davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-04-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Allied Collection Services, Inc. (Nevada) (CA)

Allied Collections Services Inc ( ACSNV ) located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, has placed a false collection of {$5300.00} dollars on my account. 

I have explained them that it is clear case of Identity fraud and also explained I was not even present in the country to do cash withdrawal. 
Due to there lack of due diligence someone has withdrawn money out of my XXXX XXXX credit card without my knowledge.I quickly called XXXX and reported a fraud for those charge. 
Collection company is now harassing me by placing the collection on my account and ruining my credit history.

I have never even missed a single payment on my credit card and my Credit Score has always been above XXXX. 
Tried explaining the same thing to the Company but they are just strong headed to understand or even help me resolve the situation. 
There contact number is XXXX
Consumer complaint received 2023-03-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc (PA)

I have contacted affirm inc several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. affirm inc received a tax deduction for this charged off accounts : XXXX but i never received my 1099c form this is tax fraud affirm inc has committed . this account is inaccurately being reported to XXXX. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by affirm inc .
Consumer complaint received 2021-02-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: GLOBAL PAYMENTS DIRECT INC. (GA)

I have two checking accounts with my financial institution XXXX XXXX, in which have been establish for over 13 year. One checking account ending in XXXX and XXXX. Both accounts are legit and are linked to each other for transferable financial interaction. The checking account ending in XXXX, was the account rejected by a payee of a bill and the account also serves as a OVERDRAFT ACCOUNT because of substantial amount of funds are that are kept there on a daily basis, and both accounts are liked to a financial institution major credit card with the capability of also covering funds and transfers. I don't understand the rejection of the check written under account XXXX. I would like this issue resolved.
Consumer complaint received 2024-02-22
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 USC 6802.
Consumer complaint received 2021-11-01
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. (MI)

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on LVNV FUNDING LLC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Consumer complaint received 2018-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (WI)

Navient keeps calling my parents looking for me and college debt. I didn't borrow for college. I called them on XX/XX/XXXX, and gave them my info. Their reply, you have NO loans. We will take you off the call list. They admitted they get the numbers by XXXX person and city. I asked for confirmation from supervisor. gave them 2 emails addresses. NOTHING. Now they are calling again less than a week later.

FYI. kids college loans are paid off too.

WHAT GIVES??
Consumer complaint received 2021-02-23
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I've been out of work since XXXX of XXXX I have a vehicle with credit acceptance I also co signed with them for a vehicle for a friend which they are not paying I know being that I co signed I am responsible but XXXX XXXX XXXX  which I informed them they sent me a letter an email that until XXXX XXXXthey will not atempt to collect the debt nor will they report to the credit companies an they did late payment for 2payments I've called numerous times about this an basically told me it's there nothing they can do or will do I contracted covid XX/XX/XXXX on XX/XX/XXXX the letter I received end date XX/XX/XXXX the amount is XXXX for two months this is for the XXXX XXXX
Consumer complaint received 2023-02-06
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

On XX/XX/XXXX, I paid my credit card in full as per the due date on my credit card app. The total amount was {$870.00} ( see highlighted in the attachment ) I assumed it had been paid on time. However, on XX/XX/XXXX the credit card company charged me a late fee of {$15.00} and an interest charge of {$14.00} on XX/XX/XXXX. I promptly called the credit card company and asked them why they were adding these charges to my account and they stated it was because I paid an hour later than the due time. Note that I paid my balance in full on XX/XX/XXXX which, according to a universal definition of time is XXXX XXXX  on XX/XX/XXXX. However, the credit card company states that it should be by XXXX XXXX however this is not listed on the due date in the payment app and therefore it is misleading. I was having internet connectivity issues which is why I paid on XX/XX/XXXX around XXXX XXXX which I assumed was on time because it was not midnight. I have been with the same credit card company since 2011 and always paid on time. 

I explained the situation to the customer service agent at capital one, and she understood and gave me credit for both the late fee and the finance charge on XX/XX/XXXX ( see highlights in the attachment ). 

The issue was resolved and over with and I expected no further action. 

However, on XX/XX/XXXX capital one placed an interest charge of {$10.00} on my account even though I paid my balance in full on XX/XX/XXXX. When I called and asked why they stated that it was because of the late payment in XXXX. This makes no sense because the XXXX issue had been resolved and done with. 

