davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-04-06
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P. (NV)

XXXX, XXXX, and XXXX  have my previous name stored as XXXX XXXX ; however, my name is XXXX XXXX XXXX. This has allowed for two different collections companies to post inaccurate information on my credit reports, resulting in a credit score decrease.

# 1 XXXX  Only XXXX XXXX for {$3800.00} Actions Taken : They sent multiple letters address to XXXX XXXX prior to adding this to my XXXX  credit report. I've sent them all of the backup information proving this is not my account, yet it has not been removed.

# 2 XXXX   & XXXX  Only Paramount Recovery Systems for {$2800.00} Actions Taken : This account was originally disputed on XX/XX/2019, XXXX XXXX XXXX XXXX in the amount of {$2800.00} under the name XXXX XXXX. On XX/XX/2019, it was removed from all ( 3 ) of my credit reports. Immediately afterward XXXX Hospital instructed another one of their collections companies Paramount Recovery Systems to add a collections account for {$2800.00} to all ( 3 ) of my credit reports. Since then I contacted XXXX, XXXX, and XXXX, only XXXX has removed the Paramount Recovery Systems {$2800.00}. I sent XXXX  and XXXX  all of the backup information proving this is not my account, yet it has not been removed. 

Please help!
Consumer complaint received 2022-12-29
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. (MA)

The following Hard inquiries were not made by me. I do not have any recognition of them nor did i ever attempt to get any services with any of the following companies ; XXXXXXXX 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 2022-06-02
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. (TX)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Consumer complaint received 2024-02-22
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: Experian Information Solutions Inc. (OH)

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that this account which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
Consumer complaint received 2022-06-02
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)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60  days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Consumer complaint received 2021-03-23
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: Experian Information Solutions Inc. (VA)

I had several loans with the US Department of Ed XXXX. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed and there are 4 of them show as closed with the last reported activity of XX/XX/XXXX and XX/XX/XXXX. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxx XXXX Account Number xxxxxx XXXX
Consumer complaint received 2022-06-02
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 XXXX XXXX XXXX Account number XXXX has violated my rights15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 - In accordance with the fair credit reporting XXXX XXXX XXXX XXXX has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 2021-03-23
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: EQUIFAX, INC. (VA)

I had several loans with the US Department of Ed XXXX. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' are over 10 years old and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed and there are 4 of them show as closed with the last reported activity of XX/XX/XXXX and XX/XX/XXXX. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxx XXXX Account Number xxxxxx XXXX
Consumer complaint received 2021-03-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Claim # XXXX XXXX XXXX, Hello my name is XXXX XXXX I am contacting you on the regards of a XXXX transaction. I was scammed out of {$350.00} I can provide any evidence needed to provide to you guys as much as I can that Ive been scammed. I sent {$200.00} to XXXX {$150.00} XXXX  I asked them Why do I have to send it to two different accounts? They same it doesnt matter what account youll get you products regardless, after that they blocked me. Ive contacted my bank, And XXXX, and they told me they cant guarantee my money back and to contact you guys ...
Consumer complaint received 2021-03-23
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. (TX)

My complaint is against equifax and XXXX i have sent in a dispute letter to both bureaus with no response. Then i also sent in a 30 demand to comply and they still havent responded, and by law they need to remove the inaccuracies from my report
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect (IN)

XX/XX/2021 Americollect signed for certified letter sent certified letter requesting them to remove from my credit report due to violating XXXX laws. They continue sending me old bill with my XXXX XXXX. 
XX/XX/2021 Americollect signed for certified letter Americollect representatives continue to call and harass me stating I have to pay them or they will call me til I do.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Neon Newco Corporation (FL)

Back in XXXX, I submitted a request to close my account with Netspend online, which is their requirement. Recently, I received a notice that my statement was available. I no longer have a card with this merchant. I logged into my account online and noticed that the account was still open and has overdraft and debit fees on this account. I have attempted 4x to contact this merchant regarding this account being closed and removing the fees. Each attempt was met with the response of you cant verify your card number or remember your last deposit so we cant assist you. I havent had a card with these people since XXXX and I have not made a deposit since then. They have since removed my access to their website so I am unable to verify the last deposit amount in order to resolve this issue. I have confirmed with them that a deposit is transferred to my savings in the amount of {$25.00} every time a deposit is made in my account. With all of this, they have yet to assist me with this issue. I am currently on hold with no acknowledgement from their customer service department and have been on hold for 2 hours! I just want my account closed and these fees removed! I was a member with this card since 2009 and this has been the most impossible situation to deal with!
Consumer complaint received 2021-03-23
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc. (LA)

I asked for this account to be verified and show proof that this is in fact my debt and show proof of any signatures showing I agreed to pay this debt. This company in turn sent a copy of medical records with no signatures showing I agreed to have my medical records released and this is a direct violation of my HIPPA rights. I am demanding that this be taken care of with the removal of this information to avoid further action.
Consumer complaint received 2021-03-23
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE (OH)

On or about XX/XX/XXXX, I closed on a VA refi. with XXXX XXXX. In XXXX I was sent a mortgage statement from " The Money Source '' showing a Mortgage payment due date of XX/XX/XXXX. Subsequent statements followed for XXXX and XXXX, showing a due date of the XXXX for all months. I recently received a statement for XXXX, that showed a late fee for the XXXX payment, even though it was not due until the XXXX and the XXXX due date showed payment due on XX/XX/XXXX ( XXXX fools joke? ... ..probably not ) I was able to reach a customer service rep who stated late fees can not be reversed, even in the companies error and that all statements showed that payments were to be received by the XXXX even though I have clear evidence showing the due dates of the XXXX. 

