davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (UT)

On XXXX/XXXX/XXXX Portfolio recovery had reported a debt owing on my credit report however, no balance is oweing. On XXXX/XXXX/XXXX I contacted Portfolio Recovery @ XXXX and asked them who the debt is owed too however, they rep I spoke with said they couldnt provide me with any info until I provided a credit or debit card. I called again on XXXX/XXXX/XXXX and asked again who the debt was owed too and again they would not provide me any info. Again I called on XXXX/XXXX/XXXX and asked to speak with a XXXX and the rep sttd no XXXX would be able to assit me. I asked for a letter to my address since I have not received any calls or letters regaurding this debt and the rep said he was unable to send any letters and again refused to provide me with any info. On my credit report the company that is owed says XXXX XXXX XXXX however, I have never banked with XXXX XXXX and never have fallen behind on any of my credit cards with XXXX XXXX. I have also contacted XXXX XXXX and have been advised nothing has been sent by them to this collections agency.
Consumer complaint received 2020-09-22
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. (MN)

The following information listed on my Equifax and XXXX credit report is fraudulent, unauthorized and not my accounts, credit inquiries or payment history : XXXX XXXX XXXX, {$140.00}, XX/XX/2020. Credit Inquiries : XXXX XXXX XXXX, XX/XX/2020, XXXX XXXX/XXXX, XX/XX/2020 and XXXX XXXX XXXX, XX/XX/2020. Payment History : XXXX XXXX XXXX payment history is fraudulent.
Consumer complaint received 2020-09-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

1. XXXX was added to my credit report in error. This is not my account and I have never paid late. 

2. XXXX this is not my account. I was a victim of identity theft. 

3. XXXX XXXX the balance on this account is incorrect and I have never been late.
Consumer complaint received 2021-04-27
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. (KY)

A collections agency somehow is reporting that I opened a new account. That is a blatant lie and when I told Experien, they did not fix it and will not look into it again as I already notified them it was fraud entitled and an attempt to extort money from me.
Consumer complaint received 2021-01-25
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: AMERICAN EXPRESS COMPANY (TX)

I was involved in identity theft, forgery, false pretenses in 2017. Attached is Form 14039 Fraud Affidavit, sheriff 's report plus information on the person responsible. She is currently in a Mississippi XXXX XXXX XXXX XXXX XXXX XXXX.
Consumer complaint received 2019-10-30
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. (FL)

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 Reported : XXXX XXXX, XXXX XXXX XXXX Reported : XXXX XXXX, XXXX XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Consumer complaint received 2019-10-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC (TN)

This is yet another complaint about the repeated efforts of ERC/XXXX to collect an alleged which I contend that I DO NOT OWN OR THAT WAS AUTHORIZED BY ME. 

My original complaint was filed on XX/XX/2018. The complaint # is XXXX. I have and will continue to contend that this account was not opened or authorized by me and take great offense that ERC is once again contacting me with language indicating that they have been authorized to report the account to the national credit bureaus thus damaging my credit further. I am already been actively fighting to resolve issues from multiple breeches of my personal info. 

I am again disputing this alleged debt and demand that ERC cease collections. ERC has violated my rights under the FDCPA last year by reporting a debt to the credit bureaus that I had actively disputed. I should have filed a class action lawsuit then but backed off when ERC removed the entries from my credit report. 

This time reporting of this disputed alleged debt to the credit bureaus will most definitely result in a lawsuit.
Consumer complaint received 2020-05-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (UT)

On the week of XX/XX/20 I called in wanted to find out information on my dispute. I waited 2 1/2 hours on hold, only to be told that I couldn't be helped over the phone. I was told the issue of lock out of my account was to be escalated. I would receive an email withing 24 to 48 hours ( that didn't happen ). When calling back XX/XX/20, the person who answered could not get into my account. I asked for a supervisor, another 2 hrs, only to be told there was nothing that they could do. That I could send a letter to Equifax.
Consumer complaint received 2020-11-20
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (NJ)

National credit system is reporting inaccurate information on my credit report stating i owe {$5600.00}. I have no knowledge of this debt and never was informed about this debt, i would like validation of this debt with my signature on any type of written agreements stating this debt. If company fails to provide documentation please remove debt from my credit file.
Consumer complaint received 2020-09-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

Letter to Menards Just wanted to let you know that Capital One has canceled my Contractors card and are still holding my monies in excess of $ XXXX neglected to contact me that they was closing my account which ends in XXXX. I do plan on filing a complaint with the FTC. We have been a family Partnership in Indiana since XX/XX/1982. I have been a customer since the store opened in XXXX, Indiana. Capital One is unprofessional when it comes to refunding money or notifying the closure of an account. A copy of this is going to the FTC.
Consumer complaint received 2017-10-22
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. (MS)

XXXX reporting Student Loans in my name for XXXX XXXX XXXX, XXXX XXXX, etc over XXXX XXXX XXXX, that are fraudulent and do not belong to me. I have requested that the fraudulent information be removed from my credit report. 
I have had XXXX credit and this information has reduced my XXXX XXXX tremendously due to fraudulent information. 
I have reported identity theft to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Report # XXXX Please remove false information from my credit file.
Consumer complaint received 2024-04-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AZ)

I contacted Portfolio Recovery Associates in XX/XX/XXXX about a debt collection for a XXXX credit card that I was unaware was opened in my name in XXXX and am now being garnished through a court order through the XXXX XXXX Justice court in Arizona, reference case number XXXX. I asked portfolio recovery for a copy of the case files and documents to report the fraud in their system, they co formed my updated address over the phone however the documents were never received. I asked the court for a copy of the case files as portfolio recovery did not want to disclose the details and referred me to an attorneys office they partner with. The attorneys office stated they would send the original contract to my updated address however this never arrived. XXXX XXXX Justice court provided the case files and the affidavit of the process serve documents where I found that an obsolete address was served in XXXX to an unknown person that does not fit my demographics. To date, I have not heard back from Portfolio Recovery Associates or the attorneys office they partner with to submit the garnishment documents to the court.
Consumer complaint received 2023-02-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

In accordance to the XXXX XXXX XXXX XXXX Account XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish a account without written instructions.
Consumer complaint received 2018-07-16
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (SC)

About two weeks ago, I reached out to Synchrony regarding the number of calls that I've been receiving in one day regarding two credit card accounts that I, either had or have ( I recently had a card back by them for XXXX and now a card for Care Credit they are also backing ). I did explain that I know that I was late and don't need them to call me as much as they were to tell me this. I spoke with someone about stopping the numerous of calls I have been receiving, and stated to the rep that if this continues, then I'll file a complaint. The rep understand and placed my account on the Do Not Call listing they have in-house. This only worked for a week. Sunday ( XX/XX/2018 ), I received non-stop phone calls from them with the first one occurred at XXXX XXXX and continued on through the day until XXXX XXXX. On top of the harassing phone calls, they are attempting to call me from various of other phone numbers, such as XXXX XXXX, XXXX, numbers from Texas, and from Kansas. The number of times they are calling in a day is a definition of harassment.
Consumer complaint received 2021-07-07
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. (NY)

I sent several dispute letters to the credit bureau for the following account but still have not received any response from them. It is more than 45 days since I sent my last dispute letter. 
XXXX XXXX  Account # : XXXX ( XXXX  , EX, XXXX  ) XXXX  XXXX  Account # : XXXX ( XXXX, EX, XXXX  ) XXXX Account # : XXXX ( XXXX, EX , XXXX  ) XXXX Account # : XXXX ( EX only ) XXXX Account # : XXXX ( XXXX, EX, XXXX  )
Consumer complaint received 2019-10-30
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: LoanCare, LLC (OH)

We are a attempting a short sale with Loancare. This process has been going on for over 8 months, the past 2 months I have been calling in about 2 times a week to get a status on the short sale approval letter. Every time I call in they tell me to call back next week and we will have a decision. The last 3 weeks I have been calling on every day and speaking to a manager, each manager I speak with says the file has been escalated and we will have a decision in 48 hours. 2 weeks ago the manager said I will receive the short sale approval letter the next week. XXXX the manager Im speaking with now wont give me his last name. XXXX just told me the file has net been reviewed for a short sale. Can someone help Loancare follow short sale guidelines
Consumer complaint received 2020-09-22
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch (OH)

Second Round Sub LLC contacted me in XX/XX/XXXX about a debt. On XX/XX/XXXX, within the 30 days I had to request validation of said debt, I sent a validation letter. I had received nothing in return until XX/XX/XXXX when I received notice of being sued by the company 's attorney. According to FDCPA they are in violation by trying to collect on a debt they never validated.
Consumer complaint received 2019-10-30
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. (CA)

I have tried fixing this issue with the Equifax, attached police reports and everything and they say these fraudulent accounts belong to me. They need to be deleted now, like the rest of the credit bureaus did.
Consumer complaint received 2017-08-09
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (CT)

I have defaulted on my student loans. I have made several attempts in the past 11 years or since XX/XX/XXXX ; to file for forbearance, to make payments and to use the income based repayment plan offered. Each time I took the time to contact the lender ( XXXX later Navient ) there always seemed to be an issue with paper work submitted and needing to update the next month. I made several attempts with payment arrangements over the phone to get payments to an affordable income based amount only to be told I had to resubmit and reapply for income based arrangements within days or weeks of submitting paper work. The entire process has cost me much time and even greater money, because despite my attempts at income based arrangements in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX my original loan of XXXX has now grown to XXXX and is closed but Navient continues to call me XXXX times per day. The gentleman named XXXX assigned to my case has contacted my supervisor and most recently on XX/XX/XXXX the secretaries and receptionist at work asked me how they can get this guy XXXX from Navient to stop harassing them " every half hour, all day every day ''. I have not contacted the lender or debt collector for the past 18 months or so because I feel it has not helped in the past with false claims on options offered ie making arrangements to pay {$54.00} per month, and then two months later needing to go through the entire lengthily process again. I have worked at a non profit public service job for the past 11 years and have not had a raise in 8 years. I make {$XX/XX/XXXX} an hour working a 40 hour week with no changes in my income. I am XXXX years old and have had good to excellent credit throughout my adult life until Navient came into my life. I am hoping you can assist with getting Navient to stop calling my Employer 's main number and my supervisor ; I have not given nor have I ever given them permission to do so. I have however, given them my work cell and my personal cell numbers to call with concerns and issues. Please assist any way you can. This is not only troubling to me but to my co workers who HAVE to answer their constant calls because that is their job. Thank you for your assistance in this most troubling matter. I would be happy to be able to pay them {$54.00} a month the amount they have negotiated with me on several occasions to alleviate this problem. I can not afford the $ 250-300 they continue to seem to want despite offering me options. Ideally it would be a relief to be able to get my credit score back to the XXXX range but I can not see a way out with this navient " monkey on my back, '' Thank you for your concern, XXXX XXXX
Consumer complaint received 2023-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (OK)

Someone fraudulently opened a XXXX credit card under my name. I did not open any new accounts or have my credit checked. I contacted XXXX and they closed the account. I told them to remove that fraud from my credit report. I then disputed the fraud on my report with all 3 credit bureaus and XXXX twice now just says they verified the account information. It is not me and i want this fraud removed ASAP
Consumer complaint received 2020-05-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (FL)

On XX/XX/XXXX I had an account to become pass due with XXXX University. 
They sent it to Abillity collection services whom then sent it to credit XXXX and XXXX credit reporting services on XX/XX/XXXX. My compliant is I asked the Credit bureau for verification of bill all they say it been verified, not telling who verified it or how. Also the Account has an incomplete Account number in Violation FCRA and also it been time barred because it been over seven years since date of XX/XX/XXXX when it became past due. 
It have made calls to both XXXX and Ability services they were rude both hanging up the phone when I asked for verification information. please help me to get some resolve in this case.
Consumer complaint received 2022-08-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Fidelity National Information Services, Inc. (FNIS) (CA)

ALL BELOW ADDRESSES WERE TOLD TO BE REMOVED AND ARE NOT MINE AND NEVER HAVE BEEN. CHEXYSTEMS has been INTENTIONALLY DENYING THE REMOVAL OF THESE ADDRESSES phone numbers and names. 

NAMES TO REMOVE : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ADDRESSES TO REMOVE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX PHONE to REMOVE Phone Numbers : XXXX ; XXXX
Consumer complaint received 2019-10-30
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC. (TX)

Hello, I was overcharged for services that were provided by PennyMacUSA, my current servicer. They charged me {$820.00} for an appraisal and when I spoke to the appraiser, the charge was {$420.00}. The average cost of an appraisal is {$450.00} in my area in Texas. I also got quotes from 3 additional appraisers and they quoted the same amount.
Consumer complaint received 2019-10-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Thaxton Investment Corporation (SC)

I fell behind due to medical and XXXX XXXX has continued to harass me and my family. They have been calling my references at least twice a day telling them they been trying to get in touch with me and no response. I have my whole family telling me to pay my Bill 's and to tell the loan company to stop calling. I definitely intended to pay my debt to them. From all the stress o have been through now my family and friends are not even speaking to me because I owe money and they are being harassed. I've told them when they come to my home my situation and offered to make a payment online and she said no I need to talk to XXXX. The first time they came to my home I called XXXX and she demanded me to come in I told her no. She said I had to so I told her I would make a Payment. My car was not working properly. They have been to my home four times and calls me and my family. There address is XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX and phone number is XXXX.
Consumer complaint received 2017-08-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

This is rehashed from complaint XXXX, seeking the dispute of resolved matters after closing this CFPB complaint ... BOA has been given attachements showing the fraudulent charges by XXXX, confirmed by XXXX Presidents office as being almost double of what I was quoted.
BOA refunded {$210.00}, but that was much less than was reversed of XXXX..
Essentially, I want refund of ALL overdraft fees I 've been charged for the last 6 months due to XXXX over billing, debiting my acct for a fraudulent amount, I did not agree to ...
Consumer complaint received 2021-01-25
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

On XX/XX/2020 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.