davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADIR INTERNATIONAL LLC (CA)

CURACAO Last reported XX/XX/2020 {$860.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings (CA)

Speedy Cash XXXX XXXX XXXX XXXX {$300.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2016-07-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Real Time Group, Inc. (NV)

The XXXX XXXX XXXX and Real Time Resolutions are involved in a debt collection activity focused on second mortgages. According to the DOJ and XXXX XXXX XXXX XXXX in 2014, XXXX XXXX XXXX is supposed to modify or forgive theses loans. Instead the XXXX XXXX XXXX who still owns these loans is using Real Time to collect on these loans by claiming Real Time is a sub-servicer, when in fact the XXXX XXXX XXXX sets all the pay-off demands regardless of the consumer 's ability to pay-off the XXXX mortgages. Most of these XXXX mortgages are HELOC loan with extremely high interest rates sold through XXXX just before the national mortgage meltdown. It appears the American homeowner is about to have a second chance to lose their homes through the faulty lending practices of the XXXX XXXX XXXX. Please investigate the activities of Real Time and the XXXX XXXX XXXX because they are taking advantage of homeowners all across America.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (CA)

XXXX XXXX Ad Astra Recovery Services {$300.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had XXXX some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ADIR INTERNATIONAL LLC (CA)

CURACAO XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX USA ( XXXX ) XXXX {$0.00} This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc. (CA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX USA ( XXXX ) XXXX {$0.00} This is a formal notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (VA)

Hello I have a Collections company named Ability Recovery Service on my XXXX & XXXX   XXXX reports. I disputed this account on XX/XX/XXXX, sent a certified letter with a Debt Validation Request on XX/XX/XXXX, the letter was delivered to the companies post office subs the address is a PO Box XXXX On XX/XX/XXXX. The company claims I owe this debt but I know I dont because I never heard of the original creditor XXXX XXXX. The collections company keeps actively flagging my credit report for collections from XX/XX/XXXX - XX/XX/XXXX. After the opening a complaint with Ability Recovery Services local XXXX. They Ability Recovery first stated that the client XXXX XXXX recalled the account on XX/XX/XXXX. However I have proof the account remained on my credit report after. Since they flagged my report in XXXX, Ability Recovery Service then responded that same again except they added their client XXXX XXXX sent the debt back to them in which they placed it back on my report on XX/XX/XXXX. Now I must be missing something or can Ability Recovery Service explain. If the debt was removed on XX/XX/XXXX and placed it back on my report on XX/XX/XXXX, how could I have disputed it on XX/XX/XXXX, mailed a letter on XX/XX/XXXX and the letter arrived at their post office on XX/XX/XXXX? They also tried to same that the account # on the report was new from XX/XX/XXXX but if you look at the pictures in include the account number goes back to XXXX. Also if I actually owe this debt to XXXX XXXX why did XXXX XXXX recall it. Why is Ability Recovery Service lying so much about the account? Why? Ill tell you why because I dont owe the debt I never heard of XXXX XXXX or Ability Recovery Service until the day XXXX checked my XXXX & XXXX   XXXX reports.
Consumer complaint received 2020-02-20
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. (MI)

There is an XXXX XXXX account showing in collections on my credit report. The account has a {$0.00} balance. When I call XXXX XXXX they have no record of an account in my name or under my SS number. I want this taken off my credit report.
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LOBEL FINANCIAL CORPORATION (CA)

My name is XXXX XXXX XXXX I paid the Lobel Financial of {$8300.00} last XX/XX/2018 as to settlement on this agreed amount for the debt I owe them. 
Yesterday I obtain my credit report thru XXXX and came out the result that Lobel Financial didn't updates my status to the credit bureau. When I called them the person on the legal department was very rude to me over the phone because I insist to him that it should be cleared and therefore I request to him for an immediate action but instead he replied investigation should be proceed first and it takes 60 days. 
This is not fair I told him then I said I will complain to the CFPB then he replied you can complain as much I want. 
Please help me. I will attached my Financial Refinance Statement that I settled from the XXXX XXXX XXXX  along with the Recent Credit report from XXXX. 

Sincerely yours, XXXX XXXX XXXX
Consumer complaint received 2020-02-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: AMERICAN EXPRESS COMPANY (CA)

A representative of American Express Legal Department has been calling me in reference to a case, to pressure me to pay the balance owed by a business LLC. The last time this same representative called me was today, XX/XX/2020 from number XXXX at XXXX pacific time. This specific representative is using communication that I find to be harassing in nature, as he repeatedly asked about my husband 's financial assistance to this matter ( my husband is not connected with this account ) and also repeatedly asked about the financial amount I may or may not receive jointly in a tax return from the government. Actually, the first person who ever mentioned me using a tax return to settle this balance was this AMEX representative. I specifically told him that I do not have the lump sum payment for this settlement and that this money ( tax return ) was not only mine to take ( if received at all ). I actually told him that specifically during a previous phone call. I also do not appreciate him asking about my husband 's contribution to paying this debt. While I may have mentioned in a previous call that I was not earning income at the time and my husband was helping me financially, I never brought my spouse up during this phone call today, and I do not appreciate this rep. badgering me about my husband 's assistance and whether or not he could help me. 

Lastly this representative had a very loud tone, one that talked over me, and intimidated me. He even said that the only reason I was able to get an accepted settlement offer for a a different AMEX card balance ( owed by another LLC I operated ), is because the judge ordered me to pay it. This is false information. I never received a judgement from the court for any debt. I also never spoke with a judge specifically regarding any legal requirement ( of myself or LLC ) to pay that balance. I made that financial settlement out of good faith with the attorney representing that case, peacefully, out of court and through email. 

