davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: SYNCHRONY FINANCIAL (OH)

The week of XX/XX/XXXX XXXX XXXX  was blowing up my phone, my mothers phone, and my mother in laws phone all over my debt. I called them and said to remove their numbers and do not call again. They continue to call my phone now and my mothers. They did stop calling my mother in law. They also call from multiple different numbers from other area codes. They will send me XXXX   packages of a bill. I have tried to set up payments with them and it just doesn't seem to be working out. They still are calling constantly and threaten suing me. The customer service is awful. I just do not think its right they have contacted my family about my debt.
Consumer complaint received 2019-04-25
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Advance America, Cash Advance Centers, Inc. (TX)

This is the 2nd company within the month to contact me about the same non-existent loan. I filed a complaint with you about the first company, and you closed the complaint. I want action taken against these people. They make up a loan, threaten me with legal action, and then sell up the made up loan to someone else. They claim that Advance America gave me an in-store loan in XX/XX/2012, and I never paid it back. This simply never happened, and I have contacted Advance America numerous times about this, and every time they tell me there is nothing they can do about it, because it simply never existed. 

The company XXXX XXXX ( XXXX ) contacted me today, XX/XX/XXXX, claiming that Advance America hired them to collect on a loan, or to file litigation against me. If I did not call them back, they would consider that non-compliance, and take me to court. They never sent me any written communication, only a phone call. When I tried to get more information from them, they hung up on me. I had to call back 9 times to even get the name of their company, and another 5 times to get their website, as they would simply hang up on me. I want to file charges against them.
Consumer complaint received 2019-04-25
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: EQUIFAX, INC. (TX)

I currently have two addresses that appear on my credit report that I have never resided at that are not associated with me, and that do not belong to me. The addresses are ( 1. ) XXXX XXXX XXXX XXXX, XXXX, Texas XXXX, and ( 2. ) XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. 

I also currently have a total of 9 Hard Inquiries that appear on my credit report that I did not authorize. They are : ( 1. ) XXXX XXXX XXXX  ( 2. ) XXXX XXXX XXXX XXXX XXXX XXXX 3. ) XXXX XXXX XXXX XXXX 4. ) XXXX  XXXX XXXX 5. ) XXXX XXXX XXXX XXXX XXXX XXXX 6. ) XXXX XXXX 's ( 7. ) XXXX XXXX XXXX  ( 8. ) XXXX XXXX XXXX 9. ) XXXX XXXX XXXX
Consumer complaint received 2019-04-25
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SUNRISE CREDIT SERVICES, INC (MI)

We have debt. There is a no contact order on phones XXXX-XXXX-XXXX and XXXX-XXXX-XXXX. Today, they called twice leaving messages to call them about debt.
Consumer complaint received 2020-08-03
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cottonwood Financial Ltd. (TX)

I became default with a loan I received through Cash Store payday loans. When in default I also was in the process of modifying my current chapter XXXX  bankruptcy. In doing so, I provided the company with the information to contact my lawyer and the bankruptcy number. Never heard from the company for over a year. Then, a collection agency called and mailed me a letter and basically stated that I needed to pay them in full and would not make arrangements other than the debt amount to be paid in full. I informed them that I could not make such payments and asked if they had contacted my lawyer regarding the bankruptcy. Again no further contact from them until they transferred the account ( I assume ) to another collection agency. This collection agency was so rude, yelled at me over the phone, called my references and had them so upset and disclosed so much personal information about me it was ridiculous. Recently someone left a message stating that they was taking the matter to civil court and provided me with a case number for XXXX county. Again, I asked them to send me information in the mail so that I can properly addressed the matter. I was informed that they will not send me any information and that I will just need to wait to hear from my county regarding the civil case. How is it that these collection agencies will refuse to provide me with any information and that the Cash Store continues to transfer my information to several different agencies? I need help to try to resolve this matter.
Consumer complaint received 2019-04-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AES/PHEAA (PA)

In XXXX, I sent a letter to AES/XXXX regarding late payments that were showing up on my credit report. I was never late on the account, and I asked if they could remove the late payments as a one time " goodwill ''. They responded with a letter saying that they did not report any delinquent information. I have attached this letter. 

I forwarded this letter as well as a copy of my credit report to each of the three bureaus, demanding that the account status be updated, and I have not heard back yet from any of the bureaus. I have attached a copy of my complete 3-bureau reports where it is inaccurately reporting. 

I sent an investigation letter to AES/XXXX, and they are saying that it is reporting accurately. I have attached that also.
Consumer complaint received 2018-09-17
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

On XX/XX/2018 I sent out a certified letter with proof of identification to XXXX  in regards to removing the unverified accounts XXXX XXXX {$8400.00} XXXX XXXX XXXX XXXX XXXX - {$2700.00} Balance from my credit. the listed items are entirely inaccurate and incomplete & represents a very serious error in XXXX 's reporting, I asked to see Verifiable Proof ( a original Consumer Contract with my Signature on it ), in which They are required by federal law to verify FCRA ( Section 609 ( a ) ) They did not provide me with a proof of verification, they replied stating that they have verified the information without the proper document. On XX/XX/2018 I sent out a 2nd letter Stating that they have not removed the items that have not been verified which is required by law and they have had 30 days to investigate in which law requires removal of unverified accounts if unable to verify. As a gesture of my goodwill before litigation if needed, I will restate my dispute. The following information needs to be verified by the credit reporting agency, following failure to verify, deleted from the report as soon as possible.
Consumer complaint received 2022-03-12
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. (VA)

In accordance with the 601. Short Title : Fair Credit Reporting Act alleged a LATE PAYMENT on allegedly XXXX XXXX BANK XXXX # XXXX & on alleged date of XXXX has violated my rights as follows : 1 ) 15 USC 1681 602 ( a ) Reads as : I consumer ( s ) have the right to privacy. 

2 ) 15 USC 1681 604 ( a ) ( 2 ) Reads/Paraphrased as : It also states a consumer reporting agency cant furnish an account without my written instructions. 

3 ) And lastly, 15 USC 1666b ( a ) Reads as : creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Receivable Solutions, Inc. (SC)

Receivables Solutions is continusally calling my phone and leaving robot messaging on a debt I do not owe. In the past I requested for them to send me documentation confirming the debt. However they send me a letter back stating they could not find me in there system. I want the calls to stop, and I want the debt removed.
Consumer complaint received 2019-04-25
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Pendrick Capital Partners Holding, LLC (FL)

A Collection agency can't engage in any unfair method to collect a debt by making it difficult to answer two simple questions. On XX/XX/2019 at approximately at XXXX XXXX, a phone call was placed to XXXX XXXX XXXX , XXXX at XXXX that was recorded and l spoke with representative XXXX XXXX. I asked her what information pertaining to their records do they have about the account in question and she acknowledged receipt of my letter for request for validation however, she would not confirm the account was in dispute by refusing to answer the question, Is this account in dispute? 

After she continue to refuse four different times, I was involuntarily switched over to another representative who identified himself as XXXX employee ID # XXXX and he finally admitted that the account was in dispute however he refused 5 different times to answer the question, When was the dispute letter received? before admitting that he wasn't even sure when they received the letter but stated that it was updated on the XXXX. 

According to the Fair debt Collection Practices Act by law a debt collector has to acknowledge that an account is in dispute and show when the letter was received Also please note that on XX/XX/2019, I sent a dispute letter, requesting validation of debt for {$680.00}, dated, XX/XX/2019, for account number # XXXXXXXXXX on XX/XX/2019, that is attached with this 30 day non response letter, along with the bill, certified receipt and proof of receipt.Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt they say I owe. I have given them 30 days to remedy the situation, which is a very reasonable period. I have received no reply from them, also I did receive confirmation via certified mail that they did receive my letter on XX/XX/2019 at XXXX. Also they should also be aware that if they report such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm surey their legal staff will agree that non-compliance with this request could put their company in serious legal trouble with the FTC and other state or federal agencies. I look forward to hearing from them. 

This is an attempt to correct any and all records, and any information obtained will be used for that purpose. Communications to and from me the consumer may be monitored and/or recorded.
Consumer complaint received 2018-10-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (IL)

On XX/XX/XXXX @ XXXX I XXXX XXXX called XXXX, XXXX in response of my dispute, the letter read we received your dispute and need additional information and to respond in a timely manner. I spoke with a woman who told me that some accounts were not in dispute and I told her that all of the accounts in the office because I never received validation within the time allowed. I told the rep what I wanted and asked her name she refused and put me on hold for a long time then hung up..
Consumer complaint received 2019-04-25
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: National Credit Systems,Inc. (GA)

About 5 years ago my personal information was compromised and my identity was stolen. Over the passed few years I have noticed inquiries on my credit that I did not authorize and had no prior knowledge of, Sometimes it was accounts ( cable, phone, utilities ) most were easy to prove fraud. 
Beginning in XXXX I saw these instances become more frequent for a while it was over 30 per week. Whenever I learned of these I would contact the companies extending credit and notify them of the fraud. 
In XXXX I began to notice many apartments showing up, many of which were actually signed leases in my name and some were just applications. A lot had utilities connected in my name as well. 
Last year, I learned a XXXX person named XXXX XXXX was arrested in XXXX FL for fraud and counterfeit charges I contacted the apartments and learned he was claiming to be me and had an apartment in my name that was in default, he was giving the office fake checks to pay rent and was thousands of dollars in debt in my name. 
I have police reports and FTC filing but can get nowhere with the bureaus, collection agencies or creditors. 
I need assistance getting my life. Back. 
The companies are : -XXXX  XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$4600.00} 2 ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$270.00} 3 ) XXXX XXXX XXXX   XXXX XXXX XXXX XXXX {$370.00} 4 ) XXXX XXXX  XX/XX/XXXX {$320.00} 5 ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$100.00} - XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$3300.00} - XXXX  XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} -XXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00} -XXXX XXXX XXXX XXXX  XX/XX/XXXX {$450.00} XXXXXXXX XXXX  XX/XX/XXXX {$300.00} These are the ones currently showing. Some of these have part my correct info and some inconsistent. I need help reclaiming my life. I have statements, FTC Filing and police reports but I cant get the bureaus, agencies or creditors to help me. 

Can you assist me?
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: AMERICAN EXPRESS COMPANY (FL)

I have had an American Express XXXX XXXX XXXX for approximately ten years. I have NEVER been late making my payments. In late XX/XX/XXXX or early XX/XX/XXXX I secured permission to spend {$1800.00}, as I planned to travel north to visit family. I planned on purchasing furniture and clothing for my son and paying hotel bills, all just using one credit card. At the time my " Pay over Time Balance '' was about {$1400.00} with a limit of {$3100.00}, at the time adequate to absorb about {$1700.00}. When I returned home in late XX/XX/XXXX, I learned my limit was reduced to {$2000.00}. I was not able to place more than {$600.00} on pay over time, which then raised my minimum monthly payment to {$1100.00}. I have made payments of {$150.00}, {$300.00} and {$610.00}, for XXXX XXXX and XX/XX/XXXX. When I call to complain I speak to someone in a foreign country who doesn't understand English. A collector called 3 days straight harassing me and badgering me to make a payment. I have explained that my payment is " delinquent '' because they have reduced my credit limit unbeknownst to me, and that their actions have interfered with my ability to handle my other obligations, but they indicate that they could care less. All they want is their payment which is impossible for me to make. Also I had almost XXXX reward points down to about XXXX and no one can explain their disappearance. 
I am considering legal action.
Consumer complaint received 2019-04-25
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: EQUIFAX, INC. (GA)

