davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (ID)

In XX/XX/XXXX i sent in a court order from a judge releasing me from 3debts, i sent those documents to equifax and i talked to the XX/XX/XXXX and they said i had to talk to the reporting creditor to resolve. they said they were not going to remove off my credit report because the reporting agency verified them
Consumer complaint received 2022-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to TransUnion and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
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
Consumer complaint received 2022-02-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: National Credit Adjusters, LLC (FL)

NCA - National Credit Adjusters, XXXX XXXX XXXX XXXX, XXXX, KS XXXX has been sending me collection notices in the amount of {$1100.00}. The collection has been reported as a past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Consumer complaint received 2022-02-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (MD)

As I reviewed my recent report, I have found an erroneous information reporting on my Equifax Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Equifax to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX XXXX XXXX Balance : {$200000.00}
Consumer complaint received 2022-02-22
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC (PA)

Jefferson capital systems is reporting a debt as new for an account that hasn't been open in 7 years. They have also had ownership of this account for years and previously removed it because they could not validate the debt. They now put it back on my report as a brand new debt collection. It is also for 6 times the original amount. Attempting a complaint here before I pay the lawyer I consulted with.
Consumer complaint received 2019-07-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Concentric Receivables Management, Ltd. (TX)

I received a notification on Saturday XXXX XXXX that my XXXX credit score dropped 70 points because of a medical collection was added to my XXXX   credit report. The collection was from Concentric Receivables Management for the amount of {$300.00}. The original creditor was XXXX XXXX XXXX XXXX XXXX. I contacted Concentric Receivables by phone on monday XX/XX/2019 morning at XXXX XXXX CST and spoke to XXXX XXXX. I made her aware that the collection was not valid and that debt had already been paid to XXXX XXXX XXXX XXXX. XXXX XXXX told me that indeed were in contact with the hospital and were aware the debt had been paid and that they would be sending a Deletion Letter to all the credit bureaus informing them to remove the collection off of my credit reports. This has still not been done. Concentric still has not sent the deletion letter, and they will not return my emails or phone calls. I than called XXXX  and they told me there was notning they could do but wait 7 to 10 business days to remove the collection even though I had a deletion letter in hand proving it was wrong. I spoke to XXXX at XXXX, his employee number is XXXX. I told him I needed it removed immediately because it violated my FCRA rights and he again told me he could not do anything. These actions by both XXXX  and Concentric Receivables are in direct violation of my rights protected under the FCRA laws. This collection needs to be removed from all of my credit reports immediately.
Consumer complaint received 2018-08-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kelsting Group, Inc. (CA)

XXXX XXXX XXXX Date Opened XX/XX/XXXX Status Collection account. {$2600.00} past due as of XX/XX/XXXX. 

I have no accounts that I opened and have not paid since XXXX. I have no clue what this is for and the company will not tell me without first obtaining information from me that I should not have to divulge considering I have no clue what this is for or where it came from. They contacted me and said they were going to attach my wages were very rude and then hung up on me. I know for a fact I do not owe this money and can not get it resolved. I am trying to work on my credit and I can not get this explained or understood. 

Please help in anyway to identify where this stems from and who is the true owner of this liability. 

Thank you in advance.
Consumer complaint received 2019-05-24
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (MO)

I have contacted them by certified mail 3 different times over last year, and ask for proof of said debt. Have yet to receive any form of proof. Last contact was made XX/XX/2019. Received proof of them signing for letter on XX/XX/2019. As of today I have not heard back from them, and said debt is still on credit report. Experian has not showed proof of this debt and have now failed to respond to my letter. Account number is XXXX and unverified.
Consumer complaint received 2018-08-16
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. (NV)

XXXX XXXX XXXX is incorrectly posting a 30 last to my credit file. This is been negatively effecting me for more than 8 months now. They have admitted that were wrong and sent the late payment I was forced to pay back ( as see by the documentation that I have uploaded to this complaint ). It is not right and an inaccurate repot of 30 days late they can't send me a refund but continue to post that I was late. P
Consumer complaint received 2022-02-22
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. (FL)

I have a charge off that has been reporting on my credit report since XX/XX/2021 the creditor is XXXX XXXX XXXX XXXX account # XXXX I have no knowledge of this account in I believe I am a victim of identity theft
Consumer complaint received 2022-02-22
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION ()

Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Scammer ), representing a fake company XXXX all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

It should be noted that the Scammer is a client of yours, registered as XXXX XXXX XXXX with committing financial crimes right under your nose, which involve, among other things, stealing and laundering large sums of money on a regular basis. Money was transferred from my XXXX Bank account in the total amount of XXXX USD utilizing your services. 

Scammers Account XXXX : XXXX
Consumer complaint received 2019-07-30
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: EQUIFAX, INC. (UT)

XXXX XXXX - partial account number XXXX and XXXX XXXX XXXX partial account number XXXX are reporting duplicate line items to Equifax ; XXXX  and XXXX a collection in the amount of {$3100.00}. ( Please see page 2 of the attached credit report. ) This duplicate reporting of a collection is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful.
Consumer complaint received 2018-08-16
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NV)

XXXX XXXX XXXX is incorrectly posting a 30 last to my credit file. This is been negatively effecting me for more than 8 months now. They have admitted that were wrong and sent the late payment I was forced to pay back ( as see by the documentation that I have uploaded to this complaint ). It is not right and an inaccurate repot of 30 days late they can't send me a refund but continue to post that I was late. P
Consumer complaint received 2018-06-29
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HEARTLAND PAYMENT SYSTEMS INC (NY)

On XX/XX/XXXX, I called XXXX XXXX XXXX of XXXX, NY in order to gain information regarding an allegedly defaulted student loan account in my name. 

I was put in touch with a XXXX XXXX, who insisted that I owed a total of {$1100.00}. This was in stark contrast with the amount listed on my Federal Student Aid account, which listed a due principal of {$820.00} with {$0.00} interest due. 

When I presented this information to XXXX XXXX, he became agitated and hostile, insisting that I owed an additional {$350.00} in interest charges. 

I pointed out to XXXX XXXX that I could not possibly owe Security Credit Systems that much, as this loan was serviced by another credit agency before XX/XX/XXXX, before being transferred to XXXX XXXX XXXX after that date by my original loan provider, XXXX XXXX, as disclosed to me with XXXX XXXX business office in a conversation which took place on XX/XX/XXXX. XXXX XXXX XXXX has serviced this loan for less than two weeks, and yet they are claiming I owe roughly 45 % of my principal balance in interest charges, to quote XXXX XXXX. 

XXXX XXXX then vacillated between claims that these interest charges were imposed by XXXX XXXX XXXX and, alternatively, the federal government. When I stated that these interest charges couldnt possibly be imposed by the federal government, as the Federal Student Aid website currently lists due interest charges for this loan at {$0.00}, XXXX XXXX again grew angry and demanded that I pay the requested amount immediately. 

It is clear to me, based on the very short length of time XXXX XXXX XXXX has serviced this debt and the significant discrepancy between XXXX . XXXX claims and the official amount listed as due on the Federal Student Aid website, that this is an attempt to charge an exorbitant and potentially usurious amount of money that I do not owe. These actions are in clear violation and, at the time, render me unable to pay my proper debts. 

XXXX XXXX XXXX is making wildly fraudulent demands, and should be appropriately reprimanded for their unethical, predatory, and potentially illegal behavior.
Consumer complaint received 2022-02-03
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO. (OR)

Chase was sent a check to pay off my car around XX/XX/XXXX, they received the check sometime after the XXXX. 


They were contacted by the buying car dealership to check in on the status Tuesday XX/XX/XXXX and said it will be applied shortly. Well due to this my monthly payment was late because I was told the payoff would cover it. 

As of XX/XX/XXXX chase has still not paid of the vehicle even though they are in possession of the check. 

Chase is unwilling to work in a timely manner or provide a solution while forcing me to continue to pay on a car I do not own anymore.
Consumer complaint received 2022-02-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

. They want to collect on a judgment from the year XXXX, and that is like over 14 years ago. The judgment from court had expired and it was never renewed by the creditor so the judgment is no longer collectable. The collector has failed to validate the debt and is trying to get me to pay on something they know i no longer legally owe. 

I have filed a previous complaint with CFPB ( XXXX ) and same debt was tried to be collected by another collector ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) so it just seems they closed the file with XXXX collection company to make XXXX  happy and 2 days later they had asked another collector to holler at me. This is harassment at this point to try to collect XXXX debt. 

The court judgement statue of limitations on collection o f it expired XX/XX/XXXX, that's like several years ago, so this debt collector has no shame in trying to collect invalid debt and produces a judgment in the mailed letter that is expired and was never renewed so they know statues of limitations but choose to ignore them. shame on this debt collector nothing but games games games
Consumer complaint received 2018-06-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (NC)

I am being harassed by now a third debt collection agency attempting to collect an invalid debt which the original invoicing company, XXXX XXXX XXXX, has already agreed I do not owe. 

I first received a letter dated XX/XX/XXXX from XXXX XXXX XXXX of XXXX, XXXX indicating I owed {$220.00} to XXXX ( formerly XXXX XXXX XXXX ). I notified this company by phone that I had resolved this issue directly with XXXX and that their active invoices indicate I am completely current with all invoices. I asked that they no longer contact me about this invalid debt. 

I then received a letter dated XX/XX/XXXX from XXXX XXXXXXXX XXXX of XXXX, XXXX indicating that I owe this same amount to XXXX XXXX XXXX. First by phone on XX/XX/XXXX and then online, I requested this company to stop contacting me about this invalid debt and suggested that they talk with their XXXX XXXX contacts. 

