davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-26
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC (MS)

I have called XXXX XXXX XXXX and waited for a correction of my bill as of today 's date I have not heard back from them. They would continue to hang up the phone and act like you never called to deal with the account as of today 's date I received notice from a collection agency in the name of Sunrise Credit Services for the amount of {$990.00} but how can I pay you when my account was never fixed and how can I pay you when i am waiting on a final bill and how can I pay you when your staff continues to hang up the phone or put me on hold for long periods of time for more than 2 hours I have been on the phone sometimes for 8 hours in one day and still nothing resolved and when you call back the next day its is like  nothing is pending and no record of you ever calling XXXX XXXX XXXX they have extremely terrible customer service that is affecting their business and the service is expensive paying for services that the customer is not receiving due to constant system upgrades.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY (CA)

this account should not have any negatives ( late payments ) i have even received a letter from the creditor for which they have approved of this being ok to be removed. 
please help me to remove this negative from XXXX credit reporting agencies thank you letter attached
Consumer complaint received 2022-09-08
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: Experian Information Solutions Inc. (OH)

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX Balance : {$4600.00} XXXX CO XXXX Balance : {$16000.00}
Consumer complaint received 2022-03-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

My name is XXXX XXXX XXXX XXXX 
A credit alert found threw Capitol One advised me that my social security number was used in the dark web XXXX, XXXX, twice. The alert says a XXXX account breach occurred in XXXX of XXXX. Ive had XXXX XXXX XXXX for 6 years. Im on a fixed prepaid plan. I also noticed my Mothers address and phone number was used. I havent lived at that address in over 6 years and NEVER use my mothers internet phone number for reference, as nobody will ever answer it. The po box used belongs to XXXX XXXX who is my step-father. I have no contact or interaction with these people so please be advised I have no clue as to what, who, when and what else. Please investigate!
Consumer complaint received 2021-02-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (AL)

I hae been a victim of identity theft since XXXX. I am also a victim of the XX/XX/XXXX data breach of XXXX. 
someone used my information to get medical help and accumulated a debt of {$1100.00}. A collection agency ( Paramount XXXX XXXX  '' placed a collection account on my three credit report. the account is fraudulent and i have reported it to the FTC as such. I contacted the collection agency, the three credit bureaus asking them to remove the collection account from my report per the fair credit reporting act section XXXX. Only XXXX removed the account within 4 days. Both XX/XX/XXXX and XX/XX/XXXX started a " general dispute '' tat takes 30 days and they refused to discuss the reason behind that. I have uploaded all the supporting documents to all involved parties and I feel thatXX/XX/XXXX and XX/XX/XXXX are hurting me by keeping this fraudulent information on my credit profile.
Consumer complaint received 2017-08-09
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

I filed a dispute with XXXX in reference to a debt collection company called Portfolio Recovery Associates and the results of the dispute stated that the debt was verified. In the dispute letter that I sent to XXXX I speciaffically stated the following : " Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of 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. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately ''.
According to letter I sent and the law they are to provide me with a original contract and I have not recived it. XXXX reported that is was verified and that the company was not required to send them any documentation verifiying the debt. I then contacted Portfolio Recovery Associates and they said that they did not have an original contract and that they did not have to provide the contract to me or the credit bureau. According to the FCRA it is required by law by the collection agency and XXXX to provide the original signed doucuments proving that this is my debt. All I want is the proof and if they can not prove this is my debt I would like it to be deleted from my credit file immediately.
Consumer complaint received 2020-10-20
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$19000.00}, {$18000.00}.

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 ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account.
Consumer complaint received 2017-12-26
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Veterans Relief Services LLC (GA)

The Department of Veterans Affairs, and/or one of their agents stole my XXXX XXXX compensation check. I noticed on XX/XX/XXXX I did not receive the check. I call their XXXX number to find out where it was. The agent said it went to the wrong bank. I waited a few days and called back. They said the second time I called that it was returned ( on XX/XX/XXXX ) I asked when I would receive the check they did n't seem to know the status. So I again I waited and called again. The third time I called they made up a story about some alleged debt, and were n't sure what happened to the check. In the past, they have always mailed a check if it was returned, but this time the check seemed to be returned and then it disappeared out of thin air. I believe either the agent or agency has committed fraud. It has been 22 days since the check was returned to them and they still have not mailed it out to me. I have all of the documentation stating it was deposited, returned, and as of right now they are not showing any status of a payment for the month of XXXX. I believe they may have stole my identity with my social security number and birthday, and name. The amount of the lost check was {$830.00}.
Consumer complaint received 2021-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I sent a letter to Transunion LLC requesting to update my personal information on the report, also requesting to delete any inaccurate old addresses, as they are not deliverable to me by the U.S postal office, and they are reportable as per the FCRA since they are inaccurate. I sent the letter with a current bill ( bank statement ), ssc and my ID. 

They got back to me saying proof of address unacceptable. I don't understand why are they trying to delay the process. i sent everything that it was required.
Consumer complaint received 2017-10-03
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC. (CA)

on XXXX/XXXX/XXXX at XXXX I sent the 3 months payment thru XXXX XXXX. To XXXX XXXX account XXXX recived code XXXX for the amount of {$2200.00} on XXXX/XXXX/XXXX my car was picked by the bank at my job. I called the bank and they stated the payment was rejected and that it would be returned within 10 days. I been calling since the 10th business day and they keep saying the payment was rejected but no money has been sent back to XXXX XXXX. I have also been calling XXXX XXXX, they also requested a cancelation since I had XXXX on speaker when they stated they had rejected and denied the money sent. I was laid off from my second job and stared getting behind how ever they should return my money since the car is in there position & the stated they decline a payment that I have yet to received. They keep stating they rejected the payment. Im a mother XXXX XXXX XXXX with no financial help from anyone. I under stand the car getting picked up if I did n't pay at all but the money was sent.
Consumer complaint received 2020-07-12
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (GA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 
LVNV Funding LLC has been listed on my credit report as a collection in the amount of {$2600.00}. LVNV FUNDING LLC is reporting a collection account that does not belong to me. Nor do I have a binding contract with LVNV FUNDING LLC to pay this " debt. '' There was no investigation by the credit reporting agencies to confirm this account. LVNV Funding LLC has not furnished any documents proving this account belongs to me. 
Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if LVNV FUNDING LLC is unable to provide me a copy of verifiable proof, they must delete the account listed on my credit report.
Consumer complaint received 2017-12-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (WA)

This account should have been closed and charged off in my bankruptcy back in XXXX. This is still showing a charge off for XXXX on my current credit report.
Consumer complaint received 2017-12-26
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. (LA)

I have sent several letters to Equifax regarding fraud inquiries on my credit report. I have also submitted a identity theft report from the federal trade commission which they keep saying they have not received. This report was attached to the letter I sent previously. I have advised Equifax several times that these inquiries are related to fraud. Equifax is violating the FCRA by reporting this information.
Consumer complaint received 2017-10-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

Received a call from CEO on Tuesday XXXX XXXX, XXXX regarding the account the motorcycle loan is listed under and he mentioned that the funds were never received. I requested a full audit transaction and XXXX to prove that USAA never received it and I was told they 're not obligated to do that. In addition I 've mailed off a certified mail letter of validating that the debt is in fact true and I have yet to receive any real time source stating so.
Consumer complaint received 2022-03-10
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. (FL)

On XX/XX/2021 XXXX entered into a lease-purchase agreement with a minor child who is a distant relative in my name. They did not ask for my Identification or make any effort to contact me to verify that my information was authorized to be used in this transaction. They did not even check to see that a minor, XXXX XXXX had in fact signed under my printed name and that the initials didn't match my name. He was under the age of XXXX and in no way had the where with all to be a participant in this transaction. Clearly the initials and signature don't even match on this " executed '' lease-to-purchase agreement. This company violated my rights and has caused me grave financial consequences as I am in the process of purchasing a home and this has damaged my credit score because this company illegally entered into this contract.
Consumer complaint received 2017-10-03
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.Q. DATA INTERNATIONAL, INC. (ND)

Received notification from creditor : XXXX XXXX that I owed more that correct amount. The amount was paid. They sent information to debt collector who is asking for more and declined to correct information and noted " I owe ''. I offered to pay 40 percent and they asked for full. I do n't agree to the current amount.
Consumer complaint received 2015-03-25
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CREDIGY USA CORP. (AR)

I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use
Consumer complaint received 2020-07-12
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: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2017-12-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (TN)

I have an open complaint against XXXX XXXX, reference # XXXX. 

However, I now have a new issue. Please see the relevant portion of the copied and pasted conversation I had with XXXX XXXX 's chat service today : " XXXX : I 'm writing to confirm that XXXX XXXX has recalculated my income correctly, and to ask what the monthly payment will be moving forward. 
XXXX : I am currently working on your request, sorry for the delay. 
XXXX : OK XXXX : Right now, your account is currently past due by 3 days for {$39.00}. We also report the status of your loans to the consumer reporting agencies each month. 
Your request for the Pay-As-You-Earn Repayment plan was approved. Your first monthly payment of {$39.00} on the new plan is due on XXXX XXXX, XXXX. The approval letter was sent to you on XXXX XXXX, XXXX, which can be found in your Paperless Inbox. 



To remain on this plan, you must recertify each year. A reminder will be sent to you a few months before your current annual period ends. 



XXXX : Yeah no ... I called over a month ago and was informed that that payment was incorrect. I submitted additional documentation of my income and was told that my monthly payments would increase to around {$350.00}. But in the meantime I needed to pay the {$39.00} payment in XXXX which I did, and that payment would count toward the Public Service Loan Forgiveness program. 
XXXX : I am currently working on your request, sorry for the delay. 
XXXX : I see no open tasks in relation to your current payment amount. If you would like us to review the amount you may submit for a Recalculation of your Income-Driven Repayment Plan. 
XXXX : Of course. ''
Consumer complaint received 2017-10-03
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: Rocket Mortgage, LLC (CA)

On XXXX/XXXX/XXXX I received a call from Quicken loans ( XXXX ) stating that they could help me look for the right mortgage. The rep asked for my social security number in order to confirm my identity, so I gave it to him. I asked if he planned to run my credit and he said 'yes ', I immediately told him that I did not consent or give him permission to do so. He then said that it was too late. According to him and his supervisor he said he would fix the inquiry, but they never did as it shows up in my credit report.
Consumer complaint received 2021-09-08
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Coastal Credit, LLC (VA)

On XX/XX/21 XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) offered terms for a HELOC which verbally included all closing costs. I applied. XXXX XXXX, the underwriter, later informed me that certain promises were not true. XXXX lied and said NC does not charge transfer taxes and a follow on conversation with XXXX XXXX continued this lie. NC most certainly has transfer taxes.
Consumer complaint received 2017-12-26
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: JPMORGAN CHASE & CO. (OH)

I have attempted to recover my car from Chase Bank and XXXX XXXX in XXXX Ohio. The tow company told me to contact the bank, and that XXXX XXXX was open until XXXX everyday Monday through Friday. We made a payment on Friday, XXXX XXXX, XXXX for the rest of the car at the price of {$4700.00} at XXXX right when the bank opened. Chase had then called XXXX XXXX  to release the car and that I should wait 15 minutes before contacting them to pick up the car that day. I had called XXXX XXXX at the following times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX on XX/XX/XXXX, and left 6 voicemails, along with an online submission to schedule a pick up for my car. I had no contact back. 
I did not call Saturday, Sunday, and Monday because they were closed. 
Today, Tuesday XXXX XXXX XXXX, I had called XXXX XXXX at the following times : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I left 6 voicemails as well, making a total of 12 voicemails. 
I called chase several times to see if they can get in contact with the company, they said they are attempting to. I need this to be resolved ASAP.
Consumer complaint received 2021-04-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I went onto my XXXX on my account and I am see a lot of inaccurate information on my report that needs to be removed due to the fact that it is hurting my score. 

XX/XX/2021 Flagged for 119 days past due XX/XX/2021 Flagged for collections XX/XX/2021 Flagged for not more than 2 payments past due
Consumer complaint received 2021-02-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS (IA)

I am currently shopping for car and home insurance, I learned today that there are 2 car accidents listed on a lexisnexis report that are negatively affecting my rates. Both accidents were listed as not my fault. I have the police reports to confirm this. I tried to contact lexisnexis via a phone number given to me by the insurance agent and another number I found on the web. Their answering service does not allow me to connect to a person. I tried at least a dozen times and most of those the call just disconnected without any action on my part. There is no other contact information on the website, and I would like to know how I can correct the inaccurate information.
Consumer complaint received 2017-12-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (NJ)

Ocwen Loan Servicing put a {$500.00} charge on my monthly payment for : XXXX XXXX XXXX XXXX XXXX. They said this is for vacant properties. This property is not vacant, the house is owner occupied and currently occupied. The house is not in foreclosure. They can not explain why they charged this fee. No inspection was made, and Ocwen states there was no reason for any such inspection to be made, yet the fee remains.