davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-02
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (PA)

Good morning! 

I was called from a debt collector about this account. I was making payments until I think I missed 1 or 2 a few years ago and it was removed from my USAA banking account. I would like to still make payments on this loan or is there anyway to remove this hard inquiry from my credit report? 

Thank you! 

Info on account : Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX Account Amount : {$3400.00} [ CLOSED ] Last Payment : XX/XX/XXXX, XXXX. 

" Remarks '' Charged off as bad debt. Profit and loss write-off. '' Additional details Business type Bank - Installment Loans Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX
Consumer complaint received 2016-12-20
Product: Credit card — 
Issue: Payoff process — 
Company: Continental Finance Company, LLC (OH)

When I applied for Continental Credit Card, in amount of {$300.00}. to re build my credit and with XXXX XXXX for dental work ( only owed XXXX at this time ) I paid for the insurance in the event I lost my job it would be covered. Well I lost my job and both these company s said I canceled the insurance month prior to me losings my employment. I never canceled this insurance and if I wanted to I would have had to put it in write per, Continental Credit Cards and Care Credit own policy 's. So I told them both to show me where I put in writing to cancel the insurance? Neither never could, did not respond to me and sent it on to collections. This was in XXXX of 2012 I lost my job however this is not first time I have tried to resolve this issue. I am not at home and do not have documents with me at this time but I will get them copy and send or emial asap. Also I see I can only add XXXX Credit Card company at time at end so I will do XXXX of these.
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: OneMain Finance Corporation (GA)

Company/Date- XXXX  XXXX XX/XX/XXXX Company/Date- One Main Financial XX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XX/XX/XXXX Company/Date- XXXX XXXX XXXXXX/XX/XXXX The fraudlent accounts listed above is not mine
Consumer complaint received 2024-07-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sunset Management, Inc (GA)

Company/Date- XXXX  XXXX XX/XX/XXXX Company/Date- XXXX XXXX  XXXX  XX/XX/XXXX Company/Date- XXXX XXXX XXXX XXXX XX/XX/XXXX Company/Date- Sunset Finance XXXXXX/XX/XXXX The fraudlent accounts listed above is not mine
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This account was the result of identity theft. I have previously filed a FTC report and a Police report. Both reports given to creditor. This account has also been disputed with all 3 credit agencies. Creditor refuses to remove account and stands by that I must pay the account even if it's identity theft and will not remove this fraudulent account.
Consumer complaint received 2024-07-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (NC)

Validation request on XX/XX/year> & XX/XX/year>. Ability Recovery Services has not sent any correspondence pertaining to this matter. The debt continues to be reported to the 3 credit Bureaus. This is against FDCP practices.
Consumer complaint received 2023-09-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

Hello!! I have been trying to get the bureaus to correct erroneous information reported in my report, however, so far I have not received responses, I attach the letters that I myself have made and sent to, that you can see the errors that I highlight to the bureaus and which they have ignored for a time ago
Consumer complaint received 2024-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: RSI Enterprises, Inc. (AZ)

The company did not property validate this alleged debt. The instead only mailed a single bill they provided is not proper validation of the debt and will not suffice. I disputed the alleged debt that you are attempting to collect. I additionally requested validation of the alleged debt pursuant to my rights under the FDCPA. I requested a copy of the signed contract, I also requested that you cease and desist all collection activity, including credit reporting. I requested that you delete any and all reporting made to the consumer credit reporting agencies. 1st you failed to obtain and send verification of the alleged debt by not mailing me the contact, instead of sending me a signed contact or agreement signed by all parties involved as requested, you mailed me a bill only this is non-responsive to my validation request. Under the FDCPA, it is unfair and unconscionable to attempt to collect a debt in any amount that is not expressly authorized by agreement creating a debt permitted by law. 2nd you have failed to provide a valid basis for the calming I am required to pay the alleged amount owed. Additionally, you have failed to provide details about the age and amount of the debt ; a detailed explanation of any interest added and the legal authorization for this interest ; the date the original creditor claims it became delinquent. And whether this debt is within the statute of limitation and how that was determined. Lastly, you failed to provide any details on your authority to collect this debt that was requested : whether you are licensed in my state and if so ; provide the date and license name on the license and license number along with the address and telephone number of the state agency issuing the license number. You have not complied with the request that was made and was not proper validation. You have failed to provide any proof that it is me that owes this alleged debt. Under the FDCPA laws that have been requested by me in my initial request to you Since you were unable to provide proper validation of this alleged debt, I am requiring you to cease reporting and collection immediately. 

