davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TN)

I opened an account through XXXX, I already owned my phone so there was no problem there. I paid the first month and the bill went up in the second month for absolutely no reason. Nobody could give me a reason so I finished paying my bill and ended service. XXXX came to the conclusion on their own that I had over paid and sent me a refund via my bank account. Nothing else was said and I received no notice of owing any amount and thought the matter was closed. I checked my credit reports and there it was but through Diversified a collection agency and it was under their name. I called them and they were nice and took care of everything for me. I sent them copies of my bank statement and they considered it paid in full and took it off the other 2 credit reports but not this one. I put in a dispute and its coming back as valid. So now Im stuck with this on my report and no way to get it off apparently. So is it XXXX or XXXX thats trying to be XXXX?
Consumer complaint received 2019-10-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I have faxed and mailed these same disputes to transunion many times and they refuse to respond or to do an investigation on the items.
Consumer complaint received 2018-03-12
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: JPL Recovery Solutions (AZ)

JPL recovery solutions keeps calling me and several of my family members harassing them about my whereabouts. Theyve claimed that I used each family member theyve called as a reference which is untrue. Ive gotten 2-4 calls a day. This has been going on since XX/XX/2018.
Consumer complaint received 2019-10-13
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: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One has once again inaccurately reported my credit balance incorrectly after I submitted a dispute to Capital one to fix this error. I submitted a dispute on XX/XX/XXXX after speaking with a Capital One Rep., who told me about this process, hoping it would be corrected so my credit score would not suffer. The underline issue is that Capital One is still not reporting my balance of XXXX which is the balance on my XXXX statement which was supposed to be reported on the XX/XX/XXXX but instead my balance of {$1000.00} was reported prematurely to XXXX and XXXX by Capital One on XX/XX/19 which made my credit utilization 59 % when instead it should have been 28 %. My billing cycle was not closed while Capital One reported my balance of {$1000.00} prematurely. I am sending supporting documentation that includes the amount on my billing statement which should have been reported on the XXXX of XXXX. After sending Capital One dispute department a detailed letter describing this issue in attempt to fix the problem ; Capital One responding by reporting XXXX on XXXX, instead of XXXX. I am at my wits end with Capital One after three years. After calling Customer service numerous times, no one knows what is going on, I keep getting the run around and I can not not reach anyone directly at Capital One who would address this concern. 
I will also provide my dispute letter that was sent to Capital One.
Consumer complaint received 2019-10-13
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rausch Sturm LLP (TX)

On XX/XX/XXXX, I was informed by my bank, there was a lien placed on my house by Rausch,  Sturm, Israel, Enerson & Hornikllc. When I contacted them, I asked why this lien was placed on my house. They stated, it was a debit from capital one. I told them this was not my debit. The birthdate they had was not my birthdate. I disputed this twice and I never received a response. I was trying to get a equity loan but I could not do it because of this lien. My bank told me I could put this debit on my equity loan all I needed was a statement from them. They could not provide me that information. They stated they could, I waited a week and they still could not provide me this information. I decided to pay the debit and they still have not taken my house off of the lien. I paid them on XX/XX/XXXX th and I have been asking for a release of lien letter and I have been getting different answers of why they have not sent me this information. I went to my county court house on XX/XX/XXXX and they stated they have not received any paperwork that I paid this. I showed them my receipt and they stated they did not know why I haven't received the release of lien letter. I called rausch and I was told that they sent me and my county court a letter on XX/XX/XXXX stating the debit was paid and they could not email me the letter. I have not received any letter. This company has been telling me that they were going to send me this letter for XXXX weeks and now they told me they can not. This is a horrible law firm. They bought this fraudulent debit and put my house on lien without my knowledge. How much longer do I have to wait for a letter on a debit I paid that was not mine.
Consumer complaint received 2019-10-13
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC (WA)

I had paid XXXX {$970.00} then another {$540.00}, and within a Month claimed I owed them {$1100.00} plus ... every time I would call or stop by XXXX store, they would tell me they can't take care of this problem here, you need to contact Corporate!!
Consumer complaint received 2022-07-23
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

CAPITAL ONE AUTO FINAN XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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: UNITED SERVICES AUTOMOBILE ASSOCIATION (FL)

I was on temporary XXXX ; and went into a XXXX Pay Status at work. I have been in contact with USAA/XXXX the entire time. I made a payment arrangement with the mortgage company so that my mortgage would be paid and there would be no issues. USAA/XXXX agreed to keep showing my account as current without any negative comments. My credit reports are showing XXXX late payments and this is having a very negative impact on my credit. I contacted USAA/XXXX again this week, and spoke to a representative, who assured me that the late payments would be corrected. I have filed disputes with all of the credit reporting agencies : XXXX XXXX XXXX XXXX. However, the incorrect, negative information remains on my account. Thank you.
Consumer complaint received 2022-07-18
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. (TN)