About 5 years ago my personal information was compromised and my identity was stolen. Over the passed few years I have noticed inquiries on my credit that I did not authorize and had no prior knowledge of, Sometimes it was accounts ( cable, phone, utilities ) most were easy to prove fraud. 
Beginning in XXXX I saw these instances become more frequent for a while it was over 30 per week. Whenever I learned of these I would contact the companies extending credit and notify them of the fraud. 
In XXXX I began to notice many apartments showing up, many of which were actually signed leases in my name and some were just applications. A lot had utilities connected in my name as well. 
Last year, I learned a XXXX person named XXXX XXXX was arrested in XXXX FL for fraud and counterfeit charges I contacted the apartments and learned he was claiming to be me and had an apartment in my name that was in default, he was giving the office fake checks to pay rent and was thousands of dollars in debt in my name. 
I have police reports and FTC filing but can get nowhere with the bureaus, collection agencies or creditors. 
I need assistance getting my life. Back. 
The companies are : -XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XX/XX/XXXX {$4600.00} 2 ) XXXX  XXXX XXXX XX/XX/XXXX {$270.00} 3 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$370.00} 4 ) XXXX XXXX XX/XX/XXXX {$320.00} 5 ) XXXX  XXXX XXXX XX/XX/XXXX {$100.00} - XXXX XXXX XXXX  1 ) XXXX XXXX  XXXX XX/XX/XXXX {$3300.00} - XXXX  XXXX XXXX XXXX 1 ) XXXX  XXXX XXXX XXXX XX/XX/XXXX {$4700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} -XXXX XXXX  XXXX XX/XX/XXXX {$160.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX {$450.00} XXXX XXXX  XX/XX/XXXX {$300.00} These are the ones currently showing. Some of these have part my correct info and some inconsistent. I need help reclaiming my life. I have statements, FTC Filing and police reports but I cant get the bureaus, agencies or creditors to help me. 

Can you assist me?
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: WELLS FARGO & COMPANY (GA)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XXXX 2013. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: United National Services (GA)

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am writing to express my deep concern and frustration with the handling of my repeated attempts to remove fraudulent items from my credit report. Despite providing extensive evidence and documentation demonstrating the fraudulent nature of these items, my requests have been repeatedly denied, and the fraudulent entries continue to adversely affect my creditworthiness. 

I initiated the process to dispute and remove the fraudulent items from my credit report. I provided thorough explanations, supporting documents, and any other relevant information required to facilitate a comprehensive investigation. However, much to my disappointment, my request was denied, with insufficient justification provided for the decision. 

The presence of these fraudulent items not only inaccurately represents my credit history but also undermines my financial credibility and opportunities. It has resulted in significant distress, inconvenience, and financial repercussions, which could have been avoided with prompt and appropriate action from your agency. 

Therefore, I am formally lodging a complaint regarding the handling of my case and requesting immediate action to rectify this matter. Specifically, I demand that : The fraudulent items be promptly and permanently removed from my credit report. 
A thorough investigation be conducted into the handling of my disputes, including an examination of why the evidence provided was not considered in previous reviews. 
Clear and transparent communication be provided regarding the steps taken to address my complaint and the measures implemented to prevent similar issues from occurring in the future. 
I expect a prompt and satisfactory resolution to this matter within the exact timeframe. Failure to do so will leave me with no choice but to escalate this complaint to the appropriate regulatory authorities and pursue legal action to protect my rights as a consumer. With this, I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5200.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX - XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$740.00} XXXX XXXX XXXX XXXX : {$2700.00} XXXX XXXX XXXX Balance : {$520.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX.
Consumer complaint received 2019-04-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Western-Shamrock Corporation (GA)

I was shocked when I reviewed my credit report and found 60 days late payment on the dates XX/XX/2017 to XX/XX/2017. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.