davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-07
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Delray Capital, LLC (CA)

I received a call from XXXX on XXXX XXXX claiming to be a process server that was going to serve me for a debt I owed and to provide XXXX forms of ID. If I had any questions to please call an XXXX phone number. When I called the number I was told that they were an arbitration group working with the state to work with me prior to going to court. If I could pay {$800.00} now ( over {$500.00} more than I had taken a loan for ) they would place a stop order on the summons and I would n't have to appear in court. I panicked and agreed to a payment arrangement under the assumption that this was actually a company working with the state dept. However, I did some research later in the day when I realized that the charge was coming from a Delray Capital and not the arbitration group they claimed to be. Also in the email they sent to me after the agreement was in place I saw at the bottom of the very official looking letter that it was actually a collection agency. I had been lied to multiple times in order to scare me into paying.
Consumer complaint received 2016-04-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Platinum Holdings Group, LLC (MI)

This company continues to call my place of business stating that they are going to serve me papers and I do not owe them any monies. They have spoke with my employer and she has asked them not to call the office any more and they continue to leave messages and harass me. They threaten to embarrass me in front of my coworkers.
Consumer complaint received 2023-03-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (OR)

I am writing this letter to request an investigation into Navients continued attempts to collect on the private student loan mentioned above, after it was cancelled as part of Attorney General XXXX XXXX XXXX with Navient ( see attached XX/XX/XXXX media release ). I am seeking a resolution where Navient immediately ceases these unlawful collection tactics and returns all illegally collected student loan payments to me. My records show that I have made {$3400.00} in student loan payments on this loan from XX/XX/XXXX through XX/XX/XXXX. 

During a telephone call today with XXXX XXXX at Navient, I was informed that Navient removed any applicable bankruptcy reference from this loan on XX/XX/XXXX. She said that it appeared a cosigner ( my elderly XXXX old mother ) had been added to the loan at some point, but that it was not clear when that happened or why she was now responsible for the loan. She could not tell whether the loan was in default or whether it was cancelled. It should be noted that we have no record of my mother ever being added as a co-signer to this loan, and Navient has failed to produce her signatures on any documents despite being asked to in letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was put on hold for several minutes, and then told to wait while being transferred to someone else who could help. After waiting on hold for over 20 minutes, Navient disconnected the call. 

My understanding is that this private loan qualified for relief under the XXXX XXXX XXXX, and that there was nothing I needed to do to receive restitution or cancellation. I never received a notice from Navient about restitution or cancellation, and since the date of the settlement they have only sent us collection letters demanding repayment.
Consumer complaint received 2021-05-27
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)

After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you
Consumer complaint received 2018-03-16
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (AR)

Transworld Systems inc. 
XXXX XXXX  XXXX XXXX XXXX XXXX, Pa XXXX XXXX Date XX/XX/2018 our account # XXXX creditor XXXX XXXX XXXX XXXX 's Account # XXXX Current Balance {$360.00} Called them to tell them this bill was not mine. Told them that I own vehicles and do not owe this. Transworld wanted me to verify my information or give them my information and when I refused they hung up on me. This is a false claim against me. It is a scam and would like you to help me so this is not on my credit, and put this fake company out of business. They are scamming people for their information.
Consumer complaint received 2022-09-01
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc. (CA)

My mortgage was transfered from XXXX, to XXXX XXXX XXXX and then to ( my current ) Mr Cooper. On XX/XX/XXXX, I made XXXX XXXX payment to XXXX XXXX. I soon after received a notice that loan was being transferred to Mr Cooper and that payments made up to two weeks before XXXX would be forwarded to Mr Cooper. I tried to make a XX/XX/XXXX payment with Mr Cooper on XX/XX/XXXX but Mr Cooper said my account would not be set up until XX/XX/XXXX so I made the payment to XXXX XXXX  to avoid any late payment on XX/XX/XXXX. On XX/XX/XXXX I made my XX/XX/XXXX Payment to Mr Cooper. I was then notified that I had missed a payment ( the XX/XX/XXXX payment that went to XXXX XXXX ). I have called them at least 10 times to get this corrected I have exchanged several emails with them ( Mr Cooper ) I have sent them PDf from my bank checking account showing that they ( or XXXX XXXX ) got the money from my account. They agree that they got the money but THEY CAN '' T FIGURE OUT WHAT THEY DID WITH IT so they cant correct my account until they find they error.
Consumer complaint received 2023-03-16
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: Regional Management Corporation (SC)

yes, I have contacted the company to get information on how they got my information when I have not entered into an agreement with their company I ask them to send me a validation of the debt and I have not received anything from them.
Consumer complaint received 2020-10-17
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: Nelnet, Inc. (OH)

This is my third attempt and the accounts listed below is reporting inaccurately on my credit report and it is in violation of The Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. After further investigation, the accounts is not mines and is reporting inaccurately. 

Account : US DEPT. OF EDUCATION/XXXX  # XXXX
Consumer complaint received 2023-03-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC (CO)

I have already disputed a medical amount of {$95.00} from XXXX XXXX. The third company that was helping me out was Capio. This amount is no longer showing in my credit report. However, there is another debt collector called Asset Care trying to collect the money from me when this is already disputed. I called Asset Care to get a better hand information and all that they said was that this amount was right and it is no longer in Capio because it was sent to them. I asked them to dispute this bill amount of {$95.00} but it seemed that they did not want to do that and instead they offered me to pay {$55.00} to finish this payment when I called. I said no, I will retrieve more information about this and see what happens and so I did. I found out that this " medical bill '' is no longer in my credit report and I should not have to be disputing anything else with them but I am worried this will affect my credit score if it is not fixed.
Consumer complaint received 2021-10-09
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: EQUIFAX, INC. (FL)

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc. (IL)

You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is also a discharge bankruptcy which means fresh start but this is the reason why I can't get a fresh start because of you reporting this bankruptcy! This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!
Consumer complaint received 2022-02-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services (GA)

XXXX was given multiple opportunities to clarify the terms of the agreement. 
All security interest and POA 's have been rescinded, they have failed to provide documentary evidence with in the allotted time frame.

I complied with 12 C.F.R 226.23 ( a ) 2 and provided Notice of rescission on XXXX XXXX. Sent via certified mail # XXXX XXXX XXXX XXXX XXXX. 

XXXX has FAILED to comply with Effects of rescission outlined in 12 CFR 226.23 ( d ) 2, as a result affiant has NO further obligation to MBFS pursuant to 12 CFR 226.23 ( d ) 3. 

XXXX mailed their incomplete response on XX/XX/2022 More than 20 days after the above date of receipt, which directly violates 12 C.F.R 226.23 ( d ) 2.

because of a failure to provide previously requested documentation MBFS is in violation of 15 U.S. Code 1611 ( 1 ) for willful and knowing violation and failing to comply with my request for documentary evidence as defined in 15 U.S. Code 44.

I am hereby requesting that an authorized officer or agent of XXXX answer questions below, sign, notarize and return the attached affidavit within 30 calendar days of delivery of this notice or mail clear title along with the original promissory note to affiant at the address above, thereby resolving this matter. This is my FINAL good faith attempt to settle this matter and clear up any confusion about the terms of the alleged loan agreement prior to an Administrative Hearing on the matter. Failure to respond will be deemed a dishonor of this Notice and regarded as tacit admission. The affidavits included are evidence that may be used according to the Federal Rules of Evidence to prosecute or enforce any default by you in this matter. My CPA is prepared to offer expert witness testimony should court proceedings be necessary. if XXXX or its representing agents refuse to answer these questions with detailed specific answers, affiant will presume that there is a concealment of material facts and that the promissory note has been altered and stolen and that the alleged borrower provided the money that the alleged lender claims was lent to the alleged borrower.
Consumer complaint received 2017-03-06
Product: Other financial service — Credit repair
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC (MD)

I was contacted by a representative and was told that I needed to pay for a credit report. The very next morning I tried calling to cancell and was not able to speak with anyone. When I was contacted today by a representative from thier company I told him that I had been trying to cancell and he hung up.
Consumer complaint received 2022-02-08
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. (GA)

XXXX XXXX  is reporting that I owe XXXX, I ask for a billing statement or contract with signature on it, I was told they no longer had interest in the account & has since sold to a debt buyer, as of XX/XX/2022 Equifax and XXXX XXXX  are reporting that I owe XXXX XXXX  which is not true.
Consumer complaint received 2022-02-08
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY (FL)

I received a letter and XXXX bank statements from TD Bank. I have never banked with them and did not open any accounts with them. The letter I received was informing me that one account was over drawn. I contacted the banks fraud department to report that I am not the one that opened these accounts. They did not ask me for any identifying information just the account numbers on the letters and then told me I would here back from them in 30 days.
Consumer complaint received 2017-04-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Federal Pacific Credit Company, LLC (FL)

I obtained my credit report and discovered multiple errors with accounts from  Federal Pacific Credit Company stating I owe {$590.00} and {$690.00}. I sent a certified letter to the company asking for VERIFICATION but the company did not provid e any documentation to me. Neither did  XXXX ,  XXXX , and  XXXX  disputed these bogus accounts. There is no account numbers associated with these accounts.
Consumer complaint received 2016-04-14
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CASHCALL, INC. (CA)

In XXXX 2014, I took out a {$5000.00} personal loan with Cash Call, Inc. The terms of the loan are egregious and predatory. My annual percentage rate is 116 %. The cost of my loan, according to my contract is {$35000.00} and the total cost, if payments ( 84 ) are paid according to schedule, will be {$40000.00}. My monthly payments are {$480.00} ( with exception of my first payment which was {$640.00} ) and are debited from my checking account each month. After making payments on my loan for the past two years, I find that as little as XXXX cents a month has been applied to the principal amount of my loan. Currently, less that {$3.00} per month is applied toward each payment.
Consumer complaint received 2023-03-16
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: Experian Information Solutions Inc. (AL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX has violated my rights. Or the list of inquiries 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 reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2022-02-08
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HYUNDAI CAPITAL AMERICA (NY)

KIA FINANCE Kia is reporting by email that my monthly lease payment is overdue when it was paid on XX/XX/XXXX for XX/XX/XXXX. I think that KIA Finance either was hacked or is purposely reporting the wrong amount. I tried to call them twice today and they hung up on me both times after trying to get me to pay. 

My KIA Finance online statement is showing that I have no payments due and that I have automatic payments set up with my bank. My bank is also showing that the payment was debited on XX/XX/XXXX. 

KIA has played with my credit report before causing my score to go down.

They dinged my credit twice last May causing my score to go down when I attempted to lease a car at the advertised price. The dealer tried to defraud me and I opened complaints with the Massachusetts AG and only then the dealer capitulated. Kia was trying to get me to pay on a car that I had surrendered ( Kia lease paid off ) and I had already taken possession of a new car. 

Now I am trying to get Kia to comply with a warranty on defective equipment in the car so they are trying to destroy my credit again in retribution.

Women should be cautious about dealing with Kia because Ive seen complaints online that they unfairly target women for this type of fraudulent underhanded dealings.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

This was my follow up for my latest complaint. I am requesting the removal of the following items from my credit file, in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ), mandating their removal no later than 4 business days after XX/XX/XXXX. This matter was previously addressed in my prior correspondence, and I am restating it here alongside my new FTC report # XXXX. Please expunge the following items attributed to alleged identity theft : 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 TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Failure to remove the listed items may result in legal action. I have apprised my attorney of my intentions, and they stand prepared to pursue legal recourse in case of willful noncompliance.
Consumer complaint received 2020-10-17
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$760.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.
Consumer complaint received 2015-05-15
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Credit Corporation (DE)

I discovered I had an account placed with NCC, Nationwide Credit, while pulling my own credit report. I called them immediately and arranged to pay in full, though I am STILL unaware of what the charges are for. We are in the process of home buying and I wanted the account removed as quickly as possible. I was VERY explicit that I would pay the account in full, as long as the collection would be DELETED or REMOVED from all of my credit files and NOT merely updated to reflect a 'paid ' status. The employee I spoke with, XXXX XXXX, assured me that it would be DELETED and not just updated. I agreed to make payment, based on that conditional understanding. After the account was updated, and NOT deleted as agreed, I called them back at which point XXXX other employees apologized, but informed me that removing the collection was not possible. This agent was dishonest and deceitful in obtaining payment. She served as an extremely poor representative for this business, and for the hospital, XXXX XXXX XXXX, that hired this agency.