davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CONTRACT CALLERS INC (CA)

This compliant is against XXXX XXXX in XXXX Az. 
The address related to this debt is from XXXX XXXX. 
In XXXX, the landlord left the power in my name after the lease was terminated and I had already relocated to XXXX I was not aware of this debt existing until XXXX. 
At that time I filed a dispute, sending in copies of my lease and proof that I that prior lease on XXXX was terminated. XXXX took no action. 
In XXXX, I relocated back to XXXX only to find out that this was still on my credit and this was the beginning of this debt negatively effecting my ability to secure housing AND even my ability to have power. 
They refused to turn on power for me unless I PREPAID my power. Which I did. 
I had power for 3 months before getting evicted and forced to move back to XXXX in XX/XX/XXXX. 
At this time XXXX started falsely reporting by billing date on the original debt from XXXX they are manipulating laws around statute of limitation, to make it in their favor. 

the second issues is that they have sold this debt. Discharged it for a year. as you will see in the evidence. And have resold this debt to a new collector.

I had my credit score improve 30+ point when this debt came off in XXXX. 
Now that it is back on my credit is below 500. I am not able to get approved AGAIN for housing because of this adverse effect on my credit. 

In my recent dispute against the new collector, CCI. They are still not able to provide chain of assignment or proof they can legally collect this debt, as it is required in Fair Debt Collection Practices Act, 15 U.S.C. 1692b ( 6 ) and 1692c ( b ), et seq. They even respond and say they will not sue me. but they will harm my credit as long as they can. 
Even with the fact that they are manipulating the dates of this debt to try and use statue of limitations that has long past.
Consumer complaint received 2021-02-10
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Early Warning Services, LLC (NY)

Someone asked me for my cell number to zelle me a payment. I gave them the number I use and they sent the transaction. I received a text message saying a payment had been sent and to go to a link to accept it. 
When I try to register it, it says that XXXX voice numbers can not be registered. Calling the support number for zelle the person said that there is nothing that will be done and the unclaimed funds would eventually be returned to the sender. They couldn't give me the information on the sender and that there was nothing that could be done.
Consumer complaint received 2019-04-03
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. (MI)

XXXX XXXX XXXX has been reporting inaccurate information for close to two years. After disputing 2 years of payment history with Experian, XXXX and Experian nothing has been resolved. XXXX has violated my rights of the FCRA many many times and the credit bureaus are failing me as a consumer to enforce this company to report accurately.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (OK)

On XX/XX/XXXX Pheonix Financial Services sent erroneous bill with account numbers that have no association or permission from me to have been created. It lists XXXX of XXXX County as the original creditor for alleged ambulance transport that never took place. I never received emergency care during XXXX. 2 different account numbers are listed on the bill and I did not give consent to the creation of either one. It also lists XXXX XXXX XXXX XXXX ( XXXX XXXX ) as the current creditor who assigned it to Phoenix Financial Services. I have made several attempts to have ALL 3 entities correct the matter to no avail. I have also requested a copy of the original contract with wet ink signature and no response. Injury has resulted from the inaccurate reporting placed in my credit file. I would appreciate this matter being resolved expeditiously. Thanks in advance and please forward to ALL parties named.
Consumer complaint received 2023-03-21
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. (MD)

In accordance with with the Fair Credit Reporting Act : The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account name : # XXXX XXXX, Account number : # 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 states : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681C. ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) section states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2023-03-21
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: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. BANK OF AMERICA XXXX Balance {$9500.00}
Consumer complaint received 2019-09-18
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. (PA)

XXXX XXXX XXXX XXXX is reporting that on XX/XX/2018 I applied for credit. This inquiry was not done with my authorization. I have contacted the company and asked for an investigation into the matter but have yet to receive a response.
Consumer complaint received 2019-09-30
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: American First Finance, Inc. (KY)

XX/XX//19 American first financial processed a payment without consent on a closed account ona card that was not on file. Then places me on hold forever stating they were trying to figure out what happened and didnt have an explanation. This is the fourth time that this has occured and I have a voicemail from then stating this issue would not occur again and it has.
Consumer complaint received 2021-06-10
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (NY)

This agency is in violation of 15 U.S.C. 1692g. They were supposed to notify me of this in writing 5 days prior, & I was not. As the original creditor, only I can validate this debt. I do NOT validate this debt.
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNTRUST BANKS, INC. (GA)

Dear CFPB Staff, My name is XXXX XXXX. I am the owner of XXXX XXXX XXXX XXXX XXXX. 

We are writing you concerning the theft of our funds by SunTrust Bank and their wrongful damage towards our business credit score and my personal credit score. 

We have a SunTrust Bank Account. In XXXX of this year XXXX made multiple charges on our account which we did not authorize. This brought our account to almost - {$500.00}. 

We disputed these charges with SunTrust. 

SunTrust stated clearly to us that once the disputes were resolved the overdraft fees would be reimbursed to us as well. We were told this by three different SunTrust employees in their call centers. 

The disputes were finally resolved and ruled in our favor XX/XX/XXXX. We were informed of this today when we again called SunTrust 's support number and requested their Claims Department to inquire the status of the dispute. The representative at SunTrust 's Claim 's department even told us all the fees and been reversed, as that is standard protocol not on just for SunTrust but for all banking institutions.

I then requested the Claims Department representative transfer me back to the main Customer Service department so that I may stop receiving paper statements. She agreed and put me on hold. After some time instead of speaking to the Customer Service Department the same Claims Department representative picked up and informed me that SunTrust had not reversed the fraudulent overdraft fees as they were suppose to, closed our account without even reaching out to us, kept our remaining Positive Balance, and sold a fraudulent debt to a collections agency damaging both our business credit and my personal credit in the process! 


We at XXXX XXXX XXXX XXXX XXXX XXXX would have soon been eligible for loans to further our business. SunTrust has ruined our ability to do so. 

I am looking for a house for my daughter and myself. SunTrust has crippled my personal credit score as well.

Along with stealing our funds and closing our business account!

In addition to this we had been pre-approved for their Business Credit Card and had been told at their local branch where we had begun the application process that we would receive it after our dispute was finally processed!
Consumer complaint received 2019-01-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (VA)

I had received 2 letters from Receivables Performance Mangement ( RPM ). I  had just chosen one and opened it and the letter contained an offer to settle the debt in the amount of about {$370.00}. Later, after the ordeal, I found that the other letter contained an offer to settle in the amount of about {$290.00}. I called and spoke with a representative on XX/XX/2019 who proceeded to take my payment information to process the payment as settlement in full for the debt. I requested an email confirmation of my payment to keep for my records. RPM sent an email, but it was not a paid receipt, it was a copy of an offer letter that stated the amount was {$290.00}. At this point, I was confused because they just took a payment of {$370.00} so I called back to inquire about the difference of what they took and what the email said. I spoke to the manager, XXXX, who stated they would refund the difference but we would have to wait for it to clear first because it was not showing posted to the account as of yet. I proceeded to wait a couple days and I called back and spoke with the same gentlemen who at this time advised they would not refund my money and that I would have to contact my bank directly to stop the payment and then we could redo the transaction even though they knew at this time the bank would not be putting a stop on the payment. I called my bank and they processed it as a dispute, but after their investigation determined the payment was valid and would not refund my money. I feel that RPM misrepresented an offer to settle my debt and fraudulently took a higher amount because it benefited their employee and meant more money for his own paycheck. This is clearly false representation and I feel that the company is stealing my money when they were fully aware there was a lower offer on the account. Additionally, when I received conflicting information and contacted them about it, they again misrepresented an opportunity for me to get a refund of the overpayment, which I have not received as of yet.
Consumer complaint received 2019-09-30
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CO)

I have had trouble repaying my studebt loans for quite some time, mainly because I had attended college and graduate school with the promise to have a high paying career, and I have barely been making enough to cover standard Bill 's and living expenses. This has led to reaching out to Navient  several times for assistance on my best options. Each time I have been directed to defer and I really didn't know better on how it would affect my total loan amount based on interest. Now my loan total has been increasing from this, and I am no closer to finding a job to reflect the education level I am in so much debt from. I feel like I have been given false promise on how I will be able to eventually make payments on my loans, mis directed on best ways to chip at my loan while trying to stay afloat with my bills, and even when i was making consistent payments before my last position laid off their sales team, I didn't see a decrease in my loan total, I just felt like I was only paying interest. I feel like I'm drowning with Navient loans and don't see a future where I make enough money to be free of them.
Consumer complaint received 2023-03-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: PNC Bank N.A. (NJ)

I had an account with PNC bank for a credit card. The card held a balance and I made consistent payments for almost 5 years. I then moved in XXXX of 2022 and called PNC bank to provide new mailing address. 
In XXXX my online access to the PNC was locked for reasons unknown. I was also on autopay with the PNC which was cancelled, when the online access was cancelled. This led to the card being late due to the autopay being cancelled and I was not receiving statements or a notice about the late payments due to them not updating my address months prior when I called up. 
Eventually, I found out when the late was reported to the credit report. I called up and they apologized profusely and updated my address, reinstated online access, and took my payment. I then said as this was their fault for lack of notice, cancelling autopay, preventing me from doing a payment, and not updating the address. They said I needed to mail in a request for an investigation.

I have sent THREE letters to the information provided to me in 3 different month for a review. I have not received a review or a reply to any of the letters. As a consumer I have a right for the review and to know the result of the investigation. They have not done that despite numerous in writing request and it is likely I am not the only one and their system and procedure should be investigated by you, the CFPB.
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY (DE)

As of XX/XX/2019 XXXX XXXX XXXX has reported that I have an open account and that I owe {$41000.00} and this has been included in my bankruptcy and has not been showing up since my bankruptcy. Now all of sudden it shows up and lowers my credit score after 2 years. When I contacted the company they gave me another company 's name of XXXX and said that they purchased it just to hold on to the account, which doesn't make sense after a discharge. But still XXXX couldn't tell me why this is showing as an open account and that I am behind on my payments.
Consumer complaint received 2019-09-30
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: DLC, LLC (SD)

I was paying a payday loan to Dollar Loan Center in XXXX XXXX, SD in about XXXX and then one day the place was closed and no forwarding address or anything. I was never contacted by the company again and then I learned that the state had closed them down. I have not heard from them or anyone else until XX/XX/XXXX. I received a letter from Dollar Loan Center in XXXX XXXX, SD that I was serverely delinquent on my account and had to make arrangements to take care of this or face additional costs of late fees, collection fees and if necessary, attorney fees and court costs. 
I don't feel after two years and no contact by them that I have to pay this at all. I went to their site on the internet and saw where this sore is closed and that the state division of banking had closed them. 
I have been XXXX and can no longer work and live on social security only and there is no way I can make payments on this anymore. I was able to work and was working when this was going on, but since had extensive XXXX on my XXXX  and XXXX and am XXXX. Please let me know what I have to do on this problem as soon as possible.
Consumer complaint received 2022-09-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

In XXXX a XXXX XXXX credit card was fraudulently opened in my name with a HARD INQUIRY on Transunion and the other XXXX agency 's. XXXX XXXX determined it was fraudulent and closed the account. 
We're now in the middle of XXXX and it's still on my report. Sent numerous letters to TRANSUNION and phone calls to be removed it still there
Consumer complaint received 2019-09-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
Consumer complaint received 2019-09-30
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: COMMUNITY CHOICE FINANCIAL, INC. (CA)

This loan actually was first returned because they sent it through our bank before due. 
We acknowledged this and it was sent back through and paid on XX/XX/XXXX. Now our bank notified us that cash central tried to make up a fraudulent check and send it through in XX/XX/XXXX and the bank did s fraud investigation and proved they did act fraudulently regarding this matter. Now we have a XXXX XXXX XXXX trying to collect yet they have no paperwork nothing yet I have proof of being paid via my bank statement yet they want letter from company that it was paid yet this was 6 years ago yet they threaten us with legal proceedings and tell us nasty things
Consumer complaint received 2023-03-20
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. (NC)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$7300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$640.00} ; XXXX XXXXXXXX XXXX Balance : {$43.00} ; XXXX XXXX XXXX  Balance : {$120.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$370.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX  XXXX Balance XXXX {$460.00} ; 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 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 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: 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. (AZ)

In accordance with the Fair Credit Reporting act. The listed account below has violated my federally protected consumer rights and confidentiality under 15 USC 1681. This account below has fallen off twice due to the statute of limitations being this account is more than XXXX years old. Arizonas statute of limitations for debt is only XXXX years. The credit bureaus has allowed the collection agency to refurnish this account twice back to my credit report. This is a direct violation of my consumer reporting rights along with multiple other violations pursuant to 15 USC 1681. I demand this account be removed and deleted from my credit report immediately. 

Account name : XXXX XXXX XXXX Account number : # XXXX
Consumer complaint received 2019-09-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc. (TX)

Pro Collect has sent documents that dont match up. The move in date on the " alleged debt sheet '' is not the same date that is listed on the lease. Both papers were sent from pro Collect when they were " verifying '' debt. The documents aren't correct and this isn't a valid debt