davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-05-16
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (NY)

I recently submitted a complaint with cfpb against Atlantic Credit and Finance. That complaint was closed because they said the debt was recalled and to reach out to Midland Funding LLC, even tough Atlantic Credit and Finance is a subsidiary of Midland. Now I am making a formal complaint with Midland Funding LLC. 

In XX/XX/XXXX, I received a collection notice from Atlantic Credit & Finance Incorporated, attempting to collect a {$17000.00} debt. I had no knowledge of my rights to verify collection debt with Atlantic Credit & Finance Incorporated before giving them access to my bank account to auto-debit the monthly payments. 

On XXXX XXXX, I tried to contact them with my NY Department of Consumer Affairs financial counselor, waited on hold for 15 mins before being directed to a voicemail. Again, on XX/XX/XXXX I conducted another three way call and attempted to contact Atlantic Credit & Finance by phone and got no response. I left a voicemail, but never received a call back. I then proceeded to their website and attempted to contact them via their inquiry portal and was able to submit my inquiry but never heard back. On XX/XX/XXXX, I received a notice that Atlantic Credit & Finance Incorporated transferred the debt to Midland Credit Management/ Midland Funding , who reported the debt on XX/XX/XXXX at {$16000.00}. On XX/XX/XXXX, I received a new notice stating that I was on a payment plan and that my new balance owed is {$5600.00}. I never spoke with Midland Credit Management/ Midland Funding to speak about a payment plan, nor did I provide them with any information regarding my checking or savings account for this payment plan. On XX/XX/XXXX, an ACH-debit from my checking in the name of " Midland Funding LLC '' was successfully able to withdraw from my checking account. Since then, I have contacted my bank and placed stop payments on both " Atlantic Credit and Finance '' and " Midland funding LLC ''. 

The original creditor is XXXX XXXX. This debt does not appear on my credit report : the debit, my payments towards that debt, or any mention of Midland Funding or any of its subsidiaries ( Atlantic credit and finance ). In total, there has been a debit of {$2000.00} from my personal checking account as referenced from my personal accounts and the " Recent Payments '' section on their most recent account statement under the name " Midland Credit Management '' ( please see attachments XXXX.
Consumer complaint received 2020-10-21
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CT)

I am following up on Complaint ID XXXX. Bank of America called me on XX/XX/2020 and said that they were working on the case but as of today, I have not heard anything and no resolution has taken placed. On the other hand, it looks like Bank of America closed my complaint with your organization and I want to make sure that you reopen a case or create a new one on my behalf in order to log a resolution from them. I want them to returned my refund of {$7400.00} which was deposited to a wrong account and I never received the money nor have been able to have a closure on this matter. During this difficult time of Covid-19 a resolution on my behalf & my family 's behalf will be greatly appreciate it.
Consumer complaint received 2020-10-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The credit reporting companies are destroying our lives when we pay our bills on time but drop our credit by large numbers if we us our credit cards, and this happens more with XXXX then with XXXX, I will file a lawsuit in court, this has to stop
Consumer complaint received 2020-05-04
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 — Their investigation did not fix an error on your report
Company: SCA Collections, Inc. (NC)

I disputed XXXX XXXX XXXX and SCA Collections on my Credit Report on XX/XX/2020 and XX/XX/2020 letting them know that the collections on my credit file do not belong to me. They did not provide verification of the debt and continue to report these negative items on my credit. I have a letter from SCA Collections even telling me they will delete the negative item from credit file.
Consumer complaint received 2017-08-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Credit Adjustments Inc (OH)

1. harassing phone calls sometimes every two minutes,2.Talked to Three people once and answered questions for up to ten minutes. transferred to another person. Same questions. Transferred to third person. Same questions. 3. One phone conversation I was offered plan to pay {$5.00}. monthly for nine months and have account transferred. I agreed and asked for paperwork to verify this but they refused. 4. finally they e-mailed me a payment application which did not match the offer given me. 5. I got five different phone numbers for them and a couple different addresses. I was instructed to mail payment to XXXX XXXX XXXX XXXX GA.6. I XXXX one phone number and found numerous complaints. I XXXX bbb and found over 25 complaints where they harass, overcharge and bill and garnish for bills not owed or paid off. Reading their responses they appear to have a script for some answers and they also deny some actions and deny responsibility for others. They are slow to respond. At least one written response I made states they use scripts and I was refused a copy read to me concerning the offer made to make monthly payments..7. They charged me over {$850.00}. for two years and another bill they charged me {$130.00}. for one year.8. I do n't know if I can trust the above XXXX address and another at XXXX XXXX XXXX XXXX, TX due to all I have read about Credit Adjustments.9. My last dispute with them they said they would send a copy of my promissory note. They did and it had my name typed and not hand written.10. On checking the complaints filed with bbb.org, one dated XXXX/XXXX/17 states Credit Adjustments uses three different addresses using US Dept of Ed. I would like to settle my student loan debt but with a honest, trustworthy business. Preferably with the US Dept of Ed directly. 11. I think it was the last phone conversation they said they know I have a debit card. 12. I have paperwork but ca n't upload it here.
Consumer complaint received 2021-11-03
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (KY)

