davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (WY)

I received a letter from XXXX XXXX , XXXX which claims their client LVNV Funding LLC has " purchased '' an account from XXXX XXXX  XXXX XXXX. for {$14000.00} which is far more than I ever had a credit limit for when I was a customer of XXXX XXXX. I filed a complaint against XXXX XXXX a very long time ago for fraud, which they paid off as part of a class action lawsuit with multiple Colorado plaintiffs but I never owed XXXX XXXX  anywhere near {$14000.00}. XXXX XXXX is claiming that I can discharge this debt for a one time payment of {$5900.00} which confirms the debt is false and spurious. XXXX XXXX has provided NO evidence that their client purchased the alleged debt, they have not provided any contact information other than a phone number and a Post Office box, and the letter was dated " XX/XX/2020 '' but was not received until XX/XX/2020. XXXX  XXXX has not identified any specific person at LVNV Funding or any contact information for LVNV Funding to dispute this alleged debt. In short, this meets the criteria of " phantom debt '' where unscrupulous and criminal perpetrators attempt to shake down the public to avoid shame. I am requesting the name of principals involved at XXXX XXXX and LVNV Funding that can be named in subpoenas for deposition and litigation.
Consumer complaint received 2020-03-31
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: Experian Information Solutions Inc. (MI)

I had a bankruptcy discharged in XX/XX/XXXX, since that time I have followed all guidelines, have 100 % pmt history, established credit and remained below the standard credit useage guidelines. I sent repeated disputes to Experian about mis-reported bankruptcy accounts. 

The last one was 1 mo ago for XXXX XXXX XXXX, they were reporting as a 3 month old account, they admitted it was their error and stated it would fix, and my score would reflect it. 

I received and Experian alert today about potentially negative items : XXXX was back, yes reported in bankruptcy but dated XX/XX/XXXX making it appear a relatively recent account, and then they added XXXX same thing but dated it XX/XX/XXXX, making it also appear as a current negative account. 

I made 4 calls to their dispute center and each time given a bunch of double-talk, but the bottom line is Experian sent these on a credit alert as changes to my file and dropped by score again, back to where it was. One agent told me they have no control of the score, but they do in how they report. I have been so diligent about repairing my credit and all other scoring is showing me at XXXX, and it is my feeling that Experian deliberately creates problems so you will be inclined to sign up for their endless list of payable services. 

If we are at the mercy of a credit reporting company, the least we can expect is that your credit and payment history correctly reflect the individual, and they should not be able to hide behind well-rehearsed account representatives who attempt to " XXXX '' your concerns, and have no consequences for their actions. Again I received this " credit alert '' from Experian, themselves this morning. While I am at it, on the attached screen shot, there is a XXXX XXXX entry, I was going to get flooring through XXXX, they signed up a XXXX XXXX Account, and I refused the service/closed the account. Think I can get that removed..fat chance. I want a credit score that reflects my credit history.
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My mom informed me that I received a letter in the mail from where I use to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money monthly. They have the wrong information. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report.
Consumer complaint received 2020-03-31
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. (AR)

My daughter just turned XXXX and I wanted to get her a new car since she is going off to college. As I went into the dealership and I picked out the car I wanted for her I had to get my credit pulled and there was things I was not familiar with. None of these things listed on my report belong to me. Could you please remove these items.
Consumer complaint received 2020-03-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (GA)

Copy of letter to the company : Dear Sir or Madam : This letter is a formal dispute for a charge on my account for the amount of {$2200.00}. I received your letter dated XX/XX/XXXX regarding my dispute to the finance charges added to my account. My letter dated XX/XX/XXXX and XX/XX/XXXX confirms your conclusion from the investigation. 
However, I still feel that this charge should not be made to me because I paid off the balance for the 12 month interest free payment special related to the XXXX  XXXX. Please consider my payment history in regards to my dispute. 
I made a payment of {$6000.00} on XXXX which left a balance {$71.00}. I made another payment of {$270.00} on XX/XX/XXXX that resulted in credit balance of {$200.00}. I was issued a refund that amount. Even though the interest free special expired on XXXX, I made an effort to pay off the balance within a year. I made my payments on time for the past 12 months. I feel that I should not be charge interest just for {$71.00}. 
In addition, due to my financial hardship as a result of COVID-19 virus, I will not be able to pay the interest charges. 
Again, I would like to request that interest charges of {$2200.00} be removed and the remediation of any negative credit reporting. 

If there are any related charges, they should be removed too. I would like to receive an accurate copy of my credit card statement when this item is removed.
Consumer complaint received 2021-06-18
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (ME)

Spent 3 plus hours of and on the phone with equifax. I was trying to have them update a Creditor input and was told only the Creditor could call them to update. They would not help. So I spoke with the Creditor and multiple agent confirmed they had already sent the update to the Bureau and it was up to them. I called back and spoke to multiple supervisors and was told there was nothing I could do or no one I could speak to expedite this. I was informed over and over again the the Creditor could update it. I was then told I could upload the settlement letter to them for faster update and I ask how and they hung up on me.
Consumer complaint received 2020-03-31
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONS DIRECT MORTGAGE, LLC (IL)

I emailed all the documents that were required TWICE TO nations direct. not FAXING EMAILING, and received confirmation that they received the documents, yet instead of processing my file, they keep sending me letteres they are missing documents, which THEY CAN NOT be since I emailed it to them. 

You can not get thru on the telephone to LOSS MITIGATION due to COVID 19 to speak with anyone. Please help and intervene
Consumer complaint received 2020-03-31
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LCO Financial Services, LLC (TX)

I applied and received a loan from blue trust loans. Blue Trust Loans is an installment payday loan company that offers loans of up to {$2000.00} cash that are repaid over a six-month period. It is owned and operated by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a federally-recognized sovereign government American XXXX XXXX. 

I want to report them for having predatory lending. I have been paying XXXX every month for payback since XX/XX/XXXX on a XXXX loan and only XXXX has decreased from the XXXX original balance. I just paid XXXX yesterday am being charged XXXX per day on interest alone on an XXXX loan. Today I called and asked to pay off loan. I have been paying XXXX since XX/XX/XXXX yet tomorrow in order to pay off my loan I have to pay XXXX ON AN XXXX LOAN. 

Please advise if this is not the right agency to handle this. 

thank you
Consumer complaint received 2020-03-31
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. (AR)

I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.
Consumer complaint received 2023-01-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2020-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

I have had 2 Capital One for 3 years and 10 mths. I quite utilizing their cards for cards because they allowed a company to defraud me by {$1000.00} and forced me to pay the amounts after crediting and charging me back twice in 3 months. This is still in litigations due to Capital Ones actions.

I have requested credit line increases SEVERAL times over the past 2-3 years. Several times I got denied without written correspondence of reasons why. Last credit line increase I requested 3-6 months ago I was denied because I " do not utilize their credit line efficiently '' I then started utilizing their 2 cards. Last credit line increase I had was 2-3 years ago. I have no missed payments. I ha
ve utilized the card responsibly for almost 4 years. Capital One refuse to increase my credit limit from  XXXX and XXXX. I do not know why I am being penalized. I have attempting building my credit since XX/XX/XXXX when I filed bankruptcy and now Im not adequate or good enough consumer to increase my credit lines. Both cards started at XXXX credit limit and they did 2 credit line increases YEARS ago. I am requesting investigation as to why my credit lines increase requests are not being processed and/or denied without sufficient reasons. I believe I am being penalized because I have filed MULTIPLE complaints against Capital One for allowing XXXX XXXX XXXX XXXX to defraud {$1000.00} from me in XXXX these cards are my longest standing accounts and have been attempting to build credit and utilize these as debt to ratio reasons as well.
Consumer complaint received 2020-03-31
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I have several items on my credit report that are not mine including a child support debt. I have never been put on child support. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report.
Consumer complaint received 2021-06-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

I was recently released from XXXX XXXX XXXX XXXX  after being XXXX  for XXXX XXXX and XXXX XXXX. I had a friend help me with my credit profile so I can begin to build my credit so I can obtain housing after being locked up for so long. She went to pull my credit reports and noticed there was a collections account from Capital One which had been sold to XXXX XXXX due to non payment. According to my credit profile, the card was opened in XXXX and placed in collections in XXXX. I was arrested back in XX/XX/XXXX and was not released until XX/XX/XXXX so there is no way I was able to open a credit card in my name especially because in prison we did not have access to the internet. I have proof that I was XXXX  the entire time. I called XXXX XXXX on XX/XX/XXXX and the young lady on the phone provided me details about the charges and the account which I have no knowledge of. The address that the statements were being sent to was not my last known address before I was arrested. She stated they will start a dispute being that I was XXXX  but not sure if they will actually remove the collections account. I did not open a credit card account with Capital One being that I was in XXXX  for XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (IL)

I ham having a difficult time getting my loan count to be proper for PSLF. 

I have called several times to the Fedloan Servicing over 10 times in the last several years trying to get my loan count for PSLF properly done. 

Prior to XX/XX/XXXX, my payment counts had been correct. After that, they had gone through a computer system change and it seems to have taken away payments before that had been previously counted. 

My last communications with them had been on XX/XX/XXXX - I spoke with the payment counts. They said that they would re-review it. Since then though, I have not gotten any change in the PSLF counts. 

