davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-25
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (AZ)

XXXX XXXX an ambulance in XXXX Arizona has submitted a bill after 3 years. A medical bill I never took an ambulance, the statute has expired for any responsibility. Basically, the company is picking addresses and sending bills after 3 years, get a clue. This bill is not mine. Aggressive collection action has ensued.
Consumer complaint received 2019-10-07
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. (MA)

I noticed on my Experian credit report that I had a collection account from XXXX. I cancelled a XXXX phone account back in XXXX. And it was all paid. I contacted XXXX and they said they recently retrieved my SS number and I needed to pay up or more collections would be added my account. Experian told me I was out of luck and XXXX certified that I did owe ... I DO NOT OWE XXXX, I paid them in XXXX ... Experian told me I could pay them or wait 6 years for it to be removed. I asked Experian for proof and they told me to contact XXXX, I contacted XXXX and they told me they dont provide proof and they needed {$770.00} now.
Consumer complaint received 2018-06-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am trying to get 2 missed payments off my report because it is hurting my credit very much. I have been paying everything on time I do XXXX  work and unfortunately didnt get paid for 2 jobs I've done and this was a big problem. Please if possible to help me in this matter I would be very thankful
Consumer complaint received 2023-08-14
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. (FL)

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (KS)

Navient will not take the time to research my loan history. XXXX XXXX for Navient says " you have satisfied 25 months of your repayment terms, meaning we received 25 satisfactory payments towards the loan while in a Repayment status. '' This information is inaccurate. I have never been in default and I have made more than 25 payments on this loan, I've been paying on it for over 10 years. How can she say only 25 payments when for 3 years my Chapter XXXX paid {$500.00} a month for 3 years which equates to 36 months. After my BK was discharged, I took the payments over in XXXX or XXXX of XXXX, that in itself is almost 30 payments. Those two scenarios equals 55 payments so how can she say only 25 payments have applied to my loan. I don't understand how Navient is applying payments other than ripping people off so loans never get paid. I could understand if I was behind or not making payments but I have been paying on my loan and am not getting the credit and the respect for being responsible. Help me understand how they only show 25 payments when payments have been made since XXXX? If this was to be a 20 year loan, 10 years have passed, why is Navient asking me to make 17 more years of payments. What happened with the payments from XXXX to XXXX? I have documentation from my Trustee showing over {$7000.00} paid on my loan, why isn't this showing up in my payment history? I have documentation showing {$15000.00} was paid to XXXX for my student loan. Why hasn't this been communicated to Navient and what is the relationship of XXXX to Navient?
Consumer complaint received 2023-08-14
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. (CA)

This was my 2nd CFPB complaint and a follow up to notify the XXXX, Equifax and XXXX that below is a list of inquiries that are not associated with me and were opened without my permission. And from today counting 15 days that I am so much expecting a deletion result update to happen in my credit reports : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-05-24
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX is reporting on a that debt I do not owe. This debt is really old and past statute in TX. I do not owe this debt and it needs to be removed off of my credit file.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MN)

I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.
Consumer complaint received 2018-06-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (NC)

On XX/XX/XXXX, I notified XXXX, XXXX and XXXX of several invalid and invalidated debts they are reporting on my credit reports for SCA Collections , Inc. Said items are reporting as medical debts and according to HIPPA Law by way of them having access to and posting my information for others to access, they are violating my medical rights. I never granted them that permission to share my information. I notified the credit bureau 's by law they had 30 days to respond in written form validating the debts including a detailed statement of procedures, the original bill and my signature or the debts had to be removed from my reports immediately. I received responses from each of the credit bureaus within the time allotted, but neither included any debt validation. They simply notified me that they would be contacting the credit agency to investigate the matter and that my dispute was pending.

On today, XX/XX/XXXX, also within the 30 day mark, I received a bill from SCA Collections , Inc. stating I owe {$940.00} for the account # XXXX. Not only did they not validate the debts they are publishing on my credit reports, but according to my report and the balance they are reporting as being owed, the numbers are way off. This strikes me as them being deceptive.

SCA Collections, Inc. publishing fictitious information on my credit reports have had continued adverse affects and are inhibiting my ability to establish credit worthiness.

The following accounts have been left invalidated and by law must be removed : XXXX XXXX XXXX XXXX Your attention to this matter is greatly appreciated!
Consumer complaint received 2017-05-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC (SC)

Early Warning Services LLC   XXXX   XXXX   XXXX  ACCT #  XXXX  Incident Date: XXXX /2013 Contributing Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner.   The actions of Early Warning Services , LLC are being reported negatively and prevents the opening of bank accounts and loans ; even though the agency has not been able to provide proof of documentation of the alledged incident.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2019-05-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IN)

I CALLED NAVIENT IN XXXX TO ASK ABOUT THE PUBLIC STUDENT LOAN FORGIVENESS PROGRAM. I WAS INFORMED THAT MY STUDENT LOANS QUALIFIED FOR PUBLIC SERVICE LOAN FORGIVENESS. I HAVE FFEL LOANS. I PAID MY LOAN PAYMENTS RELIGIOUSLY. I HAVE PAID MY LOANS FOR 18 YEARS. I APPLIED FOR PUBLIC STUDENT LOAN FORGIVENESS IN XXXX. I RECEIVED A LETTER INFORMING THAT I DO NOT HAVE DIRECT  LOANS AND SO DO NOT QUALIFY. I CALLED NAVIENT AFTER I RECEIVED THE LETTER AND THEIR RESPONSE WAS " OH WELL ''. AFTER I FILED A COMPLAINT, THEY RESPONDED BY SAYING THEY HAVE A RECORD OF MY CALL IN XXXX  BUT NOT THE CALL IN XXXX. SO AGAIN, " OH WELL ''. I DO NOT KNOW IF THAT CALL ON XXXX MAKES A DIFFERENCE OR NOT OTHER THAN TO PROVE TO " SOMEONE '' THAT THIS IS A TRUE ACCOUNT OF EVENTS, HOWEVER, I AM SEEKING ASSISTANCE WITH THIS SITUATION. I UNDERSTAND THAT SEVERAL STATES ARE INVOLVED IN A LAWSUIT WITH NAVIENT FOR EXACTLY THIS SAME TYPE OF SITUATION. UNFORTUNATELY MY STATE IS NOT INCLUDED. IS THERE ANY REPRIEVE FOR SOMEONE LIKE ME WHO DOES NOT HAVE ANY REPRESENTATION? I AM ASKING FOR SOME ASSISTANCE PLEASE. THANK YOU FOR LISTENING. PLEASE HELP!
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Linebarger Goggan Blair & Sampson LLP (NC)

Linebarger Goggan Blair & Sampson continue to contact me regarding a debt that is not mine. I have previously submitted a complaint against this organization. Please refer to CFPB Case number : XXXX. On XXXX XXXX, 2015 they replied to this earlier complaint acknowledging that I am not the person they are looking for, and, saying they sent the debt collection to the wrong address. They continue to harass me seeking payment me for this debt that is not mine.
Consumer complaint received 2019-05-24
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: JPMORGAN CHASE & CO. (TN)

Since XX/XX/XXXX Chase has been running " a credit application '' for various " amazon credit accounts '' that I'VE NEVER APPLIED FOR! I've filed various complaints and asked that they STOP! The previous complaint that I filed through you resulted in them " masking ' the inquiry but apparently not in them stopping the activity since on XX/XX/XXXX it was done again according to the attached letter. I WANT THEM TO STOP! In addition to this request I WANT THEM TO PROVIDE ME WITH THE IP ADDRESS THAT THE APPLICATION WAS SENT FROM SO THAT I CAN TURN IT OVER TO THE FBI INTERNET CRIMES DIVISION so  the culprit can be prosecuted accordingly. I was told with the XX/XX/XXXX inquiry to ask for this information in writing so in addition to telling them to STOP, I want the IP information sent to me in this response. I want them to remove the fraudulent activity of course.
Consumer complaint received 2019-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (PA)

This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. 

Account : XXXX, in the amount of {$610.00}
Consumer complaint received 2018-10-15
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: PORTFOLIO RECOVERY ASSOCIATES INC (MI)

Portfolio Recovery Associates LLC under the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 { b } is disputed and validation requested. 

Account : XXXX Account : XXXX They have been contacted by certified mail on multiple occasions and they don't respond back with the information requested of them : * What the money they say I owe is for, *Explain and show me how they calculated what they said I owe, * Provide me with copies of any papers that show I agreed to pay what they say I owe : THEY CAN NOT -I DONT HAVE A LEGALLY SIGNED CONTRACT TO PAY PORTFOLIO RECOVERY ASSOCIATES A DIME!, * Provide a verification or copy of any judgment if applicable, * Identify the original creditor, *Prove the statute of limitations has not expired on this account, * show me that they are licensed to collect in the state of Michigan, * Provide me their license numbers and Registered Agent or Agent of Service. 

They don't send anything -- EVER They are reporting on my credit reports and I demand that my FCRA rights have been violated as they have no proof of legal signature that I have a contract with THEM. I don't owe them a dime.
Consumer complaint received 2023-04-10
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. (AR)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 2 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$32000.00} ; XXXX  - XXXXXXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$320.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$29000.00}.
Consumer complaint received 2019-05-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

Re a charge for service by the XXXX XXXX XXXX ( XXXX, a travel soccer club, charge on XX/XX/2018, {$1800.00} XXXX, it appears my credit card company ( Capital One ) can not elevate the dispute to VISA because they either need documentation : 1. From XXXX that a credit refund is acceptable to them or that the XXXX contract for services identifies the type of refund that is applicable ; or 2. Another similar service provider ( another soccer club ) issues a letter of support that a refund is in order given the circumstances. 

The fact of the matter is that neither is remotely likely. We have so far and directly stated this to Capital One in a length recorded conversation this morning ( XX/XX/XXXX ). 

XXXX would not provide an affirmative statement to the applicability of a refund and has so stated twice. XXXX 's refund policy is limited to two very limited circumstances that do not apply here. 

Moreover, another soccer travel club would not take the time to be briefed on our circumstances nor write a letter in support. That would incur a cost to that club without any benefit. We also have no relations to any other soccer club. 

This places our dispute in an impossible situation. We have detailed to both XXXX and Capital One a request for a refund given that XXXX   has lacked providing services it has committed. Our two letters ( One to XXXX that actually address a request for a refund and rebuttal to XXXX 's denials ) and one to Capital One ( that can not move forward due to purported beaurocratic hurdles cited above with VISA ) has not and seems not to be able to moved forward. 

We are asking the CFPB to do its best to resolve this issue. We believe that the facts lean in our favor and that XXXX 's rebuttals are weak ( only providing generalities and incorrect ones ). We also believe Capital One could do more. An aspect of the complaint also notes that Capital One did not notice us re decisions until late in the process, i.e., everyone else including XXXX knew of decision well before we did.
Consumer complaint received 2019-05-24
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CA)

Paypal XXXX XXXX should clear this up. Name on account was name of my email name paypal computer 's grabbed my email as my name On old dial up speed. In XX/XX/XXXX XXXX years no problem, until PayPal used my credit card, instead of funds available in excess of {$1000.00} to make purchase for antenna. 

XXXX XXXX fighting in this part, but PayPal has frozen my account, and the credit card in my name. Address they have On me includes my name, address, phone. 
Documents sent in could open a house, they requested. Instead of helping they use my money interest free for 6 months? 
XXXX hooked to this account with my name and email, exact address, phone. 

Never have disputed anything. 19 years using buying or selling on XXXX, that have me balance I was using just days before, until I noticed no funds and my checking account closed. 
XXXX XXXX card out on, then without my knowledge, they charged an antenna I purchased, received in good condition. Let ebay user know why bank involved. 

But over1k PayPal has suspended my account after telling at me On the phone for two hours, after 3 months of robots responding to emails. 

I am needing these funds to buy medical supplies as have XXXX XXXX XXXX
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CAPITAL ONE FINANCIAL CORPORATION (CA)

In 2016, I was a victim of identity theft were Capital One account was opened under my name. The only accounts I have that are accurate are two accounts showing under XXXX XXXX and XXXX XXXX. I called Capital One and they said they sold account to a collection agency. I contact the agency immediately and provided documentation showing the fraudulent account. After review, I was told that Capital One will be notified that the account is closed and there is XXXX balance due to the account being fraud. When trying to apply for my own account, I was denied due to the account. Im being calling for 3 month almost everyday trying to explain. They even called the agency on 3 way call and they explained that the account on there end was closed due to fraud. Capital one stated it didnt matter and that they investigated prior and the payments was coming from an account in my name. I advised them that is true because banks account were opened under my name with ( XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) I told them that I have documentation like police report to reinvestigate. I was told it was nothing they could do even though this Capital One error. The previous investigation was done over the phone and the rep told me I didnt need to provide any documentation. If I did they would contact me. I need this account removed under my name so that I can proceed with applying for chase. All accounts that Im on is in good standing expect this fraud account.
Consumer complaint received 2022-04-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Fig Tech Inc. (OH)

Back in XXXX of 2021, Fig loans dispersed a loan in the amout of {$400.00}. I get an email stating my account numbers for paying said loan were incorrect. I informed them at that time that I didnt take out the loan, and thats why the numbers were incorrect, and obviously it was fraud. After many many threatening emails from them, they are still refusing to remove this from my credit report, and saying I still owe them. I provided them with proof that I never took the loan out, but they refuse to remove this from my credit report.
Consumer complaint received 2019-10-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Diversified Consultants, Inc. (PA)

ON XX/XX/2017 I received an offer from XXXX XXXX at XXXXXXXX XXXX XXXX. The offer was clearly stated a monthly charge of {$25.00} for 24 months ( contact attached ). After hookup, I started receiving invoices from XXXX for {$40.00} a month contrary to the contract ( invoice attached ). I called XXXX on many occasions, but they refuse to change the charges. I paid what they were asking for the fear of damaging my credit. After about a year, I request for the service to be disconnected for not holing their end of the contract. They billed me for the balance of two years and later sent to collection. I wrote to the collection agencies explaining my case. XXXX refused to change their position. Now the collection has been reported to the credit reporting agencies and damaged what was a perfect credit score.
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (GA)

Tax Lien paid and satisfied from Ga Dept of Revenue. Has not been removed from Equifax. I am not on the delinquent taxpayer list and I have receipts showing lien has been paid in full. 
Reference number : XXXX {$1700.00}