In addition, The Money Source requested a payment on XX/XX/XXXX and expects an additional payment on XXXX. 

Is a mortgage company allowed to request more than 1 payment within a 30 day period, without notice or agreement from the mortgagor? And do they have the right to charge a late fee if a payment is not late according to the mortgage statement?
Consumer complaint received 2021-03-23
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: Resurgent Capital Services L.P. (PA)

LVNV Funding LLC placed an account for collections in my name on XX/XX/XXXX. I sent the company 2 written request for them to validate this debt on XX/XX/XXXX and XX/XX/XXXX via USPS Certified mail. I recieved responses from LVNV Funding LLC on XXXX XXXX XXXX XXXX and XXXX XXXX. All XXXX response letters consisted of only billing statements from the supposed original creditor. LVNV Funding LLC never provided me with the necessary proof, such as an original contract with my WRITTEN signature on it to validate this debt. They also failed to meet my requests for proof of licensure to collect within my state, proof that debt collection is within the statute of limitations, as well as Agent 's name and license numbers. I have gone through 3 rounds of validation requests from the 3 major credit bureaus and well as a written complaint to each bureau stating that LVNV Funding LLC has not provided me with sufficient evidence that I'm responsible for this debt. Anyone can simply allege that I owe them money. LVNV has continuously violated my rights as a consumer by reporting inaccurate, invalidated, derogatory remarks on my credit reports and is in violation of the FCRA.
Consumer complaint received 2021-03-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc. (MA)

Back in XX/XX/XXXX. I lost my wallet with my drivers license and credit and debit cards, I reported an unauthorized charge to comenity and they opened a dispute for the charges on XX/XX/XXXX for XXXX in the amount of {$630.00} and XX/XX/XXXX XXXX XXXX in the amount of {$100.00}. They returned the money back to my card and sent a new card to my address on XX/XX/XXXX they added the charges back to my card saying I was responsible for it because according to them I presented my ID when picking up items at the store. Since I lost my entire wallet obviously the person who charged my card also used my drivers license. I requested the case to be reviewed and at the moment the charges are not back to my card and I refuse to pay something I did not authorize. per card agreement I am not liable for charges I did not make
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

XX/XX/2020 was marked as late on my credit report. However in XXXX of XX/XX/XXXX I had called Capital One in regards to be furloughed due to Covid they advised I wouldn't be charged a late fee and I made other arrangements for payment. However come XXXX I was billed a late fee and I had to call and have it credited. They were able to credit the account but still reported my account as late. I have called them several times but was told they are unable to help.
Consumer complaint received 2021-03-23
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC (PA)

In XXXX of XXXX I refinanced my existing Mortgage with Roundpoint Mortgage. Roundpoint was my initial mortgage holder. The bill that was sent to Roundpoint for my homeowners policy was returned to my agent with a letter saying my loan had been paid in full. No new policy was created for the refinance since nothing was changing but my interest rate. I immediately contacted Roundpoint on XX/XX/XXXX to rectify the issue. They contacted my insurance agent for a declaration page and received it the same day, but never made the payment. 
I contacted Roundpoint on XX/XX/XXXX, and the same thing happened. My agent provided them with the same declaration page and billing info, but still no payment was made. I called them again on XX/XX/XXXX, and they were provided the declaration page again along with the billing. Because the premium was due XX/XX/XXXX, I asked for a callback and was promised one Monday XX/XX/XXXX. After no callback, I called in again on the XXXX, and provided the declaration page and billing info once again! XXXX from customer care called me today- XXXX to confirm they finally received the billing and was mailing the payment regular mail. When I asked them to overnight the check, he refused- saying hopefully the payment will make it to XXXX XXXX in time for my 30 day grace. When I asked to speak to his manager, he said none was available.
Consumer complaint received 2019-12-18
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: EQUIFAX, INC. (NY)

AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.
Consumer complaint received 2021-03-23
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: Nelnet, Inc. (VA)

I had several loans with the Department of Ed/Nelnet. I was paying them and then consolidated them into one total amount with XXXX XXXX XXXX. These loans while showing " Paid as agreed, '' they are over XXXX XXXX XXXX and should NOT be reporting on my credit report. In addition it's a case of " double jeopardy '' where I have the same loans and same amounts reporting multiple times from multiple loan servers. All of the loans that I had with Department of Ed/Nelnet and there are about 8 of them show as closed with the last reported activity and payment of XX/XX/2013. That is well over the statute of limitations. 

The account numbers are as follows : Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX Account Number xxxxxxxxxxx XXXX I would like these accounts removed from my credit report immediately.
Consumer complaint received 2021-03-23
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. (SC)

On XX/XX/XXXX I received a bill for XXXX. On XX/XX/XXXX I sent a letter via certified mail that requested this debt be validated along with a cease and desist of all communication. Along with a invoice for violations of 15 USC 1692b ( 5 ), 15 USC 1692 f ( 8 ) and 15 USC 1692 d. On XX/XX/XXXX I received another phone call from this company.