davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

First received a telephone call from Transworld Systems Inc stating I as trustee of my sister 's family trust owed them {$190.00}. I told them to send me something in mail and I'd review. They did try to get me to pay over the phone. I refused. 

Just received mail stating I owed {$190.00} to TSI as debt collector for XXXX XXXX XXXXXXXX. I called XXXX and the account referenced in the letter does not exist. I have not paid anything. I'm not aware of anything owed, this trust literally only has an insurance policy in it so it didn't make any sense, given everyone still alive. 

I believe this is fraud attempt to collect a debt that does not exist. When I called XXXX  I was told they do not send claims to TSI. I fear the public will pay and possibly turn over their information to this company. Letters and calls were pretty professional, I'm grateful I did not scan any QR codes, or get on their website.
Consumer complaint received 2023-05-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital one Quicksilver continues to commit fraud by lying, they never sent an affidavit, and in so need to be reported to a higher power. What capital one Quicksilver is engaging in is called fraud, and I have recordings proving they lie. 

No affidavit ever came to the address to be signed. Another total lie, I can prove this because they can not provide proof of postage, as if they do, it will be mail fraud. At this point I'm positive they'll commit mail fraud, because the company is committing various other kinds of fraud.
Consumer complaint received 2023-05-05
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (PA)

It appears the promissory note I signed in XXXX is in violation of the Department of Education 's rules for the repayment of XXXX loans, as it seems to state the " repayment of the loan is until I die '', not the DOE rule in XXXX which was the XXXX was scheduled to close in 10 years XXXX. 

In XXXX the DOE 's rule was the XXXX loan was to be closed in 10 years which was XXXX. If the promissory note contradicts the DOE rule for repayment of the XXXX loan then the promissory note is illegal and therefore null and void. Close my XXXX loan now! 

Instead the loan was transferred from XXXX to Nelnet and XXXX additional nonexistent loans were added to my XXXX. 

The current DOE 's rule is : All borrowers with loans held by XXXX ( Direct Loans and federally held XXXX Loans ) who have accumulated time in repayment for at least 20 or 25 years will see automatic forgiveness of their loans, again not until I die, as Nelnet has expressed in print. My consolidated loan date was XXXX at which time the DOE XXXX close rule was 10 years XXXX. 

My XXXX  loans are not " pay until you die '' in accordance with the DOE XXXX repayment rules, as Nelnet put in print as a response to a CFPB complaint I filed, and pointed to the promissory note I signed. The XXXX loans are governed by the rules of the Department of Education. As Nelnet stated their role in XXXX  repayment is not as a collection agency and therefore it seems to have no reason to be reporting old XXXX  loans that were scheduled to close in XXXX, which should never of been transferred to Nelnet from XXXX to the National Credit Bureaus and are not " pay until you die '' It appears the promissory note I signed in XXXX, " pay until I die '' is in contradiction to the DOE rules that govern the repayment of XXXX Loans and therefore is null and void! 

Close my loan now!
Consumer complaint received 2023-11-06
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (GA)

I am XXXX  XXXXt that was XXXX  with the XXXX  XXXX XXXX with a XXXX XXXX XXXX XXXX I reached out to my complex, XXXX XXXX in XXXX, Ga which is apart of XXXXXXXX XXXX to sign my lease over they never sent any paperwork or moved forward I then reached continuously trying to just get out of the lease ( by law I can do that because I had a XXXX XXXX ). You would think they would help me in this process but they continuously ignored me. I would have more screenshots off of resident portal app but they no longer use the app. The management sucks, they have ample complaints and hasnt had any in the office for over a year. Procollect in XXXX, TX has wrote me and Ive wrote them back plenty of times throughout the year. Ive explained the situation and Ive called, the lady i recently spoke to was nasty and had an attitude, Ive reached out to both parties. This is wrong and this is illegal. Its a shame I have to go through all of this while fighting for my life and trying to XXXX XXXX you would think they would have some kind of sympathy, grace. If the shoe was on the other foot what would they do? This is a shame and illegal. Procollect gave me a email to send my proof too but they blocked it to where my message wont send.
Consumer complaint received 2023-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (LA)

This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-10-11
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Credit Karma (VA)

They falsely gave me a list of options that I would most likely be approved for. The website they sent me kept referring me to third party references who took my information down in a breach that I keep spam calls, messages, emails for. They hoodwinked to me because I spoke with a representative to make sure this wouldn't be a hard pull either. They lied. The lenders did not even do the type of loans I was looking for.
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (FL)

I summited a dispute. 
I have just checked my credit report and I see that the item is not marked disputed so I am unsure if the company is following the law, because 15 USC 1692e ( 8 ) states Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
here is my account info to use during your investigation into this matter account name XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED / XXXX # XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-08-10
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)

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2023-10-17
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: Experian Information Solutions Inc. (MO)

Hello, I recently sent Late payment removal letters and Charge Off Removal Letters to Experian, XXXX, XXXX and the creditors requesting to remove late payments and Charge offs off of my consumer report. I sent out the Late Payment removal letters to the consumer reporting agencies and they have all came back as Return To Sender and undeliverable. The Charge Off Letter requesting a 1099c for my tax return to the credits also came as Return To Sender. I sent out a letter to the consumer reporting agencies Experian, XXXX and XXXX letting them know that they are furnishing inaccurate information on my consumer report and that they had 5 business days to respond. They have failed to do so. 

I sent out the Late Payment Letters on 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 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 Doesn't show amount Charged Off- XXXX XXXX Im asking consumer reporting agencies to please have the late payments deleted from my consumer report because I sent out the letters and they came back as Return to sender and Undeliverable. Also asking for the Charge Offs to be deleted off of my consumer report. I requested a 1099c to file on my tax return and the letters came back as Return to Sender. I sent out letters to the consumer reporting agenices notifying them that they are furnishing inaccurate information on my consumer report and that they have 5 business days to respond. They have failed to do so. These accounts are Unverifiable. I have Attached copies of the Return to sender Cards .Thank you!
Consumer complaint received 2023-10-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NV)

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

On XX/XX/2023 I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. Please update/delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. Attached is the dispute letter I sent your company which is dated and time stamped.
Consumer complaint received 2023-09-26
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: EQUIFAX, INC. (AL)

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE
Consumer complaint received 2021-01-14
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Glass Mountain Capital, LLC (IL)

I received the following text message without receiving a written notification informing of a debt collection attempt. 

" I am a debt collector with Glass Mountain Capital LLC. This is an attempt to collect a debt, any information will be used for that purpose. Please return my call at XXXX. ( Text STOP to opt out of future messages ) '' I am concerned messages like this ( I have researched and found other individuals have received similar messages ) may be used in attempts to defraud financially uneducated consumers.
Consumer complaint received 2023-11-22
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOEING EMPLOYEES CREDIT UNION (WA)

On XX/XX/XXXX, my wife and I discovered 3 fraudulent checks that were paid out of our joint money market account. My wife is the primary account owner and I am an authorized signer on this account. We notified BECU immediately and they froze all of our accounts without even asking if we needed to make a withdrawal first to have cash to survive on. BECU requested a series of steps including visiting a branch to sign notarized affidavit of forgery, change online banking password, and change account number of account the fraud happened on. We complied with all these steps and BECU replaced the lost funds and unfroze all accounts for my wife. However, as of today XX/XX/XXXX, which is 30 days later, they have still refused to unfreeze my personal accounts. They claim it might be an error but they havent fixed it. I have called multiple times and been placed on hold for over an hour each time. They never sent ANY documentation at all about freezing my accounts or why they are still frozen. I have been unable to pay bills or buy food for an entire month and they are completely uncooperative and unhelpful about it. It is not fair to unfreeze the primary account holders personal accounts and keep mine frozen for the SAME fraud case. It was already determined to be not our fault and money was replaced. Please help BECU understand they cant treat their customers this way! I feel this is unfair discrimination because of my gender since this is the only difference between who they unfroze accounts for and myself.
Consumer complaint received 2023-08-10
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: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MA)

I was notified of a delinquent balance with XXXX credit ( account ending in XXXX  ), via a routine credit notification service the night of XX/XX/XXXX. Prior to this check, I maintained a perfect credit score for over 15 years. I called the day of XX/XX/XXXX, to rectify the balance and request that the delinquent report be removed. I spoke with ( person ) in banking who transferred me to ( person, # ) in collections. 

I was then informed that the above mentioned credit card that had been on autopay since the account was opened in XXXX, was not on autopay. I was not notified via email or phone of the delinquency. When I inquired, I was told that the documents were listed under new document in the online account, but no email or other notification indicating that any account with XXXX was delinquent was sent. When I asked why I was not called about this, the representative said XXXX calls people all the time. When I asked about [ removing the charge as a courtesy ), as I had banked with them since XXXX with no previous delinquencies or issues, they said that it was not their department and that I would have to fill out the form on the website for credit disputes. When I pulled up the page, it said that XXXX policy dictates that they will not remove accurate information from credit reports. regardless of dispute. When I read this to the debt collector on the phone, she reiterated that she wanted to make sure payment was collected so no further delinquencies would be reported. I did make the payment in full. They said that an investigation would be completed if I were to submit a credit dispute to XXXX XXXX, but in the interim, my credit score dropped almost XXXX points. Furthermore, following the phone call, I immediately tried to submit the form on XXXX, but each attempt to submit resulted in an error message on their website ( INSERT ERROR LANGUAGE ). 

My credit score has dropped substantially due to no fault of my own. This has ramifications for rentals, job applications, and basic security. When I was made aware of the balance, I paid it in full, as I always do, including all fees assessed with the previously unknown delinquency. 

The Consumer Financial Protection Bureau has listed canceling autopayments without sufficient notice in their Summer XXXX Supervisory Highlights under section 2.2.2. 

The supervisory highlights publication describes this action as institutions engaged in unfair, deceptive, or abusive acts or practices ( UDAAPs ) prohibited by the Consumer Financial Protection Act of 2010 ( CFPA ). 

Supervisory Highlights. ( XXXX, XX/XX/XXXX ). Consumer Financial Protection Bureau. Section 2.2.2 https : //www.consumerfinance.gov/compliance/supervisory-highlights/
Consumer complaint received 2023-07-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NV)

My checking account is being closed with no reason provided. They have frozen my ability to use my debit card and will not allow me to withdraw money. Its too late to have my paycheck deposited into another account, so all of my money will be in that account tomorrow. My mother just passed away. I need access to my funds so I can make arrangements!
Consumer complaint received 2024-05-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

There are accounts from XXXX XXXX XXXXXXXX on my credit report they have been removed from other credit companies this has been going for months they take the accounts then place them back then take them off again just alot of up and down they need to be removed and deleted XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$13000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$19000.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX also XXXX XXXX XXXX XXXX XXXX XXXX {$15000.00} also XXXX XXXX XXXX XXXX XXXX XXXX {$13000.00} and XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} these accounts where removed then placed back cause of address of XXXX XXXX XXXX which Ive never lived of course its would of verified to them its what was used not by myself
Consumer complaint received 2024-05-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MN)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquiries and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

XXXX banks I opened what I was told was a none credit reporting debit card I could put money on to use. After 2 months of having the account open 2 trade lines for this company were added to my credit report. I called the company to close my account and have the trade lines removed as they did not disclose they were credit cards. I told them that there was also two trade lines reporting. They agreed to close and remove trade lines but they only removed 1 and are insisting there isn't a second one when I can clearly see it being reported. They also updated it to a XXXX limit and an active account.
Consumer complaint received 2023-08-10
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. (TX)

I sent a letter last XX/XX/XXXX to remove/block he listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$17000.00} XXXX XXXX Balance : {$430.00} XXXX  XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX 2021