davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-12
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company XXXX XXXX is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my XXXX XXXX. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS and MY HIPPA RIGHTS according to the FCRA section 609. This  company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

Furthermore, XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX SSN : XXXX XXXX XXXX : XX/XX/1994
Consumer complaint received 2020-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC. (MS)

The company name is Wakefield and Associates. I have attempted to contact this company as they are reporting a total of 3 different collections on my credit reports. I am unable to even get a resolution or information on the debts they are alleging against me. 

The following debts are : {$1100.00} {$170.00} {$110.00} I don't even know what form of debt this is, nor have I receive any correspondence. It is a shame how these companies and credit bureaus can just list anything on your credit, but we as consumers can never resolve. I even went thru a credit company for assistance.
Consumer complaint received 2023-03-16
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 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 3 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 Balance : {$37.00}
Consumer complaint received 2020-01-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Student Loan Financial Assistance (CA)

I am writing this complaint about a company Student Loan Financial Assist. 
This company is defrauding the government. This company is telling barrow that they can assist them with there student loans, and they are taking upfront fees that are not being placed into an escrow account. This company is telling barrows that the fees that they are paying are going to the balance of their student loans. This company is also charging barrows monthly fees that range from 8.00 to 75.00 a month. This company is also signing documents that are being sent to the Department of Education on behalf of the barrows. This company is also sending forbearance that is not signed by the barrow but is actually being signed employees of the company. SLFA is also calling the department of education collection pretending to be the barrow and providing them with incorrect information to ensure that the barrow is placed on a XXXX a month rehab plan, The documents that are beings sent to the collection are also not being signed by the barrow but employees of the company. The employees are told to do this by the Manager of the company. This company is also creating online accounts with services such as XXXX XXXX, XXXX XXXX, At one time this company was login on XXXX to complete the application, but that has now stop, and they are just sending paper application using an expired form and signing the application as the borrow without the barrow knowing. They are also using incorrect family size they are also stating that the barrows are unemployed when they actually have income.
Consumer complaint received 2020-01-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Thrive National Corporation (TN)

XXXX XXXX XXXX XXXX XXXX XXXX I just got a letter in the mail today stating Are you going to pay this obligation? 

" We have been trying to communicate with you concerning your past-due balance. So far the communication appears to be going only one way. If you continue to ignore us we will assume that it is not your intention to pay this debt. And we will take further activity against you. 

Waiting does not benefit either of us. Contact us immediately to arrange repayment of your debt. 

Okay first of all I never even heard of XXXX XXXX XXXX XXXX first time I've heard anything of them and if they dont leave me alone I'll take " further activity '' against them. And I have called national fitness center to settle my debt and they said they'd get back to me and they never did. I will not be harassed.
Consumer complaint received 2020-01-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

On XX/XX/2019, I was notified by the credit bureaus XXXX, XXXX and XXXX that capital one placed a late payment on my account. I have no accounts with capital one indirectly. The account that was reported late was a walmart card through XXXX XXXX. The card walmart card that received a late pay is closed and all payments for the walmart card is handled through a company called XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX mailed out the payment to XXXX payment center and when the payment was returned they reached out trying to find out why the payment was returned and they were told that XXXX was brought out by capital one and all payments should be directed there. Myself or XXXX never received a letter of stating that the payment address was changed therefore payment was made to the previous payment mailing address as usual. The company is reporting a closed account as a late payment and this is not the case. I have no direct contract with capitalone, if capitalone brought a credit contract out it is their responsibility to send the new payment details to it's clients. This account is not accurate and has reported to my credit report an error. No contract can be verified by this company. I have never had any late payments in my life this is not true what they did. I contacted capital one on this matter XX/XX/2019 spoke to a XXXX who tranferred me to XXXX and XXXX suggested I speak with rich XXXX I contacted rich on XX/XX/2019 and again XX/XX/2019 and no reponse. Hope you can help. Please advise
Consumer complaint received 2020-01-12
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Optima Recovery Services LLC. (TN)

XX/XX/2020 XXXX Optima recovery services llc I just got a letter in the mail today stating Are you going to pay this obligation? 

" We have been trying to communicate with you concerning your past-due balance. So far the communication appears to be going only one way. If you continue to ignore us we will assume that it is not your intention to pay this debt. And we will take further activity against you. 

Waiting does not benefit either of us. Contact us immediately to arrange repayment of your debt. 

Okay first of all I never even heard of Optima recovery services LLC first time I've heard anything of them and if they dont leave me alone I'll take " further activity '' against them. And I have called XXXX XXXX XXXX to settle my debt and they said they'd get back to me and they never did. I will not be harassed.
Consumer complaint received 2020-01-12
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Central Portfolio Control Inc. (CA)

I HAVE BEEN CONTACTED ONCE AGAIN BY : CENTRAL PORTFOLIO CONTROL XXXX XXXX  XXXX XXXX , XXXX XXXX XXXX, MN XXXX WITH A LETTER DATED XX/XX/19. I HAVE FILLED A FORMAL COMPLAINT AGAINST THEM IN WHICH THEY HAD AGGREED TO A CEASE AND DECIST HOWEVER STILL RECEIVED A LETTER WITH INACCURATE INFORMATION ATTEMPTING TO COLLECT ON A FALSE CLAIM. AS I HAVE STATED NUMEROUS AMOUNTS OF TIMES I DO NOT OWE ANYTHING TO XXXX XXXX XXXX XXXX IN FACT THEY OWE ME FOR HAVING ME PAY FOR MY XXXX XXXX  AND XXXX  XXXX, AND COMPLETELY ROBBING US OF OUR OVERAL SCHOOL XXXX EXPERIENCE. THE LETTER SENT STSTES AN AMOUNT XXXX OF WHICH I DO NOT OWE SINCE I WAS PAYING COMPLETELY OUT OF POCKET TO AN AGENCY WHICH RECEIVED PAYMENTS FROM THE SCHOOL I HAVE ALREADY SENT THEM A LETTER FROM THIS AGENCY XXXX IN WHICH THEY STATE NO MONEY OS OWED AND ACCOUNT HAS BEEN CLOSED. ATTACHED IS THE LETTER FROM A : CURRENT CREDITOR '' XXXX XXXX XXXX XXXX. I DO NOT OWE ANYTHING AND THE PAPERS WHICH THEY SENT SIMPLY DOES NOT STATE WHAT THEY CLAI I OWE IN THIS FALSE ILLEGAL SCAMCLAIM THEY HAVE FABRICATED. FIRST THEY SENT INFO WITH A YEAR I DID NOT GO TO SCHOOL THERE NOW THEY SEND THIS WITH IINFO PERTAINING TO PAYMENT SCHEDULE ETC. IF I HAD NOT PAID XXXX WOULD NOT STSTE ACCOUNT CLOSED NO MONEY OWED.
Consumer complaint received 2020-01-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc (WA)

I received a letter dated XX/XX/2020 from a Synergetic Communication , Inc. that says they are trying to collect debt originally owed to XXXX but now owed to XXXX XXXX XXXX , XXXX. It is in the amount of {$250.00}. I do not owe any debt to XXXX, something I verified by calling XXXX and speaking to customer service representatives and a representative from the Recovery Department. My credit reports back this up. 

The letter states that unless I dispute the validity of the debt, the collector will assume the debt is valid. I don't think that is legal since I never owed the debt in the first place. 

The letter states that I can request in writing that the debt be disputed and that they will send me a copy of the judgment or verification. It also says I can request the name and address of the original creditor. I plan to do both.
Consumer complaint received 2020-01-12
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MS)

The company name is XXXX XXXX XXXX. I have attempted to contact this company as they are reporting a total of 3 different collections on my credit reports. I am unable to even get a resolution or information on the debts they are alleging against me. 

The following debts are : {$1100.00} {$170.00} {$110.00} I don't even know what form of debt this is, nor have I receive any correspondence. It is a shame how these companies and credit bureaus can just list anything on your credit, but we as consumers can never resolve. I even went thru a credit company for assistance.
Consumer complaint received 2024-03-04
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA (VA)

My name is XXXX XXXX, and I have applied for Student Loan Forgiveness through Mohela. This issue with my case, is that XXXX is my loan servicer. My account number is XXXX In trying to understand and navigate this process, I have contacted both Mohela and XXXX and there still appears to be a lack of communication on how to process loan forgiveness applications for loans serviced by other companies. Mohela has conveyed that I do not have an account number so I can not provide it. 
I contacted Mohela today and they confirmed that they do have my application for loan forgiveness, however, they have not reached out to XXXX to have my loan sent to them to apply the loan forgiveness. 
When I have contacted XXXX in the past, they have indicated that they have not been contacted by Mohela to transfer the loan. 

While I appreciate all of the effort going into this program to make this happen, there must be something done to fix this disconnect between these institutions. 
Mohela has express that I may want to contact XXXX and ask them to forward my loan to them as the new service provider, but this really makes no sense because XXXX has no way of knowing whether I in fact have applied for loan forgiveness. 
Again I applied for this forgiveness XX/XX/. So you can understand my frustration. 
Please help me, the interest on my daughters loan is beginning to pick up and I really do need the assistance. 
I can be reached at ( XXXX ) XXXX.
Consumer complaint received 2023-03-03
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP (CA)

On XX/XX/2023 my public benefits card was fraudently used to withdraw {$800.00} from a US BANK located on XXXX XXXX XXXX, XXXX, CA. This occured 26 minutes after the state issued my benefits. My card has been in my possession at all times and it has never left my sight. I want to know how someone was able to obtain cash from a card at a bank atm when the card has been with me at all times. How are they bypassing the system at US BANK?
Consumer complaint received 2020-01-12
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

ON XX/XX/XXXX I FILED CHAPTER XXXX BANKRUPTCY WITH ATTORNEY AT THE EASTERN DISTRICT COURT. CAPITAL ONE AUTO FINANCE RECEIVED A ELECTRIC TRANSCRIPT FROM THE BANKRUPTCY COURT ON THIS MATTER ON XX/XX/XXXX. I HAVE RECEIVED MY DISCHARGE FROM BANKRUPTCY ON XX/XX/XXXX AND ONCE AGAIN CAPITAL ONE RECEIVED NOTICE FROM THE BANKRUPTCY COURT ON THIS MATTER. ON MY XXXX XXXX CREDIT REPORT DATED XX/XX/XXXX IT SHOWS THAT CAPITAL ONE AUTO FINANCE BALANCE XXXX DATE UPDATED XX/XX/XXXX PAY STATUS ACCOUNT INCLUDED IN BANKRUPTCY AND IT SHOWS DATE CLOSED XX/XX/XXXX. SO ONCE XXXX XXXX RECEIVED INFORMATION REGARDING THIS ACCOUNT THEY WENT AHEAD UPDATED THIS ACCOUNT AS INCLUDED IN BANKRUPTCY AND CLOSED THE ACCOUNT SINCE IT WAS PART OF MY BANKRUPTCY AND IT WAS GOING TO BE DISCHARGED.. I HAVE RECEIVED ALERT FROM XXXX XXXX THAT ONE MY ACCOUNT HAD A CHANCE I HAVE A MONITORING ACCOUNT WITH XXXX XXXX SO IF I HAVE ANY CHANGES ON MY CREDIT REPORT I WILL GET NOTIFIED ABOUT IT, SINCE XX/XX/XXXX I NOTICED THAT CAPITAL ONE AUTO FINANCE WILL UPDATE THE BALANCE AS XXXX ON THE ACCOUNT EACH MONTH. WHY WOULD THEY UPDATE A DISCHARGE ACCOUNT THAT WAS INCLUDED IN BANKRUPTCY EACH MONTH. I CONTACT XXXX XXXX TO FIND OUT AND THEY SAID I COULD OPEN A DISPUTE WHICH I DID AND I EVEN OPEN A DISPUTE WIWTH CAPITAL ONE AUTO FINANCE. JUST LAST YEAR ON XX/XX/XXXX CAPITAL ONE AUTO FINANCE CHANGE THE DATE CLOSED DATE TO XX/XX/XXXX. SO ONCE AGAIN WHY WOULD THEY CHANGE A DATE ON ACCOUNT THAT WAS DISCHARGE 3 YEARS LATER. I OPEN A DISPUTE WITH XXXX XXXX ON THIS MATTER NOT ONCE BUT SEVERAL TIMES AND I REACH OUT WITH CAPITAL ONE AUTO FINANCE ON THIS MATTER WITH NO LUCK THIS ACCOUNT IS PART OF MY CHAPTER XXXX BANKRUPTCY THAT WAS DISCHAGE ON XX/XX/XXXX THAT IS 3 YEARS AGO AND WHY WOULD THEY UPDATE ACCOUNT TO MAKE MORE CURRENT. ARE THEY TRYING TO RE AGE A DISCHARGE ACCOUNT TO MAKE MORE CURRENT.. IN THE LETTER THEY SENT ME THEY STATE THEY ARE REPORTING CORRECT TO THE CREDIT BUREAU WHICH IS NOT TRUE, IT THE JOB OF THE CREDITOR TO REPORT 100 PERCENT TO THE BUREAU. I FORMALLY REQUESTING .THAT CAPITAL ONE AUTO FINANCE VALIDATE THIS TRADE LINE WITH XXXX XXXX UNDER ACCOUNT NUMBER ENDING XXXX. DUE TO POSSIBLE INACCURACIES IN THIS CREDIT REPORT I DEMAND THAT THE VALIDATION I HEAEBY REQUEST BE IN THE FORM OF A VERIFIED STATEMENT BY A PERSON WITH ORIGINAL KNOWLEDGE OF THE DEBT WHO CAN TESTIFY THAT THE DEBT WAS INCURRED LEGALLY WAS NOT A PROFIT LOSS TAX DEDUCTION. I NEED TO SEE ALL DOCUMENTS ON THIS ACCOUNT.
Consumer complaint received 2024-03-03
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Maximus Federal Services, Inc. (WA)

I have student loan amounts on my credit report that I never received. I objected to the loan amount and validity of the loans but they insisted that it was correct and it remains on my credit reports. I have never received funds from any student loan.
Consumer complaint received 2023-11-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (CA)

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.
Consumer complaint received 2020-01-12
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. (TX)

Equifax is refusing to validate and delete inaccurate information from I credit report. I have provide the necessary information to verify the debt through them and the creditor. There should be consequences for this type of negligence. I am attaching the print out that I got directly from their credit report showing the inaccuracies..
Consumer complaint received 2020-01-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Capital one/walmart card calls as early as XXXX XXXX  and as late as XXXX XXXX  ; sometimes leaves a message, other times does not, calls multiple times per day. They are calling even if I am 1 day late.
Consumer complaint received 2024-03-02
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: PNC Bank N.A. (KY)

XXXX CHASE credit card {$16000.00} PNC XXXX card {$7600.00} XXXX XXXX {$3700.00} These are all debts to which I was an authorized user for my job. These are all debt belonging to my ex employer XXXX XXXX XXXX I was told as per my contract states that once I no longer worked for him. I would be removed as an authorized user on all of his accounts, none of these purchases were for me, or for anything to do with me 100 %. Everything was for my employer. It simply made it easier for him for me to do my job as his personal assistant. 
I went through a terrible divorce. My XXXX  destroyed the decent credit that I did have and Ive been trying to build it back up for XXXX years with on-time payments to my XXXX loan an early payoff on an XXXX  loan small cards that I keep my balances very low and the major XXXX on XXXX credit are these things that dont even belong to me
Consumer complaint received 2020-03-05
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. (VA)

On XXXX I disputed this account which was originally reported by XXXX XXXX XXXX account number XXXX for a debt they are claiming I owe XXXX XXXX and reported it to my XXXX  Credit Report. 

XXXX  looked into the investigation and informed me that they removed this account on XXXX account XXXX and amount of {$320.00} and had it deleted from my credit report. 

XXXX XXXX XXXX illegally added this back to my credit report back on XXXX so I then disputed it again by writing XXXX  on XXXX claiming I owe XXXX XXXX under my Social Security number. 

After their investigation, they wrote to me on XXXX to inform me that this was deleted from my report. 

Now XXXX XXXX XXXX is trying to add this to my Experian credit report illegally under the account number XXXX and claiming I owe {$320.00} At this point when you review the evidence, you'll see that the account numbers do not match for the original accounts nor does the name match for both accounts that were deleted. Moreover, this is one of many reasons why these were DELETED and removed in the first place. 

Furthermore, if you look at my report with Experian versus my report with XXXX, youll see that they took this matter very seriously and deleted these very quickly as they saw they were fraudulently added under different names, amounts, account numbers and addresses. 

Moreover, now I have discovered that the items have been reinserted on my credit report under a fraudulent account number and name.

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days.

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law and it is why I am reaching out to the CFPB to help resolve this matter quickly. 

XXXX XXXX XXXX XXXX, VA XXXX Cc : Attorney General 's Office Cc : XXXX XXXX XXXX