davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-26
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. (NY)

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am appalled by the ability of the Credit Reporting Agencies to keep ignoring a consumer 's request for the correction of the disputed accounts on my Credit Report. Under the FCRA section 609 and 611, the Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Experian has kept reporting the disputed accounts claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Experian provide me copies of documents bearing my signature to verify the status of the disputed account. If the Credit Bureaus failed to comply with the condition and continuer the reporting of the disputed accounts, please understand I will seek legal action. I need the accounts corrected as soon possible XXXX XXXX XXXXXXXX Date XXXX Balance : $ XXXX Late Date XXXX, XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Dates XXXXXXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/XXXX Balance : $ XXXX Late Date XX/XX/XXXX
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Transunion was supposed to remove bankruptcy from my report as was their last communication to me and the cfpb in XXXX they are in violation of the time to delete the XXXX as it is inaccurate unverified and unauthorized They have not removed it. I tried to dispute it get my credit report and respond to an email they sent me in regards to an investigation and they do not allow me access to my report and they do not let me have access to dispute it. Please refer to complaint XXXX Attached you will find proof with time stamps of what I describe here in violation of the fcra
Consumer complaint received 2020-02-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BC SERVICES, INC. (CO)

I was garnished in a court of law in XXXX, Co from BC Services Inc, XXXX XXXX. XXXX XXXX, XXXX, Co XXXX. I did not receive proper notice of them taking me to court, nor was I notified of the court date. I received notice from my job accounting department that I was being garnished. I did call BC Services , Inc . They were very rude and laughed me to scorn. They would not let me negotiate to pay a lower amount in payments. They took so much out each month I barely had enough money to pay my rent let alone buy food and pay my bills. I used to go to XXXX XXXX hospital for my health care, they have partnered with BC to get paid by whatever means possible. As long as they get paid. I can not afford to go anymore because they are too expenses. Now, BC Services Inc is  threatening me for physical therapy bills that I dispute the validity of. I believe they want to increase the amount of my debt so they can have me garnished again. What are my rights as a citizen to protect myself from these vultures and to get fair payment plans for medical bills? I have one more complaint about BC Services , Inc . They have not sent me my receipt for the aforementioned garnishment of {$3500.00} court-ordered I paid {$3500.00}. So, they were overpaid. When I called BC on the phone the person I spoke to said I owed an additional {$98.00}. She was told to tell me the {$98.00} was waived. The garnishment was filed on XX/XX/19 and was paid off in XXXX or XXXX. Yet. I have not received a receipt and they said they would send me one. What can I do?
Consumer complaint received 2020-02-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

This is My second complaint against this company who has still failed to validate a debt that they are reporting to the credit bureaus. Their reply to my first complaint was that they validated my debt because of an address they sent statements to. That is not a legitimate proof a debt. They also stated a application was done online. 
I am now requesting copies of what they are entailing on their response. I am asking they validate my debt under the FCRA. They are in violation of the law and have not been responsive to me in my request. 
I would like proof that they sent correspondence to that address they have on file and also a copy of an online application. That stated they used Public records I do not have a middle initial to my name. The public records is tied to a person with the same name as me but has a middle initial. This is fraudulent and I demand I proper validation of debt. 
I have proof that the inquiry in my report from capital one was proven to not be me and that was sent to me from Capital one themselves. They are now in violation of the FCRA under section 604 A B and section 809B
Consumer complaint received 2022-01-26
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Santander Consumer USA Holdings Inc. (CO)

I received a marketing email from Chrysler Capital at XXXX on XX/XX/2022. The preview of the email in my inbox on my phone read " XXXX, your preapproval is here! Please log in to view the status of your recent online financing application ''. 

I was immediately worried that my identity had been compromised and that someone had wrongfully submitted an application for credit with Chrysler. I immediately called the number of Chrysler Capital 's website to inquire if an application had been submitted. After spending approximately 20 minutes on hold I spoke with a representative that told me there was not an application of had been received in my name and that the email was simply marketing that in the event that I was looking for financing, I had been preapproved. 

My understanding of XXXX as I am a consumer lender for a financial institution is that deceptive marketing is determined if the following criteria are met : The statement is prominent- I have included a screenshot of the preview of the email in my inbox. It very prominently encourages me to log in to check on the status of my online application. 

The information presented is easy to understand- I believe based on the statement above, a reasonable thinking person would be lead to believe that an application had been submitted in the name of the email recipient. I believe this statement was very easy to understand. 

Is the placement of the information in a place where a consumer would be expected to look?- Yes!!!! Absolutely. Its the first thing I saw when I saw the email preview. 

