davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (AZ)

I have been going back and forth with this company to try to resolve this account since XXXX. I was told by this company this an account from 2007 with XXXX for an XXXX XXXX. I informed the Collection Company that I have never been a XXXX  carrier and the account can not be mine. They instructed me to contact XXXX. When I called XXXX, they had not information of mine in their system, to contact the collection company back. I have requested documentation regarding this debt for the 7 months and keep getting the run around. I have been told on numerous occasion that the documentation have been mailed and emailed, neither of which have I ever received anything. I can not even dispute this on my credit report because I have no documentation from the collection company to provide to XXXX. Their business practices are highly unethical and immoral. This company has hung up on me, blocked my calls, and been untrustworthy to say the very least.. Can someone please help me in getting this account resolved? I really do not know what to do, or who to turn to at this point. 

Here is the information on the Collection Company : Receivables Performance Management XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, WA XXXX Thank you for your time, XXXX XXXX
Consumer complaint received 2020-03-24
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

There is a collection on my consumer credit reports for {$140.00}, reported on XX/XX/XXXX. The debt is reported by the Collection Agency, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, CA XXXX. I have contacted the credit bureaus XXXX  and TransUnion by mail on 3 occasions requesting an investigation pertaining to this debt they are reporting on my consumer credit reports, that is not my debt. To this date they have not provided any information, and to date have not removed this debt from my consumer reports.They are currently violating my rights under the Fair Debt Reporting Act and harming my credit rating. Furthermore, they are not responding to my repeated request to provide detailed information regarding the debt noted above. I have sent by First Class Mail three letters dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. To this date there has been no response regarding my repeated request.
Consumer complaint received 2020-04-02
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)

XXXX  XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX US DEPT. OF EDUCATIO
Consumer complaint received 2022-11-04
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. (GA)

There are numerous inquiries on my credit report that were not authorized. I have not ran my credit in the last 3 years except for my application with XXXX XXXX  in XXXX of 2022. This has caused my credit score to drop and my interest rate to raise on my mortgage.
Consumer complaint received 2020-04-02
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: Experian Information Solutions Inc. (AR)

I decided to get my credit pulled due to a couple 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 XXXX {$180.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$13000.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: Atlanticus Services Corporation (NY)

On XXXX XXXX I purchased the listed items from XXXXXXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, New York XXXX. The salesperson named XXXX XXXX misrepresented/lied and told me my XXXX XXXX XXXX credit card account was closed which is/was not. The salesperson then made me open another retail credit card account with Fortiva Credit Services to finance/pay for the XXXX  mattress and XXXX chair that I selected off XXXXXXXX XXXX XXXX The salesperson used deceptive sales practices on me for reasons I do not know. I made several attempts to contact Fortiva/XXXX  XXXX XXXX that the minimum payment that I am now required to pay which is XXXX XXXX  monthly is too much for me to pay. The salesperson on the day of the purchase could not even give a correct minimum payment amount that I would be required to pay monthly. 
I am asking is there any way your institution can remedy this deceptive and fraudulent sales practice this was done to me by this sales representative at XXXX. I am asking can the monthly minimum payment that I pay be reduced back to {$55.00} a month which was the monthly minimum payment I paid on my XXXX XXXX retail credit card account for previous furniture I purchased from XXXX. If this first remedy can not be met, can I exchange the furniture pieces that I currently have for something at a lower monthly minimum payment price around {$55.00} to {$60.00} dollars a month. As you are aware these past XXXX years beginning in XXXX  to the present the worldwide XXXX pandemic has put a stress on my finances. Please consider theses factors if you are to XXXX me help in finding an acceptable remedy in dealing with this current situation, I am facing in making monthly payments to Fortiva that I can not afford. 
A copy of a statement similarly to this has been sent to XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ) and Fortiva Retail Credit XXXX XXXX.
Consumer complaint received 2020-04-02
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. (AR)

I decided to get my credit pulled due to a couple 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 XXXX {$180.00} XXXX XXXX XXXX XXXX {$72.00} XXXX XXXX XXXX {$790.00} XXXX XXXX XXXX XXXX {$100.00} XXXX  XXXX {$980.00} XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX XXXX {$8300.00} XXXX  XXXX XXXX {$13000.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2020-01-09
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc. (TX)

On XX/XX/2018, I had to have XXXX done at XXXX XXXX Hospital in XXXX XXXX. I presented my insurance documents and paid the {$100.00} co-pay. After this, I never received a bill for this service or any request for payment. While checking my Credit Report I noticed there is a collection for {$1400.00} from UNITED COLLECTION BUREAU. My insurance, XXXX XXXX negotiated the appropriate discounts and determined that the total covered was {$1900.00} of which they paid {$1400.00} on XX/XX/2018 ( please see document attached ). The Patient Balance on this document is {$510.00} and it has been paid. 
I never received a bill or a statement requesting any payment. In addition, two XXXX bills were submitted and paid by my Insurance. I have not received any answers to what this debt is about. I never received any letter or communication either by the original debtor or this collection agency until I contacted them. The hospital had all my personal information and had my insurance information and no other claim was presented.
Consumer complaint received 2023-02-06
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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc. (NC)

A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters.
Consumer complaint received 2020-03-24
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal trade commissions identity theft affidavit. Please delete the items as soon XXXX possible.
Consumer complaint received 2020-03-24
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc (FL)

Hunter Warfield continues to try to collect a debt from me that is WELL ABOVE what the amount I actually owe is, almost double the amount actually. They are also not accurately representing the date on the debt. I have repeatedly disputed the information, and they can never seem to produce the requested information but continues to blatantly lie on my credit report. Nowhere on my lease does it indicate they are allowed to charge any interest on the debt. They are mailing and calling me with wrong information also. I am willing to work something out with them, but not when they are trying to scam me.
Consumer complaint received 2020-04-02
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: General Motors Financial Company, Inc. (NJ)

GM Financial {$640.00} XX/XX/2020 due to corona virus, business closed, XXXX XXXX. want 3-6 months of payments put on back end of lease. 
All they offer is no late fees and no credit reporting XXXX and other companies are helping people with leases. 
They are only helping customers that purchase cars and trucks.
Consumer complaint received 2020-04-02
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. (AR)

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked by the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$220.00} BANKRUPTCY XXXX {$0.00}
Consumer complaint received 2022-12-28
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc. (FL)

I made a payment using the XXXXXXXX XXXX XXXX on XX/XX/2022. I usually do not use this card ( prior payment to that was at least a year ago ). I was not aware that the contact information for the store credit card is different from the XXXX website where you place orders for products. This is complicated by the fact that I no longer check the old email address and also moved to another state and do not receive any paper mail from them. Thus I was not aware that I had a late payment. However, it was not until at least 2 months after the initial payment day that I receive a notification from XXXX XXXX that XXXX noted I had a late payment. From my history, I had a strong credit of XXXX mostly due to paying bills on time or earlier. It wasn't until I noticed that there was a +60-day late payment for the XXXX XXXX. Had I known about this earlier, I would have made the payment earlier or changed my contact information. 
I have already paid off the balance that includes 2 late fees. I called customer service who said they can provide a late fee waiver. However, I still can not see this on my end so I am not sure if they applied it. They do not even have an option to email me proof of this.

Finally, despite using the correct password multiple times, I can not log in to the website to make payments which I have also noticed in the past. The website and many other online users state that there persistently have been issues with logging in and reaching customer service, making it very very difficult to make payments on time. 
As a result of the late payment which is very rare for me, my credit score dropped from mid-700s to high 600s, which is very disappointing given one blip that I was not aware of.
Consumer complaint received 2020-03-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY (MN)

I took out a cash advance in XXXX. American Express tried to explain to me after making a {$200.00} payment yesterday that I had no cash to withdraw. They told me that if you only pay the minimum monthly payment that none of that goes towards your cash balance. I always pay over the minimum sometimes its {$5.00} but its over the minimum. I asked where that money went. They said to the account area that has the highest interest rate. That is the cash advance. Where it should of went. Anything over is paid on the interest not the amount of the cash withdrawal. So basically you are never going to pay it back. Although in the month of XXXX I made 3 payments 2 for {$50.00} and 1 for {$70.00} all made in XXXX. The minimum payment was {$25.00} my math might be off but thats {$130.00} over the minimum. The interest taken out guessing {$20.00} still leaves {$110.00} dollars that did not go to the account with the highest interest rate.
Consumer complaint received 2020-03-24
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)

Decided to make a big move in buy my first home. I knew I wanted to go into a first time home owners program, due to them being able to help you financially. As I was sitting with my mentor she said my credit needed to be pulled. I knew I had good credit so I was not worried about that being the first step. Out of surprise a big list of accounts I have never seen or heard of in my life showed up. Those fraudulent accounts do not belong to me. Please remove these things from my report.
Consumer complaint received 2020-04-02
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. (NC)

XXXX  XXXX XXXX. XXXX XXXX XXXXXXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX  XXXX XXXX  XXXX
Consumer complaint received 2020-04-02
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (FL)

As of todayXXXX my care credit account which had a XXXX balance and a credit limit of {$1500.00} was closed without notice, I found out through my XXXX  credit report, considering the difficult times we are living Synchrony Bank should be a shame of themselves, this credit card is meant for a medical emergency, and even though my credit is not perfect I was not in default I paid on time and even though I was laid off by XXXX on XX/XX/2020 as soon as I could I paid off my account, I did it and I was happy to have it as an emergency, but this is not the first card this company closes, I also had a tjmaxx account credit limit of XXXX and XXXX balance and never in default, also they contacted me a week later they closed my account.I think specially now with covid19 care credit is an essential card and I shouldn't suffer the consecuences of their fears.