davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC (MN)

This is company is trying to collect money that i never owned i sent them a letter few times asking validation never responded also spoke their customer services and still asking to give me a validation letter and i never got any answer from them. XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Amount {$650.00} Account number XXXX WAYPOINT RESOURCE GR Original creditor : XXXX XXXX XXXX
Consumer complaint received 2022-10-11
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. (NY)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-10-11
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

There are collections accounts and personal information on my credit report that are reporting inaccurately and need to be investigated. I have reached out to XXXX and TransUnion on multiple occasions through the mail and by phone, requesting them to investigate the accuracy of the accounts, and they have not responded or resolved the matter. To be exact, I've sent eight letters in the past 12 months asking for a verification of these accounts. I have not received a response email or letter from this credit bureau informing me that an investigation has occurred or a resolution. Please help me resolve this matter. I am exhausted by this company and highly disappointed in how they are ignoring me.
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (MD)

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 2022-03-21
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. (MD)

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 2020-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (CA)

After noticing a derogatory item on my Credit Report on all Credit Reporting Agencies by Santander Consumer USA, I contacted them via USPS certified mail and requested all documentation including details on their claims and application bearing my signature.

They have neither responded to my request or notified any of the Credit Reporting Agencies of my request and dispute as per FCRA requirement. 
I then disputed this item with XXXX and they were just notified as information accurate and no other information provided.
Consumer complaint received 2021-11-05
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. (CA)

The day of XX/XX/XXXX of this year 2021, the XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX CA XXXX run my credit report without my authorize and I got a notified inquire on my credit report TransUnion. I already contacted TransUnion report and let them know of the inquired, they give me a file number XXXX.
Consumer complaint received 2020-02-12
Product: Debt collection — Federal student loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Navient Solutions, LLC. (VA)

I have a Federal student loan with Navient dba XXXX, and I have been paying them. There was a time that I fell behind, however, XXXX began to accept my monthly payments again. On XX/XX/2020 I began to receive phone calls and voice messages from someone named XXXX XXXX ( the spelling may not be accurate ) who claims that she represents Pioneer Recovery Services and she is looking to discuss a debt owed.

First, I am making monthly payments to the loan servicer and I do not feel comfortable with paying an entity that I have never received any written or electronic communication from while I am currently paying the monthly fee to XXXX. 
Secondly, I explained this the representative from Pioneer Recovery and she ( this company ) have continued to harass me and those that I know and/or are familiar with. I advised this representative to contact Navient and/or XXXX, as they are accepting my monthly payments. I asked that she, and her company, no longer contact me or anyone that is associated with me. I also requested that she and her company refrain from calling my employer as debt collection calls are not allowed and are grounds for termination. These requests have not been honored ; Ms. XXXX has continued to contact my employer and they have also continued to leave voice messages. My employer has requested that she, and her company, no longer contact them as debt collection calls are not allowed at all for any employee. Unfortunately, the phone calls and voice messages from Ms. XXXX and Pioneer have persisted. 
Ms. XXXX and her company have ignored the adamant requests made, not only by my employer, but by my personal acquaintances which they have located via social media and reached out to via phone. This representative and company have asked that my employer provide them with personal information and details regarding me -- -this is illegal on several fronts. It is also illegal to inform an employer about an employees ' personal economic issues. 
I am filing this complaint to alert your organization about the tactics of XXXX XXXX, a representative of Pioneer Recovery, and Pioneer Recovery as a whole, and how my personal data and information have been compromised and shared with others who were not entitled to this information. 
Please let me know what additional details may be needed in order to cease the harassing phone calls and voice messages that I continue to receive. I would also like to know how best to proceed with filing an official complaint against XXXX XXXX and Pioneer Recovery as they have shared personal, confidential, and sensitive information about me and to third parties that were not privy to this information. Thank you.
Consumer complaint received 2020-02-12
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Patenaude & Felix A Professional Corporation (NM)

I wrote them a certified letter to stop contacting me via phone that they received on XX/XX/2018. I also sent a validation letter about they debt which they didnt provide me. They continue to call me.
Consumer complaint received 2019-06-16
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. (PA)

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

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 In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. 

These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Consumer complaint received 2020-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance One, Inc. (CA)

" A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. " 15 U.S. Code 1692f. 

On XX/XX/XXXX, Alliance One Receivables Management Inc., acting on behalf of the City of XXXX XXXX mailed plaintiff a letter that was supposedly attempting to collect the disputed debt of {$800.00}. The debt is hereby under dispute pursuant to 15 U.S. Code 1692 ( g ) ( b ) of the Fair Debt Collection Practices Act. 

The criminal offenses alleged that forms the basis of AORM 's underlying debt collection claims are not valid under the Constitution. For instance, plaintiff had not received the Miranda warnings before being interrogated by the police for suspicion of the misdemeanor offense of " sleeping in a park '' while in custody then issued a written citation. The plaintiff 's coerced confession along with the documentary evidence that supports these accusations were obtained against his rights under the Fourth Amendment. Furthermore, any purported non-judicial forfeiture of plaintiff 's driving privileges in connection with this unrelated non-motor vehicle offense is a cruel and unusual punishment including a " grossly disproportionate fine barred under the Eighth Amendment.

AORM 's debt collection practices simply are unconscionable because they are seeking to collect debts that constitutionally are not valid under 42 U.S.C. 1983, 4th, 5th, 8th, and 14th Amendments.

/s/ XXXX XXXX
Consumer complaint received 2020-02-12
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. (GA)

XXXX  is inaccurately reporting that I was 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX for XXXX XXXX. 

Experian is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX. 

XXXX  is inaccurately reporting that I was 30, 60 and 90 days late in XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX, XX/XX/XXXX XXXX XXXX.
Consumer complaint received 2020-02-12
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc. (TN)

My apartment complex mistakenly reported that I owed {$180.00}. The apartment complex, XXXX XXXX XXXX, has provided me with a letter to that effect and says they have sent that letter to National Credit Systems back in XX/XX/2018. 

The collection agency never removed my account. 

This week, the apartment complex has tried more than once to email that letter again to the collection agency. The emails bounced back. 

Each agent I speak with from the collection agency is giving me different and contradictory information about the status of my account. 

Most recently, the collection agency informed me that the inquiry into this had been closed because the apartment complex refused to communicate with them. 

At this point, both of the apartment complex and I are trying to get information resolving this debt to the collection agency, but they don't seem to want to accept it, and aren't giving us a means of getting that information to them.
Consumer complaint received 2020-02-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (PA)

As of XX/XX/XXXX each time XX/XX/XXXX XX/XX/XXXX I have asked for validation of debt with original signatures and Original dates when account first open and they refuse to send it. I keep getting back debt verify with a statement. It was taking off my credit report back in XXXX by Lvnv funding LLC then it comes back as finger hut, then that is taking off then come back again as Lvnv funding LLC. Its like theyre going back and forth between companies reporting and not sending the information that is needed. The amount is XXXX as of XXXX it was just added back to my credit reports.
Consumer complaint received 2020-02-13
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: National Finance Company, Inc. (NC)

Please submit under the penalty of perjury on and for the record. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 
1.The name of the original creditor ; and 2. The address and phone number of the original creditor ; and 3. The name of the person who verified the dispute with the original creditor ; and 4. The cusip information for the application ; and 5. The True Books including : balance sheet, FAS 95, Thrift Finance Report ( TFR ), FR 2046 Balance Sheet, 1099-OID, S-3/A registration statement, 424-b5 prospectus, RC-S and RC-B call schedules. 
6. Please furnish a copy of the original contract showing my social security number to prevent identity theft and state under penalty of perjury that your client is the party in interest of the contract and will produce the original for my own and a judge 's inspection should there be, trial to contest these matters ; and 7. Please produce account and the ledger Statement showing the full accounting of the alleged obligation you are now attempting to collect. 
8. Please furnish the license of the person collecting on the debt.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC (DC)

XXXX I flied a complaint with your bureau for assistance against a collection agency ( National Recovery ) in whom is reporting a inaccurate debt of {$780.00} on my XXXX  , XXXX & XXXX  credit report in which they claim I owe directly to them on behalf of XXXX . 

