davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-08-07
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (PA)

I have tried to contact this agency since XXXX in regards to the debt they are reporting on my credit report. I have dispute this account with all major credit report agencies. I have requested they to send me information on payment history, lease agreement and housing agreement as well as the dates involving this debt and still have not received any information. I requested that this account be removed since they agency that is collecting the debt came not validate all of the information being reported is correct and belongs to me
Consumer complaint received 2024-08-12
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (OH)

I received XXXX notifications for collections in the amounts of {$730.00} and {$1100.00} from Midland Credit Management on XX/XX/year> and XX/XX/year>. I called and spoke to XXXX representatives requesting validation to the alleged debts. I requested copies of the original contracts with my signatures. I also requested the payment history, the address of the original creditor and proof of the debt assignment. They did not confirm if they had a license to be able to collect on this debt in Ohio, so I also requested the chain of custody for the alleged debt. Lastly, I requested the purchase agreement. I was informed they did not have this information so I informed them I would be filing a complaint.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (CA)

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Consumer complaint received 2024-08-12
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Freedom Mortgage Company (TX)

I sent the Copes of the taxes and closing Statements I am XXXX veteran 100 % and the flood from XXXX XXXX so many times also the taxes the house was not built in 2023 plus i bought it XX/XX/2023 so they paid the taxes and my payment to XXXX, I a 100 % service connected XXXX veteran and do not have that kind money unable to work XXXX XXXX XXXX survivor!
Consumer complaint received 2023-09-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TD BANK US HOLDING COMPANY (NJ)

My escrow account was charged {$7200.00} on XX/XX/2022 for not having property insurance, proof was provided as requested ( on 2 seperate occassions ). TD Bank acknowledged receipt and was to refund the charge. I have called and corresponded with them and they claim that the money was returned. However they are not providing me with where and when it was returned and I haven't been able to account for it. The last I spoke to them they were to provide an accounting and all I got was an escrow statement but the credit of {$7200.00} is still not accounted for.
Consumer complaint received 2024-07-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc (FL)

XXXX XXXX from XXXX XXXX Department ( XXXX ) called a family member on XX/XX/year> and left a message with information pertaining to a personal matter that did not involve that family member. My family member 's voicemail clearly states their name which is not even close to mine, but she proceeded to leave a voicemail going into detail about a personal matter that does not involve said family member. XXXX XXXX then proceeded to call my brother on that same day, XX/XX/year>, and left a similar voicemail. 

XXXX XXXX XXXX reached out to this same family member back on XX/XX/year> and I spoke to XXXX at XXXX XXXX XXXX on XX/XX/year> at approx. XXXX, who was at the time, working on the same personal matter as XXXX XXXX XXXX to not call any of my family members going forward. I do not know the relationship between XXXX XXXX at XXXX XXXX Department and XXXX XXXX XXXX ( XXXX ) but they continue ( despite me asking them not to ) call and harass my family members. They all have my contact information but still choose to reach out to my family members after me telling them not to. 

I want the original creditor XXXX XXXX held accountable too because they are retaining these companies to seek out and harass my family which is unacceptable. I have kept records of all interactions between both companies and can furnish whatever proof is needed upon request. This is my final attempt to make these harassment calls stop, my next step is consulting an attorney.
Consumer complaint received 2024-08-08
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CA)

I am writing to formally report LVNV Funding LLC for violations of the Fair Credit Reporting Act ( FCRA ) regarding a loan that has been incorrectly reported to the credit reporting agencies as belonging to me. 

Despite my repeated attempts to resolve this matter, LVNV Funding LLC has failed to provide any signed documentation or contract evidencing that the loan in question is mine. Specifically, I have requested these documents twice, but LVNV Funding LLC has not complied with my requests. 

Additionally, LVNV Funding LLC has not marked the item as disputed with the credit reporting agencies, as required by FCRA regulations. This failure to accurately report the disputed status of the debt is a clear violation of my rights under the FCRA. 

Additionally, please be informed that this loan has been reported to the Federal Trade Commission ( FTC ) as a fraudulent item under identity theft. A copy of the FTC identity theft report is attached for your reference. This further underscores the urgency and gravity of the situation, and the need for immediate action to rectify this issue and prevent further harm. 

