davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-03-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (TX)

It has come to my attention that Jefferson Capital System has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Consumer complaint received 2021-03-31
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. (NC)

so i contacted this company about my credity report having false and misleading information on it and not only is the false items still on my report but also they have yet to respond to me and it has been like over XXXX  months. I dont know whatg i am supose to do if i have already wrote them and didnt get anything back.
Consumer complaint received 2018-11-10
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. (IL)

this is not a duplicate request. 

I received documented proof of my XXXX  student loan accounts being in forebaerance from the XXXX company a couple of weeks ago, I submitted that proof to the Experian, XXXX and XXXX   company to have the incorrect late payment status for the months that the loan was in forbearance status to have my file corrected, I will attach the letter sent to me by the XXXX company again, which shows proof that this loan was in forbearance status from the company themselves. I will attach proof that the XXXX and XXXX company have corrected my record, but the Experian company continues to report these wrongfully reporting late payment dates even after receiving the same documents that was validated by the XXXX company to XXXX and XXXX, also experience is doing the same thing with the wrongfully reported chapter XXXX bankruptcy on my name. XXXX and XXXX have corrected the record for this and Experian has not. I will attach all the same info that I sent time and time again to the Experian company to show proof that they continue to do what they want and not what the law say, and I will also point out that this is considered slander of my name. please remove these inaccurately reporting lates from the navient company and the inaccurately reporting chaptyer XXXX bankruptcy
Consumer complaint received 2019-09-03
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (FL)

OnXX/XX/19 I received a letter that my mortgage was going to be transferred from XXXX XXXX XXXX to LoanCare , LLC. Effective XX/XX/19. 
With XXXX XXXX XXXX I was able to make partial payments which I continue doing until my loan got transferred. Three of the payments were reflected as a principal payment which I had to call LoanCare to let them know that I was seeing this error was happening. I called multiple times and they said that they were not able to see my payment history which was confusing because I was able to see it on their website. LoanCare asked me to call back in 30 days to wait for all the information was transfer I asked them if my credit was going to be affected since it was reflecting that it was late and if I was going to have late fee which they told me no but to clear everything I made a payment for {$2200.00} to cover XXXX. When I called back, they told me again they couldnt see it until I had to explain to them where to find it. An employee contacted the supervisor explained what happens with my payments and where they have reflected which it was in principle. The supervisor told the employee to the summit to correction and that it was going to take 2 business days to clear in my account, they asked me to make another payment to complete 2 full payments into my account which were for XXXX and XXXX. I gave them 5 business days, I called back a Wednesday and they said that it would be done by Friday XX/XX/19, today is XX/XX/19 and they are implying that they sent me an email saying that they did not have all the information and they could not proceed my request. I explained to the employee that I did not receive that information that only told me to wait until Friday. I requested to talk with a supervisor or manager she said no one was available but she transferred me and requested a callback. Nothing has been resolved. 
Payments : - Payment on XX/XX/19, Confirmation # XXXX for {$1100.00} cleared from my bank account on XX/XX/19 - Payment on XX/XX/19, Confirmation # XXXX for {$1100.00} cleared from my bank account on XX/XX/19 - Payment on XX/XX/19, Confirmation # XXXX for {$1100.00} cleared from my bank account on XX/XX/19 - Payment on XX/XX/19 for {$2200.00} and cleared my bank account on XX/XX/19 - Payment on XX/XX/19 for {$1100.00} over the phone and cleared my bank account on XX/XX/19
Consumer complaint received 2019-08-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: JH Portfolio Debt Equities, LLC (IL)

notice, consumer report was pulled while I have a suit in litigation against credit control. call the number listed in the report no one answers the phone and left message to call me back but no one called back.
Consumer complaint received 2024-02-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

It has been over 30 days and the creditor has not updated the information or provided proof or documentation, in regards to a late payment. They have not supplied this information and they must, by law they have 30 days to complete an investigation. By law they must remove it immediately.
Consumer complaint received 2021-12-03
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: Capital Auto Credit, LLC (FL)

On XX/XX/2020 and XXXX XXXX XXXX Credit pull from my credit report, on XXXX XXXX XXXX pull from my credit my credit report, and on XX/XX/2020 XXXX XXXX XXXX  pull my credit report all without my permission or intention to incur an inquiries on my credit report. I need this off because it is messing up my credit report for me to get a loan, credit card, and car.
Consumer complaint received 2019-09-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Maury Cobb, Attorney at Law, LLC (TX)

On XX/XX/2019 received call was told if amount not paid today I would be sued and that Im not smart for not paying today because he could go get attorney right now and sue me works for Maury Cobb
Consumer complaint received 2019-09-03
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (PA)

I have been paying Salliemae, now Navient since 2007. The initial loan was for {$21000.00} and after it was sold to Navient it has now ballooned to me owing them an additional {$36000.00}. I did one semester in XXXX - I did not finish because I realized how much they were charging per semester that was not revealed up front. 

I have repaid Navient, to date {$30000.00}. They charge me a 12 % interest rate and after I called to ask why wasn't more of my payments being applied to the principle they said I have to call each time to speak to a rep to ask that my payment be charged to the principle. On the website they do not give you that option which is very unscrupulous because XXXX and XXXX both allow payment to be applied on your interest or principle.
Consumer complaint received 2022-11-19
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. (MN)

On XX/XX/XXXX I contacted ( Experian about the following negative accounts XXXX XXXX Bankruptcy ( Date Filed/Reported : XX/XX/XXXX, Reference # : XXXX ). Its been over 45 days and Experian havent respond to my request as they are required to by the Federal Credit Reporting Act.
Consumer complaint received 2018-03-13
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Paramount GR Holdings, LLC (PA)

To whom it may concern, on XX/XX/XXXX I applied for a home refinance loan with XXXX XXXX XXXX XXXX doing business as " XXXX  '' ( NMLS # XXXX ). I found this lender via an internet loan shopping service. Once I initiated an interest in obtaining a home loan known as a cash out refinance to assist in paying down consumer credit card debt, I was contacted by a XXXX XXXX XXXX XXXX, NMLS # XXXX and License # XXXX  who works out of the lending companies branch locations. That mailing location for that XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX,. Phone # s XXXX XXXX XXXX or XXXX, e-mail : XXXX. XXXX XXXX consulted me to apply for an FHA backed loan base on my and my spouse 's credit score. We did make application and electronically signed the application documents and accepted the early loan disclosures electronically as well. XXXX XXXX requested that we fund an Appraisal Fee of {$550.00} and he took our information to initiate an ACH debit to our consumer checking account maintained at XXXX XXXX, ( XXXX XXXX ). However, onXX/XX/XXXX I sent XXXX XXXX   an e-mail message to hold up on any further loan processing. Also, at that time, there had been no appraisal of our home and I requested that he have our {$550.00} home appraisal fee credited back to our consumer checking account. We have decided to go with another Home Loan provider and with better loan terms and no PMI requirement. I've contacted XXXX XXXX both on the phone and via email and he said that the money was sent to the home appraisal company and I would have to contact them. However he could not tell me how to contact the selected home appraisal company. I've followed up with XXXX XXXX and his firms customer e-mail : address XXXX  and included their loan in process tracking number Loan # XXXX. Still, we have not received the return of our {$550.00} funds.
Consumer complaint received 2021-06-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

Portfolio Recovery is suing me in XXXX XXXX XXXX XXXX XXXX ( Ohio ), on a debt that I requested validation for. They did not validate the debt, they just sued. The suit amount is well below the level for a small claims case here, yet they filed in XXXX XXXX in order to make pleading and responding more difficult without the help of a lawyer. 

I am XXXX and I told them to cease and desist calling my number, because I was XXXX I wanted all communications in writing, and the calls served only to harass me. 

They have continued to call me even after filing this lawsuit. I wrote their attorney twice telling him to instruct his client to cease and desist contacting me by telephone. 

The calls have not stopped. 

Among other FDCPA violations, they have continued to park the debt on my credit report even though I have disputed it, and its involved in pending litigation! 

The attorney will not provide the forward flow agreement, the statement attached to the lawsuit shows a supposed payment on the account THAT I DID NOT MAKE. Portfolio Recovery is facing a class action lawsuit in Illinois for this very thing, indicating a payment when none was made in order to re age accounts, attempt to prove a contract on account. 

Further they mail all their letters from a place in California. This is a mail house. They have transmitted my data including things like my social security number to this third party in violation of the FDCPA ( see the recent 11th Circuit decision ). 

Their bullying litigation tactics to force me to pay a debt they refuse to validate ( suing in a higher court, re aging accounts, parking the debt on my credit report, continued telephone harassment after filing suit ) all violate the spirit and the intent of the XXXX  consent decree they entered with you. 

Their attorney will not communicate with me, but continues to forward the case, refusing arbitration which the contract attached to the lawsuit specifically prescribed. I do not believe I am receiving fair treatment in this court PRA chose, as the most recent denial of a motion to compel arbitration was entirely ghost written by this attorney.
Consumer complaint received 2021-06-25
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. (GA)

XX/XX/XXXX {$360.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$8300.00} I been reaching out to the credit companies and these Creditors for 5 months. I have also filed a cfpb complaint on XX/XX/XXXX and on XX/XX/XXXX they stated they would respond back within 30 days.They have yet to send me any proof of these original application with a signature so I can figure out who did these accounts in my name.I have also sent them a notazied affidavit about these fraud accounts. 
The only Creditor who responded was XXXX and the sent a letter saying this account was opened around XXXX, XXXX. On my credit report it states this was open in XXXX. This is totally fraud on my credit report.
Consumer complaint received 2021-12-04
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 (NY)

I sent a package XXXX months ago and I asked for copy of delivery receipt to see where package went My case number with Capital one is XXXX They sent me a letter XX/XX/XXXX to say : deal yourself with vendor case closed '' I asked XXXX to ask XXXX XXXX for delivery receipt and never received So insulting to customer with case closed, deal direct, I tried but no response with copy of delivery receipt again I ASK XXXX XXXX XXXX XXXX, send me copy receipt otherwise i want rebilled reverse credit reinstated {$85.00}
Consumer complaint received 2018-07-30
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. (VA)

I entered a settlement with XXXX XXXX. However, the credit bureaus are not updating the account to report it correctly. They are reporting a charge off when it is not a charge off. It is a settlement.
Consumer complaint received 2018-03-09
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. (MO)

I disputed this account recently letting them know that this is incorrect reporting and requested verification of the debt. They have told me they've verified the debt however have not provided proof of the verification or of original debtor verification. I have made the request twice within the past 5 months.
Consumer complaint received 2022-01-20
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical-Dental-Hospital Bureau of San Antonio (FL)

I currently have this account in collections with no balance. It list the open date as XX/XX/2012 and the original creditor is XXXX XXXX XXXX XXXX. I have called this medical facility in order to receive information about this debt. They referred me to XXXX XXXX XXXX however they have not mailed me any information about the debt. I do not see an amount owed. This is a medical debt which has not been validated. There is a statue of limitation of 4 years in Texas ( state I lived in at the time of this debt dates it occurred ) and 5 years in my current home state. I am asking for this Collection to be removed and stop being reported to the 3 Credit Bureau due to the statue of limitations on the opening date of this account.
Consumer complaint received 2019-08-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SYNCHRONY FINANCIAL (NC)

I have been in contact with Care Credit Synchrony Bank since XXXX XXXX. XXXX XXXX sent me a letter notifying me that I overpaid XXXX on my XXXX payment for XXXX XXXX purchased in XX/XX/XXXX. However, the account ending in XXXX has numerous balance transfers on it from XXXX XXXX Bank MasterCard ending in XXXX that I did not do or approve. I sent numerous letters asking for transaction information for these transfers and the company sent me the elctronic payment virtual checks dated XX/XX/XXXX stating XXXX was the Payment source to the XXXX account with a merchant ID blacked out except for XXXX ending numbers. I have no record of a XXXX   card during this time and no idea what merchant ID represents. I sent another letter to XXXX XXXX of the President 's office on XX/XX/XXXX sharing that I made a XXXX payment from my credit union in VA and those XXXX payments made XX/XX/XXXX funds showed up in CT XXXX XXXX account ending in XXXX that was dormant since at least XXXX ( I opened it in XXXX with my mother ). They are listed as a credit card payment and on XX/XX/XXXX listed as a returned item deposit?? How could this be? The check number is XXXX and I have no idea what or where that came from. In addition, there was a new care credit opened in my name that I have no idea about with a log in of XXXX and password XXXX that does not open the page saved in my XXXX password. I asked the secret service for help in VA and they shared the log in looks like a routing number. They have not responded to how the payments went from my credit union to XXXX Bank in CT to an account I have not accessed since XXXX? Those records are easy to retrieve. It was assumed dormant. XXXX XXXX, a family member did access those accounts in CT and opened numerous cards in my name with a false address in CT while I lived in VA. The secret service reported frequent balance transfers may be indicitive of laundering. He is being investigated for XXXX of checks made out to him and cashed at the teller from XXXX to XXXX ending in XXXX. He closed both accounts in XXXX, however, I requested records and need to know why Synchrony is not responded to my question. How did my payment go from my XXXX XXXX XXXX made XX/XX/XXXX and credited to hearing aid account balance and end up on XX/XX/XXXX and XX/XX/XXXX in a XXXX account in CT I had not accessed since XXXX? I did not have an XXXX XXXX card that was used to make a balance transfer payment of XXXX to XXXX XXXX XXXX Master card I also did not have access to or records will show use? Please investigate this fraudulent transfers? XXXX XXXX has not responded to my letter with records dated XX/XX/XXXX.
Consumer complaint received 2024-05-17
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: ROBINHOOD MARKETS INC. (FL)

I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX  which solicited me to invest a substantial amount of money. All payments were made in way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by https : //robinhood.com/. I consider the beneficiary wallets to be an integral part of the fraudulent scheme behind XXXX. Based upon the understanding that https : //robinhood.com/ is acting compliant and will provide the due care towards its own wallet-holders, my legal representatives from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX sent a relevant request for provision of information to Robinhood Markets, Inc. Unfortunately, as of the date of this complaint, https : //robinhood.com/ has provided neither me nor my legal representatives with the requested information even though we have sent several follow-ups. By ignoring my request, https : //robinhood.com/ failed to provide the required information about the XXXX  hosting the beneficiary wallets, where I have made a series of transactions to, respectively information that the beneficiary wallets were not hosted by a XXXX. By so doing, https : //robinhood.com/ does not refer to specific legal grounds, which justify their decision not to provide the required information. In my opinion, the lack of response from https : //robinhood.com/ represents a clear example of the mistreatment of my consumer rights as a consumer.