davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-08
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

I received a letter from Portfolio Recovery in Reference to the below mentioned account number. This debt was cancelled by the original Credit Card Company after I disputed this debt as paid and also filed a complaint against the company, XXXX Bank. Portfolio has stated that I failed to submit information to prove that the debt was invalid, I did not receive any communication from Portfolio Recovery until today about this debt. It was cancelled in XX/XX/XXXX. I am enclosing the statement issued thru CFPB by Portfolio Recover after my filing and also I am faxing the letter that they sent to me, that I received yesterday. 

This debt was settled years ago thru another collection agency. 
Case number : XXXXRelated Case Number : XXXXBackStatus Response not disputedPortfolio Recovery Associates LLC said : Explanation of closurePRA purchased the XXXX Bank XXXX credit card account ending in XXXX from XXXX Bank on or about XX/XX/XXXX. Business records provided to PRA by XXXX Bank at the time of our purchase verify that the account was opened on XX/XX/XXXX, by XXXX XXXX whose social security number ends in XXXX and that a balance of {$620.00} was due on the account at the time of PRA 's purchase. 
In response to your dispute, we closed the PRA account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. 



ReliefIn response to your dispute, Portfolio Recovery Associates , LLC ( " PRA '' XXXX closed the account and requested that the consumer reporting agencies remove our tradeline for the PRA account ending in XXXX from their credit reporting. 





ResponsePRA received and investigated your dispute. We closed the PRA account ending in XXXX and requested that the consumer reporting agencies remove our tradeline for the account from their credit reporting. We believe that no further steps in response to your complaint or follow-up actions are required at this time.
Consumer complaint received 2015-12-06
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: TOYOTA MOTOR CREDIT CORPORATION (LA)

On XXXX XXXX, 2015, I submitted payment of {$14.00} in a cashier 's check # XXXX to XXXX XXXX XXXX to payoff lease vehicle. It 's been forty-four days and Toyota Financial Services has not updated my credit report to show the account has been paid in full with a XXXX balance. The account is listed under XXXX XXXX and XXXX XXXX, as co-signer. I have filed several disputes with all XXXX CRA and the company has not complied. I would greatly appreciate your assistance in this matter ; and request a full investigation into the conduct of this company for failure to report.
Consumer complaint received 2015-12-10
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A. (HI)

I paid off my Macys Credit card on XXXX XXXX, 2015, cleared on XXXX XXXX, 2015 thru my bank. I called on XXXX XXXX to check if had been reported to the credit bureau and they said it would be reported on or before XXXX XXXX. In the mean time ... I am trying to prequalify to purchase a home so I am awaiting for my credit report to reflect. My loan company ran my credit report on XXXX XXXX, 2015 and Macy 's is still reflecting a balance. I called them again on XXXX XXXX, and they said they could n't do anything about it and they would report it to the credit bureau by XXXX XXXX, and also for me to contact the " Credit Bureau '' which was a dead end, not sure where to contact because the number they gave me was incorrect. Due to this problem it has affected by credit tremendously. If they did n't assure me of being cleared by XXXX XXXX, them I would n't have had my loan officer run my credit on XXXX XXXX, 2015. Please help me.
Consumer complaint received 2018-06-11
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. (TX)

I have a mortgage reporting from XXXX XXXX  on Experian and XXXX. I have never had an account with them let a lone a mortgage. I have written to both bureaus and XXXX XXXX multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under Experain. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed XXXX and XXXX that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

On XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed XXXX  and XXXX that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry
Consumer complaint received 2018-06-11
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. (TX)

I have a mortgage reporting from XXXX XXXX on XXXX and TransUnion. I have never had an account with them let a lone a mortgage. I have written to both bureaus and XXXX XXXX multiple times and have been unable to get any assistance. The account number for this account is # XXXX. Also my ex 's name keeps on appearing on my credit report under XXXX. I have also asked for this name, XXXX XXXX XXXX, to be removed multiple times.
Consumer complaint received 2018-01-08
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY (AL)

I was shocked when I reviewed my credit report and found a late payment on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX I am not sure how this happened. I believe that I made my payments to you when I received my statements. My only thought is that my monthly payment did not get to me.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (NE)

Wells Fargo has reported my payment status as between 30-90 days fromXX/XX/XXXX through XX/XX/XXXX. I have had numerous issues with them over billing. I have been paid up a month in advance since XX/XX/XXXX Example -- XX/XX/XXXXwas paid in XX/XX/XXXXXX/XX/XXXX paid byXX/XX/XXXX and so on. I have been paying biweekly since then. The minimum payment due at the first of the month was {$120.00}. I paid them {$65.00} bi-weekly without fail. When I discussed this with them and filed a complaint with CFPB in regards to almost {$500.00} in late fees, they reversed the late fees, but refused to remove the reported late payments from my credit report. This is the only account I hold which shows such poor standing.
Consumer complaint received 2020-05-05
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. (FL)

I'm filling this report because, I check my credit and notice so many fraudulent Activity on my credit it seem like whoever stolen my Identity was out of control. they was running my credit with so many different major Companies. I would like to put a fraud alert on my Credit. these Accounts that's on this report I did not authorize these Accounts needs to be off my credit. 
thank you
Consumer complaint received 2024-01-31
Product: Credit 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: ENCORE CAPITAL GROUP INC. (MA)

I had an account that was submitted to Midland Funding for collection. I logged into Midland Funding 's website to resolve the account. When I did this I noticed there was another account in the collections tab for XXXX XXXX with a balance of {$9000.00}. I opted to chat with a represenative and when I asked her how I dispute these charges and I didnt know the account she told me there was nothing she could do to help me. I checked my credit reports and the account isn't on them for me to dispute there so I logged back into Midland Funding and chatted with another represenative who was slightly more helpful. I explained to her that I needed to dispute the account and any/all charges associated with it. I told her that this account wasn't on my credit report and I asked for details on the account. I was told the account was opened in XXXX, closed in XXXX due to non payment and that it had been placed with their agency for collection. Now when I log back into Midland Funding the status is now " in legal collection ''. I asked repeatedly how to dispute this and finally she told me I could either file a police report ( from XXXX????? ) or file a complaint with the FTC which I wasn't aware I could do. So in summary here is an account from XXXX, I happened to resolve an account with Midland Funding and now they are persuing me for 1 ) an account I didnt open and have no knowledge of and 2 ) Interestingly enough NOW they decide to contact me for payment on this account once I've satisfied another. I think what happened was they saw that I resolved an account now they are trying to get me to pay ( from XXXX ) an account I'm asking help with disputing and they dont want to help me with it. This is fraud and all I was asking for was help, I suppose I shouldn't have expected any help from a company who plans on suing me for an account I didnt open.
Consumer complaint received 2022-10-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC. (FL)

On XX/XX/2021 I received a text message from Equifax stating a freeze has been placed on my credit report with a confirmation number XXXX. I contacted them and they stated there was no freeze on my report, a few months later I applied for a loan and was denied because there was a freeze on my Equifax report and they were unable to get my score. I contacted Equifax again and they took me through the verification questions they did whatever on their end and told me it would be fixed in 3 days to no prevail. My credit karma app stopped showing my Equifax score in XX/XX/2021. I have contacted Equifax at least XXXX times and I still can not get my credit report and I was denied again for a loan.
Consumer complaint received 2020-08-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIZENS FINANCIAL GROUP, INC. (MI)

The action that I took was I first call the credit card issuer company ( Citizens Bank ) and dispute all my charges that I didn't regonize and ask them to cancel my credit card on XX/XX/2020. The amounts is for {$7100.00} The credit card company went through one by one trasnaction and dispute the one that I didn't regonize, the person told she will mail me a new statement with the transaction that I had made and issue me a new credit card.
Consumer complaint received 2018-01-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK (FL)

I had a debt mgr program with XXXX that went rouge on my account, which caused double payments to my bank account and failed to send payments to my creditors which caused a backlash of late payments. Discover customer service offered me a way but only to catch me up with several small payments and told me I would still be marked and fee for being late even with small payments. Then my bank placed a stop payment all together with Discover without my acknowledge, I had to find this out after asking Discover why my account kept returning payment even through I kept trying to pay the bill. I asked for my card number and they refused to give it to me. I gave them another account number to bring the account back to current and was promised that they can reverse the fees and negative reporting through customer service.
Consumer complaint received 2022-04-01
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX. XXXX and TRANSUNION the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 


XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2018-06-09
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (KY)

I had previously transferred about XXXX dollars of ethereum to my coinbase account and logged in today to find that they have transferred half of it to themselves as it now says " sent to coinbase ''. I had no say in the matter and simply want my money back. Nothing more.
Consumer complaint received 2024-02-14
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (IL)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, IL XXXX My information was sold and bought illegally because I was a victim of the Equifax data breach. I sent a prior complaint however i received a full updated credit report with other multiple illegal accounts. I want these items deleted from my credit reports immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. Please Help me delete these illegal accounts from my credit reports. 
XXXX XXXX  amount XXXX XXXX XXXX  XXXX XXXX amount XXXX XXXX XXXX  amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX  XXXX XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX  amount XXXX XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX Amount XXXX XXXX XXXX Amount XXXX XXXX XXXX Amount XXXX XXXX XXXX Amount XXXX XXXX amount XXXX XXXX XXXX  XXXX Amount XXXX XXXX  XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX XXXX amount XXXX XXXX XXXX  amount XXXX XXXX XXXX amount XXXX XXXX  XXXX  amount XXXX
Consumer complaint received 2022-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (GA)

In XXXX 2022, I sent Experian a letter telling them to remove addresses that did not belong to me from my credit report and credit file. They disregarded my letter and failed to remove the addresses.
Consumer complaint received 2018-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (TX)

On XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ran my credit without my authorization. When informed Equifax and XXXX  that I did not have a signed contract with these dealerships nor was it authorized, they refused to delete the inquiry
Consumer complaint received 2015-09-17
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

I had XXXX ( XXXX ) Collections that were placed with XXXX XXXX XXXX and XXXX in XXXX. XXXX XXXX {$500.00} credit limit ( now show that I owe over {$1500.00} ). How can the payoff be more than the credit limit on the card when there was a {$300.00} credit balance left on the card. I called XXXX XXXX XXXX 's office to settle the acct. for the original credit card balance and was told by a XXXX XXXX representative that they would not except the payment2. XXXX Credit card {$1500.00} credit limit ( same thing happened as with the XXXX XXXX. There was an XXXX representative at XXXX XXXX XXXX that said they would not except the {$800.00} that I offered. After making several attempts to pay the collections I then pull my credit report to find that XXXX was sold to another collection agency named Portfolio Recovery and they are now and has been reporting me late every month since XXXX Who are these people and how is it that the account was sold while being handled by an attorney? 
This now appears XXXX on my credit report, which is affecting my overall score. 

I am really at a lose and do n't know what I should do from here.
Consumer complaint received 2021-09-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (AZ)

I order a XXXX XXXX on XXXX from HSN.com ( credit card from Synchrony Bank ). 
In XXXX Synchrony close the account, HSN send me an e-mail to put a credit card to make payments. The XXXX XXXX  was for {$190.00}, first payment of {$49.00} was paid on XXXX and the rest was paid XXXX each month until XXXX of XXXX. I don't have all the dates I call HSN and Synchrony Bank but each time I call hey said it was been recorded. Each time I call either one they transfer me back and forward. I told Synchrony Bank they need to get their money from HSN.
Consumer complaint received 2021-02-08
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. (FL)

On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.
Consumer complaint received 2017-12-01
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Worldwide Processing Group, LLC (TX)

Received a voice mail on XXXX XXXX, from ( XXXX ) XXXX which is a number for XXXX XXXX XXXX asking for information about myself. Having never been involved with this company I called the number back, turns out it was FMR, a debt collection agency calling me using a " spoofed '' number claiming I owed some sort of debt to " XXXX XXXX '' in XXXX, TX. No details were provided about this supposed debt, nor is there even a " XXXX XXXX '' in XXXX! In addition, they had the last 4 of my SSN and birth date. I have never been to a XXXX XXXX or any high interest loan company in my life, so this may also include an attempt at identity theft. Therefore I am placing a 90 day fraud alert on my credit and filing a complaint with the CFPB.
Consumer complaint received 2017-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (AL)

I 've pulled my credit reports and have noticed inquiries on my report that I did not authorize I 've contacted XXXX About this matter and. And have not gotten any help with this matter. They have had many credit security breeches. And the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed
Consumer complaint received 2017-12-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Meridian Financial Services, Inc. (VA)

XX/XX/XXXX I received a notice from Meridian Financial regarding a delinquency on XXXX XXXX XXXX  maintenance fees without ever getting request for payment from XXXX XXXX. Please see below.
Timeline : This property was conveyed ( through divorce inXX/XX/XXXX) to XXXX XXXX XXXX.
Since that date, I ( XXXX XXXX ) had not received any requests for payment of said Maintenance Fees ; therefore, I assumed XXXX XXXX was making payment.
XXXX XXXX filed bankruptcy inXX/XX/XXXX; whereby this property was includedXX/XX/XXXX i provided copy of divorce decree to Meridian. They in turn indicated that XXXX XXXX had not filed an updated Deed of Trust, removing me from the property.XX/XX/XXXXI obtained counsel and an updated Deed of Trust was filed in XXXX County. Copy was provided to Meridian onXX/XX/XXXX.
XX/XX/XXXX Meridian letter received stating XXXX XXXX had accepted the transfer of ownership, but was still holding me accountable for prior Maintenance Fees.
Consumer complaint received 2021-02-08
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: PORTFOLIO RECOVERY ASSOCIATES INC (TX)

Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.