davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-02-07
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SACOR FINANCIAL, INC (NY)

Around XXXX I opened an I had an account with XXXX XXXX ( XXXX ). The original amount was {$1800.00} for the purchase of a computer at 26 % interest. 
They sold the account to another company, which name I don't recall. That company subsequently sold the account to Sacor Financial. 
In around XXXX. Sacor contacted me over the phone and advised me that I owed them {$3800.00} on said debt. At that time I agreed to make a payment arrangement of {$40.00} Monthly. After that I called them multiple times over the years to ask how much I owed and for them to send me statements by mail. However, I was told that they didn't ; have to send me any statements. 
Recently, I contacted them because I wanted to pay-off my bill. Consequently I received a letter from them, just stating that I owed them {$14000.00}. When I called them and asked them how could that be possible, They told me that it was due to accumulation of interest. 
I then requested a breakdown and the account Representative didn't know how much did I owed when they bought the debt. They told me that they did not have that information. They bluntly told me that I owed them {$14000.00}, They took my payment of {$40.00} a month for ten years totaling {$4800.00}. Where did that money went. I am willing to pay the correct amount and that is the correct amount.

I hope you can help me on this matter there are many consumer in the internet ( website review ), which are having the same problem with Sacor. 
Can you help me on this please. or do you recommend for me to hire an attorney to deal with this company. 
I hope to hear from you soon Thank You,
Consumer complaint received 2020-02-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I filed for bankruptcy in XX/XX/XXXX. A creditor ( XXXX XXXX XXXX ) is still  showing on my report 5 years later. Ive contacted them as soon as the bankruptcy was finalized. I faxed them the discharge letter and e-mailed it to them. But its still showing. 
On XX/XX/XXXX my bankruptcy attorneys sent an e-mail, a fax along as did I and its still showing on my report even though this was discharged as part of my bankruptcy Please help
Consumer complaint received 2022-11-21
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report. I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately.
Consumer complaint received 2023-08-07
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)

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2020-02-07
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: CAPITAL ONE FINANCIAL CORPORATION (MA)

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2023-08-07
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. (MI)

When I reviewed my credit report, I discovered that the information is erroneous. The Equifax credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$3200.00}
Consumer complaint received 2022-03-08
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: Experian Information Solutions Inc. (VA)

I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

FCRA violations : payments never late XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$37000.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. $ XXXXXXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/N
Consumer complaint received 2020-02-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems (FL)

Debts in the amount of {$750.00} appearing twice as collection. I called the credit bureaus on XX/XX/2019 to dispute these unknown collections. They advised me the debt was hospital bills. I explained that I had not been to the hospital, the debt did not belong to me and I officially filed a dispute. I also requested for the bureaus to send me verification regarding these collections, which was never received. During these phone calls I paid off one collection that was my debt and disputed Two other debts in the amounts of {$1800.00} and {$1400.00}. These debts dont belong to me and I would like them removed at once. All three bureaus are not reflecting accurate information, the hospital bills were removed for XXXX, but are still showing on XXXX.
Consumer complaint received 2022-08-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

FCRA violations : payments never late XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$37000.00} Status Open. 

FCRA violations : accounts not mine XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$12000.00} Status Account charged off. $ XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$4400.00} Status Account charged off. {$4300.00} written off. {$4400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$8100.00} Status Account charged off/N
Consumer complaint received 2023-07-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA (CA)

