davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-28
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC (FL)

On XX/XX/XXXX I received notification from Sequim Asset Solutions of a debt supposedly owed to XXXX. I had been a XXXX cable subscriber for 20 years and cancelled the service after changed had been made in my neighborhood and the service continued to freeze and go out. I have XXXX several months to try and fix the problem. They ran new lines, switched equipment, tried many things and each time told me this would fix it. Fox the last month I could not use my services at all and called XXXX and told them so. When I cancelled they want to charge me for the last month of service. I spoke with them and the rep told me that they could see that the cable boxes and internet had not been turned on during that period and they would submit the account for a credit. Then on XX/XX/XXXX I received the collection notice. I contacted Sequim in writing on XX/XX/XXXX ( within the 30 days noted in the letter ) via fax and have the confirmation page, asking them to provide validation of the debt. I never received any communication from them. I then called and was told that I should have not sent the letter in writing but called instead, even though the letter says to submit the dispute in writing. I was then told that it was too late and the debt had already been reported to the collection agencies but a supervisor would call me back. I was in disbelief. I never received any phone calls back. I then sent several more letters via fax requesting validation of the debt as well as removal of the collection from my credit report ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Never received a reply of any type. I am requesting that the collection be removed form my credit reports as I have never received validation fo the debt.
Consumer complaint received 2020-02-09
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL (NC)

I have an account with PayPal, have had for several years, and usually for purchases over {$200.00} they offer a 6 month interest free option. I have several charges with them some that are on longer terms, but one charge that I made was in XX/XX/XXXX for an amount of {$2500.00} on a 6 month interest free plan. They send me a statement every month that shows what my minimum due is to avoid any interest charges, which I have always paid and paid twice as much, so they can apply any excess to the amount mentioned above. This amount now has an expiration of XX/XX/XXXX, and they have not applied a XXXX of my excess payments to this amount. When I call them they say that what they bill me for is the monthly payments that have to be paid first, but then why are they not applying anything to the largest amount, and one that is also on a promotional period? I believe it is a very unfair practice and now I am stuck with having to pay a larger amount at once. It defeats the purpose of having an interest free pay plan. Besides why would they apply the excess payments to amounts that still have 10 more months to go? Is there any help you can provide? Thanks. My name is XXXX XXXX.
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: EQUIFAX, INC. (MS)

I did not consent to, authorize nor benefit from any of the following inquires. Block and remove them. 
XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX .XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

Good day. I am soliciting your help on resolving this very important matter. On XX/XX/2022. I sent out a letter to Trans Union disputing the validity of the bankruptcy they are reporting on my credit report. They replied with a letter stating that they verified this item through XXXX XXXX. I went directly to XXXX XXXX myself to dispute the item in question and as a result XXXX XXXX could not verify this and as a result they removed it from their database. See attached documentation stating this removal. Also, I have attached supporting documentation from the United States bankruptcy court stating that they do not provide information to any credit reporting agencies. 
I went back to Trans Union on XX/XX/2022, with my 2nd dispute letter and showed them the deleted bankruptcy from XXXX XXXX as well as the letter from the bankruptcy court stating that they do not provide information to any credit reporting agencies. I informed them that if they could not reveal how they truly verified this item then it needs to be deleted according to the FCRA. They have once again refused to delete this item which is imploding on my ability to purchase a home as a single parent with XXXX XXXX and causing me to pay XXXX more a year in home rental and missed tax breaks incentives. Removal of this will help assist me in a situation that is much bigger and important then me. Thank you in advance. 
This item with all due respect needs to be deleted from my credit report within the next 30 days would make life better for me.
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. (VA)

In Accordance 15 U.S code 1692 C. Communication in connection with debt collection with the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of any debt. At any unusual time or place known or which should be known to be inconvenient to the consumer. 
XXXX ACC # XXXX XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX ACC # XXXX XXXX  ACC # XXXX
Consumer complaint received 2020-12-19
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: SYNCHRONY FINANCIAL (GA)

I noticed a hard inquiry from Sync/XXXX  on XX/XX/20. On XX/XX/20, I was at XXXX 's and they asked if I wanted a rewards card and I specifically asked if it would run my credit and was told no. I explained that I was in process of trying to buy house and did not want to apply for credit card and they guaranteed me it was only a rewards card for coupons, like XXXX XXXX XXXX. They said the info needed was just to verify my identity. They lied
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: Experian Information Solutions Inc. (GA)

I have a fraudulent account listed on my credit report, called XXXX XXXX, which date was opened on XX/XX/2018. I have disputed this fraudulent account with Experian and they have not removed this account from my credit report and Experian and XXXX is violating the fair credit reporting act by reporting inaccurate information on my credit report. Please remove this fraudulent account immediately and if it is not removed, then I will be filing a lawsuit against Experian and XXXX for not removing this fraudulent item from my credit report. I have attached a police report and affidavit which I already reported to credit bureau already and they have some kind of way verified it accurate and it is not my account. Also, I have attached a copy from the creditor verifying that they have removed this fraudulent item from my credit report. Therefore, I am uploading additional documentation which is related to my dispute.
Consumer complaint received 2020-12-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I recently checked my personal credit report and I noticed an unauthorized inquiry had been made. 
The unauthorized inquiries are listed below, and I have also highlighted them on the enclosed copy of my credit report. 

I am a victim of Identity theft, and I did not make or authorize this inquiry. I am requesting that the inquiry be removed, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Reporting Act, If someone has requested my report illegally, The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from Experian. 


1. Company Name : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 2. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 3. Company Name : XXXX XXXX XXXX XXXXnquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 4. Company Name : XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 5. Company Name : XXXX XXXX XXXX  Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 6. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 7. Company Name : XXXX XXXX XXXX Inquiry Date : XXXX XXXX, XXXX -Unauthorized inquiry by Identity Theft 8. Company Name : XXXX XXXX  Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 9. Company Name : XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 10. Company Name : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft 11. Company Name : XXXX Inquiry Date : XX/XX/XXXX -Unauthorized inquiry by Identity Theft
Consumer complaint received 2020-12-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I opened a fraud case with Bank of america because money was stolen from me. XXXX2020 XXXX was taken XXXX2020 XXXX was taken. XXXX2020 XXXX was taken. I was on hold for hours numerous times. I have talked to many representatives over the phone. I received a letter saying claim was denied because it was my fault money was taken. I didn't take this money outta my account. So I called again and the rep told that the computer automatically sends that letter out. They said that they would reopen my claim. They also told that they didn't know when my money would be put back in my account. This debit card is my unemployment benefits. I received a new card and I am still waiting for my funds to be put back. Now I tried to use my card today at the bank atm and it would not let me take any money out stating technical issues. I called them again. They told me the edd closed my account and I would have contact unemployment. I called edd and they said they didn't close my account. They told me that they would send an email and I should be able to access my funds next week. How can the bank not pay me what was stolen and then close my account with money still in it? Please help. XXXX XXXX. XXXX XXXX
Consumer complaint received 2019-10-10
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Collections-I, LLC (AZ)

HCI Healthcare receivables, trying to collect bill from XXXX  XXXX Medical Center. It is not my bill. Both HCI and XXXX XXXX feel that if they want it to be my bill then it will be. I am not the primary on the insurance. Both HCI and XXXX  XXXX lie about that and feel that if they wish it to be true then it will be. CFPB has done nothing to help. I'm going to try one more time to have CFPB help me before having the new County attorney investigate them.
Consumer complaint received 2020-12-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NY)

I had an issue with XXXX and they issued me several refunds. My bank only partially refunded me the payments that were refunded to me. I opened a case with them, and they did nothing to resolve it even though I spoke to the merchant directly and they provided me with all of the receipts regarding the refunds. 

Instead, the bank closed my account. Then I noticed they reopened my account with no explanation. 

I would like the rest of my refunds.
Consumer complaint received 2020-12-21
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. (NY)

I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT
Consumer complaint received 2020-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA (WA)

If you apply for an Apple MasterCard, you can only use it in the Apple store unless you own an XXXX or an XXXX. That sounds like a store card, not a MasterCard. That does not sound completely lawful to market it that way as a MasterCard. It should be either a store card or a MasterCard.
Consumer complaint received 2016-02-23
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CA)

When GMAC Mortgage went bankrupt our loan was assigned to Ocwen Loan Servicing LLC . Ocwen serviced the loan from XXXX XXXX, XXXX through XXXX XXXX when the loan was assigned to XXXX XXXX XXXX. 

Ocwen Loan Servicing is reporting account number XXXX as a conventional real estate loan with a payment history from XXXX XXXX through XXXX XXXX. Ocwen was not then lender at any point in time. They were the loan servicer for a only 6 months. 
The Office of Personnel Management ( OPM ) had a cyber attack ; I received " cyber security '' that allows me to review information on the credit reporting agencies. 

My wife and I went through Chapter XXXX bankruptcy ; the discharge was in XXXX of XXXX. 

Ocwen is reporting late payments on discharged debt post bankruptcy from XXXX XXXX through XXXX XXXX to XXXX and XXXX. 

Ocwen is reporting late payments prior to when they were the loan servicer to XXXX. Negative payments are reported from XXXX XXXX through XXXX XXXX. GMAC Mortgage was the loan servicer during that time and the loan information already appears on our credit reports.
Consumer complaint received 2020-12-19
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. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX. I XXXX  them and it says it a student loan place. I dont know how that got on my report because I dropped out in high school. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2020-12-19
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX. I XXXX  them and it says it a student loan place. I dont know how that got on my report because I dropped out in high school. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2020-12-19
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. (GA)

I hope your day is going well, but I need your help. I noticed some inaccurate accounts on my credit report. I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? I got this information from theFTC and also spoke with someone with you all who told me to submit my complaint here.This incorrect information on my credit report is causing problems when I try to apply for credit.I reached out to each account on here and just can't get anyone to help me. They keep sending from one person to another. I have been dealing with this for a whole month now and the accounts are XXXX. I XXXX  them and it says it a student loan place. I dont know how that got on my report because I dropped out in high school. I am doing this on my own behalf and really need someone to help me with this.
Consumer complaint received 2018-04-26
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. (NY)

This account still reads as open on my credit report but I have closed it and have paid in full. Unfortunately I had financial hardship which caused this account to go into a negative standings but I have since than paid the outstanding balance off in full.
Consumer complaint received 2020-12-19
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: KBR INC DBA RASH CURTIS & ASSOCIATES (CA)

In late XX/XX/2020 I received an invoice from Rash Curtis and Associates, a collection agency, regarding a past due medical bill in the amount of {$1800.00} dated XX/XX/2020. After receiving this first invoice I immediately contacted the company directly asking more questions and requesting documentation that would verify the vendor, along with the amount due on the bill. The Rash Curtis associate confirmed with me over the phone that I was choosing to dispute this charge and I said yes. He confirmed that verification documents would be requested from the original vendor and sent to me within a couple of weeks through the mail. The associate also mentioned that once verified if paid in full the item would not be reported to the credit bureaus. 

About 45 days passed, which included the on-set of the COVID-19 pandemic with local counties then a full state wide shut down of operations, schools, and businesses. I was directly impacted as a teacher and public employee in the XXXX XXXX. Then I received a second invoice mid XX/XX/2020 from Rash Curtis and Associates still without any verifying documentation that indicated again the amount of {$1800.00} was due. Due to the COVID pandemic I was able to quickly obtain a copy of my credit report and noticed a collection amount added from Rash Curtis and Associates in the same amount due. In a panic, despite a lack of job and financial security I immediately secured the funds to pay the {$1800.00} amount in full. 

I immediately contacted Rash Curtis and Associates to inquire about the missing verification documentation as well as the removal of this item from my credit report and was told after speaking with several parties no, they do not remove or delete reported collections. This is again after initially being told that if paid in full the amount would not be reported to any credit bureaus. This single item has had a significantly adverse effect on my credit history, potentially for years to come.
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 — Account status incorrect
Company: Tower Loan of Mississippi, Inc. (MO)

On or about XX/XX/XXXX, I XXXX XXXX looked at my XXXX XXXX  app credit monitoring and found that Tower Loan is frivolously reporting " inaccurate information '' as derogatory this account is closed and was paid via settlement in civil litigation in XXXX XXXX court their attorneys filed satisfaction of judgement over a year ago case : XXXX and this should have stopped being reported even saying I have a balance due when it's been paid! We will be looking at filing a lawsuit against Tower Loan for this frivolous reporting innacurate info and hurting my credit score. They say it's a charged off account I owe {$290.00} for as seen attached from XXXX XXXX
Consumer complaint received 2020-12-21
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. (NY)

After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me. These account need to be removed from my credit report.