davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

A company by the name of Resurgent Capital Services keeps harassing me about a credit card payment due to XXXX XXXX that I never owed. Ive sent countless messages And proof showing that I paid this account in full & never used the card again ; I cut up the card. I explained to XXXX XXXX this & they told me that when I was paying the full balance of {$750.00} that I didnt have to pay anything else ; this was XX/XX/2017. After a year or so, I then started to get harassing letters and calls from a debt collector ( Resurgent Capital ) saying I owed XXXX XXXX {$630.00}. I tried disputing this numerous times for over 2yrs with Resurgent, yet they are persistent in trying to force me to pay a balance that I do not owe. Ive even disputed this with XXXX XXXX since they lied to me and sent this fraudulent bill to resurgent so they could pressure me into paying something I never owed. While its been a problem, due to this being on my credit report, now its a huge problem that I want to go away. In which Im willing to file anything to prove my innocence of this being a fraudulent bill. Ive made a complaint with bbb.org, Im making a complaint with you all, & im filing a police report on resurgent & XXXX XXXX for harassment, and fraudulent charges. If the problem persists, then Im just going to file a lawsuit against both parties because I refuse to fight this case to prove my innocence alone. These people are savages and they need to be stopped or put out of business. Im tired of being a victim to these people.
Consumer complaint received 2022-12-15
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX, XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX ; XXXX XXXX Balance Owed : {$13000.00}.
Consumer complaint received 2019-10-12
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA (GA)

In XX/XX/XXXX, my XXXX XXXX XXXX was stolen over the holidays. I kept in touch with Kia Motor Finance throughout the entire ordeal to inform them that there would be a balancing remaining after the insurance and GAP mailed payments. The remaining balance was over {$13000.00} and I requested in writing a payment plan. I was given over the telephone a payment option of {$2100.00} per month for 6 months. I requested numerous times to speak to a supervisor so that I could make other reasonable payment arrangements so that my credit would not be damaged. Within a period of time, my account was charged off and reported negatively on my credit. As of XX/XX/XXXX, I initiated arbitration with Kia Motor Finance and XXXX XXXX. I was told that XXXX XXXX was collecting for Kia Motor Finance and the debt was not sold. XX/XX/XXXX, Kia Motor Finance did not answer to arbitration and XXXX XXXX sold the debt to XXXX XXXX XXXX. I was again informed that Kia did not sell the debt. XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX inquiring about arbitration. I was informed by XXXX XXXX that his law firm was attempting to collect and he would ask his employer ( Kia Motors ) to delete the trade line from my credit report if I could pay at least half of the balance and make payments. What I was unaware of at the time, was that XXXX was also hired to collect on the balance. I decided to settle with XXXX on XX/XX/XXXX. I have attempted to make contact with Kia Motors Fiance to request that the trade line be deleted from my credit reports as I have settled and paid in full. I have already suffered from the affects of the negative reporting by Kia Motors Fiance and I have settled for the amount that Kia Motors authorized XXXX to offer.
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

RE XXXX ACCOUNT NO : XXXX XXXX xxx-xx-XXXX EXPERIAN XXXX XXXX XXXX I had XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. For one month charged {$130.00} including deposit. 
I Paid as follows : PROOF OF PYMT ATTACHED XX/XX/XXXX {$50.00} DEPOSIT XXXX/XXXX {$70.00} XX/XX/XXXX {$10.00} TOTAL {$130.00} discounted {$5.00} Additionally {$50.00} at the closure of my account. 

I switched to prepay and XX/XX/XXXX I ported the phone over closed the account there was a balance of {$50.00} which I paid IN THE STORE and closed account. I never received a bill and was never able to access bills on line. 

INCORRECT INFORMATION -- a COLLECTION ACCOUNT WAS REPORTED ON MY CREDIT IN THE AMOUNT OF {$130.00} WHICH HAS BEEN LOWERED TO {$60.00} BUT SHOULD BE XXXX. 
XXXX has produced 1 bill as proof of the account. 30 DAYS. NO PAYMENTS ARE SHOWN ON THAT BILL. 
-- I HAVE PROVIDED PROOF OF PAYMENT OF THAT BILL XXXX, XXXX AND EXPERIAN ARE IN VIOLATION OF FCRA THEY HAVE NOT VERIFIED THE ACCURACY OF THE INFORMATION. INVESTIGATING MY PROOF OF RELEVANT PAYMENTS AND BANK STATEMENTS WOULD SHOW PAYMENTS TO XXXX XXXX. XXXX HAS NOT GIVEN ANY FURTHER DOCUMENTS SUPPORTING THEIR CLAIM. OR SHOWING WHERE THESE PAYMENTS WERE ALLOCATED. 
XXXX has no further documentation to support their claim. If they did not allocate to my post pay account they made a mistake and need to reallocate the payments to the correct account. I believe all relevant documents ( as required by FCRA would include an invoice or print out of all charges and payments XXXX has in its file. I believe they do not have these payments posted to the correct account. If they dispute these payments, which I am proving with bank statements, then I need to see all relevant documentation in their possession. This would include proof of payment allocations and charges XX/XX/XXXX through XX/XX/XXXX which is completely reasonable and should be accessible. If not, the claim is not verified and I demand it be corrected to reflect a zero balance and taken off my credit report immediately. The credit agencies have not verified the information. I have requested this be done 3 times now. 

This is either double billing or my payments were posted and allocated to another account and needs to be found. I have never received more than 1 bill for the period of XX/XX/XXXX-XX/XX/XXXX and payments for that bill are attached. 

If this affects my being hired I will file a lawsuit. remove the negative credit reporting immediately. 
XXXX XXXX Enclosed are : bill received from XXXX. 
proof of payments ( bank statements ) credit report showing negative reporting to be taken off. 
collection companies correspondence and demand for itemized statement and payments paid. - credit company 's response and refusal to provide requested verification documents. 
emails from XXXX including wrong acct number dated XX/XX/XXXX NOT COMPLIANT WITH FTC or FCRA
Consumer complaint received 2019-10-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

RE XXXX ACCOUNT NO : XXXX XXXX  I had XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. For one month charged {$130.00} including deposit. 
I Paid as follows : XX/XX/XXXX {$50.00} DEPOSIT XXXX/XXXX {$70.00} XX/XX/XXXX {$10.00} TOTAL {$130.00} discounted {$5.00} Additionally {$50.00} at the closure of my account. 

I switched to prepay for and on XXXX XXXX I ported the phone over to but was told there was a balance of {$50.00} which I paid IN THE STORE and closed account.. I never received a bill and was never able to access bills on line. 

A INCORRECT INFORMATION -- COLLECTION ACCOUNT WAS REPORTED ON MY CREDIT IN THE AMOUNT OF {$130.00} WHICH HAS BEEN LOWERED TO {$60.00} BUT SHOULD BE XXXX. 
XXXX has produced 1 bill as proof of the account. 30 DAYS. NO PAYMENTS ARE SHOWN ON THAT BILL. 
-- I HAVE PROVIDED PROOF OF PAYMENT OF THAT BILL 3 TIMES. 
EQUIFAX, XXXX AND XXXX ARE IN VIOLATION OF FCRA THEY HAVE NOT VERIFIED THE ACCURACY OF THE INFORMATION. INVESTIGATING MY PROOF OF RELEVANT PAYMENTS AND BANK STATEMENTS WOULD SHOW PAYMENTS TO XXXX XXXX. XXXX HAS NOT GIVEN ANY FURTHER DOCUMENTS SUPPORTING THEIR CLAIM. OR SHOWING WHERE THESE PAYMENTS WERE ALLOCATED. 
XXXX has no further documentation to support their claim. If they did not allocate to my post pay account they made a mistake and need to reallocate the payments to the correct account. I believe all relevant documents ( as required by FCRA would include an invoice or print out of all charges and payments XXXX has in its file. I believe they do not have these payments posted to the correct account. If they dispute these payments, which I am proving with bank statements, then I need to see all relevant documentation in their possession. This would include proof of payment allocations and charges XX/XX/XXXX through XX/XX/XXXX which is completely reasonable and should be accessible. If not, the claim is not verified and I demand it be corrected to reflect a XXXX  balance and taken off my credit report immediately. The credit agencies have not verified the information. I have requested this be done 3 times now. 

This is either double billing or my payments were posted and allocated to another account and needs to be found. I have never received more than 1 bill for the period of XX/XX/XXXX-XX/XX/XXXX and payments for that bill are attached. 

If this affects my being hired I will file a lawsuit. remove the negative credit reporting immediately. 
XXXX XXXX Enclosed are : bill received from XXXX. 
proof of payments ( bank statements ) credit report showing negative reporting to be taken off. 
collection companies correspondence and demand for itemized statement and payments paid. - credit company 's response and refusal to provide requested verification documents. 
emails from XXXX including wrong acct number dated XX/XX/XXXX NOT COMPLIANT WITH FTC or FCRA
Consumer complaint received 2019-09-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelson Cruz & Associates LLC (TX)

Nelson Cruz and associates called me and said there is a complaint against my name/ SS number because of a pending student loan. I worked out a deal with them via telephone for them to take out XXXX $ monthly until it is paid. They did this twice. Today XX/XX/19, I go t a call from them saying I do not qualify for the XXXX $ Hardship repayment plan, but I can pay around XXXX $ monthly for 6 months and we will be square. I said I would have to think about it and speak with a friend that was a legal rep. The representative got kind of pushy and told me I only have until XXXX today to make a decision. Anyhow I called the real federal student loan officer and I am up to date at this time. They have never heard of Nelson Cruz and associates. So it was a scam.
Consumer complaint received 2019-10-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (MD)

I will be XXXX years old on my next birthday. I must admit I do not check my balances on a daily or weekly basis. I check once a month. 
When I checked, I found out that {$400.00} had been removed from my account at a Drive In Window. The bank insisted that I made it after I deposited a money order and then went back to take out {$100.00} for a homeless friend that was sitting on the curb near the bank. 
I went back to the bank to ask questions. I was told that they could not give me any information because the teller who did the transaction was not at work that day. I continued to call and was told that all transactions showed my drivers license and bank card so that was their proof that I had made the withdrawal. I then went to another bank and they could not help me. Then I went to a third bank and filed out a form and had it notarized. The money was put back in my account but with no reason why this happened. 
On XX/XX/XXXX they finally sent me a letter from the Fraud Assistance Center that told me they were HAPPY to inform me that they credited my account with the {$400.00}.

I went back to the Olney branch several times to ask why this happened. I was told that the Fraud division had not given them an explanation. I kept getting the RUN AROUND. I have 4 accounts with this bank. Three of them are in my trust. The one that is in question is not. So last week I closed that account and put it in Navy Federal where I have my other accounts. 
My fear is that it might happen again. It is a lot of trouble changing banks. My XXXX sons social security check in which I am the representative payee will have to be changed and the account with my social security check will have to be changed. It will be so hard for me. I dont know which bank to change to. I would love to do XXXX but cant get in. My father was a 100 % XXXX vet but he did not have XXXX. I have two sons who are veterans and have XXXX but the company goes down so my sons could not pass it up to me. I am so fearful about my savings account and two checking accounts that remain in Suntrust b The Claim Number given to me by the Fraud Assistance Center is XXXX Please help. I deserve some type of explanation if it were a banking error or whatever. Thanks in advance for any help that you can give me.
Consumer complaint received 2022-12-01
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. (PA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX Balance : {$420.00} ; XXXX XXXX XXXXXXXX Balance : {$6100.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$350.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$750.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2019-10-12
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: Aargon Agency, Inc. (NV)

XXXX;HasFraudulentactivityandIncorrectinformation.AlsoXXXXhasdeniedmeaccesstocreditreportsinceXXXX!

Identitytheftandfreezeshavebeenexhaustedover9yearsnowyetmycreditreportscoreandfileisinaccessibletome,mycreditreportandscoreseverelyinaccurateincompleteinformationaswellasFraudulentactivityandaccountsarethereasonXXXXXXXXXXXXXXXXetcmeXXXXlockandillegallyhavelockedmeoutofmycreditreportfilesinceasearlyXXXX.

EachBureauforCreditScoreandReportshavemadenoevidenceofprotectionformeandIhavemultipleyearsofoutdatedandagedstudentloansasdebtandnothingelse.Yetfor10+yearsnow520-580atbestusassociatedwithmyidentityandUSAsocialsecuritynumber.I'moutragedBeyondCriticalconditionsinmylifeIrreversiblehardshipsonsetofunsalvageabledamagethataffectedmychildrenandI.PhysicallyXXXXemotionallydevastedfromlackofprofessionalismprotectionandtheXXXXprocessandprocedurespereachmajorbureautermsofserviceandprivacypolicyfacilitatingthis.Pleaseexcusemybrevityoftheprerequisiteforthisdiscussion.Collectivelycouldn'tcasefileasdisputesIhavetocontinuediscoveringdiscussionaboutthis.
Consumer complaint received 2019-07-11
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: Lendmark Financial Services (AZ)

On XX/XX/17 Lendmark Financial Services LLC approved me for a title loan in the amount of {$7100.00}. The account number is XXXX or XXXX. I gave them the actual paper title to my vehicle. They did not receive any consumer goods from me. The promissary note that was provided to me corroborates this.
Consumer complaint received 2019-10-12
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (VA)

Here is my latest statement-Sam 's Club MasterCard ( R ) Credit Account Services E-mail Security Zone : XXXX XXXX XXXX For your account ending : XXXX Dear XXXX XXXX XXXX : Your Sam 's Club MasterCard ( R ) Credit online statement is now ready for viewing. Login today to view your statement online. 

Due Date : XX/XX/2019 Minimum Payment Due : {$56.00} Statement Balance : {$68.00} Sincerely, Sam 's Club MasterCard ( R ) Credit Services Protect your identity, never respond to this or any email with personal information such as your account number or password. 
Note : This email was sent to you by Synchrony Bank, the issuer of your Sam 's Club MasterCard ( R ) Credit Account. You may receive account servicing emails even if you have requested not to receive marketing offers by email for your Sam 's Club MasterCard ( R ) Credit Account. Synchrony Bank is located at XXXX XXXX XXXX, XXXX XXXX, XXXX, Utah, XXXX, XXXX. 


This is an unmonitored email box. Please do not reply to this email. 

Head off identity theft before it happens. For more information about identity theft, please visit the Federal Trade Commission 's ( FTC ) consumer website at www.ftc.gov/idtheft/. 


The problem is- we paid the card off in full over 3 years ago. All of a sudden, we have new charges. XXXX did an investigation, and Synchrony apparently only temporarily closed the account. Now it is a new month, and they are trying again ( or an imposter ). 

We are missionaries in XXXX. We have chosen to just ignore it. But it would be good to somehow end it. It is not the money. If we actually owed it, we would pay it. But we do not. 

Please advise- XXXX XXXX Direct Line ( XXXX ) XXXX ( Eastern European Time )
Consumer complaint received 2018-05-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc. (OH)

Account number XXXX The company is sending incorrect information pertaining the alleged financial agreement. They sent me the financial agreement with another provider that works independently from the provider they are alleging I have debt from. This is dating from XX/XX/2014. I am appalled that they would send false information in place of the information I requested. It is clear and evident no document with my signature exists with regarding this alleged debt. This needs to be removed off my credit report immediately prior to escalating all violations made from this company.
Consumer complaint received 2019-07-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Ive disputed these items as errors and they all came back as valid or not enough information submitted. Specifically XXXX XXXX # XXXX is charged off and is on my credit report. XXXX XXXX # XXXX is the collection company it was sold too and they as well are reporting the same account on my credit report, against federal laws. XXXX XXXX XXXX are garnishing my wages for this same XXXX XXXX account, but no updates of payments are reflective on my credit report. Also XXXX XXXX XXXX # XXXX ( charge off ) and XXXX XXXX XXXX ( collection agency ) are reporting the same account on my credit report too. Account # for XXXX XXXX XXXX are all different from n my reports but same account : XXXX # XXXX, XXXX # XXXX and Transunion # is XXXX but all are the same account being reported..
Consumer complaint received 2020-02-10
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)

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. But my credit has been compromised because I have numerous of items that are not mine. Can you delete these items from credit report so I can purchase my first home. Thank you. 

XXXX XXXX {$1200.00} XXXX XXXX  XXXX {$2100.00} XXXX XXXX XXXX {$6000.00} XXXX XXXX {$4200.00} XXXX  XXXX XXXX {$230.00} XXXX  XXXX XXXX {$4200.00} XXXX XXXX {$320.00} XXXX XXXX XXXX {$98.00} US DEPT ED XXXX {$6100.00} DEPTEDXXXX XXXX {$3500.00} XXXX  {$400.00} XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-11
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (AL)

Disputed a collection I was unaware of. Dispute never processed or investigated, but shortly thereafter started receiving threatening letters regarding debt owed that I was never made aware of. Requested verification of debt several times via mail and fax, and only received a copy of a judgement that was filed in XX/XX/XXXX that again I was never aware of. Never received notice of lawsuit filed, never received notice of right to dispute, never received itemized or detailed information about what the balance pertained to. Never received eviction notice, was never contacted nor followed up with. After several attempts to validate debt and dispute collection, have sought legal representation to pursue action.
Consumer complaint received 2018-05-04
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: Experian Information Solutions Inc. (NC)

I am attaching a copy of the investigation request my husband and I submitted on XX/XX/XXXX. Over 30 days have passed, and we have not received a response yet.