davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-03-21
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Terrill Outsourcing Group (AR)

On XX/XX/XXXX I received a phone call from a collection agency stating they now own a debt that was once owned by XXXX XXXX XXXX XXXX XXXX XXXX XXXX on an account opened XX/XX/XXXX. The company that contacted me was Supulative RM. During this phone call, I told the representative I was unaware of this debt being sold and asked them to send me a verification of debt. A verification of debt letter was written and sent to them later that afternoon asking for specific information. Superlative responded with a copy of statments from XXXX XXXX. Though this is part of the information requested, it wasn't all of the information requested to prove the debt. In my letter I requested information in occordinance to information provided to me from the Consumer Financial Proctetion Bureau including topics : Why they think I owe the debt, The amount and age of the debt and their athority to collect this debt. I reside in Arkansas and under the laws in Arkansas any debt collector who is attempting to collect a dept must hold a license in Arkansas, neither of the listed companies above hold that or have not provided any proof that they hold athority to infact collect on this debt. XXXX XX/XX/XXXX will be 30 days since I have requested this information and have not had any contact from them regarding this issue. Also, The XXXX XXXX XXXX still reports to my credit as owning the debt, when they infact sold it to a new company.
Consumer complaint received 2021-06-14
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: OneMain Finance Corporation (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2021-08-23
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

This complaint is one more attempt to get a fair solution to this issue with Bank of America. I have called them several times and explained my situation but they've ignored me and they just wrote a note on the account. 

The account was opened fraudulently. I was told by the BOA customer service representative that as soon as the account closing happened, the money was going to be taken out of my savings deposit account and that I didn't need to pay. Despite this, BOA still ended up reporting account as a charge-off. 

Now Im unable to get a mortgage, Im asking that this account be removed from my credit report as soon as possible. This issue has caused several financial and emotional damages. All I am asking is what is fair. 

The account information is as follows : Bank of America credit card, credit limit {$300.00}, date opened XX/XX/2018.
Consumer complaint received 2021-06-14
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. (CA)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2021-06-14
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)

I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to XXXX and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.
Consumer complaint received 2020-02-14
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)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$110.00} Reason : Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$550.00} Reason Original Creditor : XXXXXXXX XXXX XXXX   Open Date : XX/XX/XXXX Status : OPEN Balance : {$510.00} Original Creditor : XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$490.00} Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$11000.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$790.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX GA Open Date : XX/XX/XXXX Status : OPEN Balance : {$1900.00} Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$2300.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Discharged Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Dismissed Amount : {$0.00}
Consumer complaint received 2020-02-14
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (IL)

Please help! I did not authorize transactions on PayPal. I contacted the company but I did not receive any money back. There are 2 amounts was unauthorized. One is {$450.00} to XXXX XXXX and another one is {$500.00} to XXXX XXXX.
Consumer complaint received 2020-02-14
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. (IL)

Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  XXXX  and Transunion are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$110.00} Reason : Original Creditor : XXXX XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$550.00} Reason Original Creditor : XXXX XXXX XXXX   Open Date : XX/XX/XXXX Status : OPEN Balance : {$510.00} Original Creditor : XXXX  XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$490.00} Original Creditor : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$11000.00} XXXX XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$790.00} Collection Agency : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX GA Open Date : XX/XX/XXXX Status : OPEN Balance : {$1900.00} Original Creditor : XXXX XXXX Open Date : XX/XX/XXXX Status : OPEN Balance : {$2300.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Discharged Amount : {$0.00} Bankruptcy Reference # XXXX Date Filed : XX/XX/XXXX Status : Dismissed Amount : {$0.00}
Consumer complaint received 2020-02-14
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY (IN)

On XX/XX/2020 I went to XXXX XXXX XXXX which is located in XXXX  XXXX, Indiana and use the atm to withdraw {$200.00} out. I must have not taken my money out fast enough and the atm retracted the money back inside. I got lost prevention to check on the atm which they all insisted i didnt receive my cash and to consult with my bank and the charge would in fact be reimbursed to my account. I then proceeded to use another atm while they watched this time as i was able to finally withdraw {$200.00}. Each time i used the atm my account was deducted from my balance. American Express Serve is my bank. On XX/XX/2020 I disputed the transaction and was denied my claim.I was charged a total of {$400.00} and only received {$200.00}.
Consumer complaint received 2019-10-17
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A. (GA)

I have had a {$10000.00} limit for years. I have had no delinquencies and have never gone over my credit limit. My credit score has been under 600 for over a year. I paid {$1500.00} on my balance on XX/XX/XXXX and on XX/XX/XXXX my credit limit was decreased to {$1600.00}. The Home Depot credit card customer service supervisor said it was just coincidental. I explained to her I paid the {$1500.00} and also paid other cards off/down in order to increase my credit score, and that by lowering my limit they are preventing that, and for them to drop my limit that low was ridiculous, even the first customer service rep made that remark. Her solution was I could request an increase which means they would need to run my credit. She could not explain how they lowered my credit based on my credit report but would need to run my credit again to raise it. They just ran a report supposedly when they lowered it.
Consumer complaint received 2024-03-24
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Capital One is obviously using unreliable, PUBLIC, non-credit sources to solicit pre-qualifications for their card. I have received via mail to my residential adress XXXX ( XXXX ) offers with XXXX different names on them and XXXX of the names have not lived at my address for at least XXXX years or never lived there at all. Everytime I send mail back, I receive MORE mail with different names. Like, Capital One is DESPERATELY taking a shot in the dark increasing the risk of identity theft and/or fraud for all consumers involved. 

I have moved a couple times so I wonder, what random mail is Capital One sending to those old addresses with MY name on it.
Consumer complaint received 2021-08-23
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. (TX)

I have sent out multiple letters out on this company. And they still have not removed it off my report. The last reported days on on different days. And the day last active are all wrong. XXXX XXXX.
Consumer complaint received 2021-06-14
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: ENOVA INTERNATIONAL, INC. (GA)

In XX/XX/2021, I pulled my credit report from XXXX  and XXXX  and to my amazement, the company was still reporting me as a charge off. I immediately sent the company a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX XXXX to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with XXXX  and XXXX  directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.
Consumer complaint received 2022-10-11
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Credit Technology, Inc. (NV)

XXXX REPORT PROVIDED BY : CREDIT TECHNOLOGY XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, CA XXXX VOICE XXXX FAX XXXX Falsified my credit report for company listed XXXX  XXXX XXXX XXXX XXXX XXXX XXXX. CA XXXX XXXX I have evidence/proof of previous credit report also requested from all three bureaus XX/XX/XXXX to verify scores stated/attached.
Consumer complaint received 2018-05-24
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Rossman & Co & PCB (OH)

The company, PCB called from XXXX, in an effort to collect on a debt owed to XXXX XX/XX/XXXX XXXX in XXXX, OH. My daughter had suffered an accident in the Fall and at the time her mother was handling the medical bills, as was our agreement in our parenting plan. Her mother died in XX/XX/XXXX, and I have been slowly learning of and resolving the outstanding medical debts. 

Over the last month I have already resolved over {$1100.00} of outstanding bills, including {$750.00} just earlier this week. On Thursday, XX/XX/XXXX, at XXXX XXXX  I received a call from PCB while I was on my way to work ( I work second shift for a State agency that manages XXXX broadcasts in the State of Ohio ). The caller informed me she was calling to resolve a bill owed to XXXX XXXX XXXX. I informed her that I was driving and could not resolve the issue at that time. The caller told me that she would mark that down as a refusal to pay. I told her I wasn't refusing to pay, I just could not retrieve my payment method at that time.The caller informed me she could wait for me to pull over so I could retrieve my Credit Card. I informed her I was on the freeway and could not pull over at that time. The caller informed me she would wait. I said fine and continued to drive. About a minute later she asked if I was ready. I informed her that I was not, that I was still on the freeway. She again said that she would mark it as a refusal to pay. 

Once I was at a safe place to park, I contacted XXXX XXXX XXXX myself and took care of the balance directly.
Consumer complaint received 2021-06-14
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. (GA)

In XX/XX/2021, I pulled my credit report from XXXX  and Experian and to my amazement, saw that a creditor was reporting me as a charge off. I immediately sent a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX ) to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with XXXX  and Experian directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.
Consumer complaint received 2021-06-14
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: EQUIFAX, INC. (GA)

In XX/XX/2021, I pulled my credit report from XXXX  and XXXX  and to my amazement, saw that a creditor was reporting me as a charge off. I immediately sent a dispute letter via certified mail dated XX/XX/2021 ( Tracking # : XXXX ) to validate this debt. I never received a written response to this inquiry. 

After not receiving a response, I disputed this information with XXXX  and XXXX  directly. I got a letter back about three months past my original inquiry date stating that my debt was verified. However, this debt is still not validated per the requirements of the FCRA.
Consumer complaint received 2021-06-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

Carrington Mortgage have reported 80 late payments on my credit report they are old reports. This company is keep me from refinancing my house. It has Major repairs need to be done on the roof the insurance adjuster did not approve the claim only the inside of the bed. Theyre stopping me from getting loans to repair my roof on my house. The dates are XXXX 80 old late payments.
Consumer complaint received 2019-08-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (MA)

XX/XX/XXXX a collection account showed up on my credit report. I did research in to this company and from what I see they are scammers. Most reviews were people saying the company was collecting a debt from XXXX  XXXX XXXX or team mobile. It shows the account was opened inXX/XX/2019. I have been with the same phone carrier for over 10 years. I have had my identity stolen multiple times in the past and am constantly disputing things that show up on my report. I do not even know how this " account '' was opened as I have a freeze on my credit ( XXXX, XXXX, XXXX ) I have to call them to tell them I actually applied for something. Please have this removed immediately
Consumer complaint received 2020-02-14
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE (FL)

On Wed XX/XX/2020 XXXX XXXX, an unauthorized Western Union payment transfer was made from my account and using my personal bank account information to transfer an amount of XXXX USD to a person I do not know. This is the information that I received in an email : Receiver Name : XXXX XXXX City : XXXX Country : XXXX ZIP:XXXX XXXX, XXXX At XXXX I received an email notification that the payment was successfully and that alerted me to this unrecognized activity. 
At XXXX another transfer payment was attempted ( WU tracking number ( MTCN ) is : XXXX ) for an amount of $ XXXXUSD to a recipient that I do not know either : XXXX XXXX Address : XXXX XXXX City : XXXX  ZIP:XXXX Country : XXXX Mobile NumberXXXX Expected Foreign Country Payout Location : XXXX, XXXX Western Union Customer service called me, and I confirmed that I did not authorize any transactions on that day. 
Western Union provided me with a case number : ( XXXX ) I also contacted my bank ( XXXX ) and they put an alert on my account. I am in the process of disputing that charge but the bank is not willing to confirm the dispute at the moment. 
Please advise what is the best next step of action that I should take to resolve this issue. Thank you, XXXX XXXX tel ( XXXX  ) -XXXX-XXXX
Consumer complaint received 2020-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: DISCOVER BANK (NY)

XXXX  stills has an old account with DISCOVER card that was settled at a lower amount. The settlement was on XXXX, 2012 making it 8 years only record, when it should have been removed. The remaining balance is up to date, ( in fact 6 months ahead in payments on payments ). Current remaining is {$1600.00}
Consumer complaint received 2020-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Merchants and Professional Bureau, Inc. (OH)

This debt was incurred due to medical malpractice ( XXXX XXXX XXXX, XXXX, TX ). I asked the doctor to turn over my claim to his malpractice insurance company. This has cost me thousands of dollars to XXXX XXXX XXXX. I am still trying to collect damages from this doctor. He never responded and turned over me to collections Merchants and Professional Collection Bureau , Inc. I sent them a letter describing exactly this issue and instead of not contacting me and verifying my debt they start reporting this debt to the credit reporting agencies. They never verified the debt, like I asked and they never stopped it from being reported when I specifically told them not to, due to the circumstances above.