davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-08-11
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Ad Astra Recovery Services Inc (CA)

Please see emails to company below. It is impossible for me to include all the times they have contacted me as they call from different/blocked numbers. 

Hello, Today, despite the communication below on XX/XX/2020, I received a threatening text message and my MOTHER received a threatening voicemail on her HOME ANSWERING MACHINE from a number associated with your company. 

This is your official notice that, as outlined below, I will be contacting an attorney and pursuing legal action against your company for your many violations of federal and state laws regarding debt collection. 

Please look forward to a call from my attorney before the end of the week. 

On Sat, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : I have not heard back from you regarding my alleged debt. 

Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family and friends, in relation to this and all other alleged debts you claim I owe. 
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the California Attorney Generals office. Civil and criminal claims will be pursued. 

Sincerely, XXXX XXXX On XXXX, XX/XX/2020 at XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/2020 AD ASTRA RECOVERY SERVICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS67205 Dear Sir/Madam, Re :  Account # : XXXX Im writing this letter to open a negotiation on the alleged debt for the account number provided above. After a period of financial hardship, I am currently working to address several alleged debts listed on my credit report. However, I still have limited resources and will only be able to provide partial settlements for the alleged amounts owed. 

With that in mind, I would like to propose to settle this alleged debt for {$45.00}. In return, I request that your company remove this collection account from my credit report, along with any related negative information. I also request that you do not sell the remaining alleged balance to any other company. 

If your company is willing to accept each and all of the above aspects of this request, please prepare a settlement agreement, sign it and send it to me via email. Once I receive my signed copy of our agreement, I will pay the amount listed above as agreed. 

Sincerely, XXXX XXXX
Consumer complaint received 2020-08-11
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. (NV)

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX, Equifax and XXXX XXXX to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-08-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I am writing regarding the serious possibility that you have not followed the permissible purpose provisions of the federal FCRA. A credit inquiry for the below and on the following dates were placed within my credit file. The Act specifies that you must document your reasons for including such items on my report and, when in error, remove them as well. I am depending upon XXXX, XXXX  and Trans Union to follow the law : Either provide documentation that the law was followed by contacting the below creditors at once, or remove this offending inquiry as soon as possible for these are fraudulent inquires that were not requested from me. 
XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-06-17
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)

My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. FSTPREMIER XXXX {$610.00} XXXX XXXX {$14000.00} XXXX XXXX {$23000.00} XXXX XXXX {$960.00}
Consumer complaint received 2020-08-11
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc. (KY)

We paid off a lease of a XXXX  XXXX XXXX leased with GM Financial when we initiated a second lease of the same vehicle with a newer model. We received paperwork at the time that indicated the previous lease had been paid off. In addition, as an existing GM Financial customer, I never received any emails, alerts, etc., even though their digital terms and conditions state they will send emails, text messages, and other communications I had opted into regarding ALL of my accounts. Unfortunately, I had removed the old account from my profile because I assumed it was old and already taken care of given I put more than {$6000.00} cash down on my new lease. 

My credit score was in the high 700s until this false claim hit my credit report this week -- sending it down more than 80 points according to XXXX. Any attempts to contact GM Financial have resulted in ridiculously long hold times followed with disconnection, or reaching a representative only to be given a different contact number. This issue on my credit score is over a paltry {$280.00}. How ridiculous! I will never lease with them again.
Consumer complaint received 2020-06-17
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. (SC)

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$9000.00} XXXX XXXX {$8400.00} XXXX XXXX {$53.00} XXXX   XXXX {$80.00} XXXX XXXX {$4500.00} XXXX XXXX {$6700.00}
Consumer complaint received 2023-05-17
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. (NY)

Unknown and unauthorized credit inquiries are showing on my credit report, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

The account below should be a zero balance. 

Item1 : XXXX XXXX XXXX XXXX Account : XXXX {$9100.00} Reported balance Highest balance {$10000.00}
Consumer complaint received 2020-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (GA)

I have looked over my credit report several times and I have no late payments or derogatory accounts. However Equifax continues to report delinquent and derogatory information. I have tried numerous times to resolve this issue, with no avail. Also, I have been unfairly denied new credit because of this false information.
Consumer complaint received 2020-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL (UT)

On XX/XX/XXXX my son was in a horrible accident ; resulting in XXXX XXXX XXXX over XXXX XXXX XXXX XXXX XXXX. This was immediately on the heels of my employer ( XXXX XXXX ) laying my off while on disability/FMLA for XXXX XXXX. 

As a result I struggled most of XXXX to keep up with my bills, but I was able to make minimum payments until I was able to get back to work in XX/XX/XXXX. Unfortunately getting back to work did not help much as it required me to work out of state for nearly a year. The added expense meant I was no longer able to make my minimum payments on my Walmart credit card. 

So I contacted their customer service department and advised them I was paying for protection against this very issue. I advised I wanted to take advantage of the Debt Forgiveness program ; for which I was paying, and requested the paperwork to apply for Debt Forgiveness. I was advised the paperwork would be sent to my billing address. 

The requested paperwork was never sent/received. The next thing I knew Walmart had, instead, sold that debt to a bill collector. Instead of the debt forgiveness, for which I paid and qualified to use, I now have TWO companies hitting my credit report for THE SAME debt. ( Walmart and XXXX XXXX XXXX  )
Consumer complaint received 2020-06-17
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: Eagle Accounts Group, Inc. (NY)

I recently created a credit monitoring account in hopes to be informed about my financial standing because I am ready to start the process of purchasing a new home however, while checking my credit monitoring sights. I noticed a few errors on my credit report that I believe to be inaccurate and fraudulent. I am a victim of identity theft. I would like for thIS account in this complaint to be removed as soon as possible.
Consumer complaint received 2020-08-11
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. (MI)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2020-04-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO. (FL)

Hello, like most people, I lost my work due to the coronavirus, and have been contacting my credit card companies -- Chase and XXXX XXXX XXXX -- for support. I have very good credit, and by support I mean I asked them to extend my 0 % interest rate for a few months, so I could continue to make payments but lower than what I had been so I could pay my dues without getting deeper in the whole. 

I tried calling the company for assistance, but you can't get through to a person. They keep directing people to online support, and the only option is to defer your payments and continue with high interest. This doesn't help. I tried sending a secured message but others who have tried said they were turned down. 

The banks are acting like they are helping customers with three deferred payments due to the coronavirus, BUT most -- like these banks -- are still charging high interest on the balance and profiting off of people who are suffering. Even the government is lowering interest to 0 % during the crisis. The banks should be called upon to do that too.
Consumer complaint received 2020-08-11
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Windham Professionals, Inc. (NY)

In XX/XX/XXXX I was diagnosed with a XXXX XXXX XXXX XXXX and my XXXX XXXX doctor recommended XXXX. I contacted a recommended doctor for a second opinion. Upon calling the doctor - XXXX XXXX at XXXX XXXX in XXXX   XXXX, New York, I asked whether they accepted my insurance as I was only going to get a second opinion from an in-network doctor on my plan ( XXXX XXXX ). XXXX XXXX explained to me that they were in my network and that no charge would be imposed for a consultation other than a copay. 

I went for the consultation, paid the copay and ultimately opted against XXXX. 

I began to get bills from XXXX XXXX for {$140.00}. I discussed with them the issue - that they had told me they accepted my insurance - and they explained they no longer were on the plan. I contacted my plan and I filed a complaint with the XXXX Department of Financial Services. 

Since that time I am now being sought by XXXX XXXX XXXX XXXX ( Letter dated XX/XX/XXXX, Account # XXXX ). I am filing a complaint against the collection of this debt given that it is unlawful.
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (MD)

Good afternoon, I had a chance to review my credit report and noticed one missed/late payment for XXXX XXXX XXXX in XXXX of XX/XX/2017. I advised the company that this missed payment is an error due to an auto-bill issue. It is stated on my credit report that the bill was late, later than 30 days which is incorrect. Every payment before and after XX/XX/2017 has been paid on time. All payments on my credit report states 100 % on time payments. XXXX also didn't provide proof of the missed payment. The missed payment on my credit report is hindering me from obtaining credit and has to be resolved as soon as possible. I have had a great experience with the company and plan to acquire a loan again in the future, just wish this was handled better. 

Warmly, XXXX XXXX
Consumer complaint received 2020-08-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

Good afternoon, I had a chance to review my credit report and noticed one missed/late payment for XXXX XXXX XXXX in XXXX of XX/XX/2017. I advised the company that this missed payment is an error due to an auto-bill issue. It is stated on my credit report that the bill was late, later than 30 days which is incorrect. Every payment before and after XX/XX/2017 has been paid on time. All payments on my credit report states 100 % on time payments. XXXX also didn't provide proof of the missed payment. The missed payment on my credit report is hindering me from obtaining credit and has to be resolved as soon as possible. I have had a great experience with the company and plan to acquire a loan again in the future, just wish this was handled better. 

Warmly, XXXX XXXX
Consumer complaint received 2020-08-11
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Selip & Stylianou, LLP (NY)

Last year in XXXX they began garnishing my paycheck and three times the information was sent to them and it was found that it was identity theft and the credit cards were from early 2000 's and never even issued to me.Eventually I was able to retrieve half of the garnishment back {$410.00}, my HR dept. decided to not make any payouts because it was found that someone stole my identity. Now the same collectors are coming again after me with other debts and they have all the documents clearing me. All I want is my {$330.00} which is the remaining balance that is owed to me. They also mentioned his name is XXXX XXXX that he only has {$290.00} because the marshal kept {$40.00}. That is not my problem I want every cent that was garnished from my paycheck. My HR has tried as well as to retrieve my money and they refuse to give it back. Now they just send me another debt judgement same collectors knowing they have the documents that state I was cleared of those debts which were never mine. My HR stated that they are scammers and were sorry that they fell into this
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The CBE Group, Inc. (UT)

I dispute all my.medical with XXXX  that are on my credit report because my insurance has paid it. I get a notification with in a day of the results. You can possibly tell me that with all the disputes XXXX gets, it only takes them from 4hr to 1 day to get results. I would like proof that XXXX  has actually looked in to my discrepancies
Consumer complaint received 2020-08-11
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 (IA)

I placed an order to XXXXXXXX XXXX online for 5 bottles of XXXX and additional 6 bottles at a discount rate for a total purchase of {$280.00} on XX/XX/19. It came from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. After I opened the box I read the ingredient label & found out they had gluten in them. I have XXXX XXXX so I can not eat anything with gluten in it. I immediately tried to call the phone number on the email from them XXXX XXXX XXXX XXXX. The number on the email & their website does not work. So I emailed them at XXXX, but never received any response either by phone or email. I called XXXX XXXX XXXX XXXX XXXX to see if they had another phone number for them. They gave me another number to try. I called it & got a recording from a man saying please leave a message so I did. No answer or email from him either. The number was just a recording from a man to leave a message. Sounded very fishy. I called Barclays credit card customer service back. The rep tried to call that number & got the same recording. They put the money back in my account while they did their dispute work to contact the company. 
I finally received documents from Barclays telling me that they were not able to get the refund for me for these reasons : 1. Customer has not contacted customer service.

2. In order to proceed to checkout, customer must agree to terms and conditions on merchant page.

3. Customer did not cancel or return the product within ( 30 ) days from the original purchase date and therefore is responsible for the charge. 

Barclays put the charge back on my account. I called them back & had the rep look over the documents and she said you did what you were supposed to do so I will send it back to the dispute department to redo the dispute. 

I waited until yesterday to call them because I had not received anything from the dispute department. It has been almost a year now. The rep said they closed my case because I didn't follow the guidelines of the purchase. I was on the phone with the CS rep for over an hour. She put me on hold and never came back on the line. I am very unhappy with Barclays. 

I found out by checking XXXX XXXX XXXX on the XXXX page that they have had several complaints about refunds.
Consumer complaint received 2020-06-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc (CA)

I discover a collection from a agency named XXXX on my credit report.I decided to call and they informed me they have bill from 2017 for a medical service but they weren't sure what is it for and what is the date of service, I told them I would like to pay but I never had the opportunity to dispute it or pay before it show 's on my credit, the representative infomred me they mailed a letter to the XXXX XXXX XXXX XXXX XXXX and I correct her because my apartment number is different and there is the reason why I never got a collection notice and had the chance to dispute it or pay it. 
I offered to the representative to pay the bill as long they accept to delete the collection account from my credit, but she refused it. 

When I asked again for the date of service they couldn't even provide it, and they accepted they don't have a copy of the bill they are collecting
Consumer complaint received 2020-08-11
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. (FL)

I am a victim of identity theft due to an XXXX  credit breech. experian credit services and XXXX credit services continue to report these fruadulent accounts for monetary gains. They have been sent all the information needed including identy theft report, ID VERIFICATION, POLICE REPORT AND FRAUDULENT ACCOUNT information to permanently block these identity theft accounts from my credit according to section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.