davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-01-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Ability Recovery Services, LLC (FL)

The company XXXX XXXX XXXX of XXXX XXXX, XXXX. sent me to " collections '' according to credit bureaus over a non-existent account hurting my credit score. No due process was followed, they never contacted me. I definitely do not owe them a penny. 

I called the number of this company shown in website here : XXXX  : XXXX and the person said that I don't owe anything but they reported me to the credit bureaus regardless and won't fix this. Then she said that they are not related to XXXX XXXX XXXX of XXXX XXXX, XXXX. even though the number of the website shows that company 's name. I dont know what to do. 

Supposedly ABILITY RECOVERY SERVICES is acting on their behalf to collect {$64.00} dollars that according to XXXX XXXX XXXX XXXX XXXX, I owe to them. This is absolutely incorrect. I paid all my bills immediately, I don't owe anything to no one. 

Also, Ability Recovery Services has no option for a consumer to contact them. The contact info appears to be for prospective clients. So, XXXX doesn't make it easy on me to find out what is happening and why they came up with this bogus claim that I owe them. 

XXXX XXXX XXXX of XXXX XXXX, XXXX. and ABILITY RECOVERY SERVICES need to be monitored by Federal Regulators for the following : 1- Causing financial damage to U.S. citizens without any regards to due process. I am trying to renegotiate my mortgage and then this happened!! I can not believe it. I have now a derogatory mark on my credit score record for something that is just not true. 

2- Lack of business sound practices, such as producing documentation and communicating with the person that supposedly owes them money and communicating to such person that if no attention is given to the claimed amounts, that they will subsequently proceed with collections. I was NEVER contacted by any of these companies, they just didn't bother. They just proceeded to hurt my credit score and spoiled my chances of renegotiating my mortgage. Had they contacted me, I would have proven to them that their accounting and processes systems are deficient and sub-par because whatever they think they have about me is incorrect, meaning I have not used their services and I don't owe them a cent, nothing. 
By common sense, before you send someone to collections you first perform and document the intent to collect the alleged debt. You send letters, emails, make phone calls, leave messages. Many things could have been done and they did NOTHING. Had they contacted me I would have told them how wrong they are, but they didn't give me the chance. I dont even know how to effectively contact them and who in their organization can effectively repair this damage. 

3-Having a website with incorrect contact information so people can not easily find out what is going on and why these company have hurt their credit. These companies doesn't provide a clear path to communicate and agree on a solution.
Consumer complaint received 2018-02-06
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: Experian Information Solutions Inc. (FL)

My identity was stolen and a credit car was opened fraudulently in my name Bank name : XXXX XXXX XXXX XXXX. date open :XX/XX/2016 balance : is XXXX I have Provided FTC affidavit, police report and all documentation to credit Bureau experian has not taken this account of my credit and they are giving me a hard time this is now affecting my credibility and my reputation
Consumer complaint received 2021-01-28
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P. (NC)

I have previously sent LVNV Funding and affiliates a request to validate this debt, for the following account number ( XXXX ) on XX/XX/XXXX and again on XX/XX/XXXX via certified mail. Under the Fair Debt Collections Practices Act ( FDPCA ), I have the right to request validation of the debt that you say I owe you per the FDPCA. I have given LVNV Funding 30 days to remedy this situation, which is not only a reasonable period but is also the maximum time request limit as indicated by the FDPCA/FRCA. I received an unsubstantiated response from LVNV Funding, which did not properly validate debt, although I did receive signed confirmation via certified mail from the United States Postal Service that my validation letters were received on XX/XX/XXXX and XX/XX/XXXX, however attempts to collect said debt are still being made by LVNV Funding without properly validating debt.

Since LVNV Funding is still reporting this account on my credit profile, LVNV Funding is now in violation of the FDPCA and are subject to fines of {$1000.00}, which I may collect from LVNV Funding by filing a claim in small claims court. I intend to follow through with said suit if I do not hear back from LVNV Funding within 10 days. LVNV Funding should also be aware that reporting such invalidated information to the major credit reporting bureaus may constitute as defamation of character, as the negative remarks on my credit profile prevent me from benefits associated with a good profile. I am sure that legal staff will agree that non-compliance with this request could present LVNV Funding with legal inconvenience with the FTC and other state and federal agencies.
Consumer complaint received 2021-11-05
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION (DC)

Ive been having trouble the past two months with no having my on time mortgage payment processed for Fifth Third Bank because I owe a surprise new amount for escrow. The communication of the escrow analysis change has been poor but understandable because of USPS delays and that I havent set up an online account yet ( my mortgage was bought by them recently ). The adjustment to the escrow didnt align with when my property taxes are adjusted or with an insurance renewal so I was confused why it would change. Yesterday when I was able to talk to the escrow team on the phone, they told me that it was their process to hold twice the amount of the total of my projected property tax and insurance costs in the escrow account. So I paid the overall shortage of {$270.00} and my mortgage payment is also increasing by {$16.00} every month. It doesnt seem right that they are about to hold double what I am projected to owe in property tax and insurance.
Consumer complaint received 2019-03-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA (FL)

XXXX XXXX, XXXX closed in XX/XX/XXXX and my loans were transferred to Mohela. XXXX incorrectly reported my loans as delinquent for 90 days. These show twice on my credit report with all 3 agencies. XXXX  is reporting delinquent XXXX-XXXX. XXXX is reporting my payments late XXXX-XXXX and states the date last paid was XX/XX/XXXX which is incorrect. XXXX  is showing my loans late XXXX-XXXX which is also incorrect. I am attaching proof of my payment record : XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}, XX/XX/XXXX {$100.00}. As soon as my loan transferred to Mohela, I made all my payments on time until I paid off the two loans in XXXX. 

I called XXXX in XX/XX/XXXX and they refused to give me my payment history and told me to contact Mohela. I kept getting the run around with them and spent hours on the phone before giving up. I did contact Mohela and they said they could do nothing because they were not reporting as late. 

I recently pulled my credit report and I noticed that XXXX is still reporting me as 90 days late, this shows twice on all 3 credit reports and is majorly impacting my ability to approved for a mortgage. 

I tried to call XXXX but since they are shut down, I called Mohela and spoke to a supervisor on XX/XX/XXXX and they said they could not help me because they were not reporting me as late. The supervisor suggested I submit a complaint though CFPB. 

During the transfer of my loan, my payment history and payment status was incorrectly reported. I made a payment on XX/XX/XXXX to XXXX and that got sent to Mohela so I was not late in XX/XX/XXXX either. 

After a lot of hard work, I successfully paid off all my federal loans with monthly payments between XXXX-XXXX. I never had a late payment with any of my servicers as shown with the 9 student loan accounts on my credit report. This is impacting my life and ability to finance a house and car.
Consumer complaint received 2022-08-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (MS)

On XXXX, I sent dispute letters to XXXX, Equifax, and XXXX XXXX about inaccurate and incomplete items reported on my credit report. I sent it USPS certified mail # XXXX XXXX XXXX XXXX XXXX for XXXX, XXXX XXXX XXXX XXXX XXXX for Equifax, and I need assistance in this matter.I will attach copies of the letters below for your reference.
Consumer complaint received 2021-05-04
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. (MD)

I am writing to delete the 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 Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my children.
Consumer complaint received 2022-04-29
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COLLECTION PROFESSIONALS INC (Illinois) (IL)

I was informed that there were debts in collections that were actually accrued by my now ex husband. He wasnt paying them and it was/is ruining my credit so I did the right thing and set up payments. Now that I am almost done paying in the debts, I called the company to request a print out of the debt ( who owed the debt, the total amount paid, and the date of service ) I was informed that they could not go back and do that in their system. The representative said our system doesnt show what you have paid only what you still owe and we cant reprint. This is why we stress to our clients to keep the monthly statement we send. I was NEVER told one time I needed to keep that statement or I definitely would have. I even asked for their advice on how I could go about getting that information and she had no answers and said unfortunately I dont think youll be able to obtain that, and if you call the original creditor theyll just send you to us. I feel very helpless especially when I tried to do the right thing and pay the debts ( that really arent even mine ). The debts were from collection professionals in XXXX Illinois. There were a total of three bills. The totals that I was told were for {$940.00}, {$54.00}, XXXX XXXX.she only provided me with vague details stating one was from radiology and one was from XXXX ( our local hospital ) Please help. All I want it a print out of what I paid, who the debt was for etc and I feel I have the right as a consumer? 

XXXX XXXX XXXX
Consumer complaint received 2021-08-17
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)

There are some items listed on my credit report in which I did not authorize any credit pulls, or that those accounts belong to me. Additionally, there is an address on file in which I have never lived at. Please remove them.
Consumer complaint received 2020-06-03
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: EQUIFAX, INC. (CT)

I have submitted a dispute on three accounts in collection with Equifax in XX/XX/2020. I have not received a status update its noted pending. Most recently, I submitted another dispute to the companies for incorrect reporting, since I do not owe the amounts reported. Both XXXX   and XXXX  has removed these three collections off my credit report after I submitted the dispute XX/XX/2020. After speaking with a rep at Equifax they refuse to take immediate action by removing these accounts from my credit report but rather stated I should submit another dispute which I have done last week. However since I havent received a status update within the timeframe of my dispute ( 30 days ) these collections should be removed immediately from my credit report and Equifax refuse to do so which is impeding my credit score.
Consumer complaint received 2018-02-06
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC (NY)

I repeatedly receive calls from this company. They leave voicemails with dead air. Every time I call back, I tell them I am disputing this debt. Today they have already called three times. Each time is a different phone number. Ive called them back twice notifying them I have disputed this debt with the original creditor. I then ask to be transferred to a manager. Said manager rushes through his name therefore I am able comprehend him. Once I tell him Ive disputed this multiple times with this company and the original creditor, he then says they will remove my number from their call list. I then receive another call from the same company, different number calling about the same debt.
Consumer complaint received 2021-01-28
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: Experian Information Solutions Inc. (FL)

The credit bureau is continuing to report an erroneous report on my credit file from XXXX. XXXX responded to the CFPB complaint and acknowledged that they are not a licensed collection agency in the state of Florida and misrepresented that they have responded to my certified letter requesting validation of the debt. I filed a dispute with the credit bureau requesting written validation of the debt, and the only response I received was a statement telling me that the debt was validated but provided me with no information or written documentation. XXXX is not legally licensed to collect a debt in Florida, and they can not report that they are collecting a debt on my credit report. I have filed a complaint with the Florida Attorney Generals ' office. I am requesting that the credit bureau be investigated and that the account from XXXX be immediately deleted from my credit report.
Consumer complaint received 2020-06-03
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. (FL)

I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding item that is listed on my consumer credit report : Accounts Receivable Account # XXXX As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
Consumer complaint received 2018-02-05
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. (NY)

I have multiple creditors reporting inaccurate information on my credit report. I have disputed these inaccuracies with the credit bureaus for almost a year since I began in XX/XX/XXXX. The credit bureaus have eliminated some inaccuracies, but there are over 5 creditors on my report in collections and reporting accounts. These creditors have been discharged through bankruptcy court and some are just not mine. The bankruptcy has been removed from my credit report, but some creditors still remain even though they have not submitted any new information to the bureaus since XX/XX/XXXX. This information is hurting my score thus preventing me to get approved for a mortgage which is crucial at this point. I have contacted the creditors and they have stated that they removed it from their files, but the credit bureaus have to do it also on their end.
Consumer complaint received 2019-11-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (LA)

I HAVE CONTACTED THE CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT THE ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.
Consumer complaint received 2019-11-13
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

On XX/XX/XXXX, I received earnings withholding order at work from Midland Management LLC. I called Sheriffs office and was told to contact the attorney for Midland management. When I contacted midland management, XXXX answered and refused to let me talk to the attorney. He told me that it was an account with XXXX. Asked to provide proof since dont recall having a credit card with XXXX, XXXX said I was served in XXXX to an address he gave I never lived at. Asked XXXX to send all documents and so far nothing received. Asked about if it was my debt and if they settle, XXXX asked me to send my paystub and he can give 5 % discount.
Consumer complaint received 2021-11-07
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MO)