XXXX After showing proof to your bureau that I settled this debt with XXXX directly ( please see attachment ). National Recovery responded to your bureau with the following statement : NRA Group LLC, has received this complaint. We mailed a notice to the consumer on XX/XX/XXXX and it came back as mail return. It is the same address the consumer provided on this complaint. Without a correct address we can not send anything- the consumer could have provided us with a updated address and billing would have been mailed. As of XX/XX/XXXX the account has been marked as paid - the client reported a payment to us and the account is closed. The credit bureaus will be updated as such. Once they are updated it could take them 30-90 days to fix the consumers credit. If they wish to expedite this process they will need to contact them.
Consumer complaint received 2019-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (NV)

On XX/XX/2019 I notified American Express Serve customer service that I had received text message alerts totaling {$910.00} was made using the card at a XXXX XXXX /XXXX XXXX with out my permission. I was told their was noting they could do, in my card holders agreement it states the card is protected from fraud. I have never made a claim because my card is normally secure. somehow my card was compromised and I was charged via an online portal. I contacted the merchant and no one responds. the merchant information is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX International phone number : XXXX XXXX I had the card blocked because the rep said I could not close the card to protect the remaining fund and direct deposit on the card. I notified the FTC and local police, the police department said if it did not happen in their jurisdiction there was nothing they could do because I did not have the proper information for the merchant because they are not located in the US. I did contact the FTC to and file a claim which is XXXX
Consumer complaint received 2020-02-13
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 (OR)

I've overpaid my credit card by {$1400.00}. Since early XXXX, I have attempted to have my balance returned to me. They first said a check would be sent. After 15 business days, I called and they offered to electronically send it. I waited 5 business days, it didn't come. I called them multiple times in an attempt to collect my money and was told multiple times it would be transfered. Finally, an " account supervisor '' said the payments needed to be verified over the phone with my personal bank. We did that in a phone call that took about an hour. I was again assured that the money would be transferred to my bank in 5 business days. It was not. I called again and they told me their " back office '', had decided to cut a check and that I would receive it in 10 business days. I have no reason to believe them considering they have told me many things before and nothing has ever come true. I have no idea what to do at this point. This is {$1400.00} that is rightfully mine and I need it back. I sure do hope this helps.
Consumer complaint received 2020-02-13
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION (TX)

Purchased a new XXXX in XX/XX/2019. Financed through Toyota Financial. Told and shown that I can may additional payments towards  principal of the loan without penalty. This is accurate however, you can not use online bill pay or the website provided by Toyota to  make additional principal payments. Any additional payment is automatically applied towards your next payment. There is information that says if you want to make an additional payment towards principal you need to mail in a check! Who uses checks anymore? Or you can call them. So I called them and told them that I want every additional amount to be applied towards the principal. Can't do that. You have to call in every single month if you want it applied or mail a check. How in this day of computers can't you not take an additional principal payment? Sure they will take the extra payment but you have to jump through hoops to make it happen. How can this be legal? It is like they don't want people to pay their loans off early. How is this not predatory?
Consumer complaint received 2022-10-11
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (TX)

I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.
Consumer complaint received 2022-10-11
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: Experian Information Solutions Inc. (NY)

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-03-21
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: Experian Information Solutions Inc. (TX)

On XX/XX/2022 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 2021-04-14
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: JPMORGAN CHASE & CO. (NC)

On XX/XX/XXXX we obtained a consolidation loan in the amount of {$21000.00} from XXXX XXXX XXXX. The loan was sold on the same day to XXXX XXXX XXXX, XXXX. However, we continued to make regular monthly payments to XXXX XXXX XXXX. On XX/XX/XXXX our loan was again sold to Providian National Bank and we allegedly obtained a {$10000.00} cash advance that made the balance balloon from {$21000.00} to {$33000.00} due to fees and interests. In XXXX the loan was possibly sold to XXXX XXXX  loan # XXXX in the amount of {$34000.00}. We have made payments to XXXX XXXX for at least 10  years ( XXXX ). We are in the process of selling our property located at XXXX XXXX XXXX, XXXX, North Carolina XXXX We are being told by the buyer/closing attorney that our property has two liens held by XXXX XXXX XXXX and Providian National Bank due to the improper or inadequate process of transferring of the loans. Please help us find the lien releases and/or letters of satisfaction on these above-mentioned loans.