davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-11-11
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio recovery added a debt that does not belong to me to my credit reports. On XX/XX/2020, I contacted the company several times to rectify this matter, but I have found them uncooperative. The debt that they're attempting to collect is from an address in New Jersey which I have never lived. I asked for a validation of this debt, specifically the original contract bearing my signature, and identification of the individual that opened this fraudulent account in my name. They have Not provided any validation. They only sent me bills for service from an address I have never lived at. This is harming my good credit rating, and I have missed several opportunities because of this incorrect information on my reports.
Consumer complaint received 2019-07-27
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. (GA)

To Whomever This May Concern : Please see the attached letters for XXXX and Experian. XXXX added on accounts that were removed but they added them back on. I am currently consulting with an attorney to see my options, but with all of my documentation, I have a good chance at filing a lawsuit and winning. Especial since my information was included in the breach, I have submitted Identity theft reports, Police Reports, and more. XXXX just won't remove it. This will be the last time that I submit this through the CFPB before I file a lawsuit. Please remove the Bankruptcy and XXXX XXXX of GA. Please block those asap. 

Experian, please remove The bankruptcy and XXXX XXXX XXXX finance. I have submitted numerous reports and it is still on there. I have no qualms about filing a lawsuit. Please block this information from my report. 

I have spoken with XXXX XXXX and other consumer agencies. They have no information on file for me and I have received that information as well. I have also spoken with the bankruptcy courts. They don't verify any information, so how are we verifying this information when my file is frozen. It sounds like some things are being done illegally. Please remove these items asap. You would think that with the breach that you would be more careful with the information that you are reporting that is inaccurate. 

Also, I never asked for XXXX to update my personal statement. The phone number XXXX was correct on there and then XXXX changed it. I never asked for it to be changed. Please put it back as it was.
Consumer complaint received 2022-01-12
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A. (AZ)

On XX/XX/09 I made a deposit into my checking account for about {$100.00}. At the time my account was negative about {$15.00}. 
XXXX I use my debit card to pay for a night stay at XXXX XXXX XXXX XXXX XXXX 
XXXX I go to atm to deposit cash to pay for another night and the ATM says my account has been deactivated- I call the bank they say my account is closed for inactivity for 30 days. 
- it was not inactive as I just made a deposit and purchase the prior day. I looked up their regulations on closing accounts and a customer has 60 days of inactivity before closing. 
- after phone call I check my mobile banking app it shows my account is still active with a XXXX balance. 
- I call the customer service number on back of the card it says " your account is active with a balance of XXXX dollars. '' But this was not being reflected on the app. 
- XXXX I visit a PNC branch on XXXX XXXX and XXXX XXXX The woman teller was clearly not wanting me to view specific information. When I asked for a printout of my transaction history she responded with " sure I can give you your last transaction '' I ended up getting a list of the last XXXX months. 
- I see MULTIPLE unauthorized transactions, and incoming deposits that were being blocked by the bank so I go home and call the customer service number. 
- I talked with about XXXX different people whom all sounded like they had no education in banking. They kept saying there's nothing I can do. 
- I got to a lady who was able to go over the account history with me and what she had in her system was completely different than the printout they provided me at the bank. For example, on my printout it says a company deposited XXXX dollars on a specific date. In the lady 's system it showed that instead that company withdrew XXXX dollars. It showed no deposit. 
- XXXX I call the bank and they refuse to acknowledge my concerns and say there's no manager, they only give me their first names after asking for my full name XXXX and social. 
- They said the transactions coming in can be placed into my savings account. I don't use this account so I looked online to make sure it was still active and it happens to close today. 
- my identity got stolen a while back and this is probably the XXXX business I've came across that is misusing my information to do fraudulent crimes.
Consumer complaint received 2019-07-27
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: EQUIFAX, INC. (GA)

To Whomever This May Concern : Please see the attached letters for Equifax and XXXX. Equifax added on accounts that were removed but they added them back on. I am currently consulting with an attorney to see my options, but with all of my documentation, I have a good chance at filing a lawsuit and winning. Especial since my information was included in the breach, I have submitted Identity theft reports, Police Reports, and more. Equifax just won't remove it. This will be the last time that I submit this through the CFPB before I file a lawsuit. Please remove the Bankruptcy and XXXX XXXX of GA. Please block those asap. 

XXXX, please remove The bankruptcy and XXXX XXXX XXXX XXXX. I have submitted numerous reports and it is still on there. I have no qualms about filing a lawsuit. Please block this information from my report. 

I have spoken with XXXX XXXX and other consumer agencies. They have no information on file for me and I have received that information as well. I have also spoken with the bankruptcy courts. They don't verify any information, so how are we verifying this information when my file is frozen. It sounds like some things are being done illegally. Please remove these items asap. You would think that with the breach that you would be more careful with the information that you are reporting that is inaccurate. 

Also, I never asked for Equifax to update my personal statement. The phone number XXXX was correct on there and then Equifax changed it. I never asked for it to be changed. Please put it back as it was.
Consumer complaint received 2019-07-27
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: BB&T CORPORATION (VA)

Regional Credit Acceptance is the company I financed a vehicle through. I was/ am XXXX XXXX military. The car was wrecked to equal out to a total loss in 2017. The company got paid by my insurance and my GAP. The GAP insurance company paid later than the 90 day mark so Regional Acceptance stated they were going to repossess the car, which was already sent to a junkyard as a total loss throughout XXXX. I have disputed it with the company multiple times. Finally, the middle of last year they sent the co-signer on the loan a letter stating the remaining balance owed was {$75.00}. We sent in a certified check and received a receipt for a XXXX balance due. My credit report still states the vehicle was a repo, and over {$4000.00} owed.
Consumer complaint received 2019-07-27
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tribal Lending Enterprise, Inc. (WI)

On XXXX XX/XX/2019 I was sent three emails from XXXX asking if I was applying for loans. I responded, NO I was not. I received a letter, dated XXXX XX/XX/2019, from Silver Cloud Financial Inc. notifying me of an unresolved balance on " my '' account. The letter did not have any amount, just an account number. I called the number on the letter ( XXXX ) and spoke with XXXX ( supervisor ) on XXXX XX/XX/2019. I gave her the account number on the letter and she said I would have to give my Social Security Number. I refused and said this account was fraudulent setup without my consent. She said I would have to email : XXXX. 
On a side note : the XXXX phone number had been calling my cell multiple times each day since XXXX XX/XX/2019. 

I emailed on XXXX XX/XX/2019. They responded back on XXXX XX/XX/2019 requesting their " Identity Theft Victim Complaint and Affidavit '' form to be completed along with sending copies of my personal identifiable information ( PII ). 
I received another letter dated XXXX XX/XX/2019 stating that 'If you do not pay the amount by the next due date your loan will be considered in default '' The letter did not have any amount or due date listed. It also stated that " unless you notify us within 30 days after receiving this notice that you dispute the validity of this debt or any portion our office will assume this debt is valid. ''
Consumer complaint received 2019-01-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I have tried several times to get XXXX  XXXX XXXX to correct the current payment status on a loan transferred from them to XXXX XXXX. Their representative called to update me on the progress XX/XX/2019 and said they believe the payment status is being reported properly. I asked how a statement in plain english on my credit report saying I am currently past due on a loan closed 3 years ago could be accurate, and she asked me to fax any further documentation I had to her, and someone would look into it. I did that, but no one looked at it, or at least contacted me back. 

Evidently XXXX XXXX XXXX used that phone call as a successful completion of CFPB complaint.
Consumer complaint received 2019-07-27
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth (IN)

HHRG, a Medical debt collection agency, Has been continually harassing me daily. Its seems as if they three debt on which they are trying to collect on. HHRG isn't the original debtor and they do not have any of my signatures on the paper work. Instead of my signature it says " signature on file ''. I do not trust this company. Why would my signature be on file with them? They call me everyday from different numbers and leave a prerecorded voicemail every other day. The use of auto-dialing technology and the use of pre-recorded voicemails is illegal since it violates the TCPA and FCRA LAWS. I have verbally revoked their right to call me as I have not given them permission to call my personal cell phone. They sent a itemized bill XX/XX/XXXX and a final notice on XXXX XXXX but have not validated the debt or stopped trying to collect. HHRG 's final notice was derogatory and threating. I have 18 prerecorded voicemails saved on my phone which seems a bit extensive. I am in pursuit of recovering damages for their illegal debt collection practices. I have not been employed since XX/XX/XXXX due to a workman comp injury.
Consumer complaint received 2019-07-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL (PA)

On XX/XX/XXXX while shopping, I applied for an XXXX XXXX, entered all of my personal information and was approved and received an approval for {$3000.00} all while logged into XXXX 's site but was not provided the new account number. Additionally, the approval page stated I would receive my card in 10 days. 
Yesterday, XX/XX/XXXX, I received an email that my new XXXX XXXX card was undeliverable, that the address was incorrect, the email contained a link to call directly, which I did not use. I have been an active XXXX and XXXX customer since XXXX and only my telephone number and last name due to marriage 17 years ago have changed over the last 19. 
Something with this email just didn't look right so as Synchrony Bank underwrites the XXXX XXXX and I have other accounts with them, I called today XX/XX/XXXX at XXXX XXXX at XXXX to look into further, the system identified me with the last 4 of my SSN # and gave me the information that this eBay account had a {$300.00} available credit line, not the {$3000.00} I was shown approval for with the last 2 digits of the new account # as " XXXX ''. 
I keyed further through the prompts and spoke with a customer service requesting that as the card has not been received and due to the " bait & switch '' on the credit line to cancel the account. She advised that I entered the wrong address on the application ( huh? ) She said she could not cancel the card without more information and continue to press for it- that she needed EVERY piece of my information in order to look up my account and then close the account, birthdate, last 4 of SSN #, address and middle initial. I then advised her that I have other accounts with Synchrony, that something was VERY wrong, that I was ending the call and filing a direct complaint.
Consumer complaint received 2019-07-28
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Risecredit, LLC (CA)

I received a pre approved loan application from Rise credit in the month of XX/XX/XXXX. I applied for the loan in XXXX of XXXX. I was approved for the amount of {$4000.00}. I set up the payment process online which was already selected for me since I am paid bi-weekly. My payments are {$260.00} every two weeks. I noticed that my balance has not gone down. The balance shows that I still owe {$3800.00}. I called and emailed this company and stated that I have been on time with my payments and should be close to paying it off. I was told over the phone that I owe {$3800.00}. I said that is impossible when I have already made XXXX payments. I asked if there was a glitch in their system and the representative told me when the loan is paid off you will know. I am very upset and this does not make any sense to me. I need assistance with making sure that my balance reflects all the payments that I have made. I will NEVER borrow money out of desperation again. Lesson learned
Consumer complaint received 2019-10-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Accounts Receivable Consultants Inc. (TX)

I previously set up a payment arrangement with ARCI in order to address the bill that has been in collection with them since 2016. In 2016, I underwent XXXX to remove XXXX from my XXXX and had to pay my portion of the XXXX in order to schedule the XXXX. I have not been able to recover financially from that procedure. I am currently on XXXX and have been unable to work and receive a sustainable income. I called ARCI in hopes to push back my payment arrangement since I have a new procedure that I have to pay for. XXXX XXXX immediately got rude with me and refused to negotiate a new arrangement with me. She told me to wait to get the procedure and pay ARCI instead. I told her the procedure can not wait and if I wait, I could be dead and then they'll never get their money. I told her that I have every intention on paying them back, I just need to postpone the payment. She hung up on me before I could express to her that I'd have it paid by XXXX. When I called back to speak to a supervisor, I was told by the receptionist that XXXX XXXX IS the supervisor. XXXX XXXX was very unprofessional in her approach with me. I am not sure how anybody will pay someone who insults them and advises them to postpone a potentially life saving procedure just so ARCI can get their money.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX XXXX and the credit bureas are deliberately reporting inaccurate information to damage my credit profile. I was never 60 days late on any payment as indicated by XXXX. You can not report of XXXX late without a XXXX late payment reflected. This is inconsistency in credit reporting, and deliberate act to sabotage my credit profile Also, XXXX XXXX XXXX has falsely claimed a XXXX late payment for the month of XXXX. Please see attached screenshot showing proof that the payment was paid before the 30 day mark. 

XXXX is reporting 3 consecutive months of late payments, which again is inaccurate, and goes against the fair credit reporting act.
Consumer complaint received 2021-07-23
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc. (MN)

XX/XX/XXXX Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX : XXXX CC : I have been billed by XXXX for all of XXXX when I terminated my service with them in XXXX. All my efforts to contact them have failed in that : Their account system says I do not have an account. 
Their chatbot says I dont have an account. 
Look at my address. The XXXX store here was looted and closed, in recent riots I looked at social media. These problems are constant. I tried calling their sales line and was on hold for 30 minutes before I gave up. 
They have not responded to written requests for information / resolution. 
Here are my payments from XX/XX/XXXX on : Payment Type To DeliveryOn Status ConfirmationNumber Payments XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX Check # XXXX XXXX XXXX XX/XX/XXXX Processed XXXX XXXX Check # XXXX XXXX XXXX XX/XX/XXXX Processed QXWJH-TQDKG XXXX Total paid from XX/XX/XXXX on : XXXX As is clear, I was current in XXXX, and have paid {$570.00} from XXXX on, the month in which I terminated service with XXXX. I have tried since XXXX of this year to understand what I am being billed for, but as already mentioned, including in writing, I have no idea what it is Im being billed for. Apparently, my service has been discontinued, which has been true since XXXX of XXXX. I most certainly welcome that, Id just appreciate not being hounded for payment for services that have not been rendered.
Consumer complaint received 2019-07-28
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. (FL)

I am a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX XXXX XXXX****, XXXX   XXXX****
Consumer complaint received 2019-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

Hi, here is attached a letter from XXXX XXXX XXXX Creditor to remove hard inquiry left by wrong from them we TransUnion to remove it XX/XX/2019 hard inquiry to be removed
Consumer complaint received 2019-07-28
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 a victim of identity theft. Do not confuse my credit file with people of similar name, address or SSN. Verify all identifying information.. and It must be proven TRUE, CORRECT, COMPLETE, TIMELY and of my OWNERSHIP, of my responsibility and compliant with the FCRA Laws.. I am attempting to apply for credit and the accounts are keeping me from moving forward on my transaction.. I am requesting a permanent block on the accounts asap XXXX  XXXX XXXX, XXXX   XXXX
Consumer complaint received 2019-01-30
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (NY)

On XX/XX/XXXX, XXXX, I XXXX XXXX , used a western union location in XXXX , NY to send a total of XXXX ( {$140.00} +XXXX transfer fees ). XXXX XXXX. 

We were advised that the funds were never picked up upon our XXXX time calling western unions customer service line, approx 1 week later. We spoke with an individual at XXXX. 

It was to our unfortunate surprise that we heard the sad news of our friends passing which whom we were trying the send money to. 

As of XX/XX/XXXX, we were told in order to get our funds back we'd have to provide western union with his government picture id. 

We do not have the means nor do we want to burden the family with something like this for a business refund transaction. 

As per western union 's customer service advisement we were writing the letter of explanation to meet their requirements of the refund policy. 

We were met with another set of higher standards to meet in regards to now supplying an official death certificate from the family as of XX/XX/XXXX. 

As of XX/XX/XXXX the funds were never " picked up '' and we're finding these standards for the refund quite outrageous at this time. 

Death certificates should not be a requirement for a business refund transaction of this low level. 

In the attachments we will provide the exact email dialogue that we have had with western union 's  various representatives.
Consumer complaint received 2019-07-28
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. (FL)

This issue is an existing problem which Experian wasn't able to resolve.. Their investigation did not fix the account. They said they have verified it but did not give details on how their investigation went.. Payments were sent timely on this account and was never late..CFPB step up and fix this error XXXX XXXX XXXX XXXX**