davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-09
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (NY)

I am submitting this complaint against Experian for reporting inaccurate information on the listed account below. I believe the bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EXPERIAN to provide me with verifiable proof or documentation demonstrating that the information they have is accurate. Failure to comply with the request should result in the correction of the item. 

XXXX XXXX XXXX
Consumer complaint received 2022-07-08
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (GA)

Dear LVNV Funding LLC Your company must not be aware of the FDCPA, because you have violated my consumer rights. 

Account Number : XXXX In accordance with the FDCPA any violation you commit against a consumer you are liable for {$1000.00} per violation which you have committed. 

Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Also please be aware that any electronic transfer of information is not validation of an alleged debt.

Please cease and desist with contacting me and with any further attempt to collect this alleged debt.

Also Pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX the consumer gave LVNV no consent to share my personal nonpublic information with any third party companies. An in fact XXXX, XXXX and XXXX or third party for-profit companies. An in fact they are in no way associated with, back by, bonded, by any government agency or bureau. You are in violation and this will not be accepted or tolerated in any way by me.
Consumer complaint received 2021-12-29
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

XXXX XXXX XXXX keeps trying to debit my account with Bank of America snd my account is constantly being hit by fraudulent charges that BOA credits and then reverses. They are not in my side and have gouged me financially with multiple overburdening overdraft charges. I called them several times to be met with brick walls what they are doing has to be unlawful
Consumer complaint received 2022-03-09
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (MI)

I worked full time in 2 nonprofit XXXX agencies from XXXX XXXX XX/XX/XXXX. I began paying on my student loans in XX/XX/XXXX. In XX/XX/XXXX, I was experiencing financial hardship due to an unexpected divorce. I contacted XXXX XXXX/navient in an effort to reduce my payment and was informed forbearance was my only option. I was not offered an income based repayment option. 

I began paying again on my loans in XX/XX/XXXX, when I also consolidated to an eligible PSLF loan with an eligible IBR payment plan and have not missed a payment since. Due to being advised to put my loans in forbearance for 5 years, those years are ineligible for PSLF forgiveness. If I had been offered a reduced payment based on my income, those years would have counted.
Consumer complaint received 2018-08-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (AZ)

In approximately XXXX of 2018, I was made aware of a collection account on my credit report. I was obtaining financing for a motor vehicle. The collection account was from XXXX XXXX XXXX for XXXX XXXX. The collection amount was {$1300.00}. I let the collection agency know that I did not have service with XXXX XXXX during the alleged time frame. In fact, I was not even living in an area that offers service from XXXX XXXX. I was living in XXXX XXXX, Arizona, and was taking care of my mother in law, who was terminally ill. I received a packet from XXXX XXXX about the possible ID theft. I have a few issues here : First, I have no idea where the alleged service took place. Therefore it is impossible to file a police report, as one of the first questions asked is : Where did the id theft take place?. The police will only file a report after verifying jurisdiction. Second, this debt is over 6 years old. Therefore in the State of Arizona, it is beyond the statute of limitations. XXXX XXXX is attempting to collect on a debt that is outside of the statute of limitations. I will also forward this complaint to the Attorney XXXX XXXX in the XXXX of Arizona. Third, I have never heard anything about any XXXX XXXX account until it showed on my credit report over 6 years after the fact. Fourth, I did have an issue with a family member using my information years ago. I guess that could be possible, however that family member died in XXXX of this year ( 2018 ). I ask that XXXX XXXX and XXXX XXXX remove this collection account immediately from my credit report.
Consumer complaint received 2022-07-25
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: Experian Information Solutions Inc. (LA)

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. XXXX XXXX Balance : {$400.00} ; XXXX XX/XX/XXXX XXXX XXXX : {$500.00} ; XXXX XXXX {$10000.00} ; XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX ) XXXX Balance : {$2200.00} ; XX/XX/XXXXXXXX ( Original Creditor : XXXX XX/XX/XXXX XXXX XX/XX/XXXX ) XXXX Balance : {$460.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX ( Original Creditor : XXXXXX/XX/XXXX ) XXXX Balance : {$4000.00} ; XXXX XXXX ( Original Creditor : XXXX XX/XX/XXXX) XXXX XXXX : {$750.00} ; XX/XX/XXXXXXXX Balance : {$460.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Consumer complaint received 2019-04-25
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IA)

On XX/XX/2018 a lien against a property was paid in full at closing ; the company holding the lien : Portfolio Recovery Associates, XXXX of XXXX, Va. has not RELEASED or filed a SATISFACTION. Lien is open and still appearing on the property sold. New Owner can not get a mortgage loan to fix the property because of the outstanding lien.
Consumer complaint received 2019-01-09
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I am just amazed that 3 credit bureaus all at once managed to do the opposite of what I requested. I asked for an investigation of items on my reports, none were done. I requested no fraud alerts, fraud alerts were added without my permission ... Can someone tell me why after providing the enclosed required documents to identify myself, the credit bureaus claim not to receive it ...? Why no investigations have been started after more than 30 days. This is a blatant violation of FCRA regulation ...
Consumer complaint received 2019-01-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: F&M Capital LLC (MI)

I received a phone call on Tuesday from F & M capital stating that I owe a past due amount to XXXX  University in XX/XX/2014. They stated XXXX XXXX paid for my tuition and I had to pay either a lump sum of {$3500.00} or the Full amount {$5100.00} in monthly payments. I wasn't comfortable giving them my information. They sent me a enrollment form to my email, However the address and zip code didn't match. They called me from 3 different numbers. ( XXXX  ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX. XXXX   called me this morning stating that he is from XXXX and that he would summons me in 48 hours. ( XXXX ) XXXX.
Consumer complaint received 2019-04-25
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: Experian Information Solutions Inc. (TX)

Experian I contacted XXXX in house recovery and they said in a recorded phone conversation they have no way of showing how this alleged account was paid only that it states paid I requested that they give me a copy of the document from the bank to show evidence they stated they have none and put me in contact with fraud department who also could not show any type of proof it was paid or how { no documentationof fact }, they stated in the recorded phone that they do not keep any records of transactions just report paid that is not validation { hearsay } remove this fraudulent account or you Experian show the show the transaction to and from back that they clearly can not show, again this is reaging of a alleged contract I even when as far as to talk to a supervisor who had no documentation of fact just that it stated paid. by them recording I can use it in a court of law if needed to. but you are reporting false information that can not be validated with documentation I NEVER PAID ANYTHING TO XXXX AND THIS IS OVER & 7 1/2 years old its time to put up the documents i requested from bank transaction showing payment and name or remove this account you are validating with no evidence FCRA,
Consumer complaint received 2018-08-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MN)

In XXXX of XXXX my loans were transferred to XXXX XXXX XXXX ( PHEAA ) from XXXX as I had completed employment verification forms that would qualify me for Public Service Loan Forgiveness. I have had my loans in consolidation since XXXX and have been paying regular monthly payments on an income based plan. 

Since being transferred to PHEAA, they have not calculated correctly for how many monthly payments I have made and currently state I have made 23 qualifying payments. By my calculations, I should have 100+ qualifying payments. I have contacted them many times since XXXX and was first told that it would take 30 days to go through old records and review my previous payments with other lenders while I was on income based repayment plans. I was then told it would take 90 days. I was then told it would take 90 business days. I was then told it would take 6 months. It has now been 8 months and they have still not calculated the payments. I requested records of all the payments I have made for my personal records. They stated they did not have those records. I called XXXX and XXXX XXXX, my previous servicing entities, and was informed they do not have the records and they were all forwarded to PHEAA. I have requested my case be escalated to a supervisor and I made a complaint with the obudsman, with no response. 

Multiple times when interacting with XXXX  XXXX XXXXPHEAA I have had customer service representatives give me differing information, refuse to answer my questions, refuse to transfer me to a supervisor, and hang up on me.
Consumer complaint received 2019-03-30
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. (TX)

In XXXX my wallet was stolen. It contained my credit cards, debit cards Drivers License and Social Security Card. I canceled the credit cards, got a new drivers license and social security card. Upon reviewing my credit reports, someone has been applying for credit cards several times in my name creating fraudulent inquiries. Luckily, it looks as though only 1 account was opened in which the bank immediately closed and the credit angenies took off of my credit report. However, all of these fraudulent inquiries remain. I have taken all the necssary steps including sending a dispute to the credit reporting agencies ( all 3 ) by certified ( Priority Mail ), filing a police report with the XXXX Police Department, that should be at the agencies no later that XX/XX/XXXX.
Consumer complaint received 2022-03-09
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. (NV)

My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation (CA)

In XXXX, 2021 I reported my credit card as stolen to the credit card issuer ASPIRE. My card, along with my wallet and identity were stolen and I filed a police report describing what had happened. Since then Im mid XXXX I received an alert from my credit reporting agency XXXX stating that I was past due on payment and when I looked into it I saw that this credit card that only had {$1000.00} limit had been charged and used for almost {$15000.00} in debt. Upon looking into this further the credit card was paid with other peoples accounts. I have since called ASPIRE and told them what happened. I had filed an affidavit with them as well as updated and made a new police report describing fully what happened. They closed the fraudulent account, opened a new account and sent me a new card.. however on my credit report they have updated the account as a charge off which means that I still am liable for this debt and am required to pay a big sum of money for something that was fraudulent and not me. This is ridiculous. Ive done all the necessary parts on my end in reporting this and documenting and sending what I have from the police. Ive filed identity theft months before this happened and I have not even close to this kind of money to pay a debt not mine. I want this account to be removed from my life and taken off my credit.
Consumer complaint received 2022-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (NJ)

My mom died in XXXX. Unknowingly, I paid her Chase bill twice- once over the phone and weeks later with a check when the bill arrived in the mail. More than a month after that I realized Chase owes me {$920.00}. 

Chase told me I should write to them and include a copy of a cancelled check. I would then receive a check paid to my mom 's estate. Alternatively, I can wait 30 to 60 days for a refund. Neither option is satisfactory. 

I don't have a cancelled check since banks no longer return checks ; furthermore, the money came out of my personal checking account which has nothing to do with my mom 's estate. ( I sent them a check from MY account. ) Since I can't provide the first requirements, it's inappropriate that I should have to wait one to two months to get my money back. There is no question that Chase owes me {$920.00}
Consumer complaint received 2022-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I bought a car from capital one, the car is paid off I HAVE THE TITLE, no liens no issues with it the car is mines since they sent me my title and they are inaccurately reporting it as delinquent, I have proof of the vehicle being mines. I also have filed an FTC report because this is holding me back when I go to dealerships they see that the car is mines but its reporting inaccurately. I want this fixed and handled and behind me i have been going back and fourth for the last 2 years about a car I own. If i didn't own the vehicle or if it was bad debt, why do I have the title signed from capital one to me?? I dont know what is going on there end but it has nothing to do with me, I am debt free with them and I want my report to show that or to completely delete the account.
Consumer complaint received 2021-03-05
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC. (VA)

I've called NAVIENT, and soon after I ask a question, the customer service representative hung up on me. -- I recognize your agency does not care about this, but I do. Since I feel NAVIENT is already not addressing my needs, having its customer service agent hang up on me adds insult to injury.
Consumer complaint received 2020-06-04
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (NJ)

On Thursday XX/XX/2020 I mailed a letter to Equifax Information Services LLC to remove the errors on my XXXX XXXX XXXX XXXX  account. 

I informed Equifax that my XXXX XXXX XXXX XXXX  account is incorrectly showing 33 missed payments. I also informed Equifax that my account is not past due and there are no missed payment on this account. 

I further requested that Equifax correct and update the account to show current and 100 % on time payments and removed all missed payments from the account. 

It has been more than 45 days and Equifax has not responded to my complaint nor removed the erroneous information within the 30 days notice as required by Federal laws.
Consumer complaint received 2022-07-25
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am frustrated to see my Credit Report with no changes with the items I am disputing. I have been sending dispute letter to the Credit Bureaus asking favor that they remove the fraudulent item from my Credit Report since these items are completely unknown to me. I was a victim of identity theft and this is the letter I sent on XX/XX/XXXX was already my XXXX  request to remove the information in my credit file resulting from the identity theft. I have read that under the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit reporting agencies are required to remove any accounts and information not later than XXXX business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that some Credit Bureau provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. I need the following items removed from my Credit Report now : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX