davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-02
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. (GA)

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX  XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX Account Number : XXXX Delete this account. 
4. there is some inaccurate information reporting XXXXXXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current. 
5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting DEPTEDXXXX Account Number : XXXX Delete this account. 
7. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY DEPTEDXXXX  Account Number : XXXX Delete this account. 
8. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS DEPTEDXXXXXXXX Account Number : XXXX Please remove it from my credit report. 
9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX  Account Number : XXXX Delete this account.
Consumer complaint received 2024-03-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC (NJ)

During the month of XX/XX/year> I received letters from CAVALRY SPV LLC that I owed them around {$930.00} for credit card debt. I asked them to validate the debt by requesting from them to send me information on the validity of the debt by providing me a contract between me and them with my signature on it that I owed them the money. They never sent me the contract. I requested it again and gave them the opportunity to Cure and they again never sent it to me and then they sued me. This is NOT right ; I was trying to work with them by asking them to send me a written contract that I owed them the money and they never sent me the contract and just neglected me and sued me and ruined my credit. This is unfair practices on their part in accordance with FDCP and not right. I understand my rights under 15 U.S.C 1681 section 602 A which states that I have the right to privacy and 15 U.S.C 1681 section 604 A Section 2, which also states a consumer reporting agency can not furnish an account without my written instructions. Please help me with the unfair practices and tactics that CAVALRY SPV LLC is taking on me and ruining my life as well as my credit.
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Cascade CISS Holdings, LLC (NJ)

There are 3 inquiries on my credit File on XXXX Credit Bureau. 
This Inquiries were not authorized by me. 
Please remove it from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XACTUS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2024-05-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc. (CA)

I have no contract with National Enterprise Systems, I do not know how they obtained, t my personal information. The law states. Can they please provide me with my any documentation giving them consent to contact me, and provide any contract I have with them with my wet ink signature. This debt is not mine.

18 U.S. Code 1028A - Aggravated identity theft-a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

I have not given my authority or consent to possess my personal information. Furthermore this alleged debt collector is in violation of the following FDCPA Laws : 15 United States Code 1692c- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692d - Harassment or abuse- ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

15 U.S. Code 1692f - Unfair practices- ( 7 ) Communicating with a consumer regarding a debt by post card.

15 U.S. Code 1692f - Unfair practices- ( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.

As a reminder You are in violation of the FDCPA and you are binded by the arbitration agreement of the original XXXX XXXX XXXX. I know you paid pennies on the dollar for this debt and do not want to pay fees to initiate arbitration. I am giving you this one last chance to remove this debt, and do not resell this alleged debt or I will begin the arbitration phase. You have been put on notice.
Consumer complaint received 2024-03-27
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (MI)

I started service with XXXX XXXX XXXX but was mislead by the selling agent to switch from my at the time carrier to XXXX XXXX XXXX. I was promised so much and got none of the things promised including a less expensive plan than what I had currently had. They had sent me new phones to complete transaction. This forced me to switch back to my old carrier and send them their equipment back. I did and called to follow up to make sure their equipment was delivered. I had sent back by USPS with the following tracking numbers for ( 3 ) phones : 1 ) XXXX XXXX ) XXXX XXXX ) XXXX They were sent back to XXXX XXXX XXXX fulfillment center. According to the representative they had received all equipment XX/XX/XXXX in which they adjusted my amount owed to {$370.00}. But soon after I kept getting billed for the equipment. On XX/XX/XXXX they called and said I had owed {$1800.00}. I called and spoke to a representative on XX/XX/XXXX at XXXX XXXX  and stayed on the phone for 16 minutes trying to get an understanding. They were being rude and obnoxious to me saying that I owed this amount. I finally was able to speak to a manager how looked into my case and seen they received their equipment and made the proper adjustments. They told me to call back in 15 days and this will reflect. So here we are in XXXX of XXXX and this company had sent sold my account to a debt collector by name of XXXX XXXX in Utah. So I called XXXX XXXX XXXX to just on XX/XX/XXXX and let the agent know I was recording and stayed on the phone for over and hour to get them to fix and contact the debt collector of Prince Parker who has been harrassing me for a bill that's not owed.
Consumer complaint received 2024-03-10
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation (CA)

I am getting a service charged for an account maintenance fee of {$5.00} every month. I don't see them doing anything special to be charging this fee. It's the same as other companies and oother credit card companies are not charging me an account maintenance fee. This company is already charging a XXXX XXXX interest on my balance. I feel this is a rip off
Consumer complaint received 2024-03-07
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: Velocity Portfolio Group (NY)

I sent XXXX a letter requesting they verify my account information. They responded on XX/XX/24 that the account has been sold to Velocity Investments LLC. I then asked them to provide me with my account information and how they went about verifying my account and they only referred me to Velocity Investments LLC for more information. The issue is that Velocity Investments is not reporting any account to the Credit Bureau, XXXX  is the one reporting the information to the Bureaus.
Consumer complaint received 2024-03-01
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: EQUIFAX, INC. (GA)

I have written Equifax and XXXX multiple times in requesting removal of erroneous collection accounts, old addresses, old phone numbers, old employers be removed credit report ( XXXX ). XXXX recently removed all the requested information and updated my credit profile. 

I have submitted to each credit bureau copies of my identification, and social security number as per each request. I have made numerous phones calls the merchant that reported the error on file to the collection agency XXXX XXXX to no avail. They refused to return phones calls. There is no address or email address on their website to write to them. 

I have asked all three credit bureaus to provide in writing proof of contract with my signature from these collection agencies within a reasonable amount of time. XXXX did not respond at all to my last correspondence and Equifax is asking again for proof of identification and social security card again. 

I am NOT re-sending any anymore identification information. I've attached the correspondence letters to between myself and both Equifax and XXXX. The first letter from these credit bureau 's claimed that I reported identity theft. I did NOT report any such thing. Then, they each sent me copies of my credit report containing the same errors. 

This has been going since XX/XX/2023 with letters back and forth. I was denied an apartment therefore currently residing with relatives. This is a temporary arrangement. But I implore the assistance of the CFPB to please step in to get this issue resolved by investigating or enforcing removal of these collection accounts from my credit report.
Consumer complaint received 2024-02-17
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (NJ)

I received a confirmation letter form Mohela stating that I have made XXXX out of the XXXX qualified payments towards my student loan forgiveness ( I've attached both letters ). I called Mohela and was told that all I have to is wait for Federal Student Aid to authorize my cancellation. I also contacted Mohela through their online portal and was told that they are waiting to receive confirmation from Federal Student Aid that my loans can be forgiven through the Public Service Loan Forgiveness Program. My online Mohela tracker has also been updated to reflect that I made 122 out of 120 payments. However, I received an email from from Mohela on XX/XX/2024 stating that I am not eligible because I have not made 120 payments ( email attached ). This is incorrect, because Mohela has already confirmed that I have made 122 qualifying payments and they confirmed that I am working over 30 hours a week at an eligible employer.
Consumer complaint received 2024-05-16
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE (NY)

I was told by an agent I could upgrade my card to a XXXX able to be used anywhere. However, when following the steps provided to upgrade, there was no option available. Contacting service again, I was told the only way to receive a XXXX is to apply for a new card. I find that unacceptable, as I know others with the Gap card who have had their account upgraded to a XXXX. I ask that my complaint be forwarded to the person with the authority to convert my store card to a XXXX.
Consumer complaint received 2024-05-15
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

MY ID WAS STOLEN SOMEONE OPEN UP A XXXX  ACCOUNT UNDER MY NAME FRAUDULENTLY THE ACC WAS OPEN IN XXXX JEFFERSON CAPITAL IS TRYING TO COLLECTION {$1000.00} ON A FRAUD CHARGE FILED FTC REPORT # XXXX PLEASE REMOVE RIGHT AWAY
Consumer complaint received 2024-06-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I have made several attempts to inform the following companies know these accounts were opened fraudulently. These companies are in violation of U.S 1666B and also each violation carries a {$1000.00} fine per violation of my rights. 

XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$12000.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$110.00} XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance {$14000.00} XXXX  Account XXXX XXXX Opened XXXX XXXX Balance {$710.00} XXXX XXXX Account # XXXX Opened XX/XX/XXXX Balance {$2300.00}
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc (NY)

My account was randomly closed on XX/XX/XXXXXXXX XXXX XXXX. I had XXXX in my account. I contacted chime to see will i receive a refund. I spoke to different people who gave me different excuses. Until this day I still have not received a refund!
Consumer complaint received 2024-02-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA (WA)

On XX/XX/XXXX and XXXX, I received the attached letters from Moehla which makes zero sense to me. In addition, on XX/XX/2024, they sent me a bill stating that I needed to make a payment for XX/XX/2024, which I did on XX/XX/XXXX. I found out today that they applied it to XXXX still showing that I owe for XXXX. There wasn't a bill for XXXX because our loans were placed on hold due to their mishandling of our accounts. I want them to apply the payment ( made in XXXX ) for XXXX and forgive the loans that ended last XXXX which I listed on my last complaint. These individuals are crooks.
Consumer complaint received 2024-05-15
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: SOP Pioneer Partners LP (LA)

Pioneer Military Loans is not honoring Louisiana XXXX, Louisiana statute XXXX to my loan. I have provided the above statute on other loan companies and have credited my account and adjusted the new rate. Company states federal XXXX application notes but will not comply with state law Subsection A and onward A. Notwithstanding any provision of law to the contrary, no creditor in connection with an obligation entered into on or after XX/XX/2005, shall charge or collect from a person, or spouse of a person, who is on XXXX XXXX interest or finance charges exceeding XXXX percent per annum during the period that the person is XXXX on XXXX XXXX. 

XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (TX)

I am confused on what has happen. I looked up the debt i have never lived anywhere other than the home i have been in for XXXXyears. So i am confused on how my information was attached to this.
Consumer complaint received 2024-01-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-05-15
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (MI)

I filed a dispute with chime concerning unauthorized charges and they are not following their own policy and have not provided any type of credit or compensation while claiming to investigate the case.i called XXXX times telling them I needed my money because I was homeless with XXXX XXXX girls and they continuously neglected and disregarded my situation.the initial dispute was denied within XXXX hrs and I had to file a rebuttal and still didnt receive any progress they hadnt even contacted the merchant.
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc. (FL)

In accordance with the fair credit reporting act this creditor SBNASELFLNDR ACCOUNT # XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment a credit card account under an open end consumer credit plan as late for any purpose Please Supply Me With Information That Was Used To Verify The Item ( S ) Or Delete The Late Payments
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC (NY)

Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.
Consumer complaint received 2023-05-15
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (AL)

I recently discovered that one of my creditors has re-added a previously deleted item to my credit report, which is a violation of the Fair Credit Reporting Act ( FCRA ). This has caused significant damage to my credit score and financial situation. Despite disputing the re-added item, the creditor has failed to remove it from my credit report. As a consumer, I am now considering filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to protect my rights and seek resolution to this issue