davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-05-27
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

I called Select portfolio on several occasions and informed them when I was going to pay them but instead they acted as if I never called and arranged payment. They then sent a person to my house to bring papers after speaking to me more  than 2 weeks   prior. Then I receive a letter from  XXXX  a collection agency advising of the debt but I was already given a time frame to get my payments up too date. This company is not keeping track of communication from their mortgage holders and sending mortgage holders to collection agency and sendi ng door knockers for no apparent reaso n after they have already received calls in order to bill a mortgage holder for services that are not necessary and to be harassed by a collection company at the same time after they have accepted payment arrangement.
Consumer complaint received 2023-04-11
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Recovery Group, Inc. (WA)

I was notified about a debt through a lawsuit. There is no information provided about the debt owed. After a review of medical bills and health insurance records, I find no debt owed to the XXXX. Now, this debt collector is threatening me with legals fees and seeking a settlement. The alleged debt owed is {$570.00} and a lawsuit is a very heavy-handed approach. I'm not an attorney and it's costly to hire one for the amount in question.
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC (FL)

*****************************NOT A DUPLICATE************************************** Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with ABILITY RECOVERY SERVICES LLC. I have never done business with this company. I am not liable for collection from this debt from ABILITY RECOVERY SERVICES LLC. I am not responsible for this debt with ABILITY RECOVERY SERVICES LLC. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Consumer complaint received 2019-06-24
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (DE)

XX/XX/XXXX I purchased 2 tickets from a seller on XXXX. The seller called me and texted me all the details for payment. I paid through PayPal using my bank account but Paypal will not dispute the transaction because it was not sent " goods or services '' I'm not sure why it went through PayPal that way. I received the tickets via XXXX  and upon arrival at the concert the tickets would not scan. Customer service at the concert informed me that the tickets were flagged in the system for fraudulent activity. Subsequent calls and texts to the seller went unanswered.
Consumer complaint received 2019-06-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Security Credit Services, LLC (OH)

Security Credit Services is stating they purchased a debt from a company called XXXX XXXX XXXX XXXX. Attempted to explain original creditor is XXXX. Security Credit services stated they are the same company but operate under a diffrent name. I asked them to provide a document that I signed but they said they couldnt do that unless I was starting a fraud investigation. Told them my uncle is an attorney and he stated under section 623 the debt collector and original creditor has to provide valid proof of said debt. 

I want to see a signed copy of the contract That shows my signature. Not a billing statement or any computed generated form. 
A signed documents with proof of my signature.
Consumer complaint received 2020-02-07
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)

XXXX XXXX sent me an email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please delete these accounts from my report. 

XXXX XXXX XXXX XXXX {$22000.00} XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX   XXXX {$1700.00} XXXX XXXX XXXX {$480.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Consumer complaint received 2019-06-24
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. (NY)

I am in the middle of a home purchase! I consolidated my student loan through XXXX. This is good! However, when it came to the XXXX reporting it has been a horrible experience. XXXX first reported to the bureau that the loans were paid. This reporting shows in my positive section. However, Instead of XXXX reporting that the loans are paid, closed due to consolidation the loans are reporting twice. They also report that the loans are closed which has a negative impact and the loans are listed as an negative item. This has caused my score to drop significantly 30-100 points on each of my reports.. Then finally they report the new consolidation as a NEW loan. The loans are reporting as closed. Not closed & paid, or consolidated. This is unfair to the consumer. They are making 3 different reportings all for one transaction. I am unable to close on my home. I have worked over a year to get this report in order and have succeeded. Please help as I am certain that XXXX is causing multiple customers this pain. I have reached out to XXXX by phone as well as letter. I was informed that this is how they report. 

I have included a statement of my navient account. Also, the date they have listed as my new account date is incorrect. The XX/XX/2019 date is the pay off date for my loans. 

Thanks
Consumer complaint received 2019-04-15
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

It is obvious that you dont have any proof on file to verify that these accounts belong on my file. When we go to litigation you will be required to produce the documents you used to verify these items through the discovery process and since you dont have any documents in your files verifying that these items are valid then that will be proof that you did not properly verify the accounts and they will have to be deleted and Ill be  entitled to damages.
Consumer complaint received 2022-04-08
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. (NY)

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help
Consumer complaint received 2021-10-17
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: AMERICAN EXPRESS COMPANY (MI)

There are inquiries from American Express and XXXX XXXX and XXXX XXXX on my XXXX Credit report which do not belong to me or i did not apply for as a result I have placed a 90 fraud alert on my XXXX credit report XX/XX/2021 with American Express is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 

XX/XX/2021 with XXXX XXXX XXXX is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if online please provide the ip address. 
**There was a line of credit opened which I had immediately closed. 

XX/XX/2021 A XXXX  XXXX inquiry is not mine or I did not apply for and requesting it either be removed or provide proof I applied for this card. Included with the proof I am requesting by which method was the application i.e. online, via phone or in person, if
Consumer complaint received 2023-07-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK (IN)

Discover it card company asked me to do the ID verification on XXXX. 
I submitted the notarized ID verification form on XXXX. XXXX. I call the company everyday to check if they received the form. Finally, they received on XXXX. 
Normally, the ID verification form review process is XXXX business days. I called multiple times to check if review finished in the past several days. The company didn't send me any e-mail or give me a call to update the status. 
Today, I call them again. They said my ID verification process was failed as they called the notary twice ( XXXX and XXXX ). But she didn't pickup the call. They only call XXXX times for the whole review process. Now, They asked me to re-do the ID verification with a new notary. 
I explained the notary ( XXXX XXXXXXXX XXXX ) is out of office as this week is holiday. If can extend to next week to check with notary. But they rejected and still asked me to re-do the ID verification form. 
I am not sure why Discover it card company insist only call the notary twice for the review process. It's really not a good customer service experience.
Consumer complaint received 2019-01-01
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC. (FL)

on XX/XX/2017 medical collection is showing on my Equifax it is not my bill and obtained by fraud a derogatory remark was filed on my report I have previously contacted this company with no avail to remove it, there are two amounts in the amount of {$140.00} and XXXX XXXX  and XXXX  already remove it from there consumer report per FCRA Equifax has to remove it too.
Consumer complaint received 2021-10-17
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: MUFG AMERICAS HOLDINGS CORPORATION (CA)

