davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-30
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC (CA)

I canceled service two days after signing up. I exercised the 30 day money back guarantee. They did not have decent collection service. I explained many times that I didnt owe them anything. They would sometimes say ok other times they would say that they would get back to me. In the end I thought it was handled. Now they put the account into collection. I dont owe this money or I would have paid it. This is not correct!!!
Consumer complaint received 2024-03-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TD BANK US HOLDING COMPANY (NJ)

I XXXX XXXX am in fact writing this complaint, with purpose and is not a mistake. TD BANK is illegally furnishing unverified information with revoked permission on my consumer reports and are willfully noncomplying with my Gramm leach Bliley Act request to opt out of the sharing of my NON PUBLIC PERSONAL INFORMATION INCLUDING any alleged late payments or transaction history from being furnished. I sent in a letter with all of what the law requires under 15 USC 1666b - Timing Of Payments and 15 USC 6802 ( certified mail number XXXX XXXX XXXX XXXX XXXX XXXX that arrived XX/XX/2024 proof attached ) and received no response from TD BANK. This sensitive data being shared unlawfully without my permission is affecting my reputation and ability to receive funding for my business. TD BANK has failed to comply with both federal requirements under the credit card billing act and gramm leach bliley act, all proof is attached below. I'm submitting a comptroller and SEC complaint for noncomplying and mismanaging my security.
Consumer complaint received 2021-09-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Recovery Services, Inc. (MA)

I want to inform you that I have never done any type of business with this company that claims that I have any type of debts with them. I do not know and repudiate the action of this company that in the first place violates 15 USC 1692 e ( 9 ) by making a false representation that they have some type of business with me. 2. violate 15USC1692e ( 2 ) ( a ). Mentioning the legal status of an alleged debt. 3.Violation 15 USC 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 4.Violation 15 USC 1692e ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer. 5. Violation 15 USC 1692c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 6. Violation 15 USC 1692d ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. 7. Violation 15 USC 1692c ( b ) Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
Consumer complaint received 2018-02-26
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (MO)

I do owe the following debt collectors ( XXXX XXXX, XXXX XXXX ) nor was I ever contractual obligated to them. Once a debt has been bought, paid and/ or charged off, then it's no longer a debt, it's been sold and paid for. And with any contacts once the contract been sold, the original contract becomes void.
Consumer complaint received 2024-03-28
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A. (UT)

I was told on a phone call last year with best buy citibank card services that my 0 % apr promotional period extended through the end of 2024. I have auto pay set up on my card so it took me 4 months to realize I had started accruing interest earlier than I was promised. Upon calling in to card services today and escalating to a manager named XXXX, we were told they did not have records of this call and refused to forgive the interest accrued despite promises to pay the amount owed in full immediately upon forgiveness of interest. This is a fault of citibanks record keeping and I have now been lied to and taken advantage of by bestbuy card services.
Consumer complaint received 2022-01-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC (MD)

I am requesting a payment history of our closed mortgage account from Shebllpoint Mortgage Servicing. After an very long investigation, we found out that Shellpoint is reporting very different data to the three credit bureaus. For XXXX the data has been changing still after the closing of the account. It is only reporting seven of the seventeen payments that were made. This is separate from reporting the accounts monthly status as good. The account balances to the credit bureaus are not accurate from month to month. The balances are higher than when the loan transferred to them in XXXX of XXXX. At that time the balance was {$190000.00} and after a total of 17 consecutive payments starting from XX/XX/XXXX through XX/XX/XXXX, the monthly balances reported to the credit bureau 's have been higher than what is reported on the monthly statements. We have disputed this before, but they refuse to correct the wrong data. The main one is the XXXX account. The Annual Credit reports shows that out of the seventeen consecutive payments made, Shellpoint only reported seven ( 7 ) of those seventeen payments that were paid on time XXXX. This action greatly affects the credit score outcome as well as balance history, in that it makes the account report that the balance has not decreased over time. The shellpoint account is being used to cripple our credit reporting. We have documented that for the research that was done.
Consumer complaint received 2021-09-25
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: Experian Information Solutions Inc. (IA)

Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I recently filed a complaint on XX/XX/2021 with Experian about some disturbing information I noticed on my credit report and I havent heard anything back in regards of that dispute. Who game Experian permission to report anything on me? I need answers now!
Consumer complaint received 2019-05-25
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Synerprise Consulting Services, Inc. (TX)

They did report my debt to credit Bureaus without investigation, It made horrible impact in my credit history and I lost loan that I was working for while! 
They found out amount of debt was not correct!! So they changed bill but they never send me new bill until XX/XX/XXXX and I paid same date
Consumer complaint received 2022-01-29
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc (CT)

On XX/XX/2021, I made a one-time donation of {$25.00} to an XXXX XXXX organization on XXXX through XXXX. I printed the receipt which states in black and white : ONE-TIME donation. I did this donation through my Paypal account. 
I noticed a few months later that Paypal had additionally withdrawn $ XXXX for the months of XXXX and XX/XX/2021 to XX/XX/XXXX - COMPLETELY UNAUTHORIZED BY ME! I disputed the total of {$50.00} that had been taken from my Paypal money and transferred to XX/XX/XXXX with Paypal several times and they insist they did nothing wrong - I disputed further with Better Business Bureau - twice, and both times they refuse a refund. I have conveyed copies of the receipt I mentioned above to both Paypal and BBB. I do not understand how I can make a donation - never seeing an option to make it recurring and having NEVER indicated that I wanted it to be recurring- and printing the receipt which actually states " ONE-TIME '' FOR " HOW OFTEN '' the donation is made. Isn't it illegal to mishandle MY MONEY by Paypal in this way? If you can not help can you tell me what financial regulation agency I can appeal to that regulates Paypal 's handling of people 's money? Thank you
Consumer complaint received 2015-05-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

On XXXX/XXXX/2015. I made a complaint on Santander Consumer USA about my car loan. I have since spoken to different people again. I spoke to a XXXX, who stated he was with the management team. However I still DO NOT see any results. Again on XXXX/XXXX/2015, my statement said my principal was {$8700.00} and the ESTIMATED payoff was {$8800.00}. On XXXX/XXXX/2015, I made a car payment of {$470.00} and on XXXX/XXXX/2015 I made a principal payment of {$1000.00}. On XXXX/XXXX/2015, I received my XXXX statement. It showed a principal of {$7400.00} and a ESTIMATED payoff of {$7500.00}. On XXXX/XXXX/2015, I made a principal payment of {$1000.00}, on XXXX/XXXX/15 a car payment of {$500.00} and again on XXXX/XXXX/15 another principal payment of {$1000.00}. I check my account on XXXX/XXXX/15 and it shows an ESTIMATED payoff of {$5000.00} ( HOW ). I 'm BEGGING for some help with this matter. I just want to be treated fairly. Can someone PLEASE assist me with this matter? PLEASE
Consumer complaint received 2022-01-29
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 debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all 3 XXXX XXXX XXXX XXXX XXXX XXXX, Experian, XXXX ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and Experian have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
Consumer complaint received 2021-09-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (NY)

I used XXXX XXXX XXXX  's bill payment service to pay barclays business credit card. At this time my bank account was though to be hacked. As such they put a hold on all payments. Barclays is now charging a {$39.00} return payment ( XX/XX/2021) for that attempted payment. I tried calling twice to discuss the unique situation with no solution.
Consumer complaint received 2022-01-29
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. (FL)

This debt was sold from XXXX XXXX XXXX XXXX XXXX XXXX I know this because I called XXXX to make the payment, who sent me to XXXX. This debt was paid in full to XXXX XXXX on XX/XX/2001 despite NEVER receiving any communications from them. This is not an OPEN account with XXXX XXXX. I have disputed this account on multiple occasions because XXXX XXXX and XXXX refuse to report accurate information and delete the accounts as agreed. NONE OF THE INFORMATION MATCHES ACROSS AGENCIES. If the agencies are properly validating these accounts then shouldnt they all be getting the same information? Yet all XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Equifax ) continue to ignore my disputes and mark it as verified as accurate. When, in reality, they can not even accurately or legally validate the account. I want these accounts removed from my credit report immediately in accordance with FCRA regulations. XXXX XXXX has illegally added this account as a NEW and OPEN account on my report. Inconsistencies include : Account Type, Account Status, Account Numbers, Date Last Active, Date Last Payment, Date Last Reported, Date Open, Payment Status, Credit limit, and comments. XXXX and XXXX have missing information. These accounts have negatively affected my ability to get a credit card, a loan, a mortgage, and they are negatively affecting my military security clearance.
Consumer complaint received 2024-03-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

This is Not my. Debt please send me the original. Documents and copy. Of identification of proof. Please. Deleted off of my credit report asap 15 U.S.Cs 168 federal credit reporting act n accordance with the Fair Credit Reporting act PORTFOLIO RECOV ASSOC 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 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Consumer complaint received 2022-01-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I, XXXX XXXX, checked my credit report and noticed some fraudulent and inaccurate accounts and inquiries on my credit report. I reached out to the credit bureaus to remedy the situation but they would not help me to remove these fraudulent accounts.
Consumer complaint received 2021-09-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

On XX/XX/25, I wrote to Experian ( as well as the other credit bureaus ) to inform them there was a lot of suspicious accounts that didn't belong on my credit report. I'd recently experienced an identity theft issue and included a copy of the police report as proof of same. While the other credit bureaus investigated and removed the questionable accounts, Experian claimed to have investigated the information but clearly did not, as they are the only credit bureau that did not remove the accounts AND they even added a duplicate account. I wrote to them again on XX/XX/XXXX to again ask for their help and they eventually responded with the same actions and offered zero assistance with the situation, dismissing my problems as frivolous.
Consumer complaint received 2018-12-20
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HSBC NORTH AMERICA HOLDINGS INC. (AR)

XXXX XXXX filed bankruspy XX/XX/XXXX they was unable to valdate the account XXXX  XXXX  XXXX had to delete the account then in late XX/XX/XXXX it was put back on credit report
Consumer complaint received 2023-07-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

15 USC 1681 im in the process of buying a house and this credit report is defamation to my character and livelihood for this credit report be inaccurate. i noticed unauthorized inquiries on my credit report that i would like removed. According to the FCRA, these unverified and unauthorized items must be removed. XXXXXXXX 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 child sup has incorrect information on my credit report that also is causing damage to my livelihood. I've been denied careers and business opportunity due to inaccurate credit reports.
Consumer complaint received 2017-08-24
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. (CA)

I recently settled the amount that XXXX XXXX XXXX accumulated over a late fee charge, interests over several months and annual fee for a credit card that was linked to my checking account that I closed ( to use for online payment and billing statement access ). In XXXX XXXX, my last online payment was {$380.00}, paid in full as I closed my checking account, I had no access to the online statement and closed this credit card. Apparently in XXXX XXXX, balance was {$29.00} including {$1.00} fees charged. I did not receive any notification of my balance owed. In XXXX XXXX, fees were charged, balance became {$31.00}. The fee charges continued for several months without my knowledge. No phone call or mail to notify me that I still owe them on this credit card. During this time, there were no activities or purchases on the credit card. The XXXX statement showed an annual fee of {$50.00}. By XXXX XXXX, the total amount, balance was {$90.00}. They indicated 'charge-off adjustment '. I did not learn about these charges and amount owed until XXXX when a serious delinquency was reported to the credit bureaus and this caused derogatory information in my credit score. I contacted the creditor in XXXX XXXX to work on a settlement. I asked for hard copies of the billing statements because I had forgotten about this account from XXXX. 

I called and asked one of the Supervisors to waive the fees charged over the months as they failed to notify me, I did not have access to the billing statements online. There was no way for me to know I owed them any balance since I closed the account. The creditor refused my offer and demanded that I pay the full balance. 

As I was applying for credit on a big purchase this year, this came back to haunt me. The serious delinquency report lowered my credit score. I called, lost the battle and paid the balance of {$90.00} on XXXX XXXX, XXXX. The representative assured me that I will get a letter in 10 business days to confirm that this has been settled and that derogatory item will be removed from my credit history. Three weeks had passed and I have not received the letter. I disputed with the Credit Bureaus but uncertain on what actions have been taken on their investigation.
Consumer complaint received 2019-05-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WV)

In 2008, I bought a time share with XXXX XXXX XXXX in XXXX, Fl. I paid off the time share. They invited me down and sold me an " ungrade, '' saying I had several days to cancel the deal. I sent a certified letter to cancel the deal. They refused the letter. They turned me over to collections. I agreed to return their deed in lieu of foreclosure. They were supposed to clear my credit report. To this day, seven years later, their negative report is still on my credit report. I feel they defrauded me, taking my paid off time share and refusing to cancel an up-grade deal. I want this off my credit report.
Consumer complaint received 2018-02-26
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Recoveries, Inc. (NC)

On XX/XX/XXXX I have contacted XXXX XXXX XXXX located in MN, because after I didn't receive my taxes I contacted the it's, which gave me the number to the bureau of fiscal services, who finally gave me the amount that was suppose to be garnished, and then they gave me the number to National recoveries. they had told me they had sent something to my job in XX/XX/XXXX about starting garnishment on my wages. I no longer work for that job. My main complaint is that I didn't receive any letter informing me of a wage garnishment, and I didn't receive any information about disputing the garnishment. I didn't even know I could dispute this, untill I looked it up on the bureau of fiscal services website.
Consumer complaint received 2019-10-04
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P. (FL)

XX/XX/XXXX I filed a bankruptcy it was discharged. 
I continue to receive letters from LVNV Funding LLC ( XXXX XXXX XXXX ) Account # XXXX On XX/XX/XXXX I received another letter- I called XXXX and spoke with a XXXX XXXX who informed me that they just received my letter on XX/XX/XXXX. Informing them I filed a bankruptcy, in XXXX. I was told by Mr. XXXX that the letters crossed in the mail. 
I send them a letter years ago after they contacted me the 1st time regarding this debt.