Is the information in close proximity to the claim it qualifies? - My understanding of this point is rather vague, but if I understand correctly it is a material difference on if an application had been submitted, or not. My strong belief is that a reasonable thinking consumer would infer that an application had been submitted by their statement and this directly contradicts the admission by the representative via the phone call that it was a marketing effort if I needed future financing. 

In conclusion, I believe this has met the criteria of a deceptive marketing practice by Chrysler Capital. There are also aspects of the act that in my opinion also meet criteria of an abusive practice as well.
Consumer complaint received 2020-02-11
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. (CO)

this bill was supposed to be covered by XXXX XXXX, which i presented at the time of my visit. when i called the number for collections through care point she said they submitted to XXXX which i had. At that time it would've been through XXXX XXXX XXXX plan which i presented at the time of the visit. I've tried talking with care point because i don't think they went through my medical insurance but they gave me different numbers to the hospital. and was back and forth between the hospital and XXXX XXXX.
Consumer complaint received 2024-05-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (IA)

Thank you for all your efforts to protect the rights and freedoms we share today, and I appreciate your time to review my concern. on XX/XX/year>, the court granted preliminary approval for federal loan cancellation and refunded payments for class members who applied for the Borrower Defense to Repayment. The class action lawsuit : XXXX XXXX  XXXX, which is involving predatory and fraudulent for-profit colleges such as the one I attended ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now known as XXXX XXXX XXXX XXXX XXXX ) , proves without a doubt that we have absolutely and massively been scammed and ripped off for thousands if not hundreds of thousands of dollars per applicant. It's wonderful news hearing we have received preliminary approval, but we need to also take a look at the private loans borrowers have taken out to attend these scam schools. Many of us have even more debt in private loans than federal loans, and we are still expected to pay it despite overwhelming evidence of fraud, mishandlings, losing payment records, deceit and other criminal activity involving our loans and payments. We need to take action while this issue is in the spotlight, to have these private loans discharged in addition to the federal student loans. Loan balances through companies such as Navient should all be canceled and refunded if those loans are taken out for a university on the list of fraudulent schools from the XXXXXXXX XXXX XXXXXXXX case .
Consumer complaint received 2023-07-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc. (FL)

I tried to make an atm withdraw with my Cashapp debt card yesterday on XXXX/XXXX/23 at XXXX in the amount of XXXX the atm said " request exceeds daily limit on the screen, as well as printed on the receipt, and no money was dispensed. I immediately checked my cashapp account, where i saw that the amount of XXXX was taken from my account. I called cashapp customer support to file a claim, where i was told that the customer support representative could see that it was a fault in the atm, and that my money would be refunded by the end of the day on XX/XX/23. i asked for a case number in case i had to call back in the morning if the funds were not back in my account, to which she gave me a fake case number. no funds were ever deposited back into my account. today, XX/XX/23 i have spoken with three or four other customer service representatives about this matter, all of which had contradicting information to give me. one representative hung up on me, all representatives refused to allow me to speak with a manager. i have done extensive research into the matter to see if this is a common issue, to which i found an overwhelming amount of complaints regarding similar issues.
Consumer complaint received 2020-02-11
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Santander Consumer USA Holdings Inc. (OR)

Formal complaint that is being filed for " Several matters '' in your county within voicemail. 

" XXXX - XXXX XXXX " ref : " XXXX '' is being left as call back. 

Paid debt for Santandair Auto Loan ( sp ) - have paperwork to prove. 

When I have answered the phone from this caller, stated to them it was paid and they said- Caller stated, " Bring it to court with you. '' and hung up. 

Continues to call for a debt that is not owed and is outside of the timelines to collect if it wasn't paid. 

Never has sent a letter. 

Never has offered a form of communication to show the debt has been paid. 

Phone number reports as : XXXX on caller id call back # is listed as : XXXX - XXXX XXXX ( Information Center ) not a debt collector? 

This company needs to be researched and fined.
Consumer complaint received 2022-08-28
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. (CA)

In accordance with the Fair Credit Reporting act child support Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # 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
Consumer complaint received 2022-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc. (AL)

I am a natural living and breathing person ; consumer. I am aware that you are committing fraud and in violation of my federally protected rights by reporting that I owe an alleged debt that I have no knowledge of and hereby REFUSE. Pursuant to the Fair Debt Collection Practices, 15 USC 1692g, I demand documentary evidence that shows I legally owe you an alleged debt.

