davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ORG GC GP BUYER, LLC (CA)

So I moved my cell phone carrier from XXXX to XXXX in late XXXX of 2018. I called XXXX account representative asking to settle my final bill and any additional costs regarding my phone and contract, according to them at the XXXX XXXX at their corporate office, I owed nothing on my phone, ( paid off ). I made several last payments to them during XXXX.-XXXX. 2018 with a total of approximately {$160.00}. Approximately 2 months later after I had been told that my payments were all done I received a letter from a credit agency telling me I owe XXXX {$190.00} in a final bill. The lady at the credit agency told me today that this bill is for additional costs after I traded in my old phone and switched carriers. This credit agency has also been threatening my credit score. I am a single parent who is looking for a job. I can not and shouldnt have to pay an amount that I have an email verification from XXXX telling me I was free and clear.
Consumer complaint received 2019-04-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (NJ)

I was put into collections by XXXX in error. The collection company contacted me in regards to the {$100.00} debt. I explained that I currently have XXXX as a servicer, and current with my bill for years. How could I possibly be in collections, especially with a current account. I was told by the collection company to contact XXXX directly. This is where my situation turned from bad to worse. I have contacted XXXX on 3 separate occasions, and was transferred to the fraud department. Calls have been dropped, or I'm on hold for long periods of time, and the call is dropped. All I want is an explanation of this collections status placed on my credit about 4 months ago, and how to remove it from my credit report. A {$100.00} debt not mine is not a lot of money, but the fact that it was placed on my credit, which brought down my credit rating is wrong, and unjustified. This is affecting my financial situation. Please help me, with XXXX to remove this incorrect standing
Consumer complaint received 2019-04-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HCFS Healthcare Financial Services of TeamHealth (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX Opened XX/XX/XXXX - To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe 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 you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent
Consumer complaint received 2019-04-15
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. (FL)

Re-aging accounts on my credit reports which are obsolete. I have contacted TransUnion and XXXX   in regards to disputing outdated information on my credit report. Well, TransUnion and XXXX is still reporting obsolete creditors and refuses to delete the re-aged accounts which is against the law. TransUnion and XXXX finally deleted some of the obsolete accounts but they left 16 accounts by this one creditor XXXX XXXX. This creditor has to be a collection agency stemming from the original creditors because all the outdated information that was deleted this creditor XXXX XXXX is now showing all the amounts from the deleted creditors. I had never heard of this org. I have requested numerous times for TransUnion and XXXX to request for this creditor to provide the original creditors information such as opening dates, payment history etc, this is of great importance as it will demonstrate that this creditor is re-aging the accounts to keep on my credit which is against the law. I am again asking for TransUnion and XXXX to delete the 16 accounts from XXXX XXXX. A collection account is considered a continuation of the original debt. '' It is a violation of law for a collection agency to report old past-due amounts as if they are new again when the debts are sold. If an agency persists in reporting old debts with " updated '' activity dates, I will have to file a legal case against them. Its not fair for me to have to continuously go through this when this creditor is reporting false information. Its not fair for me to have to seek legal representation but I will have to because me filing disputes are not getting this issue resolved.
Consumer complaint received 2019-04-15
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. (KY)

XX/XX/XXXX I filed I Filed a complaint With consumerFinance.gov complaint # XXXX against XXXX XXXX XXXX which was resolved favorably the resolution was that the account was closed payments were backdated and the credit reports to remove late payments and references. My credit reports were updated immediately. On XX/XX/XXXX my XXXX and XXXX report updated to a back to late payments on accountThis was changed again. I have the resolution letter from XXXX that included the payment history which contradicts this new credit reporting the resolution was also reported on consumer finance file. I was not even delinquent in XX/XX/XXXX as stated on my updated report
Consumer complaint received 2019-04-15
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc. (IL)

In Mid-XX/XX/XXXX2019, I received a letter from XXXX XXXX XXXX, indicating that as a result the settlement of a lawsuit between XXXX XXXX XXXX XXXX XXXX and CFPB, my loan payment has been reduced, and that XXXX was now collecting payments for my private student loan through XXXX XXXX XXXX XXXX XXXX. The letter, however, did not indicate how my private loan through XXXX XXXX XXXX XXXX that was being serviced through Firstmark Service was going to be terminated or how Firstmark Services was going to be notified of this settlement result. 
When I called XXXX XXXX XXXX for clarification, I was told any of my private student loan through XXXX XXXX XXXX XXXX now needs to be paid through XXXX XXXX XXXX, and no one else. When I called Firstmark Services, they insisted I needed to pay Firstmark Services. 
I called both Firstmark Services and XXXX XXXX XXXX multiple times, and verified that that all of my private loan that was being serviced through Fiirstmark Serivces wasfrom XXXX XXXX XXXX XXXX XXXX, and I have learned that both Firstmark Services and XXXX XXXX XXXX are sending me bills for payments for my private student loan through XXXX XXXX XXXX XXXX. I have asked to speak with the managers multiple times at both agencies, and I was never able to get through to any managers, and the representatives I spoke at both agencies could only repeat that I owe each of the agencies payments for my private student loans through XXXX XXXX XXXX XXXX   without any explanation. I looked for ways to contact XXXX XXXX XXXX XXXX XXXX, but every time I called, I was only given the number for XXXX XXXX after multiple transfer of calls. Neither Firstmark Services nor XXXX XXXX is willing to look into my situation. Both Firstmark Services and XXXX XXXX are refusing to communicate with each other regarding the settlement result of the private loan through XXXX XXXX XXXX XXXX XXXX. Instead, they are both insisting payments. 
I have since learned that neither Firstmark Services nor XXXX XXXX XXXX has proved to me with any documents that my payments, indeed, need to be paid through either one of the agencies. In the mean time, I am getting bills from two different agencies for payments for the same private student loan, which I am not even sure what education the loans were for. 
XXXX XXXX XXXX XXXX and Firstmark Serivces seem to be acting very irresponsible and unfair, charging individuals through multiple agencies what they do not owe. I request CFPB to look into this matter for me. Thank you so much!
Consumer complaint received 2019-04-15
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. (IL)

After sending information to verify myself with my disputes by means of a Credit Repair Organization,  Transunion has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below ACCOUNTS XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX  XXXX never late
Consumer complaint received 2019-04-15
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. (IL)

After sending information to verify myself with my disputes by means of a Credit Repair Organization XX/XX/2019, Experian has failed to respond to the following issues on my credit report. They have violated the FCRA in that it has been more than 30-days. Please see items below XXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX never late XXXX XXXX not mine XXXX XXXX never late
Consumer complaint received 2023-08-03
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. (NJ)

I contacted Equifax XXXX and XXXX about updating my address phone number email and accounts on my credit that was open fraudulently along with hard inquiries and the only thing was fixed was my contact information and they keep updating the accounts as if I opened them
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

Today, Monday XX/XX/2019, I was charged for a TransUnion Report, Score, and 3-Bureau Monitoring service that I never requested. I just wanted to place a fraud alert after my brothers identity was stolen, but, while in the process of creating an account online with TransUnion, received an invoice for this service that I did not select. After a brief call, they said they would cancel it but couldnt ensure a refund. I find this behavior by one of the 3 primary credit monitoring bureaus to be deceitful and disgusting.
Consumer complaint received 2019-04-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