Atm shut down before withdrawal was completed but the bank still took XXXX dollars out of my account even though the machine gave me nothing. And they are not helping at all its been 2 weeks plus with no answer back to my complaint im on XXXX and a tight budget every XXXX counts.
Consumer complaint received 2021-06-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

i have been sending letters to the cras ( TRANSUNION, XXXX XXXX XXXX to get this matter corrected since XX/XX/2021and they has done nothing or responded to my letters, it has been more than 30 days without no response.i am complaining about the inaccurate bankruptcy that they are reporting and won't delete it from my credit report.i even sent more letters off on XX/XX/2021 about the same situation and i am getting stress out behind this cause i am getting taking advantage of. they wont update the inaccurate personal information either.
Consumer complaint received 2019-10-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NE)

Good day, I'm appealing for help to understand how it is possible that Credit Bureaus can report inaccurate information on Consumer Credit Reports. 
A Bankruptcy is reported in my Transunion Credit report and my XXXX Credit Report, and how is not reported in XXXX Credit Report? That mean Credit Bureaus report whatever they want, is not matter if is accurate or not. Also Bankruptcy Court don't share information with Credit Bureaus, having said that they should get the information from the same Furnisher.
Consumer complaint received 2020-09-25
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: MNS & Associates LLC (FL)

Company is calling others regarding a debt. NO notice has been sent. Company is threating to take legal action and stating that I just don't want to pay my bills. Company only verified DOB and did not ask any verification questions or have me verify any information. Company does not appear to be a licensed collection co. When I asked for a fax number to send correspondence the rep told me that she would introduce me to her friend the dial tone. The first guy hung up when I ask him to acknowledge that I was disputing the debt validity.
Consumer complaint received 2021-10-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: LendUp Loans LLC (LA)

I took out two single payment loans with LendUp on XX/XX/XXXX and XX/XX/XXXX. The XX/XX/XXXX loan was in the amount of {$200.00} with an interest rate of 401.50 %. I repaid this loan as agreed on XX/XX/XXXX in the amount of {$230.00}. The XX/XX/XXXX loan was in the amount of {$350.00} with an interest rate of 521.32 %. I repaid this loan as agreed on XX/XX/XXXX in the amount of {$390.00}. 

While browsing recent CFPB actions, I noticed that the CFPB had filed a lawsuit against LendUp for violating the terms of a previous settlement amongst other illegal and fraudulent activity. Just as alleged in the CFPB complaint, I gained no benefit from being a repeat borrower with LendUp. Indeed, my second loan was issued at a HIGHER interest rate than my first and this loan was confected after the time period noted in the lawsuit. 

Interestingly, the company website now states that it's no longer in the business of direct lending, but does inform customers : " Although we're no longer lending, were now working with some third-party lenders to oer our customers multi-payment installment loans in higher amounts with longer repayment terms than the loans we previously oered. Enjoy the exibility and convenience of this new customer experience. '' I can only imagine that the third party lenders will continue exploiting consumers by engaging in usury and doing everything they can to evade state & federal regulation.
Consumer complaint received 2018-01-14
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)

This letter shall serve as file a Complaint with the FTC, due to your blatant and objectionable disregard of the law. Since XXXX of 2015 I have been going sending certified mail letters to you guys regrading XXXX XXXX XXXX. I have kept a heathy record of all of my tracking numbers. You guys have verified all my Disputes. I am in disbelief that you guys can verify an account that is not mines. You guys have violated my right and filing this complaint with the FTC was my only options. I have been denied credit cards, Mortgages, and etc. Due to your guys lack of knowledge on the law made my life a living XXXX. You guys have ignored a number of written request to investigate my claim. Furthermore, I did my own investigation and found that XXXX XXXX XXXX have questionable bill Practice and is running a scheme not a business. PLEASE UPDATE MY FILES AND REMOVE XXXX XXXX XXXX OFF MY CREDIT FILES!
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2020-02-08
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: CAPITAL ONE FINANCIAL CORPORATION (AZ)

My ex-husband and I divorced on XX/XX/XXXX and he was left responsible for the Cabella 's Capital One Card in his name. The Cabella 's Capital One card that was in my name was closed XX/XX/XXXX due to never being used. I received a bill from Cabella 's Capital One that still had my name attached to it in XX/XX/2020. I contacted Capital One on XX/XX/2020, XX/XX/2020, and XX/XX/2020 to request my name be removed from the Cabella 's Card in my ex-husbands name. I requested proof of statement that I had authorized to be an authorized user on his card and Capital One has not provided any proof. Capital One is refusing to take my name off the card until the card is closed. My ex-husband has over {$17000.00} in charges on the account and unable pay it off. As a result Capital One has reported my name attached to Cabella 's Card as a joint account member to the Credit Bureaus and now my credit rating is poor. I have always paid my bills on time and had excellent credit.
Consumer complaint received 2023-06-29
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. (TX)

these unathorize inquiries was open without my permission XXXX XXXX XXXX XX/XX/23 XXXX XXXX XXXX XX/XX/23