davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Coradius International LLC (FL)

( I leased a car through a company. I return the lease and was not given any paperwork on the status of the vehicle. I return the car in XX/XX/XXXX, in XX/XX/XXXX I get a notice from a debt collector for non payment from the lease company. I never received any bill or payment notice from the lease company. When I contacted the lease company they could not tell me why I was being billed. The debt company informed me that the leasing company had charged me {$120.00} in XX/XX/XXXX andt that there was a charge for {$140.00} that was generated in XX/XX/XXXX while I had previously return the car in XX/XX/XXXX ) Previous issue I sent a certified mail to the creditor as well as the bect collector asking for an explantion of the debt, to which neither replied and put a complain through the better business bureau, to which the creditor lied and said that they sent me one notice in XX/XX/XXXX which they never did. However I still matintain that since I return the vehicle in XX/XX/XXXX I never received any notice from the leasing company. 
So what do I do next to fight this.
Consumer complaint received 2019-02-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

I filed a prior complain to which the company did answer but didn't answer to the matter of the complaint. 
Shellpoint and I agree that the amount of {$1300.00} was taken out of my escrow account on XX/XX/XXXX. Shellpoint claims that " the last payment posted by XXXX XXXX XXXX on XX/XX/XXXX was the Shellpoint tax payment '' ... implying this " last payment '' was the {$1300.00} payment. This is incorrect. The tax collector did receive a payment on XX/XX/XXXX but the payment was only for {$680.00}. Shellpoint ONLY reflects one payment coming out of my escrow account on XX/XX/XXXX for {$1300.00}. These payments do not match on date or amount. If we assume the {$680.00} was taken from the {$1300.00} where did the difference of {$660.00} go? Shouldn't it go back to my escrow account? My escrow account doesn't reflect any deductions for {$680.00} or credits for {$660.00} ... only the {$1300.00} payment that still can not be verified as paid to the tax collector by Shellpoint. Issue has not been resolved.
Consumer complaint received 2017-04-11
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY (MA)

On XX/XX/XXXX/17 TD Bank , N.A . fraud department put an alert on my checking account. On XX/XX/XXXX/17, I was informed the account was open and not closed. On XX/XX/XXXX/17 I transferred monies into the account to pay XXXX ( XXXX XXXX ) rent. T.D. Bank N.A. returned the ACH debit and XXXX filed XXXX XXXX. TD Bank N.A . failed to provide correct/timely information and failed to pay an approved ACH debit.
Consumer complaint received 2017-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (IL)

In XXXX, I was the victim of identity theft. Thieves stole my personal information and opened a credit account at a retailer ( XXXX ). Although XXXX cleared my account the hard inquiry still shows upon my credit report at Equifax.
Consumer complaint received 2017-04-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OH)

In XX/XX/XXXX I received a XXXX Unsubsidized loan for {$3500.00} for XXXX. Since that time, I have heard nothing from my loan servicers ( XXXX XXXX initially, and Navient ). In XX/XX/XXXX, I was sent a single email telling me that my loan was being transitioned from XXXX XXXX to Navient and that nothing needed to be done because " we will get back to you at a later date ''. That was the only email I received regarding my loan. In XX/XX/XXXX, I received a single email from Navient which was an advertisement for a different service they offered ; again, nothing about my loan. 
Now, 10 years later, I am graduating from XXXX school and undergoing mandatory loan counseling and see that my loan of XXXX has become XXXX. Upon contacting Navient, I learned that I was charged multiple late fees ( I was never informed that I had any payments due at any time since I was in XXXX school so loans were deferred ). They also claim that they had emailed me ( they had n't, I did an extensive search of my only email address ) and then changed their statement and claimed that loan servicers do not contact individuals whose loans are deferred. I have a different loan servicer for my graduate loans and have routinely received both mail and email updates regarding my current balance, so I know this is inaccurate. they were also unable to give me a reason as to why I was being charged late fees if I had never been contacted ( per their own company policy about deferred loans ). Ten years later, and I 'm being forced to pay double for something that I could 've EASILY paid off if I had been notified regularly.
Consumer complaint received 2017-04-13
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Harvard Collections, LLC (CO)

Over 20 phone calls from XXXX in two weeks, at least 2 times per day. The past 5 phone calls have been ; XX/XX/2017 @ XXXX XXXX XX/XX/2017 at XXXX and XXXX XXXX, XXXX at XXXX XXXX and XX/XX/2017 at XXXX XXXX. Will not tell me who the debt is originally from or what the debt is.
Consumer complaint received 2017-04-13
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Holloway Credit Solutions (FL)

Was contacted by Holloway Credit Solutions on XX/XX/2017 and told I had outstanding balances with XXXX medical offices and that multiple letters have been sent to me. I have received no letters and requested that the rep on the phone ( XXXX XXXX ) send me something in writing detailing what I owed and that I would take care of it. XXXX XXXX refused to send me ANYTHING in writing and demanded that I take care of the bills on that call with no proof of what I actually owed. I demanded his supervisor name and to speak with her ( He listed XXXX XXXX as a supervisor ) and he refused to give me access to a supervisor or manager of any kind.
Consumer complaint received 2019-02-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ability Recovery Services, LLC (NM)

I have repeatedly contacted Ability Recovery Services which is a collection agency to correct the matter in which I have a letter from the creditor XXXX XXXX that states the account is closed and no debt is owed after filing for bankruptcy chapter XXXX- discharged XX/XX/2019. Ability recovery services has stated they cant close the account when I fact they did then 7 days later opened the account in collections as a new account. They have said that it is closed but they are not reporting it to the credit agencies as a closed account.
Consumer complaint received 2017-07-22
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. (PA)

i submitted a police report and identity theft and affidavit and and a request to block or remove fraudulently activity on my report and they said m police report was fake that they contact acted the police station and that was not true cause i called the police station.They continued to report negative items on my report
Consumer complaint received 2024-02-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or delete the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2022-08-10
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. (MA)

In accordance with the Fair Credit Reporting Act any inaccurate date, information, reported account history, and addresses 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 my written, instructions. 

I pulled my entire credit report and noticed inaccurate dates, addresses, missed payment info and account history, remarks and information. I decided to write 409 letters to each credit agency on XX/XX/2022 to fix this. As well as a verification of method used letter on XX/XX/2022 to follow up and verify information that was verified. I also wrote a demand and comply letter to continue to try and resolve the matter.
Consumer complaint received 2023-04-18
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (ID)

The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you LVNV received disputes in the month of XX/XX/2023 and several reinvestigation demands in which they continued to falsely report. In XX/XX/2023 i demanded certification of accuracies and validated debts with wet signed contracts. Several accounts were deleted then reinserted. Additionally LVNV falsified documents pictures attached to complaint. Note the orders of page and the font is not anywhere else Im the statement because it was not originally in the document. 

I sent a cease and desist after no validation and fraudulent acts on behalf of LVNV. They communicate with me by furnishing*information to my consumer report which the law states is a source of communication.
Consumer complaint received 2019-02-28
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants' Credit Guide Company (MI)

I visited the XXXX XXXX XXXX on XX/XX/XXXX. The cost was {$220.00} which was paid by my insurance on XX/XX/XXXX. On XX/XX/XXXX this amount was moved to collections at Merchants Credit Guide. I had no idea any of this had even happened until XX/XX/XXXX when I applied for a credit card and was told I had something in collections. I called my insurance which said that they should've paid it and I never should have been billed in the first place. I called the XXXX XXXX XXXX and they said they had mailed me the bill over and over, but they had been sending it to the wrong address. After the due date was passed it was sent to collections. 
I logged into my insurance account online to see if I could find the original date of the doctor 's appointment that had started all of this. I saw that they had paid the bill just one month after my appointment.
Consumer complaint received 2017-04-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (TX)

On Thursday XX/XX/2017 @ approximately XXXX I notice an Inquiry on my Equifax credit that I did n't authorized or recognize. I called Equifax and spoke to an agent and informed the agent I had an inquiry for credit on my credit file that I did n't authorized as I did n't apply for nor was denied for any create from XXXX with in the last 90 days. If I had of applied for credit that was denied XXXX with the FCRA I would have received a letter of denial and a chance to receive a free copy of my credit report. The agent informed me that according to Equifax the inquiries are true unless the creditor provides me with a letter that states otherwise. I called XXXX at XXXX and spoke to XXXX who informed me that XXXX does n't send out letter to the consumer to remove credit inquiries to dispute the Inquiry with the Equifax and they would send verification to XXXX. On Friday XX/XX/XXXX at XXXX I called Equifax to open the dispute the agent told me they could n't do a dispute on the phone for the inaccurate inquiry information I would have to open the dispute online. After I got off the phone with the agent I called back and spoke to an addition agent who told me to contact XXXX informed her that I already tried that route and per the FCRA I should be able to dispute inaccurate information on my file. She said that she was sorry the only way to dispute the information was to dispute it online. On Monday XX/XX/XXXX I opened a dispute with Equifax for the unauthorized inquiry on Tuesday the dispute was closed with the following information " '' We have reviewed the inquiry information. the results are : Inquiries are factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX, XXXX, XXXX VA XXXX phone : XXXX. On Tuesday XX/XX/2017 upon receipt of the dispute findings I called XXXX at the number listed above and spoke to XXXX. XXXX researched the XXXX system and informed me he had no recent request for credit on my behalf and that they could n't send me a letter. I asked for him to transfer me to the Fraud department he did and I was transferred to XXXX at XXXX who reviewed my account and informed me he had no new request for credit for XXXX. XXXX called XXXX with me on the phone and spoke to an Equifax Representative reference the inaccurate information. The Equifax agent told XXXX the information would be taken care of yet when XXXX hung up the phone the representative stated he could not resolve the issue and had to transfer me to an additional section. As a Consumer I know I did n't request any credit from XXXX and to be given the run around by Equifax is unacceptable. To be provided a system generated response to dispute versus the dispute being investigated is disheartening. Please look into this matter for me thank you. XXXX
Consumer complaint received 2015-05-18
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (HI)

In 2013, I disputed with Equifax Account XXXX XXXX with Equifax based on a plethora of inaccuracies. As expected, the item was deleted from my credit report. However, recently I have noted that Equifax has re-inserted this previously deleted item. As well, Equifax failed to provide timely notice to me of this action taken as required by the FCRA 611 ( 5 ) ( B ) ( ii ). Attached is the dispute results from 2013 which indicate the item was previously deleted.
Consumer complaint received 2020-10-07
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

My name is XXXX XXXX I have an issue of Portfolio Recovery Associates they have been calling me non-stop during the pandemic even though my work went down to 50 % my landlord even had an agreement signed saying about my work shutting down I have threatened them with a protective order they still don't stop calling. And tonight I am 99 % sure called me and took a 30 dollars from phone bill when I picked up the call. For 2 years none stop from differnt numbers all differnt times differnt people same company Portfolio Recovery Associates and it's over a debt with XXXX XXXX that was a fraudulent debt when somone took a criedt card I forget about. 5 years ago almost 6.
Consumer complaint received 2022-03-02
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)

I have been trying to get these fraudulent accounts off my off my credit report for some time now. I sent a few mail documents to XXXX, XXXX and Equifax back in XX/XX/2021 and I still haven't seen any updates on my credit report. Every time I check my email, I get alerts stating that my information has been compromised and is on the dark web. When I called the credit bureaus they said I need an FTC report. I have never done business with these companies. I have attached the FTC report along with my Driver 's license and social.
Consumer complaint received 2019-02-28
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Problem with the payoff process at the end of the loan — 
Company: AUTOMOBILE ACCEPTANCE CORPORATION (GA)

I have an account with XXXX XXXX ( Automobile Acceptance Corp. ). I got the loan in XX/XX/XXXX and have been paying on time until i became sick in XX/XX/XXXX until XX/XX/XXXX where I filed a insurance claim to pay for those months because I was out of work. I then made a payment n XX/XX/XXXX of about {$300.00} and something to bring my account to a current status. Beginning XX/XX/XXXX i have received almost 3 calls per week not including the calls that were made to my job for payment after I sated to them that I wanted to pay off my account at the end of this month. I requested a payoff online on Sunday XX/XX/XXXX. I  spoke to a representative on Monday when I received another call for payment verbally and was not given one but a date to pay before collections which was XX/XX/XXXX I stated to them once again that i needed a payoff and that i didn't get paid until the XX/XX/XXXX, no help, no progress. after hanging up with them I received a corresponding email to my pay off request that stated that I have until XX/XX/XXXX to pay the amount in full. On today XX/XX/XXXX i received a call once again asking for payment. I then stated to " XXXX '' that i did receive a payoff payment date and that I had to the XXXX to pay it off and that I was gon na pay it by tomorrow XX/XX/XXXX because  that when I would have the funds and that there is nothing i can do but wait until my check clears what more does she want me to do?! She then tried to tell me that that is not what that means and she stated i need to make a payment, I didn't like the tone of her voice so i told her she would get it tomorrow, have a good day and hung up. This is my 2nd loan with  them and i just don't understand how they could harass a person that's doing what they are supposed to do i'm not months behind the month isn't even over and they are hounding me.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TN)

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX, a credit card account opened at XXXX XXXX  on XX/XX/XXXX, a credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX, a collection opened at XXXX & XXXX on XX/XX/XXXX. Unauthorized inquiries XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2024-10-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (GA)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their 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 XXXXXX/XX/XXXX
Consumer complaint received 2024-02-27
Product: Credit reporting 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. (IL)

The Information listen was never authorized by me to be submitted for please remove the following inquires and accounts from my credit report XXXX XXXX XXXXXX/XX/XXXX and XX/XX/2024, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXXXXXX XXXX XXXX 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 XXXXXXXX XXXX Please remove These following inquires Immediately. 

I also request that XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Be removed as this is not my account and was open fraudulently. 

XXXX XXXX XXXX be updated as I have never been late on my report or had a repo. 

I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.