I kindly request that you take appropriate action to investigate LVNV Funding LLC 's non-compliance with FCRA regulations and ensure that the incorrect information is corrected and that the item is properly marked as disputed.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MO)

XXXX XXXX & Portfolio RC are reporting on my credit and attempting to collect debts that are not mine. I did not apply for those accounts and do not understand how they can report to my credit. 
THe debts are old also, past the statute of limitations in MO.
Consumer complaint received 2024-06-29
Product: Credit 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: NAVY FEDERAL CREDIT UNION (PA)

I was visiting XXXX and made clothing purchases. I purchased 5 women tops and 1 lightweight jacket. The tops and jacket was tried on but a lil snug. I asked if they had a bigger size. The lady left her store and went to another store to get the bigger sizes. She comes back with the items repackaged with the correct size displayed clearly on the package. New labels clearly showing the size I approved. Later, after I left the store, I discovered they did a Bait and Switch. So in the new repackage items was the same size items that was tried on in the store that was snugged. They never replaced the tops or jacket with the correct size and they cut the size labels off all the garments. She was desperate to make a sale instead of admitting she didnt have the sizes I needed she committed fraud by lying she had the correct size and cheated me out of my money for a smaller size product. Navy Federal said its non disputable. I was scrammed, I did not get the items I thought Id purchased. This was a purchased made for {$1100.00} XX/XX/scrub>XXXX XXXX XXXX
Consumer complaint received 2023-11-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: LEXISNEXIS (SC)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, INCLUDING THE REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports. 
Credit Card Opened by the Thief Company or Organization : Under penalty of perjury, I declare this information is true and correct to the best of my knowledge. 
I understand that knowingly making any false statements to the government may violate federal, state, or local criminal statutes, and may result in a fine, imprisonment, or both. 
Date Use this form to prove to businesses and credit bureaus that you have submitted an FTC Identity Theft Report to law enforcement. Some businesses might request that you also file a report with your local police. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAVE FOLLOWING ACCOUNTS, QUICK CREDIT # XXXX XXXX Form XXXX was requested by me to the creditor as validation of applying for an account. The form should always be filled out by any creditor releasing credit to a consumer along with providing proof of a wet ink signature. Without that, it isn't valid and should be removed immediately. 
To my CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports.
Consumer complaint received 2024-06-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc. (TX)

I understand the importance of removing any inaccurate information from my credit report in accordance with FCRA XXXX. Could you please review the documents? I've noticed discrepancies in several accounts, which is concerning to me.
Consumer complaint received 2024-08-10
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

The person opened an account with Capital One on XX/XX/XXXX ; the individual account was current prior to the XXXX pandemic. The global pandemic ( XXXX XXXXXXXX ) hindered the consumer from making payments on time. To ensure the consumer was protected throughout that difficult time, The Cares Act was implemented to prevent lenders from reporting late payments to credit reporting companies during XXXX. The Cares Act did not end until XX/XX/XXXX, but XXXX XXXX was reporting XXXX XXXX XXXX. Under this obligation the credit account was current before the accommodation and the consumer makes the payments pursuant to the accommodation, is not required to make one or more payments pursuant to the accommodation, or the consumer brings the credit account or obligation current. Under FCRA Section 623 ( a ) generally prohibits a person from furnishing inaccurate information to the CRA.
Consumer complaint received 2024-05-30
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AMERICAN EXPRESS COMPANY (TX)

This call took place XX/XX/2024 at XXXX Central Time and lasted 36 minutes. The call was made to American Express at XXXX. 
Called American Express to update them with information about a Claim I submitted with American Express XXXX XXXX XXXX XXXXXXXX XXXX regarding one lost payment I sent in via Certified Mail tracking on XX/XX/2024 and one payment, again via Certified Mail tracking, they refused to process I sent XX/XX/2024. 
The automated system took me to an individual that I began speaking with to let him know I was following up on a call from yesterday, XX/XX/2024 as I was receiving calls from American Express notifying me they would be canceling my account due to non-payment. 
I informed the representative I spoke with that I am following up to inform them not to take any adverse action on my account because I submitted a Claim on XX/XX/2024 and have not yet heard anything back from the above mentioned parties to address my Claim. 
The representative began asking me questions about my account, the payments I sent in, and asked me to give him my phone number. I told him it was the same number on my account and he insisted I tell him the number in full. It was at this point, when I asked why he needed my number if he has it on file that he informed me he was from the 'XXXX XXXX XXXX  '. This was 20 minutes into our call.

