davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-06
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: Experian Information Solutions Inc. (NJ)

in accordance with the Fair Credit Reporting act XXXX  Account XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 my written instructions
Consumer complaint received 2021-03-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (IL)

I contacted PNC Bank and requested COVID payment deferred payment. I made the request online. But also called as well and was verbally advised that the personal loan was fine under the deferment. 

A few days ago, I received a notification via XXXX of a 30 day late reporting. My FICO credit score dropped 78 points.
Consumer complaint received 2023-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A. (IL)

CBNA/XXXX  XX/XX/2021 The inquiries on my credit report auras are XXXX, XXXX, XXXX XXXX XXXX not unauthorized report
Consumer complaint received 2023-03-19
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Reported these are fraudulent inquires on my credit file. i did not authorized these inquires but these companies will not send me proof it was me, they refuse to remove them saying its accurate when it is not
Consumer complaint received 2019-12-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc. (CA)

Upon searching for a lender that would approve me for a high debt to income ratio jumbo loan, I was referred to XXXX XXXX XXXX XXXX , XXXX. They advised me to complete the application to determine the loan amount for which they could qualify me. I explicitly withheld my social security number because I didnt want them to run credit and honestly disclosed that my score was in the excellent range. However, they got my social security number from other supporting documentation I gave them strictly for underwriting purposes, eg W2, and ran a credit report without my permission.
Consumer complaint received 2020-10-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A. (NC)

I disputed a erroneous item reporting inaccuracies from CITICARDS CBNA on XX/XX/31 via certified mail and I requested the documents to validate the debt be mailed to me within the allotted 30 days the FCRA gives. 45 days passed and the company still did not respond. I attempted to call the company and could not get through to who I needed because the information I provided to them was not in their system. I spoke with a manager who was able to locate a debt but the information on the account was different from mine. I let them know I never had an account with this company. I asked for validation and the representative said they dont respond to those types of request and I would have to pay the debt. I then pulled a comparison report from XXXX where I noticed CITICARDS CBNA had been reporting inaccuracies and different information to different bureaus. I filed a dispute with this information. XXXX deleted the account for not being verifiable after its investigation. XXXX and XXXX   stated they updated the account from my previous dispute. They didnt even consider the multiple inaccuracies CITICARDS was reporting. I am trying to buy a house and this account has cost me so much from housing opportunities, to job opportunities to health issues from stressing about their negligence.
Consumer complaint received 2020-06-04
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. (AR)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Consumer complaint received 2021-05-19
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)

There is a XXXX account reporting on XXXX and Equifax that is not mine. I was not liable on this account and was only an authorized user. I've sent multiple letters to dispute this item directly and they have failed to remove it from my credit report.
Consumer complaint received 2021-06-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ATG Credit, LLC (UT)

I received a collection notice from ATG Credit , llc. on, or around XX/XX/XXXX. The letter is dated XX/XX/XXXX and is claiming a debt owed to XXXX XXXX XXXX for labs billed by the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX. My understanding is that XXXX XXXX XXXX filed bankruptcy in XX/XX/XXXX and went of out business at that time. 
When I received my original statement from XXXX XXXX my insurance at that time ) in regard to XXXX XXXX XXXX bill, it showed the allowable charges and their payment. It also had an explanation of benefits that states I have 0 % patient responsibility for the remaining balance. XXXX was a contracted insurance provider with the office. 
The billed amount from XXXX XXXX XXXX was {$4600.00}. XXXX paid for the allowable charges and sent a statement explaining the balance with a {$0.00} patient responsibility. I have a copy of this statement. I also sent a response to ATG Credit, llc.within the required 30 days asking for proof of services that created the alleged debt, how the debt was calculated, copies of any papers that show I have an obligation, show that they are licensed to collect in the state of Utah, and provide me with their license numbers and Registered Agent within 30 days. 
In response ATG Credit , llc. sent a repeat request on XX/XX/XXXX with none of the requested information. Just a list of billed labs. 
I should also mention that after the statement from XXXX was received XXXX XXXX XXXX never sent any further communication. XXXX XXXX XXXX told me their contract with XXXX XXXX XXXX states they accept payment of whatever allowable charges are paid.
Consumer complaint received 2022-01-31
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. (IL)

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO. (IL)

After reviewing a credit alert on XX/XX/20, I noticed that my credit score had dropped due to my credit limit on my chase card being lowered. I had no knowledge of this being done. I called chase and they informed me that they had notified me however i never recieved any information from them. I contacted them and they advised me that the only way to revert my credit limit back to what it was would be to do a credit check which also would have a negative impact on my credit as well. I would like my credit limit restored to what it was prior to them lowering it without my knowledge which has a negative impact on my credit score. I actually believe that they lowered my credit score due to them purchasing my home mortgage from my loan originator and thus now having that loan on their books.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (OR)

On XX/XX/XXXX, of 2019, I sent a letter to Portfolio Recovery Associates on account listed below requesting balance. 

Case # XXXX PRA File No : XXXX Original Creditor : XXXX XXXX  XXXX Original Acct Ending # XXXX XX/XX/2019 I have a letter from Portfolio Recovery Associates replying to ledger request for all payments & balance for this account. The payments amount came to XXXX as of XXXX. I have continued to make payment payments of minimum XXXX as agreed upon per mediation and stipulated agreement. 

On XX/XX/2019 in my XXXX  PO Box a letter dated XX/XX/2019 from Portfolio Recovery Associates for a settlement offer for XXXX. The balance details an incorrect as you will see by attached letter dated XX/XX/2019 requesting payments and balance. In addition, you will see on the mailed envelop is sent to my previous XXXX  address where I no longer reside. I have continued to make payments per stipulated agreement.
Consumer complaint received 2020-07-07
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. (AR)

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. DEPTEDXXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00} DEPT OF ED/XXXX/XXXX XXXX {$3000.00}
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY (CO)

I settled 2 student loan accounts with Wells Fargo in XXXX. During the negotiation process I was told my credit reports would be updated 15 days after payment was received to show the accounts were settled and closed. Wells Fargo received the settlement payments on XX/XX/2020. I contacted them on XX/XX/2020 to confirm when they received payment and was told at that time my credit reports would be updated within 30 days from receipt of payment to reflect the settlement payments. I let the representative know I had been told 15 days but they told me I was informed incorrectly. Once 30 days passed I checked my credit reports multiple times to confirm that they were updated to reflect the settlement payments but Wells Fargo has made no updates. I called Wells Fargo on XX/XX/2020 to inquire when the reports would be updated and the representative told me I needed to wait. I informed her I had been told the credit reports would be updated within 30 days and she said maybe it would be done in 60 days and to check back later. She could not confirm if and when the updates to my credit report would be made only that I needed to wait.
Consumer complaint received 2019-12-10
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I have been contacted by capital one collections multiple times via my cell phone and work cell phone about a debt I have never received any verification or validation. I have asked Capital one collections to stop calling my phone and to communicate by postal mail only as they are violating the Telephone Privacy Act. I am going to file a lawsuit against the company if communication is not ceased immediately. The fine for every call after I cease and desist is $XXXX. I have filed a legal complaint with XXXX XXXX XXXX as well as the FCC and FTC.Today i received a notification that XXXX  XXXX  has reported a negative account from capital one for $XXXX. I have never received a debt verification or validation from the collections or how to dispute. Also, once XXXX  XXXX  purchased the account from capital one, they voided any payment agreement in place as Capital One has now been paid in full. I do not have a card account with XXXX  XXXX  and they should not be contacting me to collect any debt that i do not owe them.
Consumer complaint received 2023-03-29
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (IL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-08-06
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc ()

I would like to bring your attention to a serious issue I have with PayPal wires that first took place on the XXXX of XX/XX/XXXX to a FRAUD SCAM Brokers : XXXX XXXX ( XXXX XXXX XXXX, XXXX ). 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX ( XXXX XXXX XXXX, XXXX ) - the Scammer. 

The funds were transferred utilizing PayPals services in the total amount of XXXX CAD! I would also like to point out that on the XXXX of XX/XX/XXXX - I filed a dispute with PayPal.
Consumer complaint received 2022-02-01
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P. (PA)

LVNV aka Resurgent Capital Services. This company continues to contact me regarding multiple debts that they have not verified/validated. They have emailed me over 90 times regarding different accounts they allege I owe. I have sent them a cease and desist notice which they have failed to honor. They are not only continuing to send me mail, but they are indirectly communicating with me via furnishing incorrect data to various consumer reporting agencies which is a violation of the FDCPA. They have submitted evidence through their representative which shows they have continued to contact me after they have received my notice to cease and desist all communication efforts regarding any debts they allege I owe. They received my letter on XXXX XXXX, 2021 and have sent me mail concerning these alleged debts XX/XX/XXXX and XX/XX/XXXX of 2021. This harassment and abusive debt collection practices. They are bullying me and trying to collect on debts that are not mine. None of the statements or information they are reporting on me is connected to any address of mine clearly this is an error and they have not efficiently investigated any of this information. I am demanding they remove all accounts they have furnished on my consumer report with all credit reporting agencies immediately.
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A. (FL)

On XX/XX/2019 I purchased four XXXX cards in the amount of {$500.00} each which is a total {$2000.00} I got a scammer call from the FBI and I wasn't aware it was a spoof call, I was told by both law enforcement and the credit card company where i purchased these cards to give them a call to see what they can do and so far no one has helped me!
Consumer complaint received 2022-08-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC (CA)

My debt started out with XXXX credit card. I fell behind on my payment as I was off work without pay to take care of my sick mother who ended up passing during covid. I tried contacting XXXX on several occasions by phone putting my credit card information in on the automated system. I could never got a live body to speak with in which the system would state that my account was being sent to collections and I should receive something by mail or a call in a couple weeks. I never received any information for the collection by mail not once nor have a received a call from them. The collection company is call Spring Oaks Capital LLC. After a couple of months I received alert from my credit report company stating that they had add this to my credit report without contacting me. I have filed a dispute against XXXX because it is hard to get a live person to speak with so that I could settle with them and then I have also filed a dispute with the credit breu reporting agency and XXXX  against Spring Oaks Capital LLC. I filed these complaints on XXXX and still have not heard back from either company. I have asked for both of these accounts to be removed. XXXX rips people off with. My credit limit was XXXX XXXX I tried to pay them the XXXX dollars to settle before and they told me I would have to pay the whole XXXX. As for Spring Oaks Capital LLC. Not one letter or notice mail to me or call to speak about this debt but you throw it on my credit report. I would like both of these account removed. XXXX credit cards needs to get a better system so you can speak with a live rep. If I was able to do this maybe I would have been able to find out who the collection agency was and make a dispute or pay it before this took place. Now both of these companies are on my credit report.
Consumer complaint received 2020-07-07
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. (AR)

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$18000.00} XXXX   XXXX {$2200.00} XXXX XXXX {$750.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX   XXXX {$5500.00} XXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$4500.00} DEPTEDXXXX   XXXX {$3000.00}
Consumer complaint received 2020-07-07
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

I was evicted from XXXX XXXX XXXX  in XX/XX/2016. Manager XXXX told me not to pay rent and just to move due to previous altercations with neighbor below me. However, during court appearance, the balance owes was only {$1300.00} and now I have a creditor named Pro Collect trying to collect XXXX in owed rent which I feel is unfair if the manager refused my rent payment. This has caused hardship in me finding other places to live and I was forced to live with relatives because no one would accept me with that large amount being owed.
Consumer complaint received 2020-07-07
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL (CA)

I signed up for a store card serviced by Synchrony Financial. Without my consent, I was signed up for a significant monthly " card protection '' fee. They did ultimately agree to cancel the fee and refund, but this unethical practice needs to be reported nonetheless.
Consumer complaint received 2020-07-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc (NJ)

Hunter Warfield is a collection agency for XXXX XXXX. XXXX XXXX is a collection agency for XXXX XXXX. My account for XXXX XXXX was held by XXXX XXXX. I contacted Hunter Warfield and spoke with XXXX XXXX who told me that Hunter Warfield no longer had my account and XXXX XXXX did. I asked XXXX to please send a request to the credit bureaus to remove Hunter Warfield from my credit report. XXXX was very rude and told me if I called back, the company would press charges. I called XXXX who agreed to give me letter stating that XXXX XXXX had my account for XXXX XXXX. I paid the account for XXXX XXXX in full including fees to XXXX XXXX. 
Hunter Warfield remains on my credit report and continues to increase the balance biweekly. I would like Hunter Warfield to remove themselves from all 3 of my credit reports as they did not even hold my account and my account is paid in full with another collection agency.