davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-20
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing made a billing error on my first statement after they purchased my loan from XXXX, and in their error, they are charging me {$670.00} in late fees, on an account that has never been late. I tried to call customer service, as well as fax my request with copies of my previous mortgage statement that shows the account was paid up to date, and the company did not resolve the issue, multiple customer service agents said they would look into the issue and contact me back, they never did. After multiple attempts at phone calls, messages, and faxes, one of the customer service team members lets me know that unless my request is mailed to a XXXX XXXX they completely ignore it. If the request is not mailed to the XXXX XXXX within XXXX days, the fee becomes valid, even though they charged it in error. I have now mailed the request with all supporting documentation to the XXXX XXXX they have, and I am working through the process of correcting this issue with them. I am filing a complaint because their process is incredibly difficult for a consumer to follow in order to notify them of their own billing problems. The po box address is hidden in " fine print '' on the statement and is not easily accessible through regular view in their website.
Consumer complaint received 2022-08-08
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (FL)

I have sent numerous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.
Consumer complaint received 2022-01-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC (TX)

I have been disputing the late payments showing on my account for American Credit Accept which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Consumer complaint received 2022-07-19
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. (OH)

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

TransUnion Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2015-09-29
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE (OH)

The Huntington National Bank willfully deposited several Social Security & other checks on which I, XXXX XXXX, was the payee and had not signed in to a checking account ending in # XXXX on or about XXXX, 2012 and continuing beginning with {$31000.00}.
Consumer complaint received 2016-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (FL)

The XXXX XXXX used my social security number without my permission. This is Identity Theft-Fraud. They claim it was an " accident ''. No way. I wrote the credit reporting agys. to be told " if I wanted a credit report, fill out their form ''. I had to stop a mortgage process and needed to stay in a higher cost lease. I went to small claims for the lease amount it cost me to stay where I live, only to be told this was " out of their hands ''. This company knows exactly what it did and what it was attempting. Please help me get justice. Thank you, XXXX XXXX
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (AR)

NUMEROUS LETTERS FROM RESURGENT CAPITAL SERVICES, AND NUMEROUS OTHER COMPANIES LIKE, LVNV FUNDING INC, THAT RESURGENT CAPITAL SERVICES IS DOING BUSINESS AS CONCERNING A CREDIT CARD DEBT FROM 20 YEARS AGO THAT WAS CHARGED OFF 15 YEARS AGO. I HAVE COMMUNICATED MANY TIMES WITH RESURGENT AND RESURGENT 'S OTHER COMPANIES, THAT THIS IS NOT MY DEBT AND TO PLEASE STOP. RESURGENT ET ALL CONTINUES TO USE THE US XXXX XXXX TO HARASS ME.
Consumer complaint received 2022-08-08
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Kirschenbaum & Phillips P.C (NY)

My Wife received a supena letter from their law firm for her to fill out my residency status at our home about this debt. 
I have made contact to the original creditor and stated the account is closed so not sure why they are contacting my wife on an account closed and I believe this is illegal as well.
Consumer complaint received 2022-07-19
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: Experian Information Solutions Inc. (CA)

I have been requesting a response from the credit bureaus regarding verification + validation for almost 1 year of a reported XXXX XXXX XXXX XXXX Experian, XXXX XXXX. the last date of action was taken on XX/XX/2022.
Consumer complaint received 2015-12-03
Product: Credit card — 
Issue: Other — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION ()

I have had a XXXX Credit Card for a couple of years and up until last month looked at balance etc online each month. This month I was unable to access it, Rang the XXXX and they said it was now MBNA - all they could give me was a phone number no other information. I rang the number and got an automated voice who could n't put me through to anyone to talk about it. I have NOT been notified of this change, I do n't know if my monthly payment has been made, what my balance is or how to access the information. I am totally at a loss as to what to do as I am unable to speak to anyone.
Consumer complaint received 2022-07-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc. (NJ)

In XXXX, I first submitted an application for XXXX  Loan Forgiveness. I have been XXXX for XXXX XXXX. My application was kicked back because my chief administrator wrote my end work date was XX/XX/2022 and Great Lakes wrote that a future date could not be listed. 

My superintendent filled it out again this time listing the current date & signing the current date. 

My application was kicked back again because Great Lakes argued I didnt complete section 3 about previous loan forgiveness. That was incorrect and I had the copy proving it was complete. I resubmitted it to Great Lakes with a note saying it was complete. 

Today, I spoke on the phone with a supervisor at Great Lakes after my application was denied a third time because The certifying officials signature date is before the end of the academic year this was exactly what Great Lakes asked them to do the first time they denied my application. 

I spoke with the supervisor nearly an hour. First he argued that my XXXX XXXX XXXX was this year XXXX  We counted together on the phone XXXX, XXXX, XXXX, XXXX, XXXX is XXXX years. He agreed and put me on hold. Then, he told me the application was only accepted after XX/XX/XXXX. I asked where that was written in the document, he put me on hold. He came back after XXXX minutes and said its written on the Department of Education website that only XXXX years can be listed on the application, no more than that. I asked him to direct me to that on the website and he said okay it isnt written there its just a rule. I asked how that is a rule if it is not listed. He told me the only way my application could be accepted if it was resubmitted all over again.
Consumer complaint received 2023-03-30
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. (CA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}. Please delete.
Consumer complaint received 2016-05-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (NC)

I disputed this debt with XXXX and Equifax several times and the bureaus keep this debt on my credit report. I spoke with XXXX XXXX and they verified they have no debt within their system. I am requesting that you investigate XXXX and Equifax that they remove this debt from my credit report and they have not removed it.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (MD)

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Consumer complaint received 2017-03-07
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NM)

I am a victim of identity theft. A XXXX XXXX credit card was opened in my name in 2013. I was unaware of this fraud until recently being contacted by Portfolio Recovery Services who has purchased the debit from XXXX XXXX. 