XX/XX/2019 I contacted XXXX XXXX bank to locate the owner of my debt. XXXX XXXX sent me a letter ( attached ) with the name and address of the Creditor. It was Midland Credit Management , Inc XXXX XXXX XXXX XXXX XXXX CA, XXXX ( XXXX ) XXXX. XX/XX/2019 at XXXX PM EST, I contacted the creditor at the above telephone number. I spoke with an operator named XXXX.I told XXXX that XXXX XXXX had stated that they owned my debt and I was calling to settle it. I stated that I was not willing to make any payments over the phone, however I will make a payment at a company website. After he verified my contact information, he stated that the company did not offer online payments. So I asked him to send me an invoice and I will return the bill with a check or money order for the full amount. He told me that they will not send anything without a payment agreement delivered over the phone.I asked for a manager. An XXXX XXXX stated that they would not send anything to me unless I make a payment agreement over the phone. I stated that I dont make any business transactions over the phone. I asked him if he was refusing to accept payment from me and he stated that they will not send me a bill or written explanation of the debt without a payment agreement delivered verbally over the phone.They are preventing me from settling this debt.
Consumer complaint received 2019-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/ - To Whom It May Concern : This letter is being sent to you in response to a notice a couple entries by your company on mycredit reports. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair DebtCollection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation isrequested.This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you What do I need you to provide as the debt validation. 

What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe 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 you are licensed to collect in my state Provide me with your license numbers and Registered Agent Proof that the collection company owns the debt/or has been assigned the debt. ( You are legallyentitled to collect this particular debt from me. ) This is basic contract law. 

Complete payment history, starting with the original creditor. ( I need to have proof of my payment history with original Creditor, what the amount of the debt was when the creditor assigned the debt to your company, and what fees/interest has been tacked on to this debt andhow you/they determined these fees. ) This requirement was established by the case XXXX v.XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX, XXXX, XXXX Circuit Court,XX/XX/XXXX.. 

Copy of the original signed loan agreement or credit card application. ( My contract with theoriginal creditor establishing the debt between us. ) This is also basic contract law. 

At this time I will also inform you that if your offices have reported invalidated information toany of the 3 major Credit Bureau ( XXXX, XXXX or XXXX   ) this action might constitute fraudunder both Federal and State Laws. Due to this fact, if any negative mark is found on any of my creditreports by your company or the company that you represent
Consumer complaint received 2019-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Friday, XX/XX/2019 I contacted XXXX and they said the account is too old to for them to collect on the account, make a settlement, or pursue legally and therefore, they unable to take do anything with the account. They said If I make a voluntary payment by mail which will renew the account making it possible for them to pursue collection through the courts. 
2nd call Friday XX/XX/2019 XXXX said the principle balance is {$460.00} ( total balance is {$770.00} ) and therefore not eligible for a 1099-C form. They would not let allow me to settle the account. They said the account is past the statute of limitations. 
Monday XX/XX/2019 The operator said that they do not know if a 1099-C will be sent to me and that even if it is the charge will not be removed from my credit. I demanded the for or removal and the operator said they do not do removals and if any payment are made it would be voluntary on my part. This would then make the account active and allow them to take me to court. I asked for a supervisor and one was not available.
Consumer complaint received 2022-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have account listed on my credit report that i didn't authorize or consent to open. several requests for my consume report have been made that wasn't authorized ( see attached ftc report under personal statement )
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Counsel, Inc. (TX)

I had received a Refund check for my Gap Insurance on my car for XXXX on XX/XX/2018 months later this company sent me a request to refund the money back they said they sent the check by error, how was this by error when I canceled my gap insurance with this company I had sign all the paperwork for the cancellations, I called my lawyer and he sent paperwork requesting proof of the error. So they put this on my credit report, so I disputed it and it came off my report but its still on XXXX  which it shouldnt be so this is the reason why I filing this claim
Consumer complaint received 2019-04-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC. (NY)

I have not been able to receive a copy of credit report from Equifax since XXXX. Each time I attempted to get my credit report I was told Equifax was NOT able to validate my identity. I have always answered the questions correctly, yet I am denied. I have PDF copies of the questions and my correct answers. I am NOT denied by the other two credit companies. The information Equifax has is incorrect. In XXXX I placed a freeze on the account when I was allowed to do so through emails with links sent directly to me from Equifax. I have my password and username information. I called Equifax today, XX/XX/XXXX, and again was told my identify could not be verified. This predator company is demanding my passport and other information that would prove very damaging to me if released. This company has a history of NOT protecting consumer information. Please help me get a copy of my credit report without sending this company a copy of my passport when the other XXXX  companies have given my a copy without a problem.