davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-12-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (TX)

I called the company with the original creditor on the line because the original creditor stated the balance was paid and they did not know why the CREDIT COLLECTION SERV was on my report. When I spoke with the gentleman at Credit Collection Serve, he claimed he couldn't talk to me due to the state regulations. I asked him why he couldn't speak to me when they were reporting information on my report and he continued to state he couldn't talk to me. Then the phone some who disconnected when I was asked questions. I believe the rep disconnected the call on purpose.
Consumer complaint received 2023-09-11
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Early Warning Services, LLC (SC)

Today on XX/XX/2023, I was paid from a settlement directly to my zelle. Upon opening the app to accept my funds I was told My account was permanently locked. I called, and was told they do not accept my cards anymore ( no email or text was sent telling me about these changes. ) They would not tell me why I wasn't told, they would not tell me why things changed. They would not help me access my funds and kept giving a run around answer ( we do not support your bank anymore ). As I've said nothing has been sent explaining any reason to any of this all of a sudden change. When I've been receiving funds just fine with my card on their app. They say they do not have any more information of mine and never have, yet I've used their app multiple times and my information was there. Now all of a sudden, it's permanently locked and they can't and won't do anything. Making me and my kids suffer and have to wait for them to send the funds back and to get a check from the sender. ( Process about XXXX months ) this is absolutely obsurd. Had they had communicated with their customers I wouldn't be as mad. But the ignorance and refusal of a decent answer is absolutely outrageous.
Consumer complaint received 2023-08-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: HEARTLAND PAYMENT SYSTEMS INC (VA)

Received notice in Late XXXX that payments were restarting. 
I submitted an in-school deferment form XX/XX/XXXX, which was rejected due to signature not appearing Received proper document and went to resubmit XX/XX/XXXX. 
Received no other notice from the agency. 
XX/XX/XXXX, was told account was moved to collections and they could no longer help.
Consumer complaint received 2022-11-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2021-05-20
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 recently check my credit through XXXX XXXX website and i noticed a fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.
Consumer complaint received 2023-09-11
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis (GA)

Upon checking my credit report because of other fraudulent activity, I discovered an amount of XXXX was sent to a Genesis collection agency. I called to discuss this with them and learned that someone had used my identity to apply for a lease.
Consumer complaint received 2023-12-23
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: EQUIFAX, INC. (FL)

I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-09-11
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc. (AL)

Writer is co-signer for private school loans, 5 in total, which all are set to go into repayment at the same time- after the standard 6 month post-graduation grace period ( XX/XX/ ). Due to an error on the company 's behalf, one loan out of the five is listed in repayment status several months early. The primary on the loan has had many conversations on many different occasions with many different individuals to fix the issue, and has provided verification of both XXXX and XXXX graduation dates from the schools as requested by the company, however the issue has not been rectified. The last person to assist by not assisting, stated that it went into repayment therefore, they could only put it in a 'return to grace ' period, for which interest would still accrue ... ..even though it was their fault and should never have been in repayment in the first place. Which basically boils down to, we are paying extra money for their mistake which they have refused to properly rectify, despite multiple attempts on our end to fix by going out of out way to provide verifications directly from the schools. No action has been taken by the company to address their mistake. Their continued mismanagement of our school loans could not only cost us more money, but affect our credit scores and cause financial hardship. What's worse is the incompetence of customer service in not being able to address and correct what could likely be fixed in minutes with the stroke of a computer key or two. At each communication we've been assured it would be fixed, yet here we are being threatened with due dates and late payment fees, etc ....!
Consumer complaint received 2023-07-07
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Consumer complaint received 2023-09-11
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)

, there is information that is on my consumer report that is a result of IDENTITY THEFT. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be BLOCKED and DELETED. My request to block is not being made in error ; nor is my request to block is being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. 
The identified transactions are not information related to any transaction by me as the consumer. 

Based on 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of the receipt It has been 30 days and you are in violation of this law because I am a victim of identity theft! please delete these items as soon as possible! 

These accounts and inquiries should not be furnished on my consumer report as they are in violation!! Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates. 
I never gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 

PLEASE DELETE THESE ACCOUNTS IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA law 15 USC 1681 I have not given written permission to put anything on my credit profile have violated me pursuant to 15 USC 1681 B the permissible purpose of Consumer Reports you have no permissible purpose by law to contact third parties with my private and personal information your offenses amount to aggravated identity theft pursuant to title 18 USC felony punishable 1028A in addition to civil liability up to {$1000.00} per violation you are also in violation of 15 USC 1692 my instructions are for you to delete these accounts immediately. 
PLEASE AND THANK YOU.
Consumer complaint received 2023-09-11
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY (TX)

Though I opened the credit line at Dillards store, with forced promotions, I did a purchase with this line only the day of opening. Then after a bunch of transactions were made on this account without my knowledge. My credit limit was {$300.00} when I opened it, then after changed to {$900.00}. And it says only in store purchase. I didnt even received my credit card. As I seen from the sent statement to me, about {$7800.00} was used within a month. I called my creditor multiple times after I received alert that my credit had charged with multiple transactions. When I called them even they couldnt pull out my account with my phone number, except with my social security numbers. Though I disputed multiple times I do not see any changes on my credit report.
Consumer complaint received 2023-08-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Quality Asset Recovery LLC (NJ)