As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Consumer complaint received 2024-06-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.
Consumer complaint received 2024-06-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PENTAGON FEDERAL CREDIT UNION (VA)

I applied for a pre approval with pentagon federal cu and I was told that it is only a soft pull. I got denied for the pre approval and then a hard pull was then put on my XXXX account. I submitted a ticket with penfed, as instructed to get it resolved, and they told me it looks like a credit application was applied for because I received a counter offer, which I did not receive a counter offer from them. Their ticket was submitted as they did nothing wrong and I followed up telling them my issue. They said I accepted the counter offer, which I did not and I told them something similar has happened before. They did not care to resolve my issue and told me to go to XXXX and report it, which I did. XXXX told me I have to go to Pentagon federal and resolve it with them and then I explained my situation, then equines referred me to here. The issue is pentagon federal cu ui is buggy and they are putting the blame on me as if I wanted to go through with a hard pull.
Consumer complaint received 2024-06-28
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc. (TX)

I wrote a letter to the Credit Corp Solution , Inc. CEO. I mailed the letter to the headquarters address on XX/XX/2024, and I also mailed the same letter to their attorney. I asked them to stop the calls. And I also asked them to mail to me verification of the debt that they claim that I owe them. They have called me every day starting XX/XX/2024, to present from different phone numbers. I ask them to only communicate with me through the mail.
Consumer complaint received 2024-07-03
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc. (TX)

I received a letter from F.H. Cann & Associates claiming I owe {$3300.00}. I think they have been calling according to my wife, whom as asked them to stop on numerous occasions
Consumer complaint received 2023-09-12
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: Mr. Cooper Group Inc. (FL)

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Consumer complaint received 2024-07-03
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (CA)

NAVIENT has been batch-denying school misconduct discharge applications to XXXX XXXX XXXX XXXX XXXX XXXX the fact has been proven in multiple instances in the legal system ). 
After getting a denial with a generic email message, I contacted the Office of the Customer Advocate at NAVIENT, requesting concrete reasons for the denial and allowing an appeal of the decision. The response was a letter stating the same generic message/reason for denial. 
The letter provides a " direct phone number '' to the Advocate, XXXX XXXX, but when I call, the extension number provided does not work, and the call is diverted to Customer service. The call always seems to be next in the queue with a 3-minute wait. However, the call never gets connected to anyone.

The Advocate Letter seems to mock people trying to solve an urgent financial matter by providing non-sensical responses to the applications and not allowing appeal or a way to solve the matter. NAVIENT is showing zero concerns about solving proven school misconduct cases, denying most applicants. ( we are organized and keep information flowing ). 
Navient states that I do not meet the requirements for discharge based on misconduct by XXXX XXXX, notwithstanding the multiple Judicial Sentences proving engagement of the XXXX XXXX in school misconduct, which resulted in the discharge of federal loans of ALL XXXX XXXX XXXX whether they were class members of Borrowers Defense or not.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Credit Fresh Holdings Inc (FL)

Complaint Regarding Delay in Credit Reporting Dispute Resolution : File number : XXXX XXXX/CREDITFRESH I am writing to express my frustration regarding the unresolved credit reporting dispute that has now exceeded 30 days without any notification or response from the lenders involved. This delay is significantly impacting my livelihood and hindering the process of repairing my credit. 

I submitted a dispute regarding certain items on my credit report on XX/XX/year>, and according to the Fair Credit Reporting Act ( FCRA ), I should have received a response within 30 days. However, it has been 94 days since my submission, and I have not received any communication or updates regarding the status of my dispute. 

This lack of response is not only causing undue stress but also preventing me from taking necessary steps to improve my credit standing. As a responsible consumer, I expect timely and transparent resolution of credit disputes, as mandated by federal regulations. 

I kindly request immediate action on this matter and appreciate your prompt attention to resolve this dispute at the earliest convenience. Please provide me with an update on the status of my dispute and the steps being taken to address it. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-07-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Diversified Adjustment Service, Inc. (FL)

I am not liable for this debit of {$830.00} with Diversified Adjustment Account number XXXX. I do not have a contract with Diversified Adjustment. 

I am not liable for this debit of {$4200.00} with XXXX XXXX, I do not have a contract with XXXX XXXX 


I am writing to dispute the accuracy of information on my credit report as provided under the Fair Credit Reporting Act ( FCRA ) Section 1681. I have recently reviewed my credit report and noticed several errors that need to be corrected on all credit companies ( XXXX, XXXX, XXXX ). 

The following inaccuracies have been identified on my credit report : XXXX. Incorrect Account Information : There are several accounts listed on my credit report that do not belong to me. I have never opened or used these accounts and would like them to be removed from my credit report. 

XXXX. Outdated Information : Some of the information on my credit report is outdated and no longer reflects my current financial situation. This includes accounts that have been closed or paid off but are still listed as active on my credit report. 

XXXX. Duplicate Entries : I have noticed that some accounts are listed multiple times on my credit report, resulting in an inaccurate representation of my credit history. 