This AMEX legal rep. is abusing his power, and using intimidation and harassment to force me to agree to terms that I can not financially commit to. Of course my natural reaction has been anger, and I yelled back on the phone this last time. However, it was initiated by him and I do not appreciate my husband name, or our joint tax return, being utilized in a harassing manor.
Consumer complaint received 2021-06-15
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 Adjusters, LLC (AL)

Upon review of my credit report, I noticed accounts that were not valid, these accounts were not opened by me. I have disputed these accounts on all three credit bureaus, as well as with the creditor. I am providing information on these disputes. I am demanding these accounts be blocked from my credit report, due to the fact that they are not valid and/or they are not caused by me. I have filed police reports as well as made countless attempts to reach the creditors, the matter has yet to be resolved.
Consumer complaint received 2020-02-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP (TX)

On XX/XX/2019, I borrowed {$300.00} from a company called Power Finance Texas. I expected my payments to be a small monthly loan amount, as they told me my payments would be roughly {$67.00} a month. Shortly after making my first payment, I was then bamboozled with the information that I had to pay an additional {$200.00} and something dollars a month for my loan for a number of months. According to their documents, I would have to pay them a total of over {$1000.00} for this meager {$300.00} loan. Looking at the more than 700 % interest or APR, I feel this is predatory lending at it's worst. I also used my sister and her husband, who is retired military, as references.
Consumer complaint received 2020-02-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: R.M. Galicia, Inc. (CA)

Progressive Management XXXX XXXX XXXX XXXX {$980.00} This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX  and XXXX  ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2021-02-17
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: DISCOVER BANK (OH)

On XXXX XXXXXXXX XXXX, DISCOVER BANK add a hard inquiry on my credit reports. 

But company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Consumer complaint received 2016-11-01
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST NATIONAL BANK OF PENNSYLVANIA (PA)

Good Morning, I have been working with FIRST NATIONAL BANK company employee named XXXX XXXX details are below. First i got introduced through the listing agent of the house XXXX XXXX, Since we liked the house, i went to my bank XXXX. 

They denied my application stating that if am a self employed or having my XXXX less than 2 years i wont qualify as per XXXX XXXX guidelines. 

XXXX XXXX NMLS # XXXX Mortgage Loan Officer XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX Cell XXXX Fax XXXXXXXXXXXX I told XXXX the samething about my employment status, He asked me to provide all documents despite of my situation and i gave all possible documents back in first week of XXXX, he took nearly 20 days long and denied my application again he asked my profit/loss summary from my company asked my CPA to produce documents, which she provided. Again he told me my application is denied. Again he told me if i were a XXXX and worked for the current client, he would make it possible, again he came back to me asked me to Dissolve my XXXX and get a letter from my CPA. my CPA again wrote second letter and again he comes back and says my application is denied after 45 days of drama. My question is when i told my current situation of my employment, he should have told me right on my face its not possible. 

He and the realtor are good friends, they were trying to get my initial deposit XXXX and again asking me to give another XXXX made me to fall on me on this messy trap. During the initial he asked me to do inspection and he took money for my credit application and appraisal. Why did he do all this, when there is a well laid plan by XXXX guidelines. During this entire process i worked with several lenders, the all denied in same day, XXXX, XXXX and XXXX as well. Because of your careless staff, the sellers are threatening me saying they wont give me XXXX dollars back, below expenses occurred due to your inefficient staff. To summarize. 

1 ) Several hours loss of pay from my work. - not counted yet 2 ) Paid for inspection - XXXX XXXX ) Paid for Appraisal - XXXX XXXX ) Given Lease breakage XXXX XXXX ) Given XXXX Deposit for escrow - XXXX XXXX ) Paid CPA to write letters for doing work during weekend several times This whole process had created a mental trauma for me and my family, also we had give a notice to vacate our current place. 

Please advise i want to handle this professional way, so that you or your bank does not get any name-fame issues. After all this he is forwarding my information to another lender.. ITS Total loss for me and my family. 

Regards, XXXX XXXX
Consumer complaint received 2020-02-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

There is an XXXX XXXX account showing in collections on my credit report. The account has a {$0.00} balance. When I call XXXX XXXX they have no record of an account in my name or under my SS number. I want this taken off my credit report.
Consumer complaint received 2020-02-20
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. (AR)

I was informed by my banker that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report. 

XXXX XXXX {$480.00} XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX {$860.00} XXXX  XXXX {$57.00} XXXX XXXX {$2000.00}
Consumer complaint received 2020-02-20
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. (IN)

XXXX  XXXX XXXX was reporting a balance of {$270.00} of {$300.00} limit causing a credit rating decline. I paid this account off in full XX/XX/2020 as shown by XXXX XXXX. Transunion still to this day shows a balance of {$270.00} of {$300.00} that is dropping my rating every month several points. XXXX XXXX claims to be reporting it as XXXX balance, but Transunion still will not correct it claiming {$270.00} of {$300.00} is a correct balance when I disputed it 3 times dating XX/XX/2020, XX/XX/2020, and XX/XX/2020. I want this corrected ASAP.
Consumer complaint received 2024-02-12
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 I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2020-02-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (CA)

Creditor Information XXXX XXXX XXXX {$570.00} XX/XX/2017 I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX   and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Consumer complaint received 2020-02-20
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. (AR)

I pulled my credit for the time in 8 years and I have many derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX XXXX {$350.00} XXXX  XXXX XXXX {$370.00} XXXX XXXX XXXX {$100.00} XXXX XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$330.00} XXXX   XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$3300.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$76.00} US DEPT ED XXXX {$6900.00} DPT ED/XXXX XXXX {$6000.00} DPT ED/XXXX XXXX {$3500.00} DPT ED/ XXXX XXXX {$1700.00} DPT ED/XXXX XXXX {$0.00}