davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-06-08
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Source Receivables Management LLC (CA)

Debt Collector : Source Receivables Management for XXXX XXXX XXXX. 

In XXXX of XXXX, XXXX tried to collect {$800.00} form me on a contract which I had cancelled and for which their services were no longer being utilized. Please note that this money had been automatically taken directly from my account. I had the {$800.00} identified as a fraudulent change at my bank and they refunded the amount upon investigation. This amount was never authorized. Further to stop the account from going into collections ( while I found my original contract ) I paid them {$400.00} ( half-of what they said I owed them ). I do have the original contract and would be happy to provide that to you. I am still trying to obtain my {$400.00} back from XXXX and have had no success. 

Please note that the XXXX installed devices stopped working at as of XX/XX/XXXX ( which I expected at time as I cancelled the service and the contract had ended ). I have a contract with XXXX showing that my service will end on XXXX  ( for which they have been paid {$400.00} more than owed ). Please note that I called XXXX on XXXX to cancel their service. 

Sorry for the long story ; however now they say I owe {$30.00} to them and have provided it to " Source Receivables Management '' for collection. Their telephone number is XXXX, Any help you can provide in the timely resolution of this matter would be most appreciated. Please note that I have exhausted much time and money in regard to this resolution of this horrible matter. Thank you again for any help you can provide. 

The latest bill I received from " Source Receivables Management '' was dated XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (NJ)

In accordance with Fair Credit Reporting Act there are 3 Accounts : XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX # XXXX and XXXX XXXX XXXX XXXX # XXXX That have 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Consumer complaint received 2022-10-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK (OR)

I was affected by the XXXX pandemic, starting a new job, and my husband was laid off. I missed two payments on my discover account. I contacted them on a recorded line and explained my situation, and told them I wanted to make things right with them. I owed a lot. The gentleman I talked to set me up on a payment plan but told me with the payment plan, I still would get a late payment ding on my credit. I told him I really didn't want another ding on my credit report and asked him what I needed to do to assure I was current and not past due. He told me the amounts I needed to pay and by what date I needed to pay them. I paid every last dime I had to make my account current ; I contacted discover again and talked with another agent, and they assured me again I was current and wouldn't get another ding on my credit report. BUT they didn't take me off the payment plan. So it still dinged my credit report again as late. I then contacted them and asked if they would please listen to the recorded call as I did everything the representative said to do to make things right. They told me they would do an investigation and get back in touch with me.. Which they never did. I have reached out multiple times. They also FROZE my account after they marked it as late. Then said they would do quarterly, I believe? Checks to see if my account could be un-froze. I just recently am in the process of buying a new home and paid close to {$4500.00} towards this card to get my credit even better. Last week I chatted with my mortgage lender, and everything was looking good. Then Friday, I got a notification from XXXX that they had closed my discover account. I let this go for the past couple of years with my account closed because I really wasn't planning on using the card. I was just all about trying to fix my credit since it got so destroyed after this whole pandemic thing, and now discover is completely ignoring my requests to check the phone recordings to confirm that I did indeed do as they told me to do. I have been a customer with them since 2015. Since the pandemic I haven't missed ONE payment. I have paid every month on time. I had a {$9500.00} credit limit with them. This has made a huge impact on my credit, and I am very unhappy with my experience with them. By doing what they said to do, I am now paying the price with dings on my credit even worse than if I wouldn't have cut myself short and just did the payment plan.
Consumer complaint received 2024-09-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: GREENSKY OPERATIONS, LLC (CA)

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a third party credit agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX the account number XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Consumer complaint received 2022-10-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 These companies pull my credit without my permission so therefore I filed a report with identity theft.
Consumer complaint received 2023-11-06
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BARCLAYS BANK DELAWARE (NY)

In accordance with the fair credit reporting act, The Navyist Rewards Credit Card is issued by Barclays Bank Delaware, Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

*************************************************************************************************** In accordance with the fair credit reporting act, The Navyist Rewards Credit Card is issued by Barclays Bank Delaware, Account ending in XXXX, this creditor has violated my rights. Under 15 USC 1681 Section 602 states : I have the right to privacy, under 15 USC 1681 Section 604A section 2 : it also sates a consumer reporting agency can not furnish an account without my written instructions, under 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Barclays Bank Delaware, XXXXXXXX XXXX XXXX XXXXXXXX, DE XXXX
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

My XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I got financed with XXXX XXXX XXXX they are located In California. I got the car XX/XX/XXXX. In XX/XX/XXXX, the loan was Paid Off. I was XXXX from my job of 18 years. XX/XX/XXXX & XX/XX/XXXX, paid late. It is Now XX/XX/XXXX, years later. I have hired XXXX XXXX XXXX and hired XXXX XXXX for years. I Mailed Many Many Certified to XXXX XXXX, with No Response! No Luck getting the Negative Derogatory Mark, impacting my Fico Credit Score. Please Help! Thank You.
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (MD)

I filed a dispute with CFPB on XX/XX/2023. 



As of this date, I have not heard from the credit bureau regarding a resolution to the inaccurate accounts reporting on my credit report. 

The following accounts were disputed : Account Name 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 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 2023-08-09
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please remove the fraudulent hard inquiry on my credit report from XXXX XXXX from XX/XX/2023. Attached is the letter from XXXXXXXX XXXX requesting/approving the removal of the unauthorized hard inquiry.
Consumer complaint received 2023-09-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

My XXXX XXXX  XXXX XXXX XXXX XXXX XXXX. I got financed with XXXX XXXX XXXX they are located In California. I got the car XX/XX/XXXX. In XX/XX/XXXX, the loan was Paid Off. I was XXXX from my job of 18 years. XX/XX/XXXX & XX/XX/XXXX, paid late. It is Now XX/XX/XXXX, years later. I have hired XXXX XXXX XXXX and hired XXXX XXXX  for years. I Mailed Many Many Certified to XXXX XXXX, with No Response! No Luck getting the Negative Derogatory Mark, impacting my Fico Credit Score. Please Help! Thank You.
Consumer complaint received 2024-04-30
Product: Credit 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: JPMORGAN CHASE & CO. (TX)

On XX/XX/XXXX, a fraudulent charge was made on my Chase credit card in the amount of {$1800.00} at XXXX. I contacted Chase bank first thing on XX/XX/XXXX when I saw the charge pending on my credit card. They informed me that they would investigate it and would reverse the charge during the investigation. They did not. The charge posted to my credit card on XX/XX/XXXX. 

I saw additional details were added to the transaction details once posted to my credit card including the identifying order number. I immediately called XXXX XXXX to see if there was still time to cancel the order. They informed me that the item purchased was a XXXX XXXX and had been picked up curbside at the XXXX XXXX XXXX, XXXX location on XX/XX/XXXX. The item was picked up while the transaction was still pending on my credit card. Unfortunately, there was no way to cancel the order. 

The scammer had somehow gotten my credit card number and my billing information to be able to make the purchase. I still have this credit card in my possession. At pickup, if XXXX XXXX had a policy to ask for the credit card to confirm it matched the order - this could have been avoided because I still had physical possession of my credit card. I am also surprised Chase Bank didn't send me a text message or email to confirm if the transaction was valid. I never have transactions this large ( unless travel related like flight/hotel ), I don't live in XXXX, XXXX, and I haven't shopped at XXXX XXXX in several years ( last purchase I can find from XXXX XXXX is in XXXX ). I wish both XXXX XXXX and Chase had better checks and balances in place to prevent something like this from happening. 

XXXX XXXX provided me with the email and phone number used on the order. The email address has never been an email of mine, but it oddly incorporated my maiden name. The phone number used on the order was my childhood home landline from XXXX years ago. Huge red flag! I am wondering what other company/organization has had a data breach for this scammer to not only get my current information, but also know my maiden name and childhood phone number.
Consumer complaint received 2024-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (MD)

Last known bank address named. World saving bank calendar year XXXX. The account belong to XXXX XXXX XXXX last year known to alive was XXXX. The logo, trademark changed around XXXX  year, to XXXX XXXX. 
I XXXX XXXX am the beneficiary of XXXX XXXX XXXX saving account at world saving bank XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX I lost my last bank summary statements around XXXX to XXXX.
Consumer complaint received 2020-12-30
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC (CA)

Long history! XXXX XXXX sold my mortgage to LoanCare, why I do not know. Our first recurring payment with LoanCare started XX/XX/XXXX. What a nightmare, theyre driving insane. The problem started XX/XX/XXXX when I sent them a check for {$25000.00} to be credited to the principal, I have done this before, it wasnt a problem then LoanCare took my monthly payment of {$2100.00} and deducted from the {$25000.00}, when the monthly payments are recurring payments. Since then LoanCare havent stop doing the recurrence payment to my bank. I really do not trust them I have tried for them to fix their mistake. Instead, I get numerous recording messages that Im behind in my mortgage + the late fee. XX/XX/XXXX sent a certified letter with history attachments to the corporate office As of today XXXX havent heard a thing. Plus I enclosed two checks for {$2100.00} each to pay for whatever they are claiming were behind, except for a late payment. I beg them to let me know how to set up my monthly payments. I just find out that LoanCare has reported to the credit bureau that we are on default of our loan, our credit report went down from XXXX to XXXX. I would like to hire a lawyer, but that will be extra spending that we dont want to incurred from the poor administration/record keeping of LoanCare. As I mentioned before I have talked to a supervisor on LoanCare, Mrs. XXXX, who pretended she didnt know what I was talking about very unhappy, and rude! I need advice/help what should I do next?
Consumer complaint received 2023-06-19
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)

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 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 2022-10-19
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. (NY)

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.
Consumer complaint received 2024-04-30
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: SLM CORPORATION (TX)

I have never had or applied for a student loan. Ive been wrongfully charged with student loans that are not mine. The government has wrongfully taken nearly {$60000.00} from me over the years. I need this to be corrected and cleared.
Consumer complaint received 2020-04-05
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. (GA)

XXXX, XXXX  AND EQUIFAX ARE VIOLATION OF MY CONSUMER RIGHT BY REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF OF THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-27
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (GA)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 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 2023-11-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Onity Group Inc. (FL)

My very first payment to PHH Mortgage for XXXX 's payment was sent to them on XX/XX/2023. The payment was applied as a principal only payment instead of a regular payment with the surplus applied as a principal payment of ( {$54.00} ). I emailed this mistake, then called and spoke with a male rep who fixed the payment and assured it would not happen again. This same issue happened for XXXX 's payment, which was cashed on XX/XX/2023, but was applied again as a principal only payment. I then began receiving letters and statements toward the XXXX of each month, with false balance reportings and late fees. In XX/XX/2023, I again received a false statement, this time I emailed them a copy of the statment along with my bank info showing the payment made prior the XXXX, so the statements should not reflect that I'm past due, when I was not. I informed if this isn't rectified, I would be filing a fedeeral complaint. And it happened again in XXXX and XX/XX/2023. I am being financially harrassed and my credit is receiving false reportings from this company and it needs to stop.
Consumer complaint received 2023-02-08
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)

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE ATTACHED LETTERS.