davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2024-09-12
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: ENCORE CAPITAL GROUP INC. (TX)

After the dispute investigation every account in collections shows open, past due and reflects past due balances. I also show one account was deleted however I dont know which account and during the dispute process XXXX has been sending collection mail, emails or text messages. 
I need a thorough investigation and validation from the buyer not previous statements of the old debt.
Consumer complaint received 2023-04-04
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. (MO)

In XXXX of XXXX I was in the XXXX XXXX XXXX. my mortgage went delinquent. XXXX contacted me telling me i qualified for a loan modification. ************THEY DID NOT INFORM ME OF COVID RELIEF OPTIONS. ******** I WAS NOT INFORMED THAT I QUALIFIED FOR COVID FOREBEARANCE OR ANY ASSISTANCE PROGRAMS. ******** ANY ATTEMPT TO SPEAK TO EXECUTIVE OFFICES OR PRESIDENTIAL UNITS WITHIN THE ORGANIZATION HAVE BEEN IGNORED. TO DATE I HAVE BEEN CONTACTED VIA PHONE ONE TIME. I WAS TOLD SIMPLY TO FOLLOW UP WITH MY ONLINE COMPLAINTS AS SHE COULD NOT HELP. XXXX is not FCRA compliant as they are violating item II ; A ; 5. " Considering the potential impact of the furnisher 's policies and procedures on consumers. " XXXX is not taking the time to investigate the situation and provide a fair resolution. XXXX to date has not researched my issue- they keep responding with the same generic responses. I was not advised of covid relief options. i was not advised of my qualification for multiple programs although XXXX was aware i was impacted by covid. XXXX was operating off of a denied modification package from fall XXXX and did not take the time to note the account accurately that i was having a second life event caused by XXXXI have XXXX discharge papers i am willing to provide as well.
Consumer complaint received 2023-04-04
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. (GA)

I contested the following information included on the attached files with Experian and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. Experian has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.
Consumer complaint received 2023-07-24
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: Experian Information Solutions Inc. (NV)

This is my several request 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, TX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XX/XX/2023 XXXX XX/XX/2023
Consumer complaint received 2023-04-04
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. (PA)

In XXXX of XXXX a direct dispute was made to Experian regarding a discrepancy whereas XXXX is reflected on my credit report. I do not have nor have ever had a credit card account with this bank. The account belongs to a relative not me who added me as an authorized user however the credit bureau posted this account without proper data and the bank was never authorized nor issued my social security number and accessed my information without permission which is nefarious. I have a statement from XXXX dated XX/XX/2023 acknowledging proper request to remove my name and they concluded that it was removed. However, upon disputing with Experian credit bureau they denied removal of the account which is a discrepancy and egregiously unprofessional after all the formal steps have been taken and proven. I find Experian to have exhibited negligence in handling this predicament. 

Ive contacted XXXX and XXXX regarding this same incoherent reporting of this XXXX account and it was rectified.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (OR)

Dispute and Request for Update of Personal Information I am submitting this complaint against [ Credit Bureau Name ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as XXXX XXXX, on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX, OR XXXX, while my credit report shows an outdated address of -XXXX XXXX XXXX, OR XXXX. 
XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license my correct name. 
A recent utility bill my current address.
Consumer complaint received 2023-04-04
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (FL)

Hi, XXXX  the XX/XX/2023 I asked my Friend to send me money so I could cover a bill I didn't have the money for due to be losing my job. My friend sent me the money after I didn't need it anymore because my employer finally paid me what they owned me. 
So I went into the Paypal.com account to refund the {$200.00} back to my friend.

When I clicked on the refund to refund my friend paypal.com went into my checking account and withdraw {$200.00}. 
Paypal.com should have taken the money in my paypal.com that is where my friend sent the {$200.00} and returned the money and they should have not taken a fee if they were going to refund the money. 

Now my personel checking account is overdrawn some {$200.00} plus bank fee of {$36.00}. 

I bank with XXXX XXXX. 

I need the money returned to my checking account at XXXX XXXX, and the money in my Paypal.com account refunded to my friend XXXX XXXX. 

My friend is XXXX XXXX My Paypal.com account is email : XXXX If you have questions please call or write me back. 

my address is : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, FL XXXX Thanks, XXXX XXXX
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC (TX)

I am a victim of identity theft. I recently learned that my personal information was used to open an account at NCA and XXXX you represent. I did not open or authorize this account with this company or any other company they represent, and I would like to ask that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account and take appropriate steps to remove information about this account from my credit files. Also, NCA never even sent me notice of the fraud account or else they would have already known that I was a victim of identity theft and this account is a result of thereof. Additionally, any reporting of a debt to the credit bureaus before allowing me to validate it may violate the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent.
Consumer complaint received 2023-10-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (VA)

XX/XX/XXXX - I deposited a {$6000.00} CASHIER 'S check issued by XXXX XXXXXXXX XXXX to my joint account to cover a charge from the IRS. 
XXXX deposit XX/XX/XXXX - No deposit XX/XX/XXXX - I called USAA to see what was holding up my deposit and was told it was a SYSTEM issue that could not be over-ridden. I escalated the call to their Problem Resolution team and spoke with XXXX. He said he would have this assigned to a person on his team to look into. No name or callback number was provided. I asked that he have the person working this to call me back by end of day today to provide an update. He agreed to that. 
The problem here is lack of personal engagement on the part of USAA. No person has looked at this check to see that it is a CASHIER 'S CHECK ; IT IS LIKE CASH. {$6000.00} is less than the {$10000.00} TSR requirement. 
Has AI taken over USAA? If a person there would look at this, they would see that the account has an outstanding charge from the IRS that this deposit would cover. AI is not very intelligent and I am disappointed and enraged by their inaction. It's absurd!
Consumer complaint received 2023-10-18
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc (KY)

On XX/XX/XXXX, my computer was hacked and my personal information ( including my banking information ) was compromised. After i had woken up for tge day, I noticed my Chime checking account was charged {$990.00}. Someone had accessed my browser through my personal computer and bought a XXXX XXXX XXXX under my name and had it shipped to XXXX, California. I have lived in Kentucky my entire life. I was able to see this because the order was made on my account through the XXXX XXXX, which I got confirmation for the order via my email. Unfortunately, it was too late to cancel the order, as XXXX makes you unable to cancel an order after 1 hour has passed, at that time, I was asleep. I was told by the merchant they would intercept the package and they did not. I have filed a dispute on my behalf to Chime, which was denied the same day. Since then I have filed 9 rebuttals against the denial, and all of them have come back denied once again. I have given them several forms of evidence including personal information, screenshots of the order, and even a police report. It does not seem to matter what i try, they are not on my side. I am contacting the CFPB in hopes that I can have my money returned from this fraudulent case of events.
Consumer complaint received 2023-10-18
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Empower Finance, Inc. (CA)

I requested a cash advance XX/XX/XXXX  to my XXXX XXXX  account ; they said it was sent, but I never received it. I provided photos to the company of my account that prove it was not deposited to my account. I asked for tracking or something so I can speak with my bank, but they have provided nothing. They just keep saying they are working on it.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (VA)

XXXX XXXX ACCOUNT # : XXXX XXXX XXXX XXXX IS IN VIOALATION OF INVADING MY PRIVACY, THEY HAVE MY INFORMATION AND I NEVER DID BUSINESS NOR SIGN A CONTRACT WITH THEM. 

AND CREDIT REPORT IS IN FULL VIOLATION 1. ACCOUNT ACTING AS A CHARGE OFF & COLLECTIONS AT SAME TIME 2. WRONG DATE OPEN & NO CLOSED DATE 3. PAYMENT HISTORY, ACTIVITY STILL OCCURING EACH MONTH AFTER ACCOUNT CLOSED
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (GA)

I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX  XXXX Account Number : XXXX It's showing that I have one late payment report. I am just asking for validation of the debt to help me better understand the basis of the debt and evaluate it for myself and I believe that the late payment it's inaccurate. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: PORTFOLIO RECOVERY ASSOCIATES INC (VA)

XXXX XXXX ACCOUNT # : XXXX PORTFOLIO RECOVERY ASSOCIATES IS IN VIOALATION OF INVADING MY PRIVACY, THEY HAVE MY INFORMATION AND I NEVER DID BUSINESS NOR SIGN A CONTRACT WITH THEM.

AND CREDIT REPORT IS IN FULL VIOLATION 1. ACCOUNT ACTING AS A CHARGE OFF & COLLECTIONS AT SAME TIME 2. WRONG DATE OPEN & NO CLOSED DATE 3. PAYMENT HISTORY, ACTIVITY STILL OCCURING EACH MONTH AFTER ACCOUNT CLOSED
Consumer complaint received 2017-01-26
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc. (CA)

Progressive Management System failed to let me know on the first attempt what my " debt '' was about. Second attempt spoke to my son who is the patient involved and was told the wrong amount. On the third attempt I figured out that the two letters where in regards to two accounts that where pending due to insurance verification. Two days prior to the call I placed to question the debt, I had already established a payment plan with the medical company. I had paid partial on both bill. There were no letters of notification that there were going to send them to a collection agency. XXXX., the account representative for Progressive management system, was very rude after I clarified with her that the account in question was already partially paid. She raised her voice and insisted that I was going to get a call for the bills if it was not resolved with the XXXX. I explained to her again that I had a payment plan in system and I had no idea why this was in a collection agency. Again, she raised her voice and became agitated and rude and told me that she was forwarning me that I would pay to them because they had a contract. I explained that this was between them and the medical company because I was n't even aware that this was being sent to a collection agency. She told me to stop having an attitude and that it was n't her fault that I could n't pay my bills and she was only there to help. I felt very unconfortable and threaten because she kept telling me she was forwarning me. I felt like I was going to lose my payment plan already established and be forced to pay the collection agency. Once I hung up, I called the medical services and spoke to the agent I had established the payment call with and said that my case had not been referred to a collection agency and that my payment plan was still in place. I was left confused and threatened by XXXX. from Progressive Management Systems .
Consumer complaint received 2023-10-18
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: First National Collection Bureau, Inc. (FL)

First National Collection Bureau , Inc. be calling me at all different times of the day & night threatening me. I'm at aware of this account. They still keeping call me and different time of the day and night harassing me. Now todayXX/XX/2023 they are emailing me too. It's so frustrate for an amount of {$970.00} that I don't know. I told them to stop calling me that my XXXX XXXX XXXX and I wasn't working. That I could pay that one because it's not mines and two I don't have any money. They told me well your credit isgoingto go bad if you don't pay back on this account.
Consumer complaint received 2023-10-18
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America opened a credit card in my name, without my permission somewhere around XX/XX/XXXX to XXXX/XXXX. I contacted them in XXXX of XXXX to inform them that I did not authorize this account. They told me that I had a balance of {$20.00} on it. I said I did not make that charge. She said it was a yearly fee. Then she said they would have to wait a month to see if any other charges came in. I received a letter XX/XX/XXXXthat it has been resolved. They let me believe that I was hacked when in fact they illegally opened this account. I froze all my accounts, then unfroze after reported on the news that this is what they have been doing.
Consumer complaint received 2024-10-23
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. (GA)

Im positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.
Consumer complaint received 2024-10-07
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

When I reviewed my credit report, I discovered that some of the information were erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Consumer complaint received 2023-10-18
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL (FL)

On XX/XX/XXXX I had a XXXX  consultation with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida for dental work. His office is located at XXXX XXXX XXXX. During the consultation he advised me that I needed XXXX crowns or I would lose all my teeth. He also asked me how much I could afford per month. He advised that he would charge {$10000.00} for his services. 

On XX/XX/XXXX, I went in for about an hour and a half of dental work to have XXXX temporary crowns put in and I followed up in XXXX for the permanent crowns. During this time I began receiving bills in the mail from a company called Care Credit, and I had learned that an application had been filled out in my name and I had been charged interest at the time of consultation. In fact, had I known XXXX XXXX applied and already charged me for the services not even rendered on XX/XX/XXXX, I would have run out of his office and never seen him again. 

Things took a turn for the worse as I experienced XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I saw XXXX additional dentists, advising me of bad work performed by XXXX XXXX ( malpractice ), XXXX of the XXXX XXXX having to be replaced and now needing XXXX full implants - work that now will likely cost {$30000.00} or more to repair the damage he has done to my teeth and bones. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am extremely disappointed that a doctor could take advantage of me by filling and/or doctoring forms to procure a credit card in my name, charging credit for services before they were rendered and then rendering services so bad so as to cause financial damage more than XXXX times the cost of what was charged. 

I would like it notated that my husband assisted me with writing this letter and all statements contained herein are a matter of fact and 100 % truthful.
Consumer complaint received 2023-10-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.