davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Apelles, LLC (FL)

I recieved a letter to pay a amount to Apelles Now. I have no business with, no contractual agreement nor have I recieved proper discloure to opt out of this type of adverse reaction per : XXXX XXXX XXXX - FORM OF NOTICE TO CONSUMER ; OPT OUT METHOD. This leads me to believe that my personal business and information was compromised and shared which is a violation of : Fair Credit Reporting Act : XXXX XXXX XXXX - IDENTITY THEFT & SEC. XXXX AFFILIATE SHARING *** THIS IS YOUR NOTICE TO CEASE & DESIST ( ALL ) COMMUNICATIONS. Attached is copy of A PRINTOUT THAT THIS COMPANY SENT REQUESTING PAYMENT FROM ME/ OFFER TO PAY. 

This is mail fraud ; Fair Debt Collections Practice Act violations : XXXX XXXX XXXX ( XXXX ) - Harassment or Abuse XXXX XXXX XXXX - Determination of finance charge XXXX XXXX XXXX ( XXXX ) - Unfair Practice XXXX XXXX XXXX - Furnishing certain deceptive forms XXXX XXXX XXXX - Civil liabilty. 

I understand your company is liable to pay me for each violation noted in this complaint for damages sustained that the court may allow but not exceeding {$1000.00} per violation. I would like to excerise my rights to the fullest extent.
Consumer complaint received 2024-03-09
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I am disputing the monthly statement and loan activities on Account XXXX. 

PennyMac Loan Services is in violation of Performance or Acceptance under Reservations law, UCC 1-308 and has neglected their Fiduciary Duties and has not performed the processing of negotiable instrument Accepted on XX/XX/24. ( Via Register Mail XXXX XXXX XXXX XXXX ) also violating the XXXX XXXX. 

A mortgage is a dead pledge, is it not? 

Ive notice fraudulent activities on Account XXXX, I see Escrow payments being made to foreclosure Attorneys that We the true beneficial holders and Authorized Representatives did not Authorize. PennyMac Loan Services LLC is in Violation of the Truth and Lending Act 15 USC 1666 and the Securities Exchange Act.

PennyMac needs to explain the payment for {$19000.00} made to XXXX where was the payment applied? 

PennyMac Loan Services needs to explain why would the beneficial holders be paying for an adverse action against an account thats been settled with a negotiable instrument and registered securities? See UCC 3-104, Negotiable Instrument, UCC 1-308 and UCC 3-603 Tender of XXXX. 

XXXX also requested a special deposit of the original contract? when will the Trustee perform? After PennyMac Loan Services LLC initiated Foreclosure they have failed to correspond to special indorsement instructions.

I believe PennyMac Loan Services is committing securities fraud and identity theft against XXXX XXXX and XXXX XXXX. PennyMac Loan Services , LLC and Trustees need to respond via Affidavit of Truth notarized proving that they are in fact the lenders of the original loan and they are in fact the beneficial holders and authorized representatives on behalf of the Account Holders.
Consumer complaint received 2024-03-10
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P. (IL)

On XX/XX/XXXX I wrote a letter to XXXX asking this credit bureau to take a look at an account on my credit profile ( LVNV Fundung LLC. with an open balance of {$900.00} ). In which I disputed as inaccurate. XXXX sends me the consumer a notice that this account meets FCRA requirements. Which governs access to consumer credit reports and PROMOTES ACCURACY, fairness and the privacy of personal information. 

I received notice on XX/XX/XXXX that the information LVNV Funding LLC, Filed a complaint listing me as the defendant on XX/XX/XXXX. 
I filed a for more information or the Validity of this alleged debt on XX/XX/XXXX. 
LVNV did not file an answer or respond to the motion in the request for the information in which I asked. INSTEAD the company ordered the court to DISMISS the case on XX/XX/XXXX. 

XXXX XXXX Canceled/Vacated on XX/XX/XXXX. 

It is now XX/XX/XXXX and this alleged debt is STILL on my consumer credit profile that LVNV continues to report to the consumer reporting agencies violating my rights as a consumer by reporting inaccurate information that is being harmful to my reputation. This case has been dismissed by the Plaintiff LVNV with no regards to documents requests, in the validity of this alleged debt. This account should no longer be reported on my consumer credit profile.
Consumer complaint received 2024-02-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (TX)

