davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-07-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (TX)

After reviewing my credit profile on XX/XX/2019, I identified a discrepancy with account listed under Ability Recovery Services. I requested a validation on XX/XX/2019 as this medical account has been paid for by Medicare. Credit report was reviewed again on XX/XX/2019 and the account is still reflecting on my report and I believe that they are trying to collect on an account that has been fully paid for and I believe that the creditor does not have authorization to legally access my medical records and to attempt to collect on this account. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this account was not paid for in full by Medicare and that all information is correct.
Consumer complaint received 2018-05-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I have written several certified letters to XXXX AND PORTFOLIO RECOVERY asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8 for a collection amount of {$2100.00}. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with XXXX AND OR PORTFOLIO RECOVERY. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement is not sufficient validation of evidence.
Consumer complaint received 2019-10-10
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (MS)

I recieved a call from XXXX XXXX and they i was aprroved for a loan up to XXXX and pay back a XXXX and so I said that was to much and then he said he would approve me for XXXX which I payback XXXX a month.He also ask for my last for digit of my SSI # After that he went over my bank information that he already had and he told me a file number XXXX. SO he told me to call a XXXX and provide the XXXX. I called the number and they basically said I have to purchase insurance with PPI ( Payment Protection Insurance ) which was XXXX and to pay that before i can get the funds into my account. So after that he hung up and I called back a woman answer named XXXX XXXX her and her ext XXXX and she told me the same thing so told her I did not have it and she told me to call back when I do.
Consumer complaint received 2019-10-10
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL (TX)

On XX/XX/XXXX received a alert from XXXX stating a new credit was opened and reporting XXXX on my credit report with XXXX utilized. This caused my credit score to drop 57 points. I hen logged into my XXXX to verify and saw thw said account. I reached out to company via phone and was told that this was a Bank named Synchrony who Paypal had been sold to and that because they are now the owners of the accounts and is Bank they have to report to credit bureaus. I proceeded to ask more details and was told that the merger was in XXXX and that they just began reporting in XXXX. I was told that they were the new Bank for my Paypal account. I tried to explain that initially when I signed up for the Paypal account in XXXX it was advertised as a free line of credit with no reporting to credit bureaus. I explained that this was the only reason why I decided to sign up. I explained that if I had known that the potential for credit reporting could eventually change I wouldn't have never signed up. I also informed them that I had received no notification of the said changes. All they could do was apologize and explained that they would still be reporting on my credit account because the account now belongs to them. I asked why consumers weren't given options to prevent credit reporting prior to the official merger start date. It was stated that there were no options because they purchased the accounts and now own the accounts and no such options existed. I personally believe that it is fraudulent to not inform consumers of change so important that would affect their credit scores in such a major way. I never authorized anyone including Synchrony Bank to create a credit account in my name and begin reporting to credit bureaus.I believe that proper notification and options to close the account prior to credit reported could have been given. I would like the following practices to be properly investigated as this company is refusing to move the information off of my credit report.
Consumer complaint received 2018-05-31
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH)

This company XXXX XXXX is placing damaging collection information on my credit reports without any paperwork from them or the original creditor ... I use credit monitoring so it alerted that I owed a balance to XXXX  which Im assuming is a daycare attached to one my son attended. I dont owe any daycare money as I have been on public assistance for daycare vouchers with the State of Ohio and up until about XXXX or XX/XX/2018 did not have a copay which means I owe them nothing. They need to validate this debt and remove it or any and all available options that apply under FCRA will be taken
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A. (NJ)

Reporting of false information about my payment history to XXXX  and other credit agencies. They report a payment default status starting XX/XX/2018 and XX/XX/2018 this is false. The account has never been paid late. I have contacted this company several times to resolve. They are deliberately damaging my credit rating. Requesting removal of false negative credit reporting to XXXX  and all other credit agencies.

In addition this account is not " Included In a Wage Earner Plan '' chapter XXXX bankruptcy payment plan, this is false reporting.
Consumer complaint received 2018-06-04
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. (MO)

Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, XXXX, Experian, and XXXX all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 2 ) XXXX/XXXX XXXX-XXXX ( XX/XX/XXXX ), ( 3 ) XXXX- XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 10 ) XXXX XXXX XXXX   ( XX/XX/XXXX ), ( 11 ) XXXX XXXX ( XX/XX/XXXX ), ( 12 ) XXXX XXXX   ( XX/XX/XXXX ), ( 13 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 14 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2018-06-04
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. (MO)

Obviously I've been a victim of fraud, therefore I have disputed un- authorized inquires to no prevail. The credit reporting agencies, XXXX, XXXX, and Equifax all have took opposition approaches in contradiction to the rules of law stated in the FCRA. It clearly states that when a consumer finds inaccurate information on his / her report and disputes it, them companies are to provide physical documentation or else the so called account shall be removed. However, the above credit reporting agencies investigation only updated my report without physical verification whatsoever. Therefore and rightfully so, I'm requesting for the removal of the following un-authorized inquires to be removed. ( 1 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 2 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 3 ) XXXX XXXX ( XX/XX/XXXX ), ( 4 ) XXXX XXXX ( XX/XX/XXXX ), ( 5 ) XXXX XXXX ( XX/XX/XXXX ), ( 6 ) XXXX XXXX ( XX/XX/XXXX ), ( 7 ) XXXX XXXX ( XX/XX/XXXX ), ( 8 ) XXXX XXXX XXXX ( XX/XX/XXXX ), ( 9 ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), ( 10 ) XXXX XXXX XXXX   ( XX/XX/XXXX ), ( 11 ) XXXX XXXX ( XX/XX/XXXX ), ( 12 ) XXXX XXXX   ( XX/XX/XXXX ), ( 13 ) XXXX/XXXX XXXX ( XX/XX/XXXX ), ( 14 ) XXXX XXXX ( XX/XX/XXXX )
Consumer complaint received 2019-10-10
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. (FL)

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Since XX/XX/XXXX I have been contacting Transunion to remove a hard inquiry on my credit report that was done without my approval. The hard Inquiry was done by XXXX on XX/XX/XXXX. I contacted XXXX   regarding this and they stated that I have to contact the credit bureau to have it removed. I contacted Transunion and was told to fax a copy of my credit report and a letter requesting the removal as well as a copy of my ID and address and I did so. I am yet to receive a response from them. Today I contacted XXXX again regarding the issue and they stated that I should go to www.consumerfinance.gov and submit a dispute. Upon doing so It stated that I could not submit the request online and to contact Transunion by telephone. When I contacted Transunion by telephone I was told that I needed to contact XXXX and have them send me a Letter of Removal and then mail the letter and my request to have it removed. I then called XXXX who then notified me that they do not send out letters of removal. I am very frustrated with this issue as this inquiry was not done with my approval in the first place and now I am being given the run-a-round to have it removed. I would like to file a complaint on both Transunion and XXXX on this issue as both companies have failed in having this issue resolved.
Consumer complaint received 2019-10-10
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)

I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc. (TX)

Nobody will listen. I've complained and disputed this information several times. 
Please quit validating this INCORRECT information with Experian. 

XXXX is not reporting my history to Experian correctly. The other two bureaus are ok. 

1 : XXXX is reporting to Experian that I was current XX/XX/XXXX and XX/XX/XXXX. I WAS NOT CURRENT. 
No payment was made those months nor was I in forbearance or deferment. Refer to account history directly from XXXX ( attached ). 

2 : Because this account was negative when it was closed, XXXX needs to report a Date of Original Delinquency to Experian. Right now, the date Experian is using is XX/XX/XXXX. THIS IS NOT RIGHT. 
The date of original delinquency should be XX/XX/XXXX as evidenced in the account history directly from XXXX.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO. (FL)

chase bank froze my account and stated they would permanently close it. all this after i filed a claim for {$80.00}. they still insist to close it. now ... .they are trying to freeze it over {$1.00}. i deposited the dollar yesterday. there was {$80.00} credit from the claim which i reversed. Chase not credit the account {$1.00} to close it.
Consumer complaint received 2019-07-10
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC. (CA)

Hello, I work with a company overseas. They use XXXX  transactions to send money. 
My bank is Ally Bank. Ally apparently does not have their own XXXX code, they use a code through XXXX XXXX. This seems to be the heart of the issue. 

I worked very carefully to get all of the information to give the company from Ally. I gave it to them as directed. But my transactions never came through. 

The sending bank XXXX XXXX in XXXX XXXX made two separate transfers. 

1st payment : XXXX XX/XX/XXXX for XXXX Euros 2nd payment : XXXX XX/XX/XXXX for XXXX Euros As far as what the told me, the money did not come back to them. 

I called Ally on many many occasions. 
I called on XX/XX/XXXX I called on XX/XX/XXXX I called on XX/XX/XXXX. This time they told me they needed the 'tracing number ' of the original payments. I called back a week later with the tracing information. 
I called again on XX/XX/XXXX I called again on XX/XX/XXXX I called again on XX/XX/XXXX Ally escalated it to an executive resolutions team. The executive resolutions team did an investigations and told me that they will not be able to do anything. 
XXXX said that they would only begin an investigation if the receiving bank requested it. Ally refuses to look into this matter any further. 

Right now, I have over 400 Euros sitting in an account somewhere and Ally ( my bank ) refuses to send an e-mail to XXXX asking where it is.
Consumer complaint received 2018-02-23
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NC)

Date : XX/XX/18 Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX 
XXXX NC XXXX Experian Dispute Department XXXX. XXXX XXXX. 
XXXX, TX XXXX RE : XXXX XXXX XXXX XXXX Act. # XXXX To Whom it May Concern, This letter is in response to your recent claim regarding XXXX XXXX XXXX XXXX Act. # XXXX which you claim is a Negative status. The account is and has been paid in full. 

By not replying in a timely manner to my initial letter, you have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, I further remind you that you may be liable for your willful non-compliance. 

Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in small claims action against your company. 

I would be seeking damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )  You will be required to appear in a court venue local to me, in order to formally defend yourself. My contact information is as follows : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 
XXXX, NC XXXX Social Security number : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC. XXXX XXXX XXXX
Consumer complaint received 2018-06-03
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc. (OH)

Choice recovery is attempting to collect an alleged medical debt in the amount of {$190.00} from XX/XX/2012 which is beyond the statute of limitations for debt collections in the state of Ohio which is 6 years. It is now past that. I demand that this item be immediately removed from all 3 credit bureaus on my credit report as it is negatively affecting my credit. You have 15 days to respond with removal or I will proceed with legal action.
Consumer complaint received 2019-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc. (MT)

This is a copy of the letter I sent to SAGESTREAM : To Whom It May Concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Home Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, " SAGESTREAM '' never responded or complied with my request. I will send them the letter again via certified mail. 

NOTE : I HAVE ALSO CALLED THEM 2 TIMES AND LEFT A MESSAGE. I NEVER RECIEVED A CALL AS OF TODAYS DATE.
Consumer complaint received 2020-02-10
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ACIMA CREDIT, LLC (GA)

Acima responded back to my dispute with the CFPB, but clearly is violating my rights and the FCRA Laws. They stated I was charge off as of XX/XX/XXXX due to late payments. If you clearly see here on my records with XXXX it shows the 100 % truth that this company is lying and not following the laws. Also I have proof of other records that will be attached showing that on XX/XX/XXXX I was offered several options for this account as a settlement. So on XX/XX/XXXX I accepted the offer " DONATION '' option that was given to me by a representative of that company as proof shows attached.
Consumer complaint received 2019-05-01
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: EQUIFAX, INC. (NV)

Hello. My name is XXXX. I happened to check out what was going on with my credit report. I noticed several collection items placed on my report that do not belong to me. Please remove them from my report today I appreciate the help. Thanks so much.
Consumer complaint received 2019-07-10
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. (IL)

XXXX ; XXXX and Transunion are reporting an incorrect balance on the XXXX XXXX account number XXXX. ( Please see the attached page from my credit report. ) I have also attached a copy of the check to XXXX XXXX dated XXXX in the amount of {$11000.00}. I had GAP insurance after my accident and this check was applied to this account, however the balance is not being reported correctly on my credit report. I have contacted the ( 3 ) bureaus to resolve this issue. This inaccurate reporting is harming my credit score.