davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-10-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: A.R.M. Solutions, Inc. (FL)

XXXX XX/XX/XXXXXXXX sent my account ( XXXX ) to A.R.M. Solutions, Inc. I received a notice from this collections agency on XX/XX/2018. My bank, XXXX mailed check # XXXX in the amount of {$63.00} to XXXX XXXX XXXX XXXX on XX/XX/2018. 
I spoke with 3 separate XXXX XXXX  representatives. One confirmed that they received XXXX check # XXXX in the amount of {$63.00} on XX/XX/XXXX. Two separate occasions I was assured by XXXX XXXX   XXXX that the account was fine and there had been a credit of {$63.00}. 
During this process, I received ANOTHER collections notice from A.R.M Solutions , Inc. dated XX/XX/2018 that read : '' Despite OUR CLIENT 'S ( XXXX XXXX XXXX ) efforts regarding the above mentioned account, this matter remains unresolved. We are requesting you make full payment. '' The payment of {$63.00} has been made and credited to the XXXX XXXX XXXX, however, A.R.M. Solutions Inc. is STILL requesting payment after having been contacted by their client XXXX XXXX. Why would they still need a payment having full knowledge from their client that it is no longer required?
Consumer complaint received 2018-10-20
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: SUNTRUST BANKS, INC. (FL)

The inquirer name is Suntrust Bank DBA XXXX and XXXX of XXXX XXXX. the inquiries took place on XX/XX/XXXX and XX/XX/XXXX respectively.. I contacted both XXXX, Suntrust, and XXXX to removed the inquiry. Suntrust has not gotten back to me and XXXX has sent me this letter explaining why the inquiry happened but failed to show proof that I was the one who request for my report to be viewed. XXXX also has fail to provide me with any evidence of such inquiry request made by me. I'm therefore disputing the validity of this inquiry.
Consumer complaint received 2018-10-20
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Selene Finance LP (OH)

QWR Qualified Written Request Notice of Error LOAN XXXX OWNER XXXX XXXX LAST S.S. XXXX PROPERTY ADDRESS : XXXX XXXX XXXX XXXX XXXX, OHIO XXXX IN XX/XX/2012 WHILE THIS PROEPRTY WAS UNDER A FEDERAL STAY THE LOAN SERVICING COMPANY XXXX VIOLATAED MY BANKRUPTCY RIGHTS BY ADDING ON PAYMENTS TO THIS LOAN FOR FORCED PLACED FLOOD INSURANCE AND HAZARD INSURANCE PAYING OFF A TAX PAYMENT CONTRACT THAT IS PART OF THE DEBTORS CONFIRMED BANKRUPTCY PLAN AND ASKING FOR THAT MONEY IN A ESCALATED PAYMENT NOT IN THE PLAN. THE DEBTOR HAS BEEN FORCED TO MAY ATTORNEY FEES AND CHARGES ON THIS LOAN THAT HE SHOULD OF NEVER BEEN CHARGED PER THE BANKRUPTCY PLAN AND FILING. NOW I AM ASKING SELENE TO INVESTIGATE THE HISTORY OF THIS LOAN AND JUSTIFY XXXX XXXX CONCERNS IN THIS CFPB COMPLAINT. SELENE RECEIVED THIS LOAN FROM XXXX   WITH ERRORS AND HAS NOW ADJUSTED THE PAYMENT TO THE CORRECT AMOUNT OF {$260.00} BUT HAS REPORTED TO THE CREDIT BUREAU THAT XXXX XXXX WAS LATE TWICE ON THE PAYMENTS WHEN INFACT XXXX XXXX HAD PAID THE CORRECT AMOUNT ON TIME AND SELENE AT THAT TIME OF PAYMENTS TRIED TO REFUND THOSE PAYMENTS WITH CHECKS XXXX AND XXXX. AS OF TODAY XXXX XXXX HAS NOT CASHED THE CHECKS AND THE ACCOUNT NOW SHOWS A CREDIT. PLEASE ADVISE
Consumer complaint received 2023-07-26
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. (GA)

- XXXX XXXX XXXX XXXX, {$5200.00} - XXXX XXXX XXXX XXXXXXXX, {$4400.00} - XXXX XXXX XXXX XXXX XXXX {$810.00} - XXXX XXXX XXXX XXXX {$420.00} - XXXX XXXX XXXX, {$2500.00} 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Consumer complaint received 2023-07-26
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)

- XXXX XXXX XXXX  XXXX, {$5200.00} - XXXX XXXX XXXX XXXXXXXX, {$4400.00} - XXXX XXXX XXXX XXXX XXXX, {$810.00} - XXXX XXXX XXXX XXXX, {$420.00} - XXXX XXXX XXXX {$2500.00} 15 USC 1681 Section 604 " States rights to consumers privacy '' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Consumer complaint received 2018-10-20
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)

Equifax never fix an error/inaccurate information that I'm disputing on my credit report account. They keep sending me letters back after my dispute stating its been verified. How was it verified? Who verified it? Do you have a contract in writing with my signature on it? I ask the question all the time, and I never receive a straight answer or any proof back. Equifax is committing a CRIME. They falsified my address disputes and never deleted the address. I have sent them proof of address which was my electric bill. I received my investigation letter back on XX/XX/XXXX and they still didn't delete or verified anything. They would send me a copy of the investigation with deletions. I'll go check my report and there still there ... .never deleted. Then they added a wrong address on my report, which I never ask them to do. I've been disputing my inaccurate addresses, inquires, and accounts XXXX XXXX inaccurate, XXXX XXXX XXXX inaccurate, and XXXX never was 30 days late. I disputed accounts on XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, and it seems as though nothing is getting done. Under the Fair Credit Reporting Act the credit bureaus must prove that the accounts are mine. They have not proven anything since I've been disputing, and I've been disputing for over 3 months. They are committing a CRIME and I'm going to seek justice. I've tried reaching out to them but nothings getting done.
Consumer complaint received 2018-10-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P. (CA)

This account was paid off In XX/XX/2017. Since then I have been contacted by Three different  collection agencies regarding this bill. I do not owe this, I've been asked to provide proof, but in the last 3 years I have had someone stolen my identity and no longer keep personal information on hand. Since then I have had them contact me and then they started calling my mother who had nothing to do with this account. I felt violated and embarrassed that my family was now involved in a matter that is wrong. They have contacted her more then once and I finally called them back to stop calling her, when I spoke to her she started getting rude and telling me to pay up. I do not owe this amount and I wish they would correct this. Since my identity has been compromised in the past I feel that is is going to reoccur since my information is being bounce from company to company on a debt that I do not owe. I've been contacted by the following companies over a bill I do not owe. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-26
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. (OH)

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023
Consumer complaint received 2024-10-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

VALIDATION AND CEASE AND DESIST Collection agency Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX NAME : XXXX XXXX XXXX address : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following i nformation : XXXX. The name and address of the original creditor and the current creditor. XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. XXXX. Proof that the original creditor securitized the debt. XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.
Consumer complaint received 2018-10-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc. (NY)

there is information on credit report that do not belong on the report done dispute several time with Experian and they keep saying that the report is updated but there is no change why are they saying there is an update have never done business with XXXX XXXX XXXX XXXX having problem removing it from report or get it deleted Experian say i should contact the CFPB
Consumer complaint received 2023-07-26
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: HUNTINGTON NATIONAL BANK, THE (MN)

I have a checking & savings account with Huntington Bank. On XXXX XXXX XXXX  I had two identical fraudulent charges made using my checking account via XXXX. Both were for {$600.00} sent to a XXXX XXXX & a XXXX XXXX minutes apart. I notified Huntington immediately but was unable to speak to anyone until XX/XX/XXXX, due to the holiday. I was told the charges, totaling {$1200.00} total, would be investigated. I found it odd that they did not close down my account. Today on XX/XX/XXXX more than 3 weeks later, I received a letter telling me they ruled this was not fraud & gave no method to argue their findings ( only that I could request the documents they looked at ). While I only received this letter today, it is dated XX/XX/XXXX ( 7 days after the fraud occurred ) & post marked a week later ( on XX/XX/XXXX ). I tried to contact them several times during these XXXX weeks to get an update on the investigation, but was automatically put into a have a representative call me back answering service. I wasnt able to talk to an actual human during any point of their investigation only my initial call/report to a female representative who did not give me a case number or any information that I could use to reference that we had ever even talked. In the 3 weeks following, I continued to get alerts that my phone number was changed on my account ( including one within the XXXX hours of the fraudulent charges ) pointing to fraud/hackers. I changed my number, password & opted to use facial recognition for my account & notified Huntington about this & the possibility this was all linked & asked them how to proceed. I got no response from Huntington.
Consumer complaint received 2019-01-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A. (NY)

When I originally opened my card there was a problem reconciling the balance vs what I actually charged and paid. I called in to have it resolved and it was fixed however, they were unable to tell me why there was a difference ( in their favor ) in what was actually on my statement, what I charged/returned and what the balance actually was. Fast forward to today, I have been attempting to order items since XX/XX/XXXX. The first order was cancelled, I called to find out why, I was told it was cancelled due to an error. I resubmitted the order on XX/XX/XXXX, it was cancelled again. Still without reason. Now I notice that my balance isn't adding up. I asked for a review, no one can tell me how to get that done. I was given a {$50.00} gift card for my trouble, however my account is not corrected. On XX/XX/XXXX my 3rd order of the same product was AGAIN mysteriously cancelled. I was on the phone and emailing for hours. No reason. I again asked for my account to be fully reviewed. I was told that the transaction did not go through on my account so my balance was correct. This is absolutely wrong. My balance has shown different amounts every time I've logged in yet there are no actual transactions on my account. Today was the final straw. I asked specifically for an investigation and executive review and was told that they were unable to help and I needed to again call the credit department. I advised that I am not making another call. I've spent endless hours on the phone with XXXX 's no one takes responsibility and sees an issue through to correction. Since I had an issue with the very first transaction, I asked for a full accounting and review of my account debits and credits since account opening. I believe XXXX 's is incorrectly accounting charges and returns. The discrepancy is very slight and not obvious nonetheless, it is an amount of money that is not rightfully XXXX 's. Any transactions made to an account must be shown on the transaction history and statement. This is consistently not the case with XXXX 's.
Consumer complaint received 2023-07-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (FL)

XX/XX/XXXX : I placed an order for {$450.00} with the XXXX XXXX XXXXXXXX website. I used my Discover Credit Card. 

XX/XX/XXXX : I review my credit card statements and realize a ) I've never received the {$450.00} order and b ) I was never refunded the {$450.00}. 

I contact XXXXXXXX XXXX XXXXXXXX and they can see on their end that the {$450.00} transaction was " voided '' and agree that I should have received a refund. They even suggest to me to file a chargeback if I haven't received a refund. 

I file a chargeback with Discover and the dispute is NOT resolved in my favor. 

I spoke with XXXXXXXX XXXX XXXX afterward and they said that I should have been " made whole '' by this point by my credit card company. 

I have not been made whole by Discover. 

Even the merchant themselves state that I should have already been made whole. The merchant agrees with me on the facts of the case. Discover has not resolved the case in my favor despite written communication from the merchant agreeing with me. 

XXXX XXXX has agreed with me on the facts of the case, XXXX XXXX suggested that I file a chargeback with Discover, and XXXX XXXX insists that I should have been made whole by this point. 

This isn't a chargeback case involving disputed facts. This isn't a chargeback case involving a merchant at odds with the purchaser. This is a chargeback case where the merchant AGREES with the purchaser. I just want my money back.
Consumer complaint received 2024-10-04
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc. (TX)

Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Consumer complaint received 2024-10-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (TX)

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections.
Consumer complaint received 2019-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (VA)

On XX/XX/2018 I made my last payment to plain green because they were charging many fees and I found out they aren't legal to do business in my state. At that point I had paid them the amount that I borrowed. My next payment would have been due on XX/XX/2018. On XXXX XX/XX/2018 exactly 91 days after my last payment was due plain green reported the account closed and charged off to my credit report.
Consumer complaint received 2023-07-26
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. (MD)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$0.00}
Consumer complaint received 2023-07-27
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)

You are reporting inaccurate accounts on my credit report!! You must remove all of these accounts as soon as possible. This is not mine!! IM WORKING DAY AND NIGHT JUST TO HAVE THIS?? THIS IS UNACCEPTABLE!!
Consumer complaint received 2019-01-17
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. (FL)

Several times now when I try to file a dispute online I am asked a series of questions. A lot of the questions I am asked are items that doesnt show on my report at all and is unfamiliar to me I never done business with the company. After answering correctly I receive an message that states that the information I entered is incorrect. I have brought this issue up several times with this credit reporting agency and every time they are unwilling to assist or get it corrected. I most recently had to file a dispute over the phone and was told that it was nothing that can be done and Equifax doesnt have a department where any information that is asked for security questions online can be corrected which is ridiculous. Also they state that items cant be disputed which the other 2 agencies will dispute and remove items in a timely manner. Equifax will say it cant be disputed and its automatically removed but they has been several times where I end up disputing items anyway because it wasnt removed. The information on my report is completely different than what XXXX  and XXXX  reports but its the same companies which I dont understand as well also they remove items much faster than Equifax does when its disputed
Consumer complaint received 2023-07-26
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)

This is my 16th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$4800.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXBalance : {$4800.00}
Consumer complaint received 2023-07-27
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2023, and XX/XX/2023, I contacted XXXX XXXX regarding a wrong or an error late payment reporting. After the representative transferred me to the manager in charge. He stated that the payment by ERROR was skipped the previous month, and got applied to the next or following month. Since you've never been late, and you have a great payment history. I would suggest you only way for resolution is to contact the credit bureau reporting this mistake by ERROR in this case TRANSUNION. I have NEVER been late and may payment history is always on-time and current.