davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A. (PA)

Two major charges, one for {$4900.00} dated XX/XX/2019, and one for {$9500.00} dated XX/XX/2019, and both for payments made to XXXX XXXX in Virginia, and which more than doubled authorized credit allowed for this credit card account, appeared in statement for XX/XX/2019. I was not notified of this unauthorized overcharge by the company prior to receiving monthly statement, and there is no evidence to me otherwise of red flagging for these major charges. I spoke with Customer Service representative for credit card on two occasions, lastly on XX/XX/2019, and have spoken with companys fraud desk, lastly on XX/XX/2019 and XX/XX/2019, and was told in first instance that next statement should reflect a correction or adjustment and in last instance that they ( fraud desk ) were waiting to hear back still from merchant vendor, that is, XXXX XXXX. 
I am concerned that these unauthorized charges were recorded in the first place, that I was not immediately notified by phone questioning me if I had actually made those charges, and for amount of time already involved in resolving this matter to my satisfactionwith all unauthorized charges and related interest removed.
Consumer complaint received 2019-11-04
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc. (GA)

This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Consumer complaint received 2022-07-07
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Action Revenue Recovery, LLC (LA)

Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2019-11-04
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica (WV)

I receive XXXX for myself and dependant children, on Direct Express ... XXXX mistakingly deducted {$620.00} off of my card.I resolved this situation with this entity. They canceled the transactions to be placed back on to my card ... I have called Direct Express over 50 times ... they Hang up on u!!!! I Even called Comerica bank the issuing bank under contract with the federal government ... no one picks up!! As soon as I stated direct express on automated service, it's over with for me!! ..All I want is confirmation that they are going to put that money back on my card that XXXX has already released to it. This is the money we survive on! I have minor children ..and none of these people care cuz it isn't them dealing with it.
Consumer complaint received 2023-06-27
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: SANTANDER HOLDINGS USA, INC. (TX)

On XX/XX/XXXX my credit report was pulled from 9 financial institutions. Those companies that are reporting on my XXXX Credit report are Santander Consumer USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As well as XXXX XXXX  on XX/XX/XXXX I have received my own financing from my bank XXXX  where they gave me a check for the total amount for the car I was purchasing. I never gave XXXX or any other financial institution any access or authorization to run my credit or get any information since I will be able to provide the finances to purchase the vehicle with the help of my bank. 

Now years later I am seeing all these hard inquires on my credit report without any idea who they were from or why they pulled my credit.
Consumer complaint received 2022-03-22
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)

My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.
Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc. (NJ)

PayPal signed me up for a credit card without my consent and then charged me {$45.00} dollars fee on XX/XX/XXXX. I did n't know my rights, so after paying I contacted customer service to dispute this charges and I was told that there was nothing they could do because I have already paid. It is now XX/XX/XXXX and now I received a letter from PayPal stating that I owe them {$10.00}. When I call the XXXX hot line I was asked how I was going to pay the {$10.00}. So I asked them what is this fees for. I told them that I have asked them to close my account which they did. I asked the representative to explain the charges since I had already paid the balance plus late fees even though it was something I did n't authorized. She put me on hold and after 6 minutes of waiting on hold she apologized and informed me that they have made a mistake. The {$10.00} fees were charges of {$2.00} for each month for the last 5 months on a XXXX balance account that was closed. I told her that I was going to put a complain because I am sure that this has happened to many people out there. This seems to be a very successful scam that PayPal is running.
Consumer complaint received 2022-03-22
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (FL)

AN ACCOUNT IS BEING REPORTED ON MY CREDIT REPORT, I HAVE SENT MANY LETTERS ASKING HOW THIS ACCOUNT BELONGS TO MY AND IF ANY DOCUMENTATION COULD BE SENT TO VALIDATE THIS ACCOUNT. I HAVE NOT RECEIVED ANY INFORMATION. I HAVE SENT IN FTC REPORTS AND POLICE REPORTS AS PROVE AND IT AS GONE UNFOUNDED.
Consumer complaint received 2019-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HCFS Healthcare Financial Services of TeamHealth (OH)

I recently learned about important credit is and so I decided a few months ago to pull my credit report for the first time and as I did that I fount a collection on my account from XXXX   XXXX XXXX. it is a medical bill that I never have heard of these people and I also have never been with insurance. I have had XXXX  since I was XXXX years old and I am now XXXX. There is no way that this bill can be legit with me haven for one no  acknowledgement of it and also it reporting that I would of owed something for the simple fact that I have had insurance my whole adulthood. I have many many times disputes this account I have kept getting the verified status back but never received a single paper of how this account was verified I even called this company and stated to them as what I wrote before and they were unwilling to help me or take my insurance number or my information to actually VERIFY THAT if this WAS MY ACCOUNT it would have been paid by my insurance. Ive sent my ftc report Ive sent proof my insurance I have sent everything needed to prove myself and havent got anything back to show me proof of there verification but state this is my account and hasnt even tried billing insurance or sent them a bill. I called my insurance couple and they stated I have had no lapse in my insurance and I know this because I XXXX my son in 2012 and I had insurance whole 2012 so I decided to give XXXX  XXXX a call back and again was unwilling to help me and my insurance stated to me give them my insurance billing number and tell them I had insurance If this is my account they need to send caresource a bill as if this was legit mine that they would have paid it and this company XXXX XXXX was unwilling to help me at all and by all means this is violation of my rights to keep reporting this inaccurate information on my credit report that shows it is reporting different information on each credit report and that I have no acknowledgment of this account for fact I have had insurance and my insurance states they didnt bill them nothing and this company wouldnt take my insurance billing information and send it off to them and this needs to be deleted now
Consumer complaint received 2022-03-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PRONTO FINANCE INC. (IL)

I had a car loan with Pronto finance. ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ) back in XXXX the car was repossessed, my wages were garnished for the balance, and the account was closed. The loan company continues to report this account as a new account, owing to a balance. This is not true, and the account should have been removed from my profile several months ago. They are using this tactic to interfere with my ability to get approved on other things. This is an unfair practice and is impacting me tremendously. They reported it as close to one credit bureau but will not send the information to all three.
Consumer complaint received 2019-11-04
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY (PA)

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that WELLS FARGO HOME MOR has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Consumer complaint received 2020-11-11
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. (IN)

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Consumer complaint received 2019-08-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westwood Legal (ID)

I was contacted XX/XX/XXXX by XXXX XXXX with Trinity Everest Associates claiming there is pending action and a lawsuit against me for an unpaid XX/XX/XXXX Visa account and all bank accounts, tax returns and anything tied to my social security number would be frozen. I have no bad debt, and dealt with a fraudulent claim in XX/XX/XXXX regarding the same account number he provided. I told him this, at first he was nice, said he would help. I said I've received nothing by mail. I felt it would be best to avoid giving any personal data that could be used if this was a phishing call, or attempted fraud. He claimed they mailed notice on XXXX to a street address I lived at in XXXX, but coupled with a city I lived in in XXXX, and my current home address. Told him nothing has been received at that address. He asked if it was my current address and I repeated nothing has been received at that address. He demanded to know if it was my home address and I said I didn't intend to verify or provide any information except to prove the debt wasn't mine. He became belligerent, said I had 2 hours to provide a letter to prove that. I stated I was at work and couldn't do that. He asked when I would be home, I said around XXXX XX/XX/XXXX. He asked where I was, I thought to determine time zone. I said I was in XXXX XXXX and he cut me off, became furious, said OH, now you are in XXXX, your account won't be here by then. They will just proceed to sue you. I was flustered, stated I worked in an adjacent state, which I should not have revealed. He said we were done, gave his extension was XXXX and said good luck and hung up on me. I called XXXX Visa and confirmed there was never an account with that number in my name. They have records of the problem in XX/XX/XXXX. I have documentation the XXXX account I did have was paid in full to the company that acquired that debt. They called from XXXX and left call back number of XXXX
Consumer complaint received 2022-03-22
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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I have been working for almost a year to get these items removed on my credit report. I am a victim of identity theft and have been sending letters to the bureaus but they remained in my credit report. I hope you can do something about my situation. Thanks
Consumer complaint received 2017-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (CA)

I had an issue with fraudulent applications being submitted and subsequently the banking institutions ( some not all ) notified me regarding fraudulent account openings/attempts. This was in  XXXX  I notified the agencies to place a fraud notice on my file. This happened again in  XXXX .
Consumer complaint received 2017-06-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (SC)