Received notice of account closure XX/XX/2021 citing " Key Factors that aversely affected your credit '' which are not accurate and citing a date of credit score provided of XX/XX/2021. A payment was made on this account on XX/XX/2021 of {$3700.00} bringing the account balance to XXXX. I am in the home buying process and wanted to 1 ) clear this monthly payment as a liability for the home loan and 2 ) improve my credit score. The account being closed on me without notice will adversely harm my credit by 1 ) closing an open account with 100 % positive payment history and 2 ) not giving me credit for reducing resolving balance to credit limit ratio since I no longer have the credit limit of {$6000.00} on the account. One of the " Key Factors '' cited was " Not Enough Balance Paid Down Over Time on Real Estate Secured Loans ''. This is a farce as more than the minimum mortgage payment has always been paid on time over the history of the current mortgage account, which has also been paid in full as of XX/XX/XXXX. I understand this would not have been updated with credit bureaus as of XX/XX/XXXX. 

XXXX XXXX / Synchrony Bank was fine making money of my interest payments until I paid the account and then immediately closed it which is negatively affecting me and citing reasons that were 100 % the unchanged when they initially issued credit. This is fraudulent. It is also not fair reporting that I do not benefit of my positive payment history and paying the account balance via credit scores for my home purchase and will instead be negatively impacted which will increase my mortgage cost in the interest rate I will qualify for. This is completely unacceptable practice. Synchrony Bank got paid and immediately closed the account.
Consumer complaint received 2021-11-07
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc (MD)

I have had a PayPal Account for several years. The pandemic has raised certain serious issues - especially with sellers from overseas ( e.g., XXXX is no longer selling via the primary market here in the US, but instead sell directly to consumers ). I've order several items -- and one took 35 days to deliver. Another order was not fulfilled. I had an email from them saying they could not fulfil it and I gave them notice to cancel the order. Neither PayPal nor I have heard from them. PayPal has not honored its commitment regarding merchandise purchase protection. The invoice was written in XXXX and PayPal nor I could read it. It also had a 'bad ' email on it ; these are badges of fraud and PayPal just directed my to my card. I sent the email regarding that they do not have the material for the items and PayPal would not cancel the account because it said it could not. This is unusual also because they attempted to take these funds when my bank did not pay it ; and what they have on their records is wrong. 

Now - I have canceled one dispute for {$44.00} and am just am taking the hit. The other has been resolved by XXXX XXXX, they did not accept the charge and canceled my card and issued a new one. Ref. ID # XXXX case is with my federal credit union account ending in XXXX.
Consumer complaint received 2019-11-13
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: DISCOVER BANK (FL)

I have 3 new hard inquiries on my credit report that I did not authorize. I am a victim of identity theft, please help me remove these accounts and put an alert on my credit. 

Between XX/XX/XXXX and XX/XX/XXXX, an inquiry made by XXXX/XXXX was added to your credit report. 

XXXX  XXXX Inquiry from XX/XX/XXXX Bank This inquiry could stay on your report untilXXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX   XXXX XXXX, VA XXXX ( XXXX ) XXXX Discover Bank Inquiry from XX/XX/XXXX National Credit Card Cos. 

XXXX Inquiry from XX/XX/XXXX National Credit Card Cos. 
This inquiry could stay on your report untilXXXX XXXX.
Consumer complaint received 2018-03-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: National Credit Systems,Inc. (CO)

On XX/XX/2018 XXXX XXXX XXXX XXXX sent me a letter to settle the Collection for {$2300.00}, which is the Original Amount. I had until XX/XX/XXXX to pay the Account in Full. The Account was paid in Full XX/XX/XXXX. I Received the Letter stating Paid in full. ***NOW***Credit Systems who had the Account, will not change the Balance to XXXX and Paid I Full. When I asked they said to Call XXXX XXXX XXXX said I have the Letter and they should change the Balance to XXXX. Called National Credit Systems and  they said FLAT OUT NO.