to them I was no longer in the property and bills should be going to her ; not me. They would not allow me to take my name off the account due the past due balance. At some point, with my personal information and not any knowledge or authority, my ex contacted XXXX XXXX  to set up billing arrangements. In XX/XX/2019 the house was sold and my ex moved to another property. It was not until I was received the first collection notice did I know she did not pay the final bill when she moved from the property. I disputed this account with the collection company and it was found to be in my favor, that I did not owe the balance so it was removed from my credit. Months later i received a second collection notice from a different collection company for the same unpaid balance in my name. I disputed once again ; I was told the balance was not my problem and that it would be removed. Now a third time from the same second company again ; I am told i owe the balance. I have supported documentation stating I was not living in the property and that she had exclusive use of the home. I also have proof that the collection account was removed from my credit report the first time. I do not feel I should be liable for this balance as one ) is not mine ; two ) XXXX XXXX  would not allow me to remove my name from the account ; three ) XXXX XXXX  allowed use of my account for payment arrangements to someone who falsely used my information ; four ) I was already informed twice that this balance should not be my responsibility
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My wife, XXXX XXXX XXXX, was unable to obtain a copy of her free credit report online through annualcreditreport.com She was then instructed to call in to obtain a copy of her free credit report. As of today she has not received her Transunion credit report
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

Transunion is reporting A tax lien that doesnt belong to me as XXXX2017 and wont remove it, XXXX is reporting XXXX XXXX XXXX as deliquent and XXXX XXXX as collection which are Hippa Law violations as well as child support that are 180 days late and deliquent XXXX And Transunion is reporting Child support Enforcement as of XXXXX2017 as delinquent and 180 days late as well as XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX all as charge offs these accounts are damaging and malicious and effects my ability to get loans and employment
Consumer complaint received 2021-01-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P. (NJ)

I wrote a letter asking for information that I am entitled to and disputing an account they are reporting. I asked them for a list of things, and what they sent hardly fulfilled the request. As per the FDCPA and FCRA I am entitled to certain information a list of what I requested is as follows : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; ( itemized Bill of Particulars ) Provide me with copies of any papers that show I agreed to pay what you say I owe ( original contract ) Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent as you can see with the attached information, they only fulfilled a very small portion of what was asked of them! PLEASE HELP ME!
Consumer complaint received 2021-01-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I have been receiving notices from two debt collectors, XXXX XXXX XX/XX/XXXX ) and then Portfolio Recovery ( XX/XX/XXXX ), about an amount of {$340.00} which I supposedly owe to XXXX for purchases made in XXXX at XXXX, on XXXX XXXX MasterCard XXXX. I do not own that card and I have a different account number with XXXX. I even received a notice from something called XXXX XXXX saying that this account was sold to Portfolio Recovery on XX/XX/XXXX. 
I keep records of all my payments and I know that I have paid off my debts in a timely fashion. I owe nothing, this is the XXXX Statement record ; Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX : I paid XXXX on XX/XX/XXXX Statement date XX/XX/XXXX : total billed XXXX ; I paid XXXX on XX/XX/XXXX This must be a scam.
Consumer complaint received 2017-11-18
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. (CA)

On or about XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX someone with an intercepted copy of my California Driver License was able to pay cash at the Federal Bankruptcy Court Clerk window to file three skeleton chapter XXXX cases without ever listing a single creditor. As I was not aware of the filings I never completed the documentation necessary and each was Dismissed and Closed without any creditors even notified. I was having financial difficulties at the time and would have utilized the filings to fix my status but as they were not filed by me I was unaware. 

I disputed this information with the three major Credit Reporting Agencies who of course violated the FCRA by not validating my concerns with the original credit furnisher but rather a third party not involved with this dispute. I was then recently told by law enforcement to file an affidavit with the Federal Trade Commission as a victim of identity theft during this non sensible event. 

US Bankruptcy Court Sacramento case numbers XXXX, XXXX and XXXX are all completely bogus. No dollar amounts, nobody benefitted and only I have been harmed. I also had a direct conversation with the Clerk of the Court who stated he has never had a Credit Reporting Agency call to validate a case and that his court would never do that with a third party either. Please contact XXXX XXXX at XXXX as the Clerk to verify this info.
Consumer complaint received 2017-11-18
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. (FL)

Company : XXXX Date :XX/XX/XXXX 2016 Amount :  {$480.00} This account was paid and needs to be completely removed off my credit files.
Consumer complaint received 2017-11-18
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JAMES B. NUTTER & COMPANY (ID)

I have paid XX/XX/XXXX 's mortgage but have been unable to pay for XX/XX/XXXX and XX/XX/XXXX does n't look good either. The problem is my credit union ( XXXX ) they charge me {$25.00} each time I am overdrawn which averages about {$250.00} to {$500.00} per month and that is the reason I have been unable to afford the mortgage,
Consumer complaint received 2018-04-23
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc. (FL)

I have disputed with all three credit bureaus. About 2 collections on my credit report for the amount of {$340.00} reported on XX/XX/XXXX. And {$59.00} for XX/XX/XXXX. I have no knowledge of Ar Resources. I do not have a signed contract nor any contract with AR RESOURCE INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCE INC. I am not responsible for this debt with AR RESOURCE INC.
Consumer complaint received 2021-01-22
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: EQUIFAX, INC. (FL)

XXXX First dispute was sent to Equifax about inaccurate information being reported on my account. They responded but with just an automated response and still the information is inaccurately being reported on my account even after my follow up on XX/XX/XXXX and again XX/XX/XXXX XXXX XXXX XXXX Account Number : Date of first delinquency was updated to XX/XX/XXXX but your verification does not show account history with XX/XX/XXXX in fact your report says it has 6 month received but only showing 4 months with XX/XX/XXXX showing 30 days. This account needs to be removed for incomplete and inaccurate reporting. 

XXXX High balance amount was changed from {$420.00} to {$460.00} and not reporting a Charge off amount. How would the High balance now be {$460.00} and not even reporting a charge off amount. Also you have the date of 1st delinquency as XX/XX/XXXX but your payment history only shows XX/XX/XXXX 30 - XX/XX/XXXX 60 - XX/XX/XXXX 90 - XX/XX/XXXX and XX/XX/XXXX 120 days XX/XX/XXXX XXXX and XX/XX/XXXX 150 days. So how do you even get a date of 1st delinquency of XX/XX/XXXX. This account is obviously inaccurate even after your verification and I ask you to please remove the inaccurate account immediately. 

XXXX This account is showing a charge of {$11000.00} with a balance owed of {$11000.00}. How can these amounts be different and in your verification you sent the date of last payment of XX/XX/XXXX shows actual payment of {$0.00} which is also incorrect. This account is incomplete and inaccurate and needs to be removed immediately XXXX This account shows a date of first delinquency of XX/XX/XXXX but also reporting charged off on XX/XX/XXXX and the account history you sent shows it being charged off on XX/XX/XXXX which does not make any sense. This account is clearly inaccurate and needs to be removed immediately. 

XXXX XXXX high balance XXXX This account is unverifiable, you sent a response with account history showing month received 59 and I only see 24 and it starts on XX/XX/XXXX as a charge off. How can I verify this account without seeing the complete history. You show a last payment of XX/XX/XXXX with an actual payment of {$0.00}. Please delete this account and it is incomplete and unverifiable. 

XXXX XXXX High balance XXXX This account is unverifiable, you sent a response with account history showing month received 73 and I only see 24 and it starts on XX/XX/XXXX as a charge off. How can I verify this account without seeing the complete history. You show a last payment of XX/XX/XXXX with an actual payment of {$0.00}. Please delete this account and it is incomplete and unverifiable. 

The automated responses are obviously not correcting the account and have not been properly reviewed
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I opened a secured credit card with Orchard Bank, and deposited {$500.00} in doing so. The account was later consolidated into HSBC and then again into Capital One. I closed the account today and spoke with a representative afterwards to request return of the {$500.00} security deposit. I was told they show the account as unsecured and that the funds should have been returned to me prior. I was then told to call some other number ( turned out to be a voicemail for lady at a small community bank, with no apparent connection ). I am seeking help for the return of my {$500.00} security deposit.
Consumer complaint received 2017-11-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

I am filing this complaint against the following credit reporting companies. Trans Union, XXXX, and XXXX. There are several accounts and credit inquiries reporting on all three credit reports that do not belong to me. This issue has been addressed on several occasions. I am requesting that these accounts be removed immediately or I will take further action against the credit reporting companies. The accounts and credit inquiries listed below are to be removed upon retrieval of this complaint. 

TransUnion Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Account Account Status : Open Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$2700.00} XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$1300.00} Terms : 1 Month High Balance : {$1300.00} Limit : Past Due : {$1300.00} Payment Status : Seriously past due date XXXX  XXXX XXXX XXXX Account Number : XXXX Account Type : Collection Department Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$290.00} Terms : 1 Month High Balance : Limit : Past Due : {$290.00} Payment Status : Seriously past due date Comments : Account in dispute-reported by subscriber XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$5600.00} Terms : 42 Months High Balance : Limit : Past Due : {$5600.00} Payment Status : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Note Loan Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$180.00} Terms : 6 Months High Balance : Limit : Past Due : {$250.00} Payment Status : XXXX XXXX XXXX XXXX Account Number : XXXX Account Type : Auto Loan Account Status : Closed Monthly Payment : Date Opened : XXXX/XXXX/XXXX Balance : {$5900.00} Terms : 29 Months High Balance : {$10000.00} Limit : Past Due : {$5900.00} Payment Status : Charge-off Comments : Account in dispute-reported by subscriber These accounts were not opened by me and are fraudulent. These accounts need to be removed immediately. 

Fraudulent Credit Inquiries : XXXX XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX Auto Reseller XXXX/XXXX/XXXX XXXX XXXX Miscellaneous and public record XXXX/XXXX/XXXX XXXX XXXX Banks and XXXX & XXXX XXXX/XXXX/XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX Auto Financing Companies XXXX/XXXX/XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX XXXX, personal XXXX/XXXX/XXXX XXXX XXXX Banks and XXXX & XXXX XXXX/XXXX/XXXX
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I have sent a mail to Equifax on XX/XX/XXXX, requesting them to update my address information, name and remove a unknown block from my profile. Since I have not seen the change on my report a month after my written request, I called Equifax, today at XXXX and was informed they only received my online request on XX/XX/XXXX, and never received my documents that were mailed on XX/XX/XXXX. I was asked to resend another envelope with all my documents again. The mail was not returned to me even since I sent it, which concerns me since all my sensitive information like SSN, Passport copy, paystub was inside that envelope. I can not agree to resend all my important information to them when my first request was not handled carefully. When I asked about alternatively ways to resolve the issue, they mentioned there was none. I feel I am being wronged and they mishandled my case.
Consumer complaint received 2021-01-22
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: General Motors Financial Company, Inc. (MO)

We received letters dated XX/XX/2020 from GM Financial on XX/XX/2020 indicating that our application for credit was declined. I have attached these letters. I have requested the reasons and backup documentation for this declination five times, beginning with the first letter to them on XX/XX/2020. The last request was in a formal complaint to them on XX/XX/2020. The five contacts I have made attempting to get the required information from GM Financial are outlined in the XX/XX/2020 complaint. I have attached the verbiage of this online complaint. 

I have also attached the postal evidence that GM Financial received my two mailed, hard-copy requests. In addition to these three contacts with GM Financial regarding this matter, I also outlined the problem in a customer service feedback form to them online and spoke with a customer service representative over the phone ( who told me he could give me no further information ). 

In spite of GM Financial 's requirement to provide this information under the FCRA, all five of my requests have gone unanswered.
Consumer complaint received 2019-11-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Michael Harrison, Attorney at Law (NJ)

On XX/XX/XXXX, i was embedded to the ER because of a serious condition and stayed their for 4 days and have over a week in bed to recover. And at that time I have medicate from NY  but went to an ER in NJ and even though my insurance should have paid my bills, i found out that i have a collection from a bill from one of the providers that worked with the hospital, and it went to collection and when i called my insurance explained what happened and asked them why they have not paid the provider, they said that the provider did not give the right consent forms before working on you and also they waited longer than 180 days that they have to submit any ER visit, so i asked can I appeal it and they did and it got approved and they got paid. 
Now the bill i received was XXXX $ but when i got my letter that said they already paid them it showed the bill was XXXX $ but was to the hospital and i still have the bill on my credit report because they havent received the money and when i called the insurance they said that there was no bill that they recited from that provider nor any bills for XXXX , and they investigated to see what happened and found that that provider submitted multiple requested within 3 days and kept on sending it with different amount which all were more than XXXX , and right now the provider nor the collection that is working with that provider refuses to till me what happened and it affected my credit report a lot.