I just received a letter dated XX/XX/XXXX from Southwest Credit of XXXX, XXXX asking me to pay the same {$220.00} they say I owe to XXXX XXXX XXXX, indicating that if I do not dispute this debt in writing within 30 days, it will be assumed to be valid. This letter references a Southwest Reference number XXXX. This letter also referenced North Carolina Department of Insurance Permit # XXXX. 

I am asking the assistance of the Federal Trade Commission to put a stop to these debt collection agencies selling this account of invalid debt to other collection agencies and then harassing me about a matter settled in XX/XX/XXXX. 

If appropriate, please include the XXXX Dept of Insurance in your inquiry as I view the behavior of these agencies as unscrupulous and worthy of investigation by state regulators as well.
Consumer complaint received 2022-02-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

I have had the amount of {$19.00} withdrawn by debit card from my BOA account for 6 months, beginning XX/XX/XXXX. Every month, there is a debit card charge to a DIFFERENT COMPANY for the same amount. Most of the names of the businesses have no phone number or contact information. I called this month 's company, only to be told they can not locate me as a customer, although their number is listed on the bank withdrawal/payment. Bank of America does nothing but refund the money and send me a new debit card. They say this is most likely an auto-renewal situation, but are unable to state who the initial debit was made by. How does the fraudulent company receive the new debit card number every month? Who is giving out that information? My legitimate companies contact me every month for a new card number, why doesn't that block the hacker from receiving my information? I can not continue to receive new debit cards every month, having to change all of my banking information with my accounts. 
The names of the fraudulent accounts are as follows : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX and XX/XX/XXXX Supply XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX The last company listed is the only phone number on all of the debit card charges. I spoke to a rep there who stated they have no account under my name, phone number or address. 

Any advice will be appreciated. I have to stop this recurring fraudulent use of my account.
Consumer complaint received 2022-12-02
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (SC)

On XX/XX/ I received an email that a checking account was opened in my name at Bank of America. We dont have any current accounts with this company, but had a car loan with them which was satisfied a couple years ago. I called Bank of America to find out why this account was opened in my name. Apparently someone open the account using my social security number. They were happy to assist me in closing the account, but this is alarming as Im very careful about using my SSN. I have identity theft protection already and it wasnt caught by them. Ive since put a freeze on my SSN through all three credit bureaus. Id like the FTC to find out why this occurred and make sure it isnt one of those bank scams to open accounts at the end of the year like XXXX XXXX did years back. Thank you for your assistance!
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-12-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credence Resource Management, LLC (OH)

This company has bought this debt from another debt collector as it has been sold XXXX  times now because its removed off my credit report as its not my debt. This is a fraudulent account. I have never had any debts with this company or the company it represents. All my accounts are in excellent standing and then right before XXXX when times are tough this company adds an account on to my credit that isnt mine. This is turn had caused me hardships and other credit card companies questioning my ability to pay and also I was turned down for a credit card and refinance on my vehicle. Its caused me sXXXX XXXX and XXXX and I have reported this account as fraud with the credit bureaus. This company never tried to contact me or never sent me a debt validation letter before adding this on to my credit or doing any due diligence to see that this is a fraudulent account. I have made a a complaint with Ohio General attorneys office and I want this removed off my credit immediately as Ill be seeking compensation for damages that is causing me XXXX XXXX XXXX
Consumer complaint received 2018-08-16
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: DISCOVER BANK (IL)

On XX/XX/2018, XXXX XXXX XXXX processed an ACH draft on my credit union account without my permission. I revoked access to process any ACH drafts on my account months ago.
Consumer complaint received 2024-03-04
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I have asked capital one to please not help me after I settle with the payment due to hardship during Covid and I wasnt snow to pay. Theyre not willing to help me
Consumer complaint received 2021-03-10
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CURO Intermediate Holdings (NM)

Looking at my most recent credit report i noticed Ad a Astra recovery services is reporting unverifiable/inaccurate information on my account. according to the type of verification required by Section 809 of the Fair Debt Collection Practices Act.. 

The statute requires that the verification of the identity of the consumer and the amount of the debt be obtained directly from the creditor. Mere itemization of what the debt collector already has does not accomplish this purpose. one of the principal purposes of this Section is to help consumers who have been misidentified by the debt collector or who dispute the amount of the debt. Once again, Mere itemization of what the debt collector already has does not accomplish this purpose. 

Ad astra recovery services have not been able to send me evidence bearing my signature stating that I am legally obligated to pay ad astra recovery services.Ad astra recovery services have not been able to provethat I owed, or was in debt, or ever have been in debt with Ad astra Recovery Services. because of this, Ad Astra Recovery Services must request that all credit reporting agencies delete the entry which they are inaccurately reporting & violating the FCRA & FDCPA law put in place to protect consumers like me from being bullied by debt collectors such as ad astrarecovery services. These false entries by ad astra recovery services are hurting my chances of obtaining credit and need to be deleted immediately.