I had a MGM Rewards Mastercard through First National Bank of Omaha with a credit limit of {$14000.00}. In XX/XX/2023, I noticed charges in excess of {$200.00} from XXXX. I called FNBO and they closed that card and reissued me a replacement card with a different number. On XX/XX/XXXX, I made a payment of {$10000.00} to my existing balance. On XX/XX/XXXX, FNBO then cut my credit limit 80 % from {$14000.00} to {$2800.00} even tho I had NEVER been late on my payments or made a payment that didn't go through. In fact, since I used that card frequently because of the rewards program, it was not uncommon for me to make several large payments in a month so I could continue to accrue points. When I called FNBO I was told that they would not discuss this with me, that I would get a letter in the mail and that nothing could be done about this. I informed them to close the new account and promptly stopped payment on the {$10000.00} payment I just made with the premise that I would just continue making the minimum payments until paid in full. This reduction in my credit limit resulted in FNBO showing me over 450 % over my credit limit, thus dropping my credit score over 70 points. I have tried to get FNBO to resolve this issue numerous times even offering to pay the card off in full, but they denied it every time. I explained to them that I NEVER used the card after they reduced my credit line and the way they are reporting it to the credit bureaus was incorrect, unwarranted, wrong and irresponsible. The way it shows on my credit report indicates that I excessively used their card to gain monetary gain which never was the case. My outstanding balance occured when my credit limit was {$14000.00} NOT {$2800.00}. Also, during my time disputing all this, they show me 30 days late on my payments but the minimum payment they said I owed was over {$10000.00} because they cut my credit limit so severely. I have since gotten them to agree to what the minimum payment should be AND I brought the account current was that was agreed to by FNBO. I currently have credit card credit lines in excess of {$110000.00} and have NEVER been late with my payments.
Consumer complaint received 2022-08-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION (IA)

Banked with truist for almost XXXX  months now and never had an issue until i decided to start funding my account and using my debit card to pay my bills, they locked my debit card which is fine, called to have it unblocked no problem and they end up locking it again but this time they are saying i have to come into a branch to do so which IS a problem. Truist bank is nowhere near me in my state, its an out of state bank so thats literally not an option. Bank locked my online banking with money still in my account lol, i tried an ACH transfer and set up bill pay payments and i tried to log in just to find out my account is restricted for security reasons. This has been XXXX of the worst banking experiences i've ever had and im not being treated like a customer at all. its almost like truist isnt allowing me to use my money the way i want or access my funds properly. Ive had no problem up until i made a large deposit into my account and started using those funds. 

i have no problenm verifying myself any other way but going out of my current state just to visit truist bank is not an option.
Consumer complaint received 2023-07-28
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: T.S. Holdings (NC)

(XX/XX/2023 ) I attempted to log into my account online and it is locked. I called the agency, asked for my account to be unlocked then spoke to them to see if a negotiated amount to resolve the account is an option. I was given an amount and stated I needed to checkmy finances and will call back or log into the account and resolve the matter. They were pushy and adimate they would stay on hold while I checked my bank. I explaned this is not a 30 second decision and I need to look over other bills before I make my decision and I would still like my account to be unlocked. They still were very pushy and I ended the call. 

( XX/XX/2023 ) I attempted to log in to my account, it was still locked. I received a phone call from the agency wanting to review the offer, I stated my account is locked and I would like it unlocked. I was told no to unlocking the account. I ended the call.
Consumer complaint received 2022-08-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Atlanticus Services Corporation (CA)

I have found out that a credit card was opened under my name without my permission per my credit report that an account was open under my name to Fortiva XXXXXXXX XXXX XXXX XXXX XXXX XXXX I have contacted this company XXXX times and sent over a police report showing fraud was committed. The address that the alarm was added to was an old address I use to live at in XX/XX/2017. I moved out of this house and now reside at a different residence. Every time I call they state that their going to remove the account and nothing happens. This has been over a year.
Consumer complaint received 2024-05-26
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation (CA)

I received a letter in XX/XX/2024 about closing my account. I have recently had multiple fraud transactions on my credit cards and this was XXXX of them. Instead of notifying me of this issue they closed my account due to " unauthorized activity '' this caused a huge decrease in my credit as well as me not being able to figure out how to resolve the issue. There were was a check payment made and then taken out as if someone tried to take it out before it could be found out but it ended up coming back returned. My balance is now over the limit and I refuse to pay any further amounts owed until this is rectified and the actual amount owed is reflected. I also want this off of my credit and balance it shown as positive paid since they decided to go ahead and send it to my credit as if it was unpaid.
Consumer complaint received 2022-08-18
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022 2022
Consumer complaint received 2019-01-26
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC (TX)

