davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-10-29
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: California Accounts Service (CA)

This collection company is collecting against me while the debt is not mine. The debt belongs to my adult son. I have explained this to the XXXX XXXX XXXX XXXX XXXX- original debtor and California Account Services XXXX who is currently posted it against my credit report as an active collection.
Consumer complaint received 2018-01-13
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. (TX)

I had paid off this acount and close it back in 2015 with XXXX balance. But on my credit report, they have reported that Im owning them {$600.00}. I have requested all the transactions to the last transaction before I closed my account, they never provided it to me instead they have sold the debt to a third party and refused to talk to me.
Consumer complaint received 2017-07-29
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Account Resolution Corporation (AR)

The collection company ACCOUNT RESESOLUTION CORP. Balance Date XXXX/XXXX/2017 and is attempting to collect on a medical bill from XXXX Clinic in the amount of {$39.00} of which, they have no right to collect. This bill was paid in full to the hospital directly. I disputed this information on my credit report yet, they are reporting that the collection account is open and validated according to the FCRA. on my credit reports to XXXX and XXXX. This is fraudulent information. It is apparent that the collection company has failed to do their due diligence in validating this debt and are inaccurately reporting this debt. If they fail to completely remove this collection account from my credit report, I shall file suit in the State of Arkansas and sue for damages to my good name, and for damages to my financial situation.
I have attached a word document showing the information currently being reported on my credit report as of XXXX/XXXX/2017
Consumer complaint received 2017-07-29
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (GA)

XX/XX/XXXX I contacted company via Phone XXXX to inquiry about its listing on my credit report. Company claims to be collection on behalf of XXXX, and stated i owe {$510.00}. I informed Portfolio Recovery that all business with XXXX has and had been settled prior to account being closed at my request in late XXXX. I also informed Portfolio Recovery that reporting a debt to my credit, without notifying me is against FDCP and to please remove their listing and provide me with what ever records, statements, and proof that they may have. To date i have not received any further correspondence, records, statements, phone calls or proof that i owe any such bill. Company continue to verify listing as accurate when it is not.
Consumer complaint received 2021-02-20
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: GVG Financial Services, Inc (CA)

On XX/XX/2021 at approximately XXXX PST a contact that I had listed as someone who knows me received a call from Cash N More about the payday balance that I owe. They gave that contact the amount of debt {$300.00} that was owed and where they were calling from I believe that is in violation of my rights since any information regarding the debt that is owed should not be disclosed to anyone. This is the second time that they contact this individual and I would like to file a complaint.
Consumer complaint received 2024-03-16
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL (FL)

In a letter dated XX/XX/year> from Synchrony Bank sent a change of terms notice. This notice includes a paper statement fee of {$1.00} to receive a paper statement from the company. As I like to see a physical copy of a statement and don't always have time to sit down and log into an account online, I do not think that I should have to pay to get them to send me one. This is part of doing business.
Consumer complaint received 2024-03-16
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group (GA)

These debt collectors have not provided me proper debt verification/validation for the alleged debt. Please delete all collections from my credit reports from XXXX, XXXX, & XXXX. 

XXXX Collections XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, BALANCE {$730.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$540.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$5200.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$790.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$740.00} XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX BALANCE {$480.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$360.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX {$1000.00} XXXXXXXX XXXX  XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, BALANCE {$730.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$540.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$5200.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$790.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$740.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$480.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$360.00} - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX, DATE OPENED XX/XX/XXXX, BALANCE {$730.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$540.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$5200.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX, BALANCE {$790.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$1000.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$740.00} XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX BALANCE {$480.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$360.00} XXXX XXXX XXXX DATE OPENED XX/XX/XXXX {$1000.00} XXXX DATE OPENED XX/XX/XXXX BALANCE {$1100.00} XXXX DATE OPENED XX/XX/XXXX BALANCE {$670.00}
Consumer complaint received 2024-03-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ALLY FINANCIAL INC. (NJ)

Ally is incorrectly reporting a {$24.00} missed payment from XX/XX/XXXX. Section 623 ( a ) ( 5 ) ( A ) of the FCRA prohibits a credit reporting agency from reporting a delinquent debt that is more than 7 years after the first missed payment. Ally, however, is reporting the date that Ally wrote ( sometime in XXXX ) off the debt as the date of the first missed payment. This delinquency will remain on my credit report until XXXX if Ally does not correct their reporting, which is 15 years after the original missed payment.
Consumer complaint received 2024-03-16
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kimball, Tirey & St. John LLP (CA)

I received a letter dated XX/XX/XXXX on XX/XX/XXXX notifying me of a debt in the amount of {$22000.00} owed as of XX/XX/XXXX to XXXX XXXX in XXXX XXXX. This debt is not mine - I have never applied for an XXXX  in XXXX XXXX nor lived at this address or anywhere in XXXX XXXX. I am a victim of identity theft and in XXXX I filed a police report as well as two FTC fraud reports. In XXXX, the same year that the debt is owed, I disputed and cleared several other fraudulent debts and inquiries that were made in my name.
Consumer complaint received 2022-03-11
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. (NC)

I was looking for a new car between XX/XX/2020 to XX/XX/2020. Each company that I applied for a car loan with put a hard inquiry on my credit report. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, and, XXXX XXXX XXXX all put a hard inquiry on my credit report. All of these inquiries should of been counted as one because there were made within a 13 day timeframe. I put a dispute in twice with equifax and they will not remove any of the hard inquires on my credit report. I have attached both of the dispute documents.XXXX and XXXX would not allow me to process a dispute for these hard inquiries.
Consumer complaint received 2019-10-29
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

XXXX XXXX XXXX , XXXX on behalf of XXXX XXXX XXXX ( Hsbc Bank Nevada, N. A.  {$3000.00}. Notice Of Judgement Collection. I contacted an Attorney and Submitting A Letter Of No Responsibility for Debt due to Identity Theft Or Fraud ( HSBC Bank Nevada N.A.  - Acct. # xxxxxxxxxxXXXX ).
Consumer complaint received 2019-10-29
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2024-03-16
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV INC. (MD)

1 ). On XXXX-24, I contacted TRS to follow up re : never received an email notification. Representative stated she would send an email to XXXX and cc me. The email would state I do not owe a debt. 2 ). On XXXX24, I contacted an XXXX representative, but they only have limited view of my account, because of the hold. 3 ). The XXXX representative stated he would send a request to have my hold removed within 24 hours. 
4 ). XXXX responded by referring me back to TRS and that the hold would not be lifted until I pay them a debt that I dont owe. 
5 ). TRS stated they would send XXXX an email saying I dont owe any money, and to lift the hold, then cc me on that email. 
6 ). TRS never sent the email nor did they cc me.
Consumer complaint received 2024-03-16
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (FL)

We filed a dispute with XXXX.Dispute # XXXX, We never had a XXXX acct. This is the third time a collection company tried to collect this. It has been removed twice. This time it's a different collection company, Transworld Systems Inc.acct XXXX. XXXX is no help, this was removed XX/XX/2023 the CFPB # XXXX XXXX XXXX  # XXXX. XXXX removed this last time. I told them this was removed twice but they just don't care. They did a poor job of checking the facts.We never had a XXXX Acct. XXXX has NO record of me ever having an account with them.
Consumer complaint received 2019-10-29
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc. (MS)

I made a purchase with Children 's Place in the amount of {$170.00}. Over the next few months, I was charged over {$180.00} in late fees in addition to this amount. Even though I was paying through my bank monthly, my payments were barely covering the late charges every month, and my balance never changed. I called to complain and even after that, I continued to receive late charges. In the end, I paid what I thought was a final {$11.00} and was charged an additional {$57.00} in fees. Below is a timeline of these fees. 

Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$30.00}. 
Late Fee XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$35.00} Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$30.00} Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$30.00} Late Fee on XX/XX/XXXX for {$27.00} - Payment received on XX/XX/XXXX for {$40.00} Late Fee on XX/XX/XXXX for {$11.00} Paid the late fee on XX/XX/XXXX for {$11.00} - all my statement showed online. I had gotten no statement! 
Late Fee on XX/XX/XXXX for {$13.00} - again no statement XX/XX/XXXX another late fee for {$27.00} - no statement or knowledge Threatened for {$57.00} - no knowledge or bill! I did not know this was there. Paid in full. Reported to the credit bureau. 

I have not gotten a statement in months! 

I have not gotten a statement since XXXX of this year. So, I had just set up an automatic bill payment through my bank two weeks before the due date to ensure I received no more late fees. I did this for three months out to try and pay the balance off. But the bills stopped coming. But then suddenly out of nowhere, I started to get threatening phone calls over one weekend with no warning. No messages left. Just a text message finally this past Sunday to say that I had a bill due and that they could not get in touch with me. I didn't know that I still had a balance. 

This company lives off of interest and late fees. I can not believe that I ever did business with them. I will never shop at a Children 's Place ever because of how much they milked out of me. I tried to talk to them about it, but they would not work with me. I explained that I had a bill pay set up to automatically pay them based on my statements. I don't know why it took so long to process. But, I pay all of my bills through this same bill pay through my bank. NOT ONE company has done this to me except this one. My auto loan and every bill I have goes through this same system with not one problem. I have closed my account, but I feel like I should be refunded for some of these late fees. Especially the last ones. Where did the random {$11.00} and {$13.00} come from? The late fees were always {$27.00}. And those are odd numbers. And where did that {$57.00} bill come from? The numbers don't add up!
Consumer complaint received 2017-07-10
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC (GA)

I have retained an attorney who has se nt two ce ase and desist letters because they continue to contact my minor child. Those were signed for by someone at the company on  XXXX   XXXX  and  XXXX . However, the calls continue.
Consumer complaint received 2024-03-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc (VT)

On XX/XX/year> I got a text from a man asking if I authorized a {$400.00} purchase at XXXX? I texted the response No. Then I received a call saying he was with the fraud department with Chime. He told me I would have to open a new account and he would help me. The man said his supervisor would be helping me. Gave her name .The man said I would need to have all funds in the checking account. I followed through the steps with the man. The he told me to go to the section in the chime card pay anyone. He told me his supervisor would help me I did what he asked.Then the call dropped, I waited but he did not call back, at which I called Chime and proceeded to tell them I had a call with the fraud department and then they said they did not have a department for that. I checked my accounts and all my money was gone, XXXX balance. I filed XXXX disputes which were done in about XXXX hours. I asked them to send me the paperwork on how they came to the decision and they said it would be emailed to me in XXXX days. This is not accessible way to do business.
Consumer complaint received 2017-07-10
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Avid Acceptance, LLC (AZ)

I purchased a vehicle with XXXX XXXX XXXX, XXXX located in XXXX, AZ and was financed with Avid Acceptance LLC located in XXXX XXXX, UT. I never received vehicle since this was a online transaction. I found out that Avid Acceptance , LLC sent money to XXXX XXXX XXXX, XXXX and the owner XXXX XXXX never paid the floor for titles on vehicles. I am 1 of 6 victims of title fraud and Avid Acceptance , LLC just found out recently. Both Avid Acceptance , LLC as well as me, the consumer have been victimized by this XXXX XXXX XXXX, XXXX XXXX. I have currently submitted online complaint with the AZ Attorney General as well as title complaint with AZDOT and have placed fraud alerts via XXXX. I also have been working with a detective XXXX XXXX XXXX.
Consumer complaint received 2017-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (TX)

According to my credit reports from XXXX, XXXX, & XXXX, National Credit Systems is attempting to collect debt on behalf of XXXX XXXX XXXX. However, according to the Texas Secretary of State National Credit Systems does not have a bond for the state of Texas to collect debt. National Credit Systems is attempting an illegal practice of collecting debt in the state of Texas.
Consumer complaint received 2019-10-29
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. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. 

This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Consumer complaint received 2018-01-13
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. (CA)

There was a XXXX XXXX XXXX Student Loan which I took out on X/XX/2013, which was paid in full. 

Status : Paid in Full Owner : XXXX XXXX. XXXX XXXX. 
Grantor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX This account which is paid in full and closed is incorrectly reported as Delinquent and 120 days late through Equifax.
Consumer complaint received 2017-07-30
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc. (TX)

According to my credit reports from XXXX, XXXX, & XXXX, ProCollect is attempting to collect debt on behalf of XXXX XXXX XXXX. However, according to the Texas Secretary of State ProCollect Inc does not have a bond for the state of Texas to collect debt. ProCollect Inc is attempting an illegal practice of collecting debt in the state of Texas.
Consumer complaint received 2018-01-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (OH)

I am Demanding a re-investigation with XXXX account # XXXX that is listed wrong on my credit profile this account has the wrong balance and has been paid in full. This account is not accurate error please delete. FCRA 611 ( 15 U.S.C. 1681I ) The account is settled in full and need to be removed the information is incorrect on my credit report.
Consumer complaint received 2017-07-29
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. (NY)

I have been disputing with equifax credit reporting agency an account that is reporting on my equifax credit report that is completely wrong. I have been disputing this for months now and very fustrating nothing is being corrected. However XXXX and XXXX have corrected the situation and finally fixed it and deleted it off my report. The account is XXXX XXXX XXXX XXXX in the amount of {$860.00}. This is absolutely wrong. I have multiple loans with XXXX XXXX XXXX XXXX that were combined loans and were paid. This {$860.00} if part of the {$6600.00} loan I had with XXXX XXXX XXXX XXXX. It is reporting as delinquet and as a seperate loan. Again this is completely incorrect. I had disputed and requested that this {$860.00} be deleted off my report. XXXX and XXXX  did there investigation on this and the bank responded that the {$860.00} was to be deleted ( which it was ) however equifax is not doing a proper investigation or they would have received the same response and corrected the problem and removed it off my report. I spend countless hours and days trying to resolve this problem as I do not want wrong information that is untrue reporting as it is affecting my credit score and credit worthiness.
Consumer complaint received 2022-03-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Per my rights as a consumer under FCRA and Section 15 USC 1681 I did not give permissible purpose nor did I give my written consent for the accounts to be published on my report. I also did not give written consent for my accounts to be sold to a third party, under 15 USC 1681 and as a consumer per federal law the accounts listed have violated my rights and must be removed. The accounts to be removed are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX