davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-30
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JH Portfolio Debt Equities, LLC (CA)

XXXX ( XXXX XXXX, CA ) is charging me for advertising that I did not contract with them for regarding online listing for my business. Yearly, they call me to reinstate my contract with them. And, knowing that I was moving, I did not contract with them for the year XXXX. When I called them about the invoice, they refused to provide me with a valid contract or any other proof that I had a contract and that the billing was legitimate. The debt was first sent to XXXX XXXX and XXXX, and on XX/XX/XXXX I wrote a letter stating that I did not owe the debt and made a clear request that I be provided with proof of contract. The debt has now been sent to XXXX and I wrote them a letter saying that the debt is illegitimate and that I would require proof of contract. The amount that they state that I owe is {$580.00}. I need help resolving this matter. Thanks.
Consumer complaint received 2023-05-20
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. (CA)

Hello good afternoon to whom may concern My name is XXXX XXXX, today ( XX/XX/2023 ) I went in with a XXXX real estate, and the agent ran my credit to get a house. It appears that I have 1 bankruptcy and 1 debt collection which I am not concerned about at all and that I have never signed or applied at all. In my entire life, I had great credit and always made payments on time. Unfortunately, I can't get a house anymore until this bankruptcy and debt collection under my credit is fixed and clear. 
The bankruptcy that I do not recognize at all and have not signed is from XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX AMOUNT : APPROVAL : {$1500.00} The debt collection that I do not recognize at all and didn't sign anything for is from XXXX XXXX, DEBT COLLECTION, DATE XXXX ACCOUNT OPEN : XXXX AMOUNT : {$1200.00} I also do not recognize the address that comes on my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX For any further questions please reach me at XXXX XXXX XXXX XXXX BACKUP NUMBER : XXXX If you can please call me with someone who speaks XXXX thank you
Consumer complaint received 2023-07-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX  XXXX Balance : {$500.00} ; XXXX  XXXX XXXX Balance : {$590.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Consumer complaint received 2023-07-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (NY)

Received a bill from Citibank for {$840.00} which was already paid.Have copy of my citi debit from my account dated XX/XX/22 for {$2000.00} and another debit on XX/XX/22 for XXXX XXXX.Paid my bill in spite of all the fraud that was on my account.Reached out to Citi fraud department and they haven't gotten back to me.Can you please assist.
Consumer complaint received 2023-04-27
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: Experian Information Solutions Inc. (NJ)

Under FCRA laws, investigations that take longer than 30 days need to be deleted off my credit report and this investigation took longer than 60 days for verification which was still not accurate. Please review the following complaint and dates.
Consumer complaint received 2023-05-20
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IA)

On XX/XX/XXXX I submitted complaint # XXXX through the CFPB about TRANSUNION reporting XXXX information on my Credit Card with XXXX  XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX. I stated that it was reporting this account as being 30 days late on XXXX or XX/XX/XXXX AND 90 days late on AUG-OCT or XXXX and that, that information was incorrect as I had called XXXX  XXXX XXXX  and they promised to make MODIFICATIONS to my account using the CARES ACT ( which is good XXXX, XXXX ) which would ADJUST my credit reporting to CURRENT and ON TIME. NOT LATE if I made a payment with them that day. I will attach proof that I was making large payments to cover the back payment due when they agreed to make these modifications. I had both health and financial issues during COVID which is EXACTLY who the CARES ACT was meant to protect!! This is now my THIRD TIME asking TRANSUNION through the CFPB portal to do a PROPER INVESTIGATION and make changes to this account. They have FAILED both times!! They just simple copy and paste my original report, they are literally NOT doing ANY INVESTIGATIVE work. Which is a DIRRCT VIOLATION of my rights as they are NOT ALLOWED TO USE THE ORIGINAL CREDITOR as means for proof of accuracy and they know that!! They just dont want to have to do any work whatsoever!! They DO NOT see me as a person with rights protected under not ONLY the CARES ACT but also under consumer rights 15 US C 1681 Section 603 ( 3 ) ( E ) which States The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained THROUGH PERSONAL INTERVIEWS with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record OBTAINED DIRECTLY FROM THE CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. They have YET to give me a fair and proper investigation! As you can see for yourself in my attachments they havent lifted a finger to protect these rights which state they are NOT ALLOWED to use as stated - information shall NOT include specific factual information on a consumers credit record obtained DIRECTLY from the CREDITOR of the consumer OR from a CONSUMER REPORTING AGENCY when obtaining information in an investigation about a dispute!!!! They just continue to deny me of my rights again and again.
Consumer complaint received 2023-04-08
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

I paid off the collection because I did not know I could dispute it. They stated That if I paid in full, they would ask credit bureaus to remove the debt from my credit report within 30 days. I paid in full in XX/XX/2021. However, it has been over a year, and nothing has changed on my report. While I understand that they are required to ask for removal after 7 years, there is nothing special about this timeline. That is the amount of time it takes to naturally fall off of a credit report. I only paid in full to prevent the statue of limitations timeframe from restarting and to have the debt associated with me removed from my credit report despite one of the accounts being 7 years old. I asked them to provide me a copy of the report they sent to the credit bureaus but they stated that they were unable to speak to that or provide me with a date in which the letter was sent.
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Aargon Agency, Inc. (CA)

Aargon debt collection sent me a debt collection letter with a fake debt with partially true information regarding me. When I called I asked for info on the debt and was given a fake address of the company where the debt originated ; XXXX, XXXX., XXXX, CA. I told XXXX, female, I have never had a storage unit in my life, this stumped her, she placed me on hold. She then suggested I dispute it but I asked for a detailed invoice of the debt, she again placed me on hold and then said OK I 've mailed you the invoice, which I 'm sure will never arrive because it does n't exist. There are many similar incidents like this involving this debt collector.
Consumer complaint received 2017-04-02
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Asset Management Outsourcing, Inc. (SD)

In XX/XX/2011, I developed a XXXX and found myself in numerous emergency rooms. In every case, I asked if I would be held responsible any costs of treatment, that they had other programs available that would take care of any cost for my visit. I was told that the main importance was that I receive the proper medical care for my XXXX. I just discovered that this Emergency hospital visit has been deferred to a collection agency.
Consumer complaint received 2016-09-23
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Receivable Solutions, Inc. (SC)

I have been getting calls and voicemails from this one bill collector for months now. They call at least once a day, every single day and leave a voicemail. It 's always a machine that calls. I have over 40 calls from them in just the last month or so but it 's been going on way longer than that.
Consumer complaint received 2023-04-27
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. (IN)

This is my request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please delete the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-08-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ORG GC GP BUYER, LLC (DC)

I did not sign, endorse, authorize and or consent to any contract or applications that created any inquiries with the listed corporation, agency and or company. Moreover, I have not applied for, neither received any services or credit with ( " GC Services '' ). I have no accounts and/or contract with ( " GC Services '' ), nor do I wish to contract with you. I do not authorize or consent to the release, transferring, selling, intrusion, data sharing, etc., of my private and/or personal identifiable information. This includes all file ( s ), contract ( s ) and or information containing the name ( s ) " XXXX XXXX XXXX, including but not limited to addresses, email address, social security number, credit card information, phone numbers, etc. in any variation, spelling or derivative. I do not consent and/or authorize the disclosure, publicizing or revealing of any information pertaining to me to any third party entities ; data broker services, direct marketing services, directory services, sponsors and entities in which ( " GC Services '' ), is acting as an agent ( s ), licensee, joint venturer, publisher and or any other services that are affiliated with ( " GC Services '' ). Further, there being no permissible purpose to obtain my Consumer Credit file, I request the unauthorized inquiry be removed from my Consumer Report immediately and a copy of such deletion mailed to me. This is an attempt to correct your records and any information obtained shall be used for that purpose.
Consumer complaint received 2024-08-30
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. (TX)

XXXX is inaccurately reporting my student loans to all credit reporters and miscalculating my balance on their website/records. I was checking my experian credit report when I found instead of 8 student loans in total ( unpaid and paid/closed ) ( I have only ever taken out 8 student loans in total ), there were 16 in total ( 8 open and 8 closed ). The balances have also doubled. 8 of the student loans are appearing from " department of educationXXXX '' and 8 additional ones are being reported from " XXXX '' - it appears this duplicate issue occurred during the transfer process causing in these " duplicate '' student loans with wildly inaccurate balances and payment histories and has not been fixed since XXXX of 2024. My current balances should also only be XXXX K instead is being reported I owe XXXX XXXX in student loans. XXXX XXXX  have been paid in full. Additionally, XXXX is currently placing my current payments towards XXXX already paid off student loans- meaning my payments are not being added to the principal amount and I'm accruing interest on the other active loans. I have reached out to both XXXX and XXXXother credit reporters with no resolution. I have opened multiple incident tickets with XXXX, been escalated on the phone, uploaded supporting documentation with no resolution. It was been 3 months of these consistent issues. I have also filed disputes with the credit reporters and no resolution has been made. Please review attached documentation for supporting materials.
Consumer complaint received 2023-04-08
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. (NC)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate XXXXate payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.
Consumer complaint received 2023-04-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

The reason for filing this complain against Transunion credit bureau is because I could not get access to my account to view my credit report. I forgot my username and password for Transunion. I have sent them letter and copies of my SSC, ID and my utility bill via Certified Mail and the receipt # is XXXX on XX/XX/2023, to clarify that I am the person. But I did not get any response from Transunion, so i called them and talked to the customer service and they could not resolve the problem, so they told me that their supervisor will call me in 72hour. but I did not get any call from them. I am in a hurry to get access to my credit file because I want to put fraud alert on my credit file. 
I am a victim of Identity theft ; I have filed two complains with FTC regarding two different credit cards on my name without my knowledge. The FTC report # is XXXX.
Consumer complaint received 2016-11-07
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (PA)

I recently went on my credit report and saw I have a collection from Midwest Recovery Systems. I called to find out why this has been placed on my credit report to and they said it was from a XXXX XXXX of {$840.00} in XXXX from XXXX XXXX. I have never received or applied for a payday loan and this is fraudulent. I asked for a proof of debt and they would not send. I have never received funds from this company and they need to be removed this from ALL XXXX credit bureaus asap! This is a scam to collect money. XXXX XXXX is no longer in business as well. This is complete Fraud!
Consumer complaint received 2023-04-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION (CO)

Capital One claims that in using their virtual card on the internet, a one-time only payment can be used by the merchant, thus making card payments on the internet completely safe for the customer since no one could ever use that number again to debit the card. On XX/XX/XXXX I made a payment for a year-long trial subscription to XXXX XXXX XXXX XXXX a travel club which finds great airline fees. I used the Capital One virtual card since I did not want the merchant to charge me again. However, on XX/XX/XXXX a second charge was charged to my card for {$69.00} by XXXX XXXX XXXX, using the same " one-time virtual card '' as the previous year. I called Capital One immediately on the same morning and was told by XXXX XXXX? ), a supervisor, that it was their mistake -- the virtual one-time payment card should never be able to be used again -- and he had " fixed it '' so that it would not happen again. He refused, however, to refund the money, saying I would have to first dispute it with the merchant. Then if I failed there I would have to fill out several Capital One forms and send it to them. All of this had to happen in about the next two weeks. It is neither the merchant 's nor my fault and it is outrageous that it should be my problem and I should have to dispute with the merchant ( who did in fact deliver what he promised immediately after the payment ). To make matters worse, I have to be in XXXX in a week for a lengthy period -- and completely unable to deal with this. 
I have no documentation since everything on my end was done via the internet. However XXXX assured me he had documented everything in our call this morning. He had all the information, including even the virtual number I had used in the original purchase.
Consumer complaint received 2023-04-08
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. (FL)

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 USC 1681. 

Account name : XXXX  Date : XX/XX/XXXX Account name : XXXX XXXX Date : XX/XX/XXXX Account name : XXXX. Date : XX/XX/XXXX Account name : XXXX XXXX XXXX Date : XX/XX/XXXX Account name : XXXX. Date : XX/XX/XXXX Account name : XXXX XXXX XXXX Date : XX/XX/XXXX Account name : XXXX Date : XX/XX/XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.
Consumer complaint received 2023-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BARCLAYS BANK DELAWARE (FL)

Barclays/JetBlueacc # XXXX in name : XXXX XXXX XXXX The last time that I used was XX/XX/23 to go to my mother funeral. At the en of XXXX the bill came fort the air ticket plus an amount that I paid for previous month plus late charge. I paid the full amount XXXX. I did not want to pay the late charge fee. On XXXX the bill came for XXXX plus XXXX. Annual fee. I paid everything except the annual fee and I asked in a note to close the account. They never said anything but sent on next month again annual fee plus another late charge. I cut the credit card in half and included with a note that I have requested XXXX months ago to close the account. The bank never pays attention to XXXX request and keep sending bill adding late charge. I called serial times explaining the problem but never do anything. The bank wants me to pay a fee that for a service that I cancelled since XX/XX/23.