davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL (AZ)

XX/XX/XXXX walmart synchrony bank XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Walmart Mastercard/Synchrony bank sold account to XXXX XXXX, XXXX XXXX XXXX. Now I do not know where this account actually exists because it has been passed on to so many different collection agencies. 
I told original creditor my situation, then I told XXXX XXXX the same situation and no XXXX XXXX XXXX the situation on three separate correspondences. 

I am collection proof. I am XXXX. My husband passed away in XX/XX/XXXX taking 75 % of our income with him. I have no funds to pay the amount they say I owe and I do not have funds to secure legal help. I have social security income that barely meets necessities. This is not the situation I intended to be in at XXXX years old.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

The company portfolio recovery has start a campaign of phone call on my cell and home number using a rolling number tactic meant never the same number calling my cell phone has over 20 numbers all listed to portfolio recovery I'm out of work and told them that and when I get job I will contact them they persist on calling 5 to 7 times a day please help
Consumer complaint received 2020-02-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I had a leased XXXX XXXX through XXXX XXXX XXXX, acccount # XXXX, Starting XX/XX/XXXX to XX/XX/XXXX with all payments on time.I returned the vehicle before XX/XX/XXXX at the end of lease, and was told that a bill would be sent to me in 45 days or so. I never received a bill until I found out around XX/XX/XXXX that I had been reported delinquent, and my FICO score had dropped by over a 100 points! I started communicating with XXXX XXXX on the phone and was told that a final bill had not been sent, however a bill of {$900.00} was showing over 30 days due. I have no way to dispute this charge, It was supposed to include wear and tear and lease end fee. I am astounded that XXXX XXXX  makes such mistakes, and holds itself holier than though. 
As a customer I am at a loss of words as to how the Compliance and Audit departments at XXXX XXXX XXXX   accept this kind of business. 
As a consumer, I have a right to receive a bill, and be given sufficient time to pay this bill. Not having done that, they have used the fair credit reporting tool as a weapon against me, and ask me to pay a price for their blind misdeeds. I have asked for an immediate correction of their misreporting, and I expect a financial adjustment be made to correct the harm done to me.
Consumer complaint received 2020-07-28
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)

On XX/XX/2020 I sent via certified mail, deliver receipt to advise that two accounts with this bank listed on my credit report were fraudulent. This company failed to remove although cfpb complaint, police report with account listed, notarized affidavit were received. This company is acting in excess of the law. I sent a follow up letter on XX/XX/2020 demanding they comply with the law.
Consumer complaint received 2019-05-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE (CA)

I applied and was approved for a Barclays Aviator Business credit card on XX/XX/2019. The account was approved and I received and activated the card. The card was locked due to business verification purposes upon receiving the card, and I have not been able to use the card. I called Barclays 's Fraud Department, who requested business verification documents for the card. I would have no issue with this if this business verification was performed before the account was approved. However, the account has been approved, the annual fee has been charged, and the promotional sign up bonus time period ( spending a certain amount within the first 3 months of account opening ) has begun, all while I am unable to use my card. Over a week ago, I faxed in an IRS form for my business to verify my business. However, it is now XX/XX/2019 and the Fraud Department has stated that the document is still being reviewed and they have no idea when the review process will be completed. 

My issue is that this business verification process should have been completed prior to approving my application for a credit card. Instead, it is being requested after Barclays approved the account and are charging the annual fee.
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (DE)

This account is a credit card that belongs to my mother in law. Sometimes i handle her affairs on my own credit card but she offered to add me as an authorized so she wouldn't have to reimburse me. I asked her if the balance was below 30 % ans she said yes as she just paid it down. Upon her adding me a return check was issued which took the balance over 30 %. Shes elderly and forgot to change the bank. once she noticed that she immediately paid back what was returned for the payment that didn't go through. Unfortunately the account is now showing on my report as high usage and my mortgage broker is having a fit because i settle on my home next week. I sent over a request via all three credit bureaus but no one is responding. Please do not ignore my request as this urgent to fix the balance as a courtesy. Shes elderly and didn't mean to do this as this was her first time making this mistake.
Consumer complaint received 2019-05-23
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: Experian Information Solutions Inc. (CA)

It is my understanding there are heavy storms and even possible Tornadoes in the Texas area so I understand there might be a delay in getting a response to my credit disputes ... but I have been disputing the information with Experian for the past 6 months. I am a little flustered that I have submitted in documentation to Experian such as a police report and a fraud affidavit and they continue to report unknown account entries in my file ... .. some accounts say they have been written off but fail to show the amount they have supposedly been written off for. I have several names and social security numbers in my file and I have provided them with my DL, social security card, passport and birth certificate and the fraudulent/unknown information remains. I don't understand the point in disputing information if no one is going to assist you. I will be filing a law suit if the following accounts are not removed by XX/XX/XXXX. I have given them apple enough time to correct the errors. XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX  XXXX Account Number XXXX XXXX XXXX Account Number XXXX XXXX XXXX Account Number XXXX Experian Report Number XXXX
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Credit Karma (CA)

