davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-01
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bursey & Associates, P.C. (AZ)

I filed my original complaint on XX/XX/XXXX, file number : XXXX. Since then, they have placed my case on internal review and will not speak to me about it. They continue to garnish my wages but offer no communication. When I ask how long I can expect this to be in the review, they said for a " justified amount of time. '' So basically, it will be on hold indefinitely, continuing to accrue interest, stacking the balanced owed and garnishing my wages. I will never get out of this debt I don't feel I owe. It's from 12 years ago and was improperly served, never notified of my ability to dispute the charges or defend myself in court against judgments that were filed without my knowledge. All this time later, I'm being garnished without any ability to defend myself. 

Copy of original complaint - still under review at XXXX. 

On XX/XX/XXXX my employer called me into the office. He wanted to know if I was having some financial troubles. I just bought a house and a car so I could see where he would be concerned. I was confused because I wouldn't have been able to do those things if I had been having financial trouble. He continued on to inform me that they received a garnishment of wages and we could look into it further but they are required to begin withdrawing the money from my next paycheck. I had absolutely no idea where this has come from. My credit report is spotless. I monitor my credit score weekly with instant alerts if anything changes. This garnishment is from a 12-year-old debt but has never once appeared for collections, I was never served court papers or notified by any means of a balance is due, that a judgment was granted or that garnishment would occur until it was too late. I've never heard of or from XXXX XXXX XXXX or Bursey & Associates. 
The name on the judgment is my maiden name from 11 years ago and the addresses listed were always outdated by many years. I was able to contact Bursey & Associates for proof of debt but I was mailed proof of purchase of the debt from XX/XX/XXXX. It was sold by Bank of America to  XXXX XXXX XXXX on XX/XX/XXXX. Then from XXXX XXXX to XXXX XXXX XXXX and then to Bursey & Associates. I am still unaware of the origination of the {$1700.00} which had then grown to {$4900.00} as of XX/XX/XXXX. The scariest part is that after my first garnishment, the balance due jumped up to {$5100.00} on XX/XX/XXXX.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

This is in regards to Complaint numbers XXXX and XXXX ... 

I just saw that Capital One credited my account for the two transaction rebills after rebilling me rather than crediting me as they said they would do ... However, I clearly stated in my complaint that these transaction rebills that were not supposed to be there caused interest charges on my account, and they never removed them. They are as follows ... 


XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge XXXX XXXX ... XXXX {$0.00} XX/XX/XXXX INTEREST CHARGE : PURCHASES Interest Charge XXXX XXXX ... XXXX {$1.00} Please tell Capital One to remove these charges. They've given me enough of a headache and wasted enough of my time ...
Consumer complaint received 2019-09-26
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Mortgage Loan Number : XXXX I am demanding information described below in regard to the debt being collected on my property at XXXX XXXX XXXX XXXX in XXXX Ga. 
My last payment on the loan, according to their records, was on XX/XX/XXXX. In all their correspondence to me they describe the company as a debt collector collecting a debt. The Statute of limitations in the State of Georgia, where my property is located, is 4 years on collection of a debt. this collection of my debt has gone over the four year limit as of XX/XX/XXXX. Select Portfolio Servicing is in violation of the Statute of Limitations to collect a debt according to Georgia State SOL Laws. 

I demand that the foreclosure scheduled for XX/XX/XXXX on my Property at XXXX XXXX XXXX XXXX be postponed until they can prove they are not in violation of these Statute of limitation laws of Georgia. I request a detailed account of Select Portfolios reasoning that they are not in violation.
Consumer complaint received 2019-09-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE (FL)

On XX/XX/19 I over paid my Barclay MasterCard balance by almost {$6000.00} ( {$5700.00} ). This amount was supposed to go to a different credit card balance. We were traveling at the time. I called and ask them to refund the balance, my bill was around {$250.00}. First they said they would send me a check in 5 - 7 business days. I told them I wasn't at home would they just put the money back to the checking account I paid them with. After putting me on hold, they came back and said yes but it would take up tp 25 business days. I told them that is an insane amount of time to electronic transfer funds, should take 2 minutes, but I agreed because we were out of town. On XX/XX/19 I logged onto our account and there was an email which said they can send me a check for the credit balance on my account. I emailed them back and said " what are you saying, I was told you are transferring the money to my checking account ''? They responded with, oh sorry, yes we are! I talked to them today, XX/XX/19 and of course they have done nothing. I was told sorry they didn't transfer it and can't. I told them this is unacceptable, you have thousands of dollars of mine, held it for 30 plus days and now say you can't do what you told me you would do. They want to send me a check but we are still not home. PLEASE HELP.
Consumer complaint received 2024-03-07
Product: Credit reporting 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. (FL)

Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to Equifax, XXXX, and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15 U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of acoounts/inquiries that are still reporting on my Credit Reports : Inaccurate Names : XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX Accounts : XXXX XXXX XXXX XXXX, XXXX  SELFREPORTED XXXX XXXX, XXXX SELFREPORTED XXXX *******, XXXX  XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX******************* ; Inquiries : XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry XXXX XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX, EQUIFAX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX  Inquiry XXXX, XXXX Inquiry Date XX/XX/XXXX and EQUIFAX XXXX XXXX Inquiry Date XX/XX/XXXX.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Consumer complaint received 2019-04-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harvard Collections, LLC (IL)

Asked XXXX and XXXX to research a collection on my credit report from Harvard Collection.  This investigation was closed on XX/XX/2019 stating that the amount was still owed when infact it was paid in full on XX/XX/2019. I asked for it to be removed from my credit report and nothing has been done to remove it and to update my file. This collection is hurting my credit score and I would greatly appreciate it being taken off.
Consumer complaint received 2019-04-01
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. (LA)

I have not used my credit since I purchase my home, due to the new mortgage payment. I decided to try a refinance of my home loan and found all of these accounts on my credit report and they aren't my accounts. I also had to list additional accounts on my comment section of the identity theft report, beacue it wouldn't allow me to upload, the additional accounts.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (FL)

First of all, I have three companies ( XXXX XXXX XXXX, XXXX and XXXX XXXX ) writing, emailing and call me for the same account. Each of them have different account numbers but XXXX XXXX XXXX have me list on the credit bureaus as being late. I called XXXX XXXX who I was making payments to about my account they told me they do not put anyone on the credit bureau. I asked them then who is XXXX XXXX XXXX. I called them and I was switched to the collection department. i asked why did they put me on the credit bureau and they said I missed a payment. I never missed a payment to XXXX XXXX  but they said I missed in XX/XX/2021 which the payments were taken out automatic each month. I called my credit card company and they said a payment was never taken out but two payments were taken out the following month. I offered to pay this account out full if they would remove the information from my credit because it was not my fault and I don't know who XXXXXXXX XXXX  is and they have report inaccurate information to the credit bureau. they said they could not remove it and they would file a dispute and get back with me. No-one from that company did not get back with me and they continued to call, email and harass me along with the other two companies.. I wrote three letters to XXXXXXXX XXXX and they have not responded to any of them. They have continued to ruin my credit reporting late payments inaccurate information and they have not prove the account is mine which is information I requested..
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

First of all, I have three companies ( XXXX XXXX XXXX, XXXX and XXXX XXXX ) writing, emailing and call me for the same account. Each of them have different account numbers but XXXX XXXX XXXX have me list on the credit bureaus as being late. I called XXXX XXXX who I was making payments to about my account they told me they do not put anyone on the credit bureau. I asked them then who is XXXX XXXX XXXX. I called them and I was switched to the collection department. i asked why did they put me on the credit bureau and they said I missed a payment. I never missed a payment to XXXX XXXX but they said I missed in XX/XX/2021 which the payments were taken out automatic each month. I called my credit card company and they said a payment was never taken out but two payments were taken out the following month. I offered to pay this account out full if they would remove the information from my credit because it was not my fault and I don't know who XXXXXXXX XXXX is and they have report inaccurate information to the credit bureau. they said they could not remove it and they would file a dispute and get back with me. No-one from that company did not get back with me and they continued to call, email and harass me along with the other two companies.. I wrote three letters to XXXX XXXX  and they have not responded to any of them. They have continued to ruin my credit reporting late payments inaccurate information and they have not prove the account is mine which is information I requested..
Consumer complaint received 2022-07-05
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. (IL)

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Consumer complaint received 2022-03-30
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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (PA)

I was taking Advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, I cant get a job, I couldnt close on a deal, that caused a financial impact. Under this crisis, you have hurt my ability to obtain credit.
Consumer complaint received 2019-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: AFNI INC. (AZ)

XXXX XXXX referred an account for collections, which I have disputed not only with XXXX but the collection agency AFNI. I had disputed this account via telephone with AFNI requesting validation of the said debt. I did receive a response which was a automated letter dated XXXX, please see attached. This communication received from AFNI gave no details, only they have verified with the creditor. I had sent my 1st dispute in writing requesting the information I had requested via the telephone. please see attached, item # 1. 
Item # 2 thru # 5 attachments is the response received from AFNI dated XXXX with the same automation letter only this time with 1 line " this letter serves as verification of the account '', along with a copy of the of the last statement from XXXX showing a credit for the current month but a " previous Balance '' and this is where my dispute is and has been, I have no knowledge of this " previous balance ''. The service was no longer in use and the equipment was hand-delivered to a XXXX store on XXXX XXXX. in XXXX, AZ for I had moved from the address XXXX services were installed at. 
Item # 6 my request once again for validation dated XXXX, I never received any response from AFNI after this. 
Now I just check my credit bureau and found AFNI has of XXXX has listed a derogatory rating to my report.
Consumer complaint received 2023-04-06
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have been defrauded across all of my accounts and credit reporting bureaus. They have improperly used my SSN/identity for their own gain. I have frozen or opted out across the following reporting agencies ; XXXX - Frozen XXXX - Frozen TransUnion - Frozen XXXX - Opted Out XXXX - Opted Out XXXX - Opted Out PACER - Sent email to opt out
Consumer complaint received 2019-04-01
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: SYNCHRONY FINANCIAL (OH)

A few years back I applied and was approved for an XXXX XXXX credit card which is issued through Synchrony Bank. Originally I was approved for XXXX then a few months after that they lowered it to XXXX, I didn't complain about it BUT I was active in using my card and ALWAYS paid my bill on time, NEVER LATE!!! Most recently I paid the full balance and thought I was doing the responsible thing. When I went to use my card a month later I was told my account was CLOSED then I received an email from the credit report agency inquiring if I closed the account which I responded NO!! I then receive a letter from Synchrony Bank that after checking my credit reports ( no permission and why?! ) in spite of my excellent payment history they decided to close account! This makes a negative mark on my credit report!!!!!!!! I am furious_ if I had never paid them off I would STILL have an active account! How UNFAIR is this. Their letter informed me of my credit score and other information that goes beyond my permission to check. They were only allowed to check my history with them. Thank you!
Consumer complaint received 2019-04-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL (IL)

I opened a new account with Synchrony Bank a XXXX Master Card and was approved for the card. A few days after being approved and setting up my online acct in order to pay the bills, I called into Synchrony bank in order to ask a simple question about the promo interest rate on my XXXX card I was told my card was locked and cant be used because a packet was sent out to me and I needed to handle that first. 

After waiting 2 weeks I finally received the packet and it was a request to fill out a form giving my permission to a 3rd party to contact the social security Dept top verify my Social Security number.

I called into to speak with someone at Synchrony Bank and was told if I don't fill out the form and give permission to this 3rd party my acct would be closed within 30 days.

This seems nuts to me I have plenty of credit cards and this has never happened before and I don't feel comfortable giving permission to a 3rd party to obtain my private SS info and don't trust them with my Social Security number.

I chose to do business with Synchrony Bank not this random 3rd party.

I told them I have no issue sending them a copy of my ss card or taking into one of their banks or stores to verify.

Can you help me please!!

I want to keep these accts open, BUT with all the recent data breaches going on I don't feel comfortable giving their 3rd party permission to obtain my SS info..
Consumer complaint received 2022-03-30
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)

I did not approve these XXXX or so inquiries on my credit report this has caused me absolute financial difficulty please remove these asap ... .this is a violation of my rights under the fcra
Consumer complaint received 2022-03-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc. (CA)

This account was previously deleted since it was an identity theft and I provided with the Identity theft police report to the previous collection company 3 years ago. Now I believe they sold the account to another company and the collection re-appeared 3 months ago. Ruining my credit and my home refinancing process.
Consumer complaint received 2019-05-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mid-America Accounts Control Bureau, Inc. (KS)

Medical debt was put in my name somehow, it belongs to my ex-wife, she called asked repeatedly for them to put it in her name and she is paying on it. They are still reporting it as my debt, when she called and assumed the debt, made payment arrangements, and they said they would remove it from my credit but they haven't and won't. I disputed it through the credit agency it's still there. I called Mid-America collections they were rude and hateful told me to dispute it again, what more can I do. I asked if my divorce attorney could show them that it isn't mine and it needs to be reported on hers, they were rude and extremely hateful. 
They won't even tell you who they are when you call unless you tell them you have an account with them.
Consumer complaint received 2022-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : Chapter XXXX Bankruptcy / XXXX/ {$0.00}