davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-03-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (MD)

Fraudulent Chase Bank ( account/s ) Possibly involves XXXX XXXX XXXX accounts XXXX : distributed information dark web Cell ported number Can not contact Chase Bank No access to cards/accounts Possible additional account holders XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA
Consumer complaint received 2018-02-20
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Security Credit Services, LLC (FL)

It was a account with XXXX XXXX. The account was transfer to Security Credit Service LLC. I was given XXXX XXXX XXXX by XXXX XXXX on XX/XX/XXXX. I contacted XXXX XXXX between XXXX which they stated that they was the owners of the account. They never stated that Security Credit Service purchased this account from XXXX. The manager at XXXX XXXX stated nothing would be reported unless it waspaidin XX/XX/XXXX. I paid account on XX/XX/XXXX on XXXX XXXX. The collections from dated on XX/XX/XXXX from security credit was sent on that day. I would like negative on credit to be deleted per XXXX XXXX agreement. Today XX/XX/XXXX received saying nothing will be removed. 


XXXXAssignment of consumer debts.This part does not prohibit the assignment, by a creditor, of the right to bill and collect a consumer debt. However, the assignee must give the debtor written notice of such assignment as soon as practical after the assignment is made, but at least 30 days before any action to collect the debt. The assignee is a real party in interest and may bring an action to collect a debt that has been assigned to the assignee and is in default. 

If the notice was on XXXX paid on XX/XX/XXXX. They shouldn't be reporting debt. XXXX they had XXXX XXXX collecting without knowledge.
Consumer complaint received 2023-04-07
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rozlin Financial Group, Inc. (FL)

XXXX sent my personal debt to my parents. I do not live there nor have I ever lived there. I am XXXX XXXX XXXX adult. How dare you disclose my private information to my parents when I am a legal adult. How DARE YOU?! Notice sent on XX/XX/28 by XXXX of Rozlin Financial Group!!!! HOW DARE YOU STOOP SO LOW TO EMBARRASS ME?
Consumer complaint received 2019-09-01
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Credit Management, Inc (AR)

Professional Credit MA, has put a charge off on my credit report in the amount of {$1100.00}. Opened in XX/XX/2015. I have never been contacted about this debt from anybody. I haven't ever received any phone calls, emails, or letters in the mail.. Isn't this against the law? Aren't the creditors supposed to contact me about a debt?
Consumer complaint received 2018-03-12
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. (FL)

I sent for credit report from all 3 major credit bureaus after receiving a notice from my auto insurance about my payment going up due to my credit report. I haven't purchased anything or applied for credit in years. Upon receipt of my credit reports I discovered that someone else has been obtaining credit cards, vehichles and apartments using my name. However on my credit reports, it listed more than one social security number which indeed wasn't mine, SEVERAL addresses in which not only have I never lived at, but also have never even been to, jobs that not only have I never worked at but also never heard of, my date of birth wrong and former names wrong. I have disputed open and closed accounts that were written off due to non payment to the credit bureaus as well as NUMEROUS inquiries for credit that I have NOT done nor even heard of most of them! I have filed police reports, been to my bank, went to my insurance agent, called some of the actual creditors, contacted Federal Trade Commission, contacted the National Consumer Reporting Agency who called me and told me to contact the Consumer Financial Protection Bureau, I still have to contact the Florida Division of Drivers License to put a flag on my drivers license. This whole ordeal has not only been stressful but time consuming with SEVERAL hours on the phone to creditors, banks, credit bureaus, etc. and emails, letters, and certified mail which is also costly. I just want to make sure I cover all of the bases in which I have been requested to do. I do believe by going through all of the proper channels and being diligent in getting this resolved and with my faith and trust in XXXX XXXX that this whole NIGHTMARE will be resolved. Any help or any assistance that your company or organization can offer will be greatly appreciated! I DO NOT have a bunch of credit cards I have not paid, I HAVE NOT lived in multiple places, I have lived at my current residence now for 17 YEARS!!! In that time, I have worked at one establisment which is no longer in business and I now am self employed and work from my home! In 17 years, I have applied for 2 vehichle loans and the last one was in 2007. I am not late on any of my current bills and haven't been in 17 years! I have 1 HOME and am making mortgage payments on it and I have 1 HUSBAND and is the only spouse that should be on my reports!!! I have 1 SOCIAL SECURITY number and in my name now and it hasn't changed for 17 years!!!! I just want all of my CORRECT information on my credit reports and for all of the other to be REMOVED!!! Sincerely, XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OH)

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2022-05-02
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: AES/PHEAA (VA)

The following company never proved their methods of verification through several stages of written credit disputes : PHEAA/FED LOAN SERV The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 
Dispute letter XXXX OF DEBT TO ORIGINAL CREDITOR The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2022, XXXX consumer XXXX XXXX a cease and desist letter to stop the infringement upon my intellectual property rights. I also demanded NAVY FEDERAL a request for an audit trail and a debt validation letter in which they failed to provide so I could exercise my right to validate this debt.
Consumer complaint received 2021-06-25
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. (CO)

XXXX is showing that I had missed a payment in XX/XX/2017 when I had paid the company the total amount ( current balance is {$0.00} ). I tried calling and asked them to remove the information for which they said they wouldn't be able to do it.
Consumer complaint received 2018-03-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

There is an account on my credit profile with Transunion are showing opening which is incorrect. 

1. XXXX XXXX Credit Card shows a balance of {$430.00} which is incorrect. This account balance is XXXX and was closed 4 years ago by me. 

Additionally, the balances on the following accounts are incorrect : 1. XXXX XXXX - balance is {$39.00} not {$630.00} 2. XXXX XXXX XXXX Credit Card - balance is XXXX
Consumer complaint received 2021-12-03
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: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

To Whom It May Concern : I have recently been informed again that there is negative information reported in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. I challenge the accuracy, compliance and reportability of this listing on my credit reports.Re-inserted illegally, XXXX. violation. 

PORTFOLIO RECOVERY A Reported : XXXX XXXX, 2021 {$500.00} There are no contracts, no valid claims ... account was settled with creditors and has been confirmed, grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final XXXX  attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking a minimum of {$1000.00} in damages per violation
Consumer complaint received 2022-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC (FL)

I hired Lexington Law because they stated they were an actual law firm, and could get into doors that other " credit repair '' companies could not get into. They made it sound like they were an all inclusive stop for credit issues. Come to find out, this company is an absolute sham, just like 99 percent of the rest of the companies out there are. 

I had legitimate credit issues that could be fixed. The problem? I never was contacted by Lexington Law once to review my file. They did not ask me once what the issues were. This means, they were sending out generic complaint letters, even for accounts that had legitimate errors on, they were disputing a generic dispute. Their portal does not even allow you to add detail. They ended up causing my damage than they helped. 

I did call in for advice, which they would not even attempt at providing because they weren't an attorney, even though that's how they advertise themselves and they have law in their name. 

I know there are a lot of bad reviews for the company out there, but I did see an option for credit repair companies, so I filed this complaint against them as they legitimately barely even tried to help. They are there to collect a paycheck from people who are trying to climb out of tough situations, which is shameful in my opinion.
Consumer complaint received 2023-04-07
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: WELLS FARGO & COMPANY (FL)

XX/XX/2023 My car was repossesed. My auto loan is with WellsFargo. I was told that my loan was charged off and I could not reinstate. I am not aware of all the fees that were applied to my account. I was told that I had a deferment of 3 months and WellsFargo changed it to 2 months without my approval. I was not aware that my loan was in status of becoming defaulted. I have filed XXXX and WellsFargo still insist to deny me.They are currently in a class action lawsuit for this very reason.
Consumer complaint received 2022-01-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc. (KY)

Credit Collection Services is attempting to collect for XXXX XXXX. 

XXXX XXXX is car insurance that I cancelledas I replaced ot with cheaper insurance with XXXX XXXX. 

I replied to the first collection letter disputing the accuracy of the account and they sent an Invoice. 

An invoice is not a proper validation of debt.
Consumer complaint received 2018-02-20
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. (MO)

Today is XX/XX/XXXX. I have been disputing these inquiries since at least XX/XX/XXXX. I have called the companies that are listed with inquiries and they tell me either they have no record of me in their systems or have not initiated the inquiries. I want them removed from my credit reports. According to Equifax they are " permissible purpose '' inquiries. If the companies claim they have no record of me or an application on or around the dates listed, then there WAS NO " PERMISSIBLE PURPOSE '' whatsoever. I want the inquiries listed below deleted immediately. 
XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX XX/XX/XXXX, XXXX XXXX/XXXX  XX/XX/XXXX,  XXXX XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Consumer complaint received 2021-03-30
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XXXX the branch manager of the Bank of America at XXXX XXXX XXXX, XXXX, NJ XXXX refuses after two requests from me to delete the pending {$39.00} late charge on car loan payments! 

This even though I have repeatedly stated that because of the novel coronavirus my beloved wife XXXX and I have not been able to work. In fact, XXXX had to quit her job after 16 years! 

