davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-08-18
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. (TX)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2018-03-21
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc (RI)

Caller id recovery services XXXX Started about XXXX weeks ago. I have already answered, had the call fail, callback, have them look up my phone number. 
Ask for a supervisor. 
Told them my name, my wifes, and all our cell phones Given them our ssn.. 
They have no debt that we owe, yet they call use practically daily. We have received nothing via mail. They are not at all helpful and most of the time hang up. 

XX/XX/XXXX called, tried to answer press 1, call failure called back explained situation, got hung up on called back a second time spoke with XXXX who was going to forward to supervisor. I asked if they would ever acutally call me, the answer was no XX/XX/XXXX XXXX - called, answered, press 1, call failure call back spoke with lady. Gave my name and number XX/XX/XXXX XXXX - called, i answered. Spoke with gentleman, told him story and that we are not the lady. We have had this number for ten years. 
XX/XX/XXXX XXXX - called, didnt answer XXXX - called, didnt answer XX/XX/XXXX XXXX called, didnt answer XXXX called, didnt answer XX/XX/XXXX XXXX called, didnt answer
Consumer complaint received 2018-03-21
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NJ)

In XXXX, upon checking my credit report, It came to my attention that a XXXX XXXX Credit card was opened fraudulently in my name. I sent debt validation letters to both XXXX and Portfolio Recovery Associates, and for a month it was either XXXX saying they sold the account to Portfolio Recovery and that I should deal with them directly. 

I sent Portfolio my FTC Identity Report along with other supporting documents, and I never heard anything back. XXXX XXXX, tried to sue for another account that was opened fraudulently, so out of fear of being sued and dragged back into a courtroom I took a settlement paying a total of {$510.00} I sent XXXX XXXX a packet of information with supporting documents, and recently XXXX XXXX   sent me a letter in the mail and ruled in my favor that the Account ending in XXXX was opened fraudulently. 

Every time, I asked Portfolio for debt validation they sent me the attached letters. It just states that XXXX sold the account to them and that was enough to establish its validity.
Consumer complaint received 2023-01-23
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX hit California and my son was enrolled in XXXX XXXX XXXX XXXX  and the University shut down and the students were sent home. XXXX XXXX XXXX  took my Son out of the Deferred Status to the Repay Status. So, XX/XX/XXXX we made the payment of XXXX on time. Then in XXXX I paid in advance for XXXX, XXXX, and XXXX of {$200.00} ( when XXXX, 3 months so I overpaid by XXXX ). Still in XXXX the continued to bill me at XXXX, then billed me for XXXX another XXXX. So XX/XX/XXXX I paid the XXXX, Then I paid a payment on XX/XX/XXXX another {$100.00} Still ahead by XXXX, now add XXXX of which was included in my XXXX payment of the {$200.00}, so now I am ahead by {$140.00}. I pay over the phone and choose the advance pay option, but they obviously are not noting the account. So, they keep billing me the XXXX, I don't make another payment until XXXX of {$160.00} because I have paid in advance for XXXX and XXXX, still leaving reserves. The automatically billed me for XXXX and XXXX of which the payments were returned because I did not know they signed me up for automatic payment. Should not matter because I was already paid through XXXX, then in XXXX I paid {$260.00} because they said I owed them the money, but in fact at this point from XX/XX/XXXX to XX/XX/XXXX I paid a total of {$780.00} which is {$96.00} over the payment schedule they gave me of XXXX each month.
Consumer complaint received 2019-02-11
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. (VA)

On XX/XX/XXXX A Townhouse in which I owned was sold through the Deed and Lieu process with XXXX XXXX XXXX. XXXX XXXX documented the sale of the property on 1099-A. The 1099-A is a federal tax document which was submitted to the IRS. 

However, XXXX XXXX continues to report to the 3 credit bureaus that I did not make payments on the aforementioned loan in the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the document submitted to the IRS the property was sold on XX/XX/XXXX, thus legally I was no longer required to make payments on the loan because I no longer owned the property. 


XXXX XXXX continued reporting that I was 120 days late on this loan is incorrect and in violation of federal law. I have emails as well from XXXX XXXX articulating that the Townhouse was sold on XX/XX/XXXX and they were just waiting for the County to process the DEED. However, I as the consumer have nothing to do with the County once XXXX XXXX accepted the money from the investor, I was no longer required to make any payments on the aforementioned loan.
Consumer complaint received 2019-04-08
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (MA)

Would not answer phone would not pick up. Request my pin number 2 times now and they keep assuring they will send it to me. they should not be allowed to stay in busness if they are unwilling to speak to consumers. 

