davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (FL)

On XX/XX/2019 I received a email notice that my Credit Score had a change and to review for accuracy. When I looked a XXXX, XXXX and XXXX, I saw that a debt collection had been added to my file causing my credit score to drop from 750 's to XXXX. 

When I reviewed the issue it appears that the debt collector is Phoenix Financial Services and is a medical bill. Of note, I have NEVER received any notices, bills, demand statements, calls, texts or emails regarding this issue. 

I sent an email to Phoenix Financial Services requesting documentation as to the validity of this debt, to which they have not responded. 

Should this be my debt, I have always maintained health insurance which would have surely notified me of any outstanding non-payment of services. 

I have excellent credit and pay all my bills ... this irresponsible gesture has hurt my credit report with no communication whatsoever from this company.
Consumer complaint received 2019-12-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlantic Recovery Solutions LLC (PA)

XX/XX/2019 I got a call and a voicemail from Atlantic Recovery Solutions,  specifically a woman who identified herself as XXXX XXXX. Before I was able to call her back, she had called my wife, my mother-in-law, my sister-in-law, and my father. My wife called me and told me that XXXX XXXX had asked her to verify my information to give information about the reason for her call. I called XXXX XXXX back at the number provided to my wife. XXXX XXXX told me that she is managing an account originating with XXXX XXXX. I told XXXX XXXX about details and she became irate. I asked XXXX XXXX why shes asking my wife for information and giving my wife information. XXXX XXXX told me that there was an account in collections that was paid for a year and then it stopped. I asked her for details and what account funds were paid from. She said that she would report the recording to her client and they can decide how they want to proceed and hung up on me. I called XXXX XXXX because she identified them as a creditor. They said that they are unable to find an account and this seems like a scam. XXXX  rep XXXX told me to report the interaction.
Consumer complaint received 2020-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am aVICTIMof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation, within my Transunion credit report. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit
Consumer complaint received 2019-12-30
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I purchased a car from a car dealership on XX/XX/2019. I financed the car through XXXX XXXX XXXX  for the loan. I received a title in the mail in XXXX from the DMV showing 2 liens listed on the title - mine ( XXXX XXXX ) and bank of America. I contacted the dealership several times and was told this would be taken care of and check with the DMV in 2 weeks. Over the past few months I have contacted the DMV several times and they do not have a lien release for bank of America. The dealership is now ignoring me and stated they are no longer owned by previous owner and cant help and bank of America says they cant help me because its not my account and the account is still " active ''. The dealership should have paid off any lien with the funds XXXX XXXX sent them for the car and the title should only show XXXX XXXX as the lien holder. I am stuck with a car right now with 2 liens and don't know who the other belongs to. I was never told about any previous liens when I purchased this car and chose to purchase through a dealership to avoid situations such as this. I feel as though this is fraud.
Consumer complaint received 2023-06-28
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. (VA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2023-05-08
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. (NY)

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and I do not give Equifax permission to furnish these accounts. 

Accounts 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 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY (NJ)

i called today and was put on hold endlessly as i did yesterday in the last week i charged XXXX dollars or so XXXX XXXX i was overcharged. they were supposed to adjust price and did not please dispute XXXX  dollars which represents how i was overcharged wrong prices they are not following policy i am a good customer and cant wait on hold forever i should get soemthing for my time. i told reps i could not hold thanks. 
They are with heavy accents hard to understand did not understand me please dispute XXXX dollars from XXXX XXXX charge
Consumer complaint received 2019-12-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Synovus Bank (TX)

First progress does not acknowledge the military lending act nor the XXXX. I have given proof of XXXX XXXX orders as well as proof of becoming permanently XXXX from my service time. They state I am not on an XXXX XXXX registry currently. Obviously not, I became XXXX in XXXX and can non longer work, let alone be XXXX XXXX.
Consumer complaint received 2023-06-28
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. (FL)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-12-30
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: Bread Financial Holdings, Inc. (SC)

Good day Sir/Madam, I am writing to file a complaint of fraudulent promotion of its rewards card which is the Good Sam Credit Card of Comenity Capital Bank promoted by XXXX XXXX XXXX XXXX 

I could not remember the exact date, but it happened either in XXXX or XX/XX/2018.  Heres why this is fraudulent. I went to XXXX XXXX XXXX XXXX to buy a fishing hook. As I was paying for it, the cashier told me that he could give me the fishing hook for free by applying and getting approved for a Good Sam Rewards. I got interested and asked him, Is the Rewards like a XXXX XXXX or XXXX in which you earn points? He answered, Yes. I asked him again, Do I have to pay to join for this rewards? He answered, No, but every time you use it here you have a discount and you earn points. So, I told him that I am interested to join so I could get the fish hook for free and in my mind knowing that the my credit score is really good. Then, he told that I did not qualify for the Good Sam rewards and asked me to pay for the fishing hook. Unexpectedly, he gave me an adapter charger for trying the Good Sams Rewards. I was mad and sad when I left for not getting it for free! After a few days when I checked my mails, I saw the Good Sam Rewards card. I was so upset and told myself that this is a fraudulent promotion! I was not approved as told by the cashier and now here it is in my mail box and its a credit card! He did not even told me that it is a credit card. I immediately threw it to the trash bin. 

Today, XX/XX/XXXX, I logged in my XXXX account and it shows I have 6 open accounts. I counted my credit cards in my wallet and its only five. I review my XXXX  open accounts and the Good Sam Reward Credit Card is open which I did not activate and was never approved for. 

I am seeking help to CFPB to close the Good Sam Reward Credit Card of Comenity Capital Bank under my name which I was not approved for and I did not activate this card. Moreover, any inquiry under my name done by Good Sam Reward Credit Card of Comenity Capital Bank be removed to all the three credit bureau so my credit score is not affected. 

I hope that this fraudulent promotion be stopped so other people wont be deceived. 

Thank you and happy holidays!
Consumer complaint received 2019-12-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC (FL)

You can look at my credit where this same company for one keeps running my credit without my permission. It originally was mariner finance and they sold it to another company. Now on XX/XX/XXXX they ran my credit for no reason at all. I am not the main person on this account and it is deleted off of my credit. They told me they are allowed to keep hitting my credit but it is against the law. They are also doing the same thing with my husbands credit.
Consumer complaint received 2019-12-30
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

XXXX  XXXX XXXX and shellpoint service and now XXXX are trying to charge XXXX me by increasing my monthly payment made up late fees and every way they can have to get my home their XXXX   goes to far as make allegations like I made a bankruptcy I did not but they claimed it all to make me pay for their extra fees and keep paying more but not proved on XXXX when they force me to signed their papers thought the court after paying my 3 payments in their called loan modification I notice that contract was not in my favor and by law their contract was supposed to be between the 2 parts agreed in their contract and they added so many made up charges so they increase it for more than the house was value their called help to keep your home was not good at all but they their loan modification was a fraud but I did not have more money and the lawyer I Got to help me did not helped me at all he side with them and told me that I got no options but go with it and after a year pay them they will be helped me more and I did not have to pay for any extra payment in the money they put extra more than XXXX they claimed my scrow my late fee lawyers fees and some many other extras made up expenses they claimed I owed them that money I was to pay it with 10 years and the original loan was not into it now XXXX XXXX XXXX fraudulent thinking of how to XXXX more money and keep the house they started to tell a XXXX about bankruptcy that my wife XXXX in XXXX and she was not even in the loan proved no other paper where into her name before XXXX but claimed she was even that she was I got my fraudulent Government helped on XXXX they sold my mortgage to who knows because 4 mounts ago shellpoint send me paper saying I owed them more than {$5000.00} dollars they don't know from where with out any proved but same papers that XXXX XXXX XXXX lawyers were harassing me dated from before XXXX they claimed I owed but not prove after few complaints to this shellpoint fraudalent company they send a paper saying that the new owner of my mortgage was XXXX another fraudulent bank all they got is XXXX not proveen that I owed any money because if they claimed it is for the scrow they adjust the scrow every time my insurance or taxes when up since XXXX when i was to start over my mortgage loan shellpoint costumer services told me Few mouth I owed them but when O send the proved they keep saying it is another mount but don't even know where or when they told me last time I talk to them every thing was fine but next statement come with late fees and extra charges now. XXXX ir XXXX XXXX XXXX or this company shellpoint want to charge late fee interest and all the charges they made up tha is called fraud
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I am avictimof inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation. This denouncing of themis-reporting/mis-informationaffidavit is to assert my command that you, asregulated, produce physically countersferfederal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation ofINACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence myutilzationof this manipulated Identity Victims Complaint and Affidavit :
Consumer complaint received 2019-12-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (IL)

Incident Description THESE COMPANIES ARE VIOLATING MY NATURAL AND RELIGIOUS RIGHTS BY THE USING OF MY PRIVATE AND PERSONAL IDENTIFYING INFORMATION FOR THEIR USE IN COMMERCE WITHOUT MY CONSENT NOR ARE THEY ABLE TO PRODUCE A CONTRACT TO THE CONTRARY. 

ACTING CEO, CFO XXXX XXXX XXXX XXXX {$7300.00} ACTING CEO, CFO XXXX XXXX {$1200.00} ACTING CEO, MIDLAND CREDIT MANAGEMENT {$1200.00} ACTING CEO XXXX XXXX XXXX {$140000.00} ACTING CEO XXXX XXXX, XXXX.Address : XXXX XXXX XXXX, XXXX XXXX, VA XXXX {$5000.00} ACTING CEO XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX {$5000.00} ACTING CEO XXXX XXXX , XXXX. Address : XXXX XXXX XXXX XXXX, OH XXXX {$5000.00} ACTING CEO XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX {$5000.00} ACTING CEO XXXXAddress : XXXX XXXX   XXXX XXXX XXXX, TX XXXX {$5000.00} ACTING CEO XXXX  XXXX. {$5000.00} ACTING CEO XXXX  XXXX {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX XXXX. {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX XXXX {$5000.00} ACTING CEO XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX {$5000.00}
Consumer complaint received 2024-06-06
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings (TX)

Around XX/XX/XXXX I was surprised after applying for an apartment. The application was denied because IQ data international reported I owe XXXX XXXX  {$1900.00}. 
I contacted IQ data international and was in contact with an agent who was rude and adamant that I owed {$1900.00} and when I explained to him that the charges were wrong because I paid a deposit, he told me that I forfeited my deposit after moving without proper notice. That's when I asked for my account information but never received it. I then contacted the manager at XXXX via email and was told that I did not forfeit my deposit that it was applied and she gave me the information I asked IQ data for. She showed the charges but they added prorated rent for XXXX XXXX XX/XX/XXXX when they shouldn't. She said it was because they did not receive the keys, but I did give it back to them via mail. The office was closed when I left XX/XX/XXXX it was right after XXXX. I had a long journey from Washington to Texas so I left early. I even stated in my move out notice that I'll leave early and know I'll be still obligated to pay the prorated for XXXX XXXX XX/XX/XXXX. 
The manager then said she couldn't do anything with the payment because the account belongs to IQ data international and I'd have to contact them to change the amount. 
I tried reaching XXXX data international by mail requesting my account info and a change of the charges and the certified letter was returned undeliverable. I used the XXXX XXXX XXXX provided on their website. 
I disputed the information several times with XXXX and all they do is update the information and states that the report is in compliance with the fair credit reporting act.
Consumer complaint received 2022-11-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NC)

I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.
Consumer complaint received 2022-06-01
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. (TX)

In accordance with the Fair Credit Reporting act XXXX the Accounts listed below has violated my rights. 

1. XXXX XXXXXXXX  XXXX 2. US Dep ED XXXX 3. US Dep ED XXXX 4. US Dep ED XXXX 5. US Dep ED XXXX 6. US Dep ED XXXX 7. US Dep ED XXXX 8. US Dep ED XXXX 9. US Dep ED XXXX 10. US Dep ED XXXX 11. US Dep ED XXXX 12. US Dep ED XXXX 13. US Dep ED XXXX 14. US DOE / XXXX XXXX 15. US DOE XXXX XXXX XXXX 16XXXX XXXX XXXX  XXXX 17. XXXX XXXX XXXX 18. XXXX XXXX XXXX 19. XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX 22. XXXX XXXX XXXX XXXX XXXX 23. XXXX XXXX XXXX XXXX XXXX 24. XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX 27. XXXX XXXX XXXX XXXX  XXXX 28. XXXX XXXXXXXX XXXX XXXX XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX XXXX  XXXX 31. XXXX XXXX XXXX XXXX 32. XXXX XXXX XXXX XXXX 33. XXXX XXXX XXXX 34. XXXX XXXX XXXX 35. XXXX XXXX XXXX XXXX 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
Consumer complaint received 2020-06-09
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. (VA)

After reviewing my credit report, I noticed items that are listed in the report are a result of identity theft. I mailed in my dispute/request to block these items, but this bureau refuses to block or delete this information despite support documents attached corroborating my dispute. I may have to sue this them if this does not work because I am victim of identity theft and this bureau is refusing to correct my report. They are playing games and I am XXXX about it. See my attached documents.
Consumer complaint received 2019-12-30
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paramount Recovery Systems, L.P. (NV)

I recently filed a identity theft report in XXXX and there is still showing a collect from Paramt Rec ( original creditor : XXXX XXXX  XXXX XXXX for {$710.00}. I included an identity theft affidavit with my report and it needs to be removed immediately due to identity theft.
Consumer complaint received 2019-12-30
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.