davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-01-13
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midstate Collection Solutions, Inc. (CO)

I was in a domestic issue with my ex-boyfriend and I had lived at XXXX apartments, he beat me up and I had to call the police to save me and my son because of this I did have to move to protect my son and myself and under the " Safe Homes Act '' in Illinois they should of never put this on my credit. I had sent in all my information to dispute the account to XXXX XXXX XXXX on XX/XX/XXXX and called multiple times and they still said it was in processing they took 31 days to finally decided what to do with it and sent it to XXXX XXXX XXXX on XX/XX/XXXX and that was day XXXX. With the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), they have 30 days to verify the information within the 30 day time period, then they must delete all of the disputed accounts from my report. The reason they said they sent my account to XXXX is because i was out of the state of Illinois but when I sent over paperwork and started calling them on XX/XX/XXXX they knew that I wasn't in the state of Illinois.
Consumer complaint received 2021-08-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (IL)

I was a victim of fraud by an individual posing as someone selling Sports Memorabilia. I paid him and I did not receive the merchandise. Chase refuses to honor my claim because I voluntarily paid him. They claim that it's my responsibility to work it out with the vendor who is in jail for fraud. Here is a story written about the vendor. Yesterday they reversed the credit previously applied to my account and I am now negative {$2000.00} and my mortgage payment is not going to clear. 

Here is the story about the vendor posted online. 

https : XXXX
Consumer complaint received 2018-02-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Portfolio Recovery Associates have been improperly reporting the status of information to the credit report agencies. On two separate accounts they have been reporting to XXXX as both accounts as an open status that makes them appear upon my credit report as still open and displays as they are still owed even though I had paid them back in XX/XX/2016 and XX/XX/2016. As for XXXX they are reporting one of the accounts as still open and in a derogatory status marked as not being paid. That one would be for XXXX XXXX XXXX XXXX. A phone representative from the disputes department of Portfolio Recovery had said they would update the tradeline on the reports as a paid status and that they then should show as being paid and listed as closed on the credit reports. I have yet to see any changes to my credit reports and I have yet to see any corrections to the errors that Portfolio Recovery has made.
Consumer complaint received 2018-02-10
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: Experian Information Solutions Inc. (NY)

Experian is still reporting my XXXX XXXX account as an adverse account that is negative with a late payment I am uploading proof from XXXX XXXX that this account was never paid late. I have attempted numerous times to correct this. Having this wrong information reporting is affecting my credit score.
Consumer complaint received 2021-06-02
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. (CA)

I have filed disputes regarding XXXX XXXX XXXX and provided proof that they have been reporting an account that does not belong to me. They have now started to call me and attempt to collect the debt even with out providing proof or even investigating. I've had this dispute open since XX/XX/2020 and this has not been removed. I have had numerous problems due to XXXX XXXX data breach and they are not helpful at all in resolving issues. I'm trying to buy a home for my family but can not because they wont do what is required under the FCRA. I've written letters and called and there is no way to reach a person.
Consumer complaint received 2020-01-25
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (FL)

Midland Credit Management reported to XXXX, XXXX, and XXXX  that I had an account with them that I opened on XX/XX/2019. This information is false because I did not open any credit card accounts in XX/XX/2019. 
I want Midland Credit Management to submit the following to me as proof that I opened this account on XX/XX/2019. 

The initial agreement between myself and the creditor. 
A transfer of debt ownership to a third-party collection agency. 
My payment history. 
The current account balance. 
Fees and penalties added to the account. 
The collection agency 's bonded right to pursue the debt in my state of residence. 

Afterwards I want Midland Credit Management to remove the information posted on my credit reports from the following credit reporting agencies. 

XXXX  XXXX XXXX In addition Midland Credit Management or it's subsidiaries are to no longer contact me about this account.
Consumer complaint received 2018-02-10
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC. (LA)

The original financing was, between XXXX XXXX and XXXX XXXX my husband at the time of the divorce, in XX/XX/2015.The judge awarded the Real property, including vacation property, all insurance, tax and all cost incurred with said properties to XXXX XXXX and declared that, My ex-husband was responsible for the mortgage ( s ) and he had full ownership of all properties and all debts, incurred. The original note for the time share, has been paid off before our divorce and any incurred maintenance /expenses are those of my ex husband, for the usage of the property and his personal enjoyment. I have not requested or visited any of the properties and/or services, that are provided by the original sales agreement. After the judge awarded the timeshare to my ex husband. These cost are that of the owner and the usage and upkeep. I am no longer the owner of the timeshare and I have no knowledge of whom Pinnacle Recovery. They were not involved in the original agreement and have no working knowledge of the transaction. The debt is not valid, nor is the debt, my debt. 

The credit bureaus are required to have the original contract/agreement in their care and retain that information, during the entire reporting term and thereafter. They have never had any documentation, prior to any ability to report, this debt/information and as protection provided by the fair credit reporting act. The collection agency, has stated that the debt will be reported to the credit bureaus and placed on my credit file, causing a hardship, for me and my family. 

I have spoken with XXXX XXXX and notified them countless times, that ownership of the timeshare, had been taken from me by the courts and awarded to XXXX XXXX, in whole. XXXX, has still tried to collect fees from me and has stated that, they have no respect for the court system and the judge has no authority over them and their property. These cost are the cost for the ownership of said, timeshare, which is not me, as of XX/XX/2015. 

I have tried to work with them, including but not limited to, asking XXXX XXXX, to allow XXXX, to sale the timeshare. XXXX XXXX agreed and XXXX was unable to sell, the timeshare, even at a discounted rate, because the timeshare market is all but gone. This is a strong arm approach, to try and secure a profit from, me on a investment, that I do not own and a market that has all but, died and this activity by all parties are illegal and I request a cease and desist of all collection attempts from me by all parties involved and that any attempt to place such debt. Cease and desist.
Consumer complaint received 2018-02-13
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Stanislaus Credit Control Service, Inc. (GA)

My name is XXXX XXXX My Account number XXXX I was a victim of identity theft in XXXX Georgia, I also did three months in XXXX, because someone was using my ID and max out my bank cards and credit cards, I lost my wallet one night when I went out with my friends from college, all my cases were dismissed and I am getting reimbursed, now Im trying to fix my credit
Consumer complaint received 2023-03-18
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. (FL)

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Consumer complaint received 2022-04-30
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. (TX)

In accordance with the fair credit Reporting act 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 XXXX XXXX XXXX ACCOUNT NUMBER - XXXX
Consumer complaint received 2021-06-02
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 communicated online with representative several times, to also include mutiple times I have attempted to dispute online. The last attempt was on today XX/XX/XXXX. 
I filed for bankrupty back in XXXX and 10 of the creditors that were included are now getting special attention on 3 different areas of my credit report. This is indicative of how only EXPERIAN does this to negatively impact consumers. XXXX  and XXXX  report are in order, listed properly. 
The 3 different areas are under Revolving Account ( which were closed and included in BK ) Summary of Accounts noted in BIG RED LETTERS " POTENTIALLY NEGATIVE '' on 10 closed accounts.

Then again Experian has these same closed accounts included in Bankruptcy listed un Chapter XXXX discharge. 
All I am asking is why does Experian have these accounts waving the red flag with Potentially Negative attached to each account. I am being heavly impacted twice, by individial listed separate accounts, then again these same account fall under Chapter XXXX discharge. 
Everytime I attempt to call I get either hung up on, have Rude and Nasty reps that wan na talk condesending to consumers and when they dont like it they just hang up.
Consumer complaint received 2021-06-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (GA)

I have inaccurate reporting of collection accounts on my credit report. I have been on this journey to update my credit report as of XX/XX/2021. I have sent several letters to XXXX  and Equifax to delete this information. As of XX/XX/2021 XXXX  has deleted these collections from my report. I am requesting that XXXX  and Equifax follow suit. Attached is a copy of my XXXX  report. Thank you in advance for your cooperation.
Consumer complaint received 2022-04-30
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: Bread Financial Holdings, Inc. (RI)

I filed a police report on behalf of all the charges made on my credit : XXXX/COMENITY/FOREVER 21 Account number XXXX Account charged off. {$310.00} written off. {$100.00} past due as of XXXX XXXX. 

Account name XXXX Account number XXXX Account charged off. {$440.00} written off. {$440.00} past due as of XX/XX/XXXX. 

Account name XXXX XXXX Account number XXXX Account charged off. {$910.00} written off. {$910.00} past due as of XXXX XXXX. 

Account name XXXX XXXX XXXX Account number XXXX XXXX $ I have tried to dispute these in the past but it seems that I need a police report and to file identity theft in order to get this take care off. It sucks when someone uses your credit before you get the chance to start your life.
Consumer complaint received 2022-04-30
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. (NY)

According to Consumer Credit Fairness Act ( S.153/A.2382 ), the statute of limitation on the following account has passed. 
XXXX XXXX XXXX Account # : XXXX
Consumer complaint received 2024-03-19
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK (TX)

I used the Discover app to make the payoff quote of {$1900.00} on XX/XX/XXXX. 
I called in and spoke to a rep on the XXXX to confirm that no additional amount was due and to close the account. The rep said no additional amount was owed and closed the account. 
I later get a statement in the mail that says {$7.00} is due on the account by XX/XX/XXXX. ( I did not open this envelope until last week as I thought it was junk mail/advertisements asking me to come back as a customer. ) I called on XX/XX/XXXX and was hung up on ( or the call just mysteriously disconnected ) by XXXX and another rep before calling in a third time to be transferred to XXXX who said he listened to the call and verified that the rep back on XX/XX/XXXX understood my intentions were to payoff the account, close it, and not owe any additional amounts. 
XXXX said that I now owed {$8.00}. 
I told him that I didn't mind paying the amount if that's what I owed but was never told about it and didnt think it was right for Discover to cause my XXXX score to drop more than XXXX points since then to now as a result of reporting the account as delinquent. 
BE REASONABLE FOR A MOMENT : Ive never had a late payment with Discover, so based on my past payment history, if I owed another {$8.00} ( or however much it was at the time ) would I not pay that too after paying such a large some in contrast ( {$1900.00} ) and closing the account? 
You would think this would prompt the company to call or email but they never did. 
XXXX said even though I was told I didnt owe anything back on XX/XX/XXXX, I still had to pay the amount and there was nothing Discover would do about repairing my XXXX score. 
After waiting on hold for more than 40 minutes, I paid the {$8.00} with XXXX over the phone. 
How do I know another six months from now I wont receive a new statement saying I owe {$5.00}? 
This is XXXX.
Consumer complaint received 2018-02-13
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. (FL)

I had a XXXX XXXX credit card where I was late paying, because I was having a financial hardship while trying to get through school. 

I didn't understand credit at the time, being it was my first credit card.Since then I have improved my understanding of finances and have never been delinquent on any other credit card. 

All I ask is for this charge off that I have negotiated and paid to what I could afford at the time, be removed from my credit report. This notation on my report has continuously interfered with opportunities for me that require a credit check. It has been affecting my life for 7 years now.
Consumer complaint received 2021-06-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I have 2 Capital One Credit Cards. Earlier this year, I began to pay them off after they were past due. One of the cards I paid off in full as I had an immediate use for it. After paying the full balance, the card was unrestricted. I inquired about when the other card would lose its restriction as I was 2 months into making on-time payments well over the minimum due. I didn't get a proper answer and the rep told me they didn't have information on that at the time. This was in XXXX. I called today, XX/XX/21 to lift the restriction on the second card as it is paid off in full and has a {$0.00} balance. When I spoke with the rep today, I was told that my second card is restricted indefinitely. I asked if this meant the card was useless and they gave me a roundabout answer, so I asked if this means I would never be able to use the card again. I was told yes. I understand the payments were late, but I was never informed about an indefinite restriction placed on the card, even when asking about it a month prior. I'm now in a tighter financial situation, which I would not have been had I known I wouldn't be able to use the card since I would have made smaller payments.
Consumer complaint received 2020-10-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

in XX/XX/2016 there is a fraudulent account on my credit report for XXXX from XXXX XXXX XXXX ON my transunion , XXXX and fico.
Consumer complaint received 2018-02-10
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kelsting Group, Inc. (CA)

I have contacted the collection agency and asked them to provide me with contract with my signature to verify that this is my debt to pay. The collection agency has not provided proof of this being my debt to pay. I also have disputed it through the three credit bureaus. 

I am unsure what else to do except seek further help in getting these matters resolved. Below is the name of the collection agency I have contacted and asked them to provide me with the above mentioned proof. 

2. Credit Bureau Assoicates/Original Creditor : XXXX XXXX XXXX $ XXXX First time contacting this agency was XX/XX/XXXX. Sent me a print out but no signature. 

The latest letter I sent was on XX/XX/XXXX.
Consumer complaint received 2018-04-06
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (NC)

I was sent a letter saying that I owe XXXX. I attempt to contact this firm to settle the debt, and they have no record of my account. I attempt to pay online and my account is linked to another person 's information saying I owe over $ 2k to a utility company I have never heard of.
Consumer complaint received 2018-02-13
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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (GA)

In XX/XX/XXXX, I filed a request/dispute with Credit Reporting Agency via Certified Mail in reference to my Public record information on my report. Specifically, the two bankruptcies XXXX and XXXX. The Agency - Experian then alleged to have verified my public record information with XXXX and the US Bankruptcy Court. I proceeded to ask for a Re- investigation on XX/XX/XXXX and provide proof from the two organizations, the Bankruptcy court and XXXX that they did not provide the verification and in essence the credit bureau was not being truthful. My investigation included calling XXXX on XX/XX/XXXX at XXXX XXXX, speaking to XXXX Agent XXXX and her supervisor XXXX ( the call was also recorded ) and again on XX/XX/XXXX at XXXX speaking with XXXX Agent XXXX. They both confirmed that their organization did not provide this information. The clerk of the court wrote a letter and confirmed they too did not furnish any information to Experian or any XXXX XXXX XXXX. 
The only clear thing is that the Experian is in direct violation of y rights and the law under the FCRA 609. Disclosures to consumers [ 15 U.S.C. 1681g ] and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any re investigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation ; and 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the data furnisher of that information that the information has been modified or deleted from the file of the consumer. Among many other violations. They are unwilling and unable to verify any information and conduct due diligence as is required by the law and the FCRA and yet refuse to delete this information as is required by Law. 
I humbly ask for assistance in having this information deleted from my Credit file at Experian. I humbly ask for assistance in having this information deleted from my Credit file at Experian.
Consumer complaint received 2023-03-17
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE (IL)

Paid off my credit card completely on XX/XX/XXXX for {$120.00}. Have not used this credit card since I paid it of. Received no emails or letters regarding bills for my account since I paid it off. I did receive a postal letter that my account was being closed but that was all. 

On the phone today XX/XX/XXXX they told me I was set up for paperless but received no emails and I never authorized paperless. I always received paperless. 

This doesn't explain why I received all these fees and received no notifications.
Consumer complaint received 2022-04-30
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC. (MO)

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report.

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.