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

15 U.S.C 1681 section 602 A. states that 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 2021-04-16
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: National Credit Systems,Inc. (FL)

VICTIM OF IDENTITY THEFT. I RECENTLY PULLED MY XXXX XXXX AND XXXX CREDIT REPORT AND NOTICED ACCOUNTS AND INQUIRIES THAT I DID NOT INITIATE. I CONTACTED THE COMPANIES AND THEY TOLD ME THE ACCOUNTS WERE LISTED UNDER MY NAME AND SOCIAL SECURITY NUMBER. I DO NOT HAVE ANY RELATION WITH THESE COMPANIES AND BELIEVE THESE ACCOUNTS ARE A RESULT OF IDENTITY THEFT. I HAVE CONTACTED XXXX XXXX AND XXXX AND EXPLAINED TO THEM THESE ACCOUNTS ARE FRAUDULENT AND NEED TO BE REMOVED BUT THEY REPEATEDLY VIOLATE THE FCRA BY DOING NOTHING.
Consumer complaint received 2019-10-13
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (MA)

I keep receiving calls from first credit in NJ say I owe XXXX dollars they are collecting from XXXX XXXX. XXXX is bankrupt and I have no way to get a hold of them. I should never owe them a dime and my insurance company say they never billed them on the date that first credit is reporting I used their service. What do I do? Am I being scammed? This is not right. They basically said too bad.
Consumer complaint received 2017-05-31
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (MI)

In  XXXX  , 2015 I disconne cted services with  XXXX  prior to the contract end date. I knew I would have to payout the contract so I continued to make payments as well as being issued a credit from  XXXX  corporate offices when I called to complain about the representatives low level customer service abilities. I requested an itemized statement of final charges from  XXXX  reflecting all payments as well as the credit. I never received the information but in turn  XXXX  turned the account over to the  XXXX  collection agency, I notified them within 30 days in writing that the account was in dispute and to cease any attempts to coll ect ( they complied ). I sti ll never received the information I requested from  XXXX  and they in turn sent the account to the  XXXX  collection agency, I notified them as well within 30 days in writing that the account was in dispute and to cease any attempts to collect ( they complied ).  XXXX  continued to not provide me with the information I requested but they in turn sent the account to a  XXXX  collection agency. I notified the  XXXX  collection agency via fax and in writing within 30 days that the account was in dispute and to cease any attempts to collect. They instead put the account on my credit report which has now put a negative mark on my report. I contacted them advising them that they were notified via fax and in writing that the account was in dispute and they were not to put it on my credit report or continue to collect. I stated that they were in violation and they are to remove that from my credit report. It was stated to me  by one of their re presentatives, that as long as I " owe '' that amount it will remain on my credit report.     I then contacted  XXXX  corporate office, escalation team again and stated this is ridiculous for it to have gone on for a year and a half when all I requested was an itemized statement of the final charges. I also informed the rep again, that I was not disputing that I owe  XXXX  I was disputing the amount and by law they were required to give me that information.     After almost anoth er 2 we eks the escalation rep at  XXXX  stated he could not make sense of their records and out of the good of customer service, would issue me a {$300.00} credit toward the final amount of {$430.00}, which would make the final amount {$130.00}, which was paid.     I worked really hard to get my credit back on track now only for this collection agency to disregard the notifications I sent, not listen to what I was saying and to put this blemish on my credit report. Now because of their form of bullying, I have to hold off longer on trying to buy a new home.     Thank You,  XXXX   XXXX   XXXX
Consumer complaint received 2022-12-01
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: CLGF Holdco 1, LLC (VA)

I am a victim of fraud and identity theft. Someone stole my identity and opened up 2 credit cards and used these cards for purchasing. 
I noticed the first card where I became a Credit Card Statement from Genisis FS Card Services on XX/XX/2022 via USPS mail late evening. 
1 Credit card company : Genisis FS Card Services {$3400.00} 2. Credit Card XXXX XXXXXXXX XXXX XXXX XXXX {$3400.00} I immediately filed a Police Report on XX/XX/2022 in the morning - XXXX XXXX County Police Case # XXXX. 
I immediately froze all my Credit Information, filed Identity fraud theft reports, and disputed these 2 Credit Cards by XXXX, XXXX, and XXXX. I filed also an Identity Theft report with the Federal Trade Commission, XXXX XXXX XXXX, Social Security Administration, and the IRS. 
1. Credit Card Company XXXX Genisis FS Card Services- you can't call this company since a computer Voice wants first the Social Security Number XXXX 
I contacted both Credit Card Companies ( Genisis FS Card Services & XXXX XXXX XXXX XXXX XXXX ) via USPS Mail. I provided all the information I had- including a copy of the Police Case Number. 
All 3 Credit Bureaus XXXX XXXX, XXXX, and XXXX investigated and DELETED already both Credit Card companies from my Credit Reports. For all 3 Credit Bureaus, both of the Cases are closed. I have on all 3 Credit bureaus now an extended Fraud Alert for 7 years. 
Genisis FS Card Services is asking me now again to provide Copies of filed Identity theft, Police Report. I did send already everything via USPS on XX/XX/2022. 
XXXX XXXX XXXX XXXX XXXX send me a Declaration of Fraudulent Activity which I need to sign and send back. 
Both Credit Card Companies ( Genisis FS Card Services XXXX XXXX XXXX XXXX XXXX XXXX ) did not close these fraudulently opened accounts and want to make, after I send everything again, their decisions if I am responsible. 
I did not open these accounts and both Credit Companies have all the proof already from me and the Credit Bureaus. I highly appreciate that we can hopefully close this chapter in my life.
Consumer complaint received 2024-04-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

TransUnion, XXXX, & XXXX are continuing to report incorrect information on my consumer reports. Under federal law consumer agencies are required to maintain 100 % accuracy and in this case they are not. There are several name variations and address that are incorrect and should be immediately deleted. 

My name is XXXX XXXX there should be no other names listed on my consumer report or aliases. 

TransUnion 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 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Consumer complaint received 2019-07-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

I have 2 more violations of the FCRA from Experian. I submitted a dispute on two accounts : XXXX/XXXX  and XXXX on XX/XX/2019. Experian notified me that they were in receipt of the disputes on XX/XX/2019. I was subsequently notified on XX/XX/2019 that the results of this dispute were ready. The date of last update shows that Experian did NOT conduct an investigation per 15 USC 1681i ( a ) ( 1 ) ( A ) and 15 USC 1681s-2. The dates of submission to the dates of " completed update '' show that Experian simply ran out of time to complete an actual investigation and simply put out old information that is inaccurate.
Consumer complaint received 2019-10-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

On XX/XX/19 I contacted Equifax to address some inaccuracies reporting and they were not about to provide any information to the account in question : XXXX XXXX / XXXX XXXX. 

So I called XXXX XXXX to get information and they specifically stated the amount I provided to them that I notice on my Equifax credit is incorrect. 
{$1400.00}. 


They stated the amount that should be reporting is : {$990.00} Equifax has not rectified this error and I would like to request this is repaired and return back my credit point for a high increase in utilization that I didnt have which has impacted my exceptional credit rating.
Consumer complaint received 2018-05-04
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: EQUIFAX, INC. (NC)

On XX/XX/XXXX, I sent a dispute in regards to my Identity being compromised and the reporting of erroneous accounts that I have not authorized being on my credit nor did i receive any goods or services stemming from these accounts
Consumer complaint received 2019-10-13
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Second Round Limited Partnership, Austin, TX Branch (NY)

In XXXX a man arrived at a residence that I do not reside at and informed the person there that he will serve me or tape the summons to the door. I then received another letter from the Supreme Court in the mail last week and a copy of the lawsuit from the lawyer of the company. This company is not on my credit report, I have never heard of this company or this debt. I attempted to call the lawyer to discuss this and was told I had to pay the full amount right then to stop legal action or pay half and then the other half in two weeks. They are threatening to garnish my wages and have not responded to any questions on verification of debt.
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IL)

After reading the news about XXXX and now Navient I realize my situation matches several of those stories. Two week prior to graduating from XXXX in 2008 I was pulled out of class and taken to see a woman I had never seen at the school before ( maybe XXXX staff member in that entire building I knew them all at this point ). 

She tells me there has been an issue with my financial aid and that for the last year I have had no finances to pay for that years tuition, and I am now on the hook for nearly {$20000.00} in fees. They claimed the prior finance director never sent off my aid request for that year and showed the dated document from her filling cabinet. In my panicked state I was pushed into signing a high interest private loan. That did not have some of the safety nets traditional student loans have. 

The following week I was asked to stay at XXXX to complete a XXXX degree but in a different field that my XXXX degree. When asked why there 's not a XXXX degree for my graduating field I was told that my class would be the last one to graduate from XXXX with my degree because employment rates for graduates was less than 30 % and that they 'd no longer be offering those courses. I found this very surprising because 2yrs prior their recruitment agent boasted 80 % + job placement rate for graduates. 

A year or two later when having trouble paying for my loans and sought options to reduce my payments I was told by XXXX XXXX to enter forbearance and that it was my only real option. 9 years later an {$700.00} a month loan payments my balance is greater than the original loan amount.