I gave him feedback at the end of the call that the first thing he should have done is identify himself as being a collections agent and he did not respond to my feedback.

This call was recorded by American Express, the confirmation number the associate gave me for this call is XXXX XXXX XXXXXXXX and the Complaint number generated as a result of this call is XXXX. 

The associate was clearly uninterested in identifying himself and why he was speaking with me and even more uninterested in my feedback about his unfair, deceptive and misleading practice.
Consumer complaint received 2024-06-24
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc (VA)

I had identity theft starting in XXXX of XXXX. My XXXX phone acct was hacked. That was taken care of. I then found out a XXXX credit card in the amount of {$5000.00} was taken out in my name and packages were being ordered and rerouted from my home to XXXX and XXXX stores and being tracked and taken off the XXXX  XXXX truck in my neighborhood. We only found that out after we received a letter in the mail notifying me this the XXXX credit card which I had shut off immediately. After which my PayPal acct was hacked into and on XX/XX/year> a {$2100.00} laptop was purchased. The thief that purchased that computer tracked that computer from XXXX on the XXXX truck until it reached closed to my neighborhood and intercepted off of the truck and made away with it. I only found out about it after it showed up on my statement the follow month. Then I called PayPal to dispute this and they told me I had purchased this because it was delivered to my home. We were home and a computer was never delivered to my home. I was under the impression it might have been one of the items that might have went to XXXX or XXXX because I could never get anyone to call me back or talk to me. Finally on XXXX during-one of my monthly calls to PayPal it came out the XXXX  driver said the computer was delivered to our home. I was flabbergasted. So I went and made a police report and went to XXXX. Where they said they had a rash of drivers giving packages to people off the trucks. I got the paperwork for the computer and all this paperwork from XXXX, XXXX, the police report and XXXX has been Faxed and Mailed 3 times to PayPal. They have continually opened and closed this case and always came back and said I have to pay. I have given them all the proof of my identity theft
Consumer complaint received 2024-01-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (SC)

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
Consumer complaint received 2024-08-22
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: LDF Holdings, LLC (SD)

My identity was stolen in XX/XX/year> so alot of loans and credit cards and bank accounts and phone companies are now billing me and killing my credit. I want to repair identity theft and fix this.
Consumer complaint received 2023-09-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602 A. I have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-30
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: EQUIFAX, INC. (VA)

them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-07-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

XX/XX/XXXX XXXX  CLASSIC CREDIT MADE AN INQUIRY ON MY CREDIT REPORT UNDER MY DIVORCED NAME THAT I HAVE NOT USED SINCE XXXX. I TRIED TO CALL THEM AND THEY WANTED MY SS NUMBER WHICH I REFUSED TO TYPE IN
Consumer complaint received 2024-08-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ability Recovery Services, LLC (AL)

I sent a letter to a series of collectors on the XXXX of XXXX. I requested a series of information, including account numbers, proof of original debt owed, etc. Instead I received a paper that has some false information, the original creditors which wasn't a group I know or have ever been to, no account number, and no proof this is actually my debt. Just random papers anyone could have falsified and typed up.
Consumer complaint received 2024-08-19
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA (CA)

When I pay additional funds beyond the payment amount, they just add more interest payment, rather then apply to extra to the principle balance. 
I'll give you an real life example from the Kia Finance site. 
the payment due is XXXX. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> I sent XXXX, they apply XXXX to principle and XXXX to interest. 
XX/XX/year> ( no payment due ) I sent XXXX, they apply XXXX to principle and XXXX to interest. I called and complained, they made the adjustment. 
XX/XX/year> ( no payment due ) I sent XXXX, they apply XXXX to principle and XXXX to interest. 
I have called 4 times including today. I was told just as in the past that it will be corrected. 
I was also informed that I need to call them each month so they can apply the additional payment to principle. 
I've had car loans with others, that automatically any additional to the principle.
Consumer complaint received 2024-01-30
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: EQUIFAX, INC. (NJ)

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-05-04
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. (TX)

I am trying to clean my credit report and I am informing that the account XXXX in the amount of {$1600.00} and account XXXX in the amount of {$4800.00} are not my accounts. I have been a victim of identity theft and have no recollection of these accounts. Consumer Law SECTION 605 A 15 U.S. CODE 1681 C-1 states : The banking system is dependent upon fair and accurate credit reporting.

SECTION 605 B 15 U.S. CODE 1681 C-2 states : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate ; block of information reported as identity theft.