davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-16
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. (KY)

I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc. (TX)

On XX/XX/XXXX XXXX XXXX XXXX XXXX ( As shown on my credit report ) hired Southwest Recovery Services ( SOUTHWEST RECOVERY SERVI as shown on my credit report ) to report to all three of the credit agencies in regards to a claim. 

In XX/XX/XXXX a then girlfriend of mine hired the roofing company to perform a service. The service went south and SHE decided not to pay the remaining amount owed. In response the roofing company filed a suit in court ( In or around XX/XX/XXXX. When the suit was filed the above mentioned recovery service called her to take care of the balance. She did not want to pay nor had the money. They then threatened that the roofing company was going to take her home. In addition, they mentioned that I was associated with the account. She said I was not and then called me to let me know what they said. I then called the county courthouse to find out if my name was associated with the case. They said NO, my name was not listed or on any of the documentation filed. I then asked my at this time Ex girlfriend for the contract signed in XX/XX/XXXX for the service. It did not have my name or contact information listed. It is my opinion, in XX/XX/XXXX the company used my license plate information to find out the information. 

I have informed Southwest Recovery Services that this filing was false and fraudulent. They have called me atleast twice a day since receiving my file. They are extremely unhelpful, disrespectful and aggressive. I am concerned about my inaccurate credit score and the nightmare I have experienced.

I received CFPB information from XXXX when I disputed this claim. They are currently working on disputing the information based on what I provided to you all ( CFPB ). I honestly don't understand how Southwest Recovery or  the roofing company received my information and was able to put this false report on my credit without proving ANYTHING!!! 

To support my claim and to validate this concern, I have copies of the agreement for their services ( Shows that I am not associated ) and the court filings that show I am not associated. 

I implore this company to take actions against Southwest Recovery Services in XXXX Texas. I can't imagine how many people they have falsely done this to. Furthermore, XXXX   suggested that I report this to the BBB. I am also filing with them also. 

Thank you for your consideration and hope to hear back soon.
Consumer complaint received 2018-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

I have been in contact with Portfolio Recovery Associates over an alleged debt they now own, which they have supposedly purchased from XXXX XXXX. PRA claims that I owe {$310.00} based on a credit card that was issued by XXXX XXXX with the account number " XXXX. '' I have asked PRA to provide Validation of the alleged debt. I have asked in writing, via email, for such Validation. PRA HAS TOTALLY REFUSED to validate this debt. PRA claims they have purchased this debt from XXXX XXXX, but refuses to provide any paperwork proving that I both incurred and owed the debt to XXXX XXXX originally. 

Please make PRA provide the original documents proving that I contracted with XXXX XXXX for a credit card with account number " XXXX. ''
Consumer complaint received 2017-04-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC (TN)

I received a collection notice from ERC dated   XXXX   XXXX   XXXX     for a  XXXX  account that is not mine. The collection notice is from  XXXX  account number  XXXX . I mailed ERC a debt validation on  XXXX   XXXX  requesting for them to tell me what I owe the bill for, how they calculated what I owe, to send me copies of any documentation that stated I agreed to pay what they say I owe, to give me copies containing my signature, their   XXXX   license number, and to cease all contact with me until they sent me the above documentation. I disputed the validity of this debt and still have not received any information from ERC regarding this account. ERC also contacted me on    XXXX   XXXX    after they received my letter stating for them to not contact me. According to FCRA  1692g ( b ) If the consumer notified the debt collector in writing within the 30 day period described in subsection ( a ) that the debt or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. ERC has not done this. ERC has violated the FCRA by not validating the debt as well as attempting to contact me by phone after receipt of my letter stating for them to cease contact unless provided with the information stated above.
Consumer complaint received 2017-04-24
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. (OH)

My ex fianc had a   XXXX   XXXX   credit card he opened in  XXXX  before I met him.  XXXX   XXXX  has an  XXXX  and   XXXX   XXXX   store account, which are linked. I was added as an authorized buyer around   XXXX  . We broke up in  XXXX  and around  XXXX  I noticed both accounts are on my credit report. As an authorized buyer I have no obligation to this debt. I called   XXXX   XXXX   and they stated I was added as a joint user. I never gave any written or verbal consent, nor did I give them my SSN to be added as a joint user. I have been disputing with  XXXX   XXXX  and all  XXXX  credit bureaus to have this removed since   XXXX  .   XXXX   XXXX   refuses to remove it, even with a police report submitted to them.   XXXX   XXXX   also refuses to provide me with any information showing I agreed to be a joint account holder. When I file disputes through the credit reporting agencies, I 'm advised that   XXXX   XXXX   does not investigate this issue, instead they send a generic response back indicating the debt is mine and they fail to show supporting documentation. Both accounts need to be removed ASAP!
Consumer complaint received 2017-04-24
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: EQUIFAX, INC. (TX)

I contacted Equifax via phone on  XXXX / XXXX /  XXXX   to inquire about items that were removed and reappeared on my credit report. The first representative,  XXXX , was rude and wouldnt provide information regarding this issue. I asked to speak to a supervisor to report her and she transferrred me to a department that did n't handle the issue I called about. The representative told me that they have no record of any account being removed. I advised the representative of the accounts in question and he advised me of an account I never heard of. I advised the representative again of the accounts and dates removed but he was unable to assist. The representative aslso told me the letter I sent them regarding unauthorized inquiries were in fact mine. I also advised the representative that those inquiries were not accurate. I waited on hold for  XXXX  minutes to speak to someone concerning this issue but the only thing i recieved was a rude representative and a representative who couldnt care less about these inaccurate marks that is affecting my credit. I have attached my credit report along with the report showing all accounts that should be removed from  XXXX
Consumer complaint received 2018-02-16
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION (CA)

On XX/XX/XXXX we closed escrow on a new loan with a lower interest rate. 

The new mortgage company is XXXX XXXX. 

Our previous lender, M & T Bank, was paid off by XXXX XXXX with the closing of escrow. 
However, on XX/XX/XXXX, M & T debited another monthly payment of {$1300.00}. 
This was a normal payment amount on the original loan. 

I called M & T Bank on the same day, and they admitted it was an error and I would be refunded the full amount in 10 days, XX/XX/XXXX. ( ph XXXX I called M & T Bank today, to confirm the refund which I was expecting but never received. They said they are preparing our refund now, and we should receive a check by XX/XX/XXXX. 
This is creating a financial hardship. I gave M & T the permission to debit my checking account ( XXXX XXXX XXXX XXXX - XXXX, CA XXXX ) and they compromised our family financially through their incompetence. 

I am attaching documents reflecting the closing of the first loan ( settlement ) and payoff to M & T Bank effective XX/XX/XXXX. And debit from my checking on XX/XX/XXXX.
Consumer complaint received 2018-04-02
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: MS SERVICES LLC (WY)

Salutations! 

I was wondering in the State of Wyoming, can collection agency re insert the same debt twice? I noticed this on XXXX XXXX, it was listed under two different names, MS LLC, and XXXX. Then in a about a month both disappeared from my credit score. Shortly after these events which was around XX/XX/XXXX. The amount was {$420.00}. 

I made arrangements with the company MS Services LLC, XXXX XXXX XXXX XXXX # XXXX, XXXX, WY XXXX to take {$110.00} per month electronically out of my bank account starting XX/XX/XXXX, and the have been doing so since then and my balance is down to {$110.00} as of today. 

On XX/XX/XXXX I got a notification from XXXX XXXX that the same collection agency MS LLC put a re insertion report for collections in the amount of {$110.00}. 

Is this legal? Can you investigate this? Do I need report them to the Consumer Financial Protection Bureau? 

Thank you for your time! 

Sincerely Yours XXXX XXXX
Consumer complaint received 2018-04-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Sterling Infosystems Inc. (FL)

The XXXX XXXX XXXX This company ran a criminal background check on for employer XXXX XXXX : XXXX ( FL ) XXXX ( BILLCODE : XXXX ). However, there are some incorrect information was on background. The report also contain information on XXXX XXXX, which is not me and is not connect with me in anyway. The review following information below that is incorrect : Report requested on : XX/XX/2018 Report completed on : XX/XX/2018 Case Comments : Limitations on the DOJ 50 State XXXX XXXX search. 1.  NEVADA : This search does not provide results from the State of Nevada, as by both statute and regulation, information from the Nevada XXXX XXXX Registry web site can not be used for employment purposes and can not be distributed commercially. 
2. OREGON : This search has special conditions from the state of Oregon. Information is only provided for XXXX XXXX who have been designated as XXXX, as provided in ORS 181.585, who have been determined to present the highest risk of reoffending and to require the widest range of notification or are found to be a XXXX XXXX XXXX offender under ORS 144.635. 
*** CONFIDENTIAL BACKGROUND SCREENING REPORT *** ( INFORMATION CONTAINED IN THIS REPORT IS PUBLISHED IN ACCORDANCE WITH FEDERAL AND FL STATE LAWS ) REPORT SUMMARY COMPONENT IDENTIFIERS STATUS RESULT SSN Trace XXXX Complete Complete County Criminal Record XXXX, XXXX XXXX, FL-XXXX Complete Level1 State Criminal Repository XXXX, XXXX XXXX, FL-Florida Department of Law Enforcement Complete Level1 State Criminal Repository XXXX, XXXX XXXX, FL-Florida Department of Law Enforcement Complete Level1 Office of Foreign Assets Control XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Clear Office of Foreign Assets Control XXXX, XXXX XXXX Complete Clear DOJ XXXX XXXX Search XXXX, XXXX XXXX   Complete Level1 DOJ XXXX XXXX Search XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Level1 Enhanced Nationwide Criminal Search XXXX, XXXX XXXX, XXXX, XXXX XXXX Complete Complete Enhanced Nationwide Criminal Search XXXX, XXXX XXXX Complete Cl
Consumer complaint received 2018-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

Portfolio Recovery Associates is still sending me letters and calling my phone. I just got a new letter from PRA on XX/XX/XXXX on the same debt. On XX/XX/XXXX, I received a call from PRA regarding this debt and informed them the debt in question is over 7 years old ( the debt originally occurred in XX/XX/XXXX-XX/XX/XXXX. They continued to try to get me to pay on a debt outside of the Statue of Limits ( SoL ). I had also informed them in writing back in XX/XX/XXXX but lost proof during a move. Once they contacted me again, I sent a new FDCPA Cease & Desist letter on XX/XX/XXXX.  I still have a copy of letter I sent them and they refuse to follow the law. They also refuse to remove this debt from my credit reports and keep reporting the wrong date illegally.
Consumer complaint received 2018-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NY)

I previously filed a complaint XXXX. The company replied on XX/XX/2018. They attached a letter verifying the debt. They attached statements. The statements show my address yet the address is missing my apartment number, I live in a building therefore this seems to be a fraud account opened without my authorization.
Consumer complaint received 2018-02-16
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: Experian Information Solutions Inc. (TX)

I HAVE A XXXX XXXX ACC THAT GOT TRANSFERRED TO XXXX XXXX ON MY EXPERIAN REPORT AND IT SHOWING A DOUBLE REPORTING ON MY CREDIT REPORT WHICH IS HURTING MY SCORE I CALL EXPERIAN TO DISPUTE IT XX/XX/XXXX THEY SAID THEY WOULD DELETE IT THEY SEND ME A LETTER SAYING IT WILL BE DELETE THEN THEY SAID THEY CAN NOT ITS AND ERROR. 
They said that XXXX would have to delete it to call XXXX i call XXXX talk to XXXX and he said he would investigate it they said they could not do noting because they sold the acc to XXXX XXXX so i call experian back talk to XXXX XX/XX/XXXX dispute specialist she said i would have to get something from XXXX for them to take it off or it have to stay on my report to XX/XX/XXXX she said XXXX have the authority to do it. So i call XXXX talk to XXXX he said its experian have to delete it he said that XXXX last report on the acc was XX/XX/XXXX so i call experian back and they said its XXXX that have to do something about it and they reinvestigate it again
Consumer complaint received 2018-02-15
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (CO)

I paid off the balance of this account and closed the account, and they said i owe a {$27.00} late charge. they have been charging me a late fee on a late fee that now totals over {$250.00} which i refuse to pay. this is ridiculous that this fraudulent charge should affect my credit score. I paid them what i owed them.
Consumer complaint received 2018-04-02
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems (TX)

On XX/XX/18 I checked my credit monitoring app and seen I had a new collection on my reports from a XXXX XXXX XXXX XXXX. I have NO knowledge of who this company is and the claimed debt of {$400.00} that is stated to be owed on my report. I have disputed this debt with XXXX. I have never been contacted by this company at all. I feel victimized and that it is a violation to maliciously place invalid, unverified, and unannounced accounts on consumer credit reports.
Consumer complaint received 2018-04-02
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: COMMUNITY CHOICE FINANCIAL, INC. (TN)

I have had a problem with this loan company from day one. The tellers did not fully understand the loans themselves and did not properly explain the loan. I brought this to the attention of the store manager and district manager and I was given a {$200.00} rebate towards my account that was suppose to erase any late fees and finance charges. I was told on XX/XX/XXXX that the loan would be on track with payments of {$160.00} every two weeks. I continued to make my next payment on XX/XX/XXXX in store of {$160.00}. On Wed XX/XX/XXXX they left a voicemail on my work phone and I called the store back and the teller couldn't tell me why my account was in collection and I told her to not call me at work and she stated she would note the account. I called back to speak with the manager XXXX on XX/XX/XXXX and she states that a payment was missed on XX/XX/XXXX, a payment in which the corporate office told me was not due bc I switched loans ( from monthly to biweekly ). On XX/XX/XXXX they drafted my account for the second time at a higher amount {$170.00}. On XX/XX/XXXX XXXX called me on my work phone and I stated to her that I asked that I not be called at work. 

Company : Easy Money XXXX XXXX XXXX
Consumer complaint received 2018-02-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc. (VA)

I contacted this company after I noticed that there was a collection from them on behalf of " XXXX XXXX XXXX ''. I advised them that I had no business with that company and have never stepped foot there. Furthermore I advised them to forward any documents, contracts or agreements to prove the debt. A substantial amount of time has passed since then and the only update has been a note on my credit report. I have not received any correspondence regarding this debt as far as ownership and confirmed my address and contact information with them. This is a predatory practice that has had a financial on me and needs to be corrected.
Consumer complaint received 2018-02-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Accelerated Financial Solutions, LLC (NC)

This company is attempting to collect funds from me over a debt that is not mine. I have never signed a contract with this company and have never heard of them. They are reporting to the credit bureaus a collection in the amount of {$3600.00} that was opened XX/XX/2017. This is NOT my debt and this collection is causing a huge impact on my credit score/file.
Consumer complaint received 2018-02-15
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY (VA)

I have attempted numerous times to open an online account with TD Bank via their specific link to a special offer allowing me to earn {$300.00} when I set up direct deposit after opening a TD Premier Checking account. I continually get a message stating " your identity could not be verified in the public record ''. It is not asking me detailed information. It is only asking my name, SSN, DOB, DL info, address, and source of my income ( I am a 27 year veteran and former XXXX XXXX ). They state they have no other means to verify my identity and since this account must be opened online in order to take advantage of this promotion, there is nothing they can do because " the computers won't allow it ''. Now I am on a " junk '' email list from TD Bank which emails me reminders that I did not complete my online application. My last attempt to open an account and speak to CSR was on XX/XX/2018 from XXXX-XXXX EST. 
The company responded that I could still get the {$300.00} by opening up an account at a branch. The closest branch is nearly three hours one way ( XXXX, VA ) and I am a XXXX XXXX XXXX veteran who was born in the US, and been in the US military 27 years and worked for the Federal Government also. How can my identity not be verified?? It does not make sense and to tell me to go to a branch 3 hours away is not resolving the issue. Surely there is some method of verifying my identity - I have a valid passport, SSN, DL, and am willing to scan or mail any or all of these to have my identity verified. Please assist me in getting a reasonable resolution to simply open an online checking account - I have online accounts at XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, and others and never have been to any branch or office to open accounts at those companies.