davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-09-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Perfection Collection (CA)

I obtained XXXX, the product was defective. I tried calling them to fix it and they never did. I cancelled services with them and sent them their equipment back through XXXX. I did it within 1-2 months after obtained services from them because of their refusal to fix their defective product. 
The system would not allow AC to work properly or would not control things properly either. -In XXXX , California the average temperature during the summer is around the 100-110 degrees, so I needed a functional AC for my family. 
XXXX never sent me a bill with a balance after I sent them their equipment back, I called them in several times asking for a balance corrected after I sent the equipment, but they were not able to tell me a balance, even any amount of money. 
Back on XX/XX/2018, I discovered a new collection on my XXXX credit report, a collection agency named Perfection Collection is reporting XXXX account for {$2100.00} dollars. It called my attention because I never received an initial notice or call from this debt collector, also the balance doesnt make sense to me, I really dont know from were the {$2100.00} dollars come from, if it is for a service or for equipment. 
On XX/XX/XXXX I called them and asked for an Itemization letter because -even today- I dont know the reason of the {$2100.00} dollars in collection. During the call the representative was unable to confirm my mailing address and that makes me think they never send me an Initial collection notice or something similar. The representative asked me for an email and she would send me an email with an Itemization statement. 
I wait for the email until XX/XX/XXXX, I called again but no body answer my call and I called for several days, -During this time I thought this debt collector was a scam or a fake company- They answer my call on XX/XX/XXXX and they told me they didnt have a record of my Itemization Statement on XX/XX/XXXX, but this time the representative said they sent me validation letter twice by XXXX, thing that I didnt receive. Later I received an email from XXXX XXXX from Perfection Collection, the email had an attachment, it was a picture of the original contract with XXXX, But I wasnt included and itemization statement. 
I called again on XX/XX/XXXX to ask again for an Itemization statement because I need an explanation of the amount in collection, then they suppose to send me a detail Itemization statement, but they again sent a photo of the original contract with XXXX. 
At this point I believe this collection agency doesnt have an Itemization statement and they cant explain the reason of the bill. Also, they never sent me, and Initial collection notice and they got my mailing address at the time of my first call to them.
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: U.S. BANCORP (CA)

At XXXX CA time on XX/XX/2018 I got a call from a US Bank rep asking me if I had submitted a credit card application with address=XXXX XXXX XXXX , XXXX XXXX , CA XXXX. I told her no and that I had not lived at that address for over 35 years! She also said the phone number listed on the application was a different phone number than the one she was calling me at. She then said the credit card application was denied and a fraud investigation would begin. It didn't! At XXXX on XX/XX/2018 I called US Bank fraud dept at XXXX and the rep took my correct mailing address, phone number and email address and said an investigator would call me. No one did! 
To my surprise and horror, I received an alert on XX/XX/2018 from XXXX XXXX XXXX credit monitoring stating that a credit card application was approved by US bank and that {$250.00} had been charged on that account which was being " investigated. '' HOW COULD THAT HAVE HAPPENED? 
Doesn't the bank have to verify the credit card applicant 's correct mailing address and phone number before approving the card application? Both address and phone on the application were wrong, yet it was approved! 
Doesn't the bank issuing the card need some other form of ID like a CA Driver 's license number and expiration date? A bank or credit card held by the applicant? 
-- >NONE OF THE ABOVE WERE PROVIDED. 
Also, three Fraud US Bank reps I spoke to promised to relay the information I provided to XXXX the investigator, but she told me today on the phone that no one had provided her any information on this case. Finally, when you call the number to report fraud on US Bank website [ https : //www.usbank.com/XXXX  ] which is XXXX, and after a long hold, a rep has to transfer you to another number/department and you are then put on hold for over 1 hour! They not only don't list the correct number but they are so short of legitimate Fraud reps that the victim can't get through on the phone! US Bank should be penalized for the above negligence and irresponsible conduct!
Consumer complaint received 2021-09-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO. (NY)

I have been victimized by identity theft. The fraudulent Activity happened on XX/XX/2009 with a balance of {$10000.00} which I did not make. I have filed this to the police and they advised me to submit a dispute.
Consumer complaint received 2020-09-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC. (PA)

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Consumer complaint received 2022-03-08
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. (NC)

I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
Consumer complaint received 2019-04-24
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (IN)

I have asked on multiple occasions for this company to not call me or leave voicemails. I still regularly get calls and threatening voicemail messages which I have saved starting afert the first time i made the request. When I have called back to escalate to a supervisor to again make sure the calls cease I have beem hung up on more than once!
Consumer complaint received 2020-04-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P. (IL)

I contacted XXXX XXXX and Resurgence today XXXX around noon with an attempt to understand why I received a court summons to go to court on XXXX. I should not be going to court over a fraud account. I sent documents requested by the Fraud Department with XXXX XXXX on XXXX via email to Resurgence certified mail on XXXX. I have been awaiting a response from XXXX. Today after talking to XXXX at XXXX, I realized that there is another email that I could follow up with XXXX on. I forwarded documents to that email. Resurgence told me that CACH LLC recalled the debt allegedly owed by me. Instead of correspondence from Resurgence and/or XXXX XXXX, I received a court summons letter from CACH LLC filed on XXXX at XXXX XXXX at the XXXX XXXX with no court date or time. There was a request for a substitute appearance. This is not my debt or responsibility to be sent to court. I also do not have a good number on CACH LLC ; Resurgence would not give me the number to CACH. I have not heard of or even heard from CACH LLC. I sent all documents and CACH LLC recalled the debt for a reason I do not understand. This is not my debt. Thank you.
Consumer complaint received 2021-12-02
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paramount Recovery Systems, L.P. (FL)

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

PARAMOUNT RECOVERY SYS Account number XXXX Original creditor XXXX XXXX XXXX. 
Date opened XXXX XXXX, 2021 Status updated XXXX 2021 Account type Collection Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Balance {$950.00} Balance updated XX/XX/2021 2021
Consumer complaint received 2018-09-13
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: ENCORE CAPITAL GROUP INC. (MI)

I have disputed an inaccurate account that is not mine from XXXX XXXX over six ( 6 ) different times for {$410.00}. Each times comes back as verified but its impossible because I hav enever used any service that XXXX XXXX is collecting for.
Consumer complaint received 2021-09-05
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Stern Recovery Services, Inc. (NC)

Stern Recovery services placed a collection on my credit reports for XXXX XXXXXXXX XXXX XXXX XXXX. I e received no correspondence from the collection agency which is required by the FCRA. They performed an illegal act and placed this collection without verification. They have violated contract law and are committing extortion.
Consumer complaint received 2019-04-24
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)

xperian, XXXX and XXXX has a collection and inquiries on my credit report that is not mine. 

XXXX XXXX collection is not mine. 

inquiries reporting that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (LA)

Dear CFPB, I'm writing for you for URGENT assistance to correct some information on my credit file which is hindering me from gaining employment, getting financed for housing, and life necessities. 

PLEASE VERIFY THEY HAVE MY CORRECT CONTACT/ADDRESS INFORMATION. 

Equifax is reporting unknown inquiry information from dates XX/XX/2018 - XX/XX/2018 that I didn't legally authorize. They're illegally allowing companies to run my credit without approval. 

This information is negatively affecting my credit score, and I would like it removed ASAP. 

Please assist me in getting these items removed from my report so I can no longer be prohibited by the negative information which is impacting my livelihood.
Consumer complaint received 2019-03-30
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (NY)

Paypal They call multiple times everyday and do not leave a message. On Thurday, XX/XX/XXXX I contacted them to see if they would work with me to try to have fees waived so that payments I was making were totally going toward principle. Right now the principle has almost doubled with the fees and interest added. Because I couldn't make a payment Thursday they directed me to pre-bankruptcy counseling firms. I make too much money to do bankruptcy but not enough to keep up with the cost of living in NYS. The amount owed is approximately XXXX ( XXXX ) Payment was made for XXXX and a late fee was attached in the amount of {$38.00} and interest of XXXX which only left {$2.00} going toward the balance. I became a widow a few years ago and had never managed household expenses. Also I get very small increases at work {$25.00} per payperiod yet my rent went up XXXX per month and fees doubled per year.
Consumer complaint received 2021-12-02
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: EQUIFAX, INC. (PA)

Equifax does not follow federal, state or local law in my state of Pennsylvania. 
It says I have 5 hard inquiries on my equifax report when I wrote, emailed and called customer service that deals with this. They didn't do proper investigation because it is pretty easy. I had a credit freeze on my report for year 's and that stops all inquirerys to happen. So how could that do any investigation when my file was froze. That isprettty easy to pull all 5 hard pulls when it was froze.?
Consumer complaint received 2019-04-24
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. (IN)

I have contacted Transunion multiple times and they continue to blatantly disregard my rights as a consumer by law. On XX/XX/XXXX, I mailed a dispute to Transunion in regards to an account listed on my credit report as XXXX XXXX XXXX XXXX with an account number of # XXXX. I have no knowledge of this account and I have requested MULTIPLE times from Transunion, to please send me documentation confirming that the account they are reporting under my social security number is accurate and belongs to me, however all I continue to receive are " Updated '' and " We verified this item belongs to you '' automated letters, and I am highly frustrated with this illegal reporting. I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey. I have been disputing this account for many months. I have also disputed this account due to inaccuracies that I have noticed with Transunion and another bureau that this account is being reported to. Again, I have not received any verification of this account and on top of that, XXXX was reporting an open date of XX/XX/XXXX for this account however Transunion was reporting that this account was placed in collection on XX/XX/XXXX. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. If this is the same account, how is the supposed verified information listed on my credit profiles different from one another? This is not possible and because of this inconsistency, please delete the following account from my credit profile immediately as I have REQUESTED MULTIPLE TIMES. I asked that this account be DELETED, not " updated '' or " verified. '' This is a blatant disregard of my rights as a consumer and this is my last step before contacting the XXXX XXXX XXXX, Federal Trade Commission, and my Attorney General. I sent a follow up dispute letter last month in XXXX and received the same response.
Consumer complaint received 2023-02-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (FL)

I recently obtained a copy of my credit report and noticed that you are reporting inaccurate information in the personal information section. To diminish speculation my information is as follows : My only and Legal name is XXXX XXXX XXXX, any other references to names such as the following must be immediately removed from my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX. Also, please be sure that my address is listed correctly. My address should read : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. All other addresses are not accurate. Please remove these inaccurate addresses IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These Personal information you are reporting are clearly inaccurate and I need you to cease reporting and remove such information from my Credit report as soon as possible.
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

XX/XX/XXXX I called TransUnion to report six unauthorized fraudulent hard inquiries accounts that was on my TransUnion credit report after doing so the customer service representative, told me " sorry, but i can't help you out today with your problem '' .The list below is the names and dates and address and contact information of all six fraudulent hard inquiries accounts that shouldn't be on my TransUnion credit report. Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX I would like to update my complaint with my FTC Identity theft report. Because my personal information was leaked in the XXXX data breach.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-09-13
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL (MI)

On XX/XX/2018, I received a letter in the mail from Synchrony Bank, Creditor, XXXX XXXX XXXX, XXXX, FL XXXX. When I opened it up I seen that it was a denial for a Walmart credit card that I never applied for. Wondering if someone had stolen my identity I nervously checked XXXX to see where and when this happened and there was nothing there! The reason for the denial was based on XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX and phone number XXXX. 

The reasons for the denial were : Insufficient Installment Payment History Date of Issuance of applicant 's ssn does not match date of ssn of peers Invalid phone number of applicant Time since most recent revolving account established is too short While looking online on XXXX XXXX I found that this company has been mentioned many times doing things like this to many others and this is where your name came up to file a complaint about this company. I have never filled out an application for a Walmart Credit card and my credit is good. I believe this company to be scamming Americans and wish that you would investigate them. Thank you.
Consumer complaint received 2018-05-02
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP, LLC (GA)

On Monday XX/XX/18 I ( XXXX XXXX ) tried to withdraw {$100.00} from XXXX in XXXX XXXX, Florida and after three attempts from the ATM, it did not disperse and money, but yet showed that the transaction was completed. I went inside the bank to inform the tell, and she said that there was nothing they could do except contact the card company. 
So I called the card company ( Global cash card ) and they said that the only thing I could do was to file a claim, which would take up to three weeks. I explained to XXXX at Global cash company that I was in XXXX XXXX on business and I would only be there for a few days and the {$100.00} was for food, but it did seem to matter. 

XXXX XXXX manager name is XXXX, his ph # XXXX XXXX XXXX Global Cash Card ph. # XXXX XXXX XXXX XXXX
Consumer complaint received 2023-03-17
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 interested in processing disputes for all inaccurate information on my credit report with Transunion. review all the data and remove the information needed to correct my credit report asap.