XXXX XXXX XXXX
Consumer complaint received 2019-04-08
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL (NY)

On several ocassions I requested a line of credit increase at least six times over the past twenty three months, However ever times I've been denided .I have another card from Synchrony Bank P.C XXXX and XXXX granted me a 50 % credit line increase in less than six months of opening, However XXXX Store card refuses to grant a line increase..
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LJ Ross Associates (GA)

This company has sent me a letter telling me that it was being returned to them because a bad address. This debt doesnt belong to me they even spelled my name incorrectly. im going to include all the letters they sent or say they tried to send me.
Consumer complaint received 2024-08-26
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated (AL)

On XX/XX/year> in the amount of {$70.00} ( Confirmation Number XXXX ), also {$60.00} ( Conformation Number XXXX ), also {$10.00} ( Confirmation Number XXXX ) were made to XXXX XXXX XXXXXXXX. Totaling {$140.00}! 

I DID NOT AUTHORIZE THOSE PURCHASES!!!! That day, I contacted the ONE phone number associated with the Government issued ( ALABAMA ) Child Support card and attempted to report the incident. At that point, I was unable to speak to a live representative but, I was able to cancel the debit card. Two weeks later, YES - TWO WEEKS LATER, after I obtained a new debit card. I called the one phone associated with the card and, I was able to speak to an individual about the fraudulent purchases. 

Later, they denied my claim and advised that no error occurred with the purchase! There has to be a better way in dealing with this bank. Also, I contacted the bank on the back of the card, " XXXX XXXX  '' and they advised that they are NOT affiliated with the debit card!
Consumer complaint received 2019-02-12
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC (NC)

I seen this company on my credit report Acima and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Consumer complaint received 2024-05-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (IL)

RE : XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section for I am no longer RETIRED Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( XXXX ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-12
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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I seen this company on my credit report XXXX XXXX and I've asked several times for verification and validation of the debt and haven't received anything. I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay them
Consumer complaint received 2019-02-12
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (OH)

On XX/XX/XXXX, we received notification from XXXX  XXXX XXXX  that our mortgage servicing was transitioning to Select Portfolio Servicing effective XX/XX/XXXX. On XX/XX/XXXX, once we verified the mortgage service moved, we paid our mortgage in the amount of {$1600.00} which they deposited on XX/XX/XXXX. We have paid our mortgage on XX/XX/XXXX and you deposited it on XX/XX/XXXX in the amount of {$1500.00} and on XX/XX/XXXX we paid {$1600.00} and on XX/XX/XXXX we paid {$1700.00} and our mortgage remains current and paid according to the invoices they send out on a monthly basis. 

On XX/XX/XXXX, SPS transferred {$1900.00} to XXXX XXXX for our homeowners insurance that they labeled as hazard insurance In XXXX, we moved our servicing of our homeowners insurance to XXXX XXXX and informed XXXX  XXXX that we would be paying directly to XXXX XXXX to earn discounts as we arranged all our insurance needs under one umbrella. XXXX XXXX is our insurer today. The payment SPS sent on XX/XX/XXXX from our escrow was made in error, we pay XXXX XXXX directly. Our XXXX  XXXX  agent confirmed that on XX/XX/XXXX they returned the funds to SPS Select Portfolio Servicing. Those funds were returned to SPS in XXXX and they withheld the funds from our account for 3 months. 

On XX/XX/XXXX, SPS sent a refund check in the amount of {$1300.00} which is {$620.00} short of the overpayment. We have served SPS with 2 notices of error regarding this matter. SPS fraudulently took money from us that was an overpayment of our Homeowners Insurance when we owed nothing to them as our mortgage and escrow accounts were 100 % current based on their billing. We believe that SPS took {$620.00} in funds, without explanation, to insert into an Escrow account and boost the value of the account ahead of schedule and we believe this a breach of contract on our mortgage.
Consumer complaint received 2019-02-12
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (FL)

I am writing to dispute the account listed on my credit report as XXXX XXXX XXXX. I have disputed this account information as inaccurate with you, and you have come back to me and stated you were able to verify this debt. How is it possible that Equifax can claim to verify this alleged debt when the Collection Agency itself obviously can not. 

Under the laws of the FDCPA, on XX/XX/XXXX I contacted the collection agency directly myself and they did not even reply to my inquiry. I have been unable to receive any communication from them to verify that this is indeed my debt. 