I got a phone call from XXXX from this number ( XXXX ) -XXXX-XXXX on XX/XX/2019 he  would not tell me his business and kept on asking me to verify my social an birthday and he had already knew my information without me even sayin so he asled if it was correct and i said his information was incorrect not to call me ill report him.Than i wake up to my credit karma being XXXX in collections. Im applying for home today i had XXXX credit yesterday and now i have bad credit i want them investigated for fraud. i havent been able to even start my own credit and now i cant even get accepted into a home for my children because of this scam.
Consumer complaint received 2019-05-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC. (VA)

I received a garnishment summons around the XX/XX/XXXX from ASSET ACCEPTANCE LLC   COURT FILE NUMBER XXXX XXXX Virginia Court. for {$860.00}. I called this company before my first payroll check was to be garnished on XX/XX/19. I was told I didn't owe that amount instead I was told I owed {$490.00} which I paid the full amount that day with debit card XX/XX/2019 Withdrawal Debit Card MIDLANDCREDITMANAGEMNT - XXXX CA DateXX/XX/19 XXXX XXXX XXXX XXXX {$490.00}. I asked how long it would take for them to send a release to the court so my check wouldn't be garnished and was told they didn't know. My usual take home pay isXXXX. On XX/XX/19 my payroll check was for the amount of {$930.00}, {$350.00} garnished. My next payroll check XX/XX/19 {$930.00}. So far {$700.00} mind you I paid this debt off on XX/XX/19. As of today XX/XX/19 my payroll department has not received a release from the court to stop garnishing my checks. My next payday is XX/XX/19 and if nothing is done they will garnish that check to. 
The wonderful people at MIDLANDCREDITMANAGEMNT told me I would be reimbursed for the amount taken out of my check after debt was paid. I don't belive they will reimburse me unless some type of legal action is taken against them.
Consumer complaint received 2019-05-23
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: EQUIFAX, INC. (RI)

checked my credit report and seen some inquiries i did not authorize and would like them removed. 
XXXX 1 ) XXXXXXXX XXXX 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX 6 ) XXXX XXXX XX/XX/XXXX 7 ) XXXX XXXX XX/XX/XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX   XXXX, XXXX 10 ) XXXX XXXX  XXXX XXXX XX/XX/XXXX equifax 1 ) XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 4 ) XXXX XX/XX/XXXX 5 ) XXXX XXXX XXXX XX/XX/XXXX XXXX
Consumer complaint received 2019-05-23
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC (CA)

SOURCE RECEIVABLES MNG XXXX XXXX XX/XX/2018 {$3000.00} {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX-XXXX Try to contact with company with mail / disputes to verification letter they never respond or sent me any info about the debt and they are reporting to credit brues as collection but i have no idea baout that i need them to sent me verification of debt not verified or you owned that i want actual paperworks to verify that info or remove from my credit report.
Consumer complaint received 2019-05-23
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. (UT)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX , XXXX   XXXX, Chapter XXXX Bankruptcy XXXX XXXX
Consumer complaint received 2019-05-23
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. (GA)

First, I am a victim of identity theft. On XX/XX/XXXXI sent a notarized personal statement to XXXX XXXX/Executive Office listing all of the fraudulent accounts, inquiry, addresses and employer.On the same date I also sent 3FTC identity theft reports, a police report and a color photo of my driver 's license ( for proof of my identity ). On XX/XX/XXXXI received an Experian credit file. This credit file still shows 2fraudulent addresses ( # 1- XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Tx XXXX / # 2- XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, Tx XXXX XXXX ), 6 fraudulent accounts ( # 1 XXXX XXXX XXXX XXXX XXXX / # 2 XXXX XXXX XXXX XXXX XXXX / # 3 XXXX XXXX XXXX # XXXX / # 4 XXXX XXXX/XXXX XXXX # XXXX / # 5 XXXX XXXX XXXX # XXXX / # 6 XXXX XXXX XXXX XXXX XXXX ), 1 fraudulentinquiry ( XXXX XXXX - XX/XX/XXXX ) and 1 fraudulent employer ( XXXX ). Section 605B of the Fair Credit Reporting Act, requires you to block the fraudulent information on my credit report resulting from identity theft within four business days ( today is XX/XX/XXXX ) which means Experian is in violation of the Fair Credit Reporting Act.
Consumer complaint received 2019-05-23
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)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account ... I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX,
Consumer complaint received 2019-05-23
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: ALLY FINANCIAL INC. (FL)

I noticed that i have a credit inquiry and i have tried to resolve the issue multiple times directly and have had no reply. I am looking for help from you guys to remove this from my credit.
Consumer complaint received 2019-05-23
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (OK)

XX/XX/XXXX XXXX XXXX XXXX takes over my mortgage from XXXX on XX/XX/XXXX after 5 years with XXXX and zero issues. 

XX/XX/XXXX my homeowners insurance was to be paid by the Mortgage company ( XXXX XXXX XXXX  ) the money was in my escrow account {$1500.00} i was notified that my insurance was not paid because of an issue with my address. I checked my escrow account and it showed the {$1500.00} was in fact deducted from the account. 

I went to my insurance agent and they in fact have never received the payment, so i paid the insurance out of my pocket and had them fax the insurance documents to Rushmore.

again i am notified that i have no insurance and Rushmore is getting an outside insurance to add to my house. again i call and have my agent fax the documents to Rushmore.

I call and talk to Rushmore and they say that it isn't their fault that the insurance was not paid, so i ask where the {$1500.00} is from my escrow account with nothing but run around from them. i tell them have the statement where the money was withdrawn from escrow and it was never paid. it still does nothing to help my case.

I pay a lawyer to advise me, and he tells me to send the documents return receipt requested. and i in fact do send them the insurance documents on XX/XX/XXXX and i then get the return receipt back that they signed XX/XX/XXXX, and still they add insurance at {$41.00} a month. and Rushmore still says that it was added because i let the insurance expire? 

They are charging me {$310.00} a month to my escrow account and the only things they pay are {$41.00} for their added insurance, {$50.00} for taxes and {$92.00} for PMI. which i asked them to drop because i have kept up my payments for 6 years, and they replied no because i had let my insurance expire. which was actually them.
Consumer complaint received 2020-01-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Marine One Acceptance Corporation (NV)

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 document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting
Consumer complaint received 2019-05-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ERC (OH)

Well over 2 yrs. ago a suspicious account appeared on my credit report from a collection agency, known as Enhanced Recovery. In the space listed as original creditor, it specified that it was a XXXX account. Well aware that I have never had an account through them because I have always had XXXX  XXXX and before them was XXXX XXXX, I disputed this information and it was determined that it was not mine and was erased from my credit report back in XXXX. Also, I had never received any calls, mail, or notifications from neither XXXX or this agency regarding this supposed debt, which I found to be extremely unusual. Now, as of about 5 months ago I received my monthly credit updates from my XXXX & had noticed my score had decreased & there was a new account placed on my credit file. When I logged into my account, to my surprise, I saw that it was this same collection agency referred to as Enhanced Recovery, however I noticed something was different this time. This agency had decided to fraudulently violate the Fair Credit Reporting Act by illegally re-aging this supposed account, thus stating that it was opened in XXXX, so it could place this debt back on my credit report to lengthen it's collection efforts & intentionally hurt my credit, along with my score. Also, still to this very day, I have yet to receive any communication about this debt from anyone!!!! I find it extremely unnerving that this agency has been allowed to get away with commiting so many frivolous acts. We as individuals have rights, & if the necessary steps are not taken by this company to correct their unfair practices & start obeying the law, then maybe major lawsuit against them is the next best thing to make sure that they are held liable for their actions.
Consumer complaint received 2019-05-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc (CA)

The signature loan I owed was charged off and sold to The best Service Company. After receiving letter of debt from this debt company, I called them to make a settlement. They stated they were representing the original lender to collect the funds and the original lender does not except settlements. I then contacted the original lender to verify if they were being represented by The Best Service Company, in which they denied that information, stating the debt I owed was charged off, and they have nothing to do with the debt at this point. They also mentioned the best Service Company has been known to except settlement offers.I relayed that information to The Best Service Company, but they continued to lie about being the 3rd party representative for the original lender, stating the original lender being represented does not except settlement offers.
Consumer complaint received 2020-01-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (PA)

Resurgent Capital Services phone # XXXX is reporting a collections account LVNV Funding XXXX  on my credit report that was closed and paid off through XXXX XXXX XXXX Phone # XXXX. They account is closed and settled The statement settlement amount accepted by the creditor XXXX was {$340.00}. ( 3 ) payments of {$110.00}. The first payment was made to XXXX and cleared on XX/XX/XXXX check # XXXX and the 2nd payment was for {$230.00} through phone transfer made to LVNV Funding XXXX now listed under Resurgent Capital Services on XX/XX/XXXX and cleared on XX/XX/XXXX. There was a problem with the settlement due to the account being sold to LVNV Funding XXXX in the middle of the settlement. XXXX XXXX XXXX payment processing team reached out to Resurgent for LVNV Funding XXXX debt to honor the payment and they did which is why the payment was made later because of the transition from XXXX. I have contacted Resurgent several times and told them that they account was settle. I faxed them the settlement letter provided by XXXX XXXX XXXX that shows the settlement payments for a total of {$340.00}. Resurgent Capital services keeps reporting to the credit bureaus that the collection account is still open. They asked for proof of cleared payments and I faxed them the statement, but they are not closing the account. Resurgent Capital Services has been reported as a problematic unfair company abusing consumers. I have researched online and found a lot of negative information about them.