davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (PA)

I moved out of my apartment at XXXX XXXX  XXXX XXXX in XX/XX/2016. I made all final payments and the management company at the time, XXXX XXXX, claimed that I owed move out fees and costs. The management company then entered a judgement against me in the amount of {$4300.00}. I appeared in court on XX/XX/2016 and the plaintiff 's claim for rent and fees, was dismissed. This debt was then sold to the collection agency, Professional Debt Mediation. Professional Debt Mediation has been reporting this debt on all 3 of my credit reports, since XX/XX/2016, after the case was dismissed. I attempted to dispute this inaccurate debt, with all 3 credit bureaus and the collection agency. All parties claim to have verified this debt as accurate and continue to report this untrue debt. I called Prof Debt Management and was told by a very rude rep named XXXX, that my case dismissal was only to stop an active eviction. I advised the rep that I was never evicted and this case has been dismissed in XX/XX/2016 under the court of law. The rep then told me that I in fact owed this debt, without even providing proper proof of said debt. In addition, to me not legally owing this debt - there are several reporting errors found, such as date opened and date of last activity, just to name a few. I am demanding a PROPER and COMPLETE investigation.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc. (TX)

Experian, reporting a negative information 's on my credit report # XXXX .This is a medical disputes with XXXX XXXX Hospital , The company that are reporting the information 's is XXXX XXXX XXXX account # XXXX, They are a medical debt collector business. The amount owe {$120.00}, All of this come from a car accident 1year ago My lawyer have filed a law suit against driver insurance policy ( XXXX ) My legal team have added this bill to the lawsuit. This negative information 's should be remove until the case is settle. New law went into effective XX/XX/2015
Consumer complaint received 2020-08-17
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: PORTFOLIO RECOVERY ASSOCIATES INC (AR)

There is inconsistency in credit card information on my account showing under portfolio association. One says derogatory and the other says unknown payment status. Also it has the original creditor name but no buyers name in the information. I would like a letter of verify my debt, that shows my signature. Also I would like the name of the individual whom I was said to sign with. Also the payment history is inaccurate and has inconsistency.
Consumer complaint received 2020-08-17
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: Santander Consumer USA Holdings Inc. (NJ)

I have a loan with XXXX XXXX, XXXX and SANTANDER. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and SANTANDER with no successful resolution. There was definitely an error on their part.
Consumer complaint received 2020-08-17
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. (DE)

i am not sure what all is deceptive with XXXX XXXX XXXX but i do know that negotiations for credit card settlements with the last account which is discover was first shown to be implemented between XXXX and XXXX of this year.. This changed upon accessing my dashboard with freedom debt relief to now show between XXXX and XXXX.. so for some reason, after funding a one-time XXXX payment last month and now another XXXX a week ago, nothing has changed. the account i set up with XXXX included 6 creditors and for about a year now only 3 have been shown to be paid off. two are in structured settlements but no movement whatsoever and the lthe last account negotiated settlement has not been reached albeit getting debits from my wells fargo account in the amount of {$110.00} every two weeks since XX/XX/2017 as well as additional deposits of {$1500.00} towards paying off this account involvement. Nothing is happening. Yet I discover fees of {$25.00} and change being taken out for XXXX fees each an every month. I was told that no fees would be accessed until after accounts were paid off but they are not moving forward and have stalled with pay off. I am very stressed out by lack of forward movement after 3 years of dedicated payments. When I went to Experian i was not able to register or access my account that was supposedly already set up. My credit score plummeted from the low 700 's down to XXXX .. I am really frustrated and need someone to step in and find out what is going on with both Experian credit bureau as well as XXXX XXXX.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I called Trans Union and spoke with a Trans Union Customer Service Representative requesting that they unsuppress my credit report and data. The Trans Union Representative used a racial slur against me and called me a XXXX and stated to me that shes not going to unsuppress my credit data at all. My credit data and report has been suppressed by Trans Union for 1 year, and for 1 year, I have been requesting for Trans Union to unsuppress and unfreeze my credit report, and Trans Union refuses to unsuppress my credit report and data. Trans Union is using racist and discriminatory business practices against me because Im XXXX ( XXXX ). Thiss a blatant violation of The Fair Credit Reporting Act ( FCRA ) and a violation of federal and state law.
Consumer complaint received 2020-08-17
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: Student Loan Care, LLC (MA)

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Consumer complaint received 2020-08-17
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)

Experian is failing to use Metro 2 and E-Oscar to verify an alleged debt that XXXX put on my credit report. XXXX is not giving Experian or on my credit report the full account numbers. The account number provided has 4 unknown variables which makes it impossible for Experian to verify that the account belongs to me. The grind payment history does not match up. Fore Example XXXX updated the term as {$0.00} a month. How can I owe a balance for an alleged debt if the monthly payment is for {$0.00}. Also, it notes that there was a payment of {$7100.00} on XX/XX/2020. How can an account be charged off if there was a payment? And if there was a payment, why was it not deleted from the alleged debt amount. The alleged balance was {$6500.00} and the alleged payment was {$7100.00}. {$7100.00} is a great amount than {$6500.00} so therefore there should not be an amount owed.
Consumer complaint received 2022-11-07
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SUNCOAST CREDIT UNION (FL)

This savings account was opened without my knowledge. I call the bank in XXXX of 2022 to have this account closed. I received a letter in XXXX saying this account was overdrawn {$500.00}. This account was to be frozen till they investigated how this account was opened with only {$5.00} in it. This month I received a letter from a collection agency saying this money is owed. I have called several times trying to get this resolved and they keep telling me the Risk Management is still working on this. I don't know what to do at this point, I am being told one thing and other things are happening without my knowledge. I have filed a XXXX on this. Sent a letter from them to collection agency. I need to get this resolved ASAP.
Consumer complaint received 2020-08-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc. (CA)

I have contacted Experian multiple times regarding this issue and they refuse to correct the problem. This is the first step XXXX a taking to get this account addressed though complaints and unfortunately if they are still unresponsive I will have no choice but to get the courts involved. There is a XXXX XXXX Account ending in XXXX on my credit report that shows charged off and that i still owe money, but i have paid my debt to that company and they informed me my account is settled and they will remove the account from all three bureaus. Experian is the only one that still have not taken any action towards this matter. I have documentation from the company stating this information and they still refuse to remove the account. Also There is another account recently got added to my credit report from XXXX XXXX account number : XXXX I have already disputed this item and Experian removed it but for some reason they keep adding it back to my credit report without providing any new evidence showing this account belong to me. which is against the law. Experian continue to break the law and I will not stand for it any longer. If i can not get this issue resolved I will have no choice but to get the courts involved.
Consumer complaint received 2020-08-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NY)

My XXXX card was paid off in full and was never late this account is close and have a negative mark on my credit report also my XXXX XXXX   card is also showing negative on my credit report which I also paid this card off in full and the only reason I was late was because of frude on my account so I was disputing that but my account was always paid on time and both accounts are closed so I dont understand
Consumer complaint received 2020-08-17
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 (NY)

I obtained an Auto Loan from Capital One Auto Finance in XXXX of XXXX. To the best of my knowledge, I was the primary Borrower on the account, and XXXX XXXX was the co-signer. As a direct result of the acts of Capital One Auto Finance, my name was not on the vehicle title. As a result of such, several years ago, I was arrested and accused of XXXX XXXX XXXX. I provided documentation showing that I purchased the car, and I was released. The charges against me were eventually dismissed. 

I contacted Capital One Auto Finance, and they could not assist with having my name added to the title. Regardless of such, payments were continuously being made, and in XXXX the loan was paid off in full. 

Despite the facts above, Capital One Auto Finance has refused to correct the erroneous information on my credit report, which is drastically affecting my credit score. Capital One Auto Finance reports Debt included in or discharged through Bankruptcy, which is incorrect. Capital One provided a payoff letter back in XX/XX/XXXX, proving by its own account the loan was satisfied/paid-in-full. 

Capital One has continued to falsely report this information even after I've filed over a half dozen disputes with the credit bureaus.
Consumer complaint received 2020-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (GA)

I have a bank account with chase jp Morgan. The company closed my account of the blue around XX/XX/XXXX. I deposited a check for XXXX on XX/XX/XXXX for a car accident check. On XX/XX/XXXX 2 random deposits came into account for XXXX and XXXX. They closed the account and said we have to give 2 names which we have no idea who they are and no connection to the account. They won't even send a check for the money that was in the account.
Consumer complaint received 2016-11-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Receivables Network (TN)

XXXX collection agencies ( each saying they represent XXXX ) contacted me on the same date regarding the exact same account. XXXX by phone, the other by letter. Does the FDCP Act allow that? How am I supposed to know who to deal with? I dispute the charges to begin with. Is it my burden to dispute the matter with XXXX collection agencies? What if I settle with XXXX and the other keeps hounding me?
Consumer complaint received 2020-08-17
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 (VA)

CapitalOne is reporting inaccurate information on my credit report. They are reporting late payments from XX/XX/XXXX thru XX/XX/XXXX. All other late payments prior to XX/XX/XXXX should not be reporting late because o was in a medical payment plan program and I faced extreme financial hardship due to my medical condition since XXXX. I have tried to correct all the late payments history that has been reporting to XXXX  but has not received any assistance. The account has been deleted with XXXX and however my XXXX And XXXX credit score would s suffering due to this inaccurate reporting, at this time Im requesting that this account be deleted permanently from my credit report because of this account I have not been able to obtain a new job because of this account and I have not been working due to COVID 19 and my medical condition.
Consumer complaint received 2020-08-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AmeriCollect (MI)

Dear Collector : Please be advised I XXXX XXXXXXXX state this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger an action for damages brought by an individual consumer against Americollect INC, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 
Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX state that your claim is disputed, and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this  alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent Your failure to satisfy this request within the requirements of the Fair Debt Collection Practices Act will be construed as your absolute waiver of all claims against myself, and your tacit agreement to compensate : XXXX XXXX for costs and attorney 's fees. If after careful review of this debt, you find you have no valid reason to further your interest with me, please delete any negative information you are reporting to the credit bureaus and send us written verification this account has been deleted and closed.
Consumer complaint received 2020-08-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Franklin Collection Service, Inc. (AL)

I received information from you attempting to collect the above-listed alleged debt. Your initial communication to me of the alleged-debt was within 30 days ago from the credit bureaus. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor and my sign hippa release form. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
Consumer complaint received 2023-06-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (TX)

I was looking at my credit report last week on the XXXX of XXXX. I notice that I see a LVNV funding LLC collection in the amount of {$1200.00}. I tried reaching out to them on the phone number that I found in XXXX but no one has answered. I have not been sent a letter to even validate the debt.
Consumer complaint received 2020-08-17
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (MD)

XX/XX/XXXX Letter was mailed to me by XXXX XXXX XXXX ( Home Owners Insurance ) advising that my renewal payment had not been received. My insurance is escrowed. I first called New Rez c/o Shellpoint On XX/XX/XXXX to inquire about why the payment had not been made. I was advised that the insurance department was closed to call back XX/XX/XXXX. Immediately I called XXXX XXXX, where I was advised that XXXX was due. Invoice had been submitted to New Rez c/o Shellpoint Mortgage on XX/XX/XXXX. Payment was declined. XXXX advised that she would resend the invoice to the fax number they had on file. I reached back out to New Rez c/o Shellpoint Mortgage on XX/XX/XXXX, where I was given several reasons ranging from them having thousands of accounts that they serviced and mine may have been missed to them not having my insurance information on file. The agent stated that my fax sent from XXXX on XX/XX/XXXX had been received, so now they had my insurance information. I asked why my information had been deleted off my account as they paid on that same policy last year. I have not made any changes to my insurance in years! The resolution of the call was a check would be overnighted to XXXX and there would be payment in 24-48hrs. I waited to call to allow time for payment processing, then on XX/XX/XXXX I received notification from XXXX that my insurance expired. I immediately called XXXX and had a three way call performed to somehow stop the process of cancelation. I was told that the mortgage company gets a grace period of two months to make payment and the account was pending termination set for XX/XX/XXXX. The XXXX XXXX and myself called New Rez c/o Shellpoint mortgage and were told the check had been cut on XX/XX/XXXX it would take 10-20 business days for the payment to be made. XX/XX/XXXX I received an email notification stating that the insurance had been reinstated. 

I am filing this complaint as the mortgage company failed to make my homeowners insurance payment ; placing myself in financial jeopardy in the event there was a loss of the property. If I had not been on top of this issue my insurance would have lapsed! The account is escrowed and should have been better managed. As a consumer, I should not have to spend time away from my employment to address the neglect of the mortgage company.
Consumer complaint received 2020-08-17
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: General Motors Financial Company, Inc. (MA)

I see multiple 30-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.