davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Receivables Management Partners, LLC (IN)

Contacted by this company XX/XX/19 around XXXX concerning a debt in collections for around {$400.00}. I explained to the rep that I was paying all of my debt off in the order of least to greatest, I asked for her to send me an itemized bill. She said she could give it to me over the phone, I explained that I didn't have a pen/paper and would like it sent to me. She refused and got belligerent with me saying " You've already been advised over the phone! ". I told her that if she was not able to give me a paper copy of my bill, I would be reporting them to the XXXX and FTC. She again, got belligerent with me yelling " Turn me in for what?! '' I then asked for a supervisor since she obviously was having issues granting my simple request. I explained this all to the supervisor ; as well as, how I was having issues with my mail getting to me. I explained that I've had credit cards and important pieces of mail never received to my address. I stated my address to her again. She was able to see that I had bills returned back to their office. Seems like something simple that the first rep could've looked into, but instead I was degraded and yelled at. I do not want this company contacting me via the phone any longer and would like to dispute all charges they say I owe since they could not provide me a bill the first time I asked. They blatantly disrespected me ; when all I did was ask for a copy of the debt for my records, so I could pay all my stuff from least to greatest. I will also be turning them over to the XXXX   because of their poor practices. Thank you and have a great day.
Consumer complaint received 2024-10-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (FL)

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (TX)

Received a letter and calls from Nationwide credit , inc collection agency stated I owe {$170.00} to XXXX XXXX XXXX. I've paid and close my account with XXXX XXXX XXXX XXXX. I do not owe them anything.
Consumer complaint received 2019-10-22
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: WAKEFIELD & ASSOCIATES, INC. (TN)

The account below is not my account. I have disputed this account numerous amounts of times yet still nothing so I called and was treated very rudely by the representative cutting me off every time I tried to talk and would not listen to a word I had to say. This is around the tenth account I have had to remove from my credit and am feeling like I just need a different SSN. 

Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2015 Account type Collection Department / Agency / Attorney Balance Loan Amount {$690.00} {$690.00} Payment Info Original loan amount {$690.00} Balance {$690.00} Updated on XX/XX/2015 Contact XXXX XXXX XXXX XXXX, TNXXXX ( XXXX ) XXXX
Consumer complaint received 2019-08-26
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. (GA)

I DISCOVERED NUMEROUS ACCOUNTS REPORTING ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. I ADVISED THE BUREAUS. I DID NOT OPEN ANY OF THESE ACCOUNTS LISTED.
Consumer complaint received 2019-08-26
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. (MO)

XXXX XXXX XXXX XXXX, a debt collection agency based in XXXX, MO, filed a collections account on my credit reports with Equifax and XXXX for a medical debt that I have no knowledge of, from a doctor 's office that I have not been to in many years. No party involved has ever sent me a bill or attempted to collect any debt from me, which means my best " evidence '' for my claim is the lack of having ever received any sort of bill/invoice. I have disputed this account at both credit reporting agencies. XXXX deleted it from my account in less than a month from my dispute. Equifax attests that XXXX XXXX has " verified '' that this account belongs to me and has since refused to delete the invalid account from my report. I am now on my third dispute with Equifax, again for an account that I have no knowledge of and no company has attempted to collect from me, including the mentioned collection agency. 

Equifax sends me emails about " working hard to fix my problem '' but in reality they are just sending a message to the creditor and letting them decide whether it is valid or not. Then, in order to append information to my appeal, they want me to fax in a copy of my social security card and the supporting documents. Not only is this both a slow and unreliable way to attach documentation to an online claim, and not only is this an incredibly insecure practice, it is also a flagrant attempt to obfuscate the appeals process.
Consumer complaint received 2022-12-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Receivable Management Services LLC (NJ)

After reviewing my credit profile XXXX, I identified a discrepancy with the account listed under The Receivable Managment and requested validation as this was an account I did not recognize. Its been over a month and I still have not recieved any correspondence from the creditor validation that the account belongs to me. I reviewed my credit report again XXXX and the account is still reflected on my account. I sent a second letter of debt validation and have yet to receive any debt validation. I do not believe this account belongs to me, nor do I believe that the creditor has the authorization to access this account or authorization to attempt to collect on this account. this account continues to negatively affect my credit profile. Please remove this account from all three credit bureaus.
Consumer complaint received 2019-04-29
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (LA)

Retrieval Masters Creditors Bureau , Inc. continues to send debt collection letters despite repeated letters form me which dispute the debt, request verification of the debt, and ask that the debt collector cease attempting to collect the debt until the debt has been verified. 

The debt is for XXXX, from an entity called " XXXX XXXX '' which seems to have billed us in error. We attempted to resolve the dispute with the original creditor but then began receiving letters from the aforementioned debt collector. 

We have written to the debt collector twice, first on XX/XX/XXXX, and then again on XX/XX/XXXX, stating that we dispute the debt, requesting verification of the debt, and asking that the creditor stop sending collection notices until the debt is verified with proof of an agreement to pay the original creditor, a copy of the account statement issued by the original creditor, a breakdown of the total amount due, and the date of and basis for each charge.

Retrieval Masters Creditors Bureau , Inc. has not responded to our letters, and has continued to send collection letters, the most recent dated XX/XX/XXXX.
Consumer complaint received 2022-05-02
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: Experian Information Solutions Inc. (FL)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2019-08-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: ARVEST BANK GROUP, INC. (TX)

I applied for Arvest credit card on XXXX the XXXX of 2019 and I was told that my application was pending and I was approved on the XXXX of XXXX 2019 ... and I check my XXXX   credit report.. and I noticed there are two inquires and one of them is valid which is XX/XX/XXXX and I Called Arvest bank and the customer service rep told me that I have to called XXXX and open a dispute and I try this but XXXX told me I have to dispute it with Arvest credit card ( securitybankcard ) to have this inquire removed ... and until this day the inquire is still remain on my credit report
Consumer complaint received 2019-08-26
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

WE ARE GOING TO START A INVESTIGATION ON OUR TOXIC MORTGAGE WE HAVE WITH SELECT PORTFOLIO SERVICING INC. 

UNDER OUR HOMEOWNER BILL OF RIGHTS YOU NEED TO INVESTIGATE THESE VIOLATIONS ON OUR MORTGAGE. 

WHEN YOU COMPLETE YOUR INVESTIGATION ON OUR REQUEST MAIL YOUR COMPLETED INVESTIGATION VIA UNITED STATES POSTAL SERVICE TO OUR HOME ADDRESS XXXX XXXX XXXX XXXX XXXX CA XXXX Stop foreclosure process on our home immediately. 
1. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( A ) 2. VIOLATION OF CALIFORNIA CIVIL CODE 2923.55 3. VIOLATION OF CALIFORNIA CIVIL CODE 2923.7 4.VIOLATION OF CALIFORNIA CIVIL CODE 2924.9 5. VIOLATION OF CALIFORNIA CIVIL CODE 2924.10.

6. VIOLATION OF CALIFORNIA CIVIL CODE 2923.17 7. VIOLATION OF CALIFORNIA CIVIL CODE 2924.18 8. VIOLATION OF CALIFORNIA CIVIL CODE 2923.6 ( C ) 9. BREACH OF IMPLIED COVENANT OF GOOD FAITH AND FAIR DEALING 10. VIOLATION OF THE UNFAIR COMPETITION ACT CALIFORNIA BUSINESS & PROFESSIONS CODE 17200, ET SEO 11. NEGLIGENCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX *XX/XX/2019 XXXX XXXX  * ACCOUNT XXXX
Consumer complaint received 2019-10-22
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EdFinancial Services (CA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that EDFINANCIAL has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-10-22
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SCA Collections, Inc. (SC)

I was alerted to a collection on my credit report that states it is from an unpaid medical bill for {$60.00} that SCA Collections is trying to recover. I contacted SCA Collections this morning, they told me that they have sent a letter and tried to call but I did not receive anything. They told me the debt was originally from XXXX XXXX XXXX in XX/XX/2018 and I never received any services from them. This is a falsely reported debt and I need it removed from my report. I told them this information and they told me there was nothing they could do.
Consumer complaint received 2019-04-29
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC. (CT)

My Suntrust account is now closed and I need copies of statements from the month of XX/XX/2018 until time of closure, I do not have access to my online account as again, it is closed. I require these statements in a PDF file format in order to attach to a separate complaint against XXXX XXXX. XXXX XXXX stopped payment on a close out check in XXXX of 2018, which was deposited to my Suntrust account. A subsequent replacement check was sent and intercepted by a third party, cashed in my name without my conest or knowledge. The funds were stolen, XXXX XXXX refuses to reissue check for funds owed to me. These statements are required to show the intercepted check was not deposited into my account and is in fact overdrawn due to stop payment mentioned prior.
Consumer complaint received 2019-10-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC (CA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
Consumer complaint received 2023-01-01
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. (FL)

( XXXX ) XXXX XXXX Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XX/XX/XXXX - XXXX  XXXX - XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days- please remove inquiry. MORTGAGE ////// -- - ( XXXX ) XX/XX/XXXX, Credit Certified - No reporting Agency information Listed on my report- please remove, not associated with any current account, Mortgage Inquiry Should only show one in 14 days - please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XX/XX/XXXX, XXXX - XXXX reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage Inquiry Should only show one in 14 days please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XX/XX/XXXX - XXXX XXXX XXXX reporting XXXX XXXX XXXX on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTGAGE ////// -- - ( XXXX ) XX/XX/XXXX - XXXX Mortgage - XX/XX/XXXX - XXXX Mortgage - No reporting XXXX XXXX Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XXXX XXXX- XXXX XXXX - XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XXXX XXXX, XXXX, Certified credit Mortgage XXXX reporting XXXX information Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTGAGE XXXX -- - ( XXXX ) XXXX XXXX, XXXX, XXXX Mortgage - XXXX reporting XXXX XXXX Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days- please remove inquiry. MORTAGE ////// -- - ( XXXX ) XXXX XXXX XXXX - XXXX  - XXXX XXXX, XXXX, Certified credit Mortgage No reporting Agency information Listed on my report- please remove, not associated with any current account. Mortgage XXXX XXXX only show XXXX in 14 days please remove inquiry. MORTGAGE XXXX -- - Thank you
Consumer complaint received 2019-08-26
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (PA)

In XX/XX/XXXX I asked XXXX XXXX to disconnect my service because I was evicted and homeless. I was legally restricted to stay off of the property or face trespassing charges. They turned it back on without notification to me. It was on for a period of time which I do not know how long. I did not use this service. XXXX XXXX is the landowner. If anyone used it it was him. He was the only one with access to the residence. The locks were changed on XX/XX/XXXX and I did not have access to enter the premises legally. I have disputed this three times with other companies. I did not open the account in XXXX. That is when they bought the debt. The last payment was in XX/XX/XXXX. Then I was homeless in XXXX and had no way to pay it. I need this removed from my credit as I do not owe XXXX XXXX XXXX. My debt was not with them. Honestly I believe it is a disgrace when companies buy debts from other companies and try to portray a scenerio with false information that is not true. I am now XXXX and receive under {$800.00} a month. It barely covers my mortgage and car. If there is more information needed please contact me at XXXX. I will forward it to you.
Consumer complaint received 2019-08-28
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. (PA)

I sent multiple letters out to the XXXX, XXXX, and equifax disputing account # XXXX this has a comment reading Account legally paid in full for less than the full balance which is inaccurate. I have attached a letter from the lender stating the the vehicle was paid in FULL not paid for less than the full amount.This letter was also sent to XXXX, XXXX, and equifax and they are still reporting inaccurately. This has not been fixed
Consumer complaint received 2021-06-09
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America is retaliating against me for placing the initial consumer complaint. As a result, they have frozen my account. When I attempted to use my account on Sunday, XX/XX/XXXX, the retail representative said that this card has been reported stolen. I immediately contacted Bank of America and spoke with XXXX, ID XXXX, he informed me that my accounts were frozen. He advised that a letter was mailed to me on XX/XX/XXXX, As of XX/XX/XXXX at XXXX, I have not received any notice. 

I attempted to access my account online and it advised that the User ID is no longer valid. I called Bank of America again, an a representative created a new user ID for me. With this new user ID, I accessed the account, and transferred the funds out of it. I also was able to download all of the account activity. 

Currently, there are balances in my Bank of America accounts but they froze my account, and prohibited me from transferring funds out of it, and is charging banking fees of {$29.00}. I went into the Branch located at XXXX XXXX XXXX, XXXX, MD XXXX and discussed this matter with the Branch Manager. She attempted to assist me but informed me that the account is in frozen status, and she will not be able to do anything on the account. She informed me to contact the Risk Department. 

I contacted the Risk Department at XXXX and provided them the answers to their security questions. After doing so, the Agent XXXX advised that she is having trouble authenticating the account and informed me to go into the Branch to gain access to the account. I informed her that I was at the Branch and the manger advised that I need to get in touch with the Risk Dept. 

While still on the phone with XXXX, I went into the Branch at XXXX XXXX XXXX, and handed the phone to the Branch Manager. The Branch manager, provided the representative her information, and the representative advised that she will not be able to speak with the Branch manager. 

I will like my funds returned to me immediately, Remove the fees that you have charged my account, and provide me interest on the funds that I did not have access to.
Consumer complaint received 2022-05-02
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

XXXXXXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. And all listed collection accounts listed above should be removed from my credit profile immediately. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my written consent or instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : That no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.