davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-06-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ascendium Education Group (TN)

I XXXX XXXX, the consumer sent an Affidavit of Truth to Ascendium Ed Solutions on XX/XX/2021, to validate an alleged obligation. I have no knowledge of it and never received notice. Ascendium Ed Solutions never acknowledged nor responded to me. I need this removed immediately due to FDCPA and FCRA violations ... debt has not been verified or validated. please remove at once. Strict violation of 15 USC 1692g. REMOVE AT ONCE.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX
Consumer complaint received 2021-06-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO. (NY)

On XXXX XXXX I closed my Chase Amazon charge because of personal reasons. I requested a letter or email from Chase stating my account was paid in full and I left in good standing. The reason for this is in case one of the credit reporting companies gives me a negative score from closing the account. Also in case Chase sends a report that is incorrect. I asked the Chase rep with whom I immediately explained why i requested such letter. Also that Ive had issues with credit reporting companies before. She told me NO. Before I could ask further she hung up. If a customer leaves a credit card company in good standing why cant the company issue a letter 3 weeks later after the account is proofed out and there is nothing negative at the customer 's request otherwise nothing. A customer should have the right to know what companies write about them and not months later when applying for a loan and something stupid shows up and the person is blind sided.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC. (NC)

Original Card with XXXX XXXX. 
Perfect payment record until I was victim of business fraud. 
I missed about 7 payments in a row and my debt was given to XXXX XXXX who contacted me. After describing my situation an agreement was made to make {$50.00} payments monthly until debt on card was paid with no interest added. We set up an automatic draft and the {$50.00} payments came out each month as agreed for a full year. 
When the automatic drafts stopped I assumed the debt was paid. The last payment came out in XXXX of XXXX. 
In mid XXXX of XXXX my credit score suddenly DROPPED by over 20 points and when a " collections '' account was added under the name of Midland Funding. When I researched I found it to be the same XXXX XXXX Account! I've called almost daily. I've written letters. I've spoken with people who all agree that I had an agreement with XXXX XXXX and that THEY stopped taking out the payments and that Midland is an umbrella company for XXXX XXXX. NO ONE has given me an explanation for what they have done. It has ruined my progress for repairing my credit after a horrible fraud situation and they are NOT fixing the situation. They say I owe {$1400.00} and can pay them in full now ... or in 2 payments. No explanation of what has been done with the {$50.00} payments I've been making or how they just threw away the agreement - and reported me as in collections with no explanation, letter, phone call, etc. The original agreement is attached.
Consumer complaint received 2021-06-17
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (TX)

Transworld System Inc is reporting a debt from XXXX XXXX with a date of first delinquincy of XX/XX/2020. I have not even lived in NY for atleast 6 months prior to that. They are reporting this inaccurately and do not have the actual date of delinquincy. This should be removed from my credit reports since they are unable to provide accurate information regarding the date of first delinquincy.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (SC)

Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-03-26
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation (CA)

One main financial has very aggressive tactics to collect loan payment. Even if a payment has been scheduled, they will call and harrass you non stop until the scheduled payment posts. 

On XX/XX/22 I found XXXX missed calls from XXXX. Most were after XXXX PM and in very quick succession. 
( EST time ) XXXX PM XXXX PM XXXX PM XXXX PM XXXX PM XXXX PM XXXX PM
Consumer complaint received 2020-03-18
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. (SC)

XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-06-17
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: BARCLAYS BANK DELAWARE (FL)

On XX/XX/2020 I paid an XXXX condo fee for the next 6 months, at the condo office, with a credit card, received my receipt and thought no more about it. About 30 days later, the condo office called me to say my credit card had reversed the charge and I needed to repay it. I contacted my credit card company and they said they did no such thing. The payment was never credited back to my account, and I have all statements from that date forward. I assumed this was a banking error and forwarded several months of my credit card statements to XXXX office so they could see I never rec 'd my money back on my credit card. I finally asked for an official dispute of the charge so Barclays could investigate and they said that since 2 months had already gone by since the transaction, they would not investigate. Then I tried with the bank administering the account for the condo association. They traced my money to XXXX XXXX XXXX but they won't cooperate with either me or the XXXX 's bank ( XXXX XXXX ). I don't understand how my funds could be withdrawn from an account without my permission and sent to a bank I have no connection with. My credit card is XXXX XXXX AAdvantage administered by Barclays Bank. XXXX XXXX is bank for XXXX XXXX and XXXX XXXX bank now has my funds. This has been going on for almost a year. Please HELP.
Consumer complaint received 2020-03-18
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2020-03-18
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. (AR)

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts.
Consumer complaint received 2024-01-23
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ID Analytics, Inc. (OH)

XXXX XXXX XXXX XXXX XXXX Listed and incorrect account balance incorrect dates. The account is listed as open when they account is indeed close and the account is also listed as a charge off. 
This account is paid in full. See supporting documents.
Consumer complaint received 2020-03-18
Product: Mortgage — Other type of mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Rhode Island Housing and Mortgage Finance Corporation (RI)

Back in XX/XX/XXXX, my account, which is shared with my husband, had one last payment on a zero APR promissory note provided by RI Housing. The account was set up to draw out {$95.00} a month for autopay from my checking account. There was a {$25.00} balance left on the account, which the {$95.00} would have covered the last payment. Due to the last payment, RIHousing turned off the autopay and did not make us aware of this fact. We received our past due statement after the due date of the following month. 

It two months and numerous calls for them to figure out that it was their fault and me threatening to contact the CFPB. They stated they would fix our credit reporting and could only accept check due to their bank error. 

They fixed two of the three major bureaus ( not sure about the 4th one, because we are unable to see that in our annual free credit report ). We are showing a 30 day past due on XXXX   reporting. We need this to be fixed. 

I contacted them again on XX/XX/XXXX, because I was made aware that we have a derogatory mark from them. This has been effecting our credit this whole year and it was their fault, which they agreed and stated would correct, and now knowing has given us lower scores and higher rates. I called again on XX/XX/XXXX, and was told that they are closed to the end of the month, except for one guy and the receptionist. I left another message for XXXX XXXX. 

This needs to be fixed by them and asap. This should have been taken care of a year ago. There is no reason why they shouldn't have fixed all three credit bureaus and is unacceptable.
Consumer complaint received 2020-03-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS) (NY)

I submitted request for Consumer Disclosure Report three times. 
First timeXX/XX/2020 by mail and on XX/XX/2020 online and XX/XX/2020 by fax. 
I have never received any report showing any negative accounts information or letter stating that I was removed from ChexSystem.They do not have a live person line and I facing the wall at this point.
Consumer complaint received 2020-03-18
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. (TX)

I am a VICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2024-04-23
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: King of Credit Financial, Inc (IL)

On XX/XX/XXXX I rented a car from Dollar Car Rental in XXXX XXXX. I turned down the supplemental liability insurance offered to me at the counter in XXXX. After returning the car I found that they had billed me for the insurance anyway, in the amount of {$110.00}. After several unsuccessful attempts to resolve this with Dollar customer service, I disputed the charge with my credit card company ( XXXXXXXX XXXX ). On XX/XX/XXXX I received a letter from XXXXXXXX XXXX advising me that they had successfully resolved the disputed amount in my favor. They advised me that the amount of {$110.00} was permanently removed from my account/billing statement. Despite this, I continued to receive bills from Dollar in the amount of {$110.00}. I tried three times to explain this to Dollar customer service but was unsuccessful. I wrote a letter to Dollar ( actually XXXX XXXX who owns Dollar ) explaining the problem but never received a response. On XX/XX/XXXX I received a letter from Dollar suspending my rental privileges. On XX/XX/XXXX and again on XXXX/XXXX I received emails from XXXX XXXX, a debt collector, explaining that they were attempting to collect the {$110.00} on behalf of Dollar Car Rental. As requested I contacted XXXX and explained that the disputed amount had been resolved in my favor. They requested and I provided them the resolution letter from XXXX Bank. About the same time I filed a complaint against Dollar with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX contacted Dollar three times attempting to resolve the issue but could not and today ( XX/XX/XXXX ) XXXX  advised me they could no longer help and were closing the complaint. I have called XXXX twice in the last month requesting an update and they advised me that they too were having problems contacting Dollar to discuss. 
So, last XXXX someone at Dollar agreed with my CC company ( XXXX ) that a mistake was made and I was no longer responsible for the {$110.00}. Apparently someone at Dollar didnt pass the word to their billing department and now the issue is with a debt collection company. By the way, the remainder of the rental bill ( approx {$260.00} ) was paid in full to Dollar. They disputed amount was only for supplemental insurance coverage which was never used. Today, I no longer have rental privileges with Dollar, XXXX and XXXX car rental. More importantly I am concerned that my credit rating may be effected.