Phoenix Financial opened a collections account for XXXX on XX/XX/2018 Firstly the date is in wrong and doesn't correspond to any time I went to the hospital. Second all of my hospital bills were paid by me directly at the time service was rendered and all other charges are between the hospital and the insurance company. You shouldn't be able to decide months MONTHS! later that someone owes you another XXXX and then send that amount to a shady collection agency that then waits months and puts buts a bogus collection on my credit report for a XXXX  charge.
Consumer complaint received 2020-06-06
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Select Financial Services, Inc. (NC)

We are having a financial hardship and was behind on our Mortgage due to COVID-19. We reach out to our Mortgage Co XXXX XXXX several times asking if there were any programs that could help us and was told by our point of contact XXXX XXXX all they had to offer us was a forbearance. Which we denied because that would cause us a greater hardship. We managed to get together a couple of payments to try to avoid foreclosure. One in XXXX and two in XXXX. On XX/XX/2020 we received a trial modification from XXXX XXXX. We called XXXX several and emailed them because we had questions about the modification and asked that a supervisor give us a call. It wasnt until XX/XX/2020 we was able to speak to XXXX XXXX In lost mitigation she told my husband and I to sign the the contract for the trial modification and email it back to XXXX which we did on the same day. Also she said that XXXX was going to apply one of the payments we make in XXXX to the first trail modification that was due XXXX and that we wouldnt have to make a payment until XX/XX/XXXX. Today on XX/XX/XXXX I received a letter from XXXX stating that the borrower withdrew Modification Application which is breach of contract. The signed and a verbal agreement was made. XXXX and the borrower should have to honor it. This is causing me emotional distress. I would like to file a complaint against this Mortgage Co.
Consumer complaint received 2020-06-06
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)

XXXX XXXX XXXX XXXX -- -- XXXX  30 DAY LATE COMPANY FAILED TO VALIDATE DEBT, IGNORED IT. IN VIOLATION OF 609.
Consumer complaint received 2020-06-06
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. (NV)

I dont recognized and Account from XXXX XXXX XXXX that been reported to my credit report. 
Also I was informed that at the beginning of the contract XXXX XXXX XXXX has a wrong social security and they updated later once I tried to contact them about the unrecognized account. 
I sent a XXXX XXXX letter to XXXX XXXX XXXX and they failed to respond.
Consumer complaint received 2023-08-07
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)

My credit report shows 120 days late payment on XXXX XXXX XXXX XXXX XXXX account. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
Consumer complaint received 2023-08-02
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. (MA)

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo0 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-02-06
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CA)

I have no idea what this company is doing on my credit reports. I have never heard of them or from them and I only get insane amounts of calls demanding money. I have never left a debt unpaid and I dispute this 10000 %! I want these people to stop scamming me for money that is already covered by write-offs and taxes. They are illegally recollecting on top of money already written off and adding astronomical fees and interest not legal for them to do in my state! 

fdcpa laws were violated when i initially disputed this without any results or notice and they never ceases and desisted when i asked them to. I am frustrated and XXXX as to what they want and why they are harassing my family! I will give them 30 days to get their illegal collections off of my credit reports or I am taking this proof to small claims and suing them for FDCPA violations in my state!
Consumer complaint received 2019-02-06
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (CA)

Response received from Walmart through the CFPB report is not accurate. On top the problems of fraud and scam continue. An e mail received from Walmart states that Walmart did not receive payment for the month of XX/XX/2019. However, I have the receipt of payment posted on XX/XX/2019. The amount credited ( XXXX ) is not the correct amount. My balance with Walmart was XXXX after I had made 2 payments on an adult trike and a XXXX tablet. Those are the only two items I charged to my account. Any other charges falsely Walmart has posted gave to be removed as I did not authorize. If Walmart insist in posting false charges, provide me a video of when did I go to store to obtain any other items. As everyone knows Walmart has records of cameras and times people shop. I need to see my account cleared. The response received is not accepted and is fraud. Do not charge me for things I do not acquire. I have posted this in the XXXX credit report and I have a receipt for the payment made in XX/XX/2019 XX/XX/2019
Consumer complaint received 2022-03-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (CA)

I received a copy my current consumer report and immediately noticed inaccurate addresses, misspelled names and completely different phone numbers that do not belong to me. Under the FCRA my consumer reports should reflect accurate information at all time. This is a clear violation of that.