davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-12-17
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nationwide Recovery Systems, Ltd (AZ)

I recieved a notice on my credit report in XXXX That i owe an amount I never recieved a noticed and first of all I havent been to a doctor in years, years and we all know when we do go to a doctor they have us sign a document that says our information cant and will not be sent to a third party. But you lied they say I owe XXXX this need to be removed off my report ASAP because its not right why have a law if we not going to abide by it? Its a crime and I know if I submit a crime Ill be in jail right? Ok then I dont even have an account number with them
Consumer complaint received 2024-05-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CBC Companies, Inc. (CA)

Please Note that : THIS IS NOT A COMPLAINT AT ALL since I believed you have already taken care my negative reporting in my credit history to be removed in the past. I used CFPB as I would like to be transparent with your company to send you NEW documentation from the FTC with Police Report for your reference to keep under my FILE. You can close this so-called complaint right away after gathering the attachments. Thank you for your understanding and consideration AS ALWAYS. Innovis is the ONE & ONLY GREATEST consumer credit reporting agency THAT I HAVE ENCOUNTERED SO FAR who GENIOUSLY KNOW ON HOW TO MAKE A RATIONAL DECISION INDEPENDENTLY! KEEP UP THE GOOD WORK AND PROFESSIONALISM!
Consumer complaint received 2022-03-05
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc (CA)

On XX/XX/2022, while trying to log into XXXX account on my new tv, I was prompted to email XXXX to conclude the setup process. A phone number then appeared on the tv, which I called. They said they were XXXX employees and were turning over all XXXX  accounts to another type of account. In this fraud, I was told that for {$260.00} I would no longer have to pay the $ XXXX for XXXX XXXX for 5 years, and would also get several pay channels through XXXX  for free. Neither was true. I paid through PayPal. The next day when I realized the scam, I called XXXX who said they were aware of the scam against many others, and I would have to try to get refund through PayPal. He also said his experience was that PayPal would not refund for the fraud. I filed a dispute with PP, and they said they would contact me. There is no way to contact PayPal, either by email, phone or chat. The chat request sends you into a loop that never allows the chat to occur. I have contacted XXXX XXXX XXXX, and they refuse to refund. I also filed complaint with XXXX XXXX, who pays PayPal for me, and they said I could only go through PayPal in that PP was not the one that defrauding me. 

Below I will paste a copy of the PayPal transaction : Paid with XXXX XXXX XXXX Credit Card XXXX You'll see " PAYPAL XXXX '' on your card statement. 
{$260.00} Ship to XXXX XXXX " Address '' XXXX XXXX XXXX XXXX, CA XXXX United States Transaction ID XXXX Seller info AXXXX XXXX XXXX XXXX XXXX http : //advanceelectromech.com/ XXXX Purchase details One time {$260.00} Total {$260.00} Phone Number scammers gave me : XXXX, My customer ID # XXXX
Consumer complaint received 2018-12-17
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: F&L Marketing Enterprises LLC (VA)

I filled bankruptcy a few years ago and this company was apart of it. They refuse to clear this debt out of the national database. Even after talking with my attorney on several occasions. This has been years now and I need this matter resolve
Consumer complaint received 2022-03-05
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: Certegy Holdings, LLC (NY)

Complain against ; Certegy Payment Solutions , LLC. 
XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Transaction Date : XX/XX/2022 Transaction Ref # XXXX Certegy Payment Solutions , LLC collect my information and use it to sell financial services to XXXX. 

Certegy Payment Solutions , LLC confirm they advise XXXX to decline my transaction based on false and incorrect information the company collected and use. 
The company representative confirm they based the decision they sold to XXXX, on information they refuse to allow me to correct/update and/or verify. 

The company representative also refuse to inform me, how i can update the inaccurate and/or incomplete information they used to sell financial product to XXXX. 

I contacted Certegy Payment Solutions , LLC, and ask them for a copy of the data they collect and the company refuse. 

Additionally, I was requested to provide personal information, such as social security #, XXXX Identification information, but when I request the company how my information is protected from fraud, misuse, sharing and abuse, the company refuse to provide any details.
Consumer complaint received 2019-08-27
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. (NJ)

AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT. PLEASE HAVE THOSE UNAUTHORIZED INQUIRIES REMOVED =.
Consumer complaint received 2018-12-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC. (PA)

I am attempting to get a mortgage approval to buy a home. 2 of 3 credit agencies allowed my credit reports to be pulled by the finance company. Equifax however did not allow my credit report to be pulled because it was locked. 

I called Equifax 's XXXX number three times this morning. Their automated system makes it impossible to speak with someone to fix this. 

I then obtained a secondary Customer Service number of XXXX XXXX. I called it this afternoon and a woman that barely speaks English asked me multiple questions about past mortgages, past loans, addresses, date of birth etc. and said that I was authenticated. She then determined that my current address that I have been living at for over a year and a half was not updated. She refused to update it on the call despite having already authenticated me. 

A third-party company that has incorrect information about me should not prevent me from buying a house. THIS IS RIDICULOUS!
Consumer complaint received 2022-06-19
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. (PA)

In accordance with the Fair Credit Reporting act XXXX Acct # 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
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch (MD)

Professional Bureau Of Collections XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Debt in the amount of {$2100.00} I have been trying to get this debt off my credit report for a long time, at one point the creditor removed it but post it back again. 
the creditor has been denying to provide me with validity of this debt all along. When I try talking to them they will say they will send me documentation to validate the debt and they never do, last time they simply hang up on me when I asked a valid address and the name of the person I was talking to so I could document it. 
They are very aggressive and threatening, and they don't provide any information other than saying you owe them and if you don't pay they will ruin your credit history.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC (IL)

XX/XX/2020 I was forced to close my XXXX checking account and re-establish a new account due to suspected fradulalent activity. I am unable to establish a checking account due restriction placed on me through a company called Early Warning Services. I have been in contact with Early Warning Services and have an unresolve dispute. I believe misleding information reported by XXXX to Early Warning Services regarding the suspicious activity that had occurred with my personal banking account. I have no balance owed to any financial institution including XXXX. Why am I being restricted? I was the victim.
Consumer complaint received 2018-05-17
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: Experian Information Solutions Inc. (GA)

Letters were sent out to the credit bureaus.The following accounts are reporting on my credit file incorrectly XXXX XXXX XXXX   {$22000.00} XXXX XXXX XXXX {$440.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00} Bankruptcy XXXX {$0.00}
Consumer complaint received 2018-12-17
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Diversified Consultants, Inc. (AZ)

Just got and owe amount from a employer I use to work for saying I owe a bill I never receive that I owed an amount and its not because I moved because we transferred out mail with us weeks before we moved now I I owed I would paid but I never received anything in the mail and still Havent. But a debt showed up on my credit report thats not right without not receiving the proper documentation. Theres no account number or reason why just sad and Pathetic
Consumer complaint received 2022-03-05
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. (TX)

I have recently checked my credit reports with XXXX, XXXX, and Transunion and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on Trans Union : XXXX TransUnion Account # : XXXX Duplicated twice on credit report XXXX TransUnion Account # : XXXX Duplicated twice on credit report I have recently checked my credit reports with XXXX and have found an account without an original creditor is listed. I am not aware of the allege debt and this reporting ' is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. Below are the duplicates showing on my credit file on XXXX : XXXX Acct : XXXX
Consumer complaint received 2018-05-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

Today I Bank of America at XXXX and spoke with a female claiming to be XXXX XXXX who said that she had submitted the request to remove all the late fees for a total of {$100.00}. I had to repeat the reason for non-payment a 4th time which has not changed. I did not get my statement. They were put in the wrong mailbox. Instead of XXXX it was placed in XXXX. The 1st female who cancelled the 1st card I never received took the information. She was rude claiming it's not a Bank of America problem, it's a postal problem. I made a complaint to the Post Office. I made a request on XX/XX/2018 to XXXX XXXX who probably never attempted to put the late fees in, then XXXX a late fee was added
Consumer complaint received 2024-05-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SYNCHRONY FINANCIAL (MI)

I am writing to file a complaint against SYNCB/TJX CO regarding inaccurate information on my credit report. Specifically, a collection account has been placed on my report by SYNCB/TJX CO in violation of the Fair Credit Reporting Act ( FCRA ). 

Nature of the Complaint The Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the CFPB through Regulation 12 CFR 1006, requires collection agencies to provide validation information within five days of initially contacting a consumer ( [ 12 CFR 1006.34 ( b ) ( 5 ) ] ). This validation notice details the debt amount, creditor name, and other crucial information to allow the consumer to verify the debt 's legitimacy. 

However, SYNCB/TJX CO has placed a collection account on my credit report without providing the required validation information. This lack of information prevents me from exercising my right to dispute the debt 's accuracy according to FCRA regulations ( [ 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ] ). As a result, the negative information on my credit report is misleading, misrepresentative, and deceptive. 


Thank you for your time and attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Consumer complaint received 2022-07-24
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: Atlas Credit Company, Inc. (SC)

I do not recognize having any agreement with ATLAS CREDIT COMPANY and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with ATLAS CREDIT COMPANY .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
Consumer complaint received 2022-03-03
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Asset Recovery Solutions, LLC (WA)

