davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-29
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: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am a victim of identity theft. The information listed 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. 

XXXX XXXX, Date : XX/XX/2017, Account # : XXXX, Amount : {$280.00}, Date : MAIN XXXX XXXX NOT MINES. IM TRYING TO KEEP MY LIFE HERE IN AMERICA. ITS NOT MINES I SENT A LETTER PLEASE. THE COMPANY IS NOT RESPECTING. THEY SAY NOTHING AND KEEP HARASSNG ME. PLEASE DO SOMETHING
Consumer complaint received 2023-02-27
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC (DE)

XXXX of XXXX I believe I got a title loan from title max paying until I lost my job spoke with them and try to get a title 5 .You must speak with dm so I called left several messages at least three times a week got a new job and try to lower my payments still know help.hot my income tax paid all that I owe.while still trying to get a title 5 .they never heard of it they took my car.and wrote me saying they sold it and I owe about XXXXalso I got another car went to XXXX and try to turn in plate on get it on new car XXXX of XXXX and they stated title max did not sale this car yet so I got new plates
Consumer complaint received 2022-03-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc. (NJ)

XXXX claimed that I owed them money after my account was closed. They sent a debt collection agency after me months ago. I provided them with all the paperwork which showed that XXXX actually owed me money. Once they did not contact me anymore, I assumed the matter was settled. Now I received a new letter from a new collection agency, once again stating that I owed money. I tired to call XXXX but they said they have nothing to do with it once it is turned over to the agency and I have to deal with them. I do not understand why I have to continue to have to deal with another agency once I settled everything with the first one.
Consumer complaint received 2023-07-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (NC)

Comenity Bank refuses to take responsibility for cashing check payment almost three month after paying outstanding balance in full. 
Check # XXXX for XXXX was send on XX/XX/XXXX, but didn't cash it till XX/XX/XXXX. 
Comenity Bank unjustly vollected late fees & interest and ruined my low XXXX credit rating I demand a copy XXXXfront & back ) of check # XXXX Respectfully, XXXX XXXX
Consumer complaint received 2018-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

XX/XX/2018 I went to Best Chrevloet with my pre-approval from XXXX XXXX. I informed the salesman XXXX that i did not want my credit pulled to other lenders because of my existing offer with XXXX XXXX. I wrote on my credit application, I only authorize for XXXX XXXX. XXXX XXXX a finance manager at the dealership sent my credit report to multiple dealers. I spoke with the salesman and the finance manager which both of them acted as if they knew nothing about it. I need the inquiries to XXXX XXXX, XXXX, and XXXX XXXX deleted from my report. I am livid that they misused my credit application for their own benefit.
Consumer complaint received 2020-12-29
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: EQUIFAX, INC. (NY)

I'VE HAD A CHANCE TO LOOK OVER MY CREDIT REPORT AND FOUND A FEW DEROGATORY ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE. THE DEROGATORY ACCOUNTS AND INQUIRIES HAS CAUSED A TREMENDOUS DROP IN MY CREDIT SCORES. IT IS NOT FAIR TO ME BECAUSE I HONESTLY DO NOT HAVE ANY KNOWLEDGE OF THE ACCOUNTS AND INQUIRIES. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A HORRIBLE STATE. I SHOULD NOT HAVE TO SUFFER THE CONSEQUENCES. I AM ASKING THAT THE DEROGATORY ACCOUNTS AND INQUIRIES BE RE-INVESTIGATED SO THAT THEY CAN BE REMOVED OFF OF MY CREDIT FILE AS SOON AS POSSIBLE. I AM CERTAIN THAT THE DISPUTED ITEMS DO NOT BELONG TO ME AND WAS NOT AUTHORIZED BY ME.
Consumer complaint received 2020-12-29
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION (GA)

Opted into the Cares Act Forbearance because we have been affected by the coronavirus pandemic. Received approval and no payments are due until XX/XX/XXXX. However, I recently received a demand letter from SunTrust stating that I needed to arrange payments immediately to avoid foreclosure. I called the bank and spoke with a member of the Home Preservation Team, who told me that it was a " system glitch '' and I should " just disregard it. '' She also stated it would not happen again.

However, three weeks ago, someone drove up in my yard and was snooping around my home and taking pictures while my blinds were open. They did not ring my doorbell. So I went to my front door after they left and found an envelope on my door asking me to call my " mortgage servicer. '' I ignored the letter because there was no need for SunTrust to send someone to my home, and I thought it was a scam. 

The following week I was in my foyer and my blinds were open, and someone was snooping around peeping into my home and taking pictures again. I was not dressed appropriately to go outside so, by the time I got dressed and went to investigate, the person had already left. My neighbor came over to ask us what was going on if we were selling the home because people are coming every other week to take pictures and leaving notices on the door. It was so embarrassing! 

Today, XX/XX/XXXX, a male approached my home taking pictures and snooping around. But he left before I could call the police. I was very concerned because these people have been coming here and leaving the same envelope with the same message and phone number ( " Please call your mortgage servicer at XXXX '' ) and taking pictures. Again, the same envelope was placed on my front door. I was very upset so I decided to call the number to let them know that they were harassing my family and they should cease and desist. To my dismay, I was actually connected to SunTrust. I could not believe it. I was waiting for hours without being connected so I decided to request a callback. At approximately XXXX I received a call back from a rude representative who was more interested in asserting that SunTrust can send investigators to my home to find out if I am living here. I asked him what was the reason and he would not tell me. I told him that there is no need for someone to be snooping around and invading my privacy, and there was no communication from SunTrust regarding these visits, but he was very argumentative and unprofessional. He further stated that if I don't call SunTrust frequently to verify that I am still living in my home, then SunTrust will continue to send investigators here. 

At this point, inappropriate photos of my XXXX child and myself may have been taken and in the possession of strangers. I am very concerned about this huge violation of our privacy by SunTrust. 

P.S the letters have no other information than the phone number and " call your mortgage servicer. ''
Consumer complaint received 2020-12-29
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 — Was not notified of investigation status or results
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

On, XX/XX/2020, I wrote to them requesting an investigation into items that I believed were INNACCURATE. Under federal law, they have thirty ( 30 ) days to complete there investigation. It has been well over 45 days, almost 2 months.
Consumer complaint received 2019-12-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (FL)

I recently reviewed my credit report and I discovered some inaccurate accounts reporting on my credit file. Those derogatory accounts do not belong to me and I have no knowledge of those accounts. I have no idea who would have access to my credit report and because of this, I have no chance of acquiring new credit. Please conduct re-investigation into this matter and have those derogatory accounts removed off my credit file
Consumer complaint received 2016-08-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Colony Brands, Inc. (AR)

THIS IS MY DEBTH WITH XXXX XXXX. THEDEBTH WAS WRITTEN OFF. I DECIDED TO SETTLED FOR LESS THEN THE FULL BALANCE. I PAID THE SETTLE AMOUNT. THE PROBLEM IS THE REMAINING BALANCE KEEP GETTING REPORTED TO THE CREDIT BEREAU AS I STILL OWE. BUT I SETTLED THIS ACCOUNT.
Consumer complaint received 2022-10-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-12-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your Capital One. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.
Consumer complaint received 2018-03-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Dear Transunion XXXX, I checked my personal credit report, which I acquired from your organization on XX/XX/2018 and I noticed an unauthorized inquiry had been made on XX/XX/2018. 
I contacted XXXX XXXX  XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was UNAUTHORIZED. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. Thank you for your assistance in this matter Very Respectfully, XXXX XXXX
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Hi I recently went to get a credit report for all three credit reports and two or three of them have me with zero establish credit and being I never ever had my license I cant of had an auto loan like it says I do an auto mortgage a house mortgage in a repossession Ive never owned a house nor have I had a card nor my license and Im not deceased this is a really bad time to have a horrible mixup or a breach or something you guys did wrong I also never had a bank account get close on me I still have the same exact account and I paid the balance to keep that account everything is wrong and you guys are doing the worst please get back to me ASAP Im starting school my masters program in less than a week and I cant get a loan or anything because you guys messed everything up and its wrong and I need a loan for school and a card to build credit and you guys have me with things I never even had or done Please I have nobody or anyone my child though and I need credit everything is wrong and I need a school loan this isnt right I start in a week and all of it is terribly wrong I cant believe you people XXXX XXXX XXXX
Consumer complaint received 2020-12-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MD)

I became aware of this collection account once I applied for a new mortgage due to the pending sale of my current home and reached out to this company to have it removed. I even offered to pay them even though I had no knowledge of the debt without success.
Consumer complaint received 2023-06-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (FL)

In accordance with the fair credit reporting act Kia Motor Financial account. Account # XXXX, had violated my rights. 

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.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2020-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (GA)

I have an XXXX XXXX XXXX. The hologram is not on the card and XXXX is making it appear as though I never closed the accounts. Its a scam. The card was stolen and my cell cloned. Its a network. If I buy something. They sell me a fake and they take the money. The same with XXXX. Someone hacked my IPad. It is showing that they are using XXXX and streaming.Yet I am charged for the service. 
They cloned my car key. The open the door before I get to the car. They joy ride and steal out of my car. 
In addition, my cellular is constantly compromised/cloned by some cowards and any clothes that I purchase, are sent from some cheap front like XXXX and my money stolen. I have reached out to the police who think I am lying. I have proof. I purchased a pair of XXXX XXXX sandals years ago. Someone continuously purchased/stalked the same items as me, they purchased fake items and would replace my items with theirs. They stole my car and chopped it then replaced it with XXXX parts. A colleague indirectly told me what was done. I am being victimized and targeted with no help from the police. The ( XXXX ) apartment complex allows people in my apartment, car, and intentionally leaves doors open. When I leave, someone enters my apt . They have stolen money, jewelry, and they cut my designer clothing.
Consumer complaint received 2020-12-29
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: Nicholas Financial Inc. (WI)

In XXXX XXXX and XX/XX/2020 I have submitted disputes with the XXXX  credit reporting bureau regarding inaccurate and false information listed on my credit report. One of the accounts that I disputed had late payments that were not late I've requested this information to be updated from both the creditor and the credit reporting bureau. They continually say that they have investigated the item and have opened and closed the case within hours. Typically an investigation takes up to 30 days. They have not investigated or verified any information to be accurate because if they did they would have updated it to show that the payment history is never late. Additionally there is an account that does not belong to me that has appeared on my credit report as opened in XX/XX/2020. I do not have an account with this company I do not have any obligation to this company and this information is being reported falsely. This is not my account and I want it deleted. XXXX  refuses to verify the accuracy of this information and have told me that they are under no obligation to prove that this account is indeed mine. They simply say they report whatever the creditor tells them to.
Consumer complaint received 2018-03-01
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Finance Company, Inc. (PA)

PROFESSIONAL FINANCE C Account XXXX The information you disputed has been verified as accurate ; however, information unrelated to your dispute has been updated. Please review your report for the details. 
i have no clue what the XXXX this is i know i didnt make this i dont care what the comapny states they have to prove its really me not anyone can use my info online anymore i pay with cash this dont tell me what is is im supose o owe im not paying for this when i didnt make this no letters came in the mail saying i did nothing at all
Consumer complaint received 2020-12-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (MD)

I became aware of this collection account once I applied for a new mortgage due to the impending sale of my current home and reached out to this company to have it removed. I even offered to pay them even though I had no knowledge of the debt without success.
Consumer complaint received 2022-12-21
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. (KY)

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 updated : XXXX XXXX XXXX XXXX : {$4200.00}
Consumer complaint received 2020-12-29
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc (NY)

PayPal shut down my account and told me I could have my money back in 180 days. On XX/XX/2020 PayPal took the money out of my account and sent it to themselves. When I called on XX/XX/2020 I was told that I could not have my money. They would not tell me why they kept it even though I asked numerous times. I am owed {$820.00} by PayPal as the 180 day period is over.
Consumer complaint received 2020-12-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

I have sent several letters tp PRA and every time I get the same response. They say " the account number and proceeds were, assigned and transferred by the seller. '' First of, there shouldn't be anything to transfer! Second when I check the consumer complaint database it shows that out of XXXX there are XXXX matches total. It seems like this company is involved in scare tactics to try collect debts NOT owed. I also asked that they produce any thing with my signature showing that I and PRA ever had any business relationship, they never do or can't.
Consumer complaint received 2020-12-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (MA)

Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. I am really smart and demand all these documents or you will face an immediate lawsuit. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.