davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-07
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC (UT)

On XXXX XXXX, XXXX I received a notification in the mail from Receivables Performance Management stating that I owed {$XXXX} and the original creditor was XXXX. 

I have never had an account with XXXX.
Consumer complaint received 2017-10-07
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP (MN)

US Bank sent notification in their XX/XX/XXXX statement that a $ XXXX monthly fee would apply beginning XX/XX/XXXX. I could avoid this charge if I maintained a {$300.00} minimum daily ledger balance. 
On XX/XX/XXXX, I deposited funds to bring my balance to {$310.00}. Therefore, my minimum daily ledger balance since XX/XX/XXXX was over {$300.00}. 
They took the {$4.00} service charge anyway on XX/XX/XXXX, stating that the minimum balance was {$260.00}, which was the minimum balance prior to XX/XX/XXXX. 
If the minimum daily balance requirement applied beginning at the start of my statement period ( XX/XX/XXXX ), it should have been stated as such. 

The {$4.00} is not the issue - if they did this to me, they did it to thousands of other consumers. The {$4.00} may be a bigger issue for them, and they may not have the wherewithal to fight it.
Consumer complaint received 2017-11-18
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (MD)

This is the second time that this creditor, Synchrony Bank, has erroneously closed my account that it 's in good standing. A credit increase was granted and there were no issues for many months. Then, I received notice that the limit was decreased and subsequently without any notice, the account was closed within a couple of weeks. I called to inquire and once again, I was told that I called to cancel the account in XXXX of XXXX due to fraud. Interestingly enough, I was able to use the card in XXXX of XXXX. I never called with such requests and their representative, just like last time, insisted that someone called and verified all my credentials to close the account according to their records. They had the audacity to state that they verified that it was from my cell phone, the number on file, that they received such call. I informed that that I could provide them with a detailed call log that would prove otherwise. I informed them that this has happened before and requested to speak to a supervisor. This individual was able to confirm my suspicions. It was happening all over again. I 'm currently disputing two ( 2 ) fraudulent accounts on my credit report which have nothing to do with the others that are in good standing. For some reason, when the creditor receives this notice, which is not an account being disputed, they fail to properly conduct an investigation or confirm that the account is legitimately mine. I 've had this account for years now and I would like it to be restored to the last credit limit, the awards earned re-instated and a replacement card overnight to my address on file. I can not believe that a company behaves in such manner especially when payments are being made on the account. Do they think that a fraudulent account will be getting paid over the years? I wish that they would take better steps to verify the account prior to closing it without reason. If every time I dispute an account or an item on my credit report that has taken years to be resolved they close the account, they 're not doing good business practices. I understand that they have to protect themselves, but the consumers who keep them in business should also be protected. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.
Consumer complaint received 2022-10-05
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. (PA)

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.
Consumer complaint received 2017-10-07
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. (GA)

Experian continues to block my dispute of the account listed on my report as XXXX XXXX XXXX account numnber XXXX. The account is a collection account that is showing as having been included in bankruptcy in XXXX. This is incorrect and Experian will not let me fix the problem or claim that they have " verified '' the information as correct. They send notices that : " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute ... '' If Experian really did verify the information as being correct, then they would know that this account was not included in bankruptcy as it is listed on my report.
Consumer complaint received 2020-07-09
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. (CA)

I noticed that my credit reports are reflecting a late payment on my XXXX XXXX XXXX XXXX account. This account is paid on time each month and my balance owed is incorrect. See enclosed documentation. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request that you immediately delete this negative mark. I have previously contacted the creditor to update their records.
Consumer complaint received 2017-10-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL (AZ)

I lost my XXXX XXXX XXXX credit card : XXXX and XXXX and their are fraudulent charges and transactions of {$2500.00}. The charges do n't belong to me. I have never used my XXXX credit card.
Consumer complaint received 2017-11-18
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: Santander Consumer USA Holdings Inc. (TX)

I purchased a vehicle on XXXX XXXX,2017 and have several hard inquiries on my credit report. The only company that was authorized to access my credit was XXXX XXXX.
Consumer complaint received 2017-11-18
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credence Resource Management, LLC (TX)

A collection of {$2400.00} with Credence Resource Management that had an initial collection year of XX/XX/XXXX has been added to XXXX Report again. Now it is showing as a recent collection from XX/XX/XXXX and I believe this is a Debt that had been removed from my credit report back in XX/XX/XXXX due to the collection agency not being able to verify and validate it was my debt. This debt was initially put on my credit before i was even notified and i fought it then and it was removed. Now it has popped back up 6 days ago in XX/XX/XXXX without any knowledge to me this was still an ongoing issue. I do not want to contact them again due to the harassment i dealt with then but i do feel that i should have been notified. I feel as they violated my rights by adding it back without notifying me at all and i want it removed. I have lived in the same home for over a year and had the same contact information longer than that ( Phone, Email, ect. ) Please have them remove this as they were not able to validate then and this should not be an issue with peoples credit that they are able to just add collections whenever they feel like it. This is Illegal activity alot of people deal with.
Consumer complaint received 2021-09-10
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Berlin-Wheeler, Inc. (Kansas) (LA)

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, La. XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA. XXXX Re : Acct # XXXX Berlin-Wheeler , Inc . 

To Whom It May Concern : I am writing to request an investigation regarding account number XXXX. In response to my first notice dated XX/XX/XXXX, to collect a debt from Berlin-Wheeler, Inc. , I issued a debt validation letter to a Berlin-Wheeler, Inc to dispute the account that reported a {$200.00} fraudulent high balance on my credit report. Payment of {$100.00} for the account was credited on XX/XX/XXXX and was made directly to XXXX XXXX. As a result, the account balance was reduced to {$79.00}. On XX/XX/XXXX, a payment of {$92.00} was posted and paid directly to XXXX XXXX. Payment cleared both the {$79.00} balance and the {$13.00} collection agency fee. 

Moreover, the collection agency attempted to collect {$30.00} and {$170.00} when the balance owed to XXXX XXXX was only {$79.00}. Berlin-Wheeler, Inc. , instead of correcting their records, attempted to collect money they were not owed. In my opinion, XXXX XXXX and Berlin-Wheeler Inc. are engaging in a Ponzi scheme to earn kickbacks by referring their customers to their personal collection agencies after they have made a good faith attempt to pay the cable bill. XXXX XXXX shows no regard for their senior citizen customers, who live on a fixed income, who are XXXX years old. 

In addition, seven days after I attempted to make good on paying the account in full on XX/XX/XXXX, XXXX XXXX sent my account for collection without due process. The actions they took were unjustifiable in light of my payment to the account in full the same month. According to public records, Berlin-Wheeler , Inc. 's license was revoked on XX/XX/XXXX, by the Secretary of State for the State of Louisiana. There is no record of reinstatement of the license after that date. It is against the XXXX to engage in deceptive business practices such as these. The company needs to be investigated for poor billing practices, profit-driven behavior only, failure to register with the Secretary of State for the State of Louisiana and violation of the XXXX. 

Respectfully, XXXX XXXX Cc : Consumer Financial Protection Bureau Cc : Louisiana Attorney Generals Office Cc : XXXX XXXX XXXX Cc : Congressman ; XXXX XXXX
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (FL)

I filed a dispute with XXXX regarding XXXX and XXXX loans. However, when they responded it was said that the loans are in good standing but my reports show the loans are paid late which is totally in accurate. XXXX stated that the loans were defaulted in XX/XX/XXXX and XX/XX/XXXX but I can provide proof via my checking account when the payments were on auto pay and debited from my account. If necessary I will provide bank records from my account. 
Please remove this from my account. 
The delinquency is contributing to my low credit score. I need these inaccuracies cleared up immediately.
Consumer complaint received 2024-03-13
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Spring Oaks Capital, LLC (TX)

SPRING OAKS CAPITAL LLC is in violation of multiple laws set forth by Congress in regards to the following account # ( XXXX and XXXX ) reporting to XXXX. 15 U.S. Code 1681b ( 2 ) states In accordance with the written instructions of the consumer to whom it relates. I have never provided written permission for such accounts to be reported on my consumer report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( SPRING OAKS CAPITAL LLC ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, 15 USC 6802 ( b ) ( 1 ) ( B ) states the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party. I have never received any form of notice to opt-out of my nonpublic personal information to be shared with unaffiliated third parties. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Consumer complaint received 2021-03-24
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (TX)

Earlier in XXXX ( XX/XX/2021 ), my friend had his phone stolen. From that stolen phone, a scammer asked me for some money. At the time I thought it was my friend because I did not know the phone was stolen. I transferred the money to the number via " XXXX XXXX  ''. 

Maybe an hour later, I learned that my friend had his phone stolen and a scammer was contacting me. I contacted XXXX and they told me to contact chase because the money had gone from my debit card through XXXX  cash. I opened a claim with Chase and I was refunded temporary credit. However today ( XX/XX/2021 ) I learned that Chase had researched and found that the transaction was authorized and was not going to pursue the claim. The temporary credit was going to be removed from my account. 

I called Chase again today and they said since it went through a 3rd party, they were not responsible for scams and couldn't do anything and would be removing the credits from my account.
Consumer complaint received 2017-11-18
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. (FL)

I filed a dispute with XXXX regarding XXXX and XXXX loans. However, when they responded it was said that the loans are in good standing but my reports show the loans are paid late which is totally in accurate. XXXX stated that the loans were defaulted in XX/XX/XXXX and XX/XX/XXXX but I can provide proof via my checking account when the payments were on auto pay and debited from my account. If necessary I will provide bank records from my account. 
Please remove this from my account. 
The delinquency is contributing to my low credit score. I need these inaccuracies cleared up immediately.
Consumer complaint received 2017-11-18
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc. (PA)

XX/XX/XXXX - paypal credit sent a bill to me and I have never seen this account before. The charges were for little amounts and I have no idea what they are for. I called the number on the statement and asked them to close this account and to dispute all the charges. They would not give any information on what the items were. XX/XX/XXXX XXXX received letters stating that the charges were valid and the case was closed. Contacted the paypal credit and asked to speak to supervisor. The ladies name was XXXX and she refused to supply me with a last name or id number. She stated that the charges were made using the same ip address. I asked her how the account is accessed and she said through email. The email address is not my email address and she refused to tell me what the email address was. How can someone have my social security number and use and account to order items I have never heard of. She refused to give me any information on the account that is supposed to be mine. She stated she the account was not closed from the prior week and asked that she close the account for the second time. I even tried to google the names of the charges on the credit card statement and was unable to find information. These are not charges made by me or my wife and I do not understand how they can refuse to dispute the charges. The amount is very little - but it is still the point that these are not valid charges.
Consumer complaint received 2021-10-04
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I have reviewed my report XX/XX/XXXX noticed there are several items on my report that are being illegally reported. There are inaccuracies and inconsistencies in the reporting status listed on the accounts shown. Based on FCRA 611 ( 5 ) ( ii ) I sent in a dispute showing the inaccurate information and requested it to be deleted. I received resulted from XXXX that showed to accounts " updated '' Once I looked at the updated copy of my report I noticed that nothing about the accounts in question were in fact updated. However, I notice a late payment that I asked to be reversed had changed months originally it was reporting late in XX/XX/XXXX it now shows XX/XX/XXXX I spoke with a CRS at XXXX and she stated the XXXX XXXX verified there were No late payments XX/XX/XXXX based on the FCRA 611 ( a ) ( 1 ) ( a ) I sent in a reinvestigation letter and on XX/XX/XXXX I received results saying the account 'updated '' after reviewing the updated credit report there were no changes. 

This is a complete violation of the Fair Credit Reporting Action FCRA 611 ( a ) ( 1 ) ( a ) and FCRA 611 ( 5 ) ( ii ) and I would like this information removed from my credit report ASAP
Consumer complaint received 2017-11-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (WA)

XXXX is reporting A tax lien that doesnt belong to me as XXXXXXXXX and wont remove it, XXXX is reporting XXXX XXXX XXXX as deliquent and XXXX XXXX as collection which arXXXX Hippa Law violations as well as child support that are 180 days late and deliquent Experian And XXXX is reporting Child support Enforcement as of XXXXXXXXX as delinquent and 180 days late as well as XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and XXXX all as charge offs these accounts are damaging and malicious and effects my ability to get loans and employment
Consumer complaint received 2021-07-12
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)

ACCOUNT # XXXX HAS A OPEN DATE OF XX/XX/XXXX WITH NO PAYMENT HISTORY OR XX/XX/XXXX DAYS LATE NOTICE. TRANSUNION IS NOT REPORTING 100 % ACCURATE INFORMATION ON MY CREDIT REPORT, THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA AND FDCPA
Consumer complaint received 2015-10-18
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Systems International, Inc. (MD)

I pulled my credit report and noticed that Credit System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report, no response, they just continue reporting on my credit report
Consumer complaint received 2024-03-13
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CL Holdings LLC (VA)

This company left me threatening voicemails, which cryptically imply that there was a warrant out for My arrest and that they needed to get in contact with me to resolve this matter. I finally let in and answered their phone calls where a man on the other line proceeded to intimidate me with personal legal matters. It was if he was impersonating law enforcement to have me pay the debt as a fine.

They have 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2021-07-12
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Outsource Group, Inc (NC)

I asked the company for validation of the account, provide a contract between us bearing my signature. They also violated my hippa rights as you will see below they have provide medical information they should have, they also didn't address all my questions in my validation request. Please see all necessary attachments needed to prove my case. 

Thanks XXXX XXXX
Consumer complaint received 2021-07-12
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. (IL)

ACCOUNT # XXXX HAS A OPEN DATE OF XX/XX/XXXX WITH NO PAYMENT HISTORY OR 30/60/90 DAYS LATE NOTICE. EQUIFAX IS NOT REPORTING 100 % ACCURATE INFORMATION ON MY CREDIT REPORT, THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA AND FDCPA. P.S I HAVE NO KNOWLEDGE OF THIS ACCOUNT # XXXX