I request that you investigate these errors and make the necessary corrections to ensure that my credit report is accurate and up-to-date. Please provide me with a written response detailing the actions taken to resolve these disputes within the required timeframe as outlined in USC 1681. 

I appreciate your prompt attention to this matter and look forward to receiving a response from you soon. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Consumer complaint received 2024-06-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (HI)

Resurgent Capital Services XXXX is harassing me with letters, emails and phone calls about some Unknown account. They claim that they bought some unproven, unverified and untrue debt from another Company that I have no contract with. 

I have no contract with Resurgent Capital Services XXXX, I have never heard of this Company and they have no legal right to contact me about any unverified, unproven and untrue debt. 

Resurgent Capital Services XXXX is in violation of 15 USC 1692. ( c ) ( a ) of the FTC fair debt collection practices. 

This Company needs to stop harassing me immediately.!
Consumer complaint received 2023-04-11
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. (PA)

To whom it may concern, I recently obtained a copy of my credit report and noticed that you are. 
reporting inaccurate information in the personal information section. To diminish speculation my information is as follows. 

Name : This is my legal name : XXXX XXXX XXXX Please delete any other references to names as they are not mine and I have never used any of them. 
Address : Please be sure that my address is listed correctly. 

My address should read : XXXX XXXX XXXX. 
XXXX Pa, XXXX Social Security XXXX Please remove ANY other information you are currently reporting as it is NOT accurate. 

I have attached my Identification card as well as a recent copy of my ( Bank statement, utility bill, ID ) for your verification. 

Best Regards,
Consumer complaint received 2024-06-24
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (CO)

On XX/XX/XXXX, I found someone withdraw XXXX dollars from my checking account from mobile APP. Since I were not in XXXX and was alert this is fraud for faked check. I asked my wife to call wells fargo to claim a fraud. Wells Fargo closed this account and build a new checking account and let me transfer all money to the new checking account and tell me they will investigate this claim and will give me result in next XXXX business days. On XX/XX/XXXX, I came back to XXXX and just go to wells fargo local branch in XXXX XXXX ( since wells fargo sent me feedback email for XX/XX/XXXX service but I were in XXXX! ) to ask them and want to have video record ( I guess someone did it in this branch since I got feedback email for this branch ) so I can give record to police ( I called XXXX when I were back in XXXX ). When I were waiting in the line, I found another XXXX dollars have been withdraw in branch from the new checking account. I am so hurry and asked mangers to for help but they let me wait and tell me we don't have time. I feel so frustrated and go to police department then I call wells fargo claim center again. Wells Fargo play a game for me in the next 5 days, I call them they just said it is still under investigation and we will notify you but I lost XXXX dollars in total and need money to pay my rent, XXXX and tuition. feel so helpless!!!.
Consumer complaint received 2016-01-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CO)

I received a letter dated XX/XX/XXXX from Nationstar that were declined HAMP Tier 1 stating Property not owner occupied and HAMP II stating that ineligible mortgage. Standard Modification - Declined reason was ineligible borrower - XXXX or more rental properties or borrower is not natural person. 
Under the Tier II, HAMP is available for a " rental property '' which id defined as property that is used by the borrower for the rental purposes only and not occupied by the borrower. The reason Tier II " ineligible mortgage '' and the following were listed as reason as to why the loan did not meet " your mortgage loan was originated after XXXX. That was wrong. The mortgage for the property loacated at XXXX XXXX XXXX XXXX, XXXX NV XXXX originated on XXXX.
Consumer complaint received 2024-06-26
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY (CA)

I have fraudulent charges in my account in the amount of {$1500.00} One transaction was sent XX/XX/XXXX and the other XX/XX/XXXX. I am filing a dispute to get my money returned to my account
Consumer complaint received 2024-06-25
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO. (OH)

Today ( XX/XX/year> ) I received a Chase Freedom XXXX card that I did not request or give consent for. The numbers that were provided on the form that came with the card have numbers clearly geared to sell you a medical alert monitoring service or to get you to an agent to discuss XXXX XXXX XXXX plans. When I called the numbers provided ( XXXX and XXXX ) it was a hard push to enroll in this medical monitoring plan where they offer a free device. No one would tell me who sent the card and at one point I was hung up on when I indicated that I was not going to be taking part in their program. I called the number on the back of the card ( XXXX ), I was able to get the card cancelled and it to be marked as fraudulent. They could or would not tell me who sent it and did confirm that there was no activity on the account. A few weeks ago, a guy walking the neighborhood stopped me as I was picking up our trash cans from the curb and wanted to talk about solar panels. He had the word " Freedom '' on his badge. He was pushing hard to get one of our power bills which I did not give him and insisted he spoke with my husband ( which he did not ). He went away after he decided I was not going to give him anything. Not sure if these two incidents are related or not.