davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

I have a charge off with Kohls/Cap One showing up on my credit report but when i call them they can't find my account. I also have a collection for Kohls on my report and when i have called to find out about it they tell me that it's past the statute of limitations and they can no longer collect. I can't seem to get this account removed off my credit report or at the very least paid. Can someone please help me to get this removed. I have tried to get this resolved but had no success.
Consumer complaint received 2017-05-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (MD)

I have written to t he Consumers Affairs about this agency several times about the tactics of this collection agency. They keep inserting negative medical information in my credit report. I am in dispute with this medical facility. My insurance company is involved in the dispute. I will also be reporting Trans World to the governmental agency that handles HIPAA violations. I informed TransWorld via this site that I was not giving them permission to access my medical records. They accessed my medical reco rds anyway in detail.      XXXX  Acco  unt Owner : Individual Account.
Original Amount Owned : {$710.00}
Consumer complaint received 2023-01-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc. (WI)

Aidvantage has not provided me with the information for the transfer I requested a year ago. I asked them to send me a list of all payments I made, along with my balance information. They never sent it. I have kept track of what I owed, along with all my payments over the years. My original balance when transfered to them from fedloan was XXXX. I made XXXX worth of payments, which reflect in my accounts. However, they stated there was a payment reversal on those, there were not. Then they added XXXX dollars to my balance as an adjustment for no reason. I do not owe this money. I had paid that much before my balance was transferred to them. I need my balance corrected and would like to be switched to another servicer as this one is fraudulent. I have had nothing but issues since they took over.
Consumer complaint received 2023-05-13
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. (TX)

Please remove the following account from my credit report due to the agreement that I had with the creditor that once paid it would be deleted. The account is XXXX XXXX. I have already informed the credit bureaus that this account was supposed to be removed in XXXX. This is my final request before I report this issue to the XXXX  and possibly seek legal action.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CITIBANK, N.A. (AZ)

I am writing to formally request a copy of the Form 1099-C ( Cancellation of Debt ) related to my account, which was charged off. Pursuant to Section 6050P of the Internal Revenue Code, I am entitled to receive this document for accurate tax reporting purposes.

Additionally, I am writing to express my serious concern regarding the ongoing adverse impact of the charge-off associated with my account on my credit report. This continued reporting may potentially violate provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 623 ( a ) ( 3 ), which stipulates that information reported must be accurate and not misleading.

In light of the aforementioned concerns, I am formally requesting the following actions be taken : * Provide me with a copy of the 1099-C for the referenced account within 30 days of receiving this communication, as mandated by Section 6050P of the Internal Revenue Code.

* Rectify the status of the charge-off on my credit report to ensure compliance with the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), which requires that information reported is not outdated and is accurate.

Failure to comply with these requests may constitute violations of applicable federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other relevant regulations. It is my sincere hope that we can resolve this matter amicably and avoid any further escalation.

Your prompt attention to this matter is appreciated. I look forward to a swift and equitable resolution.
Consumer complaint received 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (IL)

XXXX XXXX ran my credit XX/XX/2023 with 3 creditors. Then the following day they ran 7 more creditors without my consent. 

I found out when I received a credit alert. 10 inquires is wrong.
Consumer complaint received 2023-05-13
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. (NV)

I am writing to dispute the accuracy of the information in my credit report with your agency. Pursuant to Section 604 of the 15 U.S. Code 1681B, I am entitled to a fair and accurate credit report. After reviewing my credit reports from all three credit bureaus, I have identified several errors which are detailed below : EXPERIAN : Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIFTH THIRD FINANCIAL CORPORATION (PA)

I received a notice from XXXX XXXX that a new hard inquiry showed up on my account from Fifth Third Bank today ( XX/XX/2023 ). I have not applied for any credit cards or loans recently, let alone today while I was at work all day.
Consumer complaint received 2024-03-27
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC. (MI)

I comprehend that as per FCRA 605B, it's mandatory to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I've observed discrepancies in several listed accounts, which is worrisome to me.
Consumer complaint received 2023-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

This a follow-up on multiple complaints submitted on this company. I went through a successful 12 month repayment plan. I attempted to apply for a modification prior to the expiration of the repayment plan and was told to wait for the expiration of the 12 months. You will find this in my prior complaint results. I waiting until the repayment plan expiration, applied, and was immediately denied for any workout option without any explanation.
Consumer complaint received 2023-07-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (FL)

XXXX is apparently buying up medical debts that Americans have either already paid and/or debts that have been marked by credit bureaus as being mistakes, because they are doing so via their collection demand to me ( Reference Number XXXX ). 

I previously submitted several CFPB complaints about this same issue including via CFPB complaint number XXXX when Credit Collection Services was baselessly attempting to collect this debt from me. XXXX previously also responded via CFPB complaint number XXXX that the improper collection attempt was removed from my account. These matters were resolved over a year ago, yet XXXX has now popped into the picture illegally pursuing an amount that I do not even owe. 

Both XXXX and Credit Collection Services specifically acknowledged that this debt was erroneous. However, they apparently ended up selling this illegal debt to XXXX who is now illegally attempting to collect it from me. Either XXXX knows it can not actually legally collect these amounts, but buys up these debts hoping it can do so, or Credit Collection Services lied to the CFPB stating that the amounts were no longer going to be collected, but then sold the debt to XXXX.
Consumer complaint received 2017-03-31
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC (GA)

Cavalry portfolio services have placed a open collections on my credit report XX/XX/XXXX. This is a re-age collection that was re-added to my credit. the original creditor was XX/XX/XXXX XXXX card.this information is FALSE because the card was never open XX/XX/XXXX.
Consumer complaint received 2023-05-13
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. (TX)

On XX/XX/2020, I sent a letter to Experian, XXXX, and XXXX disputing an account that should have been removed from my credit report after the account was paid off, but it is still reporting. I have allowed the credit reporting agencies more than enough time to investigate and remove the account, but they have ignored my request. I contacted the creditor and they stated that no one reached out to investigate the account so why is this still reporting on my account? I am demanding that the account XXXX XXXX XXXX is removed from my credit report within 15 days. If this account is not removed, I will seek legal action for violation of the FCRA, negligence, and distress due to incorrect information. Also, the creditor agreed for the removal of this account once it was paid off. Please see the attached letters that are dated and time stamped.
Consumer complaint received 2023-02-12
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: Experian Information Solutions Inc. (IN)

On XX/XX/XXXX I contacted Experian about the following negative accounts XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX, Balance : {$100.00} ), XXXX  XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} ), XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} ), XXXX XXXX  ( Date Opened : XXXX XXXX, XXXX, Balance : {$9100.00} ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2017-07-17
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO. (CA)

This is the second Cease and Desist letter that I have sent to   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on   XXXX   XXXX  , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the   XXXX   XXXX   XXXX   XXXX   by JP Morgan Chase who is not a party to my Adjustable Rate Note and my Deed of Trust.
I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter.
I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.
Consumer complaint received 2017-08-16
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. (IL)

7 years ago, someone hacked my credit and stole my identity posing as me but without my full legal name ... I have written to all 3 credit bureaus and repeatedly they have showen negligence in removing fraudulent items from my report. My initial letters, police report listing fraudulent items & FTC affidavit were mailed to them XXXX,2017. It has been over 45 days, the legal amount of time they have to investigate the items. The following items are still fraudulently being listed on my credit report under Experian and Transunion. No legally required notorized verification was provided to me showing that these items are mine nor proof from the lenders, which is required to be sent in the 1st 45 days of a dispute and then the bureaus must be sent to me with notorized proof they are mine. Neither of these have been done. I would like these items removed. See the following :
Consumer complaint received 2023-05-13
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. (CA)

This is my eighth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$17000.00} ; XXXX XXXXXXXX XXXX XXXXXXXX ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX  Balance {$720.00} ; XXXX XXXX XXXX Inquired on XX/XX/XXXX.
Consumer complaint received 2017-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (CA)

This case has been going on for 20 years, there is NO debt that they, attorney   XXXX   XXXX   XXXX   and the company   XXXX   XXXX   XXXX  , as debt collectors could have EVER attempted to collect and have failed and refused to produce the original documents from the alleged XX/XX/XXXX  judgment of {$4000.00}. Since this debt was settled paid in full in  XXXX , TWO YEARS BEFORE the alleged filing of the claim, they can not have a claim without their admitted CONTINUING EXTRINSIC FRUAD with the presumptively inadmissible product and evidence of admitted fraud and now attempts to collect {$13000.00}. In earlier rulings by the court involving   XXXX   XXXX   XXXX   (   XXXX   v.   XXXX   XXXX   XXXX   ), numerous
Consumer complaint received 2023-01-03
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I first reached out to Transunion, XXXX and XXXX XXXX of 2022 regarding inaccuracies on my credit report with my XXXX account. They are reporting inaccurate information from open dates, last report dates, high credit limit, date last active and date of last payment. All of which are inaccurate and unfair to me. I sent certified letters with copies of my credit report and the inaccuracies circled and they have refused to remove them. I keep receiving letters that they have verified the accounts and that everything is accurate. I have reached out to them on multiple occasions and continue to get the same response. Most recently on XX/XX/2022, I mailed out affidavits certified to all three credit bureaus with a copy of the inaccurate information once again and they mailed me letters saying everything had been verified.
Consumer complaint received 2023-05-13
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. (MD)

It has been brought out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX, XXXX XXXX XXXX Balance : {$32.00}, XXXX XXXX XXXX Balance : {$21.00}, XXXXXXXX XXXX XXXX Balance : {$69.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2017-05-11
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. (VA)

XXXX   XXXX  SS #  XXXX  dob  XXXX / XXXX /  XXXX     XXXX   XXXX   XXXX    XXXX  VA  XXXX   XXXX , Equifax and   XXXX   will not correct my   XXXX   XXXX   account The credit limit is not correct and the balance is not correct the Credit limit is {$10000.00} and balance is  XXXX  see attached docs please update and correct my credit limit to {$10000.00} and my balance to  XXXX
Consumer complaint received 2023-08-22
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)

In accordance with the fair credit reporting act, this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604A section 2 it also states a consumer reorting agency can not furnish an account without my written instructions. Under 15USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Consumer complaint received 2023-05-13
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. (IL)

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXXXXXX XXXX XXXXXXXX Balance XXXX {$0.00}
Consumer complaint received 2016-09-16
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Account Outsourcing Group, LLC (CA)

On XXXX XXXX, 2016, at XXXX I was called from XXXX XXXX, the company name is Account Outsourcing Group. I was sick that day and was very annoyed that they did not call between XXXX and XXXX as directed by 15 United States Code Section 1692c. When I communicated that it was against the law to call my phone that early, the caller stated that it was XXXX where she was calling from and I stated that I was in California and it is XXXX here. Therefore, I asked to speak to her supervisor and she put XXXX XXXX on the phone and I communicated the information to her, then she got extremely rude, said they have no record of my number, and hung up. I have a record on my phone what date and time I received the call.
Consumer complaint received 2017-07-16
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Santander Consumer USA Holdings Inc. (FL)

Santander has failed to report my monthly payments to all   XXXX   credit bureaus.I 've contacted Santander through mail and through phone but I was given the run around. I want my loan lease to be reported every month or else I will change my car loan finance.
Consumer complaint received 2023-05-13
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. (AL)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXXXXXX Balance {$5700.00}