davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-02-09
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (CT)

1. I have never had an account with these companies LVNVFUNDG Account number XXXX, REMOVE from all credit reporting agencies that's reporting. 

2. " Consumer '' means any natural person obligated or allegedly obligated to pay any debt. According to 15 U S Code 1692a ( 3 ) 3. This letter is pursuing 15 U S Code 1692c ( C ) Ceasing communication 4. I am the " consumer '' mentioned in 15 U S Code 1692a ( 3 ) You LVNVFUNDG are the debt collector 15 U S Code 1692a ( 5 ) I am invoking specified remedies under U S Code 15 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to U S Code 1692 ( c ) ( 1 ) 5. I am the executor under 15 U S Code 1692c ( d ) pursing to 15 U S Code 1962d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6. According to 15 U.S Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 

7. 15 U S Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8. As mentioned in 15 U S Code 1692f Unfair practices ( 8 ) 9. While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 

10. 15 US Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of- ( 1 ) ( 2 ) ( A ) ( B  ) ( 3 )
Consumer complaint received 2017-02-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Equitable Acceptance Corp (NM)

I filed a separate complaint about XXXX XXXX case number XXXX ). This claim is in conjunction with that but is against Equitable Acceptance. XXXX charged me a loan processing fee to file paperwork with the XXXX that I could have done for free. They took out a loan on my behalf with equitable acceptance. Equitable acceptance is charging me for the " fee '' they paid XXXX.
Consumer complaint received 2016-03-18
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)— (GA)

Back in XXXX I was offered a student loan in the amount of XXXX while attending XXXX XXXX XXXX. while I was making payment on the loan my income tax was intercepted to pay off the loan. I had never heard from the XXXX since until XXXX when I called them to find out why I was denied financial aid. they could not find a reason. some XXXX took all my info and said they will call me back in few weeks. After about 6 weeks I called back with not success until later I received a notice that I owe $ XXXX they want to garnish 15 % of my income. I requested a hearing which they denied.
Consumer complaint received 2020-10-18
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. (CA)

Dear CFPB, I pulled my report recently, and I notice inaccurate information reported by Experian regarding a Charge Off account XXXX XXXX # XXXX. This account was charged off in XXXX. 

Experian violated federal law, by not properly investigating and reporting inaccurate information on my credit report. 

These are the Violations of the Fair Credit Reporting Act. 

1. Delete this account, because it shows Balance {$18000.00}. A Charge Off/Close Account must show {$0.00} balance. 

2. Delete this account, because it shows a Past Due Amount {$18000.00} and a Charge Off/Close Account must show {$0.00} Past Due. 

3. Delete this account, because it shows Payment History reported consecutively as NEGATIVE in XX/XX/XXXX ; XX/XX/XXXX ; XXXX  year ; XXXX   year ; XXXX year ; 30 days late XXXX XXXX ; 60 days late XX/XX/XXXX ; 90 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX ; 120 days late XX/XX/XXXX. A Charge Off/Close Account must show NO Payment history or consecutively as N reported on my credit report. 

4. Delete this account, because it shows XXXX XXXX {$17000.00} on a charge off close account. 

Please delete this account, and send me a new report. 

I need to apply for a mortgage in 2 months and this is an urgent matter. 

I have attached my Experian Credit Report and circled the violations, Experian violated in red color. 

Experian must now remove the item for reporting inaccurate information on my credit report. Any other action ( or inaction XXXX on your behalf may result in a small claims action against your company.

I would be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair  Credit Reporting Act
Consumer complaint received 2019-02-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (IN)

XXXX XXXX XXXX is continuing to report a item on my Equifax report that is fraudulent. The item is currently under investigation with the FTC, yet XXXX XXXX is still attempting to break FCRA guideline by reporting the fraudulent item on my Equifax report.
Consumer complaint received 2015-05-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CA)

XXXX XXXX account balance was XXXX. ACH payments of XXXX and XXXX came in. Bank paid XXXX and charged my account.. I want that fee refunded. I am not asking for a courtesy refund. This is a bank " flaw '' in their system.
Consumer complaint received 2020-10-18
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: PNC Bank N.A. (NJ)

I paid off the balance of my auto loan to PNC Bank and they claim to have mailed out my title to the proper address on XX/XX/2020. The title never arrived in the mail. I spoke with the company as well as with a supervisor who told me that it was sent with regular mail without tracking or a signature requirement. They refuse to help me from their end with resending a new copy of the title. This is an clear situation of negligence on their part, no one would ever send their own original documents in such a fashion, without tracking or a signature, however they have no issue going the cheap route with the customers documents without being prepared to take action to help in such a case. They can not have it both ways.
Consumer complaint received 2016-06-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Collection Systems, Inc. (PA)

My collections agencies refuse to send paperwork nor negotiate anything with me. I started to pay my debt just recently they refuse to make my credit report in good standing. I have n't received any mail about this debt either. The account balance is wrong also.
Consumer complaint received 2015-09-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XXXX XXXX XXXX XXXX is still listed as a judgment on my report. this was paid and removed from XXXX after a dispute and sent receipts and the dispute results to TransUnion only to be ignored.
Consumer complaint received 2022-08-30
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. (TX)

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX, XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Creditor : ) 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, and XXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C. 1681 Section 602 A States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-08-30
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. (CA)

On my credit report it says that I have 2 employers, one of them used to be my employer but I resigned a couple of months ago. The other one I do not recognize ( XXXX XXXX XXXX ). I think someone else used my SSN to get a job in XXXX XXXX
Consumer complaint received 2023-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (WA)

Account has been settled with Capital One Auto Finance XXXX XXXX. I have the car title. Company reporting account closed on two of the reporting reporting agency 's and open on one. Reporting of account owingXXXX XXXX owing, reporting a balance of {$1400.00} on all of them. I submitted a complaint to the company and received a letter back XX/XX/XXXX stating reporting information accurately. I called this company on XX/XX/XXXX and they stated the account was closed and there was no active collection. My access to this account on there web site has been blocked. I filed a dispute with XXXX in XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX and they change a few thing to get accuracy closer however there reporting is not still accurate and complete. I would like reporting to reflect closed, paid and on time or account removed from all credit reporting agency '' s.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I am writing to express my deep concern regarding the late opening of accounts with your company. As a valued customer, I have always appreciated the quality of service and products provided by Credit Bureaus, but recent delays in account processing have been significantly inconvenient and frustrating. 

I submitted applications to open accounts with your company, providing all required documentation and fulfilling necessary formalities promptly. However, to my dismay, I have yet to receive confirmation of the account openings, despite the considerable time that has passed since my initial submission. 

These delays have not only disrupted my operations but have also caused financial implications for my business. I rely on timely access to accounts with your company to facilitate smooth transactions and maintain a healthy business relationship. The prolonged processing time is unacceptable and has tarnished my perception of your company 's reliability and efficiency. 

I urge you to address this matter with the utmost urgency and expedite the processing of my account openings. Prompt action to rectify this situation will demonstrate your commitment to customer satisfaction and help restore my confidence in your services. 

Please provide me with a concrete timeline for the completion of this process and any necessary steps I can take to expedite the resolution. Additionally, I would appreciate regular updates on the status of my account openings until they are finalized. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent similar occurrences in the future. Should you require any further information or clarification, please do not hesitate to contact me. I am asking for your assisstance to correct these accounts in my credit file : XXXX XXXX XXXX XXXXXXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3400.00}.
Consumer complaint received 2016-09-20
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Synergetic Communication Inc (WI)

4 times I have asked this company to not call my number. The person who owned my cell phone number before me has debts and it has n't been there number for years! At this time I am very angry
Consumer complaint received 2017-02-12
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A. (CA)

I RECEIVE A CITI SIMPLICITY MASTERCARD PRE-SELECTED APPLICATION AND APPLY XX/XX/XXXX. I RECEIVED A DENIAL LETTER XX/XX/XXXX STATING THAT THEY RECEIVE INFORMATION FROM XXXX THAT HELP THEM WITH THEIR DECISION. I CHECK WITH THE CREDIT BUREAU BECAUSE I HAD NO NEGATIVE INFORMATION IN MY CREDIT FILE THAT I KNEW OF AND THEY CONFIRM THERE WAS NO NEGATIVE INFORMATION. I CONTACTED CITI AND THEY WAS UNABLE TO FIND ANYTHING SO THEY SWITCH ME TO THE COLLECTION DEPARTMENT AND I SPOKE WITH XXXX. HE WAS UNABLE TO FIND ANYTHING RIGHT AWAY AND CALL ME BACK STATING THAT HE FOUND I HAD A CITI CARD XX/XX/XXXX AND IT HAD BEEN IN A BANKRUPTCY IN XXXX. I TOLD HIM I HAD NO KNOWLEDGE OF THAT AND IF HE COULD SEND ME THE CREDIT CARD APPLICATION BEARING MY SIGNATURE AND INFORMATION AND A COPY OF THE BANKRUPTCY PAPERS. HE LATER STATED HE DID NOT HAVE THE INFORMATION DUE TO THE AGE OF IT. I ASK HIM SO YOU CAN TELL ME THIS IS WHY YOU DENIED ME BUT CA N'T GIVE ME PROOF. HE STATED HE WOULD TRY AND LOOK FOR IT AND GET BACK WITH ME. AFTER A COUPLE OF WEEKS HE SENT ME A LETTER STATING THAT THIS WAS NOT A FRAUDULENTLY ACCOUNT THAT THE ACCOUNT WAS INCLUDED IN A BANKRUPTCY DATED XX/XX/XXXX AND THEY HAVE COMPLETED THEIR INVESTIGATION AND THAT THIS FILE IS NOW CLOSED.
Consumer complaint received 2016-03-10
Product: Credit card — 
Issue: Payoff process — 
Company: WELLS FARGO & COMPANY (OH)

I made a payment of {$200.00} on XX/XX/XXXX dated for XX/XX/XXXX to cover my minimum due on my pay day. I then made another payment, after confirming my bonus was received on XX/XX/XXXX, on XX/XX/XXXX which was posted to my account on XX/XX/XXXX. The company charged me {$15.00} in interest charges because the full balance did not post before XXXX. I have called twice, the second time asking to speak with a supervisor. They stated that I made the second onlione payment on XX/XX/XXXX, but my notes say I made it on XX/XX/XXXX. The company refuses to remove the interest only charges and this is ridiculous. The website does not have the date/time the transaction was done online, you just get an email later about the transaction date. The {$200.00} payment email was received on XX/XX/XXXX XXXX and the {$590.00} payment email was received on XX/XX/XXXX at XXXX. I know this is NOT when I made the payments online as I was SLEEPING at those times. All I am asking is for Wells Fargo to remove the {$15.00} in interest only fees on my account and they claim they ca n't because the payment posted on XX/XX/XXXX. Seriously?????? I know that is a line on XXXX!
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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
Consumer complaint received 2017-03-14
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Trademark Management Solutions, LLC. (TX)

I got a loan in XXXX for {$500.00}. After receiving this loan I made 2 payments of {$140.00}. I have not been able to make the last few payments yet. I then got a call from Trademark Solutions saying that I am being charged with check fraud and breach of contract and that they were taking me to court. I was also told they would garnish my paycheck, which I later found out is illegal to threaten me with. They said the only option to settle out of court was pay a total of XXXX-something dollars, or make {$400.00} per month payments totaling to about {$1300.00}. I only owe them $ XXXX {$300.00} dollars. I offered to pay this and was told no. I told them that 's all I can do and I was told too bad.
Consumer complaint received 2015-12-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (NY)

Wells Fargo guaranteed us a mortgage refinance in XXXX 2015 after months of documentation submissions. The bank had full and complete information regarding our financial situation XXXX impeccable credit, loan to value of 26 %, and very reasonable debt to income ratios XXXX. The bank continued to assure us that there was absolutely no issue with the refinance for three months and that we would close imminently, despite our continued alarms re a seemingly endless delay. The mortgage bankers avoided returning phone calls or emails for weeks on end and then misrepresented the situation and delivered false statements to us for at least three weeks prior to abruptly notifying us that the refinance was denied - after emailing us a week earlier stating that the loan would be approved. We made decisions based upon the assurances from Wells Fargo that, in retrospect, were complete fabrications. The entire process spanned almost 9 months and the mortgage bankers grossly misrepresented the truth, did not return phone calls or emails, and acted unprofessionally and unethically.
Consumer complaint received 2016-04-26
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Med-1 Solutions, LLC (IN)

Med-1 Solutions, LLC was awarded judgment of {$3700.00}, by the XXXX XXXX Small Claims Court, State of Indiana, XXXX County. I had agreed and made {$1900.00} in payments toward this debt. However Med-1 Solutions, LLC filed and represented to the Court that no payments had been made and I still owed the entire amount. Due to this the Court granted them an income withholding order that has taken an additional {$800.00}, directly from my paycheck, as of XXXX/XXXX/16. I believe Med-1 Solutions, LLC violated 807 of the Fair Debt Collections Act, by alleging to this court that the entire amount of {$3700.00}, was still owed and represented to this Court that I had not made any payments. I tried contacting the creditor and asked that the update the Court with my true debt balance and they informed that they do not notify the Court of payment history and would not send anything in until they have a XXXX balance. This is a great hardship to me because the incoming withholding takes over {$400.00} dollars per paycheck. Therefore they have taken over {$1200.00} within the month of XXXX 2016 that has drastically crippled the debtor who had been paying {$200.00} per month.
Consumer complaint received 2022-02-09
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-06-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (WA)

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 60 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.