Since XXXX I have been disputing the debt with Jefferson Capitol Systems. I have asked them several times to validate the debt by debt collection laws. They have since failed to do so. This debt originated while I was overseas and was not mine. I paid the debt in a settlement and they have yet failed to provide a payment history to show that the debt had an open balance remaining. The original company, XXXX XXXX XXXX is a loan service to only military members with high-interest rates and are forbidden to be used. I know who obtained the loan and unfortunately, they used a POA to obtain the loan. The company has since shut down and opened under another name. This company keeps taking the debt off my credit report after validation of the debt and adding it back as a collection to avoid the time bar as well as the reporting requirements. The debt was settled in XXXX, and in XXXX, if a debt was owed, and I reside in Texas, they needed to cease collection for a time-bar of 4 years. They also are failing to provide validation of the debt to prove this is a valid debt. They are also deleting the debt from my credit report after each dispute and adding it back with an invalid date to attempt to keep it on my credit report. The creditor is potentially causing negative impacts on my worthiness to obtain credit by adding in invalid debt as a collection. They have sent me numerous attempts to settle and delete for much less than desired and I will not allow that. This is an invalid debt and they have yet to prove its validity. I request that they stop trying to collect on the debt as well as it be removed from all 3 credit reports permanently.
Consumer complaint received 2024-02-15
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Dear Customer Support, I trust this letter finds you well. My name is XXXX XXXX XXXX, and I am writing to urgently address a persisting issue regarding my credit card account with your company. 
Since XX/XX/2023, I have been dealing with a concerning situation where I discovered an unauthorized balance on my closed account with Venture One Capital, under account number XXXX. The original credit limit on this card was {$4500.00}, and to my surprise, I found that the account had been closed, and an outstanding balance of {$11000.00}, including growing interest, was reported. 
I want to emphasize that I have not taken any loans or made any transactions leading to this balance. The associated card number ends in XXXX. Despite my numerous attempts, making over 40 calls to your customer service, unfortunately, I have not received any satisfactory explanation or resolution to this matter. 
This situation has caused considerable distress and confusion on my part. I recently recalled a past conversation with Customer Service where I reported issues with payments made to a vacation company using my Capital One card, ending in XXXX. Subsequently, a dispute was initiated without my full understanding, leading to the closure of my account. I am now aware that Capital One has taken action, but I am unsure about the details. 
I kindly request a thorough investigation into the matter and a prompt resolution to correct the unauthorized balance on my closed account, along with the associated interest charges that have accrued since XX/XX/2023. 
I appreciate your prompt attention to this matter and request that you respond to this concern at your earliest convenience. If necessary, please provide a contact person or department that can assist in resolving this matter efficiently. 
Thank you for your understanding and cooperation in addressing this urgent matter. 
Sincerely, XXXX XXXX XXXX
Consumer complaint received 2024-03-26
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)

This grumbling to XXXXXXXX was the aftereffect of their rebelliousness to my solicitation and for their refusal of getting the things, recorded underneath, to be taken out from my credit reports. They did not remove my request, which I thought was against the rules of the Federal Credit Reporting Act, nor did they respond to it. As a result, I am writing this complaint to ask for help blocking or deleting the items in question because they found to be illegal and incorrect. I have also attached the FTC reports to support this complaint with the FTC numbers XXXX ; XXXX and XXXX
Consumer complaint received 2024-02-07
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paramount Recovery Systems, L.P. (TX)

This company did not contact me in any means in regard to this debt. I got an alert with my credit monitoring so I reached out to them. The lady which did not give me her name, she hung up when I asked for her name. 

She stated they tried reaching out to me .... Never happened. 

This company they are trying to collect for XXXX I have disuted this debt as fraud numerous times, just recently XXXX and had it removed from all three of my reports and now they are hiring another company to add it to my file without any burden of proof. 

I have begged for any proof of evidence that this is my account because it is not.. 

XXXX XXXX XXXXXXXX nor Paramount recovery has povided any factual data linking this debt to me and refuses to provided any details other than an account number XXXX >>>> no dates of said action just teh account number. 

I will be seeking legal action against XXXX XXXX XXXX and Paramount Recovery Systems if this is not removed from my credit file ASAP
Consumer complaint received 2024-02-09
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. (FL)

Discovering unauthorized accounts on your credit report can be concerning. Here 's what you can do : 1. **Review Your Credit Report Thoroughly** : Look for any accounts or transactions that you didn't authorize or recognize. 

2. **Contact the Credit Bureaus** : Notify the credit bureaus ( XXXX, XXXX, and TransUnion ) about the unauthorized accounts. They can help you dispute these items on your report. 

3. **File a Dispute** : File a dispute with each credit bureau for the unauthorized accounts. You can usually do this online through their respective websites.

4. **Contact the Creditor** : Reach out to the creditor associated with the unauthorized account and inform them of the situation. They may require documentation from you to prove the account is fraudulent.

5. **Place a Fraud Alert or Credit Freeze** : Consider placing a fraud alert or credit freeze on your credit reports to prevent further unauthorized accounts from being opened in your name.

6. **Monitor Your Credit** : Continue monitoring your credit reports regularly to ensure no further unauthorized activity occurs. 

7. **Consider Legal Advice** : If the situation escalates or becomes complex, consider seeking legal advice to protect your rights and resolve the issue effectively. 

Taking these steps promptly can help you address the unauthorized accounts and protect your credit. here is the accounts : XXXX  XXXX # XXXX XXXX XXXX # XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (OH)

Experian claimed to have verified a fraudulent bankruptcy listed on my account as accurate how is this possible I contacted the US bankruptcy XXXX and they informed me they never report to any credit bureaus or never give any information to credit bureaus, I also contacted XXXX XXXX who claimed they have no bankruptcies they report to Experian these accounts bankruptcy, XXXX XXXX and XXXX XXXX XXXX need to be block due to ID theft 605B also a new police report was uploaded
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KS)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-08-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (KS)

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.
Consumer complaint received 2023-10-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CBC Companies, Inc. (CO)

XXXX BANK XXXX OPEN XX/XX/XXXXXXXX  XXXX XXXX  XXXX OPEN XX/XX/XXXXXXXX  BOTH ACCOUNTS WERE REPORTED AS ID THEFT XX/XX/XXXX. 

BOTH ACCOUNTS WERE DELETED FROM MY REPORT XX/XX/XXXX. 

SEE ATTACHED DELETE CONFIRMATION. 

BOTH ACCOUNTS HAVE RE APPEARED ON MY REPRORT.
Consumer complaint received 2024-01-14
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 (MN)

I disputed an {$11.00} charge from XXXX through discover card. I tried to dispute with XXXX but no such charges were associated with my account, so they weren't able to find the associated invoice. I reached out to Discover in XX/XX/XXXX and Discover denied my request for refund/reapplied the charges. This is a reoccurring charge since XX/XX/XXXX, so there were seven invoices of {$11.00}. They were able to send me an invoice copy and I can immediately see it's a person who doesn't exist at an address that also doesn't exist, so very obviously fraud and not attached to me at all. It's kind of weird that they would have a live person look at the invoice who could just quickly XXXX and see this address does not exist, but still say it's a valid charge? I shouldn't have to eat this cost, that's why I use a credit card. 

It's tied to a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This location doesn't exist so how is it a valid charge. I don't know this person, obviously. This is such a stupid situation lol. How did someone miss this? First thing I did was google it! 

I want to note that my maiden name is XXXX, my legal last name is XXXX. This is important to line up the accounts as I'm not able to update my account information within consumer finance.
Consumer complaint received 2024-03-26
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: Experian Information Solutions Inc. (GA)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2024-02-09
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc. (PA)

On XX/XX/2024 I applied for a travel credit card through XXXX that was to pay me 5 % cash back on travel purchases. I charged {$3100.00} on that day. About a week later ( upon receiving my physical credit card ), I attempted to utilize the card to charge payment to a hotel, but was turned down. Upon calling, I was told my account was frozen because of possible fraud. 
In order to fix it, I was told I needed to send copies of a drivers license, Social Security Card, and a utility bill within an e-mail. Luckily, the people at XXXX were willing to do this for me, because I have no idea ( I am XXXX XXXX XXXX ) how to do that. 
When I asked about my cash back, I was told I needed to be verified in order to find that out. 
I would expect Comenity Bank still expects payment while this investigation is going on. I believe I am also entitled to the cash back in a timely manor. Either they are dragging their feet to avoid paying me the money I am entitled to or they are gathering more information on me to sell. Either way, I believe they are intentionally delaying payment and Ill bet I will need to jump through many more hoops in order to receive the money I am entitled to simply by using the card. 
On XXXX XXXX I called for the fourth time. I was told they did receive the email containing my information. They said it would be reviewed and I would be notified in about XXXX days as to their findings. However, about an hour later I got a letter from Comenity with detailed instructions on how to e-mail the information. It specifically stated the information needed to be emailed as a PDF and that both sides of the SS card needed to be sent. I am guessing they will reject my information because of some formality. 
In a normal world I would expect them to quickly get me the rebate I am entitled to, but am betting this will not be the case. 
On XXXX, XXXX I mailed payment in full to Comenity Bank. I also began this complaint against them with the Consumer Financial Protection Bureau. 

The reason I began this complaint is because I do not expect Comenity to do the right thing by getting my cash back to me without extra urging by the Consumer Financial Protection Bureau. I do not intend to ever use this credit card again so I can really care less about their actual findings. Again, the cash back is the issue.
Consumer complaint received 2023-03-10
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. (NJ)

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX 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 2024-03-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (GA)

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. 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 2024-03-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HW Holding, Inc (MD)

This person is reporting on my credit profile they are not liscenced or bonded to collect in my state. Extorting different amounts of one asking {$32000.00} and another asking & XXXX actively reporting most Recent dates as of XX/XX/2024 I have requested company to provide me with original agreement from original purchaser.
Consumer complaint received 2023-08-12
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: EQUIFAX, INC. (DC)

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, Equifax and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$390000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX Balance : {$12000.00}
Consumer complaint received 2024-03-26
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. (TN)

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 inquires and update these accounts accordingly to avoid future litigation.