Capital one is trying to place unnecessary charges on my account. I tried to speak with the supervisor at capital one but they are refusing to take off the charges. I have been a long-standing and sincere cardholder at the capital one who always pays in full on time. I would like this resolved by taking off the false charges from my account.
Consumer complaint received 2024-02-22
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2020-07-12
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP (CO)

I received my US Bank Reliacard ( for unemployment benefits ). I activated it, the card worked for several transactions, then stopped working on XX/XX/2020. I have money on the card that I can not access. When I logged on to my account, I found that the account features ( such as bill pay ) went away. I call the number on the card for customer service but can not get through to anyone. I tried to reset my pin via customer service call ; the initial recording says " you can only reset your pin through the automated phone system '' but the automated system does not offer an option for a pin reset.
Consumer complaint received 2017-08-05
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Receivables Management Partners, LLC (MI)

This Debt Collection Agency has my medical information, which i did not authorize them to have and Shared my medical information with the XXXX Credit Reporting Angencies in XXXX 2016, when I disputed the validity of the debt! This is inviolation of the Hippa Laws!
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

Hello, My name is XXXX XXXX, Im reporting wrong information on my credit report. I never had a city card before but it's on my credit report. 
No other Credit bureau has it. Only Experian has wrong information on my credit report and it makes me hard to get a student loan this year. I already paid for my own. But I need to borrow lone for next year. 
I need a student loan from my school but the school can not qualify me for loans cause of the wrong information on Experian. Please look at it one more time and remove this, please. I can not finish my major if they can not qualify me also I can not go back cause no money. Please check one more time and remove this. I need help please help me!
Consumer complaint received 2024-02-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2023-02-23
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. (FL)

This personal information is incorrect.I have contacted the credit bureaus to update my information. 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX CT XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX GA XXXX.
Consumer complaint received 2023-01-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC (TX)

On the day of XX/XX/2022 a Debt Collection Agency called : MRS XXXX XXXX XXXX XXXX has by way of fraud, engineered a debt in the amount of {$79.00}. notice this alleged debt is in the positive amount as if they are claiming to owe a credit, yet want someone to send them money for no reason. 

This debt collector is using a name similar to mine which is identity theft. debt collector MRS is also using a po box address which is a non contracting venue to send post to my private location for racketeering purposes.

I will now need the following from this unknown debt collector : 1. A legal contract with my wet ink autograph and MRS wet ink autograph showing a legal bind between both.

2. A true bill claiming i owe them such funds and/or debt. 3. A s
igned contract with my wet ink signature where i allow them to use my name no matter the spelling to sell information to credit bureaus.

4. If they are debt collectors which allegedly bought a debt from another legal fiction corporation, show me of a contract and the paperwork for him much they purchased the debt and any transactions binding me name. 5. Show me of a license to operate in the territory and state of texas.
Consumer complaint received 2021-04-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$580.00}, {$450.00}, {$15000.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$580.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account. 

XXXX. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 


-- XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX FINANCE with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Consumer complaint received 2023-01-28
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: EQUIFAX, INC. (NC)

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the acounts listed below be remove becuase According to 15 USC 1681 : I have the right to privacy and i did not givew Equifax written permission to furnish these accounts. 

Accounts : ( 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$230.00} )
Consumer complaint received 2017-08-05
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. (GA)

Around X/X/17 I called Transunion about my Bankruptcy is not reporting correctly as dismissed and not discharged. I asked for a verification based on FCRA and information as to who, date of person call was made to do I could re verify this information as accurate. They have failed to complete requested dispute and verified information as requested within a 30 day time frame. They responded stating information on the Bankruptcy has been updated but it still show as discharged.
Consumer complaint received 2023-01-28
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KS)

On or around XX/XX/2022 Portfolio Recovery associates LLC retained XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A lawsuit mill that has represented itself as a legitimate law firm to sue and harass me in court Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery XXXX XXXX XXXX XXXX would not and refused to produce proper documentation supporting their claims to the debt, both title and chain of custody, and would only produce erroneous affidavits. they did back out of their lawsuit and dismissed their case after wasting much of my time and XXXX funds on fruitless court appearances. now Portfolio Recovery associates LLC has filed a 1099c with the IRS on a debt they can not and wont prove they own and have sent no official communication that they have officially discharged the alleged debt or substantiated they have a right to claim a loss to the IRS and force me to pay taxes on it.
Consumer complaint received 2021-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (PA)

