davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Unifin Inc. (CA)

I have received additional communication from Unifin about a debt that was previously discharged in a bankruptcy. Unifin has been contacted in the past, including a previous CFPB complaint filed by me, for attempting to collect on the same discharged debt in XXXX of XXXX. This company will not leave me alone despite knowing I filed Bankruptcy and the debt they are attempting to collect on was legally discharged. 

In XXXX of XXXX a CFPB complaint was filed against UNIFIN under complaint # XXXX for unlawfully attempting to collect a debt referred to UNIFIN for collections. The UNIFIN reference number is XXXX. Original creditor XXXX XXXX XXXX also named in the 1st complaint. The current creditor is XXXX XXXX who is using UNIFIN to collect. The complaint was resolved in XXXX with UNIFIN acknowledging the bankruptcy and agreeing to stop collecting on the debt. The bankruptcy information is as follows : Case # XXXX - XXXX XXXX Bankruptcy XXXX XXXX, no asset case Date Filed : XX/XX/XXXX Date XXXX : XX/XX/XXXX In XXXX of XXXX I received another collection letter from UNIFIN XXXX XX/XX/XXXX. This is 15 months after they were notified that the debt was XXXX. This letter contains a docket number for a judgment ( XXXX XXXX XXXX XXXX ) filed XX/XX/XXXX while I was protected by a Bankruptcy stay and which was legally XXXX in my bankruptcy. There is BOLD lettering stating " The XXXX of XXXX Now ''. It is my understanding that after a debt is XXXX in a chapter XXXX bankruptcy, there is nothing owed.
Consumer complaint received 2024-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings (AR)

I was never legally notified of this debt, i was never aware of it when it was made back in XXXX. When i created an account with all 3 credit agencies last year I found an amount over {$2000.00} on my credit. Ive been trying to remove it since last year when I found out about it, I also never received reason and proof of the debt from the debt collector IQ Data International Inc, Ive been calling that company all day today and got hung up on, disrespected and no help. They are refusing to talk to me and the rep said shell see if someone can send me information regarding the debt on my credit. The owners of XXXX XXXX apts sold the complex in XXXX  and sold information to IQ DATA international which is illegal. They didnt go to court regarding this matter, also my 4th amendment right was violated because they publicly shared that information without me being aware of it and assumed I am responsible of the debt which is also going against 15 u.s.c 1694 c-d and other codes were violated but Im not going to put every code here but I will submit the forms and which code was violated. When I asked for the reason of debt to mailed to me I never received anything. I never validated that debt! You can not send a debt to a debt collector company without legally following the proper steps to collect a debt from someone. They didnt go to court and theres no record of this. Ive spoke with someone that used to own XXXX XXXX Apartments and she informed me that that complex was sold in XXXX  along with other information. I will upload some forms later on
Consumer complaint received 2024-01-25
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA (IL)

We have called the Kia Leasing Department several times to request this form and we have been very specific that it needs to have the DO NOT MAIL water mark on the form. The Illinois Secretary of State requires this water mark as proof that sales taxes have been paid so the car can be retitled in our name and that we can properly register and plate the car. We purchased this car on XX/XX/XXXX and as of XX/XX/XXXX we have not received the appropriate form in spite of numerous requests on our part. As a result, we can not retitle the car and can not update registration and get new plates. No one from KIA seems to know how to resolve this and every time we call we have to start from square one and deal with a different person. We have spent hours on hold, have been hung up on, lied to and we have escalated to supervisors on 3 separate occasions without resolution. Since KIA has leased and sold cars in Illinois for as long as I can remember, I find it unbelievable that they do not have a documented process that they follow. It should not be on the consumer to follow up to get the proper documentation. We met our contractual agreement to lease and purchase the car and we expect the same from KIA. A buyout at the end of a lease should be a core business process and the level of incompetence and apathy we have experienced is stunning.
Consumer complaint received 2024-07-18
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Credit Control, LLC (NJ)

This collection agency under the name of Credit Control , LLC is trying to collect a sum of money ( AGAIN ) I do not own them due to the fact I never have any business with them nor signed contract or/and agreement. 

Actually this agency is a sub-company that works for XXXX XXXX XXXX and together they both are trying to rip me and scam me off. 

Credit Control have not a single legal documentation that can prove I own them any kind of money and have no right to be using my personal and federal information on any kind of documentation DUE TO THE FACT THAT XXXX XXXX XXXX COULDN'T PROVE WITH ANY LEGAL AND SIGNED DOCUMENTATION THAT I OWN THEM ANY SUM OF MONEY THEY WENT AHEAD AND GIVE CREDIT CONTROL , LLC ALL MY INFORMATION TO TRY TO DO THE SAME BUT OF COURSE WITHOUT ANY LEGAL OR SIGNED DOCUMENTATION THAT SHOWS I OWN THEM ANY SUM OF MONEY
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc. (AK)

