davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-04-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

This debt collector has engaged in abusive, deceptive, and unfair practices prohibited by the FDCPA. They have reported this account without our agreement, and I have not signed any agreement regarding it. A legal contract involves mutual consent from both parties, of which I have had no part. Furthermore, they failed to properly document my dispute of the account, directly violating 15 USC 1692e ( 8 ) and constituting unfair practices. 

Under the FDCPA, I am entitled to {$1000.00} per violation, and it is evident that they have violated my rights. 

I demand that this company remove this account from all three credit reporting agencies and provide compensation for the violations. Otherwise, I will be left with no choice but to escalate this matter to my litigation attorney. They have informed me that the failure to document my account on my credit report as a " consumer dispute '' is grounds for legal action.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

I submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all three bureaus ( XXXX, Experian, and XXXX ) and I still haven't received a response from any XXXX of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.
Consumer complaint received 2022-02-17
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: Shellpoint Partners, LLC (OH)

I just had this issue opened. Shellpoint removed from XXXX credit report and now Today I was just alerted it was added to my XXXX report. This Mortgage needs removed immediately from all credit reports and not to be added again
Consumer complaint received 2019-11-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: JPMORGAN CHASE & CO. (FL)

I am writing to request your help and notify multiple violations to the Free Credit Reporting Act. My rights as a consumer are being violated. I have an account with JP Morgan Chase Bank, account # XXXX, opened : XX/XX/XXXX, Limit : {$30.00}. This company is reporting a late payment on my account, committing violations to the section ( 609 ) of the Fair Credit Reporting Act by reporting FALSE AND ERRONEOUS INFORMATION. 

Ive always been on top of my payments, that Is why is enrolled the 2 accounts in automatic payments. Chases website is not friendly at all. It was really difficult for me to set up the automatic payments for both account ; however, they only did it for one account. As proof that I had the money and that I was willing to pay, the other account ( XXXX, Date opened XX/XX/XXXX, Limit {$9000.00} ) is current without a single late. 

This was not a money issue. I did have the money to pay. They are being negligent and unfair with this. This is affecting me in a huge way, mentally and physically. 
They are also being unreasonable because I NEVER RECEIVED A LATE PAYMENT INSERTION BY MAIL, as required by law. They are committing BREACH OF CONTRACT, these are two more violations to the FCRA and the list of violations is much longer once I sat down with my attorneys to talk about my awful experience with this company. 

I have a Pending mortgage for {$500000.00} because of this incorrect information being reported. I demand a deletion letter from JP Morgan Chase Bank as soon as possible so I can provide to my mortgage company and get approved with the interest that I deserve. If they refuse to provide letter of deletion letter through CFPB portal, I will not think twice to let this issue be decided by a judge in a law suit court. I am sure that it would be a trouble for Chases records taking this issue to a court. Thanks for reading my complaint. 

See Bank account attached from the time of the issue, as proof that I had enough funds to pay.
Consumer complaint received 2018-05-02
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CASH AMERICA INTERNATIONAL, INC. (CO)

I received this email XX/XX/2018, and they said that I owed XXXX. I have never responded because I have never taken that loan. I can not pay for something that I did not do.
Consumer complaint received 2022-06-14
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. (OH)

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

In accordance with the Fair Credit Reporting act XXXX Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX  Account name XXXX  account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXXXXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXX  Account name XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name 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 a account without my written instructions
Consumer complaint received 2022-08-26
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: ENCORE CAPITAL GROUP INC. (TN)

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 
15 USC 1666B : A creditor may NOT treat a payment on a credit/card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-06-14
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. (OH)

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

In accordance with the Fair Credit Reporting act XXXX Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXX Account name XXXX XXXX XXXX Account XXXX XXXX In accordance with the Fair Credit Reporting act XXXXt Account name XXXX XXXX Account # XXXX XXXX accordance with the Fair Credit Reporting act XXXXXXXX Account name XXXX XXXX Account # XXXX In accordance with the Fair Credit Reporting act XXXX Account name 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 a account without my written instructions
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CCS Financial Services, Inc. (CO)

on XX/XX/2021 I sent Credit Collections a dispute to remove a PAID medical collection. I informed them that it falls under The Medical Debt Relief Act : Per Federal LAW it states : " paid-off and settled medical debts must be removed from credit reports that have been fully paid or settled ''. 

Since Credit collections didn't respond, I sent XXXX, XXXX, and XXXX a dispute stating the same thing, XXXX removed it however, I still have not received a response from XXXX or XXXX. 
XXXX updated comments to this : Account information disputed by consumer, meets FCRA requirements. I'm confident that this is also a violation of the FCRA considering no investigation was done. 

This is a violation of federal law and must be removed. It has yet to be removed, nor have they responded to me.
Consumer complaint received 2022-08-26
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 is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have been sending numerous letters to the Credit Bureaus for them to remove the accounts and information that resulted due to the theft of my Identity. The last letter I sent to Experian was XX/XX/XXXX with complete attachments of my Personal information, but despite all my efforts, Experian seemed to ignore my appeals and neglect their duty to comply with the FCRA section 605b. In my Previous letters and complaints, I am requesting that Experian investigate and verify the accuracy of the item I am disputing by providing me with documents that bear my Signatures. Since then, I have been waiting for them to respond to my letters regarding the investigation and the documents I have been requesting, but after a time of waiting, they sent me nothing. The Credit Bureaus are given ample amount of time to do and finish their investigation but their investigation had done nothing to correct my File. Now, I am submitting this complaint to urge Experian to remove the disputed item with or without proper investigation since the time allotted for them to conduct their investigation is already over. Once again, I AM REQUESTING THAT EXPERIAN REMOVE THE ITEM COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9700.00}
Consumer complaint received 2022-02-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION (GA)

On or about XX/XX/XXXX, I XXXX XXXX XXXX noticed that approximately {$2600.00} had been electronically taken from my checking account ending in XXXX. These XXXX transactions started XX/XX/XXXX until XX/XX/XXXX. The transaction was taken fraudulently via XXXX. The XXXX name of the individual was XXXX XXXX ( XXXX XXXX ). I do not know this individual and do did not approve these transaction. I reported this to the Suntrust Fraud Department on or about XX/XX/XXXX. As this far, Suntrust has refused to reimbursement me.
Consumer complaint received 2021-11-06
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: EQUIFAX, INC. (CO)

I Do not recognize or no what these inquires are on my consumer report that you are reporting these are fraudulent inquires that i want removed from my consumer report. 




XXXX - XX/XX/2021 XXXX  - XX/XX/2021 XXXX-XXXX  - XX/XX/2021 XXXX  - XX/XX/2021
Consumer complaint received 2018-05-02
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. (TN)

The problem : I negotiated with XXXX to have my debt cancelled and discharged, and we reached an agreement that they would cancel the debt and issue a XXXX and I would claim this as income on my tax returns. XXXX   verified they canceled the account, but is still reporting this account as late each and every month since 2012 even though the debt was cancelled and discharged, I owe them nothing, they won't accept any money, but yet they continue to report on my credit reports that I am 90+ days late EVERY month. This needs to be fixed. I have attached the proof.
Consumer complaint received 2023-08-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NC)

Nelnet recently put me on the XXXX plan without my knowledge or consent, even though I had repeatedly requested to be on XXXX or XXXX. 

I was on XXXX when my account first transferred to Nelnet, as the attached communications clearly show. Nelnet eventually said that I did not qualify for XXXX, but I had been clear in my emails that I wanted to be on XXXX or XXXX, and even requested before the application had processed that I wanted to be SAVE instead. 

Nelnet has tried to say that they merely returned me to the XXXX plan, but this is not correct. I have ample evidence that I was on XXXX before the request to move to XXXX. Nelnet should have returned me to XXXX 

I should not have to make a payment or have my interest capitalized because Nelnet has made an administrative error.
Consumer complaint received 2020-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (CA)

Inspite of many previous requests to XXXX, XXXX, EquiFax XXXX XXXX, this letter is a formal complaint that XXXX is willfully reporting inaccurate credit information of zero payment on XXXX Account on XX/XX/2019. But, it was duly paid. See the bank transaction in the attachment furthermore EQUIFAX REFUSED TO GIVE ME AN UPDATED CREDIT REPORT AFTER PROVDING GAS BILL AND DMV
Consumer complaint received 2024-04-05
Product: Credit 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: Comerica (GA)

the company agreeed to one credit back to me. ; however two other purchases at the same store and the same amount, i hav't been resolved yet.It has been over a month.The company continue to say the paperwork is in the mail.That have been three wks. ago.Please help!
Consumer complaint received 2022-02-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY (TN)

On XX/XX/2022 I received a text message saying fraud alert. Shortly after that I get a call which read Wells Fargo Bank. And it went like this.Hello XXXX XXXX my name is XXXX and Im calling from the fraud department. We have received a alert that someone is trying to take 3500 from your account through XXXX. Also XXXX XXXX your card has been compromised in XXXX Florida. These charges will be send by XXXX and we need to hurry up and reverse these charges back to your account. I never used XXXX so I had no clue on what was really going on. I was instructed to send 1,000 for the first transaction and then 2,500 for the second transaction. And not really paying attention I noticed that my funds were disappearing from my account. I told XXXX why is my funds being taken away if we are supposed to be reversing this charges. At this point he started to get defensive. I asked if my account has been compromised then it would be a good idea for me to change my password. He instructed me not to do that until I get my card in the mail and also not to go on my account at all until I get my new debit card. Im like okay this doesnt make sense to me and told him bye. I hung up in disbelief of someone just scammed me of my money. I was so upset and cried. I then called my bank and told them what happened and filed a claim. Wells Fargo told me it would take up to 10 business days to get a response. I eventually received a letter from them stating they could not give me my money back because I sent the money through XXXX. I was hurt all over again. To think my own bank could not do anything about this matter. They never asked what proof did I have. They never asked what number called me. They never asked my anything. For someone to rob me of my own money really broke my heart.
Consumer complaint received 2022-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted paperwork proving that I was a victim of identity theft on XX/XX/2021 to all XXXX bureaus ( Transunion, XXXX, and XXXX ) and I still haven't received a response from any XXXX of them. I had proof that my identity has been compromised and that I need an investigation to clear everything up.
Consumer complaint received 2024-04-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Army and Air Force Exchange Service (SC)

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Militar Star
Consumer complaint received 2024-04-05
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Portfolio recovery services repeatedly calls me threatens that there will be legal action against debt that is almost 10 years old. I lived in XXXX  at the time and now live in XXXX. I have asked them to stop contacting me and they have not done so. I saw an attorney that told me the debt is too old and that they are using scare tactics. The calls interrupt my work and they even call on Sundays.
Consumer complaint received 2020-07-27
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (MO)

Initially I had a credit card account with XXXX  XXXX who was purchased by XXXX XXXX. I lost my job and was unable to make any payments. I attempted to negotiate/ask for respite from the company and was denied any consideration. I did, however, write them agreeing I owed {$6300.00} ( the credit limit ). In XXXX, when I finally was able to secure a job, I wrote again and began paying {$50.00} per month. The debt was subsequently sold ( multiple times ) and now is with XXXX XXXX XXXX. I have been writing to them recently asking for a complete accounting of the funds submitted to them and their predecesors from XXXX to XXXX a total of 13 years. To date I have not received the requested accounting. In an XXXX article I just discovered that some debts have a statute of limitations or a " time-barred '' expiration date. The article indicated that limits vary by state and generally range from three to six years, depending on the debt. I am again writing to them and again requesting an accounting as well as informing them I have submitted this complaint with the Missouri Attorney General 's Office as well as with the Consumer Financial Protection Bureau of the United States Government.
Consumer complaint received 2020-07-27
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)

There is a collection on my account that does not belong to me that is being reported by XXXX XXXX XXXX. In reviewing my credit reports there were several items that were not mine that had been opened in my name as a result of Identity Theft. I filed a complaint with the FTC when I became aware that these items were being reported. The FTC complaint is attached. 

This is the last remaining item ( currently known ) as the result of the identity theft. I am politely requesting that this be reviewed and removed as I did not open this account. 

Thank you
Consumer complaint received 2018-04-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (KS)

Hello, I received a notification from credit monitoring about a new collections account on XX/XX/2018. It is a Diversified Consultant Inc company name. I never received a Dunning Letter for one. For two I filed a complaint with you folks..reference # XXXX. This number was with XXXX XXXX. This Diversified Consultants is a new company trying to collect on a debt not owed. They took over from XXXX XXXX. 
My complaint is with Diversified Consultants now. Please see filed complaint number XXXX exact same with Diversified Consultants. 
Thank you
Consumer complaint received 2020-11-04
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

I have repeatedly told Portfolio Recovery Associates ( the company ) not to contact me on my cell phone as this number was not provided to either the Debt Collector or the original debtor of any of my accounts. I just recently got this number in XXXX, 2020 and the calls started almost immediately with no interaction from myself with the debt collector or the original debtor. The original debts are over 3 years old. I have notified the company that they have illegally obtained my cell phone number, as well as that it is inconvenient for them to contact me there which puts them in violation of the FDCPA. Portfolio Recovery Associates calls me several times a day, they never leave a voicemail when I do not answer and they continue to violate the FDCPA by inconveniencing me at work which can cause me to lose my employment. My last interaction with them was today, XX/XX/2020. I have been telling them since XXXX, 2020 to stop calling this number, yet they continue to call it.