davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-02
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (OH)

To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. 
FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police XXXX need this collection account to be removed from my credit report.XXXX XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

A customer service agent from the original creditor Capitol One reached out to me by email and phone on Tuesday around XXXX. At first when I was talking to her, I was very hesitant about giving her my info without her verifying what info she actually had on this account. Mind you this conversation was recorded. When I finally asked the lady if I give her my social security or the last four will she verify that it is my social security and if not take this off my credit report. She did not agree to removing it off my credit report which I did not understand but I do know that it is fraud to not remove an account that can be proven not to be mines off of my account. However, I gave her the number and she did research and said no that is NOT the social security number that we have on file. would that not be enough to remove that from my credit file? She asked me to send my documents in to here ; however, I do not feel comfortable sending my documents to a company I am not affiliated with. I have decided that I will stand my ground. The case number I was supplied on this case is XXXX. If this was under my social security number I would have filed a fraud dispute ; however, since they have confirmed to me that it is not my social after all these years I beg you to quit letting them falsely keep this on my account and dampen my good credit history by coming after the wrong person. PLEASE.
Consumer complaint received 2019-05-02
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. (TX)

XXXX and Transunion are reporting incorrectly that I am 30 days past due on XXXX partial account number XXXX. ( Please see pages 45 and 46 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Consumer complaint received 2019-05-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A. (MN)

I signed up for Citi Bank 's XXXX XXXX XXXX   back in XXXX of XXXX. I was told over the phone that if I never submit a claim, I could receive a refund when I cancel my enrollment. I canceled my enrollment in XXXX of XXXX. I had paid in a total of {$1200.00} to the program and never submitted a claim. I requested a refund 4 times and rejected 4 times. The last person I talked with was part of the Executive Response Unit. She told me I was not entitled to a refund because there's nothing in the terms & conditions that state the fees are refundable. I asked her if there was anything stating that the fees were non-refundable. She told me no. She still wouldn't grant me a refund. 

Attached is the last rejection letter the company sent stating their reasoning for refusal of refund.
Consumer complaint received 2023-04-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MT)

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX {$4400.00}
Consumer complaint received 2019-05-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A. (IL)

I started the process of a short sale with PNC bank to avoid foreclosure. Being the co-borrower is deceased, I no longer can afford the mortgage. I started the process in XX/XX/2019 and submitted all required documents. As of the XX/XX/2019 the bank informed me and my attorney that they had the file and were missing a few documents which we submitted. 

After five business days of reviewing my file my attorney was informed by the bank that I had exhausted all my loss mitigation options. This makes no sense. We are trying to short sale the property to avoid a foreclosure and help save property values in the neighborhood. PNC is forcing me into foreclosure. 
I owe about $ 46k and we have a market value offer for $ XXXX which the bank is reviewing. 

Please help me.
Consumer complaint received 2024-03-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC. (NY)

This is so annoying & frustrating. Ive sent EQUIFAX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifaxs responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned or not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

XX/XX/2019 I paid my capital one power buy card in full. The bill said XXXX, I paid on their web-site. Their web page under my account total balance said the same thing. while paying my bill you need to hit a button 1 paying last statement balance. 2, current balance. 3 min. payment.. I hit current balance. 

XX/XX/2019 I received a bill from capital one saying I owe XXXX. There was no charged so I called. Spoke to a man who then transferred me to his supervisor. The supervisor told me it was interest. even through I paid my card off. She then told me that I have interest occurring now. So the paper bill I received today wouldn't pay off my bill. yes, that is what she said, I made quite the fuss so I was recorded. The bill I got today says New balance XXXX min. payment XXXX. She told me I already owe XXXX cents more than what the bill says. I will always have interest occurring. I can never pay off my. I m just paying them interest. for nothing. 

I asked to speak to someone above her and she informed me she is the top one in the company to speak with. I asked if she had a boss which she replied yes but they don't deal with this. they have meeting to go to. Who knows what I '' ll owe tomorrow
Consumer complaint received 2019-10-01
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. (IL)

I've have reached out to Equifax at 8 times to rectify an error reporting g in my credit report ... 
My last attempt was yesterday XX/XX/19 The credit bureau block me from disputing online and over the phone
Consumer complaint received 2019-05-02
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (TX)

Equifax is offering online services and online disputes and charging a monthly fee for credit monitoring etc. I have tried forever to submit and online dispute and getting errors about my information not being valid. I feared that there was fraud on my Equifax credit report so I signed up for their service and paid money. Now I find out after doing so that their online dispute system is down and has been down for a YEAR! If its down and not working why do they still have the link up and no statement on their website that its down and not working. This is quite shady of them and seems like a scam to strike fear into people only for them to find out that this MAJOR ORGANIZATION CAN'T SOLVE A SIMPLE WEB SITE ISSUE IN OVER A YEAR! 

I also have been unable to request my credit report online with them, until I signed up with their service and paid them, they wanted me to mail in a form containing my very sensitive information which I'm not comfortable doing. 

My credit report is supposed to be free and I couldn't get it free from them. It was odd that when I signed up for their service and paid them they were certainly able to pull the information and send it to me with no problems.
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Simon's Agency, Inc. (WA)

I am so upset right now! Several months ago, this debt collector, XXXX XXXX , XXXX started reporting an account on all of my credit reports. I sent a request for validation to them on XX/XX/2019, and waited 60 days. They were supposed to respond within 30 days according to the FDCPA, but they did not. I then sent another letter on XX/XX/2019, over 40 days ago, and they still have refused to send me validation. I called the company about a week ago and asked them to tell me about this account. They said it belongs to someone named " XXXX XXXX ''. That is NOT me. I told them this, but they are still reporting it on my reports. My name is XXXX XXXX, not XXXX, and my name has NEVER been XXXX. This debt does not belong to me and should not be on my credit reports. Not only that, but now they've violated the FDCPA twice by NOT sending me validation after I requested. It has now been over 100 days since I mailed them my first validation request, and I still have not received anything. I sent both letters via certified mail, so I was able to see that they received both letters. I demand for them to remove this account off of my credit reports immediately!
Consumer complaint received 2019-05-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

XXXX mixed my file with someone else. I do not know if it was id theft or someone elses actual credit file. But the skinny is that Portfolio Recovery Associates ( PRA ) did not have any of my information until XXXX provided my social, address and name to PRA. 

I did an experiment. I called PRA and they said I have a collection from XXXX for me. I have 2 XXXX accts right now. I told them to hold while I get XXXX on the line to see if they have any OLD collections from me. PRA first said yes they would stay on line and when I called XXXX on conference call PRA refused to stay on and we were on recorded call ... they didn't want to hear the truth. 

PRA disconnected, and I stayed on with XXXX and asked if they would be able to see ANY old collections. Rep. said she would be able to see any OLD collections ... I asked if she sees ANY old accounts for me on file ... she said NO. So now I have proof that PRA switched info in it's records to come after me for no reason. 

PRA has reported 8 unwarranted collections on XXXX, XXXX and XXXX. 

Just wanted to share.
Consumer complaint received 2019-05-02
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. (TX)

XXXX XXXX XXXX XXXX XXXX is a fraudulent business with no identifiable contact information and/or address. I sent a letter to them disputing the validity of an account which was returned to me indicating the address was vacant. I then disputed the validity of this debt with Transunion and demanded that I be provided with original documentation indicating ownership of this debt. Transunion closed the dispute indicating the information was accurate, however, I was never provided with the necessary documentation such as master promissory note or original loan documents. I have yet to be provided with anything, however, Transunion closed the dispute anyway, thus this needs to be removed from my credit report immediately.
Consumer complaint received 2019-10-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd. (VA)

Debt is not my. Credit collector is refusing to process dispute to validate debt. 

I never drove a car or own a car in the state of Maryland. 

The collector is refusing to validate the debt and file a dispute. 

There is No evidence that this debt belongs to me I dont know how this debt becomes available in my name. I didn't give permission for my name to be associated with any car. 

Therefore this debt looks like identity theft or fraud and I'm seeking fully valid of identity regarding this matter of law. 

This debt collector has contracted me before XXXX XXXX and after XXXX XXXX and are refusing to file a debt with the creditor. 

Harris and Harris are pursuing me for debt that I dont own that may be connected to identity theft or fraud and hasn't valid the identity. 

I'm being mislead by Harris and Harris that this debt is mine. 

I'm requesting a debt validation regarding deceptive behavior under the fair debt collection practices act regarding my identity.
Consumer complaint received 2019-10-01
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: College Foundation, Inc. (VT)

I originated a personal loan ( XXXX XXXX XXXX XXXX ) with College Foundation , Inc. back in the mid XXXX 's ( XXXX? ) and needed a cosigner because I was un school and in my early twenties. The account has been in good standing and I have made payments on time throughout the life of the loan. 

Two months ago the company changed their policy and began sending my cosigner a statement that looks identical to my statement and asks for the recipient to detach the payment sub and submit a payment. It is addressed to my cosigner and does not explain anywhere that it is simply a statement and not a bill. The ONLY difference in the statement is that hey cosigner 's has printed above the amount required for payoff " SURETY ''. 

I have complained to the company asking that they change their cosigner statement to clearly identify that it is NOT A BILL so that recipients are not upset or concerned that the primary loan recipient has not made their payment or that they now owe money as well. I was told by both customer service representatives that they will not change their statements and only informed that they would pass along my complaint to the billing department. When I asked if they understood why this was an issue that needed to be fixed they said they did not see it as a problem. This is unacceptable. 

Outside of paying off the account in full or refinancing without the cosigner the situation will persist. This company needs to be held accountable and asked to make a simple change in their statements to avoid hassles for their loan holders and possible duplicate payments received by them in error.
Consumer complaint received 2019-02-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (TX)

I am an authorized user on a XXXX XXXX/Wells Fargo account. I disputed inaccurate reporting on an over 30 day delinquency that was reported in XX/XX/XXXX. As a result, the update that was sent to XXXX   was a Charge-off of XXXX in XX/XX/XXXX. First, I was not contacted that the account was past due or that I was responsible for the payments. Second, the obligor filed bankruptcy in XX/XX/XXXX. In XXXX, the obligor attempted to log in to Wells Fargo 's portal to get the amount due but was locked out due to the bankruptcy filing. When the obligor contacted wells fargo, was advised that they could not speak with him. Per page 6-19 of the XXXX Credit Reporting Resource Guide, Authorized Users on  accounts included in a bankruptcy petition should either be terminated or deleted from the account because they are not contractually liable for payments. The inaccurate reporting is a violation of the FCRA. I have attempted to contact Wells Fargo, but was advised that they can not talk with me. If this item is not removed to from my credit, I will consult my attorney to take further action regarding inaccurate reporting. I never applied for credit with XXXX/Wells Fargo therefor I am not liable for the payments. My credit score has dropped 60 points due to the charge-off.
Consumer complaint received 2019-10-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX DOB XXXX SS XXXX I have a ton of addresses that are not mine and are not correct. 
XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX , XXXX, IN XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX XXXX XXXX XXXX, XXXX, IN XXXX
Consumer complaint received 2019-05-02
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RMS-Recovery Management Services, Inc. (FL)

In XX/XX/XXXX, I was contacted by Recovery Management Service on a debt they said originated from XXXX University Online which I had previously attended starting in XXXX to pursue a XXXX XXXX degree. All of my payments were from Student loans and this handled through FAFSA.When I withdrew from XXXX in XXXX or so due to personal commitments they had done some creative accounting by charging for classes I had not taken, then sending back all of my student loans and grants from the current and previous Semester. This in short showed I had a debt to the school for {$9900.00}. This had happened once before with them when I dropped out in XXXX they sent my federal funds back and claimed then a balance of {$10000.00}, Some months later when I was contacted by the school I agreed to re-enroll after they corrected the accounting error in which XXXX admitted they made a mistake and re submitted for federal student funds and I had a small balance of {$630.00} for a dropped class. This time I did not re enroll as I found the communication and service very lacking and decided to look elsewhere, when I did the same thing happened and now RMS is saying I owe this debt. But in XXXX XXXX and its parent company were closed down to misuse of Student Loans, they essentially sent back students funding but instead kept the money for personal expenses. I have tried to no avail to sort this out with RMS but it is difficult now that XXXX has been shut down essentially because the Federal Government would not send anymore student aid to them and they filed for Bankruptcy closing all campuses. I have contacted them but have left several messages to no avail.