davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-01
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Accounts, LLC (CA)

I had contact them an sent them copies of the payments I made to the XXXX office.The XXXX was a XXXX and I paid him and he still sent me to collection. I contacted the collection agency and sent them records of what was paid and they still say I owe. I called to settle for a lower amount and they still say I owe {$420.00}. This is messing up my credit and now they
Consumer complaint received 2016-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Security Credit Services, LLC (SC)

original debt was with XXXX money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of my credit report.
Consumer complaint received 2023-04-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (MD)

I filed a dispute with your agency on XX/XX/2023, which referenced two ( 2 ) accounts erroneously being reported on my credit report. As of today, I have not received a response from your agency regarding the dispute results, despite the fact that the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to respond to disputes within 30 to 45 days. I would like to remind you that under the FCRA, if a credit reporting agency fails to respond to a dispute within the required time frame, the disputed account must be deleted from my credit report. Given that it has been more than 45 days since I filed the dispute, I am requesting that the disputed account be deleted from my credit report in accordance with the FCRA. The accounts that were disputed are as follows : XXXX XXXX XXXX, account # XXXX. In my original dispute I stated : I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account Collection account from Unknown with account # XXXX and a balance of $ XXXXThe original creditor is XXXX XXXX. I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Consumer complaint received 2022-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NY)

I have refused to pay the debt on any of these collection accounts and in pursuant to 15 USC 1692 ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. Also, in pursuant to 15 USC 1692 ( g ) only the original creditor can validate a debt and that is me. The companies who have violated these consumer laws are listed below : XXXX XXXX XXXX PORTFOLIO RECOV ASSOC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-06-03
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (TX)

Equifax is ignoring information that was sent to them inregards to my accounts with the us dept of ed they have a letter in there files that tells them to remove all accounts I am not on the XXXX report witch is the fed dept report they can not verfy any information other then what is given to them this accounts need to be removed they are sharing information with every one who runs my report that I have debt I do n't owe they are allowing a compy with no right to report to my credit to do so
Consumer complaint received 2017-05-24
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION (NY)

On  XXXX   XXXX  i went to buy a new toyota   XXXX   and i was ripped. I have asked why they sold me a truck that was  XXXX   XXXX  and gave it to me for  XXXX  they told me it was so help with my credit but i have perfect credit
Consumer complaint received 2020-06-02
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK (NC)

Due to COVID-19, I was laid-off from my job on XX/XX/2020. On XX/XX/2020, I called our VA loan servicer, Midland Mortgage, and requested a mortgage deferment under the COVID-19 CARES Act. The representative that I spoke with said I was approved for a mortgage deferment for XXXX, XXXX XXXX, XXXX, XXXX and XX/XX/2020 mortgage payments. The Midland agent explained that our deferred payments would be placed on the back end of our loan. The Midland agent further said that if we chose to catch up the late payments before XX/XX/2020 our account would be back to a zero balance. Because of previous experiences with Midland Mortgage, I asked the representative to repeat what we were being approved of and I recorded it. 

Later, after not receiving the email that I was told I would receive, nor any written confirmation from Midland Mortgage of our deferment, we logged into our Midland Mortgage online account. In the account summary page, it stated that over {$6000.00} would be due on XX/XX/2020. We called Midland Mortgage on XX/XX/2020 ( at XXXX, XXXX, XXXX, XXXX ), XX/XX/2020 at XXXX and XX/XX/2020 at XXXX to request that they send us something in writing stating the facts and agreement I was told on XX/XX/2020. On all three instances, Midland reps stated that Midland does not offer deferments to move those payments to the end of the loan and we would have a lump sum payment due XX/XX/2020. They stated that they would consider extending for another 6 months or other options after XX/XX/2020. All three reps stated that deferment to the end of the loan can not be done at this time. I recorded these conversations with Midland Mortgage as well. 

Also, on XX/XX/2020, I received a letter for their short-term mortgage assistance program that will allow us to delay payments for 6 months. It did not reference the deferment that we requested to place these payments to the end of the loan that was initially approved and verified on XX/XX/2020. Instead the letter stated a lump sum payment of over {$6000.00} would be due at the end of XXXX. 

I have spoken to several representatives of the VA Regional loan center who has verified by phone and in writing that it is our choice to request a lump sum payment or put those payments to the end of the loan right now, not evaluate in 6 months. Please help us with getting the Deferment for our mortgage with our loan servicer, Midland Mortgage as illustrated in the rights of the CARES Act. We have attached several documents to support our complaint. Those previously referenced recordings are available upon request.
Consumer complaint received 2015-05-07
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem with fraud alerts
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Today ( XXXX/XXXX/2015 ) while riding my bike in the neighborhoods around XXXX I lost my entire purse/wallet which all foolishly contained my State I.D, Social security card, Bank credit card and XXXX ( clothing store ) credit card and other important documents I need all the help that is available please feel free to contact me a.s.a.p. Thank You!
Consumer complaint received 2017-05-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Consumer Telecom & Utilities Exchange, Inc. (IL)

Someone opened an XXXX XXXX XXXX account in my name and the account is fraudulent. The account has a balance of {$250.00}. It was opened on XX/XX/2016. I have filed a police report and have spoken with XXXX XXXX XXXX regarding this matter. Hopefully it will be resolved soon.
Consumer complaint received 2022-02-15
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)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Consumer complaint received 2015-07-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Global Portfolio Recovery, LLC (CA)

I continuously receive calls from Global Portfolio Recovery claiming that they access to my social security number with a claim against me that I owe on a debt that I am unaware of. They call my work and cell constantly! It gets to the point that I need to put my phone on silent.
Consumer complaint received 2017-05-01
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. (VA)

Ex  perian is listing 11 incorrect addresses, 2 accounts I have never heard of, 2 inquiries I did n't do, a spouse/co applicant name and somebody else social security number on my credit report. Their so called investigation still left these fraudulent and erroneous items on my credit report. I am writing you asking for help.
Below is the erroneous and fraudulent information they have listed on my credit report that needs to be Removed  .     Addresses : 1.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  2.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  3.  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  4.  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  5.   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX  VA  XXXX  6.  XXXX   XXXX   XXXX ,  XXXX   XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX   XXXX .  XXXX   XXXX   XXXX ,  XXXX  VA  XXXX  ACCOUNTS :  XXXX . Account Name :  XXXX  ACCT #  XXXX  2. Account Name :   XXXX    XXXX  ACCT #  XXXX  SPOUSE OR CO APPLICANT :  XXXX   XXXX  INQUIRIES :  XXXX  DATE :   XXXX   XXXX   XXXX       XXXX   XXXX   DATE :  XXXX   XXXX    XXXX   SOCIAL SECURITY NUMBER THAT IS NOT MINE :  XXXX    I read this weekend that a credit report is to be 100 % Accurate and timely. Well thanks to Experian putting 11 incorrect addresses, 2 incorrect accounts, 2 inquiries I did n't submit or give anybody to submit on my behalf and Experian putting another person social security number, my credit report is not close to 100 % Accurate.
Experian has failed in holding up their end of the FCRA, please have them remove the above listed fraudulent, inaccurate and erroneous information from my credit report.
Consumer complaint received 2016-07-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: NATIONWIDE ACCEPTANCE LLC (GA)

I have contacted and sent Fraud Affidavits to Nationwide Southeast. Also, I have disputed this account with XXXX and XXXX who stated that Nationwide Southeast verified that this account belong to me. I find that hard to believe since I was never able to get a response back from Nationwide Southeast. So, I really need your assistance in getting this matter resolved. I am tired of going back and forth without getting in results.
Consumer complaint received 2021-05-21
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Telerecovery Corporation (AL)

I dispute this alleged medical debt for 2 reasons : 1It is a direct HIPAA violation which is a failure to comply with any aspect of HIPAA standards and provisions detailed in detailed in 45 CFR Parts 160, 162, and 164. ... Failure to implement safeguards to ensure the confidentiality of a given patient. 

2 Under the Fair Debt Collections Practices Act ( FDCPA XXXX. I have the right to request the validation of the debt I owe you. So please provide me with the original creditor documentation/records. And a sworn affidavit from the person who handled these records. As well as proof of release of any part my medical records to you ( a third party ). 

If you do complete the above tasks... I will be taking legal action against you ( Tele Recovery of Louisana and XXXX XXXX XXXX XXXX for releasing part of my personal medical records.. .without my prior authorization. 

In summary.. .it would be in your best interest to delete this debt on all 3 credit reporting agencies or face legal ramifications.
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC (FL)

West lake continues to report the incorrect amount to XXXX they have my loan amount listed {$1700.00} more than what I owe and more than what is showing on my statement, they keep reporting this inaccurate amount of {$15000.00}. The accurate amount that should be reporting to XXXX is {$14000.00} which is the amount that is on the statement from XX/XX/2018! Westlake is violating the FCRA federal law they keep updating my XXXX report with this inaccurate balance which keeps hurting my credit score. I will contact a lawyer if westlake does not update the account with XXXX to the correct amount!
Consumer complaint received 2018-03-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (PA)

Experian Report # XXXX Date XX/XX/18 Experian stated that XXXX XXXX XXXX XXXX is a mail drop or delivery service etc. 
Experian also states it as a non residential Address and perceived as a high risk. 

Experian has error after error and did not justify or provide any proof of this not being an address. 
I have provided proof from XXXX web site as insurance policy I had on my car insurance stating this address as well. 

Experian has the habit of just making up words on complaints with no proof or documentation. 

XXXX at XXXX XXXX XXXX XXXX Nevada XXXX XXXX office # XXXX
Consumer complaint received 2015-08-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (WI)

I have a XXXX account that claims I have XXXX % utilization or XXXX/XXXX where it should beXXXX/XXXXI have a XXXX account that says I have aa XXXX % utliztion or XXXX/XXXX where it should be XXXX/XXXX
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (MI)

Sent Equifax certified mail XXXX which they received 32 days ago. I have not heard back from them and am locked of out viewing my equifax report. I contacted them asking them to show me how they came back as the account with XXXX XXXX being 'verified '. Still, no response. I sent them a fax an additional XXXX times asking them to give me information on the account. Since it 's been over 30 days, this needs to be removed immediately.
Consumer complaint received 2015-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NJ)

My home mortgage company Ocwen Loan Servicing , LLC took over our account from XXXX XXXX. They changed our online account access and we are no longer able access our account. We followed the enrollment process and they have made it impossible to access our account. We discovered they were pulling from our account almost 30 % of the need escrowed value. This is being done fraudulently. We have made repeated calls and got no where.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Recently, an agent of Regions bank solicited me for a Home Equity Loan he knew from previous contact I might be interested in. Months ago a deal fell apart because of the upfront money Regions required of me. I was n't willing to use all my savings to get the loan. In XX/XX/XXXX when he called I told this agent that XX/XX/XXXX my mortgage would be under XXXX and at that time I would try again with Regions and other institutions. XX/XX/XXXX he called saying Regions had a great deal I would qualify for. The deal was not a good XXXX considering the market rate at the time was a whole point or more lower than what he was telling me was a good deal. He knew already how fabulous my credit score was ; Regions ran it again, and it was XXXX, I have no other debts, other than this mortgage. Now I ask you, why would that bank try to excite me about a rate of 4.25 & possibly getting it as low as 4 % for me, when they had to know home equity rates were around 2.75. Yes, I am a XXXX American woman, why am I not offered the best available when I more than qualify. My current home loan rate is 5.875, which when acquired in XX/XX/XXXX was a good/best rate at that time. I 'm looking for a better rate to continue my attempt to pay off the property in less than XXXX years, which is why a re-finance is not in my interest because of the XXXX of dollars added in that process.
Consumer complaint received 2024-03-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc. (TX)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.
Consumer complaint received 2024-03-12
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY (IL)

In XXXX, I received 3 AMEX prepaid gift cards with a balance of {$25.00} on each gift card, so a total of {$75.00}. When trying to use these cards at any store in person or online, I am always declined even though all of the card balances say {$25.00} on the AMEX website. When adding the card to websites online, it charges me a small fee of about {$0.00}, and STILL doesnt go through with the purchase. I have tried to resolve this issue with customer service multiple times, but I have never came to a conclusion as to why this is happening.
Consumer complaint received 2015-06-05
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Delbert Services (NM)

This is my XXXX complaint about Western Sky Financial. I got a call from their thrid party company a man name XXXX XXXX leaves a voice mail saying he is coming to my house with the sheirff deparment to serve me documents on a case against me, they called froma XXXX on the voice mail he told me to call a XXXX XXXX, I am sick of these low life people and their tactics.
Consumer complaint received 2017-02-18
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Resurgent Capital Services L.P. (NC)

Did not provide me with any verification that this belongs to me. I have sent two letters to them with know response. I have sent a certified letter with return receipt. This was removed from my credit report and put back on as a new collection, according to the laws written they are in violation.
Consumer complaint received 2017-03-02
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Real Time Group, Inc. (IL)

RTR is claiming I owe them XXXX on a second mortgage but the date of first delinquency is XX/XX/XXXX, which is beyond Illinois 5 year SOL. They are also reporting this information to XXXX, including a continual late every month for the last 6 years, an overdue balance and current amount due. This particular loan was secured by property which was foreclosed on by XXXX XXXX. RTR was never listed among the plaintiffs ( as XXXX was ). This foreclosure occurred in XX/XX/XXXX. RTR has NEVER verified any document which states how, why or where they have a valid claim to a 2nd mortgage. They were not on any court documents provided by the county and plaintiffs. It is as if they just " leached '' onto a distressed property in hopes of lining their pockets. 

In addition, it is my understanding that this account should have been legally charged off after 180 days, which further validates RTR 's negative motives in this situation. A legitimate lien holder would follow proper legal laws. I have the original mortgage, deed, warranty and court filings ( much to much to download ) which have zero reference to these people. 

Attempts to contact RTR have ended with an automated voice system hanging up on me.
Consumer complaint received 2018-03-19
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. (AL)

Equifax has a Bankruptcy showing in my credit report that IS NOT MINE, I have never filed for bankruptcy, and there is not a clear cut way to protest this record for me so far, also the record shows false information reported by XXXX, i have never filed bankruptcy,
Consumer complaint received 2018-03-19
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION (NC)

On XX/XX/XXXX I applied for a checking account to fulfill the requirements for an advertised {$200.00} bonus. I've included a snapshot of the bonus advertisement. I received a {$350.00} direct deposit, fulfilling the bonus requirements, and have been waiting for the bonus to post. I haven't heard back from a message I sent XX/XX/XXXX.
Consumer complaint received 2016-08-08
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P. (VA)

I never opened an account with LVNV or XXXX. In XXXX of 2016, My parents forwarded me a letter that was sent to their house at a XXXX address. After reviewing my credit report, it appears there is a company called XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX w/phone number XXXX. I have since mailed a letter to XXXX XXXX to ask them to provide correct information. I want to know how they are allowed to collect on this alleged debt, who owns this debt, and if to understand what legal precedence thy have to contact me. If in fact they can prove they own the debt. I 've heard of companies collecting on debts they do n't owe and I 'm trying to do the right thing and get all of this misinformation cleared up.