davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (MD)

Jefferson Capital Systems is reporting a debt that was paid directly to the creditor which was XXXX XXXX. After speaking with Jefferson Capital Systems they did see that the account was paid directly to XXXX XXXX and still reported the collection to the credit bureaus. The account was paid in in full on XXXX/XXXX/2016 to XXXX XXXX and Jefferson XXXX XXXX reported it as a bad debt as of XXXX/XXXX/16. After calling XXXX XXXX they tell me that they cant discuss the account because it was sold to Jefferson XXXX XXXX but XXXX took the payment even though it was sold to Jefferson.
Consumer complaint received 2021-07-06
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Results Unlimited, Inc. (VA)

My mother received a letter in her mailbox from Results Unlimited LLC sometime in XXXX. It was for collection of a debt that I had from a previous apartment complex stating that I owed {$770.00}. I called Results Unlimited and spoke with XXXX and asked if I could make a payment arrangement as well as provide her with my current mailing address as well as confirming my phone number. She agreed and updated my information. I called on XX/XX/XXXX and I spoke with XXXX again and provided her with my checking account information. Two weeks had past and I still did not see the money taken out of my account. I called again on XX/XX/XXXX ( No answer ) and on XX/XX/XXXX. I spoke with XXXX again and she stated that she wrote down the wrong account number. I verified the correct account number with her and ask that she process a payment of {$450.00} on XX/XX/XXXX and the remaining {$320.00} on XX/XX/XXXX. That was the last form of communication that was made between me and this company. On XX/XX/2021 I got a call from my mother stating that a warrant in debt had been placed on her door. MY MOTHERS HOUSE SHOULD NOT HAVE BEEN SERVED. ESPECIALLY when it comes to MY personal information and they even had all of my updated information. I have not lived at my mothers house in over 6 or 7 years so why on earth would they just post a freaking warrant on the door? What if my mother didn't live there and someone else did? Now my business was posted on the front door of my mothers house when it should have never been served in the first place. I called this morning XX/XX/2021 and spoke with a XXXX or XXXX and explained the situation and even offered to make the payment but she still tried telling me that I have to pay court fees. She stated that they tried mailing me at my address but my mail was being returned as non-deliverable. That's funny considering after I updated my address back in XXXX, they sent me a letter no problem. I promise my house didn't up and walk away. It's their fault that they didn't properly collect the money in the first place. I did my part. I communicated and cooperated to resolve this debt and now I have a possible judgement. This place needs to be shut down and they should be counter sued by all of the other people they have screwed.
Consumer complaint received 2017-11-27
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. (SC)

Dear CFPB, Months ago I received notification that two collection accounts had been added to my Equifax Credit Report. They are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$220.00} ) Since that time I have submitted dispute letters to Equifax requesting that they send me copies of the information they have in their file used to validate that this is my debt. 

On XX/XX/XXXX and XX/XX/XXXX I received two documents from XXXX that was typed by their office stating I owe the debt. They did not provide proper documentation. Also, prior to these collections showing up on my credit report I had never received any information from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, My last dispute was filed in XXXX ; to date my concern ( s ) have not be adequately addressed. I am requesting that XXXX XXXX XXXX XXXX XXXX XXXX / Equifax remove these items from my credit report. 

Regards.
Consumer complaint received 2017-11-27
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

cap XXXX reassigned servicing of loan to another company. Letter dated 2 weeks from date of transfer XX/XX/XXXX was sent, letter of course was not delivered to me until XX/XX/XXXX. I have not received any notification from the new loan servicer. attempts to contact the new servicer were unsuccessful and have no info on new account number to send with my payment I was not given two week minimum notification as required In prior correspondence cap 1 stated that several thousands of my money that was being held XXXX by cap 1, could be applied to XX/XX/XXXX payment knowing full well that were transferring servicing of my account ; when i called to request return of my money they refused
Consumer complaint received 2021-07-12
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. (GA)

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I never gave Experian, XXXX  or XXXX  any written consent to report anything on my consumer report. No contract is identity theft.
Consumer complaint received 2021-05-22
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: Experian Information Solutions Inc. (TX)

I am raising the issue of 11 U.S.C. Section 362 ( k ) ( 1 ) provides that an individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys ' fees, and, in appropriate circumstances, may recover punitive damages. 
I will sue this credit reporting company for violating my automatic stay under federal law. I filed bankruptcy and included this company. The company knows I included them in my bankruptcy and are still trying to make a collection. You have violated my right and federal law.
Consumer complaint received 2023-02-07
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. (SC)

I PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT ARE REPORTING TO MY EQUIFAX CREDIT REPORT AS FRAUDULENT. IT IS IN THE ATTACHMENT CFPB Write up In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Consumer complaint received 2021-07-06
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY (MD)

I closed my account with American Express Serve last year and they allowed an transaction to go through this year on XXXX the XXXX 2021. I still haven't received the check that was sent last month. I want answers to how this happened and how many more people was affected in this way. Was it a breach and not reported to the government? American Express refused to give me any documentation on my account or this matter.
Consumer complaint received 2017-11-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC (CA)

I have been receiving several calls from Westlake Financial everyday of the week. Sometimes it seems like all day. I do not have any business with them nor have I. The final straw was when I had received a call from them on Sunday and I tried to contact them and let them know this, and they were closed. But the message said that I could contact them that day. I have received several messages from them on Sunday, and every day of the week. When I did answer the call to talk to someone it is always an automated system to push buttons. I finally did contact them during the week and they ask me did I have a relative that may have used their services. I said I may, but they have nothing to do with me and my phone number, caller ID & answering machine being hijacked with so many of their calls. I called on two different occasions and spoke to live representatives and requested for them stop calling me, but the calls continue. I just received another one, on this day Sunday, XX/XX/17, and I have had enough. Please contact them and let them know to correspond with whoever they are after in writing.
Consumer complaint received 2017-11-22
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (VA)

XX/XX/XXXX2017 An amount of {$710.00} was reported to my credit. When i inquired it said it was from XXXX XXXX. This was my old apartment and i had moved out according to my lease but, I have no idea what this bill is for. I called them and asked to speak to the manager but they said they are having change in management. 
How is this even fair for someone who never received the bill? Also, they are not willing to work with me. I have no idea what I am being charged for. This company is making fraudulent claims on my account because they did n't send me any bill and I have no idea about these charges.
Consumer complaint received 2021-09-10
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. (OH)

I feel its unfair that I was not given the full benefit of my bankruptcy chapter XXXX. I already suspect my entire backruptcy was bought and sold BACK to the reporting agencies. ( XXXX, Equifax and XXXX ) I know how bankruptcy goes and none of these court ordered discharged debts should be anywhere on my credit report. These accounts are actively and inaccurately reporting as if I never filed my bankruptcy. I have been disputing accounts and monitoring multiple sites and its awful how I am being treated. I have already contacted an attorney and he will see too it I get justice.

This one particular account I will include in this report is a whole entire fraud case from XXXX! I requested XXXX Verify and validate accounts that shouldnt be reporting be cause they are DISCHARGED debt. Not charge Offs or delinquent or late. My entire credit report has been sabotaged! I demand every negative removed OFF my report. Between XXXX, Equifax and XXXX XXXX, I legit have discharged debt illegally reporting! when i dispute it, each agency comes back with a generic reason adding to the " remarks '' i disputed and chapter XXXX bankruptcy. That isnt how things are supposed to work. 
And under no circumstances should ANY credit reporting employee be allowed to alter, falsify, edit, change or modify any information on reporting documents and if requested it is the duty of that worker/reporter to properly verify and validate any account upon request. There are several inaccurate reporting accounts on my report and when I dispute this one XXXX alters it every single time. I am going to attach my evidence so others can see this and if its done to you, always speak up. XXXX will be held liable, all evidence will be forwarded to the courts. There is a such thing as a victim of malicious fraudulent reporting. And Bankruptcy debt buyers that purchase only chapter XXXX and XXXX bankruptcy debt. I have one planted as a creditor on my bankruptcy documents! 

So be VERY careful with whom you allow to file your bankruptcy! 

this account I have disputed at least 8 times change information EVERY single dispute. 
XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX Absolutely noone should be treated this way . And I plan on seeking justice. This whole ordeal is criminal! 

My son just filed a chapter XXXX and all his debt is gone! I have unknowingly been sabotaged almost 4 years now my chapter XXXX bankruptcy was never discharged because its greedy people out here that want to invest in buying and reselling discharged debt! I already know the attorney was involved because he seems to be running now. I hope someone can help me with this problem because its completely overwhelming!
Consumer complaint received 2017-11-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

Please note I have not filed bankruptcy however debt is not owed to Portfolio Recovery. I sent out a certified letter to Portfolio dated XX/XX/XXXX asking them to provide documents bearing my signature that showed I had a legally binding contractual obligation to claimed account. I am unware of doing any such business with Portfolio. And simply put, want validation. Portfolio just sent copies of past bills from a creditor. However, the last bill from creditor shows account as being charged off for {$4900.00} and a positive credit to the account for {$4900.00} with a closing date as XX/XX/XXXX. This shows the account has been charged off and paid. Portfolio is appearing on all 3 CB for me owing {$5900.00} ( different amounts! ) Portfolio has also sent a letter showing Original Creditor as XXXX XXXX XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX either. It seems that Portfolio either could n't or would n't provide proper validation proving I own that debt. I 've never received anything in writing from Portfolio prior to them showing up as a collection on all 3cb. I 'm on unemployment, trying to find work and request that this false information is taken off of all 3cb immediately as it is having a huge impact on my score and what potential employers see. I kindly ask for you to take a look at my case. Thank you for your time.
Consumer complaint received 2020-05-01
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc (MD)

Whom It May Concern, I received a XXXX  XXXX XXXX  alert. I saw that a company called Hunter Warfield , Inc fraudulently place a negative account on my credit report. I don't know who this company is and never had any correspondence from the Hunter Warfield , Inc. or a notice that the creditor they " supposedly '' representing is giving Hunter Warfield permission to contact me about anything. They have unlawfully reviewed my credit report without my consent.

For Hunter Warfield to do this fraudulent act and conduct their business operations unlawfully in the middle of the COVID-19 pandemic is distasteful and grossly irresponsible. They hope that while consumers are distracted by the shutdowns caused by the pandemic, they can sneak in their lying reports and mess up consumer 's credit score and livelihood.

Hunter Warfield is a disgrace, need to be charge and closed down!

Concerned, XXXX XXXX XXXX
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian is reporting XXXX incorrect addresses on my credit report. Despite me continually verifying only one. This is a serious violation of my consumer rights that has caused damage to my personal life as well as buisness unable to verify my correct address.
Consumer complaint received 2019-08-08
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: RNN Group, Inc (TX)

RNN Group rep XXXX, a manager, has contacted my employer for over a week and my manager has requested repeatedly that RNN Group not call and they are not releasing any information without written consent from an employee. I have called the number back only to get a voice mail every time. I have left voice mail requesting them to stop calling my work. Today XX/XX/2019 they have contacted my employer three times. XXXX is requesting my social, birth date, work hours be verified.
Consumer complaint received 2017-11-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

On XXXX XXXX, XXXX, I sent to Equifax XXXX Department a request to remove a " SR '' suffix which had been considered as part of my name. As they requested I sent a copy of my Driver License. They removed the referred suffix, but after almost a month after, it suffix reappear again. I tried by phone and online to receive an explanation why it was removed and shows up again. They open several cases for me, but it was up and down ( removed and showing again XXXX and the results were with no success. An representative from Equifax XXXX XXXX counseled me to send to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA, and even help me by phone to write a letter requesting again to remove from my credit record the " SR '' suffix showed after my name, because I am not " SR '', and never have had the " SR '' suffix after my name. The representative recommended me to enclose a copies of : XXXX XXXX XXXX, XXXX XXXX, Driver License, Social Security Card and Form XXXX XXXX. XXXX XXXX Tax Return XXXX. On XXXX XXXX, XXXX, I sent the letter XXXX Certified ) with my name, address, e-mail, phone number, and I enclosed the copies of all mentioned documents. They received it on XXXX XXXX, XXXX, and after several dates they removed the " SR '' suffix in question. Now On XXXX XXXX, XXXX, I received an alert from Equifax XXXX XXXX informing that my name change, after reviewing the credit report I note that, again, the " SR '' suffix shows up. They said before that it was happening because an " unknown reporting creditor ''!!! was reporting it, but for they apparently the copies of the documents I sent on XXXX XXXX, XXXX have been not enough to prove that I have no " SR '' suffix after my name. Please help to solve this matter with this company. The other two Credit Companies XXXX and XXXX handles my name correctly.
Consumer complaint received 2022-12-14
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)

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be updated immediately. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-12-14
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. I need the following items to be corrected or removed immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I called the XXXX, XXXX and Equifax after I purchased a credit report with XXXX on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE accounts on my personal profile, I noticed that there was an accounts listed below on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus XX/XX/2022. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts lates will be removed. 
XXXX XXXX Balance Owed : {$4900.00} XXXX XXXX Balance Owed : {$600.00} XXXX  XXXX Balance Owed : {$260.00} XXXX XXXX XXXX Balance Owed : {$130.00}