davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-02
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: ENCORE CAPITAL GROUP INC. (AZ)

I was served with a complaint from XXXX XXXX who purchased a past debt from XXXX XXXX XXXX in mid to late XX/XX/2017. I called the company and asked if they were willing to accept a lower amount in full and settle out of court. The company representative refused to offer any discount and said it was against policy even though it clearly states in the complaint that they were willing to accept a discounted amount. I was then told that if I paid them I would not have to respond to the complaint in court and that it would be dismissed completely 10 days after the payment was confirmed. I saw no other option and asked for a letter for proof of our agreement. I did not receive this letter until 10 days later and it did not state everything that was agreed to, instead it was a generic billing invoice. I immediately called and and again attempted to receive a lower settlement amount due to my financial stress. I was denied. I then called again and confirmed that if I paid the debt on the website that I would 1. not owe any further money and 2. that my lawsuit would be dismissed. I asked for a timeline for when it would be removed from my credit and was refused an answer. I saw no other option as my time to respond was quickly approaching and I paid the full amount owed and waited. I then saw that the company rearranged what was owed so that a new balance of XXXX dollars remained. I called and I asked to be transferred to the attorney and was told that they were not allowed to per company policy they had to transfer me to another representative who might then transfer me to the attorney. After being transferred again I requested to speak to the attorney and after several refusals I was transferred. I did not get to speak to an attorney however and was transferred to the voicemail. I left my contact information and did not receive a call back. I was repeatedly reassured that my my case would be dismissed and that my account was completely paid off and would with time reflect the paid amount and be closed. I called again 10 days later when when the payment had posted and was told that the account was paid off and closed. I then checked saw that neither promise was kept. I am now hung up on and repeatedly transferred with no help.
Consumer complaint received 2022-03-04
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. (FL)

Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. 
I m disappointed! I dont know how to delete it from my name
Consumer complaint received 2022-03-04
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. (TX)

I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Consumer complaint received 2022-03-03
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. (MS)

On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.
Consumer complaint received 2020-07-29
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 {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX   XXXX {$680.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}
Consumer complaint received 2020-07-29
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NJ)

Experian credit reporting has made several errors with previous disputes. For an example report number XXXX on my Experian account is a error that I never disputed, they closed an auto loan which still shows I owe XXXX and is an active account I never submitted a dispute for this I'm not sure why they Experian closed this account in error. The other inaccurate information was report number XXXX this also was an error on Experian this shows an account that was paid in full as closed when in fact it's still active. These errors have negatively impacted my score and need these errors rectified.
Consumer complaint received 2018-05-15
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc. (CA)

I was in an auto accident XX/XX/XXXX and the car was classified as a total loss by XXXX. They sent SANTANDERCONSUMERUSA the check for the vehicle {$16000.00} minus my {$1000.00} deductible on XX/XX/XXXX. I was left an underwater amount of {$6500.00} since I had GAP insurance XXXX  electronically sent {$5600.00} to SANTANDERCONSUMERUSA on XX/XX/XXXX. I swiftly paid the remaining {$940.00} out my pocket which was the deductible but they refuse to apply the GAP to my auto loan to XXXX  it out. GAP was supposed to help me pay this car off swiftly so I can finance another vehicle. SANTANDERCONSUMERUSA continues to add interest on my account and ignore the GAP payment sent. I was informed by XXXX   after numerous attempts for help that SANTANDERCONSUMERUSA applies this when they feel like it was her exact words. This can not be right and something needs to be done to these negligent companies who abuse there fiduciary duties with unethical business practices soley for there own financial gain.
Consumer complaint received 2018-05-15
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)

Experian is reporting two accounts that do not belong to me. XXXX XXXX XXXX ( partial account # XXXX and XXXX XXXX XXXX ( partial  account # XXXX ). Experian has been contacted several times regarding this error. I would like these two accounts to be remove immediately based on the federal fair reporting act.
Consumer complaint received 2022-03-04
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: Experian Information Solutions Inc. (TX)

In accordance with the Fair Credit Reporting Act, XXXX Account # 's ( listed below ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 
XXXXXXXX XXXX XXXX
Consumer complaint received 2022-03-04
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GLOBAL SOLUTION BIZ LLC. (MI)

