davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-12-14
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC (FL)

This is in reference to an alleged debt from XXXX XXXX and Oliphant Financial. 

According to 15 USC 1692a, Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered XXXX XXXX  and financially. 

Your company and its agents XXXX  me for an alleged debt that was not even validated. Your company shared statements as well as a XXXX XXXX as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX. XXXX XXXX a copy of the XXXX XXXX is not sufficient evidence of debt. 

While going through my XXXX Report, I came to know about these inaccuracies as well as fraudulent information that was reported in it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 

Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Due to your continuous acts of deceit, coercion, and intimidation, I have recently XXXX XXXX XXXX XXXX XXXX I was also discriminated against and denied my right to extend credit. I have suffered XXXX  as well as financial hardship. 

I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : Deletion from all consumer reports XXXX away any alleged balance owed XXXX as per the attached invoice ; {$25000.00}. 

You shall be granted XXXX ( XXXX ) days to respond. 
Rule XXXX. Presumptions in Civil Cases Generally - explains your duty to respond. 
Rule XXXX. Need for XXXXersonal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter. Evidence to prove personal knowledge may consist of the witnesss own testimony.

If there is no response to this letter within twenty ( 20 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. 

Thank you for your attention to this matter,
Consumer complaint received 2023-06-20
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 (MA)

in XXXX and XX/XX/XXXX, the following companies reported late payments on my credit reports XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX This company reported late payments on my account from XXXX - XX/XX/XXXX on my credit reports XXXX XXXX - XXXX Per 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Section F states Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 
( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current. 
( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off. 

Therefore, these late payments should be removed from my credit report
Consumer complaint received 2019-06-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (OR)

On XX/XX/18 all of my student loan accounts reported by FedLoan Servicing were incorrectly reported as XXXX days late and continue to be reported as XXXX days late on all of my credit reports. These accounts were paid in full after being one month late due to paperwork issues and continue to be in good standing. I have called FedLoan Servicing to try to resolve the issue and they have told me that I paid the late amount after one month and that it should not affect my credit score.
Consumer complaint received 2017-05-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A. (AR)

New Citi card that I ordered was compromised by an email hacker who also Hijacked my email account. Citi says they w ill send new card  XXXX  by mail and I would have it in a couple of weeks. I then asked that a new card be sent by overnight mail. They said they did that o n 3 differe nt occasions during the week of  XXXX   XXXX  to  XXXX   XXXX ,   XXXX  . Citi has issued  XXXX  different cards during this time frame in my name and not sent the card to me. I have received no statements at all from  Citi. I am una ble to determine what charges have been made to any of the  XXXX  cards or accounts opened in my name.
Consumer complaint received 2019-06-21
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: EQUIFAX, INC. (TX)

The following account had fraudulent charges made on it and it is reporting as open when it is in fact closed. Also they are reporting the account as a factoring company account which it is not also the account was re-aged as well and they do not list the date of last activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA-XXXX  Account Number : XXXX Status : COLLECTION ACCOUNT Account Owner : Individual Account. High Credit : {$4600.00} Type of Account : Open Credit Limit : Term Duration : Terms Frequency : Date Opened : XX/XX/XXXX Balance : {$4600.00} Date Reported : XX/XX/XXXX Amount Past Due : {$4600.00} Date of Last Payment : Actual Payment Amount : Scheduled Payment Amount : Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : 42 Creditor Classification : Banking Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Factoring Company Account ( debt buyer ) Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress, Collection account 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CA NR NR CA NR XXXX NR NR NR NR NR NR NR NR NR NR CA NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR
Consumer complaint received 2023-06-16
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Advance America, Cash Advance Centers, Inc. (AL)

i got a title loan around covid time now the title company is not doing titles any more they are trying make me go to another loan company to get them to buy my title from them back and thats putting me in bigger debt i cant afford it
Consumer complaint received 2019-06-21
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: EQUIFAX, INC. (TX)

This loan does not belong to me it was taken out in someone elses name. And Equifax has chosen to reage the account as you can see below. 

DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account Number : XXXX Status : 120+ DAYS PAST DUE Account Owner : Individual Account. High Credit :  {$3500.00} Type of Account An installment loan has a fixed number of payments and the same payment due each month, such as a car loan or student loan. : Installment Credit Limit : Term Duration : 128 Months Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : Actual Payment Amount : {$0.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : N/A Date Major Delinquency First Reported : Months Reviewed : 48 Creditor Classification : Activity Designator : N/A Charge Off Amount : Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : XX/XX/XXXX Type of Loan : Education Loan Date of First Delinquency : XX/XX/XXXX Comments : Consumer disputes - reinvestigation in progress 81-Month Payment History Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NR NR NR NR 120 XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NR NR NR NR XXXX NR * * * * NR * * * 90 XXXX XXXX XXXX NR NR NR NR NR XXXX XXXX XXXX 90 120 150 NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR NR NR NR NR NR NR NR NR XXXX NR NR NR NR
Consumer complaint received 2019-06-21
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (VA)

Yes, it involves the three bureaus. It is with fica also. There is a judgement on file against me. I was a holder among others of a credit card of a company that went out of business. The business owed the credit card money. They could not collect from the company because the company went broke. So the credit card company then sued all employees that held a company credit card. Not knowing i could be liable and the others also ignored the credit card company. they file suit against employees of which I was one an got a judgement against me and others for the company debt. Tgat judgement is on my report. If it is going to be there it should show the reason for the judgement which I am still contesting. 

Next, i am shopping for a mortgage. I am looking for a rate suitable for me. It may take one month. It may take six months. In the meantime hard pulls are being made and each time my credit score goes down and down. if you look at the payment portion of my credit it is 100 % on time, never late and paid the amount and sometime more each month. tis has dropped my score to low 600 's. It is uncalled for and I so disagree with fair issac as to how they record inquires and makes credit scores drop.
Consumer complaint received 2018-03-07
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. (GA)

The credit reporting Agencies illegally allowed XXXX XXXX XXXX, to continually add late payments to my account after they charged off the account. When this account started reporting as closed there should not have been any more delinquencies, but this account has been continually reporting late payments. This account has been closed since XX/XX/XXXX and my credit reports are showing late payments up to XX/XX/XXXX. This account is also showing as a charge-off since XX/XX/XXXX, but again the credit bureaus are continually allowing this company to illegally report late payments, that's impossible to late on a closed account.
Consumer complaint received 2019-06-21
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY (NV)

I was expecting my paycheck on XX/XX/XXXXof this month to reflect on my Amex/bluebird card my paycheck is been paid there automatic, I logging online with my computer into my account to know if it's available on my balance cause my phone was at the doctor to fixed it but all of a sudden I tried to logging but not going through it keep saying the username and password combination isn't right, I call the customer care they said my account was permanently suspended and hang up on. The Amex XXXX and customer service line have been no help I still have money in there I have to pay rent food medication etc.
Consumer complaint received 2019-06-21
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. (OH)

I am not sure how this works, I was looking over my credit report and I have seen addresses that do not belong to me. My name is XXXX XXXX XXXX please remove any other variation of my name. My SS XXXX DOB XXXX. My current and only address is XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX please delete the folowing addresses they are not correct : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX,  XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, OH XXXX Please remove these unknown cellphone number they are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX
Consumer complaint received 2019-06-21
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: EQUIFAX, INC. (TX)

The following addresses I have not lived at Former Address 1 XXXX XXXX XXXX XXXX   XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 4 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 5 XXXX XXXX XXXX XXXX XXXX, GA XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX Former Address 6 XXXX XXXX XXXX XXXX XXXX, OH XXXX First Reported XX/XX/XXXX Last Reported XX/XX/XXXX
Consumer complaint received 2019-06-21
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. (CA)

EXPERIAN IS NOT DOING WHAT THERE LEGALLY OBLIGATED TO DO. THEY ARE NOT USING FAIR PRACTICES AND HURTING PEOPLES REPUTATIONS. I HAVE AN ACCOUNT ON MY CREDIT REPORT THAT IS HURTING MY REPUTATION AND IS NOT LEGALLY ALOUD TO BE ON THERE. I SENT EXPERIAN A LETTER SAYING I WOULD LIKE IT TO BE VERIFIED AS I HAVE NEVER SIGNED ONE SINGLE DOCUMENT WITH THIS COMPANY ( XXXX  XXXX  ). I HAVE SENT XXXX   XXXX SEVERAL LETTERS FIRST ASKING FOR THE ACCOUNT TO BE VERIFIED WITH MY SIGNATURE AND HAVE NOT RECIEVED ONE LETTER BACK. SO I TOOK THE MATTER TO EXPERIAN AS THEY ARE ALLOWING FRAUDULENT REPORTING. I HAVE SENT EVERTHING CERTIFIED MAIL AND HAVE MADE COPIES OF EVERYTHING. THEY SEND ME A LEETER BACK SAYING THEY UPDATED IT. UPDATED? STILL GIVING ME NO PROOF. HOW DID THEY VERIFY AN ILLEGAL ACCOUNT? I THEN SENT ANOTHER LETTER WHICH THEY RECIEVED CERTIFIED MAIL ON XX/XX/XXXX STATING I WANT TO SEE PROOF! LEGAL PROOF! AS IS MY RIGHT UNDER THE FAIR REPORTING ACT. TODAY IS XX/XX/XXXX AND THEY ALREADY SENT ME A LETTER BACK SAYING ITS VERIFIED. HOW? IN LESS THEN 10 DAYS DID THEY VERIFY IT. AGAIN THEY GAVE ME NO PROOF. I HAVE LEGALLY ASKED THIS COMPANY AND EXPERIAN TO SHOW ME PROOF WITH MY SIGNATURE AND THEY CANT! IT IS ILLEGAL AND NOT RIGHT.EXPERIAN IS NOT REPORTING CORRECTLY AND NOT HOLDING UP THERE LEGAL OBLIGATION.
Consumer complaint received 2019-06-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Trident Asset Management, L.L.C. (PA)

I am simply just trying to get something in writing that states the settlement amount they offered me. I would like something in writing so I have proof that is the amount agreed upon.i a, worried that I would pay the settlement amount in full and then they try to charge me the remainder of the balance. The representative I spoke to said they do not send out or email settlement letters and are this time the company does not even have settlement letters. I kindly asked if there was any way I could get the amount in writing, even a simple email, and was told no. 
The amount owed is XXXX The settlement offer is XXXX I called on XXXX XXXX and was given my account number and was offered the settlement and asked about payment plan. 
I called on called on XX/XX/XXXX and requested settlement in writing.
Consumer complaint received 2022-12-14
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. (MS)

Credit report shows on my XXXX XXXX I owe XXXX  and a XXXX XXXX of XXXX incorrect information! I owe XXXX and my XXXX XXXX is XXXX! I have not owed XXXX on this XXXX. XXXX XXXX Credit Card shows I owe XXXX I paid my XXXX XXXX Card off on XX/XX/2022 I owe XXXX. This is false reporting on my XXXX XXXX by XXXX, XXXX and XXXX!
Consumer complaint received 2018-01-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Phoenix Financial Services LLC (MS)

I first found the collection company reporting on my XXXX credit report. I disputed it with XXXX on XXXX XXXX, XXXX. After they did not resolve the issue, I contacted Phoenix Financial Services on XXXX XXXX, XXXX and asked them to validate the debt they claim that I owe. I have been having trouble with insurance companies double billing me for services in part because I had two health insurance companies that had to coordinate. I have not received validation of this debt but it is still reporting on my XXXX  Report. I am requesting that Phoenix be removed from my XXXX  credit report.
Consumer complaint received 2018-06-18
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC (NM)

I have received this bill from XXXX XXXX XXXX XXXX ON XX/XX/18. I have no idea who they are collecting for as I have not received a bill. I am XXXX years old and my mom usually handles things like this. I called them and she only told me that It was for an emergency room visit in XXXX. i told her that I had not received any bills or my mom would have told me.I then notified her that I was in an accident and did visit two emergency rooms I believe. However, I had insurance and I was fully covered. I then provided her with my XXXX XXXX XXXX Information from my card which stated that the Coverage began XX/XX/2018. She took the insurance information and then asked how would I like to make the payment. I said why would I male a payment when I was covered? That is what insurance is for I said. She then said well, you could pay the balance and then let your insurance reimburse you. I told her, why don't you pay it and let the insurance reimburse you? She then said that we will not be contacting you again about the debt. I told her I did not say not to contact me. I want to make sure that it is taken care of. I asked her was she going to contact the insurance company. She said yes. I asked her would I receive some kind of confirmation that this had been resolved. She could not assure me that I would. I then told her that I have already mailed a certified letter to the address on the letter. I have submitted the bill to XXXX XXXX XXXX. I also told her that I would be submitting a complaint with the CFPB.
Consumer complaint received 2017-05-27
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ERC (FL)

This is bill os for  XXXX , I had there service for 1 day, I went back the next day and turned in all phones. I cancelled within my 30 days., this account has been deleted from my credit file numerous times, they keep harassing me buy getting other collection agencies to pursue collect money that is not owed, this is against the law. i need them to send me a letter of deletion of all credit reporting agency and to stop bothering me, or i will take legal action.  XXXX  removed from credit file company name : Sources   XXXX   removed  XXXX   XXXX   XXXX  removed  XXXX   XXXX ,   XXXX     XXXX   versified  XXXX   XXXX ,   XXXX   Thank you in advanced
Consumer complaint received 2022-01-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

Hello XXXX XXXX is on my credit report with Transunion still but I have paid them! They agreed to have it removed from my credit reports but it's still there. It's been removed from my XXXX but not Transunion. Transunion needs to have it removed asap
Consumer complaint received 2021-06-11
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: JPMORGAN CHASE & CO. (NY)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.