I have been reaching out to Experian concerning to previous complaint about the inaccuracy being reported on my report. However, Experian have failed to provide me any feedback and updates with regards to my concerns. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Please see the following list of the inaccuracies I found on my report : XXXX ( Original Creditor : XXXX XXXX ) XXXX-Balance : {$2400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX. XXXX. XXXX XXXX XXXX-Balance : {$370.00} XXXX XXXX ( Original Creditor : XXXX XXXX. XXXX. XXXX XXXX XXXX-Balance : {$370.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX-Balance : {$1000.00}
Consumer complaint received 2017-08-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Convergent Resources, Inc. (GA)

The company Convergant is attempting to collect a debt which was discharged on XXXX XXXX, 2010 in my Chapter XXXX bankruptcy. The debt from the original debtor XXXX is no longer owed.
Consumer complaint received 2019-10-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: P.S.C., Inc (WA)

I was balance billed inside insurance contract. But I was granted % 100 financial assistance through the hospital. So they are illegally sending me to collections. I requested information from the collection agency which refused and threatened me.
Consumer complaint received 2020-09-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ORG GC GP BUYER, LLC (CA)

In XXXX of XXXX I went into a XXXX store to buy a suit. I intended to pay cash ( debit card ) for this item. A zealous store clerk said I could get 20 % off the suit if I opened an account. I told her I did not need an account and still wanted to pay cash. She said I would still get the discount for opening the account. The suit was {$220.00} and {$180.00} after the discount. I gave her my debit card and left. 

In XXXX, I checked my credit file and found I had a collection on my file from XXXX for almost {$500.00}. Of course my first thought was that it was credit fraud and disputed it accordingly. The said it was that suit from XXXX and the accumulated late charges and interest. I had not received any notification of an account or any bills for it. 

I went back and checked my bank statements and found that indeed, there was no {$180.00} charge from XXXX in XX/XX/XXXX..so that clerk apparently added this to the new account and did not charge my card. 

I certainly want to pay for this. And I would even forego the discount for the account and pay the full {$220.00}. I hired a firm to represent me to get this taken care of. XXXX said they could not talk to them because the account was placed with a collection agency. The collection agency will not talk to this company even with my signed power of attorney OR my personal permission to speak on my behalf. 

I am now at a place where I can not resolve this issue that was not my fault to begin with. 

I would like for CFPB to publish my issue so that thousands or tens of thousands of others don't get caught in this loop where they can not correct an error.
Consumer complaint received 2018-04-04
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. (MO)

I have a series of unknown inquiries on my credit report inwhich I have disputed before. With no tangible documentation for my sanity and/or records I'm constantly told to seek validation from elsewhere. However, according to the FCRA, if the accuser can not show substantial proof then the account and/ or inquiry shall be removed.
Consumer complaint received 2023-01-28
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MORTGAGE SOLUTIONS OF COLORADO (NC)

I have called and emailed Mortgage Solutions Financial multiple times with no success in resolving this issue. I obtained a cashiers check on XX/XX/23 from my bank to mail the same date to the companys payment address. This is the second time I have mailed a payment and my payment is lost despite having mailed certified mail and tracking showing that it was delivered and signed for on XX/XX/23. Everytime Ive called, Ive been told they are putting in an investigation and that someone will call me. Its been almost a month and nobody can seem to figure out where my check is. Ive sent photographic proof of the cashiers check along with the tracking number etc. Nobody is giving me answers and I am now late and subject to a late fee and receiving emails and calls saying that this will affect my credit score although all of the evidence and all of my phone calls should be noted in their phone logs and on my account.
Consumer complaint received 2018-04-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

Hi, on XX/XX/2018, I received a letter from Carrington mortgage services llc, ( Letter attached ) on the letter says that they will automatically will increase the mortgage payment based on " MY DOCUMENTS AND LAW '', and I want Carrington answer the following questions : 1.-What documents and law they talking about on their letter?

2.- Why they want to automatically increase the mortgage payment without notice?

And the most important.

3.- Does Carrington mortgage services llc already read the CONTRACT I signed the loan at XXXX XXXX and XXXX County ? 
4.- What part of the contract they don't understand?

5.- Does Carrington want to apply their own rules on this mortgage?

6.- Why they want to withdraw money from my account without notice?

I want Carrington to answer these question to me, and to the CONSUMER FINANCIAL PROTECTION BUREAU THERE IS A CONTRACT, and they need to read it.