I have a collection account on my credit report that was forwarded to Southwest Credit Systems by XXXX for an amount of {$190.00}. For non-returned equipment. The modem /router this is related to was in fact returned through a return label that a windstream representative mailed to me last year. The equipment was returned to them. They refuse to remove the collection from my credit report, because they claim they can not find the equipment. They asked me a tracking number for a return label THEY SENT TO ME! This is a nightmare and is severely damaging my credit report. XXXX is failing at their customer service. Their overseas reps often smart off to you. Make false promises to call you back. They talk over you. Will say anything to try and get you off the phone. This is an absolute nightmare and I really need help. I reached out to the collection regarding this matter only to have them refer me back to the original creditor. XXXX. At this point we are getting nowhere with this exhausting matter. Meanwhile my credit is tarnished because of this matter. I really need help. 

The account number for my old service is : XXXX The original order number for the equipment being sent to me is : XXXX The return info is something they have.
Consumer complaint received 2020-10-21
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: TRANSWORLD SYSTEMS INC (FL)

Dear CFPB Headquarters. 

XXXX XXXX has been abusing the Fair Credit Reporting Act and running circles around myself and the CFPB complain system. 

I XXXX XXXX am the victim of Identity Theft with documents dating back years. 

XXXX XXXX is reporting a Fraudulent in my name. 

I have disputed this multiples times with XXXX XXXX. Three times through the CFPB. 

Each time XXXX XXXX 's staff said they would later reach out to myself for more information. 

Each time was a lie to wait out the complaint against them.

They then proceeded to resend another collections letter never having asked for the evidence I was told they would ask for three different times.

Their only statement has been that two payments were made to the  card from a XXXX XXXX  Account. However, as I have informed them every time that account was already confirmed as fraudulent from XXXX. However, regardless of this evidence that completely invalidates their " proof '' that the account is valid they merely lie, stall, and ignore the Fair Credit Reporting Act which they are committing multiple violations of. In addition, the CFPB has been allowing this to continue as I have
read multiple similar complaints online. The CFPB is failing to investigate and fight against this abuse towards the American people. Therefore, I demand this matter be escalated to the teams in charge of taking legal action when a corporation is knowingly and blatantly violating the FCRA and abusing consumers. Have the appropriate department contact myself with any questions. Further  neglect from the CFPB concerning XXXX XXXX 'XXXX abuse may result in us filing a case against the CFPB.
Consumer complaint received 2023-02-23
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: HYUNDAI CAPITAL AMERICA (CA)

My wife and I purchased a XXXX  Kia XXXX and XXXX  Kia XXXX  the same day in XX/XX/2022 from XXXX XXXX XXXX. The XXXX  was a lease and the K5 a purchase, which was financed through Kia/Hyundai finance entity . 

Apparently, the title for this XXXX  was issued with Hyundai Motor Finance as the legal owner initially, and around XX/XX/2022, the title was transferred from Hyundai Motor Finance to Kia Motor Finance. Apparently, paperwork for that transaction was incomplete and it was rejected by the CA DMV.

We now have a registration hold upon the vehicle and can not legally drive the vehicle. Efforts to secure the documentation requested by the DMV within this letter have continued to be ignored by Hyundai.
Consumer complaint received 2023-01-31
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)

The XXXX and TransUnion Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update or correct the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 
XXXX XXXX XXXX Date Opened XXXX XXXX, 2021 Balance : {$280000.00}
Consumer complaint received 2020-05-04
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. (AR)

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect.
Consumer complaint received 2020-10-21
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc. (IL)

On XX/XX/XXXX I purchased a car from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Il. XXXX for {$19000.00} Santander Consumer USA INC XXXX XXXX, TX XXXX was paid {$430.00} for 71 installments My maturity date was XX/XX/XXXX of this year I have now passed six months and Im still paying for this vehicle still owe $ XXXXI do believe Im being prayed upon for this extra XXXX XXXX was given an order to pay XXXX extra dollars or sign for 10 extra months of installment payments or have my car repossessed I have already paid 77 months of installment payments.
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

The accounts and information, addresses are not mine to the best of my knowledge Enclosed all documentsChapter XXXX bankruptcy discharged Date Filed XX/XX/2012 XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX  XXXX, TX XXXX SINGLE FAMILY 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 2021-03-05
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (AR)

In about XXXX of XXXX, I discovered an account from LVNV Funding LLC on my XXXX credit report. The account referenced an original creditor called XXXX XXXX XXXX, with whom I have never opened or had an account. I wrote directly to LVNV Funding LLC on XXXX XXXX, XXXX and on XX/XX/XXXX regarding this account. I informed them that the account was not mine and was fraudulent. I did not receive a response to either of my letters, which the United States Postal Service confirms was received by LVNV Funding LLC both times. I have also written several dispute letters directly to XXXX. To this day, LVNV Funding LLC is reporting this account on my XXXX  credit report and refuses to remove this fraudulent account. LVNV Funding LLC also continues to report updates to my credit report regarding this account, even though any and all collection activity should have stopped after I sent them the first letter. Until they actually respond to any of my letters, all of this collection activity against me is illegal and violating the Fair Debt Collection Practices Act as well as some of my own state 's laws.
Consumer complaint received 2017-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (ME)

I have a creditor saying they have a civil judgment on me and it was settled already. It 's also not my my credit report. I 'm in the middle of purchasing a home and it popped up after my report says it was removed
Consumer complaint received 2024-02-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report, mine was under reference # XXXX and # XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and fraudulent inquiries which were 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, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX -- -- -- -- -- -- -TRANSUNION : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX 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 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 XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged fraudulent activity, not later than 4 business days after the date of receipt.
Consumer complaint received 2022-04-05
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. (PA)

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX CO XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2020-10-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Army and Air Force Exchange Service (NC)

XXXX of 2020 my credit card company militarystar labeled my account 30 days past due. I was XXXX during this time without any type of communication. I have tried to call and dispute over the phone but no request has been fulfilled.
Consumer complaint received 2020-10-21
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: AMERISAVE MORTGAGE CORPORATION (OK)

The company is ; Amerisave Mortgage Corporation XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX XXXX DATES-XX/XX/2020

: r

eceived two envelopes, one addressed to me and another addressed to my wife. The envelopes contained credit reports that we didnt request or file for. The credit report showed a soft pull for a home applicant. We arent in the process for a home loan. The mail addressed to me showed it to be generated o
n XX/XX/2020 at XXXX XXXX. 
There is also a date on the report showing date ordered on XX/XX/2020. That again is not a date we request any loans. We also werent  attempting to get a home loan.

ACTIONS- I looked up the company. There are many questionable historical facts that led me to report this.

I also sent an email to their customer service, but wanted to get ahead of anything.

AMOUNTS-There are no amounts of financial expenditures but it is for a home loan.

The fact that there were two envelopes, both with our credit reports in each, makes me wonder if this is two separate transactions.
Consumer complaint received 2020-10-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: USCB, Inc. (CA)

I have paid all my copayments and I told USCB America about that ; but they said that I still owe XXXX XXXX copayments. For example, I paid for XXXX XXXX and XX/XX/2020 services and I told them that I paid for every single service that I received. This business has sent bill to me and called me and want me to pay for these two services again. Please help me to solve the issue. XXXX XXXX XXXX asked the USCB America to collect the payments again from me even though I told both the XXXX XXXX and USCB America that I paid for every single service that I received.
Consumer complaint received 2020-10-21
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Onity Group Inc. (WA)

My credit rating for all three companies continuously shows delinquent charges even when XXXX XXXX & their Mortgage company PHH Mortgage has formally submitted a mortgage condemnation 1099 to the IRS. All three credit reporting companies  have not updated my credit rating since XX/XX/XXXX even after being shown proof that the claims are fraudulent claims by XXXX XXXX & their Mortgage company PHH Mortgage. I have filed claims before that were investigated by lawyers at the law firm XXXX XXXX XXXX XXXX CO instead of directly by the company 's listed above. The mortgage in question was an illegal mortgage as was the primary cash purchase loan and the following second mortgage to begin with and the house needs to be condemned because it is not built to national or local building codes. Because of the incorrect reporting they are slandering my reputation, my creditability and my credit rating on a daily basis. This has been ongoing since XX/XX/XXXX when they forced the liquidation of investment holdings that were held as collateral for a line of credit that was used as a second mortgage on the same property. I was not in the Arrears with either loan. The XXXX XXXX XXXX  took this action after I informed XXXX XXXX XXXX XXXX XXXX that the house was not built to national or local building codes. Here is a link to all the evidence. https : XXXX! XXXX? XXXX
Consumer complaint received 2020-09-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (FL)

I recently found out that Jefferson Capital System bought a debt from XXXX that I had no knowledge of. I am a victim of identity theft and they refuse to remove the information from my credit report or to fix the issue even after legal documents have been presented.
Consumer complaint received 2020-10-21
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)

I have unauthorized accounts & inquires on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) any unauthorized items on my report must be removed if not 100 % accurate and verifiable. Please Remove this From my report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed