davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Adler Wallach & Associates, Inc. (CA)

I got numerous harassing phone calls from this company so very rude threaten my credit threaten to go after money that I dont even have and never really even gave me a fair chance but just a threatening phone calls alone scared me and Im a man of integrity and Ill pay my debt one thats due but I will not except threatening phone calls and have my credit impacted by these people they couldnt even talk to me civilly very rude very intimidating
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

In XX/XX/XXXX I obtained a leased vehicle with XXXX XXXX services through their dealership XXXX in XXXX. About 2 years into the lease I was contacted by the salesman whom offered me to upgrade my vehicle into a XXXX XXXX XXXX XXXX XXXX. I went to the dealership and signed the papers and traded my old XXXX XXXX for the new XXXX XXXX XXXX. About 2 weeks after I had the new XXXX XXXX, the dealership contacted me and told me that they had calculated the incorrect payoff amount on the vehicle and that I still owed a payment. 

At the time I was in college and a student, I could not afford to make a second Car payment and told the dealership that this was not fair as they can not contact me 2 weeks after I drop the car off and tell me I still owe money when I signed the contract already. I offered to bring the car back and return it for my old vehicle but they said it was not possible. 

About 6 months later, I received a statement in the mail indicating that I would need to payoff the balance left on the vehicle or I would owe a significant amount of money as they would charge the account off. I phoned them and although still annoyed that I had to pay for the dealerships mistake, I agreed to pay off the balance. The representative then informed me that the car had already been auctioned and I now owed them around {$3200.00}. At that time it was completely impossible for me to pay since I had just come out of college. 

2 years later and finally agreed to settle the balance with them as I needed to obtain a loan for housing. I paid the amount and the account was settled. I have now discovered that they were continuously reporting payments on the vehicle for up to 8 months even when I did not have the vehicle in my possession or was not making payments to them. This gave a FALSE date of first delinquency that continues to disrupt my credit as the charge off shows wrongly. I have paid thousands of dollars in extra interest over other loans due to XXXX XXXX incompetence to provide correct Credit reporting. Additionally I have asked numerous time through dispute and direct contact for them to assist and fix the reporting errors to no avail.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

In XX/XX/XXXX I obtained a leased vehicle with XXXX XXXX services through their dealership XXXX in XXXX. About 2 years into the lease I was contacted by the salesman whom offered me to upgrade my vehicle into a XXXX XXXX XXXX XXXX XXXX. I went to the dealership and signed the papers and traded my old XXXX XXXX for the new XXXX XXXX XXXX. About 2 weeks after I had the new XXXX XXXX, the dealership contacted me and told me that they had calculated the incorrect payoff amount on the vehicle and that I still owed a payment. 

At the time I was in college and a student, I could not afford to make a second Car payment and told the dealership that this was not fair as they can not contact me 2 weeks after I drop the car off and tell me I still owe money when I signed the contract already. I offered to bring the car back and return it for my old vehicle but they said it was not possible. 

About 6 months later, I received a statement in the mail indicating that I would need to payoff the balance left on the vehicle or I would owe a significant amount of money as they would charge the account off. I phoned them and although still annoyed that I had to pay for the dealerships mistake, I agreed to pay off the balance. The representative then informed me that the car had already been auctioned and I now owed them around {$3200.00}. At that time it was completely impossible for me to pay since I had just come out of college. 

2 years later and finally agreed to settle the balance with them as I needed to obtain a loan for housing. I paid the amount and the account was settled. I have now discovered that they were continuously reporting payments on the vehicle for up to 8 months even when I did not have the vehicle in my possession or was not making payments to them. This gave a FALSE date of first delinquency that continues to disrupt my credit as the charge off shows wrongly. I have paid thousands of dollars in extra interest over other loans due to XXXX XXXX incompetence to provide correct Credit reporting. Additionally I have asked numerous time through dispute and direct contact for them to assist and fix the reporting errors to no avail.
Consumer complaint received 2022-10-31
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY (NY)

I deposited a check for {$17000.00} into my checking account.The bank cleared the funds. It turned out to be a fraudulent check and they took the funds back. It was a scam that costed me {$3000.00} since I cant reclaim those funds. I would have never drawn out money if the bank did not clear the check. I cant understand why they would not hold the check longer due to the amount. I spoke to a supervisor at the bank and they said its their policy and that I should contact the person who issued the check. I cant contact the issuer because I can not track them down. The bank should be responsible negligence in this matter
Consumer complaint received 2020-08-12
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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$4000.00} XXXX  XXXX {$2000.00} XXXX   XXXX {$2000.00} XXXX  XXXX {$3300.00} XXXX   XXXX {$1000.00} XXXX XXXX $ XXXX XXXX   XXXX {$420.00} XXXX XXXX {$3500.00} XXXX XXXX {$160.00} XXXX XXXX XXXX {$250.00} XXXX  XXXX {$1600.00} XXXX XXXX XXXX {$87.00} XXXX XXXX XXXX {$50.00} XXXX  XXXX {$230.00} XXXX  XXXX {$980.00} XXXX  XXXX {$59.00}
Consumer complaint received 2020-06-18
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (TX)

Company Convergent is engaging in unethical and bad faith practices. I made a payment arrangement on XX/XX/XXXX or XXXX and paid XXXX dollars and told them within two weeks -I still owed XXXX dollars. I got multiple letters from them during this two week time frame The one in front of me said I owed XXXX ( incorrect amount dated XXXX after we made payment arrangement and I had already mad a payment ). We had settled for approx XXXX dollars. My second and final payment was to be on XX/XX/XXXX. They turned in my info to the credit bureau XX/XX/XXXX. I paid the rest of the settlement yesterday on XX/XX/XXXX. XXXX XXXX XXXX got info from XXXX XXXX that an account was added. Convergent turned it in before my last and final payment of XXXX dollars. They reported it to the bureau with the amount of XXXX. It is already paid off. The company did not allow the arrangement to be completed before reporting. It should be removed.
Consumer complaint received 2020-08-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I have repeatedly tried to contact XXXX XXXX about the account that is being reported across all 3 credit bureaus, and the incorrect reporting of missed payments. I have been given phone numbers that no longer work, or addresses that are no longer in service to XXXX XXXX, yet if one wanted to apply for a loan, those services are still available, but corporate will dodge you at every turn. They are reporting multiple late payments that are not correct in any capcity.
Consumer complaint received 2020-08-12
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. (FL)

I have repeatedly tried to contact XXXX XXXX about the account that is being reported across all 3 credit bureaus, and the incorrect reporting of missed payments. I have been given phone numbers that no longer work, or addresses that are no longer in service to XXXX XXXX, yet if one wanted to apply for a loan, those services are still available, but corporate will dodge you at every turn. They are reporting multiple late payments that are not correct in any capcity.
Consumer complaint received 2020-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I pulled my credit to myself for the first time and I have derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX Inquiry Date XX/XX/year> XXXXXXXX XXXXInquiry Date XX/XX/year> XXXX  Inquiry Date XX/XX/scrub>XXXX XXXX  Inquiry Date XX/XX/scrub>XXXX XXXX Inquiry Date XX/XX/year>
Consumer complaint received 2024-02-18
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P. (TX)

There was an old debt on my credit report ( amount {$2700.00} ) managed by XXXX XXXX XXXX XXXX XXXX XXXX and now shows as " Paramount Recovery. '' Internet research shows that " Paramount ... '' likely purchased XXXX XXXX XXXX XXXX XXXX  but that's not the problem. The account shows an " Opening Date '' of XX/XX/ and this debt is far older than that. Therefore, this account was RE-AGED and is in violation of FCRA Section 623 ( 5 ) ( A ). Disputes have been sent to XXXX XXXX XXXX
Consumer complaint received 2024-04-10
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (OH)

I have a Citi Double Cash Card since XXXX. I had enjoyed this card as it was my first rewards card. I have maxed this card out and paid off multiple times each time resulting in a credit increase. This year I experienced multiple hardships, the transmission went out on our car, my grandma passed away and I needed to pay for funeral expenses, and an unexpected tax bill. This did result in higher usage than normal, however I was never late on a single monthly payment. Fast forward to XXXX days ago, I was able to pay off approximately {$21000.00} to pay off the statement balance on my card. Today, I logged into my Citi App to confirm that the payment was applied. I was absolutely SHOCKED and DISGUSTED to learn that my credit limit had gone from approximately {$23000.00} to {$1300.00}. This is almost a 94 % reduction in my credit limit. I could not believe this, I just paid them over {$21000.00} and as a thank you they will be ruining my credit score, due to their decision to reduce my credit line by {$21000.00}. Then to make matters worse, the arbitrary amount of {$1300.00} they chose as my new credit limit puts my credit utilization over 50 % for this card when I thought I just paid off the balance. Furthermore the reduction in credit limit impacts my entire credit portfolio as this card has the largest credit limit of all of my cards. I am in the beginning stages of trying to buy a new home and thanks to Citi, this may not even be possible due to the harm they have caused. I think it is absolutely horrendous practice. While speaking with an agent today, I was informed that Citi is well within their right to decrease a credit limit as they see fit. I was admittedly very upset and had a few choice words for the initial agent I spoke with, whom ultimately thought my situation was not important enough to take seriously as she laughed at me while on the phone. I demanded to speak with a supervisor. She has stated that she would submit an appeal to have my credit limit restored. This practice is completely unfair and has ruined my future plans and all I did was pay my bills responsibly. Shame on Citi bank for treating a long time customer whom had never even made a late payment so poorly.
Consumer complaint received 2020-08-12
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CO)

NewRez withdrew my property tazes from my escrow account on XX/XX/2020, for taxes due on XX/XX/2020. My county, as of XX/XX/2020 has yet to receive this tax payment. NewRez will not supply me with a copy of the check, they will not reissue the check, they will not verify with my county ( XXXX County, Colorado ) that payment has not been received. Upon further investigation, there are NUMEROUS homeowners in XXXX County who also have their property taxes missing from NewRez. 

Our homes are on the line and the bank will not assist. I was told by NewRez, on XX/XX/2020, when I received my first late bill from the county, that this issue would be resolved within 10 days. Not only has it not been resolved, but when I call NewRez, the reps I speak to state that the notes in my file concerning this issue state " No further action needed ''. This is deeply concerning and down right negligent.
Consumer complaint received 2024-02-16
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P. (FL)

I'm requesting that validation from LVNv funding llc I also need to see a forward flow agreement of this alleged that.

I need to see my signature with LVNV funding proving I owe this alleged that to this company.

See documents below
Consumer complaint received 2020-08-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Professionals, Inc. (MT)

On XX/XX/2020, Collection Professionals called me and said I owed them over {$400.00}, plus interest. I told them that I have been making weekly payments directly to XXXX XXXX XXXX XXXX, because Collection Professionals does not accept XXXX XXXX. The collector said that I still owed them {$400.00} plus interest in spite of that fact. My balance at that time was about {$250.00}. XXXX 's actions amount to illegally charging interest for an amount I don't owe. Their actions also constitute harrassment, since they have nothing to do with me resolving my debt.
Consumer complaint received 2020-08-12
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: SYNCHRONY FINANCIAL (IN)

XX/XX/2020, {$2100.00} was charged to my Care Credit for XXXX work. I did not have the card, my cards are in my safe deposit box. They had the number so they charged the account. On XX/XX/2020 I needed to make my payment, tried online with Care Credit but it wouldnt let me because I didnt have the last 3 numbers on the back, so I called and they let me make a payment over the phone. He asked the card number and I said I didnt have my card, wasnt sure where it was. ( I am not irresponsible with my credit cards, as you can see my Credit score is in the 800 's ) He instruced me that he needed to note the account and would be sending a replacement card.. Before this call my credit score was XXXX, I received a notice from a Credit Protection company that one of my cards was stolen and if I disagree I was to fill out the dispute, which I did. on XX/XX/2020 I received a letter from Synchrony Bank ( Care credit ) that the lost or stolen card is put on my credit bureau for 2 years. I have truly lost another card of mine, that company NEVER did report me. As of today my credit score is XXXX, XXXX points!! If i can prove I have the old card will they remove this?
Consumer complaint received 2020-06-18
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. (OH)

CONTACTED EQUIFAX XXXX  AND XXXX  IN AN ATTEMPT TO FIX FRAUD ACCCOUNTS ON MY CREDIT REPORT. THEY ARE REPORTING FRAUD AND INACCURATE ACCOUNTS ON MY REPORT HENDERING MY EFFORTS TO OBTAIN CREDITS. 

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inquiries XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Credit card and travel / entertainment companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Banks and S & Ls Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Sales Financing Company Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Specialty Clothing Store Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of 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.

I appreciate your prompt attention to this matter, and await your reply.
Consumer complaint received 2020-08-12
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 bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX  XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX XXXX {$370.00} XXXX   XXXX {$36000.00} XXXX XXXX {$370.00} XXXX XXXX {$54000.00} US DEPT ED XXXX {$26000.00}
Consumer complaint received 2020-08-12
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. (MS)

I received a call from a student loan company stating about a debt I owed on tv service. I have never applied for tv service. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX   XXXX {$860.00} XXXX  XXXX {$260.00} XXXX  XXXX {$5500.00} XXXX {$210.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$450.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$50.00}