davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC (CA)

My name is XXXX XXXX XXXX. 

I am filing a bad collections practices complaint against Credit Control , LLC. 

Its address is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX MO XXXX ; and its phone number is XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX ( a debt-modification law group that I contracted with ) negotiated and settled at a discount a XXXX XXXX XXXX loan with an account number of XXXX balance at time of settlement was {$16000.00}. XXXX settled with Credit Control for {$8400.00}. The settlement document is attached. 

The details of the settlement document show it was a 24-month payment plan. XXXX mailed monthly settlement checks to Credit Control each month for 24 months starting XXXX of XXXX and ending XXXX of XXXX Credit Control cashed 23 of those checks. However, Credit Control claims it did not receive the 24th monthly check ( XXXX of XXXX ). Credit Control then declared the settlement defaulted, it kept the {$8200.00} XXXX paid on my behalf for the settlement, rejected and declined XXXX repeated requests that Credit Control honor the written settlement agreement, and then Credit Control sold the XXXX XXXX XXXX XXXX account to XXXX XXXX XXXX XXXX XXXX XXXX That letter is attached. 

XXXX XXXX XXXX XXXX XXXX maintains I owe the remaining balance of the overall debt : {$8700.00}. 

I allege that Credit Controls actions are illegal bad collections practices and, therefore, in violation of the Fair Debt Collections Practices Act. 

XXXX XXXX XXXX did mail the 24th ( XXXX of XXXX ) to Credit Control on time as it had done during the course of the settlement payment plan. What XXXX did was include that check in a batch of multiple settlement checks for other clients settlements and put them all in one envelope and mailed that envelope with those checks enclosed to Credit Control. Credit Control did receive the mailing. XXXX confirmed that because those other checks were cashed by Credit Control. 

Here is my contact information : Phone : XXXX Email : XXXX XXXX
Consumer complaint received 2021-11-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (IL)

this company is harassing me about a debt that i do not owe. I tried to contact the original company to have it remove but the debt was sold to a third party and i was also mistreated and misdirected in the entire situation. I do not owe this debt because i have never had a XXXX service of any sort. The fcra and the fdcpa both state that a third party collection agency must be able to present documents to verify anything that they are reporting on a persons credit report and failure to do so could result in fines and penalties in which i will seek for the damages this is doing to my credit reports and my scores. This company must have a copy of an identification card as well as a copy of a ssn card and a purchase receipt to show the exact item or service that i am being accused of buying and a signed original contract with my signature and XXXX  agreeing to any debt to be paid etc or i will seek compensation for the problems this is causing in my life. This company is also very rude i tried to contact them but i was hung up on by an employee and that just made the situion even worst in my opinion because not only are they forcing unowed debts on me but they are disrespectful at the same time
Consumer complaint received 2021-09-02
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: EQUIFAX, INC. (GA)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.
Consumer complaint received 2022-08-01
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: Blackhawk Network Holdings Inc. (LA)

On XX/XX/2022 I purchased ( 6 ) XXXX XXXX as you go prepaid XXXX each at the XXXX XXXX XXXX XXXX located in XXXX XXXX XXXX Louisiana the total of all ( 6 ) cards totaled {$3000.00}. I have never used these cards before and a employee from XXXX asked me what I was looking for and i said XXXX gift cards.She picked up 6 as i requested and said to go to customer service and purchase. I did and went home to activate cards. Once I completed I tried to use cards and couldn't. I then read info and found out cards had to be registered. However I tried registering cards and it wouldn't process. This is my first time ever to use this XXXX card when I started reading I realized they were the wrong cards and in fact were not gift cards. I am at a loss because I can't use the cards and i can't use the atm machine to get money back. I am not familiar with your cards and i personally never would have purchased said cards had i not been told these were gift cards. I am XXXX XXXX XXXX and can't lose this large amount of money. I was purchasing to help a family member in need and now i can't. I am requesting to be reimbursed as soon as possible and would like to redeposit into my account asap. I beg of you I'm not in the habit of making such a mistake. But i did can you please help me.
Consumer complaint received 2022-08-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

