davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-26
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: Experian Information Solutions Inc. (NV)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, DPT ED/XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXX XXXX****, XXXX XXXXXXXX XXXX*** , XXXX XXXX**** and XXXX XXXX****
Consumer complaint received 2017-07-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (SC)

This company, which I hold no contract nor have received services from, reported a collection account against my SSN in the amount of XXXX with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof that I am not obligated to pay for the alleged debt.
Consumer complaint received 2017-07-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth (CA)

I received a notice from XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX, 2017. It was a bill for medical care in Florida for someone with the same last name but different first name. I called the medical group listed and confirmed that the bill was for an XXXX year old child in Florida. I am XXXX and live in California. The medical group said that they had not provided my name or address to the debt collection agency.
When I called the debt collector and explained to them that this was not my bill they first told me to 'just return the bill '. I 'm not sure how you return a bill. I was also very concerned that this would negatively impact my credit score.
I pushed further and the person on the phone supposedly went to talk to a supervisor. After about a minute she came back on telling me to ignore the bill.
This is either a scam or a very poorly run business. I 'm still concerned that this will impact my credit score. The company provided no information on how they got my address or information.
Consumer complaint received 2024-02-15
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. (MI)

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance : {$13000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2019-10-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NV)

XXXX sold this information to the credit bureaus, Reporting public records when courts itself do not furnish any of this information! This is illegal so remove it or verify it with the court system. If no proof found, therefore it must be deleted. 

Chapter XXXX Bankruptcy Case Number : XXXX
Consumer complaint received 2017-09-29
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Credit Network Inc (CA)

The Financial Credit Network has collected every closed fraudulent account against me, reopened the accounts and are trying to collect on the fraudulent accounts which were closed.COLLETIONS
Fin Cr Netwk
Opened XXXX XXXX, XXXX
+
XXXX
Original creditor: 10 XXXX XXXX XXXX
Fin Cr Netwk
Opened XXXX XXXX, XXXX +
XXXX
Original creditor: 10 XXXX XXXX XXXX
Fin Cr Netwk
Opened XXXX XXXX, XXXX
+
XXXX
Original creditor: XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (CO)

We had a house fire in XXXX and the construction company completed their job in the middle of XX/XX/2022. The insurance made all the payments to us and to the mortgage company, fifth third bank. Unfortunately the fifth third bank has not paid us all the money that need to be paid to the contractors. 

The home was inspected first after the roof was replaced and it took over a month for them to make a partial payment. Then two inspections were done after all the work was completed and the inspector told us that they reported as 100 % complete. But fifth third bank is still holding to the money even two months after the work is completed.

I made several efforts to call them and communicated with them about the issue, but they don't care. We had to make several of the payments out of pocket due to this issue. This is giving us a lot of stress and anXXXX  and it needs to be resolved. We requesting a penalty as well to this bank due to their negligence in remitting the money to us.
Consumer complaint received 2016-08-27
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (MD)

Multiple disputes were initiated through Experian 's online porthole pertaining to information within my Consumer Credit Report that was found to be inaccurate and or erroneous. Upon information and belief Experian has violated the FCRA which ensures that all Consumer Reporting Agencies report information that is 100 % accurate. Pursuant to the FDCPA and the FCRA I now exercise my lawful right to question the validity of the following information ; 1 ) US BKPT CT XXXX XXXX is NOT my account 2 ) XXXX XXXX is NOT my account 3 ) XXXX XXXX XXXX XXXX XXXX is NOT my account 4 ) XXXX XXXX XXXX XXXX XXXX is NOT my account 5 ) XXXX XXXX XXXX Never Known By This Name 6 ) XXXX XXXX XXXX XXXX Never Known By This Name 7 ) XXXX XXXX XXXX XXXX Never Known By This Name 8 ) XXXX XXXX XXXX XXXX Never Known By This Name 9 ) XXXX XXXX XXXX XXXX Never Known By This Name 10 ) XXXX XXXX XXXX Never Known By This Name 11 ) XXXX XXXX XXXX XXXX Never Known By This Name 12 ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Not my address The FCRA section 611 ( a ) ( 1 ) ( A ) outlines your responsibilities in case of disputed accuracy. Moreover, I am requesting that Experian to verify as required of this company by federal law for physical verification of the original signed certified consumer contract- of any and all accounts listed herein pursuant to 609 ( a ) ( 1 ) ( A ). I demand to see a copy of the Verifiable, validated proof of the accounts disputed herein ( an original consumer contract with a wet ink signature affixed ) as copies of copies are not validation and by law are not considered proof. ( See : XXXX v. XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX ( 1997 ). ( Finding that computer printouts are not verification of a debt ). The law is very clear as to Civil liability and remedy available to me for " negligent noncompliance ''. I request my private right to action pursuant but not limited to 15 U.S.C. 1681i ( a ) 15 U.S.C. 1681s-2, 15 U.S.C. 1681s-2b and 15 U.S.C. 1681s-2 ( 6 ) ( A ) ( B ). See : XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX XXXX.1997 ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION (NV)

On XX/XX/XXXX I applied for a Capital One mastercard. Today on XX/XX/XXXX I received an approval email ONLY if a send copies of my ID which were NOT required for online application. After several phone calls to XXXX, representatives refused to close card ending in XXXX with a {$300.00} limit & send a letter stating closed by consumer.
Consumer complaint received 2016-08-23
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

For the past XXXX years since PennyMac became our servicer they have tried to impose a " cushion '' when they send their escrow analysis. After computing the amount I needed to have escrowed each month, the cushion is n't necessary. They claim that this practice is in accordance with state and federal law ; which I find dubious. When I called to dispute their analysis, and after being on hold for an extended period of time, they removed the cushion. I was told that the cushion is added automatically and that I would have to call them every year to have it removed.
Consumer complaint received 2021-02-03
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)

I would like to report on error in my credit profile. I do not know the account in my profile, and I do not recognize it so could you please remove it as soon as possible because I am planning to use my credit profile soon for the life important purposes. For me its clear identity theft and I am a victim. I think somebody used my personal information or its error in reporting but I do not know this item. Please take appropriate actions and remove it once and forever and asap ... .thank you!
Consumer complaint received 2017-09-29
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: EXPERT GLOBAL SOLUTIONS, INC. (IN)

NCO/EGS KEPT CALLING MY WORK AND CELL AND IGNORED CEASE AND DESIST AND FINALLY WENT ON MY CREDIT REPORT. 

XXXX XXXX XXXX SS XXXX XXXX XXXX XXXX SS XXXX
Consumer complaint received 2018-03-23
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Statewide Credit Services Corp. (NY)

The debt collection agent is claiming I owe money for a doctor visit that was paid through my insurance. they called someone not related to me, but at the same address, at XXXX XXXX XXXX, to try to reach me even after I asked them to stop harassing me.
Consumer complaint received 2018-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

company is pulling my credit incorrectly i wanted a credit card from this company since my auto loan is with them.. second time i tried since the last time a customer service agent screwed me.. so they told me my credit score was XXXX ... and i know is not true. i filled a complaint. and the same store.. so i contacted XXXX XXXX ... way better bank and better rates.. to just forget about capital one. and applied for a car loan instant approval and they told me my credit score was XXXX!!!! i have there letter. i week later! even with the hit of capital one! ... i got approved to move my car loan with a lower rate to chase. 

capital one is a fraud. and there customer service is a joke. i dont know if this is a race thing but will do my research.
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. (FL)

I requested a full investigation and debt validation on this collection, XXXX XXXX, but I am still receiving the same response ; the account " verified '' but they do not provide VALIDATION AND PROOF OF CLAIM. Even I do not receive ANY communication from Collector notifying about this debt. Also the Debt Collector illegally report this alleged debt to credit bureaus without following the procedure establish in FDCPA regulations. 
The credit bureaus, EXPERIAN and XXXX, and the Debt Collector ( XXXX XXXX ) are violating the law, under the Fair Debt Collection Practices Act ( FDCPA ).
Consumer complaint received 2017-12-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC (FL)

Trans World System Inc started to contact me in regards to a debt that was already being garnished from my wages by the Creditor and tried get more money to be paid. They kept calling me to ask when I can pay the collection and I told them to stop calling me because payments were being garnished. Over the next few months they kept calling to receive money and I told them not to contact me anymore and to contact the Creditor that sent them my information. Still they would not stop contacting me and the Creditor is not doing anything to stop this collection agency from bothering me, even though they are par is bing my wages.
Consumer complaint received 2017-07-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC. (CT)

I  XXXX   XXXX  deposited  XXXX  checks  XXXX  for {$1800.00} &  XXXX  for {$1000.00} on  XXXX   XXXX   2017 , Both local checks same town,  XXXX  from my wife and  XXXX  from a friend, On  XXXX   XXXX   2017  both checks cleared there accounts and I am still being told by  Citizens  Bank that there not releasing the funds till  XXXX   XXXX  because there is a hold on them even after citizens has the money.   XXXX  Thank you  XXXX   XXXX
Consumer complaint received 2021-02-03
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. (NJ)

I requested for Experian to remove the bankruptcy from my credit report because the information they received is incorrect and was not received directly through the bankruptcy court. In the State of New Jersey, the bankruptcy court DOES NOT report to the credit bureaus at all, therefore making this record unverifiable. 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 investigations, 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 ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Consumer complaint received 2017-07-06
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (AZ)

I filed a complaint with your agency last week. This complaint is in regards to Navient private student loans. I spoke with my rep, XXXX, who offered me a seven month the forbearance on one of my private student loans which was the most likely to default. When I signed in to Navient system the forbearance payment of {$50.00} I made and the forbearance was nowhere on my account. I sent an inquiry to Navient and I filed a complaint with your agency. Navient has now contacted me and is claiming that the forbearance was backdated and ended on XXXX 2017, so my loan is not actually in forbearance according to a different representative. That is not what was explained to me by the representative I spoke to at Navient. I was informed that the seven months forbearance would allow me to get the other two loans caught up potentially and figure out some financial options. Navient is saying they backdated the forbearance. That whole argument is confusing because they have already reported me negatively to the credit bureau 's and if I was in forbearance they would n't have anything negative to report.
Consumer complaint received 2017-09-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Hello. 
On XXXX of 2017, I purchased a " Used '' XXXX. 
Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. 
The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. 
Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. 
A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.
Consumer complaint received 2021-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Credit Karma (VA)

I used Credit Karma Tax to file my taxes for 2018. They misled me by making me omit an important tax form that caused me to owe more than I reported ( {$7000.00} including penalties ). This was the first time I received payments as a consultant and wasn't sure how to process it. I wasn't aware I needed to upload this form because they didn't ask me about it like my previous tax preparing software did ( XXXX XXXX XXXX XXXX ).
Consumer complaint received 2020-05-29
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Crown Asset Management, LLC, Duluth, GA Branch (NV)

Bought a XXXX with now ex-husband. XXXX ordered he took over the XXXX and payments. He didnt, XXXX was repoed. All this was in 2017. This year I got a letter a debt collection company is suing me for the money. Never even heard of them company or was told itd be transfered
Consumer complaint received 2017-06-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (IL)

All transactions occurred XXXX XXXX XXXX. Accounts were opened with Comenity Bank at XXXX, Victoria 's Secret, XXXX and XXXX. Amounts were XXXX XXXX, Victoria 's Secret XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2018-03-23
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Management Services, LP (DE)

On Wednesday, XX/XX/XXXX, I received a phone call from Capital Management on behalf of another third party, XXXX XXXX XXXX, for a company called XXXX XXXX XXXX. I informed the caller I have no idea what this company is nor did I ever have an account with them. I then received a letter in the mail stating that Capital Management has been engaged by XXXX XXXX XXXX on behalf of XXXX XXXX. Again, I have never applied for credit or have any knowledge of this account.
Consumer complaint received 2024-02-15
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OR)

I hope this letter finds you well. I am writing to address the recent late payments on my account with XXXX XXXX XXXX XXXX. I understand the importance of timely payments and take full responsibility for the delay in settling the outstanding balance.
Consumer complaint received 2021-02-03
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: CCS Financial Services, Inc. (AL)

Credit Collection Service is reporting an account from XXXX XXXX that is not mine. This is the same account that they were recently reporting on my dad 's credit report with the same account number, same balance, same open date, same last active date, etc. All information is the same. This account is not mine. The company can not move an account from one person to another person. Note, my dad and I have the same name. However, the suffix at the end of our name is different and all other identifying information such as SSN and date of birth are different. This company needs to get their records straight or be sued!
Consumer complaint received 2021-02-03
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. (PA)

REQUESTED PROOF OF VALIDATION OF ACCOUNT, REQUESTED VERFICATION OF DEBT LETTER, REUESTED PROOF OF ASSIGNMENT OF ACCOUNT, REQUESTED BREAK DOWN OF ALL FEES OWED, REQUEST NOTICE IN WRITING ABOUT REFUND FOR {$24000.00} DUE TO ME FOR OVERPAYMENT, REQUESTED FOR ACCOUNT TO BE DELETED UNTIL AMOUNT DUE IF VALIDATED PER THE FCRA AND FCDPA BUT COMPANY IGNORED MY REQUEST