davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC (SC)

I have 2 collections reporting on my credit reports from XXXX XXXX XXXX. I want these account properly verified and validated according to the law and the FDCRA. 
There is no way this collection agency is able to do that because I have no knowledge of the accounts reporting and I have never had Services with XXXX XXXX. They have also added another collection claiming they are collecting for XXXX XXXX XXXX, also something I know nothing about. 
These collections are damaging my reports and my good name
Consumer complaint received 2023-08-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PRESTIGE FINANCIAL SERVICES INC (IL)

Prestige Financial Services is reporting a repossession in my credit report that was redeemed the same day and happened over 7 years ago. The company is stating they are unable to remove this negative information my credit report. The company is also reporting there was a 60 day late payment in XX/XX/2017 and the company has since verified the payment was 52 days late and refuse to update the credit report. 

The company refuse to correct and update my credit report despite numerous attempts to get this issue resolved. I have included a copy of the email from Prestige Financial Services stating the payment was 52 days late in XX/XX/2017. This is unfortunately happened due to a layoff and the company socks it to me again with reporting inaccurate information and allowed to get away with it. Prestige Financial Services should do the right thing but yet here we are again.
Consumer complaint received 2019-04-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MN)

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  Please Remove the Fraud alert in my Credit File 10 years I can't get a Loan and have endless banking problems caused by the Fraud Alert on my Credit file makes it so I can't open any new Bank acounts 50 Time I wrote the 3 Credit Burros with 3 Forms of ID and Ask the Credit Burrow two Please remove the Fraud alert on my Account Please Remove
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I emailed capital one on XX/XX/2019 asking if I could merge to cards because I saw the option was no longer on your website and capital one was not giving me a credit limit increase. I didnt get a response from the executive office until almost a month later saying that option is temporarily removed. OK, that was fine. I have other credit cards I can use. 

While I am going back and forth with XXXX from the executive office, another issue on my capital one savor card arises. I am charged a CASH ADVANCE fee for a purchase I made. The problem is that months prior to this, I disabled the cash advance option to {$0.00}. Capital one assured me that no cash advances could be charged to the account. I called and spoke with an account supervisor named XXXX who said she doesnt know why I was charged that but couldnt refund me even though it was capital ones fault. OK so I call XXXX again and she says she has to do research. Its now been close to 3 weeks and still no resolution and my bill is coming up with {$63.00} of interest I have to pay because of an error on capital ones part. Ive never had this issue with any other card issuer and it seems like a way to scam customers into paying fees.
Consumer complaint received 2022-09-17
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. (IN)

There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.
Consumer complaint received 2019-04-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (AZ)

I am a victim of identity theft and have been a victim of identity theft for over 25 years. Someone stole and used my Citibank Visa credit card account and made fraudulent charges using my credit card account. The balance on the fraudulent account is {$24000.00}. I want Citibank to not hold me liable for the fraudulent charges and send me a new card with a new account number with my credit limit of {$11000.00}. Under the Fair Credit Billing Act ( FCBA ) which is federal law, I cant be held liable for fraudulent charges and unauthorized use of my credit card and credit card number. Citibank is violating FCBA by holding me liable for fraudulent and unauthorized charges/transactions on my Citibank Visa credit card account.
Consumer complaint received 2019-04-17
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. (TN)

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Consumer complaint received 2019-04-17
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION (IN)

My loan with Credit acceptance was being taken out directly from my checking account. My bank removed the payment without notice therefore, I was unaware it was not being paid. By the time I discovered it my payments were behind several months. I have started giving higher payments since then. First payment was {$500.00} & then {$190.00} every 2 weeks. As you can see loan is going down? This is highly affecting my score & very unfair. Please help? Thank you
Consumer complaint received 2019-04-17
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

USAA stated on XXXX that they will not proceed with consideration of my mortgage application unless I pay them {$500.00} before XXXX. The loan officer said that the payment is required of all borrowers to demonstrate their commitment to USAA as their lender. I do not believe that I should have to pay USAA for consideration of my VA loan application.
Consumer complaint received 2019-04-17
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: JPMORGAN CHASE & CO. (AZ)

I am a victim of identity theft and have been a victim of identity theft for over 25 years. Someone open a XXXX XXXX XXXX credit card account ending in XXXX with Chase Bank. The credit card account is fraudulent. I never applied for the credit card account. Chase Bank is holding me liable for a fraudulent account which I did not apply for and it doesnt belong to me. I am now having issues opening a credit card account with Chase Bank because of the fraudulent account. Thats very unfair to me that Im being held liable for a fraudulent account. Its a violation of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act under federal law.
Consumer complaint received 2019-04-17
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (AL)

