davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-14
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. (GA)

I have been a victim of identity theft and it seems that this will be a never ending miserable issue for me. The credit cards with XXXX  XXXX XXXX were opened fraudulently not by me. I disputed these accounts with the original creditor and all thee bureaus and the accounts were deleted from my credit file. I submitted a police report for these fraudulent accounts as well. Now, these accounts are in collections and reporting on my credit files again with a different creditor, XXXX XXXX XXXX. This is not only frustrating but it is also causing a negative impact to my credit file for an account I never had!
Consumer complaint received 2019-02-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (IN)

My wife received a call from someone who said they represented CITI Bank. They started saying we owed money, which we do not. They threatened her and that they would call her work. We have already been through this last year before with another bogus outfit and filed a complaint on them, which is listed. We have proof this debt was paid. 

This company is called XXXX XXXX ( what a joke! ) and their number is ( XXXX ) XXXX. 

Thanks, XXXX XXXX XXXX
Consumer complaint received 2019-02-14
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. (IL)

My credit report has been mixed up with my XXXX and no matter how many times I call to get it fixed or send in a dispute, they havent been able to fix it. Both XXXX and transunion havent been able to do anything. Transunion theres still has inquiries that aren't mine, and a reported closed account, not mine either. XXXX has a account thats not mine on their report and another closed account.
Consumer complaint received 2019-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC (WA)

I XXXX XXXX am disputing a XXXX XXXX XXXX debt of {$440.00} from resident XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. This dispute has dropped my credit score by 26 points. I have contacted XXXX  and XXXX  credit bureaus to have them add a fraud alert and credit freezes on both until I can find out what has happened or is happening. As of XX/XX/2019, I have an XXXX  score of XXXX, XXXX score of XXXX, but an XXXX  score of XXXX which is down 25 points which is absurd. XXXX  and XXXX  told me that although I have a freeze on my account, that wont stop the problem of XXXX XXXX XXXX ( ERC, a debt collection company ) from placing this back on my credit. 
Either a new tenant used my cable fraudulently or I was taken advantage of because XXXX XXXX knew that I would not see any payment notices because of me moving. I notified XXXX XXXX XXXX ( ERC ) that this is not my doing and this account is fraudulent. I was told by ERC customer service agent who took my call and gave me a reference # XXXX that XXXX XXXX stated that the customer moved out of town. I had a forwarding address for XXXX  State and never received a final bill notice of {$440.00}. Therefore, I think I was taken advantage of or either this is fraudulent. 

I am currently reaching out to The Attorney General of XXXX, The Federal Trade Commission, The Federal Communication Commission ( FCC ), The Consumer Financial Protection Bureau, and The Consumer Fraud Bureau of the Attorney General of XXXX XXXX  ( Which is XXXX XXXX Headquarters ) to resolve this debt benefit and negligence of XXXX XXXX, an investigation of this dispute from ERC, and to avoid any future credit score drops.
Consumer complaint received 2017-11-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC. (NY)

Equifax have consistently refused to remove unsolicited inquiries from XXXX credit from my profile.I have sent documents to them twice and reported this to CFPB twice. I did not solicit or receive any credit from XXXX. The XXXX inquires from XXXX should be deleted.
Consumer complaint received 2019-02-14
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. (NV)

I have paid off several accounts and the credit reporting agencies TransUnion and XXXX  will not update or remove the derogatory information. The accounts XXXX  and XXXX  XXXX are both paid in full. Both agencies have been notified of the pay off and continue to report as negative. I've asked for several investigations and offered to provide proof of paying it off and they still report derogatory information saying they have verified it. But I have proof of payoff. Both accounts show pay off to XXXX XXXX and XXXX that's my bank account XXXX XXXX statement so you can see both accounts are paid off.
Consumer complaint received 2019-02-14
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Management Corporation (SC)

In XX/XX/2018 I had a medical procedure done at XXXX XXXX Hospital. The original bill of the hospital was {$20000.00}, the plan paid {$9300.00} and I had to pay {$3900.00}. Funny, the bill was itemized and I was charged for services I did not receive, they said they were available to me? One of the services was Physician {$15000.00}. My plan paid {$7300.00} and I paid {$3100.00}. A month later I received another invoice for the same procedure from the physician Dr. XXXX XXXX from XXXX XXXX XXXX in XXXX, SC in the amount of {$1100.00}, plan paid {$68.00} and they said I owed {$29.00}. I contacted the office and explain this was a double bill for the same procedure. The bill was turned over to Receivable Management Corporation on XXXX XXXX XXXX, SC. They used the strong armed tactic threatening my credit even after I explained this is a double bill. Then Receivable Management Corporation put this {$29.00} against my credit report. With the XXXX Credit I filled a dispute because this is a double bill for the same procedure. All they did was verify that the dispute was in my name, not whether it was a valid dispute. Everyone is saying the physician can charge you whatever they want to and the insurance does not question, they just pay. The final part to this story is Dr. XXXX XXXX tried to XXXX me. Because of his incompetence I had to be hospitalized for 4 days in XXXX with XXXX XXXX XXXX because he refused to treat me correctly for my symptoms.
Consumer complaint received 2019-02-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capital Accounts, LLC (FL)

I sent them letters because they are reporting it to the bureaus, but they not sending any valid proof or permissible purpose of any debt i owe them. 

They did not send me any contract where I signed to pay them anything. 

I have contacted the credit bureaus multiple times disputing it, but they also have no proof yet still keep it damaging my credit and defaming my character.
Consumer complaint received 2019-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

Hi there, I hope you are having a wonderful XXXX XXXX! 

Having an issue with 1 Collection appearing on my credit reports. This was a report ran by XXXX, where it shows back in XXXX of 2017 an attempt to collect a debt was sent by XXXX over to a debt collection agency called Diversified Consultant. I have gotten to the bottom of this and have since settled the debt in full. The two companies said they can not take it off my credit report, so a friend of mine recommended I reach out to CFPB for help. I believe this old collection is hurting my credit score, and was hoping for some help getting this taken off so that my scores can increase. This debt happened in a time when I did not have a job, but that is no longer the case, I now have a stable job and a stable income. Would it be possible to help get this taken away? 

Collection Details : Account Name : Diversified Consultants Original Creditor : XXXX Open Date : XX/XX/2017 Further Details : I settled this debt in 2017, by making one payment in XX/XX/2017 of {$360.00}, and made the second and final payment in XX/XX/2017, of {$360.00}. After I made the final payment Diversified Consultants said they reported to the credit bureaus as payment settled in full.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AES/PHEAA (NJ)

XXXX XXXX has updated my credit report to 150 days late from 120 and this is 4 years old. I was having financial difficulty 4 years back and i was 120 days late not in XX/XX/2019 XXXX switch it from 120 to 150 causing my credit score to drop 89 points. The account has been in good standing for over 3 years, This was a spiteful maneuver for a reason unknown to me. I called and asked them to change it back to 120 but they refused even though its from 4 years ago.
Consumer complaint received 2019-02-14
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: Bread Financial Holdings, Inc. (FL)

on XX/XX/XXXX there was an unauthorized charge of {$320.00} to XXXX XXXX on XX/XX/XXXX I notice the fraudulent charge and filled a complaint with the credit card on XX/XX/XXXX credit card said : can find no basis to support the claim and charge the unauthorized charge to me I asked for the facts or basis but, they no answered After called them several times They still refuse resolve this claim
Consumer complaint received 2019-02-14
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. (OH)

I was going over my credit file when I saw accounts and utilities that I have never opened. I found collections accounts from companies that I have never done business with. I have moved back from XXXX to XXXX a few times in the past 4 years. I am here in XXXX now. I do not know who has used my identity. I do not recognize the following accounts : 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****. who ever it is I believe they are still using my name and my name is even misspelled XXXX XXXX XXXX my correct spelling is XXXX XXXX. I have filed a report to the FTC as well as XXXX Police Dept.
Consumer complaint received 2019-02-14
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. (NV)

I have paid off several accounts and the credit reporting agencies XXXX and Equifax will not update or remove the derogatory information. The accounts XXXX and XXXX XXXX are both paid in full. Both agencies have been notified of the pay off and continue to report as negative. I've asked for several investigations and offered to provide proof of paying it off and they still report derogatory information saying they have verified it. But I have proof of payoff. Both accounts show pay off to XXXX XXXX and XXXX that's my bank account XXXX XXXX statement so you can see both accounts are paid off.
Consumer complaint received 2019-02-14
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. (OH)

I was going over my credit file when I saw accounts and utilities that I have never opened. I found collections accounts from companies that I have never done business with. I have moved back from XXXX XXXX XXXX a few times in the past 4 years. I am here in XXXX now. I do not know who has used my identity. I do not recognize the following accounts : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX. who ever it is I believe they are still using my name and my name is even misspelled XXXX XXXX XXXX my correct spelling is XXXX XXXX. I have filed a report to the FTC as well as XXXX XXXX XXXX.
Consumer complaint received 2019-02-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (FL)

In XX/XX/2007, I moved to XXXX XXXX XXXX XXXX, a brand new apartment complex in XXXX XXXX, FL. I signed a lease for a year. My rent for my 1 bedroom was well over {$1000.00}. I think it was $ 120- {$1300.00} a month. Im a complete germophobe, which is why Im willing to pay over {$1000.00} a month for a 1 bedroomfor a new apartment. When I moved in, there were dirt marks and other unknown stains in the tub, on the toilet, and in the refrigerator. I complained about it to the leasing office, and the told me I could move apartments but Id have to pay a moving fee. I didnt think this was fair, so I moved out of the apartments within the same month, but I was hit with a {$4000.00} fee. 

Currently, National Credit Systems, a collection agency, in XXXX, GA has my account. Ive tried contacting them, but they refuse to answer simple questions. I called last week to resolve the debt and a XXXX XXXX answered the phone. She wouldnt let me get out a single word. She wanted to do all the talking. When I was able to utter a word, she hung up on me. 

What Id like to see happen is this debt fall off of my credit report or go to another agency because the current agency is unethical and volatile.
Consumer complaint received 2019-02-14
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Illinois Collection Service, Inc. (IL)

They constantly calling looking for our son claiming they need to contact him about a debt he owes regarding medical care. They used other peoples names ( spoofing ) on the caller Id to avoid us from finding out who is calling, but the phone number is always the same. They call at least once a week and have been doing so for over the last year and they never identify themselves on the phone. They ask that you return the call to the number that they are calling from but the caller ID shows an individual 's name. We know our son owes no medical bills because we paid them all. We have never received any written notice about a bill owed.
Consumer complaint received 2019-02-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (TN)

I contacted XXXX/XXXX, for a replacement credit card. Instead of issuing a replacement card, they ran a credit check without my permission and issued a new card thus reducing my credit score and ability to get credit at a lower rate. 

I have contacted all three credit agencies as well as XXXX/XXXX   and all involved gave me the run around several times, saying that they could do nothing and only the other company could fix it, while none of them did anything!
Consumer complaint received 2018-08-28
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. (VA)

Since XX/XX/XXXX, I have been trying to clean up my report of duplicate student loan reporting. XXXX continues to report unverifiable student loans ; fraudulent accounts, and RE-aged debt by debt collectors. The student loans that were or should have been in FORBEARANCE during school attendance from XXXX to XXXX. As of XX/XX/XXXX all of the loans have been paid in full yet, they still show derogatory unverified student loans and their statuses on my credit file. Loans that have been paid in full are reflected negatively. 
The total loan debt of {$65.00}, XXXX because of their inaccurate reporting have doubled to {$120000.00} that they report negatively even though documentation from the National Student Loan Database reports to the contrary. They have a complete absolute mess!!!!!
Consumer complaint received 2021-04-12
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC (FL)

I got a letter from XXXX saying that I owed them XXXX and XXXX I immediately requested validation for this as I did not know where this was coming from. 
They sent a document disclosing all of my personal medical information I never sign a form or gave them authorization to obtain any of my personal medical records Requesting immediate removal of this debt for violation of my hipaa rights.
Consumer complaint received 2019-09-18
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (PA)

Checked my credit report on XX/XX/2019 and Synchrony bank decreased my credit limit from {$2500.00} to {$1500.00} making my utilization 90 %. I owe {$1400.00} on the card currently.

I never missed a payment and always on time. This is negatively affecting my credit score.

I called them and asked them if they could raise it back to the original {$2500.00} limit, but they declined my request.

I am working towards buying a house so this will hurt me big time.
Consumer complaint received 2019-02-14
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I was contacted by phone by someone claiming to be from The Department Of Treasury.His name was XXXX XXXX. He told me an arrest warrant was put against me. I was told I owed back taxes. HE TOLD me he had the authority to cancell the warrant if I paid the back taxes. HE used my debit card to the amount of {$2200.00} by using a XXXX XXXX  card.I have his number. Also he keeps calling my cell number .I was scammed on XX/XX/2019 between XXXX and XXXX XXXX.
Consumer complaint received 2019-02-14
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc. (GA)

Never received notifications of the collections account until I noticed it on my credit report. Today I called the hospital and requested the date of service, the date of first statement was sent out as well as the original due date of this bill. The answers were as follows. XX/XX/2018 date first statement was mailed XX/XX/2018 and original due date was XX/XX/2018. The collections account was opened on XX/XX/2018 at this point the bill was only 120 days past due and only 150 from first statement. FAIR DEBT COLLECTING ACT states a medical bill must be 180 days from when it was owed before its allowed to be reported to the credit reporting agencies. That would have been XX/XX/2018. I have Medicare and it takes a few months to figure out from them what is being paid and what isnt. I was not trying to avoid paying this {$54.00} medical bill just waiting until I knew what was actually owed. I received a different amount owed each month for the bills I did get from the hospital. I arraigned payments with them and even made a payment to them after this was sent to collections. I was later informed I was paying on a different amount owed however every bill I saw had the total amounts of all services on them they were not separate bills for each date of service so I can not see how I was paying a different bill and they sent this to collections. The hospital is taking ridiculous amounts and separating the bills to show multiple collections for the same doctors visit. I was informed today there is a separate collections account for {$7.00} and yet another for a different amount I havent seen a bill for any of it since XXXX or XX/XX/2018. I only saw one doctor and one bill was submitted to Medicare how can they separate this into micro bills so they can unfairly attack my credit report because they mistakenly thought I didnt want to pay even after I had called and made arrangements.
Consumer complaint received 2023-10-06
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: BARCLAYS BANK DELAWARE (WY)

I've asked them many times via email to send me the payoff and balance information of my account. Their is some problem with the balance and they will not proved the requested information unless I call them. 

I have an XXXX XXXX and speaking with their company exacerbates my condition. As such, I can not be accepting phone calls from the company. I am open to written or email communications. 

All I am trying to do payoff my account but they will not communcate.
Consumer complaint received 2018-08-28
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. (GA)

After checking my credit I realize that I have been victim of identity theft, An identity theft report had been filed with the FTC and a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.