davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-06
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: The Receivable Management Services LLC (MO)

This company ( Receivable Mgmt Svcs ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA. Ive conducted some research on this company and in the state of Missouri this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Missouri. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or  symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Missouri Department of Financial Institutions is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises. They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA. Rescission of Contract '' Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office. Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXXXXXX ). 1. Validation of the debt ( i.e. the actual accounting showing <house of XXXX : XXXX> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in  accordance with The FDCPA, GAAP, and the FTC ).
Consumer complaint received 2020-02-06
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: Experian Information Solutions Inc. (SC)

This account was removed and it was reinserted but I never received proper notifications that this account was going to be reinserted which is a violation of my rights basic on the FCRA
Consumer complaint received 2020-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO. (MN)

In XX/XX/2019, I was staying in an XXXX in XXXX XXXX. I left my wallet in the locked unit while I went out to the beach. There was an unauthorized entry to my unit and all the cards in my wallet were scanned/charged fraudulently. I contacted the credit card companies and all of them have corrected the disputed fees except CHASE BANK CARD SERVICES. Chase is claiming that they have researched the claim and feel that the charges were " valid ''. The charge was NOT valid and CHASE is making it very difficult to appeal/dispute their " research ''. Chase waited three months and put the charge back on to my account. I have called multiple times to discuss this with " CHASE FRAUD RECOVERY SPECIALISTS '' and they refuse to give me any information as to what their " research '' was or why they came to the decision that the charge was " valid ''. They have asked me ( the card holder ) to do my own " research '' for them. They want me to contact XXXX and my Credit Union to help with my claim. I feel that the credit card company has an entire " Fraud '' department that should be doing this
Consumer complaint received 2020-02-06
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Pennymac is our current mortgage company and in the process of applying for refinancing they did not provide adequate guidance in that process. The loan officer would give us lists of things to do, such as paying things down, and closing open disputes in order to get our credit up to complete the loan process. In doing so they would repull our credit everytime and give more guidance. The process was horrible. So we decided to use XXXX XXXX since they provided proper advice in helping us correctly. During this process we lost our loan capability due to a 5 point credit score drop over the entire process that involved almost 10 credit pulls combined by the 3 companies. That unprofessional guidance along with greedy loan officers has caused us to spend thousands paying the things off they asked us to pay and left us with no refinance to regenerate the money we lost in the process. We have made our house payment the last 7 years without missing a single payment and jow are denied based on 5 points in a system they abused through too many credit inquiries.
Consumer complaint received 2020-02-06
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP (MT)

I have a XXXX  automobile leased with AHFC. I've purchased many vehicles from XXXX and financed several with AHFC. Yesterday I called to ask a question. One representative gave me one answer and hung up on me. Another representative gave me a different answer. I asked for a supervisor. Was not allowed to have one, told I would have to get a call back. Supervisors then kept calling back and referring me to call customer service. When I called customer service, I was told I could not have a supervisor. Round and round and round and round. No solution. No supervisor. Horrible customer service and still no outcome on what to do.
Consumer complaint received 2020-02-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (IL)

Yesterday I submitted a complaint, please see ( XXXX ) for Ability Recovery Services , LLC. They did not respond to my right for them to have valid proof that they are licensed to collect debts in IL. Per the XXXX   site, they DO NOT have an active license to collect debts in this state. Please provide proof of your active license, as per the Fair Credit Reporting Act you must be licensed in the state you are attempting to collect a debt. 

In addition in that same complaint, they responded stating they sent me an itemized bill. As stated in my original complaint, AN ITEMIZED BILL IS NOT PROOF OF VALIDATION. Proof of validation requires you to provide me with a document bearing my signature to show proof that I am obligated to pay this debt you say I owe. 

Please provide proof of your active license to collect debts in the state of IL and also please provide proof of Validation, not an itemized bill as that is verification, not validation that I requested. Again, if you can not provide proof of both of these requests, I will be pursuing legal action and my lawyer will be contacting you.
Consumer complaint received 2019-02-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (MI)

REFERENCE # XXXX I was a victim of identity theft six-seven years ago the accounting question with XXXX was discovered to be fraudulent never used by me did not belong to me yes the information was similar that's why it's called identity theft XXXX recognize this they closed the account it was never reported to any of the major credit bureaus once it was discovered what it happened police reports were filed multiple letters were sent back and forth and everything was eventually resolved until about a month ago when I received the first letter from this company stating I owed them a debt I immediately sent a letter explaining what I just explained I told them unless they had some proof which I knew they wouldn't to stop all further Communications with me that I had no intentions on paying them any money they sent me another letter helping this was their proof it's just some printing information there's absolutely nothing here that we didn't already know it shows XXXX shows an account number show the balance well yes nobody 's disputing that the account was opened it just wasn't open by me and Everyone except for this company seems to understand that I don't feel they're taking this matter seriously but when you start reporting it to the credit bureaus and you start affecting my credit score it becomes a serious issue
Consumer complaint received 2019-09-17
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION (TN)

I was charged over {$30.00} in fees by BBVA to use the ATM during the months of XX/XX/XXXX-XX/XX/XXXX. I called BBVA at the beginning of XX/XX/XXXX and they did credit my account the ATM fees. Then I kept being charged 18 fees for the month of XX/XX/XXXX, I called them and was told numerous times that a supervisor would correct the issue and return my call. I also sent multiple messages through online banking and have still not been able to resolve this issue. Because I have a clear connect checking account I should not have been charged fees for the ATM since they were in network.
Consumer complaint received 2020-02-06
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: Century Credit & Collections, LLC (CA)

CENTURY CREDIT & COLL is in violation of my HIPPA rights, as well this is invalidate debt. I have contract with CENTURY CREDIT & COLL. I also never authorized XXXX XXXX XXXX to release my medical information to a 3rd party collection company. 

CENTURY CREDIT & COLL is reporting invalidated debt. 

XXXX is as well in violation of my HIPPA rights reporting invalidated debt on my credit report.
Consumer complaint received 2019-02-06
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 (CT)

Good afternoon I am writing to file a complaint about Capital One credit card. I have XXXX  capital one credit cards. I am very frustrated with there credit reporting. I have mad multiple disputes about showing two late payments for the same two months on both of my cards which is inaccurate and I also just paid off these cards and one card showed the balance went to {$0.00} after I paid it then two days later back up to {$310.00}. Their credit reporting is very inaccurate and frustrating and is hurting me as a consumer damaging my credit for their inaccuracies that they will have yet to fix multiple disputes later. I would like my balance to show my REAL balance of {$0.00} since I paid them off and to remove the two late payments off of both my credits cards right away.
Consumer complaint received 2020-02-06
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: Aargon Agency, Inc. (OK)

In XX/XX/2019, I became the victim of identity theft. I tried countless times to dispute this with the XXXX, XXXX  and XXXX  and to no avail was I able to get the account removed. I then had to go a step further. I contacted my local police department to get a police report for an account opened in my name falsely. That finally got the account removed and here I am months later and the account is back on my credit and would like it removed. This account was not opened by myself nor have I ever lived at this residence. Looking at my payment history, I have never had a late payment. This has been removed once resulting in a fraud alert on my account and I would like this one removed as well.
Consumer complaint received 2024-03-06
Product: Credit reporting 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. (NY)

Upon reviewing my XXXX, XXXX and Equifax credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.
Consumer complaint received 2022-08-18
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)

There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2022-08-18
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: CAPITAL ONE FINANCIAL CORPORATION (FL)

In accordance with the fair credit Reporting act 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 instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under ar open end consumer credit plan as late for any purpose.
Consumer complaint received 2022-03-08
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION (NC)

Credit acceptance was paid in 2018 after an accident. Insurance paid total loss of car. This account was closed. The company is committing fraud by keeping account open and still accumulated charges after debt and amount was settled. They are providing false information stating account is open and they are still charging m9nthly charges when the car was sold to Insurance company. Credit acceptance agreed to amount check was issued. The company has been performing abusive acts by false reporting each month and past harassing collection calls
Consumer complaint received 2022-08-18
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. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, WRONG, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$51.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$590.00}  XXXX XXXXXXXX XXXX Balance : {$0.00}
Consumer complaint received 2022-08-18
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)

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Consumer complaint received 2022-08-18
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. (IN)

To whom it may concern, I'm filling this complaint because my Consumer Rights are violated. I have made this credit reporting company aware of the violations. In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 an account without my written instructions.

Thanks in advance for your assistance in this manner.
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (NY)

As you can see below with this Account XXXX XXXX XXXX XXXX is reporting incorrectly and theres numerous errors on XXXX XXXX and equifax stated in 15 U.S.C 1681A everything shall be 100 % correct which its not I demand this account to be removed from my credit report the credit bureaus are violating my rights and I will sue Equifax and XXXX XXXX. Im being discriminated and this needs to be removed
Consumer complaint received 2022-08-18
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: EQUIFAX, INC. (NV)

I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Equifax and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXXXXXX. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$14000.00}
Consumer complaint received 2022-08-18
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. (NV)

So I sent a letter off XX/XX/2022. Here 's my tracking number all my tracking numbers. To remove personal information that I dont want on my credit report. According to the fair credit reporting act 12 USC 168. I have the right to privacy. Also according to 15 USC 6802. No financial institution is suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights
Consumer complaint received 2023-01-26
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. (CA)

To whom it may concern, My identity was stolen and used in order to get credit cards/loans and make fraudulent charges. Accordingly fraudulent hard inquiries have appeared on my credit report. I contacted the lenders and cancelled all the accounts that could be approved. After that I contacted TransUnion Bureau in order to delete these fraudulent hard inquiries and accounts, so they asked me to send them a letter requests and gave me my file number. I have submitted an FTC report and sent to TransUnion, but never had a response and that inquiries are still appearing on my credit. 

List of fraudulent inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-08-18
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. (NV)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX, WRONG, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$11000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1800.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$51.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance XXXX {$590.00} XXXX XXXX XXXX Balance : {$0.00}