By my count for all my payments between XX/XX/XXXX to XX/XX/XXXX, one of my loans should have at least 56 that are PSLF eligible and the other one should have 58 that are PSLF eligible counts.
Consumer complaint received 2021-06-18
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: Santander Consumer USA Holdings Inc. (TX)

As a Federally Protected Consumer asserting my rights, I have attempted to resolve this matter with the company in question ; Santander Consumer USA. They simply responded by referring me to the collection agency that they sold/assigned the debt to and providing me with the copies of my original loan contract. Within that contract Ive found several violations where Santander Consumer USA are criminally and civilly liable. My attachments provide proof of ALL violations under 15 USC 1601, 15 USC 1681, 15 USC 1692
Consumer complaint received 2020-03-31
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CBE Group, Inc. (FL)

I am receiving derogatory remarks on my credit score / credit report from an account in collections from a company I do not know and do not owe {$290.00} to. I have not received any calls about this amount due and was not served any paperwork from this company. It is weighing down my credit score and I would like to resolve this issue.
Consumer complaint received 2019-12-15
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. (NY)

This account listed on my credit report must be removed. It does not belong to me. I have filed several complants through the FTC, directly with the creditor etc ... .yet it is still showing on my credit. If it not removed I am going to file a lawsuit due to violations of the FTC, FDCPA and FCRA. 

The Account is : XXXX XXXX Balance {$11000.00} Opened : XX/XX/2011
Consumer complaint received 2020-03-31
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: Experian Information Solutions Inc. (GA)

XXXX, XXXX, and Experian has failed to provide results of my investigation on the following items : 1. XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. They even dropped a court case against me when they realized that they could not prove this account was actually opened by me. I started disputing this account back in XX/XX/XXXX, but XXXX   and Experian said they verified the debt. How is this possible when the original creditor could not verify the debt. My last letter in XX/XX/XXXX yielded no response from XXXX  and Experian to this issue. 
2. XXXX XXXX XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. 
3. Unverified Inquiries - I asked them to verify this inquiries were created by me by asking the creditor for my signed application. None of these creditors could provide me with a signed application. Yet, Transunion says they verified these inquiries. 
I did not create these inquiries : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX - XXXX XXXX, XXXX/XXXX, XXXX  XXXX  XXXX According to the Fair Debt Collection Practices Act, XXXX has broken the following statues : 1. Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt I never received the following from XXXX, yet XXXX  is reporting them on my credit. 

2. Failing to follow debt dispute procedures 3. Failing to conduct a reasonable investigation my dispute 4. Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.
Consumer complaint received 2020-03-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (PA)

I have been on income based repayment since XX/XX/XXXX. During this time, I have had multiple services and am currently with Fed Loan. I have submitted my employment certification form to fed loanfor my employer from XX/XX/XXXX to XX/XX/XXXX. This was accepted as a qualifying employer. I have made 81 payments from XX/XX/XXXX to XX/XX/XXXX. This is based on review of my bank statements to make sure payments were made. However, the count on the website for qualifying payments is still 21 ( i.e. 5 years worth of payments is missing ). I asked for a manual count in XX/XX/XXXX. I then reached out to the fed loan ombudsman around XX/XX/XXXX. I have reached out to them multiple other times for status updates and they verify that manual count is still not completed. Once i submit my new employer certification from XX/XX/XXXX to present, I should be at 102 payments ( close to forgiveness which occurs at 120 ).
Consumer complaint received 2020-03-31
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: Experian Information Solutions Inc. (VA)

XXXX XXXX I sent a dispute to Experian Credit Reporting agency to dispute error on my credit report. I understand the investigation can take anywhere between 30-45 days ; with in that time frame I still have not received any response. I sent another letter Dated XXXX XXXX with in detailed advising that I did not receive an response from my previous letter & listed the items that I am disputing with more details of the dispute. 

Today is now XXXX XXXX I still have not received an response / update of the investigation.
Consumer complaint received 2020-03-19
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC. (CA)

On XX/XX/XXXX @ XXXX hours I received a call ( phone # XXXX ) from a man claiming to be XXXX XXXX of Caine & Weiner ( Im guessing a debt collection agency ) & stated they were a contracted company out of the City of XXXX Finance Department. He stated that I had not filed/reported for a business license renewal for the year XXXX. Well Ive never applied for a business license first of all, & secondly while I do in fact run a small business, all of my quarterly income & applicable taxes have been reported & filed with the city. My XXXX is in good standing. I believe he obtained my business name & an old address that I did business out of for less than 2 months possibly from discarded mail from that old location. He stated that if I didnt provide proof of this filing that the $ 3k+ debt would remain in collections. I have already updated my address info with the city regarding my business long before I received this call ( obviously a red flag ) so any legitimate paperwork would have been received at this updated address. At this time, Ive received nothing. I asked where I could send the proof & he gave me an email address of XXXX.
Consumer complaint received 2020-03-20
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. (MS)

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.