davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-07-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (PA)

I opened this account with XXXX XXXX on XXXX,2004 which is now navient they said I owe XXXX which i think is not correct. I was attending XXXX XXXX University. When I initially signed the loan I was not given an explanation about the loan terms or how much I was signing off for on the loan. I am now not able to keep up on the loan and I feel as if the harrassment of this company has become overwhelming.They call my XXXX year old grandmom every day about 6-7 times a day and it is causing stress. I have called to try to make sensible payments but what they want me to pay I can not afford. They call my phone at least 5 times a day and I have already explained to them I can not afford these payments. They have closed the account on my credit but they continue to harass me daily. This is a personal loan and is pass the statue of limitation but it is still on my credit. This is causing me a lot of grief and pain I can not even get approved for a car because of this.
Consumer complaint received 2017-04-26
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (CA)

Hello - Myself a single mom protecting her family from a violent case of domestic  XXXX , if this debt collector has any knowledge of the law when they see - I was awarded full and sole custody of my children, they should understand.     In   XXXX   thought it was all over and we finally safe, unfortunately this was not the case - I again had to make the choice to use all my funds to re locate my family.     As I have stated many times to this debt collector no one will rent to me with this reported collection on my report. This debt collector  Midland Credit Management , Inc. reque sting proof of my hardship. Attached is proof of my hardship all white outs are to protect my children.
Consumer complaint received 2017-07-09
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Convergent Resources, Inc. (TX)

I had recently submitted a complaint in regards XXXX XXXX for an collections account of {$370.00}. The collection company did not resolve my request. Since then they have illegally re-aged and reopened the collections account as of XXXX XXXX, 2017. The account status was closed and marked as a charged off account for the past couple of months. They had threaten me in the past about how they were going to damage my credit and the recent reopening/re-ageing of the closed account which has significantly hurt my credit score in the past week supports my claim of their harassment and illegal practices of bullying consumers. I have taken picture and attached it to this complaint of the account status as of XXXX, 2017 and as of XXXX XXXX, 2017. The change in the account status occurred after I submitted my initial complaint which leads me to believe they purposely and illegally re-aged/reopened this account to hurt my credit score. I feel bullied and treated without any respect. Because of their unethical and illegal practices good/hardworking people like me suffer and our progression towards a stable financial future is impeded.
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I would like to request for XXXX XXXX to remove this account from all credit bureaus ( XXXX, XXXX & XXXX ).
Consumer complaint received 2024-03-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC (NJ)

XXXX XXXX XXXX XXXX XXXX XXXX NJ, XXXX XX/XX/2024 XXXX Cedars Business Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA, XXXX Dear Sir/Madam, I am writing to dispute the alleged debt you are attempting to collect on behalf of XXXX XXXX XXXX Your recent communications regarding this matter fail to acknowledge the circumstances surrounding the transaction in question, and I must insist that your attempts to collect this debt cease immediately. 

The debt you claim I owe stems from unauthorized activity on my XXXX account, which resulted in funds being withdrawn from my bank account and transferred to an unknown third party. Upon discovering this fraudulent activity, I promptly reported it to my bank ( XXXX ), providing substantial evidenceincluding email records of unauthorized logins from foreign IP addresses and changes to my account information that werent done by mewhich conclusively demonstrated that my account had been compromised. Additionally, the fact that XXXX XXXX operates in the cryptocurrency industrya sector notorious for scams and fraudulent activitiesonly underscores the plausibility of this incident being the result of criminal exploitation rather than any fault on my part. 

Following a thorough investigation, my bank acknowledged the clear evidence of fraud and subsequently refunded the full amount of the unauthorized transactions. This outcome absolves me of any legal obligation to repay the disputed funds. 

Moreover, it is pertinent to note that XXXX itself has faced legal scrutiny and regulatory action, including being banned from operating in the United States due to allegations of money laundering and fraud. This additional context serves to strengthen my position that the funds in question were unlawfully obtained by a malicious actor, rather than being legitimately owed to XXXX XXXX. The real issue here is a lack of consumer protection by XXXX. A simple google search reveals many other cases with similar details as to mine, where customers were missing thousands of dollars based on fraudulent activity. 

In light of the aforementioned circumstances, I hereby demand that you cease all further attempts to collect this disputed debt. Any further communication from Cedars Business Services regarding this matter will be considered harassment and dealt with accordingly under applicable consumer protection laws. 

Please respond via email that you have received this letter and have stopped any efforts of collecting the invalid debt. 


Sincerely, XXXX XXXX
Consumer complaint received 2021-09-09
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kinum, Inc., Indianapolis, IN Branch (PA)

Since XXXX I have been disputing accounts on my credit I do not recognize. I have never received any mail from Kinum Inc, I do not know who they are, I never signed any contracts with them, and they refuse to validate debts that are on MY credit! I refuse to be a part of their game any longer! You are a federal agency! I demand that you force them to follow the FCRA, FDCPA, and other federal laws that have been set forth for them to follow. They have not responded to any of my validation requests, or a XXXX  complaint about them. They have illegally assessed interest and penalties to the account, without providing any reason or right as to why! I DEMAND JUSTICE! They have never responded to my requests, a violation of the FCRA, they have never sent me any dunning letters, a violation of the FDCPA, they have never sent me any mail at all, and yet they are on my credit. they have continued to report a disputed debt another violation. Kinum inc is breaking the law, HELP ME!
Consumer complaint received 2017-04-25
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FIDELITY CAPITAL HOLDINGS, INC (CA)

COLLECTION COMPANY OPERATING UNDER THE NAME OF A DISSOLVED CORPORATION  ( F IDELITY CREDITOR SERVICE,  XXXX   )  BOUGHT AN OLD JUDGMENT ( ISSUED IN  XXXX   XXXX   )  FROM THE OWNER OF JUDGMENT.   THEY FILED A RENEWAL OF JUDGMENT AT THE MERCED SUPERIOR COURT IN  XXXX   XXXX   (  PRIOR TO THE EXPIRATION OF JUDGMENT ) UNDER THE NAME OF THE DISSOLVED CORPORATION.   THEY CALLED ME NUMEROUS TIMES THREATENING TO RUIN MY CREDIT BY REPORTING IT TO ALL THE CREDIT AGENCIES.   I WAS NEVER SERVED WITH THE RENEWAL AS THEY SENT IT TO AN ADDRESS WHERE I HAVE NEVER LIVED.   IN  XXXX  I FOUND OUT ABOUT IT BECAUSE THEY ISSUED A LEVY AGAINST AN OLD BANK ACCOUNT.   I CONTACTED THE COURT AND TRIED TO APPEAL IT ON THE BASIS THAT THEY ARE A DISSOLVED CORPORATION.   THEY WENT AHEAD AND TRANSFERRED THE RENEWAL OF JUDGMENT FROM FIDELITY CREDITOR SERVICE  XXXX  TO  FIDELITY CAPITAL  HOLDINGS  XXXX  DBA FIDELITY CREDITOR SERVICE,  XXXX .   THEY CAN NOT BE DOING BUSINESS AS A CORPORATION WHICH HAS BEEN DISSOLVED.   CALIFORNIA LEGISLATION BUSINESS AND PROFESSIONS CODE CHAPTER  5 ( CODE 17910.5  ( a ) STATES THAT NO ONE CAN ADOPT A FICTITIOUS BUSINESS NAME  ( DBA )  WHICH INCLUDES " CORPORATION '', "  CORP. '', " INCORPORATED '' OR " INC.  '' UNLESS IT IS A CORPORATION ORGANIZED PURSUANT TO THE LAWS OF THIS STATE.   THEY HAVE BROKEN THE LAW IN BOTH INSTANCES.   I AM ATTACHING ALL PERTINENT DOCUMENTS
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX, XXXX and Transunion credit bureaus continues to list XXXX XXXX XXXX XXXX delinquency on my credit report. The listing creditors have closed accounts and requested that the credit bureau remove them from my credit report. However, XXXX, XXXX and Transunion credit bureaus have failed to remove the negative listings. I have filled disputes and contacted them through phone requesting for them to remove these delinquencies. They have yet to be removed.
Consumer complaint received 2022-08-10
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: United Credit and Collections Inc. (MO)

This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
Consumer complaint received 2022-11-17
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: Experian Information Solutions Inc. (IL)

On XXXX ( additional dates/ accounts numbers /tracking numbers are attached below ) I sent letters to the creditors and credit reporting agency regarding inaccurate and uknown items on my consumer report. To this day over 30 days later I have not received a response. I feel like Im being ignored an taken advantage of my dispute, Section 611 ( a ) states that failure to investigate items within 30 days gives reason to delete immediately these items off my consumer report. The credit reporting agency/creditors also violated 623 ( a ) ( 3 ) - 15USC 1681b- 15USC e ( b ) - 15USC 1681a-2 ( A ) ( i ) They were also supposed to complete all investigations before the expiration period under section 611 ( a ) ( 1 )
Consumer complaint received 2024-01-29
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: Experian Information Solutions Inc. (LA)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.
Consumer complaint received 2019-10-20
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. (MO)

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, as well as inquiries not belonging to me. However the credit reporting agencies are refusing to remove the information stating that items come back validated even though the information is incorrect. 

ENCLOSED IS A COPY OF MY IDENTITY THEFT REPORT SUPPORTING MY POSITION IN ADDITION I AM ENCLOSING A COPY OF SECTIONS 605B 615 ( F ) AND 623 ( A ) ( 6 ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ) WHICH DETAIL YOUR RESPONSIBILITIES AS AN INFORMATION FURNISHER TO CONSUMER REPORTING AGENCIES IN RESPONSE TO THE IDENTITY THEFT REPORT I AM PROVIDING
Consumer complaint received 2017-07-08
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. (IL)

I have a company XXXX XXXX reporting a collections account on my credit report for Equifax which is incorrect and does not belong to me. I have tried to communicate with this company with certified letters to get them to either prove the debt is mine or remove it from my credit report. First letter was sent XX/XX/XXXX signed for on XX/XX/XXXX the company did not respond other than to place a disclaimer on my credit report that I disputed the debt. I sent a second certified letter to them on XX/XX/XXXX signed for on XX/XX/XXXX and since I had not heard anything. Therefore I filed a complaint with the CFPB reference complaint # XXXX in which this company responded to them they are not the company to address my complaint with. They are the ones reporting on my credit report not any other company. Since the collection account showed up on only 2 of the 3 bureaus I called XXXX  and it was removed because it is inaccurate reporting. I tried to address this with Equifax with no luck so I am hoping that filing this complaint will get it removed from my Equifax credit report. If the company is reporting it but claiming to the CFPB that they are not the company to provide me proof the debt is mine then it is inaccurate and needs to be removed from my credit report.
Consumer complaint received 2017-07-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

On XXXX XXXX, 2017, I made a purchase on the XXXX XXXX XXXX US website for approximately {$100.00}. I paid with my Bank of America Cash Rewards Card. The transaction was denominated in US dollars. When the charge appeared on my card on XXXX XXXX, I was charged a foreign transaction fee of {$3.00}. This fee should not have been assessed, as I was paying on the US website of a company 's American division and paying in US dollars.
Consumer complaint received 2017-09-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION (SC)

On several I tried apply for job and when the background check came back I was denied employment because the agencies that supply the background check does not supply updated information. In XXXX 2017 I was denied employment at XXXX XXXX because the company XXXX XXXX reported the wrong information. On XXXX XXXX, 2017 I was denied employment with cross mark because of the same issue. Since then the companies have corrected and reported the issue but every time I apply for a job I run in to the same issue each time so I have come to the conclusion that the information that consumer reporting agency is acquiring from the Fair credit Reporting Act is not update and I would like to make sure my file is updated. I have contacted them every time this occurs to have it fix and they cant seem to help. So I wanted to know how can I get my file updated so that when companies do pull my criminal background it shows that I have been pardon for these charges.
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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 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
Consumer complaint received 2024-01-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (FL)

I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.
Consumer complaint received 2024-02-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (NM)

My recertification date listed on my XXXX  site lists XX/XX/XXXX as my recertification date for my XXXX XXXX repayment plan. Per the guidelines listed on the studentaid.gov site, the earliest you could be required to recertify is XX/XX/XXXX. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year.. Mohela is insisting that I need to recertify my income now which is outside the Federal guidelines. I have reached out several times both via message and long phone calls to Mohela to no avail. Please assist me with getting my recertification date extended to XX/XX/XXXX.
Consumer complaint received 2017-07-08
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (MD)

Since XX/XX/XXXX my loan has been sold four times..well the second lender round point mortgage screw up my escrow account big time by paying home insurance twice in XX/XX/XXXX to XXXX XXXX XXXX and to XXXX XXXX in XX/XX/XXXX for XXXX, even though they claim to have gotten credit back for the XXXX XXXX check for XXXX I do n't have any written proof that they put money back on escrow and it sure did not reflected in escrow balance. And when XX/XX/XXXX came around I received a letter from XXXX XXXX XXXX that my loan had been sold to them and the XX/XX/XXXX payment should go to them, plus it was time to pay property taxes round point paid the taxes before transferring loan over, but at the same time the new company also paid taxes, so now we run into property taxes paid twice and escrow account extremely short, I called county department and they confirmed over payment but they also told me that they had send round point a refund check # XXXX XXXX  back to round point around XX/XX/XXXX but by that time my loan was already with new company XXXX XXXX, I called round point and told them about check refund it was only then they said ahhh yes but we transfered money over to new company. But new company says they did not received that money from round point and are asking me to get some sort of written proof from round point like a wire transfer or check number, I 'm just overwhelmed and frustrated I 'm playing ping pong from those two companies and nobody takes responsibility for anything please help I have ask in writing by emails, fax, and calls to get anything from round point but has not work thanks
Consumer complaint received 2023-01-28
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. (OH)

This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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
Consumer complaint received 2017-07-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

I have been trying to get a credit card open with XXXX and I was denied, cause of a credit score. After calling XXXX I was told something was in collections and to call experian. After calling experian multiple times I was unable actually get a hold of someone to tell me what is in collections. Experian even gave me the option on the automated message for the XXXX XXXX and I hit that button and experian hung up on me saying " we are unable to help you, goodbye ''. Then I am calling XXXX to try to get an actual phone number for this credit company and they refused to help me saying I have to call this credit companies there is nothing else they can do to help me. I even have it on my record of me calling them three times to try to get a different phone number or get somewhere where I can find out where my collection is that I have no idea about. No one has been able to answer any of my questions and the credit company is refusing to help me as well and just hangs up the phone on me because there is no one even able to speak to. And now XXXX refuses to reveal what is in collections and will not give me my credit report that I am lawfully owed for free.
Consumer complaint received 2018-02-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Berndt & Associates, P.C. (MI)

On XX/XX/XXXX I received my results from XXXX  about this account from XXXX XXXX XXXX   XXXX it was deleted. Today I received a letter from this lawyers office as well as court papers lawyers name is Berndt & Associates PC. This issue has been resolved I disputed this back in XXXX.