Please see attached, I looked at my credit report & saw this account on my report that was inaccurate, I sent out numerous requests to the debt collector and credit bureau to reinvest this account with no success. Im in the process of buying a home for my family & this item on my credit report is hindering me.
Consumer complaint received 2023-09-11
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.
Consumer complaint received 2024-08-26
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (WY)

In accordance with the fair credit reporting act everything has to be XXXX accurate on my credit report. The credit bureaus stated my account was properly invigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date of last payment is inaccurate.this is grounds for removal they also violated my rights under 15u.s.c1681 602A states I have the rights to privacy. 15u.s.c1681 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions.also the credit bureaus took longer than 30 days to complete an investigation. Please remove the following accounts for several violations or I'm demanding {$1000.00} for the XXXX violations.inclosed is all of the accounts with violations grain # XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-07-07
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. (UT)

Transunion unlawfully changes my name to a second fictitious name as of last week- which, according to the notarized court document I sent them- I have not had since 2003. I sent Transunion the document in consequence of the fact that they changed the name on my file to their fictitious name I have never been and never gone by. So, in response to my document, they take the legal name change ( to revert to my maiden name by which I have legally been known as ever since ) to use the surname the document removes ( XXXX ) on my account, replacing their former fictitious file name. The name XXXX is not my last name either. They change my name again to an almost equally fraudulent name I used for about one year, two decades ago, that is dissolved due to the cheater I married who has an undisclosed communicable disease- therefore the annulment was granted. Transunion has no authority to change a court decision, signed by a judge that gives my maiden name, XXXX XXXX, back- due to XXXX XXXX fraud. Now Transunion commits fraud in attempting to force me to take his name back.
Consumer complaint received 2023-07-10
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. (FL)

In accordance with the Fair Credit Reporting Act XXXXXXXX Account ( XXXX ) Name ( XXXX ) and Number ( XXXX ) : Record type : Public Record : XXXX XXXX bankruptcy dismissed ; Reference number : 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 an account without my written instructions.
Consumer complaint received 2023-07-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc. (FL)

COMENITYCAPITALBANK/XXXX  This account is being reports twice ( 2 time ) on my all 3 credit bureaus with a balance of {$7600.00}.

Multiple calls to the creditor to request the remove the duplicate account have been ignored.

Disputes to the credit bureaus have also been ignored.

The correct balance is {$4600.00} and is being reported correctly in the second account.
Consumer complaint received 2016-12-29
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Senex Services Corp. (VA)

At time of service XXXX/XXXX/XXXX double insurance coverage file as uninsured. Contacted hospital. Gave insurance information a second time as it was supplied at time of service. Instructed them to file XXXX primary XXXX secondary in XX/XX/XXXX.Thought it was resolved. Showed on credit report XXXX. Call debit collection who says it was filed as uninsured. And with optima health have to address with hospital.. Call XXXX Hospital of XXXX and XXXX County. They show filed with XXXX and XXXX withdrew payment.Should have been filed with both. Addressed in XXXX. No other bills sent. Showed up XXXX on credit. Contacted XXXX awaiting them to pull claim file. No opportunity supplied by hospital to correct in fact since no other bills received assumed resolved.
Consumer complaint received 2022-12-08
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (FL)

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2024-04-25
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC (FL)

I currently own in a condo building on the XXXX XXXX XXXX. I am being charged over $ XXXX for XXXX insurance purchased by my mortgage company because they say they have no record of receiving the copy of the policy. I have sent the information XXXX times using different process. Most recently I was told my policy has to name them as beneficiary. This policy is purchased by our association for the entire building. I own several condos and normally send this info every year and it's not an issue but with this company they won't accept the insurance that is active. An increase of $ XXXX a month in my mortgage us substantial and it seems they won't stop charging me. This has gone on for over a year. 
They also are forcing me to let them hold escrow. I own 60 % of my mortgage and have never been late with a payment. This company fails to pay my insurance bills. My XXXX policy was canceled and I had to swiftly pay it to get it reinstated. They should have paid that policy in a timely manner. I honestly would just pay off this mortgage but I can't without a penalty.
Consumer complaint received 2024-04-25
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (KY)

On XX/XX/24 XXXX purchases a {$100.00} Vanilla Visa card from XXXX. I received activation receipt and have full receipt which I am attaching. I called XXXX as my card was declined multiple times. I was told there was some sort of activation issue even though I have activation receipt as documentation. I requested a case be created and this card be appropriately activated and I was declined for both. I am attaching front of card + receipts.
Consumer complaint received 2024-04-25
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (TX)

I have sent a Cease and Desist letter to FCO - Fair Collections & Outsourcing, but they have refused to comply with Federal guidelines by ignoring my request to resolve this matter. Additionally, FCO is operating as a collection agency without being legally bonded or insured to collect in Texas, which is a violation. Moreover, they are also in violation of the Fair Debt Collection Practices Act, including but not limited to Section XXXX. Please have FCO Fair Collections & Outsourcing cease all collection activities. This is my last attempt to complain outside of court.
Consumer complaint received 2021-05-19
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL (LA)

I entered a consumer credit transaction with synchrony bank and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which they claim that an alleged debt is now owed, the interest was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that synchrony bank claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. XXXX synchrony bank has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
Consumer complaint received 2023-04-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (GA)

Re : XXXX Bank Account Number XXXX In accordance with the Fair Credit Reporting Act, XXXX Bank Account XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It is also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.