This branch manager and the Bank of America demand that I pay this {$39.00} late charge even though I have been making payments steadily all along at {$500.00} and now because of the brutal cruelty of this bank at the original amount of {$770.00}, this bank paying no attention at all to the novel coronavirus as it it does not exist and never did! 

I refuse to pay this {$39.00} late fee! And shall not do so!
Consumer complaint received 2022-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Universal Fidelity LP (NY)

My name is XXXX XXXX, I am making this complaint on my own without being forced coerced or intimidated into making this complaint. Also there are no third parties or agents involved in this communication between myself and the cfpb.
Consumer complaint received 2018-02-20
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. (FL)

I had one issue with false delinquency being reported on my account and the company that reported it confirmed it will be removed in 30 to 60 days, great!!!! 
Now Experian just dropped my score by 22pts today XX/XX/18 and it's showing I was late on a payment last month bit doesn't provide which account it was reported on and like I said before, I NEVER MISS PAYMENTS ... .. Experian I am tired of the false info being on my account and never being able to get straight answers on who, what or why it's there. 
I just want the stuff off my account.
Consumer complaint received 2021-03-30
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC. (TX)

From previous complaint, I have decide to closed my HSBC account XXXX Hsbc send a letter saying they are gon na refund my balance of {$5100.00} They even provided a fedex label. As of today I did not received any fund
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC (TX)

I am filing this complaint against XXXX because they have ignored my request for reinvestigation since XX/XX/2021 I have not had one response from this company. This company have had 200 days and ( insert 3 of dispute letters sent ) to resolve this and they have failed.
Consumer complaint received 2022-01-19
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: NAVY FEDERAL CREDIT UNION (GA)

On XX/XX/2022, I consumer XXXX XXXX sent NAVY FEDERAL a cease and desist letter to stop the infringement upon my intellectual property rights. NAVY FEDERAL have failed to provide me with the a debt validation letter to be able to exercise my rights as a consumer to validate this debt.
Consumer complaint received 2023-01-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bonneville Billing and Collections (MS)

Bonneville Collections is a scam company. They are located in XXXX XXXX, UT. See attachments. I do not owe this debt. Ive contacted this company several times and have explained that this debt is the result of stolen identity. XXXX XXXX XXXX takes a persons information over the phone to start a new utility service. The person isnt asked to come into their office to provide proof of identity or information to initiate utilities. This debt does not belong to me. Bonneville Collections and XXXX XXXX XXXX XXXX have destroyed my name and credibility. Theyve gone so far as to place this fraudulent debt on my credit report. Ive already had a pay a fraudulent debt with XXXX XXXX XXXX because someone initiated utilities with them too. XXXX XXXX does not have the customer come into their location to make sure the identity of the person requesting services matches state/government issued ID. These actions, by XXXX XXXX, XXXX XXXX XXXX and Bonneville Collections have caused XXXX, XXXX and tremendous XXXX  resulting in XXXX. I have contacted XXXX XXXX of XXXX. I will be looking for other agencies to contact about what has been allowed to happen to me.
Consumer complaint received 2018-03-11
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: Experian Information Solutions Inc. (CT)

I HAVE BEEN A VICTIM of XXXX AND EXPERIAN AND XXXX inquiry issue. I TRIED TO SPEAK WITH REP TRYING TO GET ALL THE INQUIRES OFF MY CREDIT REPORT AND WONT TAKE THEM OFF. NEED THEM ALL OFF MY REPORT. I ALREADY FILED A DISPUTE WITH XXXX  AND WILL WORK ON EXPERIAN BUT NEED HELP PLEASE! I JUST WANT TO HAVE BETTER CREDIT AND THERE MAKING IT VERY HARD CALLED ALL OF THEM AND THE REPS ARE NO HELP AT ALL
Consumer complaint received 2021-03-30
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 — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Since XX/XX/2020 I have been unable to make payments due to the pandemic. Every month since then I have contacted my financial institution I have let them know this. I made payments whenever possible. On one particular occasion I made a payment of {$100.00} towards my credit card, I received a notification that the bill has been paid however the money was not deducted from my account as I thought. So I continue to make purchases with my debit card. Because I received a notice that the money was deducted from my capitol one 360 checking. I thought the payment was already made and it was not made! In fact they never took the money out of the account as they initially said so the payment was declined therefore it resulted in late fees however because of the pandemic its only happened once maybe twice at best but my credit score to drop 90 points as a result is very serious and I believe that my financial institution set me up for this to happen. Please investigate this matter.