I have a collection from LUNV from a XXXXXXXX XXXX  credit card in the amount {$11000.00}, I did not make this purchase or authorize any person to charge this card. I have disputed, it was taken off of my XXXX account but it was denied by XXXX. This is effecting my credit very badly and I need to get it removed. I really hope you are able to help me do that in the fastest way possible. I thank you in advance.
Consumer complaint received 2023-02-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MI)

I have been using Venmo for a long time without issue. Small sales, Rent payments, the normal things. I own a small sign company, am working on a sign for an XXXX XXXX in XXXX XXXX Michigan in my home state. XXXX XXXX Sent me {$710.00} for the payment to produce and install the sign. I do have a business account also attached to my venmo account. In the comments section, he stated new sign. Upon receipt, I logged in to complete an instant transfer as I have done many times in the past and it said it could not be completed. I tried again, no luck. I removed my card, re-added it and still no luck. I called Venmo, explained the same details and was recommended to remove the card and add it again. I said I already had and they informed me that it can take a little while for the system to update but I could make a standard withdrawal to my bank account on the account. I said it had not been verified and they said verification only applies to funding not withdrawals. I initiated the withdrawal, received notification via email that the estimated arrival to my Bank. In the meantime, Venmo 's site informed me that my Venmo XXXX would be expiring soon and I should order a new one, Did so and it is actually arriving today. 
Within minutes of all of these transactions, I received an email stating my account is temporarily frozen. I responded to the email asking why and have had no response. I called back and was told I could not talk to anyone and had to contact them VIA email. I have since, received automated messages, asked for explanation and have yet to get a response, Venmo has not requested any information and they have actually verified my bank account all while being frozen. I have talked to whom I was told was Supervisor with no resolution, have been told that my Ticket # XXXX has been escalated and I should have a response in 7 days. These practices are criminal in the electronic world today. I need my account restored or funds returned to the sender. 
Desired Settlement : I requested the money be returned to the Sender and they told me that can't happen because my account is now suspended and still give me no reason as to why or any resolve.
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have an account that was listed on my credit bureaus in the name of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY. I have no knowledge of this account or to XXXX. The phone number is just a recording and I have sent emails with no reply. This is fraud
Consumer complaint received 2022-08-01
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current (MS)

I deposited {$7400.00} into current account XXXX from my cashapp account that was supposed to been moved into my XXXX account XXXX from my XXXX XXXX account the 5 day money was still pending I contact them asking why was it still pending and that XXXX XXXX no records of pending payments they closed my account no response I called they said I would get email if I had a problem to email them I did no response no funds no way to get my money back nothing
Consumer complaint received 2021-10-29
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: EQUIFAX, INC. (TX)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2022-08-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada) (CA)

I am a victim of Identity theft, someone broke into my car and stole my wallet and luggage along with passport and ss card, I filed a police report and the investigation is ongoing, till this day. Ive never had an account with XXXX XXXX or allied collection services nor did I give anyone permission to open this account.
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (OH)

Formal Complain On Third Party Credit Reporting Blacklisting Services, ( Early Warning Systems ) and ( XXXX XXXX ) are Running A Sort of Underground Blacklisting Subsystem Database & Reporting What Is Sometimes False Information To Some Banks That Try And Use These Services Outside The Scope of XXXX scoring or the three empirically derived credit reporting agencies. For Example, If A Person Received A Check in the mail, cashier or legitimate compensation of any sort, they deposit the check into their bank, it may fail to clear for any unknown reason, after three days or so, even if no money was drawn, accessed or spent from the bounced check, some banks are reporting that a check bounced to these blacklisting subsystem databases, therefore completely blocking or blacklisting an innocent person 's ability to open any bank accounts at any bank that looks at these, aside from regular normal credit agency scores, In Addition, when Phoning in or Contacting These Blacklisting Services and trying to dispute or clear these types of blacklisting from an individuals account, They are Beligerent and Won't Remove, Clear or Provide a way to clear those databases, They Refuse to Clear Erroneous or Frivolous Complaints, it should be deemed as illegal blacklisting! Those Subsystem Databases Should Be Forced To Halt Their Collecting of Personal Data, Social Security Numbers, and Information On People as well as Using It As A Blacklisting Services
Consumer complaint received 2022-08-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on these accounts because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below are the list of the disputed accounts. 
XXXX XXXX XXXX Balance Owed : {$610.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$19000.00}
Consumer complaint received 2022-01-15
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: Experian Information Solutions Inc. (FL)

I checked my credit and noticed a numerous amount of credit inquiries that I did not authorize. I have credit already with the consumers and noticed some of them did multiple inquiries back to back monthly without my consent. I have not recieved no extra cards or services. There was fraudelent charges but my cards were replaced thats all. I never authorized those inquiries from experian and XXXX. 
Experian ( XXXX  inquiries ) XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX ( XXXX inquires ) XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX I called the credit bureaus to dispute these inquiries but they told me to contact the CFPB first. I would like these removed from my credit as I gave no authorization nor consent to the those inquiries
Consumer complaint received 2021-09-02
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: Experian Information Solutions Inc. (NC)

I have a balance of XXXX with XXXX XXXX but its reflecting on my report a balance that is incorrect I have proof it is incorrect and have asked the bureaus to remove these collections from my credit report immediately there was a mix up between me and my son name and the small details of sr and jr been confused in certain circumstances I ask the bureau to please correct and remove this negative account
Consumer complaint received 2022-01-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.
Consumer complaint received 2021-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (UT)

I've been working to unfreeze my credit report since XX/XX/XXXX. I've talked to customer service multiple times, I've faxed in my information 5 times, mailed in my information 4 times, and Equifax refuses to help me. Every time they say my credit report does not exist, and that I need to send in my information, which I do, then I get the same response. 

On XX/XX/XXXX I filed a complaint with CFPB, XXXX, and Equifax told me to send in my ID, pay stubs, social security card, bank statements, and anything else to verify my identity. I sent the following to Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX : - Copy of Driver 's License - Copy of Social Security Card - Two pay stubs - Bank Statement - Utility bill at my current address - XXXX Statement for my current address Upon sending those statements as well as copies of my credit scores with XXXX and XXXX, I got the same response from Equifax- my credit file does not exist. I have an open line of credit via a credit card at my bank. I verified with them that they are sending the credit info to Equifax, so they should have my file. 

I have been working with Equifax since XX/XX/XXXX and they have blatantly refused to help me. Even after I filed a complaint here at CFPB.
Consumer complaint received 2022-01-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC (TX)

This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Consumer complaint received 2022-01-15
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/2022 I had got a email from synchrony Bank that they close my account with brandsmart and my rooms to go and sams card I called them and ask them I notice since the covid came around that you guys just go close a person account.and hurt my credit. With my brandsmart card they gave me a limited of 3 500 amout I only use some and am still paying bank on what I purchase. They go take the rest of the money and put my limited to what I owe causing to hurt my credit.and then when I got a default for a loan they going go back and close my account. And closing 2other credit cards that I had causing my ratio to drop I pay my payments on times every month and synchrony just mess my credit up complete. How you going wait to I had a issues and then take my,, Credit limited to what I owe its not fair at all causing my credit to drop and ratio.
Consumer complaint received 2022-01-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc. (FL)

I have reason to believe and do so believe that XXXX have violated my consuner right by providing consumer with False, decpetive forms or misleading representation pursuant to 15 USC 1692eXXXX XXXX have filaed to provide under penalty of perjury documentary evidence requested by consumer to validate and verify alleged debt.
Consumer complaint received 2022-01-15
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX XXXX XXXX XXXX XXXX by Spouse XXXX XXXX XXXX and myself XXXX XXXX XXXX XXXX which XXXX XXXX CEO and I am listed as president. Both Individuals had all rights to the bank account and were signers on the account at the date of this incident. 


XXXX XXXX XXXX XXXX XXXX a check # XXXX electronically from XXXX XXXX XXXX XXXX # XXXX into her Bank of America Acct # XXXX