I was sold a puppy by XXXX. I was promised a Labrador named XXXX shipped to me for {$500.00}. The seller said he wanted me to use XXXX to transfer the money, and since my bank, Wells Fargo, offered this service, I felt it was reputable and would be a protected payment as if I used another service. After sending the payment, the seller said that I needed to buy a thermal crate ( between {$900.00} and {$1600.00} ) to have the puppy shipped in since the regular crate wasnt sufficient for the weather and the size of the puppy. I started asking questions and realized that this wasnt as advertised. I didnt send any more money but then asked the seller to refund my {$500.00} payment as I told him that I couldnt afford to buy a different crate. He said he would refund the money and then blocked my number. When I call him now, it doesnt ring and says call rejected. I am upset that XXXX isnt backed by Wells Fargo to recover fraudulent charges and that this site continues to operate.
Consumer complaint received 2019-04-17
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NJ)

I was involved in a romance scam. He kept stating he kept having a serious of unfortunate events and needed money. XX/XX/XXXX he contacted me through a social media called " XXXX XXXX '' We exchanged emails, numbers and text. Stated his name is XXXX XXXX and lives in XXXX XXXX NJ Stated he was an XXXX XXXX XXXX. Sent me pictures of what he claims to look like. Eventually he claims he went to XXXX and things kept happening. Machine fell in water and he needed money, no access to bank account or his credit cards, got in a car XXXX, got XXXX, needed money for medical bills, food and airfare. Wallet got stolen. Finally this XX/XX/XXXX he repeated his story of getting into an XXXX and sent same pictures. I am still in contact with him superficially because I want him to get caught and stop. He does not know I know. Through XXXX XXXX and Chase bank I have sent over {$15000.00} to several different people. He claims his name is XXXX XXXX. I believe i was depositing money for a scam. I deposited money to XXXX XXXX, XXXX XXXX Florida chase account XXXX XXXX XXXX , XXXX XXXX ohio , XXXX XXXX XXXX ga XXXX chase account number XXXX , XXXX XXXX XXXX XXXX, utah chase account XXXX I have filed a report with local police but they dont think they can do anything and have not contacted me further. I have receipts, pictures, texts and emails.
Consumer complaint received 2019-04-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Clark County Collection Service (NV)

Recently after checking my credit reports, i found out that Clark County Collection Service is reporting a collection account in the amount of {$490.00}. 
I sent a letter to them via XXXX on XX/XX/XXXX certified mail requesting validation of debt pursuant to FDCPA. ( Certified letter tracking number XXXX ) They responded to my request for validation of debt with letter dated XXXX, XXXX 2019. 

There are few issues with there response. 

1. They said that i have been notified about this debt on XX/XX/XXXX, which is not correct i havent been notified about this at all. 

2. As a Validation of debt they sent a statement/bill from NV XXXX which is not enough to validate a debt. 

3. The bill sent to me as a Validation has my name on it but has unknown address on it ( XXXX XXXX grand canyon ... ) this is not my address. 

4. According to this bill the balance owed is {$620.00}, but they are reporting this account with credit bureaus as a collection account in the amount of {$490.00}. 


This is a Clear Violation of FDCPA and FCRA Please see said Validation Request letter attached along with there response letter
Consumer complaint received 2023-08-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MI)

According to XXXX Opened XX/XX/2023 Amount of XXXX I've disputed not known to me. Original creditor have removed off my account but this debt collection wont remove it have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists I do not recognize how this account is reporting on my credit report I don't recognize the account number nor do I recognize the late payments associated with It
Consumer complaint received 2019-04-17
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (NJ)

I was a victum of a romance scam. He kept stating he kept having a serious of unfortunate events and needed money. Around XX/XX/2016 he contacted me through a social media called " XXXX XXXX  '' We exchanged emails, numbers and text. Stated his name is XXXX XXXX and lives in XXXX NJ Stated he was an international interior designer. Sent me pictures of what he claims to look like. Eventually he claims he went to XXXX with son and things kept happening. His wallet got stolen and had no money, need money for food, father was sick needed money for medical bills, father died needed money for funeral. Had no money so claimed doctor took his son to XXXX with him. Needed money to feed son. I have been still in contact with him superficially because I want him to get caught and stop. He does not know I know. Through Moneygram I have sent money to XXXX XXXX Louisiana, XXXX XXXX to XXXX, XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas. I have sent over {$15000.00} to several different people. He claims his name is XXXX XXXX. I have receipts.
Consumer complaint received 2019-04-17
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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc. (TX)

