davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-05
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivables Performance Management, LLC (PA)

I'm a victim of identity theft for to many years and I have to many collections in my credit report that doesn't belong to me. I'm only live in Pennsylvania and there's accounts from others states that appears in my credit report and differents address that I didn't even know. Can somebody PLEASE HELP ME?? This is ruin my credit and my life.
Consumer complaint received 2023-04-05
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. (FL)

in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violate my right XXXX XXXX XXXX XXXX XXXX account # XXXX has violated my right XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my right XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my right XXXX XXXX XXXX XXXX XXXX  account # XXXX, has violated my right XXXX account # XXXX, has violated my right. 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 state a consumer reporting agency can not fumish a account without my written instructions
Consumer complaint received 2023-02-10
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-20
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc. (FL)

In XXXX I was sent a notice by CCS Collections that XXXX had submitted a claim. I made a payment agreement with them so that they did not report. It was a bi weekly payment agreement. A month later, after making my payments, the debt was reflected on my credit report. I then paid off the whole balance. The company agreed a pay for deletion. Now I can not get a hold on anyone and they refuse to remove this paid account off of my credit report. the balance reflected {$130.00}.
Consumer complaint received 2023-02-10
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2019-09-19
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Bread Financial Holdings, Inc. (WI)

In the past I had an Elder Beerman credit card which I have not used since XX/XX/XXXX. Bonton took over the company. 
Between XX/XX/XXXX and XX/XX/XXXX I worked with a debt settlement company. The last thing I remember about paying a bill to you was sending a check and it was returned to me in the mail. I also tried to do an online payment and it didnt work. I didn't pursue it and my work moved to a different state. I also never received bills from you. 9 years later I received calls from a collection agency that wanted me to settle with cash or they would serve me legal court documents. They say they had served me papers which I never received. They called my office and even talked to my employees. They never sent me anything in writing. I didnt respond because their number was reported as a scam. 
Forward now to XX/XX/XXXX I now live in another state due to work. Another collection agency called my son who lives in another state and said that I needed to contact them or they would make a decision without me. I called yesterday and they said they sent me papers 38 days ago, which I never received, and they decided to be gracious and give me 24 hours to respond to an email. The email was asking for a settlement amount and I had to pay all with a credit card. They gave me no other options and called today saying my 24 hours was up. How am I supposed to know if they truly represent you and that they are not a scam? 
The last time I used my card was in XX/XX/XXXX, 14 years ago. 
In XX/XX/XXXX I tried to send your company an email regard this but received no response.
Consumer complaint received 2023-03-20
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (FL)

Since my loans were originated with NewRez, they have been on automatic ACH payment with the company. In XXXX 2022, my ACH was canceled because NewRez was unable to locate my account and NewRez did not notify me of the cancelation. A representative called me to collect the payment and when we discussed the payment history, the representative confirmed that I was not notified of that error or challenge on NewRez 's part, and reversed the late fee. I re-established the reoccurring payment since that time, and payments for 3 of my accounts were withdrawn via NewRez ACH. I have confirmation emails subjected " Your recurring payment has been submitted '' from XXXX and XXXX. On XX/XX/XXXX, all three loans were sold, but no notification was made to me that there was any change in servicing or that my automatic payments were being stopped. ( I was only able to ascertain this informationby reviewing my payment history in NewRez 's portal ). I have still not received any notification of a change in servicer. On XX/XX/XXXX, a rep called me to say the payments were not received. I confirmed that the XXXX and XXXX payments were automatically drafted, and we talked through why my ACH was not taken out, and the rep stated that when the loan was sold, it may have canceled the ACH, but no notification was sent. I requested the late fees reversed, as NewRez failed to notify us that the payment I authorized was canceled and I have not received any notification of a change in servicer. When I called on XX/XX/XXXX, the rep and manager said they had no notes or documentation of a call on XX/XX/XXXX. I was also denied my request to reverse the late fees. I requested that the recording of the XX/XX/XXXX call be pulled for reference and requested an investigation about what occurred between the XX/XX/XXXX payments and the ACH payments being stopped, without notice. The representative told me that no one would call me back andthat nothing could be done. These late fees and any record of late payments on my account are inaccurate and I am requesting full and complete documentation about what has occurred on my accounts. I am very concerned about NewRez inaccurately reporting to the credit bureaus on my behalf or continue to charge unwarranted fees.
Consumer complaint received 2020-08-03
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: REGIONS FINANCIAL CORPORATION (SC)

