davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-23
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nelnet, Inc. (TX)

I am XXXX XXXX, and I am submitting this complaint myself and there is no third party involved. 

I, XXXX XXXX, consumer, natural person, and original creditor of an open-end credit plan as defined by 15 USC 1602, am disputing the alleged debt with NELNET and furthermore they have violated my rights as a consumer. I can not be liable to the debt in question as I used my credit card, as defined by 15 USC XXXX, to obtain money to attend UNIVERSITY OF THE XXXX XXXX and XXXX UNIVERSITY. For the NELNET to state that I owe them any money is in violation of 15 USC 1692e ( 2 ) ( A ). In addition to their false and misleading representations they furnished deceptive forms in XXXX separate instances which is a violation of 15 USC 1692j ( a ). Furthermore, NELNET communicated with XXXX, XXXX and XXXX to have information furnished on my credit file without my written consent in violation of 15 USC 1681b ( 2 ). 
Pursuant to 15 USC 1692h, if any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions. I am directing NELNET apply the XXXX individual payments, totaling {$3200.00}, to myself by check.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC (MI)

Notice Of Cease & Desist Account # XXXX This is a notice to cease & desist. Jefferson Capital Systems LLC has violated my rights according to the Fair Credit Reporting Act, Section 604, Permissible purposes of consumer reports { 15 USC, 1681b }. You guys are practicing illegal debt collection practice. A debt collector is those who regularly seek to collect debts. I am the original creditor/consumer, in order for a consumer reporting agency to add anything that must get my permission to do so and i didnt give you guys permission. I define myself as a natural person and not a corporation therefore, I have the right to defend myself and tell you guys what to put on my consumer report and what not to. Also, 15 usc 1602 ( p ), I did not authorize you to get my information. I am demanding that you guys stop illegally reporting to all consumer reporting agencies and all forms of communication. Take this off of my consumer reports today. This is an alleged debt I am not paying anything. This is the first step of litigation. So if you don't honor this cease & desist and honor my demands I will pursue litigation.
Consumer complaint received 2021-11-23
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc. (WI)

I changed insurance companies to take effect on XX/XX/2021 which included a bundle option for my rent insurance. The agent ( XXXX XXXX ) said I was fully paid for until XX/XX/XXXX and I do not owe any money when I purchase my new vehicle and my new policy. I bought the plan weeks in advance and planned on just keeping my current policy instead of asking for a refund from XXXX insurance as I transitioned to XXXX. The policies I bought were a minimum of XXXX  days prior and the emails about canceling my policy was to cancel the ( snapshot ) option and to add a different rental policy. I still have all to now.
Consumer complaint received 2021-11-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

LVNV Funding has sent collection letters to me over the past XXXX  years for the same debt. Each time a letter is received, I have sent a request for validation. LVNV has never validated the requests. I have reached out to each credit bureau and advised them that the debt was not validated. The credit bureau removed the accounts in late XXXX. I have now checked my credit report and see that they have once again added collection accounts that have already failed to validate. All validation requests were sent via certified mail. Copies of certified mail receipts were sent to each credit bureau as proof of delivery. 

XXXX account has already been removed by the original creditor due to fraud. How are they able to keep collecting? 

How are they able to continue to collect by using different companies to represent them. XXXX. XXXX XXXX, XXXX, XXXX & XXXX. This is true harassment. ( XXXX XXXX allows you to dispute via their site. I only have documents to show that they reached. I am unable to view my disputes via their portal. However, it does show that they reached out at the same time as LVNV, which is a violation. ) At this point, I know that I am being harassed and my rights are being violated. 

Account number XXXX Collection opened XX/XX/XXXX Account number XXXX Collection opened XX/XX/XXXX Account number : XXXX Collection opened : unknown
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (FL)

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete completely from my Credit Report : XXXX XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MT)

XXXX company out of Idaho acquired information via XXXX and without authorization used my Social Security XXXX to run down my credit on an account already reported by XXXX. When I requested that Experian remove the redundancy, Experian did not comply and claimed that they had right information so this company can run down my credit
Consumer complaint received 2022-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I recently pulled my reports and noticed you are reporting the incorrect date of last activity, term length, and incorrect payment history for account ( XXXX XXXX ). Because the date of last activity, term length, and payment history being reported by your company, XXXX and XXXX are different, this means that the account has not been properly verified. You are in direct violation of my FCRA rights of my credit report being 100 % accurate, the information is coming from the same data furnisher, therefore all the information being reported should be the same across the board. This account is being reported with inaccurate information is actually violating my FCRA rights, which means this the information being reported should be the same across the board and be 100 % accurate or you are subject to {$1000.00} per violation. Delete this account immediately!
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc. (CA)

I used XXXX Gas and Electricity for my power services and cancelled the services in XX/XX/XXXX since I was moving back to XXXX XXXX from XXXX. I notified XXXX that I will no longer reside at this address and they got my updated info to keep in contact for the final bill. Fast forward to XX/XX/XXXX and I received a notification from XXXX that my credit score has dropped a whole rating due to a collection notice from XXXX XXXX XXXX XXXX XXXX XXXX never sent me a final bill nor reached out to collect payments before sending me to collection. Not only did they do this in the middle of a pandemic but no matter what number I call I am not able to speak to a live person since I don't have an active account anymore. I have cleared the debt same day and the collection agency has received my payment. I need XXXX and the collection agency to remove the inquiry and restore my credit as this was all done illegally and was meant to destroy what I spent years to build over {$110.00} in the middle of a pandemic!
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc. (IL)

I logged on to XXXX to obtain all of my reports it would not let me access them. XXXX froze in the middle of it loading so I was not able to pull my report and print it. When I went back in to try it again it said sorry that we can not help you. I also tried to get it from XXXX. XXXX said that I did not pass the verification, even though I entered all of my information correctly. Once that didn't work, I called XXXXXXXX XXXX XXXX and XXXX to rectify the situation and spent the entire talking to an automated system. According to 15 USC 1681j ( a ) ( C ) ( ii ) ( III ) my credit reports are supposed to be easily accessible.
Consumer complaint received 2022-11-11
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION (IL)

Settlements as of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Incomplete settlement vinacular between worker and account. Checking and savings, both held money as workmanship went on as of completion of work nothing settlement for next appropriation. XX/XX/XXXX XXXX
Consumer complaint received 2021-11-23
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)

XXXX. Capital One XXXX XXXX paid in full and should be removed /deleted. This account is posted multiple times with XXXX, XXXX and XXXX. 
XXXX. Capital One Bank is reporting multiple times as well on XXXX, XXXX and XXXX Capital One XXXX is reporting multiple times XXXX, XXXX and XXXX. 
XXXX XXXX XXXX XXXX reporting closed accounts ie Capital One XXXX XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX. XXXX XXXX XXXX is paid in full and should be removed /deleted. This account is posted multiple times with XXXX, Transunion and XXXX. 
XXXX. XXXX XXXXXXXX XXXX is reporting multiple times as well on XXXX, Transunion and XXXX XXXX XXXX XXXX is reporting multiple times XXXX, XXXX and Transunion. 
XXXX XXXX XXXX is reporting closed accounts ie XXXX XXXX XXXX XXXX
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NY)

XXXX. XXXX XXXX XXXX XXXX paid in full and should be removed /deleted. This account is posted multiple times with Equifax, XXXX and XXXX. 
XXXX. XXXX XXXX XXXX is reporting multiple times as well on Equifax, XXXX and XXXX XXXX XXXX XXXX is reporting multiple times Equifax, XXXX and XXXX. 
XXXX XXXX XXXX is reporting closed accounts ie XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-28
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: First Data Corporation (TX)

Received letter dated XX/XX/XXXX on XX/XX/XXXX. Called regarding and business closed on XX/XX/XXXX. XXXX XXXX XXXX called XX/XX/XXXX and provided incorrect information on debt. They called again on XX/XX/XXXX and harassed us about payment. Informed them I need to determine the debt. Contacted original service provider on XX/XX/XXXX and he was unaware. Did a three way call with service provider and XXXX and found out need to do research to determine if service provider was paid through Telecheck. Was informed would not be bothered by XXXX until we had time to verify debt. Received harassing call from XXXX  2 hours later about debt. 

Original debt was with XXXX XXXX XXXX which was paid on XX/XX/XXXX. XXXX XXXX XXXX used Telecheck to process the check. Telecheck claims paid XXXX XXXX XXXX immediately. No contact from Telecheck about problem reading the electronic form of check until XX/XX/XXXX. Was informed debt was transferred to Telecheck and they are using XXXX XXXX XXXX to obtain payment. XXXX XXXX unaware of being paid by Telecheck for this amount.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates (MD)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

The XXXX Credit Bureau is reporting inaccurate information on L J ROSS ASSOC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capstone Credit & Collection, LLC. (IL)

I need your help immediately. 
A company was reported on my credit file XX/XX/2021 from Capstone ( XXXX XXXX XXXX XXXX XXXX ) for {$10000.00}. This company never contacted me in any way ( phone, email or mail ) before putting it on my credit file. I sent in a request for validation XXXX times about this inaccurate information being placed on my credit. They didn't send my any documentation back so I have any contract or any association with this company. This is not right at all for a company or creditors to do this and the credit bureau to allow it. 

Please help me with this matter.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Receivable Management Services LLC (MD)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

RECEIVABLE MANAGEMENT is inaccurately and erroneously reported. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2021-11-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

PORTFOLIO RECOV ASSOC position that is recently filed on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have made many attempts to reach out to Credit Bureaus but they failed to give me any results or feedback about this concern. Please investigate and remove it from my personal credit file. Thank you.
Consumer complaint received 2024-01-10
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation (TX)

I purchased a vehicle from XXXX and financed through Bridgecrest in XX/XX/XXXX. The vehicle had to have major engine repairs 6 days after delivery. XXXX refused to accept a return at this time and informed me to make use of the limited warranty. The vehicle was in a repair facility 7 times in XXXX and 6 times in XXXX. The warranty eventually expired and I was forced to pay out of pocket XXXX  of dollars all while paying the car payment. In XXXX of XXXX, the vehicle was again inoperable and I received several estimates on repair. I contacted Bridgecrest several times in XXXX and XX/XX/XXXX to submit a voluntary surrender. I was initially told that I would need to be present at the surrender which I agreed to be- the vehicle was XXXX hours from my home. I called several days after that call to confirm a pick up time and spoke with a different employee who informed me that they are refusing to accept the surrender. This was in XX/XX/XXXX of XXXX and at this time the payments were current. The bank is now reporting late payments but refusing to accept a voluntary surrender.
Consumer complaint received 2021-11-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (IL)

I logged on to XXXX to obtain all of my reports it would not let me access them. XXXX froze in the middle of it loading so I was not able to pull my report and print it. When I went back in to try it again it said sorry that we can not help you. I also tried to get it from Equifax. Equifax said that I did not pass the verification, even though I entered all of my information correctly. Once that didn't work, I called XXXX XXXX XXXX and Equifax to rectify the situation and spent the entire talking to an automated system. According to XXXX XXXX XXXX ( a ) ( C ) ( XXXX ) ( XXXX ) my credit reports are supposed to be easily accessible.
Consumer complaint received 2021-11-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

TRANSUNION is furnishing information on my report without my written consent. I am the consumer and reporting is optional. I tried several times by mail and phone to get this matter fixed and TRANSUNION has failed to comply with the Fair Credit Reporting Act, Permissible purposes of consumer reports [ XXXX XXXX. XXXX ], which states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : In accordance with the written instruction of the consumer to whom it relates. I reached out to the Executive Office regarding this matter and that will be my last resort before litigation.
Consumer complaint received 2021-11-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (MN)

A fraudulent charge was made to my card in the amount of {$1300.00} on XX/XX/2021. Within minutes I notified the credit card company and began the dispute process within minutes of it showing up. My watch alerted me as soon as the fraudulent charge was made and I immediately disputed it via the mobile app. It originally appeared that they were reversing the charge. Then the charge reappeared XXXX weeks later. This time I called the credit card company and disputed it over the phone. When no changes were made to my account I called back a XXXX or XXXX days later. At this time a charge reversal was made as a courtesy. Less than XXXX months after the initial fraudulent charge was made the courtesy reversal charge was then reversed. I am have now had to pay the {$1300.00} and no progress has been made on this charge. They claim the new date for this to be resolved will be XX/XX/2021 which is nearly XXXX months after the first report of a fraudulent charge. How can they hold {$1300.00} XXXX when I immediately notified them that it was fraudulent???
Consumer complaint received 2021-11-23
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: PENTAGON FEDERAL CREDIT UNION (NC)

Someone tried to open either a XXXX XXXX Credit Card or XXXX XXXX Savings Account under my name and/or SSN on XX/XX/2021. 

Someone tried to open a XXXX Credit Card under my name and/or XXXX on XX/XX/2021. 

Someone tried to open an XXXX XXXX Credit Card under my name and/or XXXX on XX/XX/2021. 

Someone tried to open an account at Pentagon Federal Credit Union under my name and/or XXXX on XX/XX/2021.
Consumer complaint received 2021-11-23
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: EQUIFAX, INC. (NJ)

EQUIFAX is furnishing information on my report without my written consent. I am the consumer and reporting is optional. I tried several times by mail and phone to get this matter fixed and EQUIFAX has failed to comply with the Fair Credit Reporting Act, Permissible purposes of consumer reports [ XXXX XXXX. XXXX ], which states that any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : In accordance with the written instruction of the consumer to whom it relates. I reached out to the XXXX XXXX regarding this matter and that will be my last resort before litigation.
Consumer complaint received 2024-04-15
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

On XX/XX/XXXX, our business accounts were wiped out by a garnishment from the state of Maryland. The issue is, we are a North Carolina business and have never done business in Maryland. 

We called the law office in Maryland and found out this is a case of mistaken identity. They issued an order for XXXX XXXX XXXX in XXXX XXXX XXXX Maryland, but Bank of America garnished us, XXXX XXXX XXXX in XXXX XXXX NC. 

We have been given the run-around by customer service agents and managers and even branch managers so I am asking you for help. 

The money garnished was credited back to our account on Friday. We have not, however, received any formal communication ( explanation, apology, etc ) from the bank about this issue. We had to temporarily close our business on Thursday and part of the day on Wednesday to deal with this issue and because all of our sales were being immediately garnished. 

This issue has caused a hardship for us emotionally and financially and affected our creditworthiness with vendors who we couldnt pay during this time. In addition to any fees that were assessed, we would like to request compensation for lost revenue and inconvenience. 

We would very much appreciate a response as we feel like we deserve an explanation for how and why this happened to us.