davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-19
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Qualify for a better loan than offered
Company: First Associates Loan Servicing LLC (WA)

I believe like i 'm a victim to false advertisement like many of the students fighting for there money back at XXXX XXXX XXXX. I think it was unfair to begin with to be pulled aside during class and told that I did n't qualify for aid so I needed to get private student loans. I have made my complaint with the XXXX about predatory loans, Overly ambitious job placement, and knowing gaining profit from people defaulting on there loans. I feel used, and I think that my life was wasted after so many years not being able to find a career within my degree. I really have no idea why I had to switch to federal, and I think I was to young to even understand at that point. only the threat of not being able to continue my degree.
Consumer complaint received 2021-07-06
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: Nelnet, Inc. (IL)

Filed Credit Disputes to all 3 credit bureaus disputing Nelnet Student Loan debt to no avail. Called Nelnet throughout the years ( more than 10 years ) trying to get them to get records from XXXX to verify the debt. They continued to advise the debt is valid. Called XXXX and they stated they have no control over Nelnet reporting system. 

Nelnet is reporting an inaccurate balance of more than XXXX in oppose to less than {$50000.00} from XXXX. 

Nelnet is reporting multiple loans on same date which is inaccurate ; never received ; they are also reporting wrong amounts.
Consumer complaint received 2021-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc. (TX)

Aarogon agency is trying to collect a debt for a patient for XXXX XXXX XXXX in XXXX, TX. I was not there on the date of service and did not sign anything. They are sending me the bill with the patients mothers middle name with my first and last name. Date of service is XXXX and balance is {$7300.00}. I disputed this stating it was not my debt nor was I there or signed anything and they just sent me an itemized bill saying it was my debt. Also they listed this on my credit report which now states an alias for me is The patients mothers middle name.
Consumer complaint received 2018-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (TX)

XX/XX/2018 made contact with XXXX in regards to a collection account on my credit report and they have denied to removed it, after I have provided with documents that this is not my account and I have been a victim of identity theft.
Consumer complaint received 2018-06-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (IL)

Good evening CFPB, Southwest Credit has sent me letters stating I owe them {$200.00} from an old XXXX account which has been closed back in XX/XX/XXXX. This company has been sending me letters stating I owe them money, I think they are trying to bully me out of this money by sending letters stating that they are following and regulations, but how is it I owe them anything? They are not even a utility company. Enclosed you will see a letter that they sent to me after I asked them to please delete this from my credit file. I also learned that even if you were to pay these debt collectors they still will not remove those negative items from your credit report. Please help me resolve this matter and get this item deleted from my credit report. Attached you will find the letter they sent me dated XX/XX/XXXX, and the letter stating that they can not delete this from my profile. 
Thank you for your assistance with this matter.
Consumer complaint received 2017-11-21
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. (PA)

Equifax was breached due to negligence, I never authorized my information to Equifax as I do not have a contract with them. It took 46 days my information has been exposed and is now vulnerable.
Consumer complaint received 2015-11-28
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Cooper Hoffman Klein Associates (TX)

It began when my relatives kept receiving phone calls that I owed to a payday loan company that I never took a loan out on. My relatives gave me the debt collectors contact info, and I returned their phone call. They proceeded to say that they had served me with an affidavit to an address I have never dwelled in, XXXX, and that this was an issue of a loan taking out in XX/XX/XXXX. I checked my bank statement to corroborate their story and I did not receive any fund in the timeframe they are accusing me of. I proceeded to explain this and asked if they could send me a copy of this affidavit, and they proceeded to say they do not bend over backwards for people that did not pay their bills ; than when I preceded to say it was public record, and it should not be that difficult they hung up. About a week later the same company called me this time after my relatives said they would report them. They proceeded to tell me the same song and dance, and I told them it is XX/XX/XXXX the fictitious debt you trying to collect is too old. Than they said you live in this state or this state, and I said neither, than they said where you live, and I said if you have an affidavit for my arrest you should know. Than, I got transferred again I told this individual that I was in the military at the time of this so called payday loan and military members are not allowed to get payday loans, and they said that 's not true, when indeed it is. And I told him if I had a warrant out for my arrest I would not be able to have a job that has a XXXX, which I do. He than proceeded to yell and scream and call me a scumbag that does n't pay my bills, I could n't do anything but laugh because they got caught in their own scheme, and were getting mad at me, then they hung up. I received one more phone call with them stating they have my commanding officer 's information from a base I have not been stationed at for years, and I told them good luck with that, than the hung up on me again.
Consumer complaint received 2021-07-12
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. (NY)

Transunion Is doing so many illegal credit policies They have changed payment history of XXXX XXXX  in my credit report 3 times in less than one month Not even sending me a single letter of what is going on and always lying that this information came from the furnisher and affecting my credit report with inaccurate information This account is over 2 years old how is keep changing in less than one month 3 times This is bull. This a very ruthless action
Consumer complaint received 2024-01-24
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

While reviewing a copy of my credit report ( XXXX ) I discovered some inaccuracies in my personal information. This information includes the addresses that are not mine. I have never lived at the listed addresses and request that you delete this information from my credit report. 
I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report.
Consumer complaint received 2022-01-06
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. (MD)

XXXX XXXX has just destroyed every credit report ( transunion, XXXX, XXXX  ) with inaccurate information and predatory lending practices. They report payments being made that are not happening, then they will turn around and report payments not being made after the case with the vehicle in question has been resolved in court. Just last week I saw payments being reported made & I have not made any payments for a few years now. I looked through the contract for the vehicle and noticed that there was a job listed for my consigner that she never had with income in order to secure the loan. There were alot of other inaccuracies that they used to put us in a vehicle that was overpriced & we could not afford, ran through the contract quickly when we were signing so we would not notice. We made payments for years and not one payment is listed on any credit report. They keep reporting payments & erasing them causing havoc on my credit scores. I have complained & disputed this many times with all 3 credit bureaus and it still is on my credit report causing major damage to my score for years. They have also been sued in court by consumers for predatory lending just a few months ago. XXXX XXXX is terrible and they should not be allowed to damage peoples lives like this. This account needs to be removed from my credit report & my cosigner.
Consumer complaint received 2021-07-06
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Atlanticus Services Corporation (TX)

I was alerted from my identity theft protection program that someone opened a Fortiva account ( Account ending in XXXX ) to pay for a XXXX XXXX XXXXXXXX XXXX. I reported the fraud to XXXX and filled out their ID Theft Affidavit. I never heard back and did not receive confirmation of them resolving the account. When I attempted to follow up on the status of the dispute, they would either refuse to help me or hang up on me. I am a victim of identity theft and this is not my debt. I pulled credit on XX/XX/21 and now see that they closed the credit line but they have not removed it from my credit report. I would like the debt and inquiry removed from my credit report.
Consumer complaint received 2022-09-10
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)

n accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX, HAS VIOLATE 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 report agency can not furnish a account without my written instructions.
Consumer complaint received 2021-07-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (IL)

I've recently got a copy of my consumer credit report and noticed an account i did not recognize nor have i entered a consumer credit transaction with this company. My privacy has been violated and my rights as a consumer have been violated under the FDCPA AND FCRA. I have been harassed by text messaging acquiring about an alleged debt
Consumer complaint received 2020-05-01
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. (MO)

Equifax XXXX XXXX XXXX XXXX should not be reporting a collection/chargeoff in the amount of {$890.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2018-03-19
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. (MI)

I have disputed inaccurate information with XXXX  XXXX and Equifax for 3 months regarding accounts that are not mine. 

XXXX Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXX XXXX XXXX Opened XX/XX/2014 {$25.00} Original creditor : XXXX XXXX XXXX
Consumer complaint received 2016-05-29
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

ACCOUNT RESOLUTION SERVICE # XXXXI have a a unverified account from. I had previously disputed this account. I have never done business with ACCOUNT RESOLUTION SERVICE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt ACCOUNT RESOLUTION SERVICE purport I owe. I request that ACCOUNT RESOLUTION SERVICE. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ACCOUNT RESOLUTION SERVICE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. Nothing in this section relieves a collection agency from complying with the " Fair Debt Collection Practices Act, '' 91 Stat. 874 ( 1977 ), 15 U.S.C. 1692, as amended, or deprives any debtor of the right to assert defenses as provided in section XXXX of the Revised Code and XXXX XXXX XXXX, as amended.The account Number # XXXX
Consumer complaint received 2018-03-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I submitted an investigation request on XX/XX/XXXX. More than 30 days have gone by, and I have yet to receive the results of my credit investigations.
Consumer complaint received 2015-09-08
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (PA)

PNC XXXX XXXX Bank sent me a notice from XXXX stating that they have automatically enrolled me in their " protection '' services. It was my responsibility to call before XXXX XXXX, 2015 to " disenroll ''. I did, but to disenroll, the amount of information they were asking for was staggering. I refused to provide them any more information than they had on the letter. They did n't any of that information from me to " automatically '' enroll me.
Consumer complaint received 2017-04-03
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I had fraudulent charges on my credit card in 2013 and could n't resolve the issue with Capital One. Capital One sent the invalid amount to debt collections and had XXXX XXXX XXXX XXXX. file a lawsuit against me, after I had disputed the debt and had not received any communication back regarding the dispute. They had XXXX XXXX XXXX XXXX. file suit in the wrong Justice of the Peace Precinct for me. I was never informed anything, never served for the lawsuit and only found out about it via a advertisement from a local attorney who was advertising to defend me in the lawsuit. I hired attorney XXXX XXXX to handle the case for me and had the case moved to the correct Justice of the Peace venue for me and had the case dismissed with predjudice. After which Capital One continued/continues to report this negative information on my credit violating the FCRA, and had XXXX XXXX XXXX XXXX. file another lawsuit in yet again another incorrect Justice of the Peace for me, which I found out again by another advertisement from an attorney offering to defend me. I then engaged XXXX XXXX to file suit against XXXX XXXX XXXX and Capital One for multiple and wilful violations of my consumer and civil rights. XXXX XXXX got the 2nd suit agaist me dismissed, but after which I lost all contact with him and he never proceeded with my case agaisnt Capital One and XXXX XXXX XXXX. I left the matter alone as I thought it was all resolved and the derogatory claims on my credit had been removed. But i 've recently tried to get credit and found that this is still be reporting in violation of the FCRA on my credit by Capital One.
Consumer complaint received 2020-05-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (MA)

A settlement check was mailed to my former address in XXXX by the company handling the Equifax XXXX in XX/XX/XXXX. However, I have moved out of that house ( my sisters ) on XX/XX/XXXX and no one has been living there consistently since then. When my sister visited the place a couple weeks ago and found the letter with the Equifax settlement, she sent it to me. 
I opened the letter and saw that the check was no longer valid since it was written in XXXX. I called the number listed on the check on XX/XX/XXXX to request that a replacement check be sent to my new address. I was told that that is no longer possible since the were not authorized to reissue any checks as of XX/XX/XXXX XXXX less than 5 months after the checks were mailed!! ). 

I think that is unfair. I realize that its not a XXXX dollar check but how many people like me had their settlement checks mailed to the wrong address and now " someone's '' bank account is a little fatter because of this " oversight ''?
Consumer complaint received 2021-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (IL)

We have applied for a Deed in Lieu with PHH Mortgage Serices Attn : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX and have not been able to resolve a title issue dispute. XXXX XXXX, XXXX whom I have never spoken to is the Relationship Manager. Someone different have call me every week to discuss issue when I have appointment calls. Because my parents are deceased and we do not want to keep the house, nor, can we keep up with the payments, we have filed for a Deed in Lieu.. My mother had a loan modification but she had a XXXX and died on XX/XX/2020. 

I have submitted all of the documents requested to PHH mortgage and have talked to them weekly. The Affidavit of XXXX has been submitted and approved. XXXX XXXX and XXXX XXXX XXXX are the parties to discuss Deed in Lieu. 

I am told that there is an encumbrance on the property which affects the title but the encumbrance is the result of the Mortgage Companies when they sell or transfer the mortgage to another company not following up and submitting the loan cancellation or the transfer of the property to the new lenders. 

The encumbrance reference is from a '' XXXX XXXX XXXX. '' PHH or XXXX XXXX XXXX does not seem to understand that it can cancel this encumbrance or go through the chain ot title when they purchase the paper to have all of the encumbrances cancelled. 

Mortgage Companies do not have attorneys working to assist the borrower. Moreover, PHH violated the foreclosure moratorium by trying to seize the property during the pandemic. An attorney in XXXX XXXX Louisiana, XXXX XXXX filed the Notice of Seizure. She is not talking to the Deed In Lieu Department at PHH/XXXX XXXX.,
Consumer complaint received 2018-06-08
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (MA)

I have a ROTH IRA account with Capital One 360 ( originally XXXX before it was purchased ). It is not displayed under my account log in, and there is no way to access it through the online banking portal. I would like to take a qualified distribution from the account. I am not being allowed to set up a distribution over the phone and I can not get them to mail me a letter to make the distribution. They are telling me I need to do it online, but there is not option to make the distribution online, nor is the account even listed online. I have been on the phone with them for 2 hours and been 'verified ' multiple times but continue to transfer me and put me on hold in an effort to get me to give up.
Consumer complaint received 2018-03-19
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: U.S. BANCORP (NY)

i tried disputing the accuracy of the account multiple times with the credit bureaus and directly to you guys and nothing is happening every time i send a dispute i get the run around to go back to the bureaus and after i send them a dispute they tell me to go back to you finally i sent a dispute on XX/XX/18 to XXXX and XXXX  with supporting documentation showing that you guys are reporting differently to from XXXX  to XXXX and i find that odd because i have already submitted multiple disputes with you guys and the bureaus and you both said that all information on the report is 100 % accurate
Consumer complaint received 2022-09-10
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. (NY)

n accordance with the Fair Credit Report Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX. ) XXXX, HAS VIOLATE 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 report agency can not furnish a account without my written instructions.
Consumer complaint received 2020-05-01
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (IL)

I was approve for a XXXX XXXX credit card through synchrony bank with a limit of {$300.00} dollars. Now I only have a credit limit of {$100.00} dollars. Why is that? I never use the card. The card has always been in good standers. At this point this is completely bullying. Why approve someone for a credit limit and then take it back. Is this my punishment for not using my credit? and if so this is totally unfair.