davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-31
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners (FL)

On XX/XX/2020, at approximately, XXXX, I received a return phone call from, XXXX XXXX , Chief Compliance Officer, current creditor for Pendrick Capital Partners , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX. My goal was to get the correct contact information of Mr XXXX 's agencey. He brought to my attention an issue that led me to filing this complaint. 



Initially, he stated that he listened to all of the phone calls at his agency along with the Debt collector phone calls and stated that they all identified themselves and stated what company they were calling from however l brought to his attention that that was not true and encouraged him to go back and listen to the phone call made on XX/XX/2020 at XXXX XXXX, where the representative did not identify what company he was calling from or who he was calling on behalf of and was very rude and nasty and even went so far as to say when asked, " what company are you calling from? '' he stated " Never mind what company I'm calling from, is this XXXX XXXX!!!!! '' which is attached to this complaint. I did inform Mr. XXXX that I'll be more than happy to accept his apology after hes listen to the recording.

The concerns I raise are Abusive and/or Unfair Practices violate the FDCPA : Calling or contacting you without disclosing that they are debt collectors trying to collect a debt
Consumer complaint received 2020-03-31
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC (NH)

I was on vacation with the family in the greater XXXX area. We wanted to attend a XXXX game, so we searched XXXX for tickets and were brought to a XXXX  ad for someone who had tickets. We contacted this person by cell phone and were told the tickets were still available. I offered to pay through XXXX, which ive done plenty of times before. He said he had recent problems with XXXX and preffered to be paid on the Zelle app. I XXXX  Zelle and saw that it was an app that was created by some of the largest banks in the country. It seemed legit to me, as Zelle advertises as a safe and better way to pay online. I sent the man {$300.00} for tickets and headed into the city. At that point, the seller abruptly stopped communicating and we were stuck in the city with no tickets and a {$300.00} loss. I immediately contacted my bank and Zelle customer service. My bank said we would have to address it with Zelle. At zelle, we spoke to a foreign operator who said there was nothing i can do. What kind of crooked business is this? I provided Zelle with the names and numbers associated with the transaction, but they did nothing.
Consumer complaint received 2020-03-31
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. (NY)

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX XXXX and they replied they will remove the charge from my account therefore no lateness should be on my report. 
Please remove Lateness from my credit report as soon as you can. 

I uploaded all information like Dl, SSN and statement from XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX promised.
Consumer complaint received 2020-03-31
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. (NY)

I would like to begin this letter by thanking your company for the many years of great service I have experienced as a consumer. I have been a very loyal consumer of yours for many years and I am in need of your assistance. 
I recently reviewed my credit report from the credit beureus. Unfortunately, I saw that you have recently began reporting lateness. When i started investigate, there was a fraudelant charge on my statement I called to fraud department to XXXX XXXX and they replied they will remove the charge from my account therefore no lateness should be on my report. 
Please remove Lateness from my credit report as soon as you can. 

I uploaded all information like Dl, SSN and statement from XXXX I am requesting to remove this lateness from all 3 bureaus as soon as XXXX promised.
Consumer complaint received 2020-03-31
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: Bread Financial Holdings, Inc. (NY)

I checked my credit report and noticed the following inquiries that I never authorized : XXXX XXXX  Dba XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX
Consumer complaint received 2020-03-31
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (VA)

I made my payments to Capital One up until my card was compromised 2015, in which I reported to them & requested my card to be closed. However, they did not & instead charged me numerous late fees & then reported me for collections. This was my first ever credit card & it truely ruined things for me, I have disputed this many times throughout the years with no luck. I am trying to rebuild & establish a relationship with creditors but my collections account is getting in the way.
Consumer complaint received 2018-03-15
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: ERC (OH)

Account from XXXX from XX/XX/XXXXkeeps being re-aged by debt collectors. I have disputed multiple times over the last few years. The most recent collector has re-aged it for the date of XX/XX/XXXX!!
Consumer complaint received 2019-12-18
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: 4finance US Holding Company, Inc. (UT)

I took out an {$800.00} loan with Zaplo loans. On XX/XX/XXXX I received a better interest loan from my credit union. I  contacted Zaplo, XXXX XXXX and requested a statement, since that is what my credit union required to pay off the loan. They needed the amount, the account number, and address to send the payoff check to. She said we don't have statements, which is odd. Even payday loans have statements. So I requested my loan agreement from her. She sent me a lousy spreadsheet with the amounts I would owe for the rest of the loan and what the payoff amount would be on XXXX  ten days from that date. It had the loan number in it and their address. So it was workable, we thought. The checks for my car payoff, another loan and Zaplo we're all sent on XX/XX/XXXX. May car received the check and paid off my loan on XX/XX/XXXX, my other loan for XXXX received payment and paid off my loan on XX/XX/XXXX. I have tried to contact their collections department, XXXX and their customer service department via email many times ( 10 at least ). The WILL not respond. They have not paid off my loan. The only response I received was from one rep who said they had changed my account to non-ach but I need to continue to make my payments or I will be charged late fees and interest. I tried to contact her back but she wouldn't respond!! I am at my wit 's end!! They have the check but will not credit it to my account. I refuse to pay two loans. One to my credit union and one to them!! Help?! 

XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-03-31
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. (IL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON CREDIT BUT TO MY SURPRISE NONE OF THE ACCOUNTS BELONGED TO ME. I HAVE NEVER OPENED THOSE ACCOUNTS AND I HAVE NO IDEA HOW THEY GOT ON MY CREDIT. BECAUSE OF THESE ACCOUNTS MY CREDIT IS NOT WHERE I HAVE WORKED SO HARD FOR IT TO BE. I DO NOT WANT TO BELIEVE THE FACT THAT MY IDENTITY HAVE BEEN STOLEN BUT IT IS VERY OBVIOUS THAT THIS IS THE CASE. I HAVE ALWAYS TRIED MY BEST TO MAINTAIN GOOD CREDIT STANDARDS. IT IS VERY UNFORTUNATE THAT I HAVE TO GO THROUGH THIS SO MY REQUEST IS THAT YOU RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-03-31
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. (IL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON CREDIT BUT TO MY SURPRISE NONE OF THE ACCOUNTS BELONGED TO ME. I HAVE NEVER OPENED THOSE ACCOUNTS AND I HAVE NO IDEA HOW THEY GOT ON MY CREDIT. BECAUSE OF THESE ACCOUNTS MY CREDIT IS NOT WHERE I HAVE WORKED SO HARD FOR IT TO BE. I DO NOT WANT TO BELIEVE THE FACT THAT MY IDENTITY HAVE BEEN STOLEN BUT IT IS VERY OBVIOUS THAT THIS IS THE CASE. I HAVE ALWAYS TRIED MY BEST TO MAINTAIN GOOD CREDIT STANDARDS. IT IS VERY UNFORTUNATE THAT I HAVE TO GO THROUGH THIS SO MY REQUEST IS THAT YOU RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED FROM MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2020-03-31
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: TRUIST FINANCIAL CORPORATION (NY)

I checked my credit report and noticed the following inquiries that I never authorized : XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX/XXXX  Inquiry from XX/XX/XXXX + XXXX/XXXX   Inquiry from XX/XX/XXXX
Consumer complaint received 2022-12-29
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: FISERV INC. (FL)

MY NAME IS XXXX XXXX MY BUSINESS NAME IS XXXX XXXX MERCHANT NUMBER, XXXX XXXX I CONTACTED MULTIPLE TIMES WITH THE XXXX COMPANY TO GET MY MONEY BACK. THEY GIVE ME A FINAL SOLUTION TO GET MY MONEY BACK. THE CLIENTS, AND THEY DID NOT WANT TO DO IT, I ASKED THAT THEY SEND ME A CHECK WITH THE FUNDS ALSO THEY DID NOT SEND IT TO ME, THEY TOLD ME THAT I HAD TO WAIT UNTIL 2 MONTHS TO RELEASE THE FUNDS TIME PASSED AND I HAVE WAITING FOR MORE THAN 7 MONTHS AND I DID NOT THEY GIVE POSITIVE ANSWERS, I ASKED THEM IF THEIR INTENT IS TO WANT TO STEAL THE MONEY, THEY DID NOT GIVE ME AN ANSWER, I NEED TO KNOW WHEN THEY WILL GIVE ME THE MONEY, AND TRIED TO WAIT CALMLY BUT I HAVE NO POSITIVE ANSWERS, IT IS NOT NECESSARY TO LOOK FOR A LAWYER AND SUE THE COMPANY FOR FRAUD BEFORE A JUDGE, SINCE WHAT THEY HAVE LET ME KNOW IS THAT THEY DO NOT HAVE THE INTENTION OF SENDING ME THE FUNDS TO MY POSTAL ADDRESS, NOR MAKE A REFUND TO CUSTOMERS,,
Consumer complaint received 2020-04-10
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION (OH)

I have made some payments but have stopped due to loss of pay. They must have looked me up on XXXX or other social media and have started calling my family members and friends and giving them information about my debt. I never gave them phone numbers of my friends or family nor have I gave them permission to call them and tell them I owe this company anything. That is a violation of my rights
Consumer complaint received 2020-04-10
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: SYNCHRONY FINANCIAL (MN)

On XX/XX/2020, Syncb. XXXX, FL, XXXX made a hard inquiry on my credit. I did not apply for any credits or credit cards for over a year. It is an identity theft.
Consumer complaint received 2020-04-10
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: EQUIFAX, INC. ()

I did receive responses to my complaint # XXXX from Equifax, that is why I am duplicating my initial complaint. 

Good morning, I have started seeing that my credit report right now is full of hard inquiries which have not been by me, moreover, I have not been living in United States for 5 years, i dont know who is using my information but i would like to delete hard inquiries and one collection account which does not belong to me 1 ) XXXX XXXX Reported : XXXX XXXX, XXXX, $ XXXX Closed 2 ) XXXX XXXX XXXX  XXXX XXXXInquiry : XXXX XXXX, XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX-Inquiry : XXXX XXXX, XXXX 4 ) XXXX XXXX - XXXX -Inquiry : XXXX XXXX, XXXX 5 ) XXXX XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX 6 ) XXXX XXXX - D-Inquiry : XXXX. XXXX, XXXX 7 ) XXXX XXXX XXXX-Inquiry : XXXX. XXXX, XXXX 8 ) XXXX XXXX, XXXX-Inquiry : XXXX. XXXX, XXXX 9 ) XXXX XXXX- Inquiry : XX/XX/XXXX 10 ) XXXX XXXX- Inquiry : XXXX. XXXX, XXXX 11 ) XXXX XXXX, XXXX Inquiry : XXXX XXXX, XXXX 12 ) XXXX- Inquiry : XXXX. XXXX, XXXX 13 ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX 14 ) XXXX- Inquiry : XXXX XXXX, XXXX 15 ) XXXX XXXX XXXX XXXX- Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2020-04-10
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I disputed some accounts on my credit report in XXXX. My social security number was breached and used by someone. Several months after this report, my husband and I decided to purchase a new home build. When we started the loan process we were told I still had accounts in dispute. This was more than 60 days after I requested the disputes. So, not only did Transunion not remove the disputes, they didn't do them in the 30-45 day window. In XXXX of XXXX my husband and I at the direction and help of our lender began requesting all disputes be removed from our report so we could close on our home in late XX/XX/XXXX. All other credit reporting agencies removed the disputed except Transunion. We have attempted almost every day to contact them via email, social media and by phone. We have received no word that they have removed the disputes. Aren't there federal laws guiding this kind of behavior?!! We are now 2 weeks past closing on our newly built home, and 100 % because Transunion has STILL failed to remove the disputes!! The state of the country today is NOT an excuse!! You have gone far over the allotted time as well as failed to follow through on the proper requests!!! Get the disputes off my record!! Do it now!!! My husband and I are XXXX  and don't have time to fight with this XXXX everyday! Do your job!
Consumer complaint received 2023-01-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXXXXXX XXXX XXXXXXXX Balance : {$5100.00}
Consumer complaint received 2020-04-10
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (NY)

My wife 's employer wanted to send her {$1000.00} dollars while she stayed home during the coronavirus. I had my wife tell him about Venmo, which I had used to send a music teacher {$60.00} twice with no problem. On XX/XX/2020 at XXXX XXXX I got the first email from Venmo ( attachment {$1.00} ) saying my sender had sent me {$1.00}. 

I clicked to accept the {$1.00}. 

At XXXX XXXX   the same day XX/XX/XXXX I got the next email from Venmo ( attachment {$1000.00} ) : I clicked to accept payment. 

Note that the Subject line says the sender " paid you '' not " is thinking about paying you '' or " would like to pay you '' -- no. " Paid you. '' So I click to accept payment and lo and behold the {$1.00} is in my Venmo account, but the {$1000.00} isn't. I wait a day or two, try several more times and finally complain on their website. 

I receive this response : " Hi XXXX, XXXX from Venmo here and I'd be happy to take a look into that for you! 

I am not able to locate this payment and can confirm it was not successfully sent to your account. I would recommend contacting your friend to have them re-send the payment or have your friend reach out to us directly. 

Similarly, you can send them a charge request and give them a heads up that you never received the funds. If they are able to successfully accept the charge request, the funds will be put right onto your Venmo account. 

For more information about how to pay or charge a Venmo user, we recommend checking out this article : XXXX XXXX XXXX  '' I do not want to contact my " friend '' who I have never met, I don't want to reveal to him that I have invited him to entrust his banking information to people who seem to have misplaced his {$1000.00}. This is highly unprofessional on Venmo 's part. I'm supposed to go looking for the money? I'm supposed to ask the sender to " resend the payment ''? He will rightfully fear that he will be double billed. 

As I told Venmo, they are " incompetent AT BEST. '' Please help.
Consumer complaint received 2022-12-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Aldridge PIte Haan, LLP (GA)

XXXX XXXX XXXX, a debt collection agency employed by XXXX XXXX  reported a debt of {$640.00}, which was already incorrect and reflected fees and charges not associated with the original account filed a court lien against me in XXXX county GA where I reside. Altridge Hann the attorney 's office used to file the XXXX sent over a settlement agreement where the full debt would be settled for XXXX payments of {$280.00} ( XXXX total ) to settle the debt. Both payments were received on XX/XX/2022. I was told 10 days from the last payment received that I would be sent the appropriate documentation and that the court XXXX would be withdrawn. Both XXXX XXXX and Altridge Hann have failed to send appropriate documentation and continue to hold remaining debt despite our settlement agreement and refuse to update the credit beaurus with correct information.
Consumer complaint received 2020-03-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA (MD)

Hello currently it states that I owe {$58000.00} on my student loan. However at the time of my student loan the maximum amount that I was allowed to borrow was up to {$18000.00}. Somewhere along the lines I have been scammed & fraud. When I try to contact My Fed Loan.org they transfer me to / give me a disconnected phone number. They said that I need to talk to their consolidation department ( which I have tirelessly tried to find and most likely doesn't exist. ) I don't know what to do from here. I looked at my loan disbursements and the majority of them are incorrect.
Consumer complaint received 2019-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RS Clark and Associates, Inc. (TX)

I received a notification today that a collection was added to my credit report in the amount of {$190.00} for RS Clark Associate. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports.
Consumer complaint received 2021-09-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I am writing to complain about all three credit bureaus - Equifax, XXXX  and XXXX.All three are reporting a bankruptcy on my reports that is not accurate. I have disputed thebankruptcy with XXXX and the courthouse. XXXX can not verify it and has deletedit. The three bureaus are terrible! They don't even respond to written disputes that aremailed certified. They just ignore us out here in Main St America. I have sent letter and theseare just the latest.
Consumer complaint received 2020-04-10
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. (AR)

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. 

XXXX XXXX XXXX {$660.00}
Consumer complaint received 2020-04-10
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (FL)

I have talked to the company about my debt. I explained that I had a major car accident with an enormous amount of medical bills. I was not able to work so I don't have an income. Also, at the moment I am not working neither is my husband 's company is open. 
I asked for a deferment or payment deduction and they did not want to hear it. So, in turn now they are calling my parents and husband, etc. 

The company is PayPal and Synchrony bank The phone that calls is unlisted : XXXX