On XXXX XXXX XXXX I filed a Consumer Protection case with the CFPB disputing the erroneous file on my credit with XXXX XXXX XXXX. XXXX XXXX XXXX  again did not even respond to the CFPB claim. Claim # XXXX I enclose copies of my requests to the collection agency, asking them to validate these alleged debts, and the receipts showing that I sent these letters certified signature request. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency. 

The FCRA requires you to verify the validity of the item within 30 days. It has now been approximately 4 months since my first inquiry, with no validation/proof that this debt is mine from either the Collection Agency or the Credit Bureau. There is a clear case of unverified debt here, and I urge you to remove this item quickly before I am forced to take legal action.

If you continue to list the disputed item on my credit report I will find it necessary to sue Equifax for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Sincerely
Consumer complaint received 2022-08-18
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. (TX)

I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Consumer complaint received 2023-08-10
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. (MO)

Unauthorized application submitted to XXXX XXXX ( XXXX ) XXXX. Company was contacted and the fraudulent application was canceled. Despite confirmation that the application was the result of identity theft, XXXX XXXX and Equifax have declined multiple dispute requests and will not remove the inquiry from consumer 's credit file. FTC theft report has been filed and is attached. Notation of the inaccurate information reported by XXXX and Equifax is in the Statement section of the affidavit.
Consumer complaint received 2019-02-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pendrick Capital Partners Holding, LLC (OH)

This account {$340.00} for XXXX XXXX for XXXX XXXX XXXX XXXX showed up on 2 of my credit reports XXXX and XXXX. It was from 2012 apparently and supposed medical bill. This collection account was purchased from Pendrick Capital Partners LLC and then sent to XXXX XXXX. I disputed said account as it only had my name and nothing else. I made calls for about 2 weeks and unable to actually verify debt. When disputing with credit bureaus XXXX advised debt is verified but there is no social security number, address has never been mine or the phone number listed. When you see my address on letters from XXXX is because they got it when I disputer with credit bureaus. When I sent in verification of debt with XXXX they only provided what was sent to them from Pendrick Capital. I have never once received an actual statement or bill regarding this and refuse to pay it. I think it is a shady tactic for collection agencies to throw these accounts on credit reports when debts are 7 years old to try and force someone to pay something that cant be verified other than a name. I have spoke to Pendrick Capital as well and they cant even verify anything outside of my name.
Consumer complaint received 2019-02-12
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (TX)

On XX/XX/XXXX I was taken by ambulance to XXXX Hospital at XXXX XXXX in XXXX, Texas. While I was in the hospital ( note, I'm a XXXX veteran awaiting a XXXX XXXX and not in good health and all ) I believe my home health aide robbed my apartment in XXXX of laptop, card, cellphone and other items and used my card for about {$1600.00} in charges over the next few weeks. I was released in XX/XX/XXXX and immediately contacted XXXX XXXX NetSpend to file a dispute and freeze the card. My medical power of attorney, XXXX XXXX, at my request, contacted NetSpend to freeze the card in XX/XX/XXXX, they brushed him off and hung up on him. NetSpend, rather than really investigating the claim and following the EFTA and other federal laws, brushed off the dispute and just closed my account on the 10th business day when required to credit my account. By unilaterally deciding to close my account, after the cut off date for social security, it caused my VA/SSI benefits to be delayed almost 2 weeks. They gave a boiler plate resolution and justification for the dispute and have not allowed me any appeal or dispute of their " investigation ''. Documentation was submitted and overlooked. How was I responsible for fraudulent charges made in XXXX while I was in hospital in XXXX intubated. They said charges were consistent ... Four charges of almost the same amount at XXXX in 10 minutes ( {$100.00} )???? Balance inquiry which I never do cause of the app. They stole my laptop and phone. All personal information. Including my PIN. Further, they used the card to rent bikes by XXXX XXXX XXXX ... .I 'm a XXXX XXXX candidate using a XXXX and on XXXX  ... .how am I renting bikes in XXXX and XXXX while I am  laying in a hospital in XXXX. I wish I could ride a bike again. But, with all this obvious, prima facie evidence and documentation, NetSpend refused to honor the dispute and federal regulations and have by their unappealable actions have blamed the victim and then victimized the victim even more. Under the CPA and EFTA, I'm supposed to be protected from fraudulent charges. Yet NetSpend has allowed someone to take my federal benefits and just says oh well. I mean, they used the card for XXXX  and XXXX XXXX, both of which I already had an account. Why would I get secondary XXXX accounts???? Also please note. I have a notorized affidavit I sent NetSpend but can't upload it as it's over 10mb
Consumer complaint received 2023-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

THIS ACCOUNT GIVING ME XXXX  I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE.