davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-26
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (IL)

Problem : XXXX XXXX sent negative status ( unpaid bill ) to all credit reporting agencies w/ incorrect balance of {$220.00}. My account was paid in full on XX/XX/XXXX ( {$140.00} ). 

History : XX/XX/XXXX : My online account requested security confirmation for access. I could not use my phone on file - since it was inactive. Fraud Protection Rep was unable to send a security text to my valid cell phone. After providing many key personal information rep still refused to give me online access. I refused rep 's final option to send him my photo ID so I closed my account. Rep AGREED - but FAILED to mail my final bill statement to my address ( on file ) - as I requested. 
XX/XX/XXXX XX/XX/XXXX : I made four calls to Customer Service. My account was blocked & I was transferred from one rep to another. After providing many key personal information to a Specialist Rep - the rep again refused to send me my bill to my address ( on file ) per my request. A CS Supervisor finally AGREED to mail me my bill - but in my opinion - was prevented from doing so. 
XX/XX/XXXX fax & mail : I faxed & mailed four complaints to Customer Service & Fraud Protection Depts. 
XXXX mail : I finally received my final bill statement w/ listed total = {$140.00} = all my valid expenses..
Consumer complaint received 2020-02-26
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SYNCHRONY FINANCIAL (IL)

I spoke on XX/XX/2019 to XXXX XXXX about my past due balance to Synchrony Bank. I explained that a recent divorce and medical issues had caused me to get behind but that I did want to get current on my payments. He explained that I could pay a lump sum of {$620.00} and then {$110.00} per month thereafter to bring my account current. I made the payment of {$620.00} just a few days later and a payment of {$110.00} in XXXX. 

I started getting calls again in late XXXX saying my account was past due. I spoke to XXXX XXXX who communicated to me that because I had mentioned that I was considering bankruptcy in the XX/XX/XXXX conversation, that those payments somehow didnt count to bring the account ( there was a language barrier and I didnt understand his reasoning ) current and that I will need to work out a new payment arrangement with him. 

I asked to speak to his manager, and was transferred to XXXX XXXX. She was extremely difficult to deal with in general, but said that the earlier payment arrangement isnt valid anymore and I would need to work out a new one with her since the fees were different now. 

She offered me a new payment arrangement of : XXXX- XXXX XXXX- XXXX May- XXXX XXXX- XXXX XXXX- XXXX XXXX  XXXX  Clearly refusing to honor my earlier agreement from XXXX. She also emphasized that I would need to schedule these payments with her automatically from my checking account and I could not pay by check or use my bank accounts bill pay feature. I was very skeptical to provide my bank account information due to the apparent disorganization on their end providing multiple catch up arrangements and I also prefer to make payments on my paydays rather than having to reserve the amount in my checking for automatic payment. 

The refusal to honor my agreement with the first representative I spoke to now puts me in a bad situation and it will be hard to catch up on this balance. I understand that I have fallen behind and I want to get caught up but its difficult when the Company just changes their mind about your workout arrangement. It just feels like Im being played with and they are taking advantage of me when I am already in a vulnerable situation financially.
Consumer complaint received 2016-05-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management Inc ACCOUNT NUMBERs : XXXX OR XXXX XXXX/XXXX/XXXX FAX # ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify Midland Credit Management Inc or any company associate with this account # XXXX OR XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Midland Credit Management Inc or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Consumer complaint received 2020-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

On XXXX XXXX 2020 I made a payment on our capital credit card in the amount of {$3700.00}, bringing my balance to {$0.00}. When my statement closed on XXXX XXXX 2020 they charged me interest on my {$0.00} balance, that charge was {$72.00}. I found this out when my online statement was sent yesterday XXXX XXXX. They are telling me that because I had a balance at the beginning of the cycle on XXXX XXXX, that is why I got charged interest. Seems very backwards to me because they charged interest at the beginning of XXXX billing period, and now at the beginning XXXX billing period. So it seems they have charged interest on the same amount twice. I got billed interest on XX/XX/XXXX in the amount of {$81.00} and now getting billed interest again on XXXX XXXX for {$72.00}. When we call the company they explain it that interest gets charged at the beginning on the billing cycle regardless of what you do during the month. Which means since I now have a balance again because of this bogus charge, I will have a interest charge on my XXXX billing cycle. Something really seems messed up about this and if this is how they are doing business, it explains why people can never get out of credit card debit. We have requested from them a credit for the {$72.00} and been told no. I have spoke to a customer service rep named XXXX, and a supervisor named XXXX. My wife has also spoke with customer service and supervisors. Calls to customer service have been made on XXXX XXXX and XXXX.
Consumer complaint received 2015-07-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ProCollect, Inc. (TX)

I owe an apartment complex money so i called and thwy gave me the number to pro collect ... who can not fibd anything XXXX my name or ss # ..and there was no account number kisted on my credit report
Consumer complaint received 2022-12-01
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. (CA)

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit reporting agencies are required to remove any item listed on an id theft report. Please find the attached documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX Balance - ; XXXX XXXX XXXX XXXX XXXX XXXX {$10000.00} ; XXXX XXXX  XXXX XXXX {$600.00} ; XXXX XXXX XXXX XXXX {$750.00} ; XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX {$2300.00} ; XXXX, XXXX XXXX XXXX {$0.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX, XXXX XXXX on XX/XX/2021 ; XXXXXXXX XXXX Inquired on XX/XX/2021 ; XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX, 2021 ; XXXX XXXX XXXX XXXX : XXXX. XXXX ; XXXX XXXX XXXX : XXXX. XXXX XXXX  ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Consumer complaint received 2024-04-04
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (TX)

The card is CareCredit and my wife was using this to pay for our dogs vet bills. I suggested I add myself to her account so I can use it if she is unavailable to pay for vet charges. Back in XX/XX/2023 I called them and requested they remove me from this card as my wife 's payments were small but on-time which was resulting in this card impacting my excellent credit score negatively. 

They said they would remove me from the account but every month since then it is still showing up on my credit report and I've called them twice confirming my removal. They said I have been removed but now again this month it is still on my credit report. I want to get them to take me off this card account.
Consumer complaint received 2022-01-25
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. (MA)

I recently pulled my credit report and noticed credit inquiries, and accounts I do not recognize, they are unauthorized and NOT mine. I must have been a victim in a cyber hack or identity theft. These accounts XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, As well as these NON-account holding inquiries with : 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  PART These accounts are NOT MINE. I do not recognize them and did not authorize them. These inquiries are fraudulent. To my knowledge, I have not signed any documents authorizing your organization to view my credit history your inquiry into my credit reports violates the 9FCRA ) sec, 1681b ( c ) : transactions NOT initiated by consumer. Please remove these effective IMMEDIATELY! Thank you in advance!
Consumer complaint received 2021-09-23
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CREDIT ACCEPTANCE CORPORATION (LA)

I file bankruptcy in XXXX # XXXX I had my bankruptcy dismissed. I disputed this bankruptcy with XXXX, XXXX, and XXXX XXXX XXXX. XXXX took it off my credit report by the XXXX of XXXX. I check my credit report again and it's back on my credit report by Credit Acceptance which I paid off through a collection Agency. I am trying to clean my credit to be able to someday purchase a new home or another car. Any assistance from the CFPB is appreciated.
Consumer complaint received 2021-07-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

XXXX and XXXX was fraudulently charged by merchant " B-Fresh '' Charges that I did not make and refuse to pay for fraud activity on my behalf Addressed with creditor Capital One XX/XX/XXXX and temporary credit was provided and new credit card was sent because of fraud XX/XX/XXXX credited charges were reverted and posted back to my account. The same charges that I did not make. The same fraud charges that Capital One refuses to address and credit back to the consumer. 

I will be cancelling my credit card with them ASAP
Consumer complaint received 2021-07-23
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)

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court
Consumer complaint received 2015-12-23
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Prosper Marketplace, Inc. (GA)

I have contacted Prosper on several occasions regarding the amount of time it takes for mailed payments to be posted to my account. 

Because of a recent delay, I encountered fees totaling {$40.00}. After filing a complaint with the XXXX coupled with information from my financial institution XXXX XXXX XXXX, Prosper agreed to remove the fees. 

Unfortunately, I have had a difficult time getting Prosper to follow through with their commitment. I have contacted customer service via phone on several occasions as well as forwarded multiple emails to XXXXXXXXXXXX to no avail. 

Considering interest accrues on my account daily, it is critical that Prosper processes payments promptly as well as address consumer complaints timely.
Consumer complaint received 2022-12-01
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. (CA)

Equifax has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. I am submitting this complaint to you today to request that Equifax provide me copies of documents bearing my signature to verify the status of the disputed account. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. The account below should be corrected XXXX XXXX XXXX XXXXXXXX
Consumer complaint received 2021-09-23
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: Experian Information Solutions Inc. (IL)

On my Experian credit report, I have a paid charge off. The first negative reporting on this debt dates back to XX/XX/XXXX. According to the Fair Credit Reporting Act, negative reportings can only report for a maximum of 7 years. These debts should have been automatically removed XX/XX/XXXX. 

XXXX certified mail, on XX/XX/XXXX, I opened a dispute with Experian to request the removal of this debt. 30 days have passed and there is no response received from Experian.
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: P&B Capital Group, LLC (CA)

I am not sure what happened. I am being charged for some merchandise that I have never received that I have never ordered. I called this company the moment it happened and let them know that it was not me. They should have documentations of that conversation cause I called maybe three times. They stated that it will be taken care of, I would not have to pay because I did not order this merchandise and I did not receive this merchandise now I am seeing this on my credit report
Consumer complaint received 2024-04-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation (FL)

Penn Credit Corporation sent my MINOR daughter a letter in the mail today to our HOME address stating creditor XXXX XXXX Clerk of Courts were requesting a payment for a traffic citation dated XX/XX/year> {$41.00} case # XXXX. I called XXXX, first spoke with a male, then a female then asked for supervisor which after a few minutes a very hostile man names " XXXX '' ( ID # XXXX at extension # XXXX ) apparently claimed that this indeed needed to be paid and they are a third party debt collector. He slipped by stating my daughters name was a DOB of XXXX XXXX which I am not even that old nor my daughter. He was rude, demanding and hostile. I asked to please remove my daughters name and address. I am afraid that her personal information was compromised and that this SCAM could effect her safety. Please help as I called MY tax collection in county and he verified there is nothing associated with my daughters name but to notify officals of scam.
Consumer complaint received 2022-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC (CA)

I entered into a forbearance plan with specialized loan servicing for a home equity line of credit. At the end of that agreement I sold the property and the line of credit was paid off and closed in XXXX of XXXX. Specialized Loan servicing has market a 120 day late on my credit in XXXX of XXXX and in XXXX of XXXX with the home sold and the line of credit closed in XXXX of XXXX it is not possible for me to have late payments on this account in XXXX of XXXX. 

This action is preventing me from refinancing my new home.
Consumer complaint received 2022-01-13
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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

The credit bureaus have constantly disregarded my request for investigating and reinvestigating my disputes. I have noticed multiple discrepancies on my credit report and have made multiple disputes with the bureaus. Which under the FCRA, if the credit bureaus don't investigate a dispute or notify you of the dispute then that is as direct violation. 

Also, it is a violation for the credit bureaus to be report any unverified/unvalidated and inaccurate information on a consumer 's credit report. If the information that is reporting is incorrect, unverifiable, and/or can't be validated with proof then the bureaus have to cist and desist the reporting, and then it has to be immediately deleted/removed.
Consumer complaint received 2022-01-25
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

MIDLAND CREDIT MANAGEMENT XXXX INC. is violating my consumer rights. This company that I never done business with is reporting an alleged debt on my consumer report. This company is reporting false and misleading information on my consumer report and has not sent me any " notice of debt '' pursuant to 15 usc 1692g ( a ). MIDLAND CREDIT MANAGEMENT , INC. has committed an act of aggravated identity theft pursuant to 18 usc 1028A ( a ) ( 1 ) and 18 usc 1028A ( c ) ( 8 ) by obtaining ; and possessing my identifying information without lawful authority. With that being said, attached will be my cease and desist letter I have sent to this company certified mail. I expect all claims to be handle in good faith.
Consumer complaint received 2021-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC (CA)

New Rez XXXX has not paid my property taxes and out of my escrow account and my account is now delinquent. The company has not been helpful in resolving the matter. They continue to give me the runaround, end calls, transfer calls, etc. I have been calling them for two months regarding this issue. I have never, ever dealt with such horrible customer service. Not one time has my call been returned, I have not received one update regarding this issue or any resolution whatsoever.
Consumer complaint received 2022-12-01
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. (GA)

I am a natural person, i am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to finish these accounts. 

Accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-07-29
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. (NC)

I have account in which do not belong on my report every time I report with Equifax they never remove but has been removed from XXXX and XXXX, they keep saying accounts are mine and they are not, for example they were some accounts with XXXX XXXX XXXX ( 40 Equifax continued say they were mine when the social ended XXXX and mine is XXXX and they were never removed took me two months to get resolved and finally got deletion letter from orifinal creditor because Equifax failed to comply and remove and still has not removed. they have verified true fraud of identity theft and have police reports and packet