davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-11-10
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. (PA)

This account is 7 years old and reporting illegally as paid as agreed. I requested for it to be taken off my credit, I've had no communication with this company and made no payments. This company and sending false information. 

XXXX XXXX Balance XXXX Open date XX/XX/XXXX The company updated false information on XX/XX/XXXX because the 7 years mark was coming XXXX/XXXX/XXXX.
Consumer complaint received 2021-10-26
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. (IA)

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG OLD ADDRESSES THAT NEED TO BE DELETED, A LETTER OF EXPLANATION IS ENCLOSED.
Consumer complaint received 2018-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants and Medical Credit Corporation, Inc. (MI)

I contacted MERCHANTS & MEDICAL CREDIT CORPORATION INC on XX/XX/XXXX reguarding a collection they put on my XXXX  credit report for {$120.00}. I told them i dont owe them anything i never signed a contract with there company for anything and if they do have proof of me owing them a debt to please foward all information of validation to me as of XX/XX/XXXX the company has refuse to respond to my request. On XX/XX/XXXX they sent a verification to XXXX  saying the debt is mine but refuse to provide and proof that it is.
Consumer complaint received 2019-05-31
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: CAPITAL ONE FINANCIAL CORPORATION (MO)

I got a credit card from capital one. when it hit my credit, it dropped my XXXX  65 points and my XXXX around same amount. i called and ask them about it and they said they dont know. ive emailed them about it and still cant get and answer. i have never had my credit score below 600 and this is very frustrating.
Consumer complaint received 2021-08-20
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Harpeth Financial Services, LLC (TN)

I told the company not to pull money out my account on multiple phone calls. I sent them emails stated not to do so. I even placed a stop payment on my account. They keep calling me from a new number every day multiple times a day. Leaving voicemails. They fill up my voicemail box every week. Im going to sue if they do not get stopped.
Consumer complaint received 2021-06-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This company is unlawfully reporting a debt that is not owed to them. They refuse to accept payment for a debt. and refuse to report correct information on credit agencies. They have responded but have not removed themselves or updated the information on the credit reporting agencies. This is debt collection harassment keeping a debt stuck in limbo with no option to pay. you do not own the debt explain why you are reporting that you do?
Consumer complaint received 2021-06-09
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. (CA)

XXXX XXXX - Why bother claiming that you only provide the most accurate and verifiable information if you really dont? I requested proof of payment history. Where are they? You dont keep accurate records, do you? Let me tell you, according to the FCRA, you cant ignore a consumer 's request for an investigation ; you actually have to do it and send the results within 30 days. Your time is up and you didnt do your job. Take this off my file! 

DEPTEDNELNET - This account is also showing to be 120+days past due and shows a scheduled payment amount. Again, if this account has been transferred and this company no longer owns it, can they report this information? Answer is : No. You need to correct the current status to say : Paid as Agreed and remove all the negative information immediately. 

DEPTEDNELNET - This is showing to be 120+days past due as the current status but it also says its been transferred. Youre showing a payment due amount but how can I owe something to a company that no longer owns the account? You need to change the description to say and change the Current Status to say : Paid as Agreed. Please remove all the negative information as well as it is a violation of automatic stay.
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC. (PA)

XX/XX/XXXX Called company and was told it will be removed and no action was taken after second call in XX/XX/XXXX XX/XX/XXXX
Consumer complaint received 2019-11-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (WI)

I've have recently submitted another dispute directly with Capital One ( as of XX/XX/XXXX ). I have continuously been disputing the two accounts totaling {$3300.00} for the past 11 months. I am currently in the process of trying to clear my credit reports of fraudulent items due to identity theft. Capital One has not made one attempt to contact me since I started submitting disputes. I would speculate that I have submitted close to 20 disputes with Capital One. I keep receiving letters saying they have " completed investigations '' and have not once been contacted by Capital One during the investigation process. These accounts were removed from one of my credit reports ( XXXX ) and I have to now send letters to the other two bureaus ( XXXX & XXXX ) to help with my disputes. I would also like to note that XXXX experienced a data breach in XXXX. My information happened to compromised during that time and that is the year Capital One is claiming I opened those accounts.
Consumer complaint received 2024-03-19
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Selene Holdings LLC (OH)

My loan was switched over to XXXX finance I believe in early XXXX. The earliest I remember noticing the random {$410.00} fees was around XX/XX/XXXX. I emailed the company many times asking for an estimation on the actual mortgage loan. I see reasons like vacant property reg. And corporate advance fee collected. We have been inside of my home since XXXX. The property has never been vacant since then and XXXX finance is not our original servicer. They have charged us these fees several times over I even have a different paper where they said the same fees were for attorney fees, and civil litigation and foreclosure, property inspection fees, litigation fees. Again, this property has not been vacant. We are for the most part on time with our mortgage, I cant remember the last time I was late more than 30 days and we have cameras all around our house on the outside no one has been by to do any type of property inspections. When I asked them about a property inspection they werent able to give me any information as to when they sent anybody by to look at anything. We tried to pay our city taxes early for the half year sometime around the end of XXXX and this early XXXX. They took the evaluation and pushed up our monthly mortgage payments stating how instead of paying our taxes into portions the beginning of the year and the half year- instead were going to charge us for the second half of the year and next year. Actually, Im just came across another one of the papers with me requesting their estimations and Im saying theyre random fees from as early as XX/XX/XXXX. I have a lot of these papers and I can provide some of them through email.
Consumer complaint received 2021-06-02
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Earnest Inc. (NY)

Earnest - the student loan refinancing company - is refusing to stop sending me mail offering their services. They are IGNORING my opt out notice which I have put in place three separate times. I have contacted the company to tell them this several times. They ignore my requests mostly and respond rudely when they choose to answer. They continue to harass me with mailers at my home address. 

XXXX CEO : XXXX XXXX
Consumer complaint received 2020-01-25
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. (NJ)

The debt is with XXXX XXXX XXXX. The debt was paid however was sold to another creditor and is reporting false information on my credit report implying that I never paid and still owe. The false information should be removed from my credit report.
Consumer complaint received 2021-06-26
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. (FL)

ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously
Consumer complaint received 2018-02-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I have already written a lengthy and descriptive notice to Portfolio describing the nature of my complaint as I didn't know how many characters you would allow. I will attach it to this complaint along with all relevant documentation I have on this complaint. As a brief description to you, Portfolio has sued an individual using a now Defunct Law firm by the name of XXXX XXXX  XXXX. Portfolio sued this individual using my social security number. Because the judgment is not on my credit report, I didn't find out about it until I was in the middle of escrow and underwriting found it. Obviously it is not mine as the defendant 's name is XXXX XXXX and I am XXXX XXXX. 

I have attempted to contact Portfolio Recovery Associates to have them correct this situation. I have informed them that I am late into my escrow and my {$3000.00} deposit as well as the home itself is in jeopardy. Portfolio has acknowledged that this account is not mine but refuses to do anything about it. They are leaving it in my hands and have lied profusely about many things which are noted in my letter. If this ordeal caused by Portfolio 's lack of an investigative procedure or due diligence in making sure the entity they sued or the information used to sue an entity is the proper information is not corrected, then I will have no choice but to sue them. I am hoping this complaint gets their attention and gets you to see how willfully negligent Portfolio Recovery is conducting itself.
Consumer complaint received 2024-03-17
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (MA)

I submitted a complaint through CFPB on XX/XX/2024. However they rejected my claim, and lied in their response without a shred of proof. Why are they allowed to blatantly lie without any proof? 

I submitted 8 screenshots of proof of them lying and cheating. This is unacceptable. Why are these large companies allowed to get away with lying and cheating their customers? I will be pursuing legal action if this is not resolved. I have strong evidence and proof of their lying.
Consumer complaint received 2022-10-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (FL)

Complaint BARCLAYS XXXX XXXX : BARCLAYS claims that I owe them a debt yet they CAN NOT prove it, even though I have repeatedly given them chances to prove it by sending them letters with registered mail asking them to provide me with a VALIDATION OF DEBT as per federal law. 

I sent them a CONDITIONAL ACCEPTANCE in which they did not respond with their proof of claim or the required info, therefore binding them to my new TERMS AND CONDITIONS. 

I put BARCLAYS on notice. 

I gave BARCLAYS an OPPORTUNITY TO CURE. 

I have attached all the letters I have sent proving that I have indeed exhausted all administrative remedies. 

I do not owe a debt and the ALL CAPITAL LETTERS name/DEBTOR, aka the legal fiction STRAWMAN, owes the alleged debt which is off-set by, I, the ORIGINAL CREDITOR. The credit derived from my hand/living signature, and therefore my Life energy and was issued to the DEBTOR ACCOUNT via my SOCIAL SECURITY ACCOUNT which is an account linked/attached to the 'Certificate of Live Birth ' which is held at the Federal Reserve Bank as an open-ended Letter of Credit and therefore collateral to off-set and balance any alleged debt initiated by the alleged DEBTOR account, which is a TRUST account, aka the XXXX XXXX  XXXX ' Trust, aka the XXXX XXXX XXXX XXXX making I the ORIGINAL CREDITOR of any transaction that took place. BARCLAYS never gave, or offered, due interest to the XXXX XXXX, and penalties for fraud and for not giving full disclosure upon the signing of the alleged contract, which does not have any wet ink signatures ( never mind the 2 signatures required by law for it to be a binding contract ). The UNITED STATES is operating in bankruptcy and owes, I, the ORIGINAL CREDITOR, for use of this Land ( 18 USC 8 ).

SECTION 2 : BARCLAYS has tacitly agreed to the TERMS AND CONDITIONS of my CONDITIONAL ACCEPTANCE, to settle this matter I demand that : 1. BARCLAYS admit that I am the original creditor and source of the credit being utilized. 

XXXX. BARCLAYS leave account # XXXX open and functional so that I may utilize my credit and be accepted for value in order to facilitate my open end credit plan that is our birthright ( 15 USC 1602 ( j ) ).

3. BARCLAYS reports all alleged debt as paid off to all major credit bureaus ( XXXX, XXXX, XXXX and XXXX ). 

XXXX. BARCLAYS pay for all fees and fines associated with this matter. 

XXXX. BARCLAYS pays me {>= $1,000,000} in damages. 

XXXX. BARCLAYS is estopped from ever bringing up this matter again and is barred from passing along this fraudulent claim to any other company or organization.
Consumer complaint received 2019-03-16
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: Riverwalk Financial Corporation (TX)

XXXX  reporting fraudulent information on my credit file ... Items were removed in XXXX and returned with no explanation or validation of the fraudulent accounts after I've disputed multiple times and asked for validation with no response from XXXX on XX/XX/XXXX accounts that have been disputed multiple times ... The XXXX account {$11000.00} # XXXX XX/XX/XXXX was deleted from my file and returned twice on XXXX 2 times between XXXX and XXXX. The file isn't reporting per XXXX  so it needs so be deleted. XXXX is under investigation for trying to collect and they're not licensed to collect. I've tried to reach out to XXXX as well and the number is disconnected, it's a fraudulent account and I want it removed from my credit report as it's hindering my life and making me unable to purchase my home. XXXX  sent documentation stating it's not reporting on my file and it reported XX/XX/XXXX and again on XX/XX/XXXX. I also have a fraud alert on my credit file, I attached the documents from XXXX stating XXXX isn't reporting when it is. I want this fraudulent account removed now it's not mine I never had an account with this company or anyone affiliated with this company. Listed below are other fraudulent accounts I disputed multiple times and XXXX  never responded to my disputes and I've been disputed these items since XX/XX/XXXX. I even sent in a police report to prove to them my wallet was stolen with all my personal information inside. XXXX # XXXX {$2100.00} XX/XX/XXXX fraud never purchased from this company. XXXX XXXX  # XXXX {$960.00} XX/XX/XXXX fraud I don't even know who this is never had an account. XXXX XXXX # XXXX {$330.00} XX/XX/XXXX fraud never dealt with this company. XXXX XXXX # XXXX XXXX XX/XX/XXXX fraud not my account never had an account with this company. XXXX XXXX # XXXX {$12000.00} XX/XX/XXXX fraud not my account never done business with this company, this company is also under investigation for reporting false information and trying to collect on accounts that do not exist. XXXX has been reporting these fraudulent accounts over and over and no matter how many times I've disputed them and sent documents to prove identity theft they will not respond to my disputes. This unfair stressful and depressing and these items need to be removed asap. I have no contracts with any of these companies and never have one I have no knowledge of these fraudulent accounts as they are not mine and need to be removed indefinitely XXXX is the only company reporting these fraudulent accounts my file is clean on the other two bureaus.
Consumer complaint received 2018-02-13
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Bliksum, LLC (CA)

I have a loan with loanMe which form the start was set up on auto draft ACH. they stopped drafting it and I was un aware. They then gave me a modification and again set me up on auto draft. then 2 month later the same thing happened causing late fees and damaging my credit and harassing phone calls to people I never listed on the application making it very embarrassing. the loan was then modified again setting up AUTO DRAFT ACH AGAIN!!!! same thing the not taking the payments and continuing calls when it was set up right from the start and I clearly want action taken against them and justice to be serviced for their scam artist tactics.
Consumer complaint received 2021-06-26
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Penn Credit Corporation (NY)

Penn Credit sent me a collection letter related to a purchase I made on the XXXX website. I called Penn Credit and informed them that the XXXX purchase had been paid and I would be happy to send them proof of same. I sent them proof of payment from my bank account with XXXX XXXX, together with a cover letter requesting that they verify the payment with XXXX. 
After sending the letter, I never heard from Penn Credit for approximately three months until recently I started receiving collection calls from them with no reference to the evidence of payment I sent them. 
They now call on a weekly basis and I now choose not to answer the calls and they do not leave voicemail messages. I interpret this behavior on the part of Penn Credit as harassment and I want them punished for it.
Consumer complaint received 2021-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (PA)

This original company was aware of identity theft due to my military status. After agreeing to REMOVE the negative debt since I never applied for it, they charged it off and the collection company continues to reage the debt resale and has damaged my militaryservice record and hurt my credit. The debt is NOT mine. I have requested copies of original contract, proof of legal right to collect and proof of verification method nothing has been given to me. 

PERMANENTLY REMOVE-off my credit report pay damages in the amount of {$5000.00}.
Consumer complaint received 2021-06-09
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: Santander Consumer USA Holdings Inc. (CA)

I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Consumer complaint received 2021-02-07
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivable Solutions, Inc. (SC)

I've sent written communications to XXXX  XXXX  requesting information regarding the debt on XX/XX/30. XXXX  XXXX  have not responded back with any information or even attempted to do so. This debt has been disputed many times. This collection agency has not been able to prove the debt belongs to me by not providing documents that were used for verification to legally prove this debt belongs to me. XXXX  XXXX  can not verify which documents were submitted to the credit bureaus to legally report. XXXX  XXXX  are not able to provide the employee 's name at XXXX XXXX ( original creditor ), date, time, and reporting details or what was verified with them.
Consumer complaint received 2021-06-02
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. (TX)

I paid off over {$15.00}, XXXX of debit and my credit score didn't change nor did I see a decrease in the amount or credit I owed. I paid off over 10 credit card and it does not reflect on my credit report. That late payment for XXXX XXXX was place on my report in XXXX is been 10 years and is still showing. XXXX reported a late payment because they didn't inform of a change in financial institution and the payment went to the wrong address through my bill pay so I should have receive credit because the payment was send