davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CIR, Law Offices (CA)

This is an unsubstantiated, alleged debt with XXXX XXXX, who has now sold/handed over my alleged debt to XXXX XXXX XXXX XXXX without any merit, verification, documentation, etc. There is no debt. I refuse a debt exists
Consumer complaint received 2016-02-27
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A. (IL)

I have no copy of original agreement or past record of payments I made.the credit card is in default and now being collected by a legal firm. I believe the amount is incorrect, but I have no record of payments as defaulted credit card used for payments. how do i get past statement on a default debt.I was XXXX with a XXXX XXXX and all record were lost.
Consumer complaint received 2019-05-28
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TOYOTA MOTOR CREDIT CORPORATION (NJ)

I agreed to have my credit checked by the XXXX XXXX   XXXX dealership on XX/XX/2019, however, I was not informed that they would give me at least 6 different hard inquiries on my credit score. This has brought my score down and prevented me from being approved for a credit card, solely for the reason of having too many hard inquiries. It does not seem fair to me that I am being punished for purchasing one car.
Consumer complaint received 2017-10-13
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: MERCANTILE ADJUSTMENT BUREAU, LLC (NY)

I am elderly XXXX years old on a fixed government income and I have told Mercantile Adjustments Office & XXXX XXXX XXXX XXXX XXXX and Headquarters ( Mailing Address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX To stop calling me.
Consumer complaint received 2015-04-15
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: American Collection Services, Inc. (OK, TX) (OK)

American Collection Services has continuously contacted me attempting to get a hold of my mother. My mother called while I was on the phone. XXXX the debt collector disclosed all of the my personal information to my mother without my permission. Once he knew that I was on the phone, he then asked for me to talk to my mom about the accounts. After the account information was disclosed, I then tried to set up a payment plan where I could send in the payments or call them in each month. XXXX then refused saying that I needed to set up the payments with my checking information or a debit card/credit card. Told him that I was uncomfortable with the situation. He then said that we can not come to an agreement and that he would proceed with collection efforts. I attempted to set up a payment plan but now I might be getting sued because I do not feel comfortable giving my information over the phone. He also violated my rights in reference to the FDCPA by disclosing my personal information with my Mother, XXXX XXXX without my permission.
Consumer complaint received 2023-04-17
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. (NC)

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 2021-04-29
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: JPMORGAN CHASE & CO. (IL)

Dear CFPB : I have a Chase XXXX Credit Card with the last four digits - XXXX - for more than 6 years. On XXXX XXXX, 2021, I found that there were 8 unauthorized transactions on this XXXX credit card XXXX XXXX XXXX from XX/XX/2021 to XX/XX/2021. 


XX/XX/2021 {$11.00} at XXXX XXXX XXXX XX/XX/2021 {$130.00} at XXXX XXXX XXXX XXXX XX/XX/2021 {$1200.00} at XXXX XXXX XXXX # XXXX XX/XX/2021 {$12.00} at XXXX XXXX XX/XX/2021 {$21.00} at XXXX XXXX  XX/XX/2021 {$14.00} at XXXX XXXX XXXX XXXX XX/XX/2021 {$3.00} at XXXX XXXX XX/XX/2021 {$1.00} at XXXX XXXX On XXXX XXXX, I informed Chase Customer Service about the credit card fraud issue XXXX Actually, I didn't lose my physical XXXX credit card. It is always on hand. So I wondered why there were 8 fraudulent charges on my Chase card. The Chase Customer Service did not give me any reason about how the 8 unauthorized transactions happened, although they helped me dispute those charges and sent me a replacement card with the different last four digit. On XXXX, I learned that Chase was figuring out the product change from the " XXXX Credit Card '' to " The XXXX XXXX XXXXXXXX Card ''. So they sent me a new XXXX XXXX of XXXX XXXX XXXX the last 4 digits are still XXXX ) on XXXX. I am definitely sure that someone stole/picked up my delivered package including the XXXX XXXX of XXXX XXXX XXXX XXXX ) and used it to go shopping. However, I didn't receive it and activate it. 

On XX/XX/2021, I received a notice letter about my credit card issue from the Chase fraud department. Except for one transaction on XXXX XXXX, I am responsible for 7 other transactions. I called the Chase Customer Service and Chae Fraud Department to let them that the XXXX transactions are unauthorized by me. It is not reasonable that I am responsible for the 7 unauthorized transactions. My reasons are as follows. 
XXXX ) The Chase bank mailed me a new credit card. But I was not informed in advance. 

XXXX ) I did not receive the new " The XXXX of XXXX XXXX ''. I did not activate it. I wondered why someone can use an inactivated credit card. Recently, I just learned that any new replacement credit card issued from Chase can be used directly without being activated. I would say that this is a serious defect of Chase credit cards about the fraud protection. 

XXXX ) According to the investigation notice letter, a 11.22 dollar charge on XXXX XXXX XXXX XXXX XX/XX/2021 ) is determined as an unauthorized transaction. I wonder why 7 other charges ( XXXX ) are completely my responsibility. 

XXXX ) I only received one fraud alert message for one unauthorized transaction. 

The attachment file includes a statement with the 8 unauthorized transactions and the notice letter.
Consumer complaint received 2023-06-10
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXXXXXX 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 2022-02-16
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P. (NC)

This account was originally from XXXX BANK XXXX COM STORE. It was 90 days late in 2016 and later sold to the collection agency LVNV FUNDING LLC. I have disputed the account due to LVNV FUNDING LLC posting the wrong dates for the account and past amount due. I have also disputed the statute of limitations for this debt. 
LVNV FUNDING LLC Has taken steps with all three credit bureaus to show the debt is currently valid. I have submitted the original invoice to all three credit bureaus showing when the account was 90 days past due. LVNV FUNDING LLC Refuses to remove the account from my credit reports and has caused a significant impact to my credit score.
Consumer complaint received 2020-10-05
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC. (PA)

i went to the bank and told them that a guy had stole my idenity and hacked my XXXX XXXX  account and took funds out my account and they did nothing about it. I was told by an employee to get a police report and they would investigate and put the funds back in my account. At the time i was working in the oilfield away from home at weeks at a time. I came home to have a letter saying i owed them over {$1000.00} and my account was closed. This bank failed me in so many was also they reported this to XXXX XXXX   as if i caused the negative balance knowing i gave them all the proof.
Consumer complaint received 2024-02-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

See attachments *** Debt collector continue to report this inaccurate information! Reporting of accounts as charge off when they have been paid in full! Using unfair, or unconscionable means to collect a debt! Pursuing to privacy of 1974, pursuant to 15 USC 6802. False or misleading representation
Consumer complaint received 2022-02-16
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC (CA)

SHELLPOINT MORTGAGE - XXXX This account was NEVER late. A modification agreement was executed and finalized in XX/XX/2021. Agreement paperwork was provided from Shellpoint mortgage which is attached. My payments were made " As Agreed ''. The late payments reported in 2021 need to be removed as per our final agreement. This is preventing me from getting the credit I deserve.
Consumer complaint received 2021-04-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

A fraudulent account was opened with XXXX XXXX under my name. I have provided an Affidavit of Fraud an Identity Theft Report Notice to The Federal Trade Commission as well as a complaint to The Federal Trade Commission. I did NOT open an account with XXXX XXXX. This is a fraudulent account and is not mine. 

XXXX XXXX has failed to comply with Section 609 FCRA by not providing the required documentation related to my dispute. 

XXXX and Transunion are not requiring XXXX XXXX to comply with Section 609 FCRA and provide to me copies of specific documentation related to the fraudulent account opened in my name. I have received NOTHING from XXXX XXXX in violation of Section 609 FCRA and The Fair Debt Collection Practices Act.
Consumer complaint received 2016-04-18
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (TN)

According to Experian report number XXXX investigated and verified. However Experian never investigated and fraud Account Name : XXXX Complaint : 1st Delinquent date has been passed 7 Years Experian have never provided result of XXXX XXXX dispute which was reporting after nine years. 
a. Evidence Attached Experian violated FCRA according to XXXX response on CFPB XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Attached response and direct from creditor XXXX a. Attached Investigation result and XXXX response CFPB Case number : XXXX XXXX contact # XXXX XXXX Contact Name XXXX XXXX XXXX written response attached and also attached with CFPB case # XXXX In addition to attached XXXX XXXX IL foreclosure notice from XXXX XXXX I did not make any payment to my house since XXXX XXXX due to loss of business income and medical health issue Experian in violation -Evidence attached with CFPB case # XXXX
Consumer complaint received 2024-02-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. 


In accordance with Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However how is this true when there are several inaccuracies showing on my report? 


As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S. Code 168i ( 7 ) Method of verification- Description of reinvestigation procedure.
Consumer complaint received 2023-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

I had filed XXXX XXXX bankruptcy and discharged on XX/XX/XXXX. Come to find out Portfolio recovery had placed a lean on my property without my knowledge. I did not know I was being sued for such debt nor do I know if the debt portfolio recovery was trying to collect is even mine. I have reached out to portfolio recovery on XX/XX/XXXX and was notified that I no longer owe the debt but the lean remains with the amount and they are not going to remove the lean until the debt is settled.
Consumer complaint received 2022-02-16
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. (MD)

I sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$200000.00} XXXXXXXX XXXX Balance : {$180.00} XXXX FCU XXXX Balance : {$860.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXuired on XX/XX/XXXX XXXX XXXX XXXXred on XX/XX/XXXX XXXX  NA Inquired on XX/XX/XXXX 2021
Consumer complaint received 2020-12-03
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

on XX/XX/2020, I contacted Equifax to dispute inaccuracies on my report. To date, I have not received any dispute results ( XXXX ).
Consumer complaint received 2023-04-17
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. (FL)

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 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 2017-10-13
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (WV)

I filed a complaint with the CFPB against Navient and they responded that they would stop the harassment calls. These call have not stopped and they are still continuing to call the co-borrower up to 30 times a day harassing him. These calls need to be stopped immediately, as he has even asked them not to call numerous times.
Consumer complaint received 2017-02-04
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: Bread Financial Holdings, Inc. (CA)

Victoria Secret has reported with negative remarks and deliquency and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me. This account was noted as 30 days reported on XX/XX/XXXX. During XX/XX/XXXX -XX/XX/XXXX XXXX. During this time i attempted to make payment arrangements, using the credit card insurance to submit a claim to cover my account. Victoria Secret has passed me onto the credit card insurance company to submit a claim.I also attempted to talk to Supervisor on occasion several occasions. I was not able to resolve this issue and have contacted Victoria Secret and the credit card insurance department as well. Not only did I make payments for insurance in case something happened I was not able to utilized it. Please remove this negative information.
Consumer complaint received 2021-05-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (CO)

I have a loan with FEDLOAN SERVICING, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called FEDLOAN SERVICING and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me late account posting error. As you can see, I have always had a stellar payment record. I tried contacting XXXX XXXX, and FEDLOAN SERVICING with no successful resolution. XXXX and XXXX  reporting me having late payments. There was an error on their part. I was never late.
Consumer complaint received 2017-02-14
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (CA)

The loans were not fully used. They sent Pioneer Credit after me, threatening to take everything i have if I did not sign up on a payment plan. I signed up paying around {$500.00} a month until it was paid off. Now XXXX is claiming I still owe everything and is harrassing me for payments. I also asked that the portion of the loans that were not used be returned since I only used less than 1 years worth. On top of the loans I had to pay the school, XXXX XXXX XXXX XXXX and XXXX $ XXXX/month. 6 years later here we are still " owing ''. I also never received anything, I was supposed to get financial aid, not loans.
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MO)

Once again, I am registering a complaint against Ocwen loan servicing. And, once again they refuse to answer a single complaint since I first registered my first complaint in 2014. They still claim I owe them money even though they paid my condo association over {$27000.00}. for a bogus invoice the condo assoc. 's legal rep. mailed them for falsely stating that I owed them money for making remodeling changes to my condo even though, this was settled out of court with myself not owing any fines or fees in relation to any of their accusations. Ocwen needs to follow up on this and retrieve the money that they paid the condo association and apply it to my mortgage. If Ocwen followed through on this my mortgage would be paid in full and I would no longer have to deal with them. Ocwen is threatening to foreclose and sell my property without even attempting to settle all my issues. Again, Ocwen has been sued in federal court by the XXXX in XXXX states for billions of dollars. Their stock has tanked and is only staying afloat by stock manipulators. Ocwen has announced laying off approx. XXXX employees. They never lay off the people they pay {$3.00} per day in XXXX only those in the XXXX Why? Ocwen has ripped off numerous people by foreclosures who had no recourse and did not know what to do. 
My initial loan from Ocwen was approx. {$43000.00} now, they claim that I owe them over {$74000.00}. How can Ocwen be allowed to do this? When will they be stopped? 
Also, they have not ever responded to my initial request of my RESPA letter. And there are fines related to this. And I have never received any of the fines I was entitled to. Also, they continue and knowingly send me bills which they know are not correct. That is a federal crime to knowingly send false billing through the XXXX mail. Punishable I think for {$5000.00}. on each occurrence. And, yet Ocwen has done this for over a year. I appeal to our XXXX and XXXX to do something before Ocwen goes bankrupt. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX
Consumer complaint received 2023-04-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc (NY)

I sent a Letter on XX/XX/2023, here is my Certified Mail Number XXXX, to remove an inaccurate account that I do not want on my credit report. According to the Fair Credit Reporting act 15 USC 1681 I have the right to privacy. Also according to 15 USC 6802 No financial institution is supposed to share my information to third party people, much of this information was fraudulent or perhaps even possible identity theft. 

Account # : XXXX Last 4 of SS # XXXX