davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-04-27
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Express Recovery Services, Inc. (UT)

Somehow I owed approximately {$94.00} to an old electric company. I have not been with the company for almost 3 years and was not notified of the amount still owed. 

I had payment arrangements with Express Recovery Services and stopped paying them regularly when they notified me of the additional charge from the XXXX XXXX power company. On XX/XX/2019 I contacted them concerning my bill and the extra charge and requested on two separate occasions that I be sent a statement on this bill and where it came from and for when the charges had occurred. I did not receive any imformation. 

On XX/XX/XXXX I received a bill for the above mentioned electric bill AND for another charge for XXXX XXXX XXXX for which I have no records of even having a bill with them. I still have not received the statements for the power bill. 

Prior to the incident in XXXX I had been paying on a medical bill from the XXXX XXXX XXXX Hospital that I was not able to pay prior. However, once I began receiving these additional bills I stopped the auto-payments and have not made additional payments to the account as I am still waiting for a detailed payment statement to arrive. All I receive in writing from them concerning the amounts that I owe are the companies they are claiming they bought my debt from and the amount and interest. There is no further information to protect me so that I know these payments are legitimate. No account numbers, no dates, nothing. I am also not getting accurate information from the individuals I am speaking with on the phone and they are clearly not taking accurate notes and not sending me the proper information. 

Today I received a threatening letter from the XXXX XXXX of XXXX XXXX XXXX stating if this was not disputed and paid they would send this to have a judgement placed. 

The ONLY written correspondence that I have received from the company are the attached documents. None of which answer my questions as to what I owe and why. The employees I spoke to we're XXXX and XXXX both of which informed me that sending documentation wouldn't be a problem. As you can see from the uploaded documents the statements do not provide enough information for me to know where these bills came from.
Consumer complaint received 2019-01-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc. (FL)

This past summer I was approved based upon my credit application and report for two XXXX XXXX Credit Cards. Then suddenly about a week after they closed my account. This institution has given its CSR to close an already established account ( based solely upon my credit history, scores, and other factors ). One of the last conversations I had with them a CSR had trouble pronouncing my name and later in the conversation after discussion of my faith based beliefs the accounts were closed. Me along with over 500 customers were approved for credit to later have their accounts closed for frivolous reasons. For me it was because of too many inquiries and for others the closer of newly opened accounts runs rather quickly and I believe the bank is allowing its credit card representatives to close accounts newly opened. And so XXXX XXXX  continues this distrustful practice of opening accounts and because a person has a different belief close the account and send out a bogus letter of why.
Consumer complaint received 2022-05-13
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc. (TX)

On XX/XX/2022 ( regular US mail ) and XX/XX/2022 ( certified mail with return receipt ), I sent a letter to Synerprise Consulting Services requesting that it provide documented proof of the alleged medical debt of {$370.00}, including specifically the alleged contract or other instrument bearing my signature. I also asked proof of its authority in this matter. Synerprise has chosen to ignore my correspondence and has provided no direct response or any documentation. I additionally sent certified letters to XXXX and XXXX on XX/XX/2022 and XX/XX/2022 after each claimed in response to my online disputes that the medical debt had been investigated and " verified ''. I requested that they : ( 1 ) provide the name and business address of any individual they verified with so that I could attempt to follow up with that party directly in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D ; ( 2 ) that under FDCPA and HIPAA I was requesting a breakdown of fees including any collection costs and medical charges, a copy of my signature with the provider of service to release my medical information, and to further cease any credit bureau reporting until debt has been validated by me. 
Each and every time I continue to get the same generic response that the medical debt has been investigated and verified. I am attempting to resolve the matter, but continue to be given the runaround by Synerprise, XXXX, and, XXXX. If I indeed owe, they should easily be able to provide me with actual documentation.
Consumer complaint received 2020-12-20
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Santander Consumer USA Holdings Inc. (NE)

I have been receiving calls on a daily/multiple times a day basis since XX/XX/XXXX. The number that's calling me is XXXX. 
Call log - all times are central XX/XX/XXXX, XXXX XXXX  XX/XX/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 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 The calls are recorded, and in Spanish. The only way I found out the nature of the calls was a reverse lookup using an internet search.
Consumer complaint received 2019-04-27
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. (MO)

In past times my identity has been compromised and that lead to unauthorized accounts on my credit report. Also I'm a XXXX ( XXXX ) and sometimes that crosses accounts that usually not mines. The two ( 2 ) accounts inwhich I'm disputing are, ( 1 )  XXXX XXXX {$3200.00}, and ( 2 ) XXXX XXXX {$1700.00}. These accounts are not mines and I'm demanding that the three ( 3 ) major reporting agencies block them immediately, or provide me with certified physical documentation that validates their reporting. Please block accounts from my data file.
Consumer complaint received 2020-12-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ)

My account was paid in full as of XX/XX/2015 to XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from XXXX XXXX XXXX that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every way.
Consumer complaint received 2019-04-25
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC. (OR)

Midland Credit Management is a scam company that tries to collect debt that is way past the statute of limitations. I owe them nothing, I owe the company they bought the debt from nothing, and they state as much in their postal correspondence to me. They actually write on there " This debt is past the statute, we will not sue you, paying this debt won't go on your credit report '' NONE of this is on my credit report anyway, but even if it were, I'm not paying these guys on a ten year old debt. 

They somehow got my phone number, I'd really like to know how, and call me every morning. I answer and they hang up. If I don't answer they don't leave a message. I called them back on a different number and told them not to call me number. They agreed, on XX/XX/XXXX that they would add my number to the " don't call '' list. Today, XX/XX/XXXX, they called again, and hung up when I answered. So I called them back and AGAIN told them not to call me. They wanted the last four of my social for " verification '' AFTER they already told me what my name was. I said " no, I'm not giving you anything, stop calling me, stop calling my number. '' These guys are criminals, they are everything that's wrong with collection practices, and this constitutes harassment.
Consumer complaint received 2022-10-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BMO Bank, N.A. (IL)

On XX/XX/2022 I called the bank because there were two XXXX  transactions sent from my account to a previous account co signer who was supposed to be removed in XX/XX/2022. I called the bank regarding this error and to my surprise they didn't resolve my issue, stating it was a joint account. The person was supposed to be removed and no longer have access to the account. I have filed several disputes because of this person and was told they would no longer have access. I was not told by the representative at the time that at new account needed to be made in order for this person to no longer have access. The bank no longer wanted to assist me. There were two transactions total in the amount of {$300.00} and {$500.00} to XXXX XXXX. I asked to speak with a higher up regarding this matter because I was not informed and was told to walk into a branch to handle this matter. The error was on the customer service representative that I spoke with at the time. I have attached service dispute letters from previous transactions that was credited to my account due to this person using my information. And even then no one advised a new account.
Consumer complaint received 2022-05-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have all 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 an account without my written instructions.
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (LA)

In accordance with the Fair Credit Reporting Act, XXXX XXXX # XXXX XXXX XXXX XXXX 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 XXXXXXXX have all 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 an account without my written instructions.
Consumer complaint received 2020-12-20
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. (AZ)

My account was paid in full as of XX/XX/2015 to XXXX XXXX XXXX XXXX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX reported to the credit agencies that the loan was a " Charge Off '' not paid. I have attached a letter from XXXX XXXX XXXX that the loan is indeed " NOT '' a charge off, but paid in full. I have submitted this letter to the credit reporting agencies and they have not repaired or corrected my credit report. I have submitted several disputes to the credit reporting agencies and even attached this letter and they still have not taken off the " Charge Offs ''. This is hurting me and my credit in every way.
Consumer complaint received 2019-06-28
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc. (FL)

DIVERSIFIED ATTETION TO DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DIVERSIFIED XXXX DIVERSIFIED XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2022-10-19
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. (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. 

XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX. XXXX + XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Inquirv : XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Inquirv : XXXX XXXX. XXXX + XXXX XXXX XXXX XXXX XXXXnquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX Inquirv : XXXX. XXXX. XXXX + XXXX XXXX XXXX XXXX Inauiry : XXXX. XXXX XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Consumer complaint received 2022-05-13
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: EQUIFAX, INC. (CA)

In accordance with the Fair Credit Reporting act XXXX Account # 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 2019-04-27
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (MD)

I am writing to dispute the charge off in the amount of {$360.00} of Walmart account # XXXX. It shows a last payment on XX/XX/XXXX in the amount of {$35.00} dollars. This is inaccurate. I have copies of my credit report ( attached with this letter ) from XXXX and all three bureaus show reported payments received from XX/XX/XXXX up until XX/XX/XXXX. The payments listed on the credit report come to a total of {$380.00} ; however, there is an in-store payment that is not showing on the reports, that shows as not reported by you, that is around {$260.00} which means that you have received a total of {$640.00} ; {$270.00} more than the amount shown as charged off.Further, the account was sold to XXXX XXXX XXXX ( account # XXXX ), who is seeking to collect on the account as well. 
Payments were made through the online payment system. Prior to making payments, I spoke with a customer service representative to explain my financial hardship and my plan to resume payments along with the amounts that I was able to pay in XX/XX/XXXX. The customer service agent assured me that payments would be accepted and that my account would remain open so long as I remain current with my payments. I was never notified that my account would be and had been charged off during that time. 
I resumed payments after my hardship, using the online payment system, in the amount of {$35.00} dollars each month starting XX/XX/XXXX and noticed that the balance would never change ; however, I was too busy to follow-up. I also noticed that I no longer had an available balance on the card. In XX/XX/XXXX, I went into a store to make a payment on my card in the estimated amount of {$260.00}. The store accepted my payment and I assumed it was applied to my balance. I made a final payment in the amount of {$35.00} in XX/XX/XXXX assuming surely this should settle my balance, but your records never reflected as such. If my account was charged off, all payments made should have been directed towards the balance. 
I also noticed there is a change in the original balance shown for the original charge off. My credit report from XXXX shows an original charge off in the amount of {$150.00} ; however, my XXXX report shows an original charge off in the amount of {$360.00}.
Consumer complaint received 2022-05-13
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: Fidelity National Information Services, Inc. (FNIS) (FL)

XXXX XXXX XXXX - false information fraudulent account. 
XXXX - false information fraudulent account. 
XXXX- false information fraudulent account.
Consumer complaint received 2020-12-20
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: Experian Information Solutions Inc. (IL)

Recently I sent letters questioning the inaccuracies reported on my report by these 2 bureaus. These letters were sent over 45-60 days and I have yet to hear anything regarding what they have found. Its really upsetting because this is the SECOND time this year I've had to come to you guys because they have NOT been honest, accurate, or on time ever! Through this stressful long hard year in 2020 I have no other options I just want these inaccuracies removed so that I can move on to accomplish and succeed and not be looked down upon by these inaccuracies on my report. The rules are the rules and we can not continue to let them hold people back from the mistakes these credit agencies make. Please hear me out and act accordingly as since the 60 days has past and no response, these inaccuracies should be removed now!
Consumer complaint received 2019-10-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK (NJ)

XXXX XXXX is reporting late charges on accounts that are closed and r paid. XXXX XXXX XXXX XXXX I paid them off half deal they made with me XXXX XXXX 6 years old account that is closed saying Iam late the XXXX  office has been giving me problems since I started fixing my credit. They dont like people on disibility its not my problem but discrimination is!!!
Consumer complaint received 2024-03-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (IL)

I've reached out multiple times to get have my address corrected, I've sent over the documents requested for proof of address and its still showing addresses that doesn't have anything to do with me. 


I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719 I May Presume that no proof of the alleged address, Debt, nor therefore any such address or debt in fact exists.
Consumer complaint received 2019-04-27
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. (GA)

My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and verified. The accounts were not reported correctly and I would like it fixed! Please CFPB step up and correct the status because I was never late on my accounts. 

XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ;