davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-31
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

I request Credit Acceptance to update my account to correctly show that it is a closed account with the terms removed as it is showing I am obligated to pay {$380.00} a month. This account is closed and in collections. I purchased this vehicle in XX/XX/XXXX. I voluntary surrender this vehicle in XX/XX/XXXX. It is showing on my credit report as a closed account with remarks affected by natural disaster as to why I voluntarily surrendered it, and instead of the company removing the terms after reselling it ( which I never recieved the resale information ) this company is reporting monthly on this closed collection account as if I am making monthly payments and that I am not but it shows 67 % debt to income ratio. I have not made a payment nor am I going to. I contacted the lender for them to correct this as its reporting in accurately every single month. This creditor will not assist or correct it and I have contacted my State Attorney General as well.
Consumer complaint received 2019-01-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Helvey & Associates, Inc., Warsaw, IN Branch (NC)

XXXX XXXX has reported that the account was not paid ... the time they are charging me I have already moved out of the rental house and they are charging me as if I was living on XXXX XXXX XXXX   nc XXXX
Consumer complaint received 2019-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2018-12-31
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Unifin Inc. (GA)

On XX/XX/XXXX at XXXX XXXX  EST, I received a call from a company called Unifan ( sp ) claiming they called on behalf of XXXX XXXX in regards to a debt that they obtained from XXXX XXXX XXXX. I informed the gentlemen that I had not received any communication from either his company nor XXXX XXXX and that I was formally requesting information regarding this alleged debt from them. I had not received any communication from either company prior to that date and I requested validation of the account via the phone. The guy refused to provide me with information regarding this debt via the mail and kept saying, " we will email you '' and " this is already in collection '' and " we don't use mail ''. I have a legal right to request communication regarding alleged debts to be mailed to me via the United States Postal Services, and this company refused my right to this request. When I informed him that I was recording the call ( Georiga is a one-party consent state where I can give consent to record a call without prior notice ) he hung up on me. This is a direct violation of my right to request information in writing from a debt collector on an alleged debt. 

XXXX XXXX is now reporting this debt on my credit report, and the company they hired to collect this debt violated my rights. This account must be removed due to a violation of my consumer protection rights. 

I have an audio recording of this phone call, as does Unifin since they record all calls, so there is audio proof of this company 's refusal to honor my rights as a consumer.
Consumer complaint received 2023-03-31
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)

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX XXXXXXXX XXXX Date opened : XXXXXXXX XXXX XXXX  Balance : - XXXX XXXX XXXXXXXX XXXX Date opened : XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/2022 Balance : - ; XXXX  XXXX XXXX Date opened : XX/XX/2022 Balance : -.
Consumer complaint received 2019-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: First National Collection Bureau, Inc. (MA)

Letter dated XX/XX/2018. Amount is {$2300.00} from a closed account. They keep pestering me to pay with letters. The letter doesn't match up with credit report so it has been difficult to determine accuracy of this. Or even if this info is up-to-date.
Consumer complaint received 2023-03-31
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 filing a complaint about the credit bureau 's handling of my identity theft complaint, which I filed on XX/XX/2023. Despite repeated attempts to follow up on the status of my case, I have yet to receive any meaningful response or action from your organization. I expected the credit bureau to take swift and decisive action to rectify the situation and protect my credit score. However, the lack of progress on my case has left me feeling so depressed about the potential long-term consequences. I have already contacted the other agencies and creditors about this matter and it is now being investigated.
Consumer complaint received 2019-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2019-01-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Thaxton Investment Corporation (TX)

Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
Consumer complaint received 2023-03-31
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. (TX)

I am filing a complaint about the credit bureau 's handling of my identity theft complaint, which I filed on XX/XX/2023. Despite repeated attempts to follow up on the status of my case, I have yet to receive any meaningful response or action from your organization. I expected the credit bureau to take swift and decisive action to rectify the situation and protect my credit score. However, the lack of progress on my case has left me feeling so depressed about the potential long-term consequences. I have already contacted the other agencies and creditors about this matter and it is now being investigated.
Consumer complaint received 2019-01-07
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

My loan is with SPS Select Portfolio Servicing. I was sent two separate XXXX  Cancellation debt one for XX/XX/XXXX of in the amount of {$91000.00} and one for XX/XX/XXXX for the amount of {$76000.00}. I have file both XXXX on my taxes. Both years have been adjusted on my taxes. Both amounts have been added back into the loan. Which has increased the of my loan to {$380000.00}. I was informed from several agencies that those amounts should not be added back into the loan because these amounts have been sent to the IRS as a forgiven debt. Which means they have said they can not collect the debt. So why are the added back into the loan. The explanation The servers is say is that because the loan modification was not completed. The amounts have been added back into the loan. So they get the tax break from the IRS and still get to add it back into the loan. 

I have been trying to get help to get help with my loan and I don't qualify because of the amount stated on my statements. 

I need help getting this corrected so I can get my mortgage back on track.
Consumer complaint received 2018-08-24
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report had been filed : XXXX County Police Department # XXXX. 
As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I am a litigious consumer and fully intent to enforce my rights, you should now that law provide monetary relive of {$1000.00} per item, if you continue listing these items illegally this complaint will serve a proof in a court of law. 
I'm reporting this as an effort to clear my name.
Consumer complaint received 2018-12-31
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. (GA)

XXXX # XXXX {$530.00} & XXXX XXXX # XXXX {$720.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim ... accounts were settled with original creditors ( Debts can not be collected twice ) ... grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow Please validate this information and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Consumer complaint received 2023-06-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (CA)

Experian is showing that I still owe a debt to XXXX XXXXXXXX XXXX XXXX, that is incorrect. I did a balance transfer from my XXXX card to pay the total amount of my debt to XXXX XXXXXXXX XXXX on XX/XX/23 and I have an email and documents attached to prove it. Experian has not updated this information and it has caused an increase of 7 % on my credit usage by adding the debt I owed and the balance transfer to XXXX card showing I owe total of {$10000.00} and that is incorrect. 

This is now the second time Experian has made a mistake on their reporting that has affected my credit and I am filing a complaint to correct this mistake and restore my credit usage to what it was.
Consumer complaint received 2018-12-31
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bridgecrest Acceptance Corporation (MO)

I NEVER received any documentation from XXXX/Bridgecrest stating that the car was facing repossession. I made a payment on XX/XX/2017. When I woke up the morning of XX/XX/2017 the vehicle was gone. I have NOT received ANY documentation from XXXX/Bridgecrest about their plans to sell the car. I have NOT received ANY information that they have disposed of the vehicle. The ONLY communication/documents I received from XXXX/Bridgecrest was a redemption and reinstatement form back in XX/XX/2017 dated XX/XX/2017. And it stated to redeem the vehicle to pay {$14000.00} and to reinstate pay {$2300.00}. They have placed this debt on my credit reports for XXXX without following the proper federal guidelines.
Consumer complaint received 2022-02-05
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A. (MN)

I submitted a debit card fraud claim with CitiBank on XX/XX/XXXX for the amount of {$4100.00}. ( XXXX ) CitiBank denied my claim on XX/XX/XXXX without any specific reason. Also, there was no response after I submitted an appeal for the claim decision.
Consumer complaint received 2018-12-30
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Colten Mortgage, LLC (CO)

I am XXXX XXXX, writing on behalf of many of my colleagues. 

We continue to encounter Builders in the XXXX XXXX area ( XXXX XXXX & Colten Mortgage, XXXX XXXX & XXXX XXXX to name a couple ) that offer thousands of dollars in incentives to buyers if they use THEIR lender. In most cases, the customer pays more in origination fees & points and gets a higher interest rate but they feel like their hands are tied. 

Can you please help us to understand if this practice is legal? We really don't understand how it could be? Can the CFPB please confirm the legality? 

Thank you
Consumer complaint received 2018-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Paypal Holdings, Inc (IL)

On XX/XX/2018 I purchased a brand new XXXX from XXXX using my XXXX  XXXX XXXX credit card for a total of {$590.00}. The item number on XXXX is XXXX. The PayPal transaction ID is XXXX. On the listing the seller stated to have had the phone fully paid off as well as having a clean IMEI number. The phone was received brand new and functioned properly for 2 months. The phone stopped functioning in XX/XX/2018 because XXXX blocked the phone from having cell phone service. I contacted XXXX and they told me that the phone had been blocked due to the phone not being paid off. I reached out to PayPal/XXXX immediately and submitted a dispute. I received a response a few days later after they completed their review and they said the case was not decided in my favor. They stated that the " seller had sufficiently described the merchandise ''. I submitted proof from XXXX to them that the phone is not functioning because it is not paid off. Clearly, their decision is erroneous and this transaction was fraudulent. The phone is completely non functional and it's not for any reason of my own. I am requesting a reimbursement of my purchase in the amount of {$590.00}.
Consumer complaint received 2019-01-07
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. (NC)

I checked my credit report and saw fraudulent accounts XXXX  opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX/XXXX  opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off. Also my address is incorrect. It should be XXXX XXXX XXXX XXXX. XXXX NC XXXX and my job isn't XXXX it is XXXX XXXX.
Consumer complaint received 2023-06-14
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. (MO)

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXXXXXX XXXX XXXXXXXX  Balance : {$8.00}, XXXX XXXX XXXX  XXXX  Balance : {$180.00}
Consumer complaint received 2019-01-07
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

Hello, I sent XXXX dollars to a friend in XXXX via westernunion.com on XX/XX/2019 and received a call to verify some security questions. The westen union caller  notified me that the transfer was approved and the money was debited from my account. Later that day, I was sent a request to provide the receivers ID and the money was put on hold. Due to urgency and limited communication with the receiver, this wasn't possible to provide. The website lets you view the transaction and resend ( button that says edit and resend ), I attempted to do this for half of the amount to see if it would go through but the edit and resend started an additional transfer, thus debiting my account without calling me for security purposes like the prior time. I called several times, one time the customer service agent pretended that he couldn't hear me, the other a lady did not speak English well enough to carry a conversation, and the last stated a form would be sent for a refund to my email. The email eventually came but now required the receivers identification and place of birth to issue a refund. With international money transfers I expected to be scammed by the receiver not by the company transferring the money ...
Consumer complaint received 2019-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (NC)

I checked my credit report and saw fraudulent accounts XXXX  opened on XX/XX/XXXX for the amount of {$490.00}, XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$13000.00}, XXXX/XXXX opened on XX/XX/XXXX for the amount of {$300.00}, XXXX XXXX opened on XX/XX/XXXX for the amount of {$2300.00}, XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX in the amount of {$430.00} and XXXX XXXX XXXX opened on XX/XX/XXXX for the amount of {$1000.00}. I have disputed the above with all three credit bureaus. The above mentioned are still being reported as negative accounts trying to collect funds. These are not my accounts and under the Fair Credit Reporting Act, these fraudulent accounts need to be removed. The company I have hired to handle this issue has recently informed me that an identity theft affidavit has been sent off. Also my address is incorrect. It should be XXXX XXXX XXXX XXXX. XXXX NC XXXX and my job isn't XXXX it is XXXX XXXX.
Consumer complaint received 2020-08-03
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A. (AL)

I just started an account with XXXX, an app-based brokerage firm. When I attempted to add money to my XXXX  account using my bank, PNC, I was informed by XXXX that 'PNC has made changes that prevent account linkage '. From there, I was prompted by the XXXX support team to file a complaint with the CFPB. PNC is effectively preventing me from engaging in trading.
Consumer complaint received 2019-01-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (MO)

They have put a collection on my credit file. The debt they say that I owe has been paid. The company asked me to sent them the copies of the money orders that I paid them with. I did send the money orders. I have repeatly spoke to them ; my sister as well spoke to them and told them that this bill was paid. They asked my sister to even fax then the money order receipts ; my sister did faxed. I do not owne them and they are trying to get me to pay double.
Consumer complaint received 2019-01-07
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: TIDEWATER FINANCE COMPANY, INC. (GA)

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$8700.00} Closed Overview You've paid off 0 % of the original amount. 

Balance {$8700.00} Highest Balance $ XXXX Monthly payment No Info Opened XXXX. XXXX, XXXX ( 4 yrs, 9 mos ) Term 72 months Payment History Youve made 18 % of payments for this account on time. 

Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Worst Payment Status Charge-off Remarks Consumer disputes this account information Charged off account