davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2023-02-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Prince Parker & Associates (CA)

The issue related to this fraudulent debt claim is a direct result of XXXX XXXX XXXX billing us for services after we had already terminated our service within the XXXX grace period after signing up on XX/XX/XXXX. We only had the service for XXXX, yet XXXX & XXXX still attempted to bill for services we did not receive because our account had been terminated. 

We spent countless hours and trips to the local XXXX XXXX XXXX store attempting to resolve the issue until finally he we were able to get the issue resolved with the local XXXX XXXX. XXXX XXXX XXXX issued a credit adjustment to the account, and we paid the remaining final balance the same day in the store on XX/XX/XXXX. See attached Exhibit 3. Prince Parkers Debt Collection Letter was preemptive and unwarranted. Enclosed with this letter are copies of supporting documents that the debt was pending resolution with XXXX XXXX XXXX and has since been resolved. 

Supporting Documents : Exhibit XXXX : XXXX XXXX XXXX Final Bill Disputed in Store ( XX/XX/XXXX XXXX ) Exhibit XXXX : Prince Parker Debt Collection Letter ( XX/XX/XXXX ) Exhibit XXXX : XXXX XXXX XXXX Adjustment Made and Payment Paid in Store ( XX/XX/XXXX ) Exhibit XXXX : XXXX XXXX XXXX  Final Adjusted Bill Sent ( XX/XX/XXXX ) Exhibit XXXX : XXXX XXXX XXXX  Final Letter After Payment Made ( XX/XX/XXXX ) XXXX XXXX XXXX made a credit adjustment of {$270.00}, which was issued on the account. Afterwards, XXXX XXXX XXXX paid the remaining difference of {$150.00}. The account is now deemed paid-in-full effective XX/XX/XXXX. We request that Prince Parker cease all debt collection activities for this account because it would be deemed unlawful to proceed further. 

We also request that Prince Parker and XXXX XXXX XXXX do not report any negative credit claims against XXXX XXXX XXXX to any Credit Bureau since this issue was resolved back in XXXX XXXX days after Prince Parker sent the Debt Collection Notice and that letter was preemptive and unnecessary. 

We received a debt collection call on XX/XX/XXXX after sending a dispute letter to Prince Parker. We informed them that the debt was not owed and sent email communication to their customer service email with electronic copies of the dispute letter with all exhibits. We recently received another Debt Collection Letter dated XX/XX/XXXX of XXXX from Prince Parker even after we spoke to them and told them the debt was not owed and sent email confirmation to confirm with evidence. 

We want the debt collection to stop and to not have negative reporting to the company 's credit report due to their fraudulent behavior.
Consumer complaint received 2023-02-17
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)

XXXX XXXX agreed to remove the 5 late payments during the middle of the pandemic as I ( family ) lost income and child care during that time XX/XX/2020 thru XX/XX/2020 but they still show up on report.
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

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.

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 2023-02-16
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (AL)

On XX/XX/XXXX, I used my Paypal Credit account to purchase a XXXX Language Course thru XXXX. I got sick and went into the hospital and was never able to use the service. I never activated or downloaded the course. As I ordered it less than a week ago, I called and emailed XXXX XXXX XXXX XXXX XXXX to cancel my subscription, and to refund the charge back to my Paypal Credit account. On XX/XX/XXXX. I received correspondence that the seller agreed to issue a refund. On XX/XX/XXXX, I was told by Paypal Credit customer service rep that they decided not to. That I would have to file another dispute through the Resolution Center of Paypal asking for a refund. Also, while I was waiting for my refund my billing statement came, and there was a {$41.00} late fee attached to my account. This is an enormous amount to charge a Consumer who has a dispute on their account, likewise, I paid more than the minimum that was due, only to be told that the {$41.00} was added because I was three days late. My billing period ends on the XXXX It was due on the XXXX and I paid on the XXXX of the month. Creditor should not be charging these outrageous late fee amounts to make the Consumer more in debt to the Creditor.
Consumer complaint received 2023-02-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: U.S. BANCORP (SC)

I opened a secured credit card with US Bank. I'm currently fighting an aggressive XXXX XXXX and have been unable to work due to the side effects of the XXXX so I can no longer pay on credit card. I have not missed any payment nor have I ever been late on any payments. I called US Bank to close the account and they told me that it would take ninety days before they can close the account. Which meant they needed 3 additional payments on the account. I really don't understand this. If they were closing the account and it was secured I wouldn't have to make a payment at all. I am in a situation where I'm need the money to make my co-payments for XXXX. I need to know why I have to make ( 3 ) additional payments on an account that I requested to be closed? It's a secured account that closed so no transactions will be approved. I think it's just the bank 's way of ripping people off for an additional ( 3 ) payments.
Consumer complaint received 2023-03-01
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (OH)