On XXXX, a charge of {$10000.00} was made on my Regions credit card from the company XXXX XXXX. I never signed any receipt for this charge, and i never received any products or services from this company.
Consumer complaint received 2019-05-01
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: Experian Information Solutions Inc. (AR)

XXXX Experian XXXX - P.O. Box XXXX, XXXX, PA XXXX I wrote a letter on XX/XX/XXXX to have the following unauthorized credit inquiries removed off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX Financial XXXX cars. 
I wrote a 2nd request on XX/XX/XXXX and have not received a response.
Consumer complaint received 2015-10-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (CA)

I paid off the amazon store card in full and closed the account. Apparently a refund arrived on the card at some point and I am owed some amount of money. The collection company seems to think that because the balance is not XXXX I owe them something and they call 5 times a day. However, if I actually talk to them they realize after wasting 10 minutes of my time that they owe the money to me! While they promise to send me a check and correct the account, this never happens. And an hour or two later they will call again! This has gone on for weeks. 

SynchronyBank, via Amazon Store Card program.
Consumer complaint received 2016-02-16
Product: Credit card — 
Issue: Cash advance fee — 
Company: BARCLAYS BANK DELAWARE (OH)

I opened a checking account funded with my Barclays Wyndham credit card for {$10000.00}, and they posted the transaction as a cash advance and charged me a {$500.00} cash advance fee. The charge should NEVER have gone through as my cash advance limit was limited to {$6000.00}. This is a security issue on their part letting transactions go through that are higher than the stated limits on the card.
Consumer complaint received 2021-02-11
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc. (NY)

XXXX emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian referencing ac # XXXX, XXXX, XXXX and XXXX XX/XX/XXXX, XXXX,XX/XX/XXXX XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX. XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XX/XX/XXXX. Additionally, XXXX XXXX XXXX XXXX complaints are XXXX, XXXX, XXXX and XXXX. 

By its repeatedly demonstrated actions and refusing to email XXXX a copy of the auto lease contract, signed by XXXX XXXX XXXX, XXXX dated after XX/XX/XXXX or email XXXX the non-existence of such contract and total removal of XXXX from its credit report Experian willingly continues to participate in XXXX  fraudulent scheme. One of many of Experians corrupt participation is its recent attached, issue deferral, communications, report # XXXX. 

XXXX in part states : if account was opened as a result of identity theft, credit grantor may not know to contact you to discuss this matter The most recent contact to both Experian and XXXX is : Email to : XXXX, XXXX and XXXX, subject : XXXX Request : XXXX XXXX # XXXX, XX/XX/XXXX XXXX in part stating : Attached is the XX/XX/XXXX dated letter I USPS received from XXXX XX/XX/XXXX XXXX If in fact XXXX did not backdate this letter it was more than 100 times requested to email this attachment to me. Also attached is the completed ID Theft Affidavit. Experian respectfully you have in YOUR possession the ID Theft Affidavit. To avoid increasing damages please return email that XXXX # XXXX is totally removed from my personal credit report. 

Experian has been repeatedly advised to request of XXXX XXXX XXXX XXXX its XXXX mail dated XX/XX/XXXX in part stating : account # XXXX we have received your transfer of lease package. At this time, your request can not be processedExpired ; applicant will need to submit a new credit application to restart the TOL process The existence of this XX/XX/XXXX letter has been recently learned verified by : From : XXXX, XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX Subject : RE : XXXX XXXX Good Afternoon : I received a call back from XXXX XXXX XXXX notes on the account say : XXXX XXXX CONTRACTCONTRACT HAS EXPIRED XX/XX/20..WILL HAVE TO START TOL PROCESS OVER AGAIN *SENT OUT CREDIT APPLICATION VIA REGULAR MAIL*XXXX  I never received anything back and Mr. XXXX and I assumed that it would be okay for this to come in to usis there any way that we can XXXX run this for Mr. XXXX? 

Thanks. 

XXXX XXXX XXXX Customer Service | XXXX XXXX XXXX Credit Report # XXXX is FRAUD.
Consumer complaint received 2023-02-10
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. (SC)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2016-01-19
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (SC)

The scammers are using at least XXXX different names, XXXX lead to the same area of XXXX California. Someone calls my cell and leaves a message ( or they call my employer saying someone has legal papers to deliver to me ) that there is " complaint '' against me ( that was the first call in XXXX ) from a female. The second call on Thursday XXXX XXXX came from a XXXX XXXX with XXXX saying there were some " Undelivered '' papers for me and to call XXXX with a reference number. Answering that number was someone who sounded exactly like XXXX XXXX, but said his name was XXXX XXXX XXXX *I 've been in the XXXX for 45 years, I can tell voices. He gave me their address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX. The first call in XXXX went to XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX I think their number is XXXX. The tactics are similar and the businesses are geographically close so there indeed may be a tie in ... They are calling about a debt that is past Statue Of LImitations in South Carolina.
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (WI)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Credit Bureau, I am writing to dispute the negative items listed on my credit report. Upon reviewing my report, I have identified several inaccurate and misleading pieces of information that have contributed to my low credit score. I request that you investigate and correct the following items in accordance with the Fair Credit Reporting Act ( FCRA ) : Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I dispute the accuracy of this account and request that you delete it from my credit report immediately. 

XXXX  Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I dispute the accuracy of this account and request that you delete it from my credit report. 

XXXX XXXX  XXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you verify the accuracy of the payment status, balance, comments, payment history, and account number associated with this account. If there are any inaccuracies, please correct them or delete the account from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you verify the accuracy of the payment status, balance, comments, payment history, and account number associated with this account. If there are any inaccuracies, please correct them or delete the account from my credit report in accordance with FCRA Section 611 ( a ) ( 1 ) ( B ).

The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report.

The following personal information is incorrect : Account Number : STUDENT - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report.

The following personal information is incorrect : Account Number : XXXXXXXX XXXX- Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this incorrect information from my credit report. 

Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this inaccurate account from my credit report, as other credit bureaus have already done so. 

Account Number : XXXX - Pursuant to FCRA Section 611 ( a ) ( 1 ) ( A ), I request that you delete this inaccurate account from my credit report, as other credit bureaus have already done so.

I expect your prompt response and investigation of these matters, in accordance with FCRA Section 611 ( a ) ( 2 ).

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Consumer complaint received 2021-04-19
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions (SC)

In XXXX of XXXX I had been contacted by Rent Recovery Solutions in attempt to collect a debt of {$930.00}. To my surprise this debt had been from a rental company that I had moved out of in XXXX of XXXX. I never received any proof in writing. I verbally contested the validity of the amount. I also sent a validation request to the collection agency on XX/XX/XXXX certified mail. I have the receipt. I received no response. Recently I got ahold of the original creditor who admitted they had made a mistake in how they reported the debt. They have sent documents to prove my case in this matter. This collection has been showing incorrect on my report for a year now. The collection company along with the original creditor, and the bureaus have all shown negligence in this matter. Neither of the 3 will acknowledge they have broken laws of the FCRA. Rent Recovery Solutions along with all other three parties have shown predatory practices in my particular case and I've noticed many others. 
This is defamation of character.
Consumer complaint received 2023-02-10
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. (GA)

I am currently looking to make a business investment and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX - XXXX... 
XXXX - XXXX... 
XXXX - XXXX... 
XXXX - XXXX... 
XXXX OF XXXX - XXXX... 
XXXX XXXX - XXXX... 
XXXX - XXXX... 
BANK XXXX XXXX - XXXX... 
XXXX - XXXX... 
XXXX - XXXX... 
XXXXXXXX XXXX XXXX XXXX XXXX 
XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.
Consumer complaint received 2023-03-20
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Kabompo Holdings, Ltd. ()

I have opened the account with Paxos on XXXX. Then I sending money XXXX XXXX from my XXXX account to the Paxos. Normally it will arrive within minutes but since XX/XX/XXXX the money is still being processed. I tried all the way to call to send email. Paxos only reply to me to wait and they are busy. No real one is working on my issue. 

2023 Paxos Trust Company , LLC All Rights Reserved. XXXX # XXXX
Consumer complaint received 2023-03-20
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (TX)

XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing in regards to the negative items listed on my credit report. Specifically, I would like to address the following accounts : XXXX XXXX XXXXXXXX - Account Number : XXXX I have noticed that you have reported this account as updated, however, the same incorrect information is still being reported and nothing has been updated. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) as inaccurate reporting is not allowed. I would like to bring to your attention that the reported late payments are inaccurate and I request that you remove them from my account as soon as possible. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX - Account Number : XXXX Similarly, I have noticed that you have reported this account as updated, but again, the same incorrect information is still being reported and nothing has been updated. This is also a violation of the FCRA. I would like to request that you remove the reported late payments from my account as soon as possible. 

I believe that the inaccurate reporting of these late payments is having a negative impact on my credit score and financial well-being. As a consumer, I have the right to accurate credit reporting under the FCRA. Therefore, I kindly request that you take immediate action to rectify this matter and update my credit report accordingly.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX