davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (WA)

I have been receiving calls regarding a {$530.00} debt with XXXX XXXX, the only debt I have ever had with XXXX XXXX was paid off long ago and the total amount does not match the previous debt. They gave me a time limited offer to allow me to satisfy said account for 35 % of that total. I called them today XX/XX/20 to see if they could verify the debt and would not do so without my original account number and social security number. This debt is not on my credit report and I do not and have not had a XXXX XXXX account in over 10 years. I did not give them any information as they were unable to verify the debt 's legitimacy.
Consumer complaint received 2022-08-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (TX)

Moved out of Apartment in XX/XX/2022 In XX/XX/2022 Received Letter from Debt collector for {$2300.00} but never received bill or list of what charges were for. I was in a month to month lease and left due to apartment was vandalized while I were away from home and wrote letter to Landlord letting them know i was vacating for fear for my safety. 

email sent from me : Sent : Wednesday, XX/XX/2022 XXXXXXXX XXXX To. XXXX XXXX I would like to give immediately notice that I have vacated the apartment, My apartment was broke into and vandalized I could not lock my apartment due to lost keys and lock repair never completed I fear for my life. 
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 

Thank you XXXX XXXX I Forwarding Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Consumer complaint received 2022-04-06
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, my name is XXXX XXXX and I am complaining about the XXXXXXXX XXXX/ account under the # XXXX that is reporting on my credit report. I have filed a FTC complaint under the # XXXX as well as providing additional information about this account that it is not mine as I never opened this account and this is not my information. There has been no evidence provided to me that proves this account as mine or no response in over 30 days from either the creditor or credit bureau.
Consumer complaint received 2022-04-06
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC. (FL)

I contacted wakefield and associates multiple times and emailed documents twice about removing this {$1300.00} debt that is now {$1400.00} on my credit by XXXX XXXX XXXX XXXX. I was promised it would be removed and till this day its still on there. This bill was paid on XX/XX/2019 by XXXX XXXX XXXX at time of discharge. This was never owed. The hospital sent me docs to prove. I submitted complaint to XXXX  and wakefield did not reply.
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (WA)

I received a letter in the mail from a company called CCI ( Contract Callers Inc. ) on XX/XX/XXXX stating that I owe {$130.00} from a default consumer. I did not owe anyone any money and I have great credit ratings in the XXXX 's. I called this company and they said that I owe a company called XXXX XXXX the money for not paying them. I advised that I do not owe them and it was a scam and they were trying to commit fraud. CCI did not check the source of the company they were trying to collect for and I believe may be involved in the scam or fraud. They told me I had to write them in order to dispute the matter. I wrote them XX/XX/XXXX disputing such amount owed for I never received goods from this company. The sent me a letter back on XX/XX/XXXX stating I needed to fill out identity theft paperwork asking for all my personal information. I in return sent a letter back to them on XX/XX/XXXX stating it was not identity theft but a scam and fraud and to check into the company that they are collecting for. I then received a call from CCI threating me to send this to my credit report which was already done and in so hurt my credit rating lowering it to XXXX. I did some digging into XXXX XXXX and within the last 6 months they have done this to multiple people. They do this to commit fraud, hurt your credit, and collection agencies go along with it. This is not fair to anyone of those people including myself and they should be prosecuted for fraud.
Consumer complaint received 2017-08-11
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC. (AZ)

This company calls for a person by the name of XXXX XXXX, constantly day in and day out! 

They use a robocall phone calling system to make their phone calls with a number list it as, XXXX XXXX XXXX! 

They say to call this toll number to speak with them. 

I will not spend my money to call this number because I am not the person that they 're trying to reach. 

This company has a recipe on a continuous basis and will cease and desist doing so if they do not I 'll take legal action against them! 

This company has violated my rights to, peace and enjoyment!
Consumer complaint received 2022-04-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (DE)

The mortgage loan was paid in full as of XX/XX/2022. The company, nor I, owe any additional payments, charges, fees to Select Portfolio Servicing Inc ( SPS ). In fact, the mortgage loan was overpaid on purpose so XXXX XXXX XXXXould realize that the balance will come to {$0.00}, regardless of how many illegal, deceptive, unethical, non-transparent and more importantly pure theft charges, fees and " made up '' balances they want to attempt to make. 

There is a bank account that was linked to the online payment system within SPS at www.spservicing.com. This is a primary bank account that is treasured. Low and behold, what do you know?! SPS has found a way to LOCK, BLOCK and completely STOP the bank account to be fully removed, even though there has been a XXXX Balance / Paid In Full Account dating back to XX/XX/2022! 

See the attached screenshots. This is a literal fact that SPS has completely removed all abilities for me to legally remove my bank account from the online account. 

Here is the icing on the cake!! 

Select Portfolio Servicing Inc. has done it yet again. They not only have locked me out from removing my bank account from the online system, but they also have recurring payments scheduled starting XX/XX/2022! This is pure theft! The mortgage loan is completely paid in full over a month ago. And SPS finds a way to top themselves yet again! 

My bank account must be removed this week by Friday XX/XX/2022 at XXXX PM EST. 

All banking information and banking accounts must be fully removed from my online account Friday XX/XX/2022 at XXXX PM EST. 

All current, pending and future illegal payments that SPS has in their system and all payments that SPS has completely and illegally locked me out from disabling and voiding out, needs to be fully removed and updated by this Friday XX/XX/2022 at XXXX PM EST. 

This is pure theft, this is illegal, this is highly unethical, and I will not stand for this for another moment.
Consumer complaint received 2017-08-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BBVA FINANCIAL CORPORATION (AZ)

7 years ago my ( XXXX, who XXXX 3 years ago ) husband had a credit card. 7 years ago we owed {$6000.00}. Today I owe {$4300.00}. BBVA Compass Bank is charging me 14.240 % on {$2500.00} purchases. 23.240 % on {$1700.00} cash. This company has been gouging me on interest payments. I am XXXX, in a XXXX and on XXXX. I only have XXXX XXXX and no other assets. After paying rent, food, utilities, insurance premiums and prescription drugs ( plus minimum payments to Compass Bank ), I only have {$28.00} left. I ca n't even afford XXXX XXXX, clothes or shoes. I called on X/XX/17 at XXXX XXXX and the bank would not even look up my account. I was put on the debt list because I missed the due date by one day. I do n't have the credit card anymore, because my husband XXXX 3 years ago. The bank was not helpful at all. I asked to speak to a manager, but she was unavailable. I tried to go to a Debt Consolidation Company, but you need debt of at least {$10000.00}, so I do not qualified.
Consumer complaint received 2020-10-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Velocity Portfolio Group (WA)

I have been receiving calls regarding a {$530.00} debt with XXXX XXXX, the only debt I have ever had with XXXX XXXX was paid off long ago and the total amount does not match the previous debt. They gave me a time limited offer to allow me to satisfy said account for 35 % of that total. I called them today XX/XX/20 to see if they could verify the debt and would not do so without my original account number and social security number. This debt is not on my credit report and I do not and have not had a XXXX XXXX account in over 10 years. I did not give them any information as they were unable to verify the debt 's legitimacy.
Consumer complaint received 2017-08-11
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: American Credit Acceptance, LLC (GA)

I traded my vehicle in at a car dealership and was approved for a new loan. I received the paperwork and was informed by the dealer that my loan would be paid off. I called my old finance company and informed them that the vehicle had been traded and not in my possession anymore. They continued to call me for payment. There was a delay on the dealerships part in paying off the loan. I receive an email finally that the finale company in question received the payoff after the delay. However they have reported me LATE as well as saying I owe them {$230.00}. ( Im assuming late fees ). I have never missed a payment with them and had an excellent payment history so I am upset that they would report me late and charge me fees for something that was no fault of my own. There was a delay with the dealership for some reason and I informed the rep from my finance company that the car was not in my possession anymore. I would like this late payment removed from my credit report and to be relieved paying these late " fees ''. I also fault the dealership for delaying the payoff. Date of purchase/trade- XX/XX/2017. I would like the late payment removed from my credit. I would also like a letter in writing from the dealership explaining the delay in the payoff and explaining that the vehicle was not in my possession anymore. I also want to be relieved of paying late fees on a vehicle that I traded. I want this complaint to go to the dealership as well as my previous finance company.
Consumer complaint received 2024-05-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CL Holdings LLC (LA)

I file a complaint on XXXX XXXX XXXX case # XXXX XXXX. They responded that they sold my account to Jefferson Capital, which according to consumer law that is illegal. Jefferson Capital have called me several times and sent me letters. According to 15 USC 1692e ( 14 ) False and Misleading Representations- The use of any business, company, or organization name other than the true name of debt collector 's business, company or organization. 
15 USC 1692j- Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating the collection or in attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with provision of this.
Consumer complaint received 2022-04-06
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American First Finance, Inc. (TX)

I filled out the identity theft form and provided proof that I don't live in that city on XXXX first and I also reschedule put to them in XXXX letting them know that the account was fraud and they didn't do anything. And everything I try to call they al hang up and can't give any information on what's going on.
Consumer complaint received 2018-09-20
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

Capital One is repeatedly calling my child 's mother 's parents in an attempt to collect a debt. This is an abusive practice as the attempts to communicate with such persons as occurred more than once, they have identified from where they are calling without being expressly requested. Doing so has purported the implication that a debt is owed. The creditor has no reason to believe that I have ever resided at that property or could be found at that number. The owners of this number have reached out to me as they feel harassed by these abusive collection practices. The purposes of these calls are to defame, embarrass, and humiliate the debtor. This is damaging to my character and personal reputation in addition to causing strain in my personal relationships.
Consumer complaint received 2023-01-23
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. (VT)

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have never lived at these addresses as stated on my credit report. THIS report IS INACCURATE. : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX OR XXXX XXXX XXXX XXXX, IL XXXX I have not updated the status of the account XXXX XXXX : # XXXX and this report appears to be older than 7 years old & should not be reflected on my report for any reason.
Consumer complaint received 2020-08-19
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT AND AN ENTRY IDENTIFIED AS INQUIRY THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT AND TO MYSELF. I HAVE NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO OBTAIN THIS ACCOUNT AND INQUIRY WITHOUT FIRST BEING AUTHORIZED BY ME. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2024-05-16
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: AMERICA FIRST FEDERAL CREDIT UNION (NV)

I purchased a motorcycle from a XXXX XXXX dealer. America 1st credit union was the lender used to finance the bike. The policy at XXXX XXXX is that you need to furnish insurance on the bike before you can take delivery of it. After a few months, the contracted payment amount of XXXX a month more than doubled to over XXXX a month. Apparently the type of insurance used wasn't what the credit union wanted so they added a {$3600.00} premium to my loan in the form of force placed insurance. According to the lender I was contacted via traditional mail to notify my. Not a phone call or an email which is how I'm contacted by them for any other reason. I use the same insurance for my other 2 bikes and it's never been an issue. I was able to remove a portion of the force placed insurance. About XXXX of the total amount. The remaining balance of XXXX the refuse to remove because I used the un needed insurance for one month and that is the monthly premium. XXXX for one month of motorcycle insurance. That's more than I pay per month for 6 vehicles. Also my payment is still XXXX and not the contracted account of XXXX.
Consumer complaint received 2017-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I 've spoken with 3 representatives from Transunion within a month. I have inquiries that I did not authorize and was removed. Due to a glitch they were added back on my report without a 5 day written notification. The companies did not have my permissible consent to pull my credit.
Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. In accordance with the written instructions of the consumer to whom it relates. To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account.
Consumer complaint received 2017-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Consulting Services, Inc. (CA)

Credit Consulting Services of XXXX, CA continuously reports that I owe {$3200.00} to XXXX XXXX School. I sent them a letter from the school stating that I do not owe them anything, but CCS continues to report false information about me that is hurting my credit report. Please see attached letter from the school. Please help me, this is illegal.
Consumer complaint received 2021-07-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

It has been over 60 days since i submitted a dispute the with no response. I submitted a letter on XX/XX/2021. I do not know if im being ignored or what. I feel as though i am being taken advantage of. I demand these accounts be removed immediately. I refuse to wait another 45 days for a response.
Consumer complaint received 2019-11-04
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. (TX)

Ive contact the Credit Bureaus several times asking them to remove address that arent mine and some accounts that arent mine ... they stated that they did an investigation and the results were either accurate or verified but they arent providing me with the information that they used to verify I want to see signed documents with my name on it from these companies and they arent doing that so I am unsure how to proceed to get this situation corrected. 
My car was stolen and several names and address variation on my credit report does not belong to me. 
They said it will be removed but some of it hasnt and I dont know how to go about this it is costing me money to constantly mail out letters to have this stuff removed.
Consumer complaint received 2018-04-05
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: PMAB,LLC (CA)

PMAB LLC is calling me multiple time prior starting at XXXX XXXX. I live in CA. They are calling to contact my daughter who lives in SC as a XXXX XXXX about a {$65.00} bill which we have never received a statement for. I have told them 3 times that they are in violation of the FDCPA by doing this but their snarky attitudes prevent them from admitting to this. After my last communication with them about this on XX/XX/18 I called back and they claim they do not have an account associated with my phone number, very convenient. They also claim they have not called me prior to XXXX XXXX.
Consumer complaint received 2020-05-22
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. (MD)

I HAVE SENT SEVERAL COPIES OF A CANCELED DEBT FROM XXXX XXXX XXXX XXXX  SENT TO ME FROM THE IRS TO XXXX  CREDIT REPORTING AGENCY. THE COMPANY TELLS ME THEY HAVE NOT RECEIVED ANY OF THE LETTERS OR FAX COPIES I HAVE SENT THEM. THEY REFUSE TO REMOVE ACCOUNT BECAUSE IT'S BEEN INVESTIGATED SO MANY TIMES ALREADY AND REFUSE TO ACCEPT THE LETTER FROM THE IRS THAT IT WAS CANCELLED AND REMOVE FROM MY CREDIT REPORT. THEY WILL NOT SEND ME PROOF THAT I ASKED FOR THAT A REINVESTIGATION HAD BEEN DONE AND ONLY GO ON THE DISPUTES FROM 2018. I HAVE MADE SEVERAL ATTEMPTS THIS WEEK TO GET THROUGH TO THE CREDIT REPORTING AGENCY WITH NO HELP OR ACKNOWLEDGEMENT THEY HAVE AN UPDATE ON A PREVIOUS DISPUTE WITH EVIDENCE IN HAND.