davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-12-03
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Media Collections, Inc (CT)

Dear Sir / Madame. 

I received a collection letter from a collection agency, Joseph, Mann and Creed, for the amount of {$80.00}. This is in regards to an amount I disputed with XXXX Car Rental which has been subsequently been resolved with my credit card company, XXXX. As a matter of fact, it was resolved with CFPB 's assistance via case # XXXX. I've attached the resolution letter from XXXX. My understanding is XXXX has resolved this issue with XXXX so I'm perplexed why I'm getting a collection letter from the collection agency. 

Not only that but it seems XXXX has suspended my renting privileges with their company as well as my XXXX XXXX status. 

Again, the {$80.00} was incorrectly charged on my XX/XX/2021 rental and therefore should've been correctly reversed by XXXX. 

XXXX XXXX XXXX. The letter from XXXX says they resolved the issue with XXXX for the amount of {$80.00}. However, the original complaint was for {$80.00}.
Consumer complaint received 2021-05-06
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)

TO WHOM IT MAY CONCERN, IM REACHING OUT BECAUSE MY CREDIT REPORTS SHOWS THAT I HAVE SOME INFOMATION THE IS AN ERROR AND I HAVE REACHED OUT THE BUREAUS AND INFORMED THEM BY MAIL AND I HAVE NOT BEEN NOTIFIED OF ANY UPDATES IN ALMOST 30 DAYS. I WANT TO MAKE A COMPLAINT.
Consumer complaint received 2021-05-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

TO WHOM IT MAY CONCERN, IM REACHING OUT BECAUSE MY CREDIT REPORTS SHOWS THAT I HAVE SOME INFOMATION THE IS AN ERROR AND I HAVE REACHED OUT THE BUREAUS AND INFORMED THEM BY MAIL AND I HAVE NOT BEEN NOTIFIED OF ANY UPDATES IN ALMOST 30 DAYS. I WANT TO MAKE A COMPLAINT.
Consumer complaint received 2024-03-19
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC (NY)

On XX/XX/XXXX, I received a debt collection notice in my deceased Mother 's name from REVCO SOLUTIONS XXXX Inc. Reference # XXXX for the amount {$3300.00} as of XX/XX/XXXX according to XXXX XXXX XXXX XXXX In an effort to resolve this matter on XX/XX/XXXX I called REVCO and spoke with representative XXXX attempting to explain the situation. I informed her that this matter had already been resolved on XXXX XXXX, XXXX through the New York State Department of Public Service case # XXXX. After my attempt to explain, Representative XXXX stated, " look are you going to pay or not? '' Squatters had taken over my Mother 's house when I moved her into a XXXX ASSISTED LIVING Facility in XX/XX/XXXX. I promptly started Eviction Proceedings with an attorney. 
Working in the capacity of my Mother 's POA agent, every month, when the XXXX XXXX arrived, I called to implore with the agents to turn off the electricity because the squatters refused any responsibility for their utility usage and had NO intention of paying any bills. I spoke with many XXXX agents, XXXX being one of last. She stated " we are NOT allowed to turn OFF utilities according to the Governor 's COVID ruling. '' I had to pay up to XX/XX/XXXX confirmation # XXXX. 
After receiving several FINAL TERMINATION NOTICES from XXXX and causing much confusion through our many conversations, I contacted the proper authorities.
Consumer complaint received 2020-06-02
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: National Credit Systems,Inc. (CO)

National Credit Systems Refuses to remove an item off my credit report after I notified them of identity theft and fraud : I have also reported this with law enforcement and with the federal trade commission. I do not owe National Credit Systems and I am requesting that all information from national credit systems be blocked and or removed from my credit reports. 

This has directly impacted my job and living situation and I will be suing for damages if this is not rectified.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK (TX)

I applied for a XXXX Discover Card about 8months ago, and everything was fine when I was paying with my XXXX account. However I move away to go to college so my mom gave me her debit card to process the payments. Discover card took my payments but never told me the debit card was not a form of payment that they use, so about two payments were rejected. I then put my mom on the phone so she could see what was going on and she is the one that found out about the debit card not being a form of payment. My mom then used her checking bank account, which was also rejected. My mom put the bank on the other line with the discovered card agent, to make sure everything was ok. Which discover card said that it would be ok, however that payment was rejected also. Discover stated it was rejected saying no account found. Instead of discover working this out with me knowing that one of their agents realized that it was a debit card I was paying with they still decided to close my account., due to the payments being rejected 4 times, which was because discovered never advise me that they did not take debit cards. My mother called in again to try it again, and now after two months of trying to get these payments to go through and agent advise her that they do except debit cards, but they have to transfer you to a different number, so this has caused my credit to go down or look bad due to discover not accepting my payments and not advising me properly, due to my account now being closed. 
I would like for discover to open my account back up, especially since I am still paying the bill on-time.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC. (GA)

I don't recall having a contractual relationship with CAINE & WEINER COMPANY Account Number : XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2020-11-23
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PORTFOLIO RECOVERY ASSOCIATES INC (KY)

I have disputed the debt multiple times and have never received verification of the debt being reported by Portfolio Recovery Associates, LLC ( a subsidiary of PRA Group , Inc. ). The agency has changed details reported about the type of debt multiple times including reporting it as a changing account dates, reporting balance history as missing data after having previously reported data for that month, originally reporting the debt as credit card, followed by reporting the debt/themselves as factoring debt/company to circumvent the Fair Debt Collection Practices Act and then changed to reporting the debt as an installment loan. The company has responded to disputes by slightly alter some detail reported
Consumer complaint received 2019-08-17
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. (FL)

Once again this debt does not belong to me. This is my second attempt to fix this issue. XXXX  has already removed this account after finding the results of their investigation inaccurate. My next step is contacting a lawyer.
Consumer complaint received 2019-08-16
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. (WY)

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX Equifax Information Services, LLC XXXX XXXX XXXX XXXX, GA XXXX  While checking my most recent credit report, I noticed credit inquiries that I did not authorize, 1. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 2.XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX 3.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  5.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX   6.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX 7.XXXX XXXX XXXX XXXX, OH XXXX 8.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX I did not authorize anyone employed by these companies to make any inquiry or view my credit report. This is a violation of the Fair Credit Reporting Act section 1681b(c) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with documentation associated with these accounts, bearing my signature authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please  investigate per the Fair Credit Reporting Act section 611.
Consumer complaint received 2021-01-25
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. (GA)

I have talked to this company several times about inquires and bankruptcy that were reported incorrectly. I have also told them about addresses that were not mine. I have spoken to the Bankruptcy office and they stated that they did not give Transunion or XXXX the information they have provided on my account. I have also spoken to the police department and they stated that they would not give me a report for any inquires. I have stated to them if I report something that is not mine, it is their job to find out why they are using my social number. Transunion states that they want me to get a police report but they will not give one for that.
Consumer complaint received 2020-09-07
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2018-02-26
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American Coradius International LLC (CA)

I received a letter by mail from American Coradius International LLC stating that my XXXX balance was in debt and i owed {$280.00}. This statement is wrong. After logging into my account online through their website I see that my balance is {$0.00} and i do not owe any money.
Consumer complaint received 2019-08-16
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. (MA)

XXXX XXXX XXXX XXXX, balance XXXX XXXX balance should be XXXX paid this account off, XXXX XXXX XXXX XXXX balance XXXX this  balance was charged off in 2014, XXXX XXXX  XXXX should be a XXXX   balance paid off
Consumer complaint received 2021-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

" Deceptive marketing by Capital one '' Capital one send me a pre-approval offer to XXXX card from Capital One. Following the instructions and my unique invitation ID provided in the pre-approval offer, I applied for the XXXX card. But my application was rejected. The reasons mentioned in the rejection letter were incorrect. I called Capital One on XXXX XXXX and reported these issues. But even then, they did not approve my request for the card. I have many credit cards from XXXX and have an excellent credit history. Also, no major changes happened to my credit from the time I got the pre-approval offer and the time I applied for the card. 

I was not planning to apply for the card. I applied based on the pre-approval offer received from Capital One. 
Due to this unnecessary and deceptive Marketing offer, my credit is affected.
Consumer complaint received 2022-09-15
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)

I applied for auto financing and I was told by the dealership that only 1 inquiry would be done. However, I see multiple inquiries.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-04-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc (CA)

I received an email to my husbands email on XX/XX/2022 stating that I was a member with Chime and welcomed me to meet my new account. I have never heard of this Bank and have never applied for an account. The email stated that a Chime XXXX XXXX XXXX was being mailed out to me in a few days and I received that card in the mail this week and the card was in my name. I don't know how they got my name and address as well as my husbands email address which is not my personal email address. I reached out to Chime through the online web site and no one has contacted me to delete this fraud account. I have destroyed the card but i did make a copy of the card to make sure I had the correct information to pass on to the fraud department.
Consumer complaint received 2018-02-26
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc. (GA)

My daughter XXXX obtained this credit card in 2016. The limit was XXXX. She only spent 80 ( approximately ). She had a medical issue and ended up in the hospital. During this time she made a total payment of XXXX.This still was not enough to bring the balance down. The total balance is currently XXXX, with the majority being late fees and finance charges. 

We called them and although they were willing to remove some of the late fees she was still responsible for paying XXXX via a payment arrangement even though we can demonstrate the she was legitimately in the hospital.
Consumer complaint received 2024-03-19
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I don't recall having a contractual relationship with FAIR COLLECTIONS & OUTSOURCING Account Number : XXXX. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.
Consumer complaint received 2021-05-06
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (NJ)

I placed a dispute with chime ( XXXX ) on XX/XX/XXXX. I gave paperwork and evidence by XX/XX/XXXX. A week later i was told i didnt qualify for provisional credit. 
From my understanding the law is 30 days. It has been beyond that. First it was 30, then 90 days. This isnt the first time, they never have any answers updates or resolution for any issue.
Consumer complaint received 2021-05-06
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. (MD)

I have reviewed a copy of my credit report and I show company XXXX  XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Consumer complaint received 2018-02-26
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

On XX/XX/XXXX I applied for a Bank of America Business Fundamentals Checking account. There was a promotional offer advertised on the Bank of America website for new business checking accounts. I saved a copy of the offer when I applied. The offer stated that new business customers could receive {$200.00} if they applied online for either a Business Fundamentals checking account before XX/XX/XXXX and completed a deposit of {$1000.00} or more within 60 days. I applied using the link on the Bank of America website. Within minutes, I received an email notification that my application had been received. On XX/XX/XXXX I received notice that my account had been opened. Within just a few weeks of opening the account, I deposited more than the {$1000.00} requirement for the promotional offer and have made subsequent deposits since then. However, I never received the bonus. I have been in phone contact with Bank of America several times (  XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Each time I am told that someone will look into the issue. I even mailed the bank a letter on XX/XX/XXXX with a copy of the offer. There has been no response. It is false advertising and just bad business to offer an incentive to attract banking customers and not fulfill the incentive. I met the terms of the offer and should have received the bonus.
Consumer complaint received 2021-01-26
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. (NC)

On XX/XX/2020 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.
Consumer complaint received 2022-04-28
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. (GA)

In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Acct # XXXXXXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 section 604 A States that a consumer reporting agency CAN NOT furnish an account without my written instructions.
Consumer complaint received 2021-05-06
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: Experian Information Solutions Inc. (MD)

XXXX XXXX XXXX  XXXX Credit Unions XX/XX/XXXX Experian XXXX XXXX XXXX  Mortgage Companies XX/XX/XXXX Experian XXXX XXXX XXXX Mortgage Reporters XX/XX/XXXX Experian Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Consumer complaint received 2020-12-03
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (OH)

When I had XXXX XXXX ( XXXX ) I HAD to move, PER DOCTORS ORDERS, and requested my service be moved. They tried to charge me {$350.00}, just to move my service. Not because I wanted to move but, because it was MEDICALLY necessary for me to do so. I refused to pay that amount, returned their equipment, and terminated my service. I received an outlandish bill initially. When I called and spoke to upper management, my complaint/case was escalated. I never heard from them again. Then, this ICS Systems popped up on my credit ( XXXX  ), I was told I could pay 30 % and it would go away or, I could continue to let it affect my credit ... I filed a complaint and they won ... Ive had NO CONTACT WITH THEM or XXXX XXXX in years. Recently, I applied for credit ( after 6 years of on time payments ) and was denied due to a recent non payment/late payment so, they took it upon themselves to affect my credit all these years later even though I believed and stated, my initial request to move service was and shoulda been protected by Americans with Disabilities moreover, a company courtesy under the circumstances with a DOCTORS order. I would like these people to stop reporting this as a recent non payment and Id also like to know how or if it can be removed under any Disability Act.