In  XX/XX/XXXX I was made aware that I became a victim of identity theft when someone unknown to date used my information and attempted to file a tax return. I followed all steps and even filed my affidavit with the IRS in   XX/XX/XXXX   In   XX/XX/XXXX   when pulling my credit report I discovered that Portfolio Recovery   XXXX  b ought an account and started reporting it to my credit report I have disputed this account over and over and not being knowledgeable of all the credit laws I did not know that this company had to provide me debt validation upon my request over and over I disputed this as a fraudulent account the only reason I did n't have a police report is because I had no information to provide as to who was n't using my information .I filed many disputes with the credit bureaus that the debt is not valid and not mine and each time Portfolio Recovery has sent back as " verified  '' .Upon  reviewing all FCRA laws I sent the company a letter of validation XX/XX/XXXX  requesting proof of the debt because I know this is not my debt. I hold  one    XXXX   XXXX   account that I opened in XX/XX/XXXX  that is the only   XXXX   Or account I have ever had. I sent a certifed letter to the address the company has on my file requesting validation and today XX/XX/XXXX  they did not sign for it and it returned back to me as undelivered due to address they have again have reported to the credit bureaus that the debt is valid effective XX/XX/XXXX  what documents are they using to validate this debt this debt does not meet FRCA guidelines because they never ever sent me any validation ever. Proof of the account address information nothing showing that I am liable for a debt or in any contract with  Portfolio Recovery   XXXX   for a debt. I am a victim of identity theft and I want this account removed it is not mine. Please see the attached documents in regards to my claim/dispute
Consumer complaint received 2022-03-22
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. (MO)

I did not submitted or requested several inquiries on my credit reports from all 3 credit bureaus. I have multiple fraudulent inquiries on my credit that were not my requests.
Consumer complaint received 2019-11-04
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO. (CA)

In XX/XX/13 i was granted a divorce and the assets were divided between my ex-wife and myself. I continued to make my payments on time with no late payments. My ex-wife didn't pay the creditors and had a foreclosure and numerous late payments. We have ( 3 ) lines of credit with chase bank that are joint accounts. I purchased one of the properties back from the ex-wife, and she continues to pay the other two. The one I purchase from her had a line of credit of {$240000.00} which I have paid down to {$130000.00}. I have tried to refi the line of credit with chase bank and they refuse issure a new line in my name only and will not allow me to take my name off the two she still has. My credit has continue to be perfect with never having a late payment. I tried to get a line of credit with XXXX XXXX XXXX and because of the foreclosure and her late payments they will not give me the credit, not to mention the hard inquiries bring down my credit score. The properties have a grant deed to each of our names individually. I have no control of her properties.
Consumer complaint received 2019-11-04
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Onity Group Inc. (PA)

I tried to set up a repayment plan with PHH. By stating that on XX/XX/XXXX I was going to pay {$1500.00} with a 5 day grace period and the rest to be divided by the rest of the loan. On XX/XX/XXXX I got an email from PHH stating that they could not set that up because my mortgage ends on XX/XX/XXXX which they should have known. So I emailed back stating that can we not do it for the remaining months so I can refinance and be done with each other. 
While I was waiting for a reply to my email I received the letter dated on XX/XX/XXXX that they handed my account to the lawyer to start foreclosure. So how is that possible? Why are you working on a plan with me yet not working on really? 
Please help me get it fixed so that I can get on a payment plan or get it modified. 
I did everything I can to get this back on track they turned me down. I want to keep my house. I want to stay in my house.
Consumer complaint received 2019-08-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

I sent in a dispute to all credit agencies in XXXX of 2019. Pro collect sebt paperwork back and i sent in my copies. They stipl will not remove it even though i encluded all my documentation. There paperwork is wrong. They stated my move out date was a different date then the date i moved out. Also the original creditor XXXX XXXX XXXX is no longer valid. They shut down due to fraudlent practices.
Consumer complaint received 2024-02-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (NC)

Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-11-04
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK (NY)

On XX/XX/XXXX, I lost my job after working for the smae non for profit as a XXXX XXXX XXXX/XXXX. XXXX  for almost 20 years. Shortly after losing my job, and trying to seek a new one, I began the process of notifying in writing and by telepohne, my Creditors ( Discover, XXXX XXXX, XXXX, XXXX, XXXX XXXX ) that I had lost my job and was seeking to re organize my debt to pay it a different way. In XXXX, XXXX I had engaged XXXX XXXX XXXX to assist me in seeking debty negotiation, to settle all acccounts. XXXX XXXX  Neglected to contact my creditors and instead, they claimed to " negotiate '' settlemtns after my credit cards had gone into default and were sent to collections companies which also ruined my credit, something I wanted to avert. 
Presenlty, Discover Card account ending in XXXX was sold to XXXX XXXX ( Arizona ) a debt collection company that uses threats and intimidation tactics, they have failed to negotiate a resonable settlement, and their numbers are wrong! XXXX XXXX, and XXXX ( Discover Card sold my alleged debt to XXXX ) will not speak with me although I have written to them ( I have proof ), and telephoned them numerous times in an attmept to settle my obligation to them, but they are playing hard ball. 
I did settle on my own, two accounts with XXXX XXXX, XXXX ( the gave me very reasonable terms, and were nice about settling with me. ), XXXX XXXX, and XXXX credit card ending in XXXX.