I was scammed through XXXX and Zelle and essentially am being refused my money back. I filled out an online loan form, with my bank account information. I was contacted by a loan company who then said I was approved and deposited money into my account. They immediately started threatening me that I would go to jail if I didnt send it back immediately, I was terrified so I sent it back how they told me to, through Zelle XXXX The money they sent me dissapeared from my account. I would never willingly send scammers my own money, Im not an XXXX. They also disputed charges while being in my account. I understand the type of transaction zelle is and how it is impossible to get a refund on transactions but I dont understand when the person who received my money has a connected bank account through Zelle and it should be easily traced and be able to be returned considering they scammed me out of my money. I am a single mom and this will literally make or break me.
Consumer complaint received 2019-09-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc. (AZ)

The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. 

Account Name Original Creditor Common wealth financial XXXX XXXX XXXX ( XXXX, XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX / Formally known as XXXX XXXX ( XXXX/XXXX ) XXXX XXXX ( XXXX ) XXXX ** XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX )
Consumer complaint received 2024-03-11
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review
Consumer complaint received 2022-11-11
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. (VA)

XX/XX/2017, I became a victim of a XXXX XXXX because of this I am in jeopardy of identity theft. I am currently taking some action to protect my credit by adding a fraud alert to my credit report. This is a highly stressful situation that I am unsure of how to deal with. Equifax did not send me any information stating I had been breach
Consumer complaint received 2019-11-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Refuses to provide me the original creditor 's information, which supports that XXXX XXXX has reaged the account to keep on credit reports. The time clock on the date the account FIRST went delinquent can not change no matter how many times a charged-off debt is purchased, transferred or sold to collection agency. Basically, the purge from date NEVER changes. The charged-off account can bounce from collection agency to collection agency but according to the FCRA, the debt can only be reported for 7 years from the date of first delinquency ( DOFD ). I am requesting the original creditor 's information again which I am entitled. It will validate when the accounts were opened and the payment history. I have never paid anything on the accounts because I have been XXXX over 10 years. The accounts are obsolete and if XXXX does not delete the obsolete accounts that they have reaged, I will be forced to retain legal representation against XXXX. Transunion and XXXX  are not requesting the original creditor 's info which supports the accounts are obsolete. I have requested a validation letter from both on numerous occasions and they have ignored and refused. After this. it will be an intent to sue. The credit bureaus has the authority to delete obsolete information ; however they are refusing to conduct a thorough investigation. They constantly send a generic response saying valid which is not true
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

On XX/XX/2021 I checked my credit profile. All inquiries were deleted. Today XXXX XX/XX/2021 I logged into my account, my score went down due to inquiries.
Consumer complaint received 2019-09-10
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

I received a letter in the mail from NCC Business Services for a debt that is not mine for XXXX Apartments. I currently still reside in XXXX apartments and have never been made aware of any debts owed. Upon further research, I also found that NCC Business Services has no license to collect debts in Florida, and no business registration. XXXX apartments relinquished ownership of the debt when they " sold '' to to XXXXCC Business Services. According to Federal law, as soon as an account is sold and transferred, the original creditor can not collect on the debt as their rights to the debt has no validity.
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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. (MO)

Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (CA)

Amazon Store Card thru Synchrony Bank ending in XXXX. Card received XX/XX/XXXX. Created online account and fully completed AUTOPAY so that full balance is paid each month using ACH to a bank. 

Billed XX/XX/XXXX for {$200.00}, went unpaid. Follow on bill included {$29.00} late fee plus interest. 

I believe, based on prior experience, that this is a billing tactic to increase revenue while defrauding new customers. Their database deliberately loses autopayment information. I experienced this before with XXXX  XXXX XXXX also. 

Full amount due paid XXXX XXXX and account will be closed when the payments are cycled out.
Consumer complaint received 2021-12-27
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION (TN)

We previously filed a complaint with CFPB regarding erroneous Closing Disclosures we received from Amerisave Mortgage. This finally prompted Amerisave to correct the CDs. However, we continued to experience many other mistaken communications and documents from them including their failure to monitor receipt of documents, ie appraisal report. Finally, we decided we had enough and withdrew our loan application on XX/XX/XXXX and spoke to Customer Service to confirm this and to obtain the return of our application fee. The fee was returned. However, thereafter we received from Amerisave a Notice of Termination that INCORRECTLY listed the reason for termination was Lack of Cash Reserves instead of the correct response of Application Withdrawn by Borrower. 
By email dated XX/XX/21 to XXXX XXXX XXXX of Amerisave we requested that the Notice be corrected. Subsequently, XXXX XXXX called us later that day and offered to assign a new loan team and to get to the bottom of the missing appraisal report promptly. We never heard back from him the next week despite sending him several emails so by email dated XX/XX/XXXX we advised that we wanted nothing further to do with Amerisave. We requested the prompt receipt of a corrected Notice of Termination. We still have not received it. Attached is the notice in question. If emails are needed, I can furnish them also.
Consumer complaint received 2021-12-27
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Google Compare Credit Cards Inc. (MD)

Called XXXX  trying to transfer two google play gift card worth {$200.00}. The the rep said that I need to buy another {$1000.00} in order to complete the transfer. Then I realized it is a scam and ask the rep to refund the transfer, then they immediately disconnect the call. The phone number was XXXX. I am a victim of the scam please help. Called google play but customer rep wont help me.
Consumer complaint received 2017-12-06
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Midwest Recovery Systems (FL)

I received an alert of my credit being negatively impacted by an entry made by XXXX XXXX XXXX in the amount of {$1400.00} on XXXX XXXX. I have NEVER received anything in writing from this company to show that I owe them nor have I received any notice showing that I have the right to dispute. When I looked up this company in your database, a suggested name came up of Midwest Recovery Systems. Once again, I have NEVER received ANY letter from said company either. 

Furthermore, I do n't have any contracts with XXXX XXXX XXXX nor Midwest Recovery Systems nor XXXX XXXX XXXX XXXXXXXX. 

It is not now, nor has it ever been my intention to avoid paying any obligation that I lawfully owe.
Consumer complaint received 2019-07-26
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: American Financial Resources, Inc. (NJ)

I was approved for a loan modification with three trial payments. The fourth payment would be my 1st payment of modification which began in XXXX. My payment for XXXX I attempted to make XX/XX/XXXX, but my bank did not honor it so it was returned ; no fault of the mortgage company. I made another payment XXXX XXXX/XXXX which was accepted. I then receive a telephone call from representative XXXX on XX/XX/XXXX to advise that because of the bounced payment I would have to reapply for loan modification. I asked her why she said because the condition of the " trial '' is that I do not miss a payment. I then went on to confirm payment was made and honored with my bank and that as of XXXX I am no longer in " trial '' as now this is it. She said that there is nothing that can be done except me submitting my paperwork all over again to Loss Mitigation in order to prevent it from going to the attorney for foreclosure. I complied via fax and email, but then after reviewing my modification paperwork there was nothing in the correspondence to this effect. As my trial payment was over and now my initial payments began in XXXX so therefore, this should no apply to me. She then went to a " lead '' for confirmation and they confirmed that I was in " trial '' and could not miss a payment. I again became confused because my payment was honored and the representative who took payment failed to provide me with any of this information. Also, the XXXX payment portal is not working as it does not reflect the loan modification. I feel like they are doing everything in their powers to foreclose on my home, when I am doing everything necessary to stay in it. I am a single mother working extremely hard to provide for my family. Granted you are not responsible for the life situations that occur, but since then I have pulled myself up gained new employment and doing everything in my power to make sure I resolve this issue to ensure me or my family aren't faced with this dilemma again. This is extremely stressful, I am losing sleep over this and not eating.
Consumer complaint received 2021-12-27
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: Experian Information Solutions Inc. (SC)

I have reached out to several financial institutions who have told me they are unable to identify reasons for credit inquiries however they also advise me that only the credit bureaus can remove the inquiries. As follow up I have disputed the inquiries with the credit bureaus with no success in having the unknown inquiries removed.
Consumer complaint received 2021-12-27
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: EQUIFAX, INC. (SC)

I have reached out to several financial institutions who have told me they are unable to identify reasons for credit inquiries however they also advise me that only the credit bureaus can remove the inquiries. As follow up I have disputed the inquiries with the credit bureaus with no success in having the unknown inquiries removed.
Consumer complaint received 2021-12-27
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. (LA)

I placed a fraud alert on my credit reports around XX/XX/2021. I reached out to Transunion Customer Service to file disputes on transaction I didnt recognize. After being aware of the their data breach some months ago.
Consumer complaint received 2021-12-27
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. (SC)

I have reached out to several financial institutions who have told me they are unable to identify reasons for credit inquiries however they also advise me that only the credit bureaus can remove the inquiries. As follow up I have disputed the inquiries with the credit bureaus with no success in having the unknown inquiries removed.
Consumer complaint received 2021-12-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (PA)

The agency has never received consent from me to have my information. According to the Fair Credit Reporting Act, a permissible use is written consent and directions from me as the owner of the consumer report. I am instructing your consumer reporting agencies to remove address XXXX XXXX XXXX, XXXX, PA XXXX.