About a year ago, my loans were transferred from the original loan servicer to NELNET. Then I applied for a PSLF which afterwards my loans were transferred to XXXX. Since that last transfer, both NELNET and XXXX are reporting to the credit agency XXXX that they both have the 13 loans I took out during while in school. So to XXXX, it looks like I have 26 loans and the balances of all 13 loans are listed twice. That has doubled my student debt being reported from XXXX to XXXX dollars showing that I owe for student debt. My credit score took a nose dive of more than XXXX points at the beginning of the year. I can not get any kind of loan because everyone thinks I owe XXXX in student loan debt. I have filed a dispute with XXXX, I have filed a complaint with NELNET, I have filed a complaint with the XXXX, and I have filed a complaint with the Department of Education. I'm not asking for anything more than accurate reports be sent from NELNET to the reporting agencies. My NELNET account shows a XXXX balance but they say they can not report that because the Department of Education has to release them from servicing the loan. Yet, that has already been done.
Consumer complaint received 2024-01-25
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma (MO)

XX/XX/XXXX Credit Karma money froze my account. I have over {$700.00} in that account. I cant access my money. Ive emailed, chatted, and called-to no avail. Only to be told it will be 7-10 days. It has well exceeded that time frame. No one will transfer me to the higher dept investigating my account. I had to change my payroll deposit.
Consumer complaint received 2024-01-25
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC (ID)

The company community choice financial bought out check into Cash they are trying to say that I got a new loan for over {$5000.00} this is fraud they did supply me with two different contracts and when is signed when is not they're usually is more information on a title loan I have the paperwork from the title loan that I did get and then I paid in full and there is missing information on this new title loan I have really gone over this with the company they are trying to say that I do owe this and I know I do not I told him it is fraud they don't care I they have my title they will not give it back and I do have proof that I paid this off
Consumer complaint received 2024-07-15
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: TD BANK US HOLDING COMPANY (SC)

In XXXX of 2024 we made our regular mortgage payment on time. 
The amount was short because of an escrow increase. 
The bank who manages our escrow account did not use all the contact info on file to notify us of the issue. 
They did not accept the payment but did not return it either. 
They placed it in the mortgage account unapplied knowing it was a mortgage payment. 
They in turn then reported a missed payment not a short payment. This has reduced my wife and my score XXXX. 
We have never had a late payment in 45 years of credit. 
I called the bank and made the payment difference over the phone. The bank agent mis entered my checking account number so 2 days later I followed up again and took care of the small difference that was short. 
I have asked for corrected reporting of a short not late payment and the bank refuses they also do not pay me interest on the money they impounded that was my on time payment nor did they return it to me as they claim it was not accepted. You can not have it both ways. 
The bank claims they can not remove the missed payment from my credit report however this is not true banks do good will adjustments all the time.
Consumer complaint received 2024-07-11
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: DISCOVER BANK (GA)

I used my Discover Credit Card to make several purchases with XXXX. An XXXX representative and I reviewed purchases from the last XXXX months ( XXXX to XX/XX/year>. ) From that review, I identified items that I didnt recognize and the XXXX representative was notable to identify the items. So, it was identified as fraudelent. The items totaled {$530.00}. When I spoke with Discover, they spoke of items with XXXX that were NEVER in dispute. The spoke of a pink and white dish set that was incomplete with XXXX of XXXX cups. I was told to keep the set and XXXX credited my account. Now, why would I put that in a dispute? In addition, Discover spoke of a wrist band that I never put in dispute. I wear the wrist band EVERYDAY. I kept telling Discover that I only put in dispute items that I did not recognize. If you could tell that the item was a wristband, a set of dishes or a XXXX dress ( later told to me ) then it was never something that I disputed. This was done to discredit my dispute.
Consumer complaint received 2024-07-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HUNTINGTON NATIONAL BANK, THE (MI)

XXXX is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Huntington XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-08-03
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)

I have never had a relationship with XXXX XXXX. I'm not sure what this debt is. I have attempted to notify them of that several times and have been assured it would be removed, yet the balance remains on my credit report. The address on the account is one I have not lived at for 8-10 years.
Consumer complaint received 2024-01-27
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Received a XXXX XXXX XXXX XXXX as a gift for XXXX. Activated card, {$300.00} balance when activated. Attempted using card for different transactions in store and online, every single time it declined. A few weeks pass, I contact the card company and was able to speak to a representative who ended up replacing the card with a new one via mail. New card has the same problems. Shows {$300.00} balance & activated, but unable to use for purchases online or in store.
Consumer complaint received 2024-01-25
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (CA)

Card worked fine 3 weeks ago. Then tried again and was declined for transactions under {$1.00}. Went to check balance on their website and receive a message that says system error or card invalid. Called them and they gave me the same information technical difficulties. I asked if I could get a list of transactions and repeated they are having technical difficulties to check back in a few days. Was relying on this card for food for my kids. Card is not working and I'm out money so sad these mega corps can reap these profits and fraud the american consumer.
Consumer complaint received 2024-07-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Source Receivables Management LLC (NC)

Debt Collection for an account and equipment that was created with XXXX  created in XXXX. 
Location of the identity theft was XXXXXXXX XXXX 
An original debt collector withdrew the debt collection in late XXXX since I disputed the debt as Identity Theft. 
This new debt collector notified me and gave me information on how to contact XXXX to dispute the debt which was completed in XX/XX/XXXX. 
The new debt collector " SOURCE RECEIVABLES MNG '' put a collection record on my credit report. 
The collections action was disputed with the Credit agencies on XXXX. 
The Debt collector refuses to remove the collection actions.
Consumer complaint received 2024-01-27
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: WELLS FARGO & COMPANY (VA)

On XX/XX/XXXX, I received a letter thanking me for opening a new XXXX XXXX XXXX XXXX. I tried to contact the company via email only to be told ( on XX/XX/XXXX ) that it was the rewards account and I need to contact Wells Fargo, the issuer of the card. The card was received in the mail on XX/XX/XXXX. I called the number on the card to report that I didn't apply for the card. They said that they had XXXX the card and I asked if they could verify that no other cards were issued against the account. He asked for my phone number and I felt they should tell me what it was - and then my fiance got angry and started yelling. He was not on the phone but the rep. could hear him and ended the call because it was 'abusive '. I am not sure what is happening now but I am worried that someone else may have a card against this account. I have done research and apparently XXXX does this a lot - sending out cards to people who do apply for them.
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS (TX)

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.

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

15 U.S.C 1681 Section 604 A Section 2 : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2024-01-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA (NC)

This is an Identity Theft pursuant to 15 USC 1681a ( 3 ). The information I am demanding to be removed is not sent in error and is an affidavit of fact, so there is no material misrepresentation of the fact. If you believe I obtained possession of goods and services, then have a senior executive member of this company put this information on a signed and notarized affidavit under penalty of perjury. 

Once the items are removed from my consumer report, I demand that they are never put back on. If they are put back on, I will pursue litigation against your company in federal court, pursuant to 15 USC 1681o. 

Per 15 USC 1681c-2, the credit reporting agency must block this information from being reported to my consumer report within 4 days of receipt of this ID Theft Report, and I am demanding that you do so. 

Thank you for your help in protecting my federally protected consumer rights.
Consumer complaint received 2024-07-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

The dates they have items reported as charged-off doesnt match my records. I have also been receiving calls and emails regarding these account after the accounts have been charged off according to my credit report. I requested that they verify the information and remove any inaccurate information from my credit report as quickly as possible. They simply responded and said the information was accurate and didn't provide any proof.
Consumer complaint received 2024-01-27
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: MIDFIRST BANK (VA)

I obtained my mortgage -origination- in XXXX, and since that time I have been paying the home insurance PMI until today thru 3 mortgage companies, the current one is Midland Mortgages XXXX 
I asked the company to cancel the PMI since I meet the conditions, but they refused and arguing that the loan first originated in the year XXXX. ( since the time I switched to them ). 
I do not know why they are citing incorrect reasons, especially since all criteria that allow me to cancel the insurance are met. No late payments and the market price of the house is {$550000.00}, and the remainder in the loan is {$260000.00}. In addition, Thank you very much for the help. 
Please help me with this matter. Thank you very much.
Consumer complaint received 2024-01-27
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: CREDIT ACCEPTANCE CORPORATION (GA)

To whom it may concern, an update to my Consumer Report was made as of XXXX XXXX XXXX. This update is still showing multiple inaccuracies including the remark Consumer disputes this account 180 Days past due. The official date that I discovered this violation is XX/XX/XXXX when I made my first complaint to the CFPB about this account Complaint ID : XXXX. In pursuant to 12 U.S.C. 5564 ( g ). [ 6 ] ( Except as otherwise permitted by law or equity, no action may be brought under [ the Consumer Financial Protection Act ] more than 3 years after the date of discovery of the violation to which an action relates. Also, in pursuant to 15 U.S.C 1679i ( Statue of limitations ) - Any action to enforce any liability under this subchapter may be brought before the later of ( 1 ) the end of the 5-year period beginning on the date of the occurrence of the violation involved; or ( 2 ) in any case in which any credit repair organization has materially and willfully misrepresented any information which ( A ) the credit repair organization is required, by any provision of this subchapter, to disclose to any consumer ; and ( B ) is material to the establishment of the credit repair organizations liability to the consumer under this subchapter, the end of the 5-year period beginning on the date of the discovery by the consumer of the misrepresentation.
Consumer complaint received 2024-06-30
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: Old Dominion Mortgage Co., Inc (VA)

Old Dominion XXXX XXXX provided me with a fictitious and fraudulent rejection letter regarding account opening rejection due to XXXX XXXX report when I passed all criteria and discriminated against me and opening of account. When asked agent in charge ( please see information below ), of explanation of rejection of bank account opening, no reply was provided to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2024-01-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Exeter Finance, LLC. (OH)

( XXXX CREDIT REPORTING ) IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights! 
Under Act 15 U.S.C. 1681 section 602 says I have the right to Privacy. 15 U.S.C 1681 section 604 A section 2 It also states a consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C 1666B, A creditor may not treat payments on a credit account under an open and consumer plan as late for any purpose Please remove the following account that I have never given my written instructions to refurnish thank you! 
EXETER FINANCE AMOUNT High balance of {$19000.00} from XX/XX/2023 to XX/XX/2023 ; {$19000.00} from XX/XX/2023 to XX/XX/2023 ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX