davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

PORTFOLIO COMEN-XXXX PORTFOLIO RECOV ASSOC XXXX TODAYS DATE : XX/XX/XXXX PORTFOLIO COMEN-XXXX PORTFOLIO RECOV ASSOC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PORTFOLIO COMEN-XXXX PORTFOLIO RECOV ASSOC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates , LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2021-11-16
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. (FL)

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MI)

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX - XXXXXXXX XXXX XXXX XXXX XXXXHowever, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-11-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (TN)

1.I have never had an account with this company I C SYSTEM XXXX, REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are I C SYSTEM the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Consumer complaint received 2019-11-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (VT)

I stopped paying my second mortgage of XXXX when I filed for bankruptcy in XX/XX/XXXX. I found out that SLS had placed a lien on property XX/XX/XXXX. We found out because we had a buyer for our home. I did not understand that a discharge of the debt was not a discharge because a lien could be placed on the property. SLS sent us a pre-foreclosure letter in XXXX and last week said we could pay {$6700.00} and make payments of $ XXXX per month. They said the loan amount was now {$55000.00}! We had paid $ XXXX per month from XXXX to XXXX. The balance of the loan at time of discharge was {$25000.00}. The interest and fees for eight years is {$30000.00}!! I dont think it is fair to charge so much interest and wait 8 years to place a lien on the property. I would like SLS to reduce the amount owed to a reasonable amount of {$35000.00}. I could make payments of $ XXXX per month but do not have {$6600.00} for a down payment. I am retired and my wife is on XXXX because she has XXXX  XXXX XXXX. 
The person working with me at SLS is XXXX XXXX XXXX or XXXX
Consumer complaint received 2021-11-16
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

On XX/XX/2021, at XXXX EDT I tried to make a cash deposit for {$4600.00} to my Bank of America account at my Bank of America branch in XXXX NJ, located on XXXX XXXX XXXX. Since the teller was busy, I tried to deposit my money at the ATM machine located within the bank premises, the ATM machine number is XXXX. 
After taking {$4600.00} the ATM displayed a message stating that {$4600.00} was deposited into my account but instead of a receipt for my transaction, I received a paper slip that says, We apologize for the inconvenience. We are unable to process your request and can not return your item ( s ). Please contact our Electronic Claims team at XXXX to discuss this transaction. I immediately informed the bank employee in person and was told that they could not help me and that I had to contact the electronic claims team. After contacting the electronic claims team, I was informed that they would start investigations after 2 business days and if approved, a credit amount would be sent within 10 business days. I have been told it would take up to 45 business days for the issue to be solved.

This is absurd and unacceptable to me as the {$4600.00} that is now missing was for my college tuition and funds for travelling for XXXX. I have no money right now to pay for either my tuition or for travelling back home. 
Plus, the security camera footage at the branch of me making the deposit at the specified time XXXX hours EDT on XX/XX/2021 serves as further proof.
Consumer complaint received 2021-11-16
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (CA)

On XXXX XXXX at XXXX XXXX ( PST ) I requested a loan from Affirm.com to cover the cost of dental aligners, in the amount of {$1800.00} provided by the online company XXXX. 

On XXXX XXXX I contacted Affirm.com and XXXX to cancel the Affirm.com loan. 

However, on XXXX XXXX, both Affirm.com and XXXX ignored my request and continued to push through the purchase despite my XXXX day cancellation. I have not received any merchandise. However, I have received an email from Affirm.com which acknowledges my rescission of the loan within the XXXX days allowed. However, the merchant did not respond to either their request or mines. Both, Affirm.com and the XXXX provide conflicting information and continue to delay cancellation, despite no receipt of merchandise. After, several long and exhausting phone calls to Affirm.com customer care I have been given the run around, and they are still engaging in ongoing " bait and switch '' of information. 

In accordance with Affirm.com all phone calls made to the companies have been recorded with all parties acknowledging such recordings. These files are also available for your review. 

In light of the above information, I am requesting your assistance in this matter.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (TX)

I became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following fraudulent items ASAP Im 4 business days of receipt
Consumer complaint received 2021-11-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (NJ)

Fedloan Servicing Account # XXXX XXXX XXXX Loan 1 Loan Program : DIRECT SUB CONSOLIDATION LOAN Owner : U.S. DEPT OF ED Disbursement Date:XX/XX/XXXX Current Amount : {$11000.00} Loan 2 Loan Program : DIRECT UNSUB CONSOLIDATION LN Owner : U.S. DEPT OF ED Disbursement Date:XX/XX/XXXX Current Amount : {$3100.00} I am a XX/XX/XXXXwith the XXXX XXXXXX/XX/XXXX in XXXX XXXX , NJ . I was told by my loan service company that I qualified for the teacher loan forgiveness program and the public service loan forgiveness program as a XXXX  working with XXXX XXXX XXXX XXXX XXXX. After 5 years of working as a XXXX  XX/XX/XXXX, I was told by the service company that I could apply for the teacher loan forgiveness, and then after 5 more years of working, I could apply for the PSLF and have all my loans forgiven. I was advised to make my payments on time which I did. I followed their advice and after five years of working received XXXX in forgiveness from the teacher loan program. After 5 more years ( XX/XX/XXXX ) of working, I submit my PSLF application to certify employment and all my payments credited as I was told I would. After checking my account online and reviewing my payments, they had noted that I was in a payment plan that did not qualify and to add insult to injury that since I had received the XXXX in teacher loan forgiveness that those 5 years did not qualify. I now basically had no payments that qualify. This is beyond deceitful, malicious and I don't even know what else to call it. I was lied to and given inaccurate information. If I would have been accurately advised, I would have been enrolled in a payment plan that would qualify me for PSLF. Furthermore, I would have not applied for the teacher loan forgiveness plan if it would have only granted me XXXX of loan forgiveness and set me back 5 additional years of payments to reach the 10 years ' worth of payments to qualify for PSLF. I would have only applied for the PSLF forgiveness. I am sure they misinform student borrowers on purpose so that their loans are not forgiven and they can keep making money for servicing these loans. I tried to speak to a representative of the loan company to resolve this issue with no success. I don't want the teacher loan forgiveness XXXX initiative. They could add those XXXX back to my loan account. I am so disgusted by this process and malicious intentions.
Consumer complaint received 2021-11-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (SC)

I have rec 'd several calls from a company and they have contacted former family members to locate me. They told that member that I owed money to them. The company said that they are XXXX and they claim that the debt is from HSBC for a {$500.00} credit card that was never paid. When I refused to give them my social, they became belligerent and said they would take me to court. I told them that I pay my debts and if it truly is my debt I will pay but I must see proof, asked them to mail via the XXXX Mail. I have not rec 'd anything but they have called several times since. On XX/XX/2021, XXXX rec 'd a text referring to phone # XXXX, XXXX # XXXX. I called the number and spoke with XXXX XXXX. She repeated my birthdate and my social. She then told me they were suing me and I would be responsible for cost of over $ XXXX. When I repeated that I wanted proof she said they had mailed proof and then she said 'Good Luck in Court ' and hung up. I do not have a credit card with HSBC. I checked my credit report and there is no indication that I have had or have a retail card listed with HSBC. My credit is in good standing and I pay my bills. I have no reason to believe this is my debt other than the phone call. 

There are so many scams out there that I don't know if this is a scam or not. If I owe the debt, I have no problem paying but I am not going to pay without proof.
Consumer complaint received 2021-11-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (TN)

I am a victim of identity theft and have filed all necessary documents of proof however the credit collection agency is still reporting derogatory information to my XXXX File which is damaging my credibility for a home loan
Consumer complaint received 2021-11-16
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Law Offices of Mitchell D. Bluhm & Associates (SC)

The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX  XXXX are debt collectors attempting to collect multiple debts from me on behalf of medical services, I have not received from them. My credit file was flagged two times on XX/XX/2021 for {$2200.00}, and for {$1000.00}. 
I am not a, party to their agreement with XXXX XXXX XXXX and I have not agreed to pay anything to The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as Law Offices XXXX. I did not receive any documentation from The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as LXXXX XXXX XXXX to allow them to verify the accuracy of their data before placing their account with the credit bureaus for collection I have no idea how The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX  XXXX are received my private medical information. The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX XXXX are violated my H.I.P.P.A. rights and is attempting to collect multiple debts that do not belong to me. The Law Offices of Mitchell D. Bluhm and Associates reporting / XXXX as XXXX XXXX XXXX continuously violates the FDCPA by attempting to collect on alleged debts without providing any proof of service or goods. 
Please be advised that The Law Offices of Mitchell D. Bluhm and Associates are not holders in due course and they do not have a permissible purpose to use my private information.
Consumer complaint received 2021-11-16
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: SECURITY FINANCE CORP (TX)

I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (CA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-07-07
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Tribal Lending Enterprise, Inc. (CA)

I received a billing statement ( XX/XX/2017 ) about a loan that was taken out in my name. The company is " Majestic Lake Financial ''. The letter insinuated that the company had been corresponding with me but I had never even heard of this company until the statement was opened. Curiously, the bill was lacking an amount owed, requesting me to call for a billing amount. I called the company ( XX/XX/2017 ) and the representative ( XXXX ) informed me that a loan had indeed been taken out in my name in XXXX of 2017, no exact date. I called back later that day to get more details about the loan and was uncomfortable with the line of questioning. The person on the phone was asking me personal questions such as birthdate, SSN. I refused to give my SSN. I pulled a credit report ( XX/XX/2017 ) and " Majestic Lake Financial '' does not appear anywhere on my credit, no inquiries or listed open/closed account. As of ( XX/XX/2017 ) I have filed a police report at my local police station.
Consumer complaint received 2016-02-12
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NC)

XX/XX/XXXX, I experienced a loss of employment and was forced to put my home on the market, as I could no longer afford it. I ended up having to do a short sale on the home, and it was approved by my mortgage companies. My XXXX mortgage was completely resolved with the proceeds from the sale. However, soon after, I was notified by PNC Bank that my home equity line of credit was not completely resolved. They told me that a balance was still owed. I immediately resumed payments on this account, and have made consistent, monthly payments on this account for well over three years now. It recently came to my attention that PNC Bank is reporting this account as a collection account! Despite three and a half years of loyal, timely payments, they are reporting this account as a collection account. Additionally, I have discovered that they are re-setting my date of last activity every time I make a payment. So instead of reporting the date of last activity as the date they put the account in collections, they continue to re-set that date monthly. I can only assume that they are doing this to perpetuate the seven years they can continue to report this debt on my credit report. My credit is not perfect, but this situation is having a devastating effect on my overall credit rating. I have contacted PNC Bank about this situation on numerous occasions, but they offer no resolution. There were XXXX different avenues I could have taken about this matter when the short-sale occurred. I could have just let the account go, and stopped making payments. After all, I no longer lived in the house. However, I decided to do the honorable thing, and continue to make loyal payments to this debt. In my opinion, PNC Bank has literally punished me for doing the right thing.
Consumer complaint received 2021-11-16
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: General Motors Financial Company, Inc. (TX)

I seen an inquire on my credit report and i did not request it. I requested removal on XX/XX/XXXX and was told it would be from company and it was not.