davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-10
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: Experian Information Solutions Inc. (GA)

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me. 

STUDENT LOAN CREDITORS : XXXX  ACCOUNT NUMBER : XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX XXXX
Consumer complaint received 2017-06-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One does not keep my banking information updated for the company  XXXX  and it is costing me money.  XXXX  is great! Capital  One 360 checking has so many more issues besides this one to the point that I do nt even know where to begin.
Consumer complaint received 2022-03-03
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: Shellpoint Partners, LLC (AZ)

Hello I am emailing once again, my credit report is showing a negative credit remark for a late payment on XXXX. I was in forbearance during that time and working closely with XXXX XXXX from Shellpoint mortgage loss mitigations department.my forbearance was from XXXX XXXX XX/XX/2021 and we resumed payments in XXXX of XXXX. Our loan was sold from cardinal financial to Shellpoint mortgage on XX/XX/2021. XXXX from shellpoint and I worked on the forbearance and the partial claim together. I made sure to always contact him with any questions I had and asked if any negative credit remarks would be added to my credit during or after this entire process he advised me there would not. He stated all payments were taken care of properly and that the partial claim was successfully completed. I have made all my payments on time and my payments resumed in XX/XX/2021 after my forbearance me partial claim. This is negatively affecting my credit score and caused me to drop many points. I have been trying to get this fixed since XXXX of XXXX  and am still having issues and facing hardships due to this mistake they made.
Consumer complaint received 2020-04-10
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. (TN)

Open Date XX/XX/2018 Balace {$290.00} XXXX Let a person open a account in my name and sent the credit card to a 8 year old PO Box that shoudive gave them a red flag u don't send a credit card to a PO Box u send a card to a fiscal address, this is wrong that XXXX XXXX system is outdated what is XXXX XXXX I just don't understand I am very upset, I have reported this to all 3 credit agences and the XXXX  and the cfpb.
Consumer complaint received 2024-03-08
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION (NY)

I voluntarily gave them back the car and told them that I couldnt no longer afford it. They got the car and told me that I still owe them the same amount that I had left on the vehicle. Even after they supposedly sold it at the auction.
Consumer complaint received 2019-03-01
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A. (IL)

In XX/XX/XXXX, an indirect deposit was made from a XXXX XXXX in XXXX. I called PNC to let them know what happened and I was told that PNC was going to enter notes in the system and call the branch to let them know about the error. The problem continued to happen. And I kept calling every Monday like if it was my new routine. I received the same scripted message that they would call the branch. Long story short, the deposits stopped in XX/XX/XXXX. On XX/XX/XXXX PNC withdrew all the deposits from my account. {$1200.00}. I received no notification from PNC. So I called the bank and they said that they sent me a notification through the mail. When I asked them when it was sent, they said today. Which doesn't help me. So I was in the hole for {$1200.00}. My direct deposit reached my account and PNC took it. So my new balance was still in the negative. PNC corporate tried to remove some of the fees, but the fees continued to accumulate. What bothers me is that I'm paying for PNC 's ERROR! They advised me to do a cash advance from my PNC credit card to pay the debt. At this point I was furious and frustrated I just wanted to close my account, so I did do the cash advance. I went to a PNC branch in XXXX, IL. and they stated that in order to close my account I would need to be in " XXXX '' balance.So I did empty it out. And now PNC is racking up all kinds off fee 's on me. I'm super done with this. I'm trying to close my account. I owe nothing on the accounts. Please help! 

I have heard nothing but horror stories with PNC when people attempt to close their accounts.
Consumer complaint received 2022-08-10
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. (TX)

XXXX XXXX XXXX opened an account fraudulently without my knowledge or authorization I have a credit freeze in place and the company failed to see that and still opened an account in my name and closed it days after I reported it was me and I contacted The company and company gave me run around I am prepared to take Federal legal action against company for the negligence and emotional distress caused by this incident
Consumer complaint received 2017-04-25
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: AES/PHEAA (FL)

This complaint is with fed loan servicing Servicing company for Department of Educatio n As o f  XXXX      2015 Fed loan servicing has me marked 120 days late in my credit report.
I have proved to them with my paper work three times that I was never late or missed payments, and three times I got back   ( my claim is denied ) How can I go about this?
Consumer complaint received 2021-09-03
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio services calls me everyday. From multiple different numbers. They call my place of unemployment. They call my parents and threaten them and use foul language. They have tried to serve me papers but I wasnt home. I have told them to stop and they just get worse. They are known for this type of behavior and its well documented all online.
Consumer complaint received 2017-08-24
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: EQUIFAX, INC. (PA)

XXXX, Equifax and XXXX XXXX, these agencies placed inquiries on my credit report more than once within less than 30 days, once a credit report is pulled once the company should not have to pull it again within 30 days. I only authorized this agency to do it once and again once the credit report report expires which was in 90 days.
Consumer complaint received 2020-07-10
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (NC)

We have a loan with this bank, we have not made one payment late since the inception of this loan. We are curious and uncertain as to why this bank has placed our account on a forbearance agreement. ( the second bank to do so, we have 2 rental investments, it is how we attain our sustenance ) This decision on their part, has hampered our ability to request and apply for a loan at a more favorable rate. It has stained our credit report. We are the Americans who are keeping the economy going during these times yet we were treated like yesterdays dirty laundry. 

We are very saddened to say we feel this bank is mishandling this pandemic and aiding the economy from moving forward. 

Please assist us
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC (IN)

I have disputed this account several times since XX/XX/XXXX. When i dispute over the phone with XXXX, a representative will inform me that they don't have to provide how this debt that was verified. I have a right to know whats in my file and how it is used. They keep informing to keep trying to contact the collection agency. I informed the representative that i did. When i contacted Sunrise Credit Services i spoke with a Rep. by the name of XXXX on XX/XX/XXXX.. This company had my name spelled wrong, address and could not confirm if they were licensed to collect in the state of Indiana. I read off the dates and the amounts from my credit report that XXXX is reporting which is First reporting date XX/XX/XXXX for {$1300.00}. I asked her why did i have to give them the correct spelling of my name, my correct address.. and that i never had any services with this company nor did i ever sign a contract for anything. I informed XXXX that this company is reporting inaccurately and that i intended to file a complaint. XXXX stated that she could send me an itemized bill with charges. I informed her that is not validating that this debt is mine and due to the FCRA i have a right to ask for proof of what documents were used to verify and validate this debt that i supposedly owe to a company that i never had any services with. She said she would have to transfer me to a supervisor and i spoke with a woman by the name of XXXX XXXX. She informed me of the information that XXXX gave out. XXXX stated that she would send out some papers that would be an itemized bill. It has now been 30 days and i have yet to receive anything from this company.
Consumer complaint received 2022-09-07
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: CCF Intermediate Holdings LLC (TX)

I had an alert on my locked credit report from XXXX XXXX XXXX on XX/XX/XXXX for a debt in arrears. I called XXXX XXXX XXXX. XXXX is from Cash Central in the amount of {$700.00} taken out with drivers license that is not mine in XX/XX/XXXX. 
I have never taken a loan from Cash Central. I have never received any communication from XXXX XXXX XXXX regarding this issue.
Consumer complaint received 2022-03-03
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (NY)

I have a Venmo account with a balance of {$1100.00} that the company will not allow me to access. 

On XX/XX/22, I received an email stating in part, Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement. If you would like to reactivate your account, please submit a picture of your unexpired US government- issued photo identification via our Document Upload Form, linked below. This is required to ensure you are the legal account holder. 

On XX/XX/22, I uploaded an image of my US passport card via the link they provided in their email. 

On XX/XX/22, I received this email : Hello, Thank you for reaching out. 

While we encourage the use of Venmo, we must ensure all users abide by our User Agreement. After reviewing your inquiries and account activity, we have found that your actions and activity have been in violation of this agreement. 

As a result, your account has been permanently deactivated and we regret to inform you that we can no longer offer you the Venmo service. We do not make these decisions lightly, and when we do, it is to help improve the safety of the Venmo community. 

If you have questions regarding this decision, please note that we do not divulge our decision-making criteria in order to protect the systems that monitor activity on Venmo. 

Team Venmo I have sent emails to XXXX and reached out multiple times to Venmo support ( XXXX ). No one can explain how I violated the user agreement, or how I can get my money out. 

At the moment, my Venmo balance is all the money I have to my name, so this is devastating. Please help!
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc. (TX)

There is a collection from a company called Professional Debt on my credit report that is trying to collect {$5300.00} for an apt XXXX XXXX XXXX XXXX. I have repeatedly requested proof from the collection agency and they have not been able to provide nay. I asked the bureaus for verification of the debt and only come back with its 'verified '. I went as far as to go directly to XXXX XXXX XXXX asking for my files or some kind of itemized list for these charges. They too were unable to provide me with any information. I did not break the lease, I did not leave the apartment damaged or dirty, I even think I got my deposit back.
Consumer complaint received 2020-04-10
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I am living in one of the states most affected by COVID-19. I live in NY. I have been impacted by the virus and have been unsuccessful in reaching 3 of my creditors to discuss waiving of late fees, waiving of reporting derogatory information to the credit bureaus, discussing payment arrangements ( per their emails to their customers, like myself ). Not any of the 3 give any electronic communication options to contact them. They ONLY offer to call them by phone. I have attempted more than 100+ times, at all different hours, to reach them by phone and have been unsuccessful. I live on a limited income and have only a cellphone which has a limited minute plan. I do not know how to resolve this, get the benefits I am eligible per their email correspondence to me ( which has NO ability to respond to them via email ). I have just recently over the last 1.5 years worked very hard on improving my credit worthiness and my score. How can I protect my credit if I can not reach ANY OF THEM to preserve my credit and make use of their covid-19 benefits to those impacted?

The 3 creditors are : 1. ) Capital One - credit card 2. ) XXXX  XXXX - credit card 3. ) XXXX credit - line of credit by XXXX And due to the inability to reach any of them my bills with them are now overdue. I have been trying with extreme effort to reach them 3 weeks prior to my payment due dates ... .and still trying to reach them. The high call volume has caused longer than normal wait times and mostly informed that due to the high call volume it is NOT possible to wait on hold and their recording states " Try calling another time ''. 

Please help me. Thank you
Consumer complaint received 2017-06-16
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (NY)

While I wait for a recalculation of our loans we are supposed to be in a forbearance but have been receiving threatening calls and letters. I Then am told the recalculation was never promised and my loan is now late.
Consumer complaint received 2018-03-22
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. (CA)

Dear Equifax, I checked my personal credit report, which I acquired from your organization on XX/XX/XXXX and I noticed a fraudulent inquiry had been made on XX/XX/XXXX. 
I contacted XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX they could not verify that the information was being reported. 
I request that you initiate a reinvestigation into XXXX XXXX ( XX/XX/XXXX ) inquiry on my credit report to determine who authorized the inquiry. If, once your reinvestigation is complete, you find my allegation to be true, please remove the fraudulent inquiry. DO NOT CONTACT ME VIA US MAIL. CEASE AND DECIST FROM COMMUNICATING WITH ME VIA US MAIL. 
Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. 
If you find the inquiry referenced above to be valid, PLEASE RESPOND ONLY VIA THE CFPB PORTAL with a description of the procedures used in your reinvestigation for THIS SPECIFIC INQUIRY within 15 business days of the completion of the reinvestigation. Thank you for your assistance in this matter. 

Very Respectfully, XXXX XXXX
Consumer complaint received 2017-07-22
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Big Picture Loans, LLC (MN)

I had a payday loan with Big Picture Loans. I did a debt consolidation through my credit union. I spoke with a customer service rep who gave me the payoff balance. A payment in full was sent and received by Big Picture Loan on XXXX XXXX, 2017. They are still trying to withdraw money from my account. They state I needed to sign over Power of Attorney to my bank in order to payoff my account. There is nothing about any Power of Attorney during early payoff in my loan documents and my bank has never heard of anything so ridiculous as signing over Power of Attorney to them so I can payoff my loan out of my own account. My loan with Big Picture Loans is paid in full and they 're still trying to take money out of my account!! Please help!!
Consumer complaint received 2017-06-16
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. (FL)

XXXX    XXXX   XXXX   XXXX   XXXX   XXXX , PA  XXXX  ;  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .   XXXX    XXXX   XXXX , TX  XXXX  ; EQUIFAX  XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since   XXXX  . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX    XXXX   to keep the mortgage information on my credit report.   They just recently acknowledged receipt of letters  (  responses attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to  XXXX ,  XXXX  and EQUIFAX in   XXXX  , yet they turned a  blind e ye and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Relief Act ( SCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCRA, SCRA and FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our credit files IMMEDIATELY.
Consumer complaint received 2018-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (AK)

Attempted to place a credit freeze with Experian and found the website unresponsive, the site is without graphics and the freeze button is not responding. 

This looks like an attempt by Experian to game the regulations by making it difficult to impossible for security freezes to be implemented.
Consumer complaint received 2018-03-22
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Navient Solutions, LLC. (OK)

When I was not able to pay my student loans instead of working with my income the company offered forbearance of the loan. They never told me that the interest rates were higher or that there was going to be any interest charged to my loan. They said that it was only a temporary stoppage until I could start paying again, been paying my loans since 2004 and still owe on it.