davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-10-20
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX and XXXX Credit Bureaus is reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Consumer complaint received 2020-09-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Exeter Finance, LLC. (OH)

I Purchased a vehicle through Exeter finance LLC in XX/XX/XXXX. The vehicle was totaled in XX/XX/XXXX and paid off by XXXX XXXX XXXX in XX/XX/XXXX. All payments for the vehicle were continued and not missed. XXXX XXXX XXXX  mailed a check via XXXX  XXXX  to the finance company but when I called to verify I was told they hadnt received the check. I then called XXXX back and they said the check was received and cashed. The loan was paid off in full. A lady from Exeter finance   company called threatening me that if I did not pay her {$2000.00} via my bank account that she would have this account put back on my credit even after it was removed from XXXX. I asked her what the {$2000.00} was for and she could not tell me all she said that it was a fee or something I told her that the vehicle was paid off by the insurance company. The insurance company had possession of the vehicle but she continue to demand and harass me To pay the {$2000.00} by phone right then and there. There were many inaccuracies And they were removed from all three credit bureaus. She ( XXXX ) was able to put inaccurate information onto my XXXX   credit report that is now hindering my ability to buy a home. This was an auto loan and all the information that she has put on there is inaccurate. It is showing a charge off for a debt that isnt mine. The information is incorrect and does not reflect the original auto loan that was on my credit. That is why the three credit reporting agencies removed it to begin with. I dont understand how someone can put in accurate information on your credit report after threatening you to pay them on the spot that day via my bank account, threaten to ruin my credit and put account information that is not mine or doesnt pertain to me or my dealings with this company. Yet, Im able to be harassed and threatened and my credit ruined and the only company that allowed her to put it on my credit was XXXX. I would appreciate this company to investigate my concerns and remove this inaccurate/untrue account information from my XXXX credit report.
Consumer complaint received 2020-11-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Between XXXX - XXXX I attended XXXX XXXX in XXXX XXXX, Florida. After graduating I began receiving student loan payment mandates. It was confusing because my college was being paid for by XXXX XXXX as I was an employee and any leftover was paid for through applying my G.I. Bill chapter 30 from my military service. I was young and ignorant and began trying to pay the loan I didn't owe from the beginning. I began struggling to repay this loan almost immediately. I have had to request a forbearance at least 10 times over the past 20 years as I can not afford to pay it and XXXX is demanding {$610.00} monthly payment for who knows how long it'll take to repay the loan. Originally, after I graduated, a company called XXXX took on servicing the loan but then sold it to XXXX. XXXX reported that the loan was for {$30000.00} and have been reporting this for over 5 years now as XXXX took over the account XX/XX/XXXX. With interest, XXXX is reporting the loan for over {$65000.00} on my credit report. Twice now, since XXXX I have disputed this with all three credit bureaus, XXXX, XXXX  and Transunion. They have all refused to remove this account from my credit reports. They can not be requiring XXXX to prove the {$30000.00} in loan as XXXX can't prove this. The amounts are certainly wrong. I asked the three credit reporting agencies to have XXXX provide copies of loan contracts that I signed both to me and to the credit bureaus. XXXX has not provided me with one lender signed loan contract. I am requesting that you mandate XXXX correct and delete the loan balance and interest balance altogether and have the credit reporting agencies do the same, immediately as this has seriously hampered my ability to acquire credit. If XXXX can not provide you with proof of lender signed loan contracts then this information is incorrect and inaccurate. In XX/XX/XXXX, the IRS took my {$7000.00} refund check and applied it to my XXXX account as a straight principle payment. XXXX, with XXXX stated today ( XX/XX/XXXX ) on the phone that their system is now showing I owed {$50000.00} on principle when they took over on XX/XX/XXXX. As of the today, XXXX, with interest its {$65000.00}. Pay special attention to blocks 13E and 43 in the four loan requests documents as they were NEVER SIGNED by the lending officer with XXXX, the lender. Therefore, I shouldn't owe anything any money to anyone, to include XXXX.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (NV)

My information was sold and bought illegally because I was a victim of the Equifax Breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of the data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-09-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

AS OF XX/XX/2020, A COLLECTION ACCOUNT WAS REPORTED ON MY PERSONAL ACCOUNT FROM A CREDITOR I HAVE NEVER HAD.I CONTACTED TRANSUNION CONCERNING THE MATTER AND THEY HAVE DONE NOTHING TO RESOLVE THIS. THE CREDITOR REPORTING THIS IS A XXXX, XXXX XXXX  XXXX AND NEVER IN MY LIFE HAVE I BORROWED MONEY PERSONALLY FROM THIS ENTITY. IT IS BAD ENOUGH TO BE STRUGGLING FROM COVID-19 BUT TO HAVE THIS HAPPEN TO ME RIGHT NOW IN THE MIDST OF BUYING A HOME FOR MY FAMILY, TRANSUNION HAS LET ME DOWN.
Consumer complaint received 2021-04-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION (CA)

My name is XXXX XXXX XXXX XXXX, I am submitting this complaint for myself, attorney-in-fact. Fact, the fair credit reporting act states that the banking system is dependent upon fair and accurate credit reporting so be, and I have been violated by this debt collection company. I have also been violated under the Truth In Lending Act and FDCPA by this company and lawfully demand remedy as a US consumer. PLEASE properly address & remedy the attached documentation.
Consumer complaint received 2021-10-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION (PA)

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. This item is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Consumer complaint received 2021-08-20
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: Phoenix Financial Services LLC (NJ)

I have 36 inquiries in my credit report and I have never applied for all those companies, the only thing I ask is that they remove that from my credit because that is damaging my credit
Consumer complaint received 2020-09-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (TX)

Account Name : MIDLAND FUNDING. 
Balance : {$1600.00}. 
Date Opened : XX/XX/2018 Submit the information and identity theft report to report that this account is fraudulent. 
Send the claim by the Credit Companies like XXXX, XXXX, XXXX  but I don't get any help. 
They know, I never live in the United States and just move last year to here.
Consumer complaint received 2021-10-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (NY)

I had made a complaint to your department about a problem I was having with JPMorgan Chase Bank in XX/XX/2021. I did get a response from the bank who wanted me to submit a form and current Letters of Trusteeship. I emailed the documents to the abandoned property department at JPMorgan Chase Bank and as of this date XX/XX/2021 I have not heard from the bank about this matter. 

I am the Trustee of the XXXX XXXX Trust at JPMorgan Chase Bank their case number is XXXX. It has been almost year since I first contacted the bank about this issue.
Consumer complaint received 2023-01-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Kikoff Inc. (AL)

didn't open account don't know what kikoff is caused my credit score to go down want removed and credit score fixed back to XXXX fix my credit score back to XXXX remove kikoff never opened it don't know what it evan is
Consumer complaint received 2021-04-11
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. (NC)

I have contacted Equifax, XXXX  and XXXX  several times via mail and via phone. I sent letters on XX/XX/2021, XX/XX/2021 and XX/XX/2021. I have supplied documentation as well as sent letter regarding the inaccurate information being displayed on my report. They still continue to use this information that they can not validate that it belongs to me because it does not.
Consumer complaint received 2024-03-01
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (WA)

On XX/XX/year> I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. 

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile.
Consumer complaint received 2021-10-12
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

XXXX XXXX XXXX, fraudulently placed an invalidated debt collection on my credit reports. I have demanded that XXXX XXXX XXXX ( XXXX ) remove the debt unless they are able to provide me with full documentation per my instructions to validate the alleged debt as is my legal right under the Fair Credit Reporting Act. 

Furthermore, I disputed the odious debt with Experian directly and they delivered less than satisfactory results i.e. Experian did not acknowledge my legal right or debt validation rather Experian claimed that the debt had been verified. However, as XXXX never sent my any written notification of the alleged debt, instead committed fraud by placing the alleged debt directly onto my credit reports, the alleged debt has never been verified nor validated by me!
Consumer complaint received 2020-06-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX  and Transunion are reporting ( i ) bankruptcy in my credit report and ( ii ) wrong balances of my car loans from XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX consistently. They are engaged in " willful FCRA '' violations. I have hopelessly spent over XXXX XXXX  in attempting to correct this issue and including many other credit errors, since XX/XX/2019 2019
Consumer complaint received 2020-11-04
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC (AZ)

HCI notified me on or about XX/XX/2020 of an alleged debt being collected. Under the FDCPA, a debt validation was submitted to the organization within 30 days. HCIs response only included a billing statement indicating a balance but provided no documentation to indicate that the alleged debtor has actual responsibility for the alleged debt. As such, the original creditor listed in the alleged debt made no attempts to collect any alleged monies owed nor made any attempt to indicate that any balance may have been owed.
Consumer complaint received 2022-04-26
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Maximus Federal Services, Inc. (FL)

I've been trying to erase false information from my credit report for the past 6 years, but XXXX refuses to provide me with legitimate paperwork to prove legitimacy. I have XXXX accounts that have been on hold since XXXX. However, they are reporting these accounts 180 days late for whatever reason. I have all of XXXX XXXX  emails from XXXX as well as phone calls to XXXX and XXXX to rectify inaccuracies on my credit report. 
I called AidVantage Manager XXXX ID XXXX from the Department of Education today, and AidVantage was quite rude, refusing to allow me talk, and denying that my certified mail had been received, which is false. 
I filed dispute again today XX/XX/XXXX with XXXX XXXX from dispute department XXXX XXXX. 
Its affecting my ability to receive loan for my business or advanced financially. 

Thank you.
Consumer complaint received 2021-10-12
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (IL)

I was victim of fraud XX/XX/XXXX. Fraudsters opened accounts in my name. I had lost my capital one credit card at Walmart. It fell out my purse didnt know this. As result charges were made on my card that I didnt make.I hadnt used my capital one card in years and it had XXXX balance at the time this happened. All charges on this card totaling XXXX were not made by me. I have disputed with capital one who claims it was me but will not provide me with evidence they have proving it was me other then statements with charges on it. This doesnt prove anything. I have provided police report and anything else they asked for. Im asking for this to be resolved ASAP this has been going on for years
Consumer complaint received 2020-12-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC (PA)

On XX/XX/XXXX I pull my credit report and found out that Transworld System : TSI/XXXX/ ORIGINAL CREDITOR : XXXX XXXX ACCOUNT # XXXX. I am filing this complaint against them for non-compliance violations. I wrote them a letter of validation on XX/XX/XXXX certified mail with return receipt. They received on XX/XX/XXXX. The Transworld System has the following non-compliance violations:1 ) They show no proof that they have an agreement with the original creditor to collect this alleged debt. 
2 ) They have no copy of a signed contract where I allegedly agreed to pay the charges. 3 ) The medical bill reveals personal medical information about me. ( This is violation HIPAA- HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ), rules prohibit disclosing my individual 's protected health information unless you specifically authorized them to. 4 ) Creditor is reporting history inaccurately such as last date reported and last activity dates are all wrong : The case US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan. This defamation and causing me financial injury. The fine extent of damages incurred by the wronged party as deemed by the court. 5 ) Collection agencies " Re-Age '' by reporting the date of last activity instead of the date of the first delinquency. 6 ) Collection Agency, has not validated my debt and they are still continue to report to the credit bureaus. Consumer protection afforded by the FDCPA Sec. 809 ( b ) FTC opinion letter Cass from LeFevre fine of {$1000.00}. Be aware that I am making a final goodwill attempt to have you clear up this matter by removing this item from my credit report. I am maintaining a careful record of my communication. I further remind you and the credit bureaus as in Wenger v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14, 1995 ) you may be liable for your willful non-compliance. This matter is harmful to me especially doing this COVID-19 panedamic please delete immediately.
Consumer complaint received 2017-12-15
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Peerless Credit Services Inc (PA)

I had received a bill of {$140.00} from a dermatologists in XXXX that I had paid for via my XXXX Credit card through XXXX Bank. This was my second visit with them since one that I had in XXXX. I also paid that bill of {$140.00} through my XXXX credit card. The first payment for the visit in XXXX was for {$55.00} and it was paid on XXXX/XXXX/XXXX, one month after my visit at the doctors. I received a letter on XXXX/XXXX/XXXX from Peerless Credit regarding this very debt of {$130.00} ( the full payment before interest fro the credit card ) as being unpaid as of XXXX/XXXX/XXXX ( the date of the original payment via my credit card ), and if I did not pay it, that they would release this " unpaid '' account to their attorney at the XXXX XXXX Offices. Not thinking about this sooner, I have already submitted a partial payment of {$25.00} to them on XXXX/XXXX/XXXX. it was n't until now I realized that I did pay this bill off in XXXX via the aforementioned credit card agency. Peerless Credit 's phone number is XXXX they are located at XXXX XXXX XXXX XXXX XXXX PA XXXX. I have researched this company and they have numerous complaints stating that they consistently break FDCPA laws. I have attached three screenshots of the bank statements that I have received, the first one from XXXX, the second one from XXXX, and the third one from XXXX. I am hoping for this issue to be resolved, and for my payment to be returned to me. Thank you.
Consumer complaint received 2021-08-20
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. (TX)

A unknow person tried to used my credit to obtain merchandise, phone service, vehicles, credit cards and other items. The assailant was unsuccessful in getting any physical items, but this still impacted my life. The unknow person left negative inquires on my credit file. This is a false representation of my true potential. This person is unknown to me and I can not offer any details, but I do want this matter of these inquires removed from my personal credit file. See attached file for detailed list of inquires that appear on file.
Consumer complaint received 2021-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Action Collection Agencies, Inc. (MA)

DEAR ACA OF XXXX ; Hello, Im shocked, surprised, stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Don't waste my time by partially responding to this demand. Therefore, I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees XXXX Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
Consumer complaint received 2020-12-02
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: KBHS Home Loans, LLC (FL)

XX/XX/XXXX KB Homes ran my credit without my consent and caused damage to my credit score. I spoke with the lender who ran my credit without my consent and he said that " I'm Sorry '', he just did what the other lender told him to do. He felt bad about my situation but he never resolved the situation. He said dont worry is only a few points, I'm very disappointed and I want to make sure my credit is the same as before their ran my credit and most important alert others about what they are doing.