davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-04-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (FL)

I have been receiving credit statements from an entity associated with XXXX XXXX for months and have spoken to many reps from both parties in regards to the past debt which was taken care of back in XX/XX/2017. XXXX shows the debt being settled while this credit company continues to pursue the old account. I have been in contact with a XXXX XXXX and a few others at XXXX who all have pulled my accounts and have stated the debt was settled by my mother in XX/XX/2017. I was involved in a bad XXXX XXXX accident and was in the hospital for 2 weeks and upon being discharged and sent home my services were suspended and she made the call to settle what was owed and also to have new service activated. XXXX has stated my services wouldnt be active right now today if I owed with them or had a current account outstanding. I have records I will provide to show the amounts paid off on two separate charges to my mothers XXXX XXXX card account. As well as documentation from the credit collector harassing me. This has dropped my credit score while Im in the process of bringing it up to purchase a home. I need this resolved once and for all as soon as possible. Ive been told from XXXX XXXX that they can not get it together and have outsourced many departments including billing to companies who do not stick around long but continue to pursue accounts on their behalf no longer in contract with them. Please help as XXXX has claimed it is settled but this Credit Protection Assoc is continuing to harass me.
Consumer complaint received 2022-06-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

I had a Covid forbearance with XXXX XXXX XXXXXXXX XXXX. They offered me a refinance deal in fall of XXXX and due to the fact that I was out of town I did not see it in time. That offer made my mortgage payment approximately XXXX a month. When I called in about it they told me it was too late and they would send me a new offer they sent me a new offer with the longer-term there was {$960.00} a month I accepted this signed the paperwork went through the three month process to get it set up and was preparing to start paying for it. When I looked on my XXXX XXXX XXXX  account I saw that my payment was not {$960.00} a month but XXXX something so I contacted them and went through all kinds of hoops with people on the phone and somebody was going to research it and get it back to me which no one ever did. I never signed any paperwork for the loan that had a payment of {$1400.00} a month because they said that offer had expired. The paperwork that I signed and have a copy of is for {$960.00} a month. When I went to make the payment I got a notice from right path services some other mortgage servicing company that I dont know anything about and Im wondering if theyre connected with XXXX  and theyre trying to say that I owe them the {$1400.00} a month payment. When I was talking to XXXX XXXX XXXX I told her that I was very concerned that this was some kind of bait and switch they assured me it was not a bait and switch and they would get it resolved which they never did so now I am supposed to be going with XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX. Unfortunately when I went to set up my online account with them I see that theyre trying to collect the XXXX a month payment which is not anything that I ever signed. I am quite concerned that this is some kind of bait and switch thing I have had nothing but trouble with XXXX XXXX and their XXXX company that they were with before them. I am beginning to think this is some kind of scam bait and switch something bizarre and I need some help thank you for any assistance. XXXX XXXX XXXX am beginning to think this is some kind of scam bait and switch something bizarre and I need some help thank you for any assistance. XXXX XXXX XXXX email. XXXX. The address this property is on is XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX my phone number is XXXX please let me know what I need to do to address these in XXXX XXXX providers that I believe are trying to scam me. Thank you XXXX XXXX
Consumer complaint received 2021-11-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

The company PORTFOLIO RECOVERY at XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX has reported an account that's past due in the amount of {$1200.00} on my consumer report. I do not know this company, I have never done business with this company and have never had a signed contract with them.
Consumer complaint received 2019-03-20
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. (AZ)

I feel I have been a victim Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.
Consumer complaint received 2020-12-12
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. (NY)

I am a Identity theft victim. This is the worst thing that has happened to me. I've had perfect credit for years. There are two accounts that were opened fraudulently on my credit profile. I request that they be removed immediately! I have uploaded my Identity theft report, the description of the items and my other supporting documents!
Consumer complaint received 2019-03-21
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

Hello, I wanted to use my Best Buy credit card on XX/XX/2018 at the Best Buy in XXXX, NY when purchasing a television as I was told I would received a certain discount. However, when I tried to use it they said it had already expired and I need to renew the card. I agreed and for this they called a girl who gave me a form to fill. I did that, and they said that this would be a new card so I would get a 10 % discount. I was more than happy. I had to wait for about an hour to receive approval after which they charged the television on that account. I had that delivered to my house later that week and have payed off the amount. But, in XX/XX/XXXX when I went to make the remaining payment I noticed I was charged for something I did not purchase and it was done in XXXX, NY. I have not purchased it and it was definitely not me as I did not even have the credit card in my possession. I did not receive the card. I called the customer service but they were not helpful. I went to the store in XXXX and spoke with a representative there, letting them know that if someone were to purchase such a big amount, they should have checked the identification for confirmation. The amount I was charged for was {$3000.00}, and the bill i received recently has an additional charge of {$1200.00}. The rep said they would investigate the charges, and I would receive a new credit card later which I did. But after all this time, I just received a letter saying they have completed the investigation and I am responsible for the amount due! 
I fail to understand why I should be paying for something I never purchased. Did the cashier check to see if the credit card was mine? I did not even receive the card when the purchase was made. Please let me know how I can go about this. I am unemployed, and have no reason to purchase something I can not afford. These purchases were not made by me and I have let the company know but they still hold me responsible for the charges. Please help. Thank you.
Consumer complaint received 2021-11-21
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 started asking for reinvestigation on accounts in XX/XX/XXXX and I received a letter on XX/XX/XXXX that XXXX of the accounts that I told was not my accounts was deleted. I spoke with a consumer law professor and he told me to send it again and i did but nothing changed. I have been reporting these same accounts since XXXX and it is now XX/XX/XXXX and they are still reporting the accounts. I also filed an identity theft report with the FTC and also sent the XXXX a signed FTC report which was notarized and mailed first class mail, certified return receipt. The company then sent me a letter saying that I need a police report but XXXX XXXX ( A ) states provide FTC Identity XXXX Report, Identification, and confirmation from the consumer that said accounts resulted from identity theft and that one doesn't assume or accept responsibility. So now it's clear that they are continuously violating my consumer rights. In XXXX they sent a letter that said that they would not reinvestigate the alleged accounts again for me after they still have not sent me a copy of the information used to verify me The Consumer, natural breathing person, and Original Creditor. That alone makes no sense, being that they need to talk to me to verify any credit that I granted as the Original Credit. They are not abiding by the laws that are hear to protect me, the consumer
Consumer complaint received 2019-03-21
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (AZ)

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, XXXX XXXX XXXX is engaging in said violations of latter federal statutes. XXXX XXXX XXXX  did not provide within 30 days of their notice of alleged debts that alleged occurred on XX/XX/2016. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX XXXX. Thus I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.
Consumer complaint received 2018-08-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NV)

On XX/XX/2018 I was approved for a XXXX Discharge off my student loans with NelNet who also handles the discharge. I was sent a letter stating my loans would be reported to all three credit bureas XXXX XXXX, and XXXX that my student loan with NelNet would be reported closed paid in full XXXX balance. After about a month I notice On my credit report that over 30 different student loans were added to XXXX and XXXX reports, with different reporting as, transfered closed defered ect. I reach out to NelNet and, told them they are double reporting accounts on my credit report. XXXX and XXXX these are the same company not different. So now on my credit report I have double accounts see below XXXX this account is listed twice on my report with XXXX and XXXX XXXX XXXX this account is listed twice on my report with XXXX and XXXX XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX XXXX this account is listed twice on my credit report with XXXX  and XXXX XXXX this account is listed twice on my credit report with transunion and XXXX XXXX this account is listed twice on my credit report with XXXX and XXXX. 
XXXX XXXX XXXX XXXX These errors are effecting me, all should have been reported as, closed and paid, and there should not be double up of accounts to make it look like I had 26 plus 19 loans. I am upset because XXXX/NELNET and XXXX are in the same office, it is not a different lender, or serivcer that is handling my loans. When reporting to someones credit it is not even legal with FCRA to double report the same accounts. It should be one account number. I had 19 loans and over 42 loans are showing up with NelNet. Pplease fix like you said you would in XXXX I have attached the letter.
Consumer complaint received 2019-03-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TN)