The company has been blowing me up for a debt that i thought was closed out and charged off 3 years ago. They threatened me with a UCC filing to seize any assets i own, would stop me from being able to register and buy a car, stop me from getting new housing. I attempted to start to take action and start to pay it anyway even though my business the loan was for has been permanently closed for 3 years. The rep never called me to set up a payment option for it like she said and then contacts me again saying i missed the payment now its double what is needed for the next payment as well as the previous payment otherwise legal action will be taken. I also mentioned to them i have to wait for my commission check that i get every XXXX of month. Said that they could not wait and needs something now. Wont let me pay off in a year needs it done in way less or the filings will go through. I never received anything in the mail about this either. and supposedly this has been sold to 6 different collectors
Consumer complaint received 2021-10-26
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SLM CORPORATION (FL)

My interest only payment plan ended without my knowledge, and my payments skyrocketed to an enormous amount. I only make so much money, and this is getting ridiculous. The employee I spoke to also took issue with me taking his information to apply to this complaint, which means they do not know how to handle criticism either. 
Name : XXXX XXXX number : XXXX
Consumer complaint received 2020-06-05
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc (VA)

I checked my credit and saw this collection agency listed on my credit report. I sent this collection agency multiple letters to validate/verify the debt and each request was ignored. They only continue to send letters asking that I pay the debt and continue to report to the credit agencies without any proper debt validation. I also disputed the account with the credit bureaus and the collection agency is replying that the debt is accurate without proper proof or validation.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY (NY)

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Consumer complaint received 2018-05-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch (NJ)

Today XX/XX/18 @ XXXX, I received a phone call ( cold call ) from a XXXX XXXX from American Profit Recovery. 
As he was looking for information for me to provide to him, I cut him off and started asking him questions that he could not answer, Including exactly what debt he was calling in reference to. Again, he could not answer. 
I first told him to stop all calls and send me any information by mail. I also stated that by making that statement to him, by law, all calls must stop. 
I also stated that all my accounts are in good order, I have excellent credit and have never had a debt collection in my life. 
Finally. I told him that I shall be reporting their scam to the appropriate Government Agencies. 
Again. This literally happened 90 minutes ago. Can't get much fresher than that.

I thank you for your time and consideration. 

I HOPE YOU ARE ABLE TO SHUT THEM DOWN SO NO-ONE ELSE GETS SCAMMED.
Consumer complaint received 2020-07-31
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. (NC)

XXXX ACCOUNT BEING REPORTED TO THE CREDIT BUREAUS SHOWING AS OPEN, WITH BALANCE AND LATE PAYMENT WHEN IT SHOULD BE CLOSED. ATTEMPTED TO RECTFIY ISSUE WITH BUREAUS BUT THEY ALL SENT INFORMATION REFUSING TO REMOVE THE ACCOUNT. I EVEN SENT THEM EVIDENCE FROM XXXX  THAT STATES THAT THE ACCOUNT IS CLOSED WITH A {$0.00} BALANCE. 

THIS IS HAVING A DETRIMENTAL IMPACT ON MY CREDIT SCORE AND REPORT.
Consumer complaint received 2022-03-04
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. (FL)

hey, i am XXXX XXXX and I am writing to delete the following information in my file. The items i need deleted are listed below i am vitim of identity theft and did not make these charges on these account. I ask these items to be deleted and my credit report corrected. I authorize to check my credit report and remove all fraudulent accounts aand inquires. Please HELP ME AS ASAP AS THIS IS AN ONGOING ISSUE AND EFFECTING ME NEGATIVELY and you guys are my last line of defense. Fradulent collections XXXX XXXX XXXXXXXX XXXX XXXX  account # XXXX XXXX XXXX  account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXXXXXX Unauthorized Inquires Inquiry name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask that the items 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 as possible.
Consumer complaint received 2018-05-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: GreenPath, Inc. (SC)

I started using Greenpath services in XX/XX/2016. I spoke with a representative ( XXXX XXXX ), and she went over everything on my credit report and told me they would reach out to each one of my creditors and get an agreed amount that they would pay each month. I informed her that I get paid on the XX/XX/XXXX of each month, and that's when they could take my payments. At no time did she or anyone else tell me that because my husband and I signed on together that they would pay his debts with my payments. My husband had his set amount coming out of the account at a different date. 
I started noticing calls and late payments on all my accounts and I couldn't understand because I was paying, so I thought my creditors had it wrong. A few months later I was still receiving calls, and I decided to give greenpath a call. They informed me that because my husband missed his payment, that my money went to his bills and not mine!!! No one ever informed me that this was happening. They then told me I would need to separate my account from his, which I did. That still has not stopped me from getting all of these late payments on my credit. I'm attaching all documents I signed with them as well as proof of me paying every single month on time. I've never had any late payments on my credit, and now my credit is ruined. My good credit is needed to keep my security clearance at work and I explained all of this before I started with them. Greenpath really needs to fix this mistake and remove any late payments on my credit reports from XX/XX/2016 to current. I'm in no way at fault for my credit being ruined, and this has affected me tremendously.
Consumer complaint received 2018-05-15
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (VT)

I applied for a TJMaxx credit card at a checkout counter last XX/XX/XXXX. I did not realize that they charged that card {$33.00} for my purchase at the time. I never received the card or a bill EVER from them and never thought much about the card. I had to give them my mailing address which is a P O Box as well as a physical address of the road I live on. Every time since then when I have shopped at TJMaxx, XXXX, or XXXX XXXX ( which is a lot ) they would ask me if I wanted a credit card and I would always say, " I applied for one and never heard back '' No sales clerk EVER offered to look in to it for me. 
I never even knew I owed them money until I got a creditor notice from XXXX XXXX. I find it interesting that they used both my P O Box and street address to mail the collection letter but TJ Maxx did not. 
They have completely ruined my excellent credit over a {$33.00} bill. They did not even try to call me. 
The moment I got that collection notice, I called and was told they would dispute it and to call back in 10 business days. That same day, I mailed a letter to TJMaxx and have never heard back even though, I gave them ALL my phone numbers. When I called back after 10 days, I was told that my account had been sold to XXXX XXXX XXXX. I have since called XXXX XXXX XXXX 4 times and keep getting told that my account has not been uploaded yet. I seem to be getting the run around. 
I have never been late and am devastated that this {$33.00} has ruined my credit.
Consumer complaint received 2022-06-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (CA)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  - NUMBER XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

( 30 ) DAYS LATE PAYMENT REPORTED TO ALL 3 CREDIT REPORTING AGENCIES
Consumer complaint received 2022-06-18
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. (MD)

In accordance with the Fair Credit Reporting act, XXXX XXXX  XXXX Account # XXXX ; XXXX, Account # XXXX ; XXXX, Account # XXXX ; XXXX XXXX, Account # XXXX ; DEPT OF EDXXXX XXXX  Account # XXXX ; XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ; DEPTEDXXXX  Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2023-03-20
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)

In XX/XX/2023, I paid off the account I had with XXXX XXXX, which was now housed with XXXX XXXX XXXX. The Balance was updated on XX/XX/2023 but still shows I have them as as open item in collections in all 3 bureaus. I need it updated that I DO NOT have them in Collections anymore. I have paid them.
Consumer complaint received 2022-06-18
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. (NY)

In accordance with the fair credit reporting act these following accounts have violated my rights Account Name : XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 Section602 A States I have a right to privacy 15 U.S.C 1681 Section604 B States a consumer reporting agency can not furnish an account without my written instructions
Consumer complaint received 2022-06-18
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: Experian Information Solutions Inc. (DC)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, Dept. Of Education Account # XXXX, XXXX XXXX And XXXX account # XXXX, has violated my rights. 

15 USC 1681 602 ( A ) States I have the right to privacy.

15 USC 1681 604 ( A ) Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2022-06-18
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. (DC)

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, Dept. Of Education Account # XXXX, XXXX XXXX And XXXX account # XXXX, has violated my rights. 

15 USC 1681 602 ( A ) States I have the right to privacy.

15 USC 1681 604 ( A ) Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.