I am also aware that you are in violation of my rights according to the Fair Credit Reporting Act, 15 USC 1681b ( a ) ( 2 ) to be exact, I do not know who you are and I never gave you the authority to report any items to my consumer report. As well as to the Fair Credit Reporting Act, 1681 ( d ) ( 3 ) ( a ) as medical information is to be excluded from consumer reports.
Consumer complaint received 2022-08-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, PORTFOLIO failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
PORTFOLIO Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXXXXXX XXXX agent, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Consumer complaint received 2022-01-26
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. (OH)

I'm really upset after seeing my credit report and discovering these erroneous and unverifiable accounts, as I have no recollection of any of them. This issue must be resolved as soon as possible. Because you are blatantly ignoring me, I will not wait another 50 days for a response. Section 611 ( a ) expressly states that failure to investigate these things within 30 days is grounds for removing them from my credit report immediately. They should be erased as soon as possible because they have been 60 days.
Consumer complaint received 2024-05-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (CO)

The company put negative remarks on all credit reports for a collection account I do not owe for home owners insurance for a property at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. I never purchased or rented this home. 

I was never aware this was on my credit report for 3 months until I just checked my credit report. 

I found out it was XXXX XXXX XXXX XXXX that hired Credit Collections Services XXXX XXXX XXXX, XXXX, MA XXXX XXXX to collect this debt of {$300.00}. acct number XXXX Claim # XXXX Again I never received paperwork prior to me checking my report. 
I did contact XXXX XXXX and they said they have no file and would not send me paperwork except a form that says account closed in XXXX of XXXX. 
Again I lived in Arizona until XX/XX/year> and had insurance with XXXX XXXX XXXX  for the only home I owned. I did not own a home in Colorado. Please help me resolve this to the point I do not owe this and off all credit reports.
Consumer complaint received 2021-07-24
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: EQUIFAX, INC. (CO)

This account is paid and fully satisfied. The history is over two years old and by federal law if an account is paid and fully satisfied if the history is more Than two years old, it must be removed.
Consumer complaint received 2022-01-26
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: DISCOVER BANK (AL)

To whom it may concern, I am writing to dispute a fraudulent item listed on my credit report. Upon reviewing my credit report to start the process of buying a home with my fianc, I was appalled to learn that an account from Discover Financial Services had been opened in the name of my burgeoning credit history that I did not authorize. I am getting married in XXXX of this year, and I am being penalized for a higher debt-to-income ratio for having this fraudulent item on my credit report. 

This discrepancy is impeding our progress of fulfilling our dreams to buy our first home. 
After reviewing the account, it appears that payments have been made consistently to pay off the balances accrued. However, any payment methods that have been used to pay these balances are not affiliated with my bank account nor institution. In addition, there is a phone number listed on my credit report that does not match my cell phone number with which I conduct business. 

I am requesting that the following item be removed from my credit history to correct the information as the fraudulent charge was not made in good will nor with my authorization and knowledge. The fraudulent item can be found below : Item 1 Account Name DISCOVER FINANCIAL SERVICES Account Number XXXX Account Type Credit card Responsibility Individual Date Opened XX/XX/XXXX Status Open/Never late. 
Status Updated XX/XX/XXXX Balance {$2800.00} Balance Updated XX/XX/XXXX Recent Payment $ 0 Monthly Payment {$83.00} Credit Limit {$5500.00} Highest Balance {$2900.00} Terms NA Please investigate this matter and remove the disputed item as soon as possible.
Consumer complaint received 2022-08-28
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 XXXX XXXX XXXX  Account # 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
Consumer complaint received 2021-09-24
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc. (SC)

Convergent Outsourcing Original Creditor- XXXX XXXX Account address- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , LA, XXXX Collection opened on XX/XX/XXXX Original debt from XXXX I moved from the address associated with the collection account 3 years ago. My phone number changed within that time but not until XXXX. I never received a call from the original creditor stating I owed anything. Received a call last week in regard to this debt from Convergent Outsourcing in the amount of {$180.00} from XXXX XXXX. 

The collector didnt want to identify themselves and I questioned if it was even real since the agent was so reluctant to even identify themselves. 


I updated my address and received no communication in regards to this in XXXX years. 


Once on the phone with the agent I asked what it was in regards to because I had no idea. I simply asked if the CO representative to send me a validation letter so I could review the debt. I called the original creditor to ask if the debt was valid. Although I question the validity of the debt I was happy to settle the debt in full after being notified of it. I told them that I could pay them once they sent a final bill as I never received anything. 

I received a collection on my credit report notice this morning from both the XXXX and XXXX. I wasnt given any time to pay the debt or any real notice in regards to the debt and any documented validity that I even owed the debt in question. I even paid it just because I didnt want it to keep staying on my credit but havent received any notice from either agencies on what I allegedly owed in writing. I had no issue paying the debt I just wanted to receive a validation letter in writing.