davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-20
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rock Creek Capital, LLC (CA)

This complaint is for Rock Creek Capital , LLC, and XXXX  : XXXX XXXX XXXX XXXX XXXX. In XXXX I returned a vehicle that I was leasing for ride sharing purposes, that was originally leased under XXXX XXXX XXXX, whom later closed down operations and was transferred and sold to a company called XXXX. The leased vehicle was returned to XXXX according to the contract, not violating anything on the contract and was retuned in good condition and per the representative from XXXX XXXX, I had no balance owed. I have never changed my mailing address or email. I have not changed any information in regards to my name or identity but yet there has never been any debt communicated to me by any of the parties : XXXX XXXX, XXXX, or XXXX XXXX XXXX XXXX. that there was any deficient balance or any balance owed. I do remember, even though this was almost 4 years ago, after I returned the vehicle, calling the leasing company to confirm that I had no other balance owed and they confirmed over the phone that it was in fact correct, everything was in good standing and I closed the account. I verified and confirmed with them that I did not infract any clause within the lease agreement before and after returning the vehicle in XX/XX/XXXX. I have had no collections or debt reported on any of my credit reports since I returned the vehicle in XXXX. I have never been contacted by any parties above in regards to any money owed since closing the account until almost 4 years later, on XX/XX/XXXX. On XX/XX/XXXX is the first ever debt collection I received from XXXX. On XX/XX/XXXX I mailed a demand letter for detailed information about this debt via certified mail in which they received on XX/XX/XXXX. On XX/XX/XXXX I received a response from XXXX which complies with 15 U.S.C. 1692g, and includes the name and address of the original creditor XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Tx. XXXX. In addition, the phone number : XXXX is not a reachable number, it goes directly to voicemail with no other options. It seems, XXXX  is trying to comply with the federal statue but they are representing a company that has never reached out to me, has never reported anything on my credit report and can not be reached when called. I have never been informed of any debt from either XXXX XXXX XXXX, XXXX who later bought them out and is now also out of business. Since XXXX is out of business I have no way contacting them to get access to my customer account. Like I've said, I have never been informed of a transfer of debt with any of the above companies except the one notice I received XXXX almost 4 years after the vehicle was returned. I do have the recent communications between myself and the debt collector such as the letter they sent on XXXX, my response on XXXX and their response on XXXX. I am filing this complaint agains XXXX who is representing a company or a debt or both falsely, or that they simply do not exist.
Consumer complaint received 2022-02-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Movement Mortgage LLC (MO)

I was informed by my mortgage lender, Movement Mortgage in XX/XX/XXXX that my loan was in forbearance and that my spouse, XXXX XXXX, was considered a successor in interest on my mortgage. I had received no paperwork regarding these loan modifications, nor did i agree/apply to them. I am the sole person on the mortgage and the deed and title are both only in my name. I was notified that XXXX XXXX, has been listed as the primary contact on the account with phone number as his for primary contact of XXXX and email XXXX On XXXX I was told to call back to get any update on the investigation into the forbearance and successor items in question. 

I called back on XX/XX/XXXX to cancel the forbearance as I did not know the terms nor had I applied. I was then told to call back the following week to get more updates.. 

I called back XX/XX/XXXX and was told they would process my request for documents/supporting application materials for these request and could take up to XXXX weeks. 

I talked with the XXXX XXXX  XXXX XXXX, HUD # HUD XXXX, and talked with their office on XX/XX/XXXX about forbearance and contacting Movement regarding these discrepancies.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have try several times to remove unverified inquiries that i didn't initiated in my credit report and they told me they cant do anything than i told them to show me any prove that i initiated the applications. 

Here are the inquiries from XXXX XXXX XXXX - XX/XX/2021 XXXX XXXX - XX/XX/2021 XXXX - XXXX XXXX XXXX - XX/XX/2021 XXXX - XX/XX/2021 XXXX  - XX/XX/2021 Here are the inquires from TransUnion XXXX  XXXX - XX/XX/2021 FXXXX XXXX - XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021
Consumer complaint received 2022-02-19
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. (MI)

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the items, listed below, to be removed or corrected from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned items for they were found erroneous and unauthorized. 
XXXX XXXX XXXX XXXX XXXX Balance {$2900.00} XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX Balance {$6000.00} XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance - XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance - XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance {$3200.00} XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX
Consumer complaint received 2022-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

I am writing to dispute an alleged debt with Portfolio Recovery after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? under the laws of the FDCRA these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me in the debt collector ) no official documents or authority the collection agency has, such as a license to collect in my city/state. After numerous attempts still unable to get them to verify with any official permissible documents that this is indeed my debt. Ive enclosed copies of my request to the collection agency asking them to validate this alleged debt in the receipts showing that I sent these letters certified signature request. This Debt is not mines and I was given no evidence of my obligations to pay this alleged debt to this collection agency. I will use the courts as needed to enforce my rights under the FCRA. I look forward to CFPB protection and to enforce the law against all perpetrators and violation of FCRA laws. CFPB protect my rights to a fair and accurate credit report, also if legal actions are taken and CFPB fine such perpetrators negligent against myself. CFPB would be called as a witness on my behalf.
Consumer complaint received 2022-02-21
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)

I keep paying XXXX! 
I pay XXXX  again & again & again! 
I pay XXXX with Auto-Pay! 
I paid XXXX  with telephone payment! 


I pay XXXX  with old-fashioned human to human telephone conversation payment method! 
I paid XXXX with my Primary Checking Account! 
I paid XXXX with my Secondary Checking Account! 



Most recently - I paid XXXX with XXXXBalance Transfer! 
No matter what whichway I pay XXXX - it fails to properly register with XXXX! 
XXXX keeps sending false info to credit files! 
XXXX keeps falsely acting as if - I - allegedly - did not pay! 
Even tho - I DID PAY!
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have a loan with the accounts below. The current status should not be showing late payments because I paid it on time. TransUnion Credit Reporting Agency lacks proper record keeping. The accounts are closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (TN)

On XX/XX/XXXX someone access my paypal and withdrew {$540.00} out of my crypto currency and put into paypal then withdrew it from paypal to xoom i did not authorize this i was incarcerated in jail at the time paypal keeps saying the transaction was authorized but it was not authorized by me Paypal allowed my primary phone nunber and email to be changed during all this which allowed for this to take place had they not let this perpetrator change the primary number it would of never been able to steal all my money bc my phone was locked up with me in jail. XXXX user agreement states that unauthorized activity occurs when someones credintials are used without permissions that results in the paypal customer recieves no benefit from the transaction made which i didnt there is way more than enough here to see this was fraudulent activity and paypal let someone change nimbers change emails drain XXXX XXXX accounts and use a different unconfirmed number and email to make all this fall in place Paypal is definitely at fault here and rhem sending a computerized auto generated email saying this transaction wasnt unauthorized is there way to not have to pay people back this majes Paypal Inc thieves within there selves this is quite ridiculous money isnt easy to come by and this is also telling fraudsters that what they do is ok by their standards someone stole my oassword accessed my account and it did not benefit me that is FRAUDULENT ACTIVITY BY PAYPALS OWN USER AGREEMENT I NEED MY MONEY BACK PAYPAL
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XXXX/XXXX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2022-02-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (CA)

I am an authorized user of a XXXX XXXX card, and have been for years. This credit card shows up on XXXX and XXXX, but not on Equifax. 

I have called Equifax and XXXX XXXX once a month beginning in XX/XX/2021. Each time I am told by XXXX XXXX  that they are reporting the information to Equifax every 30 days, but Equifax says they are not receiving any information from CXXXX XXXX 

Neither organization seems interested in helping me solve this problem. 

In addition to this, Equifax has a wrong address for me listed as my contact information. I have called on two separate occasions, as well as filed multiple disputes with their agency, and it is still incorrect. They list my address as having an apartment number, but I live in a house. There is no apartment building.
Consumer complaint received 2022-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX  XXXX XXXX XXXX XX/XX/XXXX {$2700.00}, XXXX XXXX XXXX XX/XX/XXXX {$160.00}, XXXX  XXXX XXXX XXXX XX/XX/XXXX {$5500.00}, XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$140.00}.
Consumer complaint received 2024-02-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: NAVY FEDERAL CREDIT UNION (GA)

I am in the process of a home equity loan for {$43000.00}. I have middle XXXX 's credit score, my income/DTI/credit/home value/title work have all been approved. I have submitted all condtions that I have been asked for. We were only waiting on Title work and Insurance to complete the loan. Both have been completed. I was asked for more conditions this week, which I submitted. Then I was asked for more conditions today, which I submitted. At this point, I think I am being racially and/or XXXX discriminated against by this particuliar underwriter. I was told today that the earliest they can complete my loan IF they are able to complete it is in the XXXX week of XXXX ( That's IF ). Throughout the process I have rarely been able to reach the loan officer by telephone for updates, questions, etc.

I have multiple bank accounts, 2 mortgages on 2 separate homes, a car loan, a credit card, etc. with Navy Federal Credit Union. I am their customer on multiple levels and receiving poor customer service.
Consumer complaint received 2022-02-21
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. (NC)

I, XXXX XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any XXXX party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 : XXXX XXXXXXXX accounts XXXX XXXX XXXX accounts one main accounts XXXX XXXX XXXX accounts XXXX XXXX XXXX accounts XXXX XXXX accounts XXXX accounts XXXX XXXX accounts
Consumer complaint received 2022-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NY)

XXXX XXXX is showing XXXX late payments on a closed account that is COVID 19 related. This account has been fully obligated and now because of COVID 19 is indicating XXXX time late. Partial account # XXXX
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (GA)

I was checking my consumer report and I saw a bunch of credit inquires that I did not recognize. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-02-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (TX)

I sent a credit dispute letter by certified mail on XX/XX/2021 to Equifax asking to verify the debts on my credit report. I have received no response verifying that the debt was accurate or legit. I am now mailing a demand to comply letter stating my rights and that the debt should now be removed. 

I am still waiting for a response from Equifax.
Consumer complaint received 2022-02-20
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: United Collection Bureau, Inc. (NY)

Hello, I have submitted multiple disputes to XXXX, made multiple calls to United Collection Bureau, as well as tried to resolve this issue directly with XXXX XXXX XXXX to no avail. This issue has been resolved with XXXX and XXXX with XXXX refusing to make the appropriate changes. 

XXXX XXXX XXXX improperly reported me to United Collection Bureau without seeking to collect payment from me directly. Upon calling XXXX XXXX XXXX, they have no record of ever sending a bill via mail or email. They only have a date in which they created a statement. 

After numerous calls with XXXX XXXX XXXX, they refuse to investigate the situation citing that this case has already been turned over to United Collection Bureau. They refuse to produce any record that they ever attempted to bill me for my services and simply state the this has been turned over already and is out of their hands. 

United Collection Bureau insists that XXXX XXXX XXXX has the burden of remedying this situation and that they are only the reporter. 

In talking to XXXX and filing multiple disputes, this bureau continues to somehow find that the improper reporting of the delinquency is valid despite XXXX XXXX XXXX having no records to support. 

That said, United Collection Bureau should be removed from my report. The account is closed, paid, and was improperly created as the result of fraudulent practices by XXXX XXXX XXXX. 

Thank you, XXXX XXXX ( XXXX XXXX Service Date : XX/XX/2020 )
Consumer complaint received 2022-02-21
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (CA)

This phone number keeps calling me regarding my PayPal credit account asking me to call a different number. They ohrase it as if they are debt collectors, however, I am not behind on my payments. When I call, there's no response and I'm apprehensive about calling again so they don't grab my information.
Consumer complaint received 2022-02-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (GA)

I recently sent a letter to Experian about validation of this debt, this debt has been removed from XXXX and XXXX. I challenged the validity of XXXX XXXX XXXX account thats being reported on my most recent credit report. Upon challenging this, account was removed from my credit report account due to fraud. XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.
Consumer complaint received 2022-11-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I would like to comment on an unethical and inequitable banking practice that is legal and ubiquitous in the industry that financially disadvantages the least advantaged. 

This is the kind of issue that would require legislation to solve. Allow me to describe this as clearly as I can. First some facts as I understand : XXXX, I have XXXX forms of personal credit debt. 
+ Purchases + Cash Advances + Balance Transfers Each of these categories of credit has different interest rates. 

Each category of credit shows up as a separate fee on my statement. 

All three types of debt are expressed as a single balance. 

I am charged " fees '' XXXX every month rather than a single fee for the total balance. One for each category. 

Borrowers can not pay off individual categories of debt. This is an inequity. And probably unethical. At a minimum, it is crippling financially to the entire population. Lenders separate these categories with different terms, yet borrowers can't. How is that fair? 

So, if I borrow {$40.00} in a Cash Advance it is added to my debt of {$10000.00} from Purchases. The amount owed is {$10000.00}. There is then an additional fee of {$20.00} on my statement for interest. Let 's say my usual monthly contribution is {$100.00}. But, this month I pay my usual {$100.00} + the {$40.00} I borrowed + the {$20.00} fee. That's {$160.00}. 

And yet, I still see that {$20.00} for a Cash Advance EVERY MONTH until the ENTIRE {$10000.00} is paid off. They keep charging me at that addition ( higher ) interest rate on money that was NOT borrowed as a cash advance. 

In summary, I could end up paying $ XXXX on a {$40.00} cash withdrawal. How is this honest? When is enough enough? 

So, ok I transfer {$1000.00} to my card. Now, every month I have XXXX fees of {$20.00} to equal {$60.00} in monthly interest fees... forever ... even if I return the {$1000.00} and the {$40.00} plus interest within a month. Again, why should the {$10000.00} on XXXX be charged interest XXXX ways when those debts were paid off? 

How much money will I lose on the {$40.00}? I'm no accountant but it's more than anyone would borrow if they knew! 

Now, I also have transferred a balance. It works exactly the same way as Cash Advances. I thought I was being clever by consolidating my debt. That was a disastrous plan. What are the incentives to transfer a balance? I can't think of any apart from saving 5 minutes on paying two lenders every month.