davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-02-15
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Recovery Services, LLC (VA)

I noticed some inaccuracy on my credit report and disputed the account with the ( creditor ) XXXX XXXX XXXX, Also with the Debt collection agency Recievable Recovery Services. I also informed them that the information was invalid. They also took my information without permission, and made their own decison to report that debt on my credit which i do not owe. They have yet to comply to my requests to remove this inaccurate/invalid information from my report. I am seeking out to you to resolve this issue, and follow through with my request.

According to 15 U.S. Code 1692a - Definitions ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another.

Recievable Recovery Services is a third party debt collector attempting collect an alleged debt.

According to 15 U.S. Code 1692e. False or misleading representations ( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
Consumer complaint received 2020-11-09
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. (MN)

My credit cards has been lost/stolen and all the charges and transactions on the following credit card accounts are fraudulent : XXXX XXXX XXXX  for {$290.00} and XXXX XXXX XXXX  for {$210.00}. The XXXX XXXX XXXX and XXXX XXXX XXXX credit card accounts listed on my Equifax and XXXX  credit report are lost/stolen, and all the transactions on the credit card accounts are fraudulent.
Consumer complaint received 2022-01-09
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL (TX)

i was a victim of identity theft and was currently incarcerated at the time the account was opened i have identity theft affidavit and my ftc report and my jail release form to confirm it so im demanding this item to be removed off my credit report or else i will file a lawsuit because this is complete nonsense.
Consumer complaint received 2022-12-14
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: ENCORE CAPITAL GROUP INC. (MT)

Hello, Midland Credit Management bought my debt from XXXX. I have no contract with them, they can not prove that I owe this debt, after numerous letters asking for proof. They continue to harass and fraudulently claim that I, the Living Woman and Consumer owe them money. I have found many Federal Law violations, 1692 J ( a ) Furnishing certain deceptive forms, unlawful to send and state a false that there is a collection, 15 USC section 6892, 15 USC Code section 1692g V, 15 USC 1692a, 15 USC 1692j ( a ), 1692b ( s ), 1692d ( 2 ) are just a few of the violations I have found. I have also realized that I, the Consumer/Living woman living in the private should not pay for any Goods or Services for household use. All Debts are paid in advance for consumers Title 18 U.S.C. - 8.

I am a Consumer/Living Woman living in the private and I demand to be treated as that.
Consumer complaint received 2023-08-10
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ROBINHOOD MARKETS INC. (NJ)

On XX/XX/XXXX, Robinhood froze access for me to withdraw my funds from the platform. They intially stated they were doing this because the depositing bank that deposited the funds was now different from the bank that is receiving withdrawls. 

They asked for me to send in documentation of every previously linked account, and current linked account, which I did. Since I did this, they have now changed their messaging, saying I may not be able to withdraw my funds at all, and my account is in a remediation process. 

This is an illegal and unjust action by robinhood to withhold my personal funds, which I trusted with the platform. Continuing to hold over {$110000.00} of my hard earned money is casuing me great stress and trouble. I can barely sleep. My life is a nightmare, thanks to what robinhood is doing to a XXXX XXXX XXXXXXXX XXXX 

I repeatedly attempt to contact robinhood every single day, but an automated robotic reply just keeps coming back. They blocked me from phone support and chat support. I dont even have the money for a lawyer.
Consumer complaint received 2022-12-14
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-03-14
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Aldridge Pite, LLP (CA)

The companies are not willing to talk with me regarding their actions to file a notice of Default in a old intrest only home loan in XXXX. They disconnected my call to the company regarding there notices of default. 

XX/XX/XXXX was first letter regarding notice of default on my property. They are saying amount owed is {$180000.00}. that is to be collected.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Total Card, Inc. (NJ)

I never paid my account late yet the credit card company has me down for making my payment late XX/XX/2020. I went online and made my payment and the system gave me a confirmation that the payment was made yet the company is trying to say that the payment didn't post to my account causing a late payment. It is not my fault if their system was having problems that isn't fair to me at all.
Consumer complaint received 2020-11-09
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated (FL)

Since XXXX I have not been able to have access my unemployment benefits for alabama unemployment. I filed my claim in XXXX and have been receiving benefits since XXXX with no problem out of nowhere my card locks and has been suspended according to customer service and I have tried three times to speak with somebody higher than customer service and tier 2 to resolve this issue and unsuspend my benefit card to access my monthly benefits every week I certify my week and it's processed to their card and has been since XXXX when I stopped being able to access it according to customer service I needed to do an identity verification one time out of the three times I've been able to speak with somebody a woman gave me a long fax number I've got two documents or three documents needed which I mailed them because I couldn't figure out how to do the facts so I did the other way she said which was my back and front driver 's license and a copy of my social security card and a tax return prove my social security number they claim they never received it's now been months several months as I still claim my weeks with no way to access my funds and nobody to tell me nothing cuz when I call back now I can't even get anybody to tell me exactly the address or fax number of where to verify that I sent it correctly since they say they never received it please help me to get my benefits back in order and unsuspend my prepaid card account this is ridiculous
Consumer complaint received 2018-04-23
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: ERC (DC)

ERC on behalf of XXXX/XXXX keeps contacting me claiming that I owe XXXX {$440.00}. I stated on numerous occasions that Ive never had XXXX and for them to stop contacting regarding this matter because the bill doesnt belong to me. 

Ive this disputed this matter before.
Consumer complaint received 2020-11-09
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. (TN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.a derogatory mark on my credit report per XXXX  XXXX, Experian Upon further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract for this accused debt at all or signature for this does not validate the debt and anybody can be sent a bill and say its mine. According to the FCRA, XXXX. XXXX  has violated my rights as a consumer and I'm requisitioning legal action to remove this account immediately. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2020-11-09
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. (TN)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.a derogatory mark on my credit report per XXXX  XXXX, XXXX Upon further research, this account was transferred/ sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract for this accused debt at all or signature for this does not validate the debt and anybody can be sent a bill and say its mine. According to the FCRA, XXXX. XXXX  has violated my rights as a consumer and I'm requisitioning legal action to remove this account immediately. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Consumer complaint received 2024-02-28
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. (MS)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2022-03-17
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)

I Contacted The Company XXXX  XXXX Over The Phone About 3 Statement Periods Not Reporting On My Credit Report ... And They Said They Don't Know What's Going On And It's Nothing They Can Do About It.
Consumer complaint received 2019-06-27
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Servis One, Inc., Titusville, PA Branch (WV)

XXXX approved a loan modification and forgave {$140000.00}. 
on a note and issue a XXXX on which I paid taxes on the forgiven debt. Then the loan was sold to XXXX XXXX who subsequently denied that the forgiven portion of the debt existed even though I presented the documents proving the facts. they then altered the recorded documents and proceeded with foreclosure and the property record now say it was sold to a trust for {$220000.00}.
Consumer complaint received 2018-04-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (NJ)

In the course of obtaining a car loan today, XX/XX/XXXX, my credit union tried to run a credit report from Experian. They failed to get one generated because there is a security freeze put in place as far back as XX/XX/XXXX. I tried to call Experian Customer Service at XXXX several times but all I got was an automated voicemail, saying that I should request to have my credit freeze removed in writing with paperwork to prove my identity and address. 

I need Experian to remove the credit freeze. It can do so by calling me at XXXX XXXX XXXX XXXX.
Consumer complaint received 2020-11-08
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. (GA)

I applied for a loan but never took the money. I closed the account the same day i applied. 
The company has listed the account ( about 2 years later ) as delinquent on my credit report. 
I have already disputed the account with CFPB once and they acknowledged the mistake. 
Since then the account was added again to my credit report as open with a delinquent balance. 
Previous compaint number with CFPB XXXX
Consumer complaint received 2020-11-08
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. (CA)

On XX/XX/XXXX, I signed a settlement agreement with XXXX XXXX  to voluntarily vacate a rental property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, by XX/XX/XXXX. The settlement agreement stipulated To the extent permissible by applicable law, XXXX shall remove all negative reporting entries regarding the subject loan number XXXX from Borrowers credit report. 

In XX/XX/XXXX, XXXX reported the following negative information on my Equifax credit file : XXXX XXXX  XXXX XXXX Balance : {$410000.00} Date of Last Payment : XX/XX/XXXX Past Due Amount : {$91000.00} Account Status : 120+ DAYS PAST DUE XXXX XXXX has not only breached the settlement agreement, but have caused compensatory and general damages. I was in the process of refinancing the loan on my principle residence in order to regain financial stability when XXXX XXXX reported foreclosure activity on my credit file. As a result of the negative reporting, I have been denied a refinance because of the foreclosure activity on my credit file and it has greatly impacted my credit score negatively. My credit score has decreased by 79 points because of the foreclosure activity reported on my credit file. 

It was critical for me to refinance my home because I lost income due to COVID. More importantly, it was critical for me to refinance my home in order to continue to support XXXX  XXXX who are in XXXX and dependent upon me for their college tuition and housing. My childrens college tuition and housing was jeopardized when I was denied a refinance. My family and I have been seriously impacted financially because XXXX  actions and breach the settlement agreement. 

I have filed 2 disputes with Equifax with an effort to get the foreclosure activity removed from my credit and XXXX XXXX responded to the dispute by verifying that the current status if being reported correctly. XXXX has verified to Equifax that the prior paying history is being reported correctly. I have also attempted to get this matter resolved by contacting your Loss Mitigation and Customer Resolution Departments and no one can or will assist with resolving this issue. 

Attached to this letter is the settlement agreement and a copy of 2 letters from Equifax with the dispute results. 

Lastly, XXXX XXXX  have failed to remove my name from title of the subject property and have pushed out the sell date to XX/XX/XXXX. This is the second time the sell date has been pushed out. Im inundated with phone calls from mortgage rescue companies inquiring about the subject property, which has caused unnecessary aggravation and stress.
Consumer complaint received 2020-11-10
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. (NV)

My personal information was involved in the XXXX  data breach and ever since I have had multiple accounts and other personal info on my credit reports that don't belong to me and I did not in no way authorize. I have filed a police report and identity theft report. I have disputed it with all three credit bureaus and still the stuff remains like Im liable for it when I did not authorize any of it.
Consumer complaint received 2020-11-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

Hello, I received a letter in the mail that Bank if America is removing Auto Rental Collision Damage Waiver which is a term benefit of being a card holder. I was not provided with an explanation of why this benefit is being removed or what my options are as a card holder. 

I obviously would not want to use a company that does not offer this benefit but I also do not want my credit history being affected should I cancel these cards out and seek a different bank. 

I would like an investigation done and my options provided. Customer service claim that they had no idea that Bank of America was doing this.
Consumer complaint received 2024-03-05
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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
Consumer complaint received 2020-11-08
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. (FL)

XXXX XXXX XXXX is America 's largest sub prime car loan company, who has been challenged in court by the attorney generals office. Per a lawsuit by 34 states including Florida, XXXX was found and has since admitted to wrongful unethical practices that led consumers like me, into loans that were purposely granted for the sole purpose of financial entrapment. thus, leading to early payment defaults. I have been notified by Florida attorney generals office that my loan is subject to receive a deficiency waiver due to their findings in my my case, as well as an additional monetary settlement. I have reached out to XXXX  over 47 times, and to no avail, I have ad few representative that have tried to help me to the best of their ability, but have gotten nowhere. I have reached out to 4 major credit bureaus, I have disputed this particular account numerous time with each CRA, my reasoning was inaccurate information and account was in litigation and was found to be in the favor of the consumer ( myself ). I included copies of both complaint/ judgement and proof of my claim in the settlement. under the settlement XXXX was ordered to do balance waivers to those who had defaulted with in the first 12 months, I first defaulted in XXXX of XXXX, less then 6 months of purchasing the vehicle. XXXX continued their deceit in masking when my original default was by stating it was in XXXX of XXXX, when in fact it was in XXXX of XXXX, and continued to default XXXX times after. there are several in accuracies as I have stated before, the judicial orders aren't being followed and XXXX 's blatant carelessness to follow court orders and FCC regulations is unethical. I have attached all the lawsuit, claimant correspondence forms and CRA documentation and unique claimant form from the Florida Attorney Generals Office as evidence. 


account number XXXX XXXX XXXX XXXX XXXX ssn
Consumer complaint received 2018-01-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: WELLS FARGO & COMPANY (TX)

We made an error paying our Wells Fargo credit card and overpaid them by thousands of dollars. On XX/XX/XXXX, we contacted Wells and explained the issue before the payment processed. We were told our funds would be returned in a few days. About a week later, we called again. The date of refund was changed to 10-11 days. On XX/XX/XXXX, we were told it would be up to 30 days. We decided to close the account that has more than {$8600.00} credit balance in an effort to expedite our refund. A supervisor told my wife they would call us later that day with refund status and we could close the account at that time if we still desired. We still have not heard from Wells Fargo and no one can tell us when we will receive our refund.