davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-08-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Financial Corporation of America (TX)

I have an agreed to payment plan with XXXX XXXX  XXXX that I have been paying on time every month. They wrongfully sent me to collections in XXXX XXXX. When I logged on to pay make my XXXX monthly payment, it said that I had a {$0.00} balance due and there was no way to make a payment ( attached in documents ). Shortly after I received letters from Financial Corporation Of America saying that I had been sent to collections and I needed to pay my balance in full. I contacted XXXX XXXX XXXX who assured me this was a mistake and said they fixed the account and it was taken out of collections and I was just to resume my normal monthly payments in XXXX. I requested a confirmation of this in writing from XXXX XXXX XXXX who refused to provide any documentation.
I sent a certified letter ( tracking and receipt in documents ) to Financial Corporation of America disputing the debt and providing documentation showing my account was active and payments were being remitted on time. In addition, I also contacted them to explain the situation. They told me XXXX XXXX XXXX had not informed them that my account was not past due and therefore should be removed from debt collections so they were going to continue to contact me to collect payment unless XXXX XXXX XXXX called them. They refused to call XXXX XXXX XXXX and confirm with them. I contacted XXXX XXXX XXXX AGAIN, asking for assistance. They assured me my account was not in collections and it showed that way in their system so according to the rep that was helping me " that 's all that matters and it does n't matter what the debt collection agency says ''. I refuted this and said I was concerned this would be reported to the credit bureau if not resolved in a timely manner and the rep said they would have their manager call over to the debt collection agency but it was probably just a lag in their system getting updated and I 'd have to wait a week. I AGAIN requested something in writing from XXXX XXXX  XXXX as confirmation that my account should be out of collections so I could forward that to the debt collection agency and they refused. The Financial Corporation of America debt collection agency has continued to contact me to collect payment and XXXX XXXX XXXX is still refusing to resolve this matter or provide any documentation that it has been resolved despite the fact that I 've made 2 payments to them and my account is up to date. I am at a loss and beyond frustrated at the amount of time I 've spent trying to fix XXXX XXXX XXXX 's mistake and their refusal to help while happily taking my money every month. Please help.
Consumer complaint received 2023-05-31
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. (OH)

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX XXXXXXXX Balance : {$5400.00} ; XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX Balance : {$2400.00} ; XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1800.00} ; 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
Consumer complaint received 2019-10-22
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)

Attempted to remove this fraudulent account before to no avail even after i submitted documents and ask for proper proof of methods used in this investigation and now i have gotten the XXXX police as well as the FTC involved with there own Identity theft fraud report.
Consumer complaint received 2019-11-01
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. (PA)

Equifax has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine XXXX XXXX not mine XXXX XXXX XXXX {$230.00} not mine
Consumer complaint received 2017-08-11
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. (MO)

On or about XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX began reporting inaccurate information regarding my bank account through XXXX XXXX XXXX XXXX I overdrafted my account and bank had permitted me to settle via a payment arrangement or fresh start program my account therefore was pursuant to FCRA in good standing in as much we had reached an agreement I have NO issue with XXXX XXXX  only with XXXX XXXX XXXX XXXX XXXX innacuratley reporting and still as of today XXXX showing i owe this amount on my Equifax report although XXXX XXXX advised them and they promised they would take it off my report.
Consumer complaint received 2020-05-22
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: Experian Information Solutions Inc. (NY)

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX/XXXX, XXXX XXXX, XXXX, XXXX
Consumer complaint received 2018-06-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peterson Enterprises, Inc. (AZ)

In preparing to apply for a mortgage, I discovered a notice of collections on my XXXX  credit report for {$770.00}. The collections agency was XXXX XXXX XXXX in XXXX XXXX, Washington. 

I attempted to contact the company via their online contact form on XX/XX/XXXX and received no response as ofXX/XX/XXXX. I have also contacted the collections agency via telephone today ( XX/XX/XXXX ) and  they couldn't find any debt in my name or with my date of birth. They also confirmed that it was my social security number on the account and nothing else. 

I discovered via XXXX that the collections was for debt owed to XXXX XXXX. I have never done business with this company and do not owe them money. Upon contacting XXXX, they confirmed that they had no record of me as a customer. There was an account opened using my SSN, but not my name, date of birth, or address. I do not now, nor have I ever lived in the state they service. 

It seems highly irresponsible to report a debt on my credit report that does not match my name, date of birth, state of residence or any other information other than SSN.
Consumer complaint received 2021-04-27
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

I called to inform the credit reporting agency that there were inquiries appearing on my credit report as a result of the TransUnion inquiry issue that was incorrect and should be removed. The agent said he couldnt assist me with this despite it being an error on their part.
Consumer complaint received 2023-05-31
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. (AZ)

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX Balance : {$30000.00}, XXXX XXXX XXXX XXXX : {$2100.00}, XXXX XXXX Balance : {$600.00}.
Consumer complaint received 2023-08-05
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Blitt and Gaines, P.C. (IA)

Blitt and Gaines has two civil suits against me in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was only served the Original Notice for one of the cases. In the case I was served papers on, Blitt and Gaines is representing XXXX XXXX XXXX. XXXX XXXX XXXX is representing XXXX XXXX in the other civil case against me. I was not served an Original Notice or paperwork of any kind for that case.
Consumer complaint received 2024-05-15
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY (VA)

I was notice last week on Friday that my card was lost. Or stolen. 
Last Monday, I visited TD brunch XXXX XXXX XXXX, NC XXXX They did not provide me new card, they said firstly yes we will, lastly no we will not. I had to stand at the cashier register proximally XXXX minutes while he and his colleague like laughed at me. Yes we fill the fraudulent dispute + XXXX $ dispute from XXXX. I show proofs of transaction error when paid XXXX $ online. He did not take it. 
My limit for overdraft was XXXX XXXX grace period next business day. 
So fraudulent charges all from XXXX posted on XX/XX/XXXX, XXXX $ up to XXXX, XXXX, XXXX, XXXX ( XXXX ), then XX/XX/XXXX, XXXX charges of the same amount of XXXX. 
HOW THEY ALLOW OVERDRAWN MY ACCOUNT UP TO XXXX $? If my limit was XXXX $????????? 
After 1 day they decide that no error was occurred, we have send you a mail. Ok, where is the proofs? 
The response that I used chip online?????? What?? 

Incompetent employees at brunch probably include XXXX $ in fraudulent claim. 
No, XX/XX/XXXX, transaction from XXXX XXXX $ is not fraudulent. I have proofs that transaction did not go true. 

Some kind of circus not a BANK!
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL (NY)

I wrote to XXXX XXXX to ask them to validate their claim that I owe them for this bill. They are not the original creditor and failed to provide a bill of sale and the original contract is with the original creditor. They failed to provide me with a bill of sale. 

XXXX XXXX is reporting on my credit file with all 3 credit bureaus that I opened an account on : XX/XX/XXXX, This is false. The original creditor is already reporting this debt. 


Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 SYNCHRONY BANK XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2018-09-18
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P. (NY)

I wrote to XXXX XXXX to ask them to validate their claim that I owe them for this bill. They are not the original creditor and failed to provide a bill of sale and the original contract is with the original creditor. They failed to provide me with a bill of sale. 

XXXX XXXX is reporting on my credit file with all 3 credit bureaus that I opened an account on : XX/XX/XXXX, This is false. The original creditor is already reporting this debt. 


Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2018-09-18
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Neon Newco Corporation (OH)

On XX/XX/XXXX I purchased a bike from XXXX XXXX XXXX in california. On XX/XX/XXXX I contacted XXXX  XXXX XXXX and requested a full refund. They told me by email that it would take 24 to 48 business hours to process. Than I got another email saying that it will be 7 to 10 days. I waited than I co tacted netspend and they informed me that they didnt receive the right information to release my funds. So I got what they needed and contacted XXXX  XXXX XXXX. They said we have sent numerous emails and faxs to the company. Finally on XX/XX/XXXX my fiance called netspend and spoke to a supervisor and did a three way call to XXXX XXXX XXXX and had a supervisor on the line ... the netspend people told XXXX  exactly what to do. XXXX said they have done this so many times and will do it one last time. Unfortantley, i received an email that says the documents we received was not an approved document. My fiance called netspend today, 3 weeks later and netspend customer service said the document is being reviewed ... .I ont understand why they just cant contact each other via phone and take care of this matter once and for all.
Consumer complaint received 2018-09-18
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. (TX)

XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have been completely ignored by these companies when it pertains to my rights as a consumer so concerning my credit so I decided to file ANOTHER COMPLAINT to provide that my rights are being violated. I am no longer able to file disputes on their websites so I have to send all of my disputes in to Experian, XXXX and XXXX. This account as been disputed mulitple times for inaccuracies and ALL 3 BUREAUS HAVE MULTIPLE -INFORMATION THAT IS INACCURATE AND UNVERIFIED. Yet they have all said that in previous disputes where I have certified reciepts that this was verified as accurate. Did they all contact different companies? 
-DOFD IS NOT CORRECT. 
NO HIGH BALANCE OR INACCURATE AMOUNT XXXX EVEN HAS A MONTHLY PAYMENT REPORTING ON AN ACCOUNT THEY ARE REPORTING IS SOLD TO ANOTHER PARTY. 
LAST PAYMENT RECEIVED IS ALSO INCORRECT.
Consumer complaint received 2022-08-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION (ID)

I was sent a Notice of Deficiency from the IRS ( Notice # XXXX ) that stated I had undeclared income via Cancellation of Debt from Capitol One on XX/XX/