Capital One was in full on XX/XX/2019 in the amount of XXXX and my balance was {$0.00} and they are reporting on my credit report that I still have a balance. I called and spoke with a representative by name of XXXX and also a supervisor by name of XXXX on XX/XX/2019 and she stated that I had a balance of {$6.00} and I was aware of this because I used the card a few days ago, but they still not reporting the correct amount to the credit bureau just would like for my report to updated to reflect what I owe.
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

Mailed letters on XX/XX/year> to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2022-06-13
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: Experian Information Solutions Inc. (FL)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX  ( originator XXXX ) Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX ( originator 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. Also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2019-03-21
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: EQUIFAX, INC. (FL)

The last XXXX hard inquiries are Unauthorized Credit Inquiry Identity theft Police Report # XXXX Last attempt before lawsuit. 

Dear Sir / Madam I recently obtained a copy of my credit report from Equifax, XXXX, andXXXX. It indicated that XXXX credit inquiry was made! 
However, these inquiries were not authorized and I was victim of Identity Theft Therefore, I am writing to dispute the last XXXX inquiries and have it removed from my credit report IMMEDIATELY, the police department has done the investigation. 

Please have these inquiries removed from my credit report. 

Please forward any documentation that you may have in regards to the removal of these credit inquiries. 



Thank you for your prompt assistance. 

Sincerely, XXXX XXXX
Consumer complaint received 2018-04-20
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (AL)

Khol 's has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting  bureaus.
Consumer complaint received 2018-04-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (GA)

Company is attempting to collect a debt for {$1500.00}. 
I mailed a request to company requesting debt verification, they responded on XX/XX/XXXX with a summary of charges and billing statement. On XX/XX/XXXX, I mailed a 2nd certified letter requesting legitimate debt verification documents including signed contracts to prove the debt is mine. The letter was deliver on XX/XX/XXXX, XXXX. The company has not responded to my 2nd request therefor waiving their rights to collect on this debt as stated in the letter I mailed.
Consumer complaint received 2022-06-13
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: WELLS FARGO & COMPANY (TX)

In Accordance with the fair credit reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission. I have NOT given that authority to XXXX XXXX.

15 USC 1666 ( B ) : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Consumer complaint received 2020-12-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

I have recently filed an identity theft report with XXXX XXXX XXXX For a credit card that was obtained with my personal information that I never applied for. I have submitted documentation to XXXX  and they have taken this debt off my credit report. XXXX XXXX XXXX  sold this debt to Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Midland Credit Management calls me continuously throughout the day. This company needs to cease and desist their harassment trying to collect a debt that I do not owe is against the law.
Consumer complaint received 2023-03-17
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)

to whom it may concern, i recently sent out letters in regard to inaccuracies on my credit report and yet to receive any indication that an investigation has been open or is being investigated. please see attached letters and consider this my initial dispute.
Consumer complaint received 2022-07-21
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. (CA)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX DEPT OF ED/XXXX XXXX Balance Owed : {$0.00} ; DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} DEPT OF ED/XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the items 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 swiftly.
Consumer complaint received 2022-07-21
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)

This is my fifth try to inform you that I am a victim of identity theft and I complain to question particular items in my document discovered because of some inattention. The record I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authority. Assuming no one cares either way, impede the noteworthy of any information in my credit file that appeared due to alleged fraud : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX ; XXXX XXXX XXXX Balance : {$260.00} ; XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00}