davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-02-13
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FRESNO CREDIT BUREAU (CA)

I called in today to the Creditors Bureau USA A Professional Debt Collection Agency located at XXXX XXXX XXXX, XXXX, CA XXXX. They are claiming a balance billing I don't believe I even owe, but it is for {$30.00} so I planned to pay it. When trying to pay with an XXXX debit card they informed me that they charge a {$5.00} processing/convenience fee. Per my understanding this is a violation of the FDCPA. And beyond that is exorbitant given the bill total.
Consumer complaint received 2020-02-13
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. (VA)

The following accounts are showing on one or more of my credit reports and need to be removed due to fraud. I already have the fraud alert on my file, I just want them removed. Please make that happen. I have attached a police report listing all derogatory files and my proof of identity. 

Someone obtained m y social security information along with my date of birth and opened up the following credit cards and financial accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Both accounts ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX for {$120.00} XXXX XXXX for {$730.00} Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC (MN)

I had argued with XXXX XXXX  about the defective security system that they installed and would not let me out of the contract. The system was constantly being tripped by hackers and I received a bill of over {$3000.00} from the City of XXXX XXXX for Security Checks on an alarm system that was reported to the City.
Consumer complaint received 2020-02-13
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. (TX)

I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high-interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX/XXXX. I have contacted the FTC and my local police department.
Consumer complaint received 2020-02-13
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high-interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX/XXXX. I have contacted the FTC and my local police department.
Consumer complaint received 2020-02-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: EdFinancial Services (CA)

-XX/XX/XXXX Daughter begins XXXX University with a {$7000.00} unsubsidized {$5500.00} Subsidized loan -XX/XX/XXXX loan repayment stmt {$5900.00} -XX/XX/XXXX Congrats your unsubsidized loan is paid off -XX/XX/XXXX large payment made towards loan -XX/XX/XXXX large payment made towards loan -XX/XX/XXXX loan repayment stmt {$7500.00} ( showing a current balance {$2600.00} on a loan they said was paid off ) -XX/XX/XXXX loan repayment stmt {$7500.00} ( showing a current balance {$2600.00} on loan they said was paid off. 
-Summer XX/XX/XXXX student makes several phone attempts to resolve issues and is unable to make progress. She drops it. 
-XX/XX/XXXX student makes monthly payment -XX/XX/XXXX student makes monthly payment -XX/XX/XXXX student seeks parental help to figure out loan and gives permission for parent to have full access to loan w Ed Financial.Parent begins process with XXXX and Ed Financial to get tot he bottom of this. Ed 's numbers do not match XXXX so we patch XXXX on phone, its revealed that Ed 's numbers don't match NSLDS, XXXX, or COD. 
XX/XX/XXXX XXXX follows up with Ed tells me its okay to call and now make progress XX/XX/XXXX Parent calls, am given inaccurate numbers again, and am told someone will call back XX/XX/XXXXParent calls and am no longer given authorization to discuss matter so parent has student fax a letter of authorization so parent can handle account mainly because the run around, the delay, the time, makes it virtually impossible for a working woman to have success dealing with matter at hand. 
XX/XX/XXXX Parent has to wait for student to get off work to give another verbal approva for parent to discuss matter but Ed again passes off phone call to say a supervisor will have to handle but due to sups being thinned out there is no one to help. 
XX/XX/XXXX Parent calls early in am to try and reach a sup hoping they are not thinned out in the am. But no, on sups available. My 24 hour auth will run out, just like the faxed letter will take 3-5 business days for them to implement. Just like every phone call the student and parent have made, we continue to be put off, be given incorrect numbers that do not coincide with school, and its impossible to resolve.
Consumer complaint received 2020-02-13
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. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am  writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2020-02-13
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express) (NM)

A caller from XXXX XXXX ( XXXX XXXX ) - she called and stated my social, the debt I owed, and a few other personal things. ( XXXX ( she had previously left a message and accused me of bouncing a check and defrauding a financial institution and ended her message with good luck ). I asked her to send a validation of debt to which she refused and stated the original creditor had to supply that. She then gave me a phone number that was not to the original creditor. When I said I will call them and verify then call back she threatened me saying I am refusing to pay, I will be sued or wages garnished and threatened something about a lien or taking my XXXX  XXXX XXXX and hung up immediately after the statement. Then a gentleman ( XXXX XXXX from the pre-legal with XXXX XXXX XXXX ) from the same company called and left a message stating they have tried every " appreciable '' way to get me to pay ( they have contacted me twice ) and that they have no more time and accused me of defrauding the company. ( XXXX )
Consumer complaint received 2016-02-19
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CMRE Financial Services, Inc. (FL)

CMRE ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX By telephone : XXXX or XXXX By fax : XXXX By email : XXXXXXXXXXXX By mail : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA 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 CMRE or any company associate with this account # 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 : CMRE 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 SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Consumer complaint received 2019-06-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TX)

I have disputed a total of 17 derogatory items that do not belong to me with Experian, XXXX, and XXXX. Several of these accounts are listed multiple times with multiple different spellings. Eleven of the items were removed previously after I disputed them only to be re-added to my credit file with different spellings. The accounts are as follows : 1.  XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX   XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX  XXXX 6.  XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX 8.  XXXX XXXX XXXX. XXXX 10. XXXX 11. XXXX XXXX 12. XXXX 13. XXXX 14. XXXX XXXX 15. XXXX XXXX 16. XXXX XXXX 17.  XXXX  XXXX
Consumer complaint received 2020-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

Portfolio Recovery Associates, LLC has been calling me non everyday for over 3 years. I have told them over and over again that they need to stop calling me. I have called the company personally and asked they remove me from contact list. They call almost 2-3 times in a single day. 

The conversation is no we can not remove you from our call list. We do not have a call list, you can not stop us from calling. 

They also say we are on a recorded line which I tell them that I do not agree to and still they continue to record my voice and call without permission. 

Over the past year I would say I have recived well over 300 phone calls from Portfolio Recovery Services and everytime I tell them to stop calling / remove me from there calling list. 

Portfolio Recovery Associates, LLC Disputes Department XXXX XXXX XXXX. 
XXXX, VA XXXX
Consumer complaint received 2022-02-12
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: Allied Collection Services, Inc. (Nevada) (CA)

Good Afternoon, My Name is XXXX XXXX and Ive been a victim of identity theft. Although I cant discus the case I can say Ive been reporting an account that was open with my information to get a phone line back in XXXX, This individual know my Social security information and ID to open a XXXX account. Ive been trying to dispute it with XXXX for months now and they still have yet to remove it. XXXX removed it when I told them it was identity theft. Its fraud and I would love your help to speak to XXXX XXXX to delete the account which does not belong to me This is a ongoing investigation. And therefore I cant talk much about it a police report was filed and I am working with the XXXX in XXXX right now. And the XXXX XXXX XXXX. I have business cards and also the case number but unfortunately because its a homicide they arent giving police reports. But the case number was provided XXXX. Case number subject to change Because the case is in XXXX XXXX cant give much details
Consumer complaint received 2020-02-13
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: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$300.00}, {$2000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$300.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$2000.00} -This is not my account.
Consumer complaint received 2020-02-13
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc. (LA)

Comenity Bank calls multiple times a day. They have all the correct contact information and have inserted past acquaintances phone number into my account information online. I have removed it from the account profile. They have also been contacting family members multiple times to obtain information they already have.
Consumer complaint received 2022-07-05
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. (FL)

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX # XXXX, XXXX, XXXX, XXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) X1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc. (TX)

After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Professional Debt Mediation Inc. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me. I do not believe this account is valid and correct, the collection has failed to verify the debt within 30 days of requesting more information and I do not believe that the creditor has authorization to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account belongs to me and all information is correct.
Consumer complaint received 2015-12-16
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Firstsource Business Process Services, LLC (CA)

i have been contacted by First Source Advantage for a XXXX CC debt from 10 years ago, the debt has not been on my credit report for years. could be potentially legit debt, I have been cleaning up my credit I 'm unsure what I have paid off in the past. 

I have ask for verification of this debt and even provided an updated address. they have failed to send any information. they called back after a month, i still had n't received any information, they verified the address in their system, which was correct. 
Here it is another month later I Have n't received any documentation and they called again. I told them i have n't received anything from them still and not to call me again.
Consumer complaint received 2020-02-13
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (CA)

My mortgage was sold to XXXX/LoanCare. My hazard insurance provider billed me/them {$1700.00} on XX/XX/XXXX. They paid only {$580.00}. I am now getting insurance cancellation threats from XXXX XXXX XXXX. 

I don't like my loans being sold.We were happy with XXXX. 

What protects people with mortgages from having to deal with companies they did not select?
Consumer complaint received 2020-02-13
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

XXXX bank bailout was suppose to help.borrower instead emc/Chase bank used greed to put me in XXXX XXXX ext maturity XXXX then another hamp XXXX ext me 30yr you can not get two hamp back to back no default involved after pay 22yr on 30yr fixed principal came atop then XXXX modify start over with interest atop again so I will never own home 32yr still.pay interest atop not fair 40yr interest on one loan loan should have based payment on XXXX divide income of XXXX month making XXXX affordable but to get 30yr from me you made my p & i XXXX so greedy investor continue get paid now I die never got my house i paid for since maturity went XXXX to XXXX i need to know if emc told Chase i was not new i was paid in full as far as interest on loan they should have went to next victim i been here 30yr i paid my loan i refuse pay twice don't let endChase steal my home
Consumer complaint received 2020-02-13
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. (TX)

I was recently going to check out a new car at XXXX. After careful consideration I decided to apply for a loan for this car. Moments later I was declined for a lower interest rate and approved for an extremely high-interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items need to be deleted from my credit report XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX. I have contacted the FTC and my local police department.
Consumer complaint received 2020-02-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (OR)

Have been received calls from someone claiming I owe {$260.00} from a uncollected debt with XXXX XXXX. Have not had an account with them for at least 2years. Cleared all debts with them. 
The calls are aggressive wants my credit card number.