davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc. (TX)

A recent inquiry into my credit report with all 3 bureaus ( XXXX, XXXX  and XXXX ) made me aware of 2 accounts that report negatively on my credit bureau files. Research revealed that these 2 entities are owned by the parent company known as XXXX XXXX , XXXX . These 2 entities are XXXX XXXX and XXXX XXXX  XXXX. These debts are not mine, yet they appear on my credit bureau file ( s ) as charged off debts. 

The XXXX XXXX account appears with a balance due of {$150.00}. I have never had an account with this organization. The XXXX XXXX XXXX account appears on my credit bureau file ( s ) as an Unsecured loan account with a charged off balance of {$410.00}. I have never obtained a loan from this organization and based on the corporate description, was unaware that they offered such services. 

In correspondence dated XX/XX/XXXX ; I requested proof of my obligation to pay from both of these organizations. They responded with a letter requesting that I send them a police report for identity theft. I responded with a second letter dated XX/XX/XXXX again requesting validation in the form of ANY application for an account for credit or a contract bearing my signature. They both responded on XX/XX/XXXX with a print out of a bill ; which according to an FTC opinion letter is NOT sufficient proof that a debt belongs to a particular individual. 

According to the FCRA these debts have not been proven to belong to me and should therefore be removed from all 3 credit reporting agencies files. Subsequent requests for the same have not been honored by the credit bureas or by either of these organizations. The credit bureaus continue to report these debts as mine and I have also requested thier Method of Verification for these debts which they have yet to provide. A subsequent complaint regarding the actions or inaction of the 3 major credit bureaus is forthcoming. Additionally, I have a filed a complaint with the Better Business Bureau ( BBB ) in Wisconsin and am planning to file a complaint with the Texas Attorney General 's Office.
Consumer complaint received 2018-01-18
Product: Credit card or prepaid card — Store credit 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: SYNCHRONY FINANCIAL (AZ)

I had a credit card accounts with SYNCXXXX that got delinquent due to personal issues. When i got back on my feet I settled this account under the agreement that it would be completely removed from my credit reports yet they still remain. I contacted then several times in the past to resolve this with no luck because i did n't get the agreement in writing from the CSR that assisted me and assured me they would remove the account from my credit reports. here are the partial account numbers listed on the credit bureaus XXXX ....
Consumer complaint received 2022-08-16
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (MS)

Navient has reported my loans in repayment status which is causing my credit score to decrease dramatically. Student loans are supposed to be in nonpayment status until XX/XX/XXXX. I am not able to reach them by phone or email. I would like this to be corrected on all of my credit files.
Consumer complaint received 2018-01-20
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (FL)

I sent $ XXXXCAD to XXXX XXXX Using my Pay Pal Account Transaction Details Transaction ID:XXXX XXXX XXXX, 2017 SENDER RECIPIENT XXXX XXXX XXXX XXXX XXXX XXXX YOUR NOTE TO XXXX XXXX For the XXXX XXXX logo this is my grandpas paypal cause I dont have one I sent it in this not XXXX XXXX XXXX because he said so and I added XXXX $ more just for the trouble. 
The money was On the third time sent using friends and family pay pal will not refund even though the item was never received. I have requested XXXX XXXX To send four e-mails to XXXX with no replies. Requesting status and refund Grand son has also requested status via text messages and received no relpy. 

I feel we were scammed. 
is there any way to check and see if the money was ever picked up or XXXX XXXX logo sent.
Consumer complaint received 2018-01-23
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Tate and Kirlin Assoc (SC)

I wrotXXXX XXXX XXXX XXXX XXXX a debt verification letter and stated that any communications from that day forward to me is to be done by mail only. This company is still trying to communicate with me by phone instead of mail.
Consumer complaint received 2018-01-22
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. (CA)

I was looking at my credit using XXXX XXXX and I noticed a few accounts and inquiries that I did not recognize. This made me wonder who could have used my credit so I asked my family and they all said no. I immediately contacted the bureaus and placed a fraud alert on my credit report.

Reporting on XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX on XX/XX/XXXX Reporting on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Reporting on Experian XXXX XXXX XXXX with account number XXXX XXXX XXXX of XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX I have been told by each bureau that the accounts and inquiries will be removed. However no change has been made and this is starting to effect my credit.
Consumer complaint received 2018-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (AL)

On XX/XX/XXXX I filed a dispute with all 3 Credit Bureaus about a Fraudalent Account on my credit report with XXXX XXXX XXXX with a {$610.00} Negative Balance. Two of the Credit Reporting Agencies removed the account and one did not. However all 3 of them removed a Positive and good Credit account that my wife and I have with XXXX XXXX with a {$2500.00} balance, a card opened in XXXX XXXX. This has drastically affected my score and it 's hindering me from refinancing a 4.5 acre 4500 sq ft building that I own and trying to refinance. They all refuse to put the account back on my credit report and all told me to contact XXXX XXXX. I did contact XXXX XXXX and they said all 3 of the bureaus should stand up to their mistake and put the account back on my credit. The account number is : XXXX XXXX XXXX XXXX
Consumer complaint received 2018-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA (MD)

Without notice, explanation, or legal authority, XXXX XXXX has revoked my ability to suspend direct debit payments. Despite the fact that I pay by bill in full each month before the direct debit withdraw date, XXXX intends to withdraw an additional full payment from my savings account. In other words, I pay ~ {$480.00} to fulfill my monthly obligation before the XX/XX/XXXX of each month. On the XX/XX/XXXX, XXXX intends to withdraw another {$480.00} payment to my great detriment. I should have the ability to suspend this withdraw. I possessed that ability for the previous six months. Upon information and belief, XXXX revoked the suspension ability in retaliation for my whistleblowing activities.
Consumer complaint received 2018-01-22
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)

I was looking at my credit using XXXX XXXX and I noticed a few accounts and inquiries that I did not recognize. This made me wonder who could have used my credit so I asked my family and they all said no. I immediately contacted the bureaus and placed a fraud alert on my credit report. 

Reporting on Equifax XXXX XXXX XXXX with account number XXXX XXXX XXXX XXXX with account number XXXX XXXX XXXX  on XX/XX/XXXX Reporting on XXXX XXXX XXXX  XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX Reporting on XXXX XXXX XXXX XXXX  with account number XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX I have been told by each bureau that the accounts and inquiries will be removed. However no change has been made and this is starting to effect my credit.
Consumer complaint received 2018-01-23
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (VA)

I spoke to XXXX XXXX from Navient back in XX/XX/XXXX. He requested I provide 2-3 paystubs in order to enroll in a new program. I uploaded the information and fast forward 3 months later. I keep getting calls from Ohio ( like every 30-1hr ) leaving voicemails with no message at times or leaving no vm 's at all. At first I was n't sure who it was, until It angered me and that 's where I found out it was Navient. Just to find out I was delinquent 3 months and I owe over $ 1k. Never had a problem in the past and now they are telling me im delinquent when I clearly spoke to one of the employees there. Also, to find out they never received my information. Let me remind you my personal information is on these paystubs, and to find out they do n't have anything on file for the month of XX/XX/XXXX, that 's actually scaring me. Now, Navient is asking for my paystubs again and I do n't feel comfortable doing it. I need help and I need help fast because Navient is not a friendly, helpful company to deal with. If someone can guide me the right direction that will be highly appreciated
Consumer complaint received 2018-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TekCollect Inc. (FL)

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TEK COLLECT INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on  sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious TEK COLLECT INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX DOB XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2018-01-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: United Collection Service, Inc (FL) (FL)

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX ATTENTION DISPUTE DEPARTMENT UNITED COLLECTION SERVICE, INC Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious UNITED COLLECTION SERVICE, INC I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XX/XX/XXXX SOCIAL XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX
Consumer complaint received 2018-01-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (KY)

Credit inquiry glitch from TransUnion did n't fix the process. They refused to remove inquires on the credit report No 5 days notice. 
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
Consumer complaint received 2018-01-18
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. (DE)

While this company servicing my loan was still XXXX XXXX, the monthly payments were very high and they were not willing to work with me to lower the payments and make them more affordable. I entered into an agreement with them where once they adjusted my monthly payment, and they were made on time for 6 months, that all negative information related to the account would be removed. Once thee account carried over to XXXX the same terms were to apply. To ensure that there were no problems considering the reputation of these companies, I enrolled in auto pay. The payment have been made with a hitch for a quite a while however, the company has not honored their commitment. Furthermore they are still reporting late payment although I am enrolled in auto pay and have proof that the payments were made. I am in the middle of trying to purchase a home, and the XXXX XXXX question continued to come up with all perspective lenders. It is becoming very frustrating and costly. They continually misreport, and have basically harmed me in every way listed in the lawsuit filed by CFPB.
Consumer complaint received 2018-01-23
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (TX)

In XXXX and XXXX I wrote a letter in writing to verify the following account. I received a response the account was verified with no proof provided as requested. Also XXXX XXXX XXXX sent me a consent of treatment form along with an itemized bill, that I did not consent for 3rd party. Therefore I took it upon myself to investigate. On XX/XX/XXXX I wrote a letter to XXXX XXXX XXXX requesting them to provide the following as validation : *Copy of my signature with the provider of service to release my medical information. 
*Contract showing I signed with the CA to disclose medical information. ( THE CONSENT FORM IS NOT A CONTRACT WITH THE 3RD PARTY ) *Details on rather the contract was sold and amount. 
*Copy of contract allowing 3rd party to collect and report to the Credit Bureau XXXX 
*Texas Surety Bond information as required by Sec.392.101 As of XX/XX/XXXX, I have not been provided with the above and I also wrote to BBB to assist and they failed to respond to them with 22 days.
Consumer complaint received 2017-03-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (CA)

lease find attached the FTC documents and my dispute letter on an account that i fraudulent located on my records.please have this account removed from my credit reporting since i need your help .the mentioned account is not mine and i have never authorized this account to be issued. i have already send a complaint to best but, this account can not be fount nor at XXXX or XXXX who could be the issuer of this account apparently. 
please follow up this matter, i would greatly appreci
Consumer complaint received 2018-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ad Astra Recovery Services Inc (KS)

XXXX XXXX XXXX XXXX XXXX # XXXX sued me around XXXX XXXX. We went to court and had a hearing where I filed a Motion to Dismiss, there was a scheduling order and Defendant 's First Request for Production of Documents and A Journal Entry with Dismissal by the Petitioner Attorney XXXX XXXX. Around XXXX XXXX I received a phone call from Attorney XXXX XXXX asking if I would like to settle. We reached a settlement where he would pay me {$16.00} and remove this debt from all three credit reporting agencies. The mysterious thing is that XXXX XXXX sued me, but a debt collection agency owned by Attorney XXXX XXXX named AdAstra is reporting the debt to the credit bureaus. I wrote two letters to XXXX XXXX and one to Ad Astra. I wrote and disputed with the credit bureaus and showed my proof that there was a settlement and the case was dismissed by Attorney XXXX. I have all the paperwork and evidence. I have NEVER received the {$16.00} from Attorney XXXX nor has the wrongful credit reporting ceased. AdAstra is still reporting this debt, ruining my credit, when the case was settled and dismissed in XXXX of XXXX.
Consumer complaint received 2018-01-23
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. (CA)

XXXX XXXX sent my credit information to various banks without my consent giving me more than 1 hard inquiry like they stated i would receive. They kept on sending out my credit report a day after i had already turned down their offer. 
XXXX XXXX XXXX, 2017 Ally Financial XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017 XXXX XXXX XXXX XXXX, 2017 XXXX XXXX XXXX, 2017
Consumer complaint received 2018-01-18
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: Bread Financial Holdings, Inc. (PA)

XXXX XXXX put credit inquiries on my report on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I did not authorize these inquiries. I sent them a letter disputing these inquiries and was sent back a generic response that inquiries are a matter of record and it would n't be removed. I did not authorize these inquiries and I would like them removed from my report.
Consumer complaint received 2018-01-21
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC (CA)

I had receive a letter dated XX/XX/XXXX from XXXX XXXX XXXX acting in behalf of XXXX XXXX XXXX, XXXX ; disputing XXXX XXXX XXXX charges for the amount of {$1000.00}. 
This account has been filed and solved on XX/XX/XXXX with the Consume Financial Protection Bureau, with reference number XXXX. 

First of all, this polemical disputed derogatory charges from XXXX XXXX XXXX has been disputed many times with several other creditors. After, disputed such inaccurate charges with XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX on XXXX, based in the findings subsequently such derogatory information was deleted by those creditors from my credit profile. 

Now, XX/XX/XXXX XXXX XXXX XXXX is persecuting me again for services that I have had never provided by XXXX XXXX XXXX. My personal profile has been jeopardized multiple punishments for the same issue by the missteps of all those collection agencies. This aforesaid derogatory disputed account, it seems that has been transferred or sold amount collection agencies. 

XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX, must cease and desist with this multiple jeopardy persecution and punishment for the same issue that previously has been solved. 
The aforementioned derogatory charges from XXXX XXXX XXXX are services that I have had never solicited nor provided by XXXX XXXX XXXX. 

This is a matter that has been on and off for the last nine ( 9 ) years and needs to stop the harassment over this controversial issue immediately.