In order to for me to investigate the fraud, and hopefully have the negative impacts removed from my credit reports, I have repeatedly asked Portfolio Recovery Services for the following information : Application records or screen prints of the original internet/phone/mail application. 
All statements/invoices ( from opening date to account closure ). 
All payment/charge slips. 
Delivery addresses associated with the account. 
Any other documents and/or investigations associated with the account. 

To date, Portfolio Recovery Services has only mailed me a few ( XXXX ) statements from the account. These statements provide scant information and do not address any of my requests stated above. Today I received a letter from Portfolio that stated the following : " If we continue to receive subsequent correspondence from you regarding the dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming. Our office considers this matter closed. '' Even though Portfolio Recovery Services knows we are disputing this account as Identity Theft, they continue to call us weekly demanding payment and we receive weekly letters from them demanding the same. They obviously are not interested in helping us investigate the fraud and are only interested in profiting from it. I hope you can help in forcing them to provide the information I so badly need. Thank you - XXXX XXXX XXXX
Consumer complaint received 2017-03-19
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC. (NE)

This debt is invalid ... either it was already paid or it is far beyond the statute of limitations and yet they continue to send us letters trying to collect a debt that they are well aware is too old to collect. There is a disclaimer statement in the letter itself, but they are trying to trick us to renew the debt and I still see this letter as unethical and harassing. I have no idea how they even got my information.
Consumer complaint received 2023-04-03
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. (IL)

Dear Consumer Financial Protection Bureau, I am writing to dispute a fraudulent collection account that has been reported on my TransUnion credit report. The collection account has been placed by XXXX XXXX XXXX on XX/XX/ 2023. 

I am a victim of identity theft, and this fraudulent account has caused significant harm to my financial standing and reputation. I have never applied for telephone credit, and I have never had an account with XXXX XXXX XXXX. 

I have taken all the necessary steps to protect my identity, including filing a police report and notifying all relevant parties of the theft. However, the damage has already been done, and I am now facing the consequences of someone else 's actions. 

This fraudulent collection account has caused my credit score to plummet, making it difficult for me to obtain credit and access financial services. I have been denied credit applications, and I have been subjected to high-interest rates and unfavorable terms because of this fraudulent account. 

I understand that the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ) provide me with certain rights in these circumstances. Under the FCRA, I have the right to dispute any inaccurate information on my credit report and to have it removed. Under the CFPA, I have the right to file a complaint against the entity that reported the fraudulent account and seek appropriate relief. 

I urge you to investigate this matter thoroughly and take appropriate action against XXXX XXXX XXXX for reporting inaccurate information and violating my rights under the FCRA and the CFPA. 

I appreciate your prompt attention to this matter, and I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

I am a victim of identity theft. The thief [ made a fraudulent transaction/opened a fraudulent account ] in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent [ transaction/account ] identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.
Consumer complaint received 2023-04-03
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. (CA)

This process is a follow-up to prior to my previous complaint that contains these items : XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} XXXX XXXX Balance : {$5400.00} XXXX XXXXXXXX Balance : {$0.00} These items must be removed for they are erroneously reported in my file.
Consumer complaint received 2016-06-22
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

Lady from port folio recovery services called and disclosed a debt from XXXX XXXX that they are collecting for they told the person of the account details and they are not authorized on the account to recieve info. The used XXXX to locate numbers of references and near bys to locate and disclose information.
Consumer complaint received 2015-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (FL)

Pinnacle Credit Service keeps illegally reporting a collection account on my credit reports. This debt is past the statue of limitations and Pinnacle refuses to validate the debt because they have no information regarding this debt. I 've called the original creditor and they have no record of this debt being sold to pinnacle credit services.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (NY)

The following items I have tried over and over with these people and I can't get anywhere with the helping me the following items listed on my report I don't know never did are anything but the go by not answering me or removing the following items needs to be removed from my report. 

XXXX XXXX XXXX Account number XXXX fraud accout U.S. Bankruptcy Court Reference number XXXX. Never filed any bankruptcy in my life time inquiries : XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX inquiry date XX/XX/XXXXXXXX XXXXXXXX Inquiry date XX/XX/XXXX Please remove the items and stop them from reporting this is going on long enough now.
Consumer complaint received 2015-05-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Northstar Location Services, LLC (CT)

XXXX XXXX of North Star Locations Debt Collection, telephone number XXXX is repeatedly contacting my extended family members regarding a debt. He continues to do so after I asked him to stop and explained to him that the people he is calling are in no way involved with my finances or this situation ... .Nor have I ever listed any of the people he 's calling as a contact number.
Consumer complaint received 2021-03-27
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO. (CA)

in XXXX, id theft occurred .Contacted XXXX XXXXXXXX XXXX  and XXXX XXXX resolved. Account frozen UNTIL I SHOW UP IN PERSON to unfreeze it and withdraw money. ONLY previous automatic deposits allowed. Since i am working in an isolated alaska company, that was ok until i return in XXXX. 
NOW i learn on FRIDAY, XX/XX/XXXX account CLOSED on XX/XX/XXXX!!! it takes 10 business days for XXXX XXXX  check to arrive!!! that means {$35000.00} check will arrive MONDAY, XX/XX/XXXX!!! tried calling chase bank to stop payment and cancel check, but CHASE BANK PUT ME ON HOLD AND RECORDING CAME ON BANKING HOURS CLOSED TILL MONDAY!!! ID THIEF CAN BE CAUGHT CASHING CHECK IF CHECK IS CANCELED THIS WEEKEND.