This dad was from an apartment complex. I cleaned up the apartment and turned in the Keys. But the management stated that the month that I left was too early but that was the end of my lease. So now she stays day I owe for late fees and also the month then I left and also it's called getting out of your lease early. Also the apartment complex charges for late fees even when they have taken your money and that is not legal. I have spoken with the management regarding this problem and had no communication from them to solve this matter.
Consumer complaint received 2019-04-17
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc. (SC)

I have several collections placed on my from Online Information Services. I have disputed these accounts several times. I received billing statements with just my name and an amount. This is not proper validation according to the FDCRA. 

The collections are not mine and I am unable to contact the original creditor because the hospital was bought out and renamed. I keep getting told to dispute with the credit bureaus. Well I spoke with an attorney and was advised to start here first before filing suit. This has already taken up too much of my time for accounts that are not mine
Consumer complaint received 2022-09-09
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. (NV)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2021-02-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (CO)

I contacted Municipal Services Bureau again on XXXX XXXX, XXXX. They acknowledged I did owe anything to them. XXXX said she would mark my number not to call. I have received 8 calls from them since then. Their call back number is XXXX.
Consumer complaint received 2019-02-06
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC. (FL)

I have disputed the items in question on my credit report with XXXX XXXX XXXX and it's new account owner XXXX XXXX XXXX XXXX. After battling with XXXX  to remove these items they in turn updated them with the wrong information. How is it that a company can charge off all debt and still report negatively on said report with no recourse. So I never had debt with XXXX XXXX XXXX XXXX. My debt originated with XXXX XXXX XXXX. therefore they are the loan institution and I have no business or have ever had business with XXXX XXXX XXXX XXXX. I ask that both items be removed from my XXXX  report as they carry no active balance and have remained and still remain as a charge-off.
Consumer complaint received 2023-07-04
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. (AZ)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

- XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX XXXX has violated my rights. 
- XXXX XXXX  XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX XXXX  # XXXX has violated my rights. 
- XXXX XXXX XXXX # XXXX has violated my rights. 
- XXXX XXXX  # XXXX has violated my rights. 
- XXXX XXXX XXXX # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-06-27
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Oklahoma Student Loan Authority (OK)

My family paid off my student loans, which totaled right around XXXX between my grandfather and my mother. This was a significantly small amount of the total around {$3500.00} if memory serves. A few months go by and all the sudden Im getting collection calls from this company about the same loan that is paid off. At this point I was much younger and had no clue what to do, the loan they are calling about was originated the same day this other one was paid off supposedly. Although I had never taken out another loan. I have tried for years to get them to do anything other than put me on hold for extremely long stretches of time, to no avail. Im stuck this loan was paid in full years ago!
Consumer complaint received 2019-04-16
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: EQUIFAX, INC. (CA)

i had been a victim of ID theft, a XXXX account was opened with out my knowledge and this is effecting my social security and they are about to cut and disconnect my social security .because if this inaccuracy, please i will be homeless i have spoken to the creditor and also disputed with the bureaus only equifax is the one who is not cooperating in this issue, i have called many times and provided documents even a police report and the FTC report as well. anything they requested, but they are not even helping me in this situation, please you are my last hope, my daughter told me write a complaint on equifax, please i will be homeless .i need your help in order to fight this battle thank you
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LTD Financial Services, L.P. (NH)

I received a letter from LTD Financial services in XX/XX/2018 regarding a debt that I do not recall and I responded with a letter requesting validation. I never received any information from the company. I received another collection letter today offering several payment plans, still no validation of the debt. I am now sending them another letter with a copy of my XXXX letter to inform them that I have reached out to report them. I reached out to FTC and it brought me here for this complaint. I have attached both letters I have sent and the letter I received today from the LTD for reference.
Consumer complaint received 2019-04-16
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hi my name is XXXX XXXX. I'm currently in the market to purchase a home and before I actually start the process I wonted to review my credit report. After carefully reviewing it I notice a couple of items that are not mine and I have no idea where they came from. Its kinda of scary that something like this can happen. These items are not mine and I have no idea how this happened but these items need to be removed from my credit report. I have contact the FTC and my local police. Im doing this on my own behalf. 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 XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.