Got what I thought was scam calls turned out to be another collection agency on or around the XXXX of XXXX. I called ARS solutions who had the debt. They claimed they called and left voicemail but when I called t mobile to check and look at my phone records and voicemail nothing from them. I called back to ask why they didn't send an email notification or letter about the issue. They claim they couldn't reach me via phone from end of XXXX to XXXX. They where rude and unwilling to provide any proof. Not only did there lack of communication cause me financial stress but emotional stress. I suffer from XXXX and the way this company works does not fall under the WA state fair debt collection. They failed to give me proper notifications. Had they sent an email or letter about payment issue as I checked my bank and have no declined transactions from the times they claim. Now a new company that has it wants {$1200.00} down and XXXX a month. My payments to ARS where {$150.00} as I support my wife and daughter. As you can see now I either have to come up with that or settle for {$26000.00}. Both of which I can not do because of my income. Hopefully I can work something out with this other company. ARS really did nothing to notify me about any issue with my account and could care less when I was asking questions to clarify what happened on there end. Agian no letter, missed calls or voicemail left on my phone which is the proper way to notify. I have always been willing to work with them until they did this. The person I spoke to from ARS about this said they have multiple numbers they call from so she couldn't give me a specific number. I have two of probably a dozen numbers they have so it's already hard to contact them with the correct number let alone department. Extremely unprofessional and agressive. I had planned to settle the debt with ARS solutions at the end of the year but now I'm starting over agian.
Consumer complaint received 2022-06-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc. (FL)

I was injured at work and had to go to the hospital due to a head injury. I told the employee that it was a workers compensation case. My boss also told me this would be covered. All of a sudden, I have a $ XXXX bill in collections. I am not entitled to paying that money. It was the company 's responsibility XXXX XXXX is the company name ) I've tried disputing twice and nothing changes. The collection center is Medical Data Systems Inc located in XXXX XXXX, Florida. If you look at thier reviews on XXXX, they are all similar cases a fraudulent activity and " screwing over '' their consumers.
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (AL)

I disputed the unverified, unvalidated, and inaccurate XXXX XXXX Credit Card numerous of time most recent XX/XX/2022. The account keep coming back verified with none of the requested information provided i.e. original contract or correction in inaccurate and incomplete payment history. I have exercise my rights according to the FCRA.
Consumer complaint received 2018-05-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (NJ)

My Bankruptcy file date was XX/XX/2008, its been more than 10 years since I filed and it is still showing up on my credit report. It should be removed from all of my credit reports after 10 years.
Consumer complaint received 2022-07-24
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (VA)

Comenity that holds the XXXX Credit Card used aggressive techniques to attempt to collect funds. By calling multiple times through the day and including weekends. They call from an unknown number and then when answered they either dont respond or respond stating they are with the company. Which will be made in full on Thursday. This missed payment was an accident ; I have missed several before due to covid. This company was unwilling to help at that time during COVID. Id really like to stop doing business with Comenity due to their immoral practices and harassment. I called them today and the representative did absolutely nothing.
Consumer complaint received 2021-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (MN)

Experian is reporting that I have a negative or late payment with XXXX XXXX for my auto loan that was reaffirmed after my XXXX XXXX XXXX. I had disputed this account with Experian before because they reported it was included in my XXXX and the results of the dispute dropped my score and in the comments it says consumer disagrees and I was looking at my Experian report today XX/XX/XXXX and it shows a negative for my XXXX account on XXXX of XXXX but I have never been late and I tried to dispute the information that is now wrong and I am not able to. I have screenshots of the wrong information from Experian. I feel Experian has made inaccurate reports on my credit history and it is affecting my credit because I recently had a credit card company close my account that I had for almost 14 years with never a late or missed payment and they also said I was 120 days late but after contacting them they said I was never late.
Consumer complaint received 2018-12-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (MS)

Being charged for a load that was paid off. A duplicate of the same loan was created after i left college. The original was XX/XX/XXXX a duplicate of that loan was created on XX/XX/XXXX after I had left. I have been fight this for years they want {$120000.00} and they say I attended XXXX  University, which I have never set foot in. I am XXXX, I have been out of college since XXXX and they want me to pay {$700.00} a month until I am XXXX. I have no legal protection and they have the power to garnish my wages. None of the money I have paid in the past shows on the record. It's like I never paid a dime. 

Loan Type Total Borrowed Loan Date Outstanding Principal Outstanding Interest Total DIRECT CONSOLIDATED UNSUBSIDIZED {$53000.00} {$0.00} Total DIRECT CONSOLIDATED SUBSIDIZED {$8600.00} {$0.00} Total FFEL CONSOLIDATED {$0.00} {$0.00} Total NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} {$0.00} Total FFEL STAFFORD SUBSIDIZED {$0.00} {$0.00} Total {$67000.00} {$0.00} DIRECT CONSOLIDATED UNSUBSIDIZED {$53000.00} XX/XX/XXXX {$53000.00} {$0.00} DIRECT CONSOLIDATED SUBSIDIZED {$8600.00} XX/XX/XXXX {$8600.00} {$0.00} FFEL CONSOLIDATED {$27000.00} XX/XX/XXXX {$0.00} {$0.00} NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} XX/XX/XXXX {$5900.00} {$0.00} NATIONAL DIRECT STUDENT LOAN ( PERKINS ) {$5900.00} XX/XX/XXXX {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED {$1000.00} XX/XX/XXXX {$0.00} {$0.00} FFEL STAFFORD SUBSIDIZED By XX/XX/XXXX I was no longer in Texas. All of this debt is from the duplicate loan. The omsbudsman researched this and XXXX XXXX College confirmed this to be a duplicate and I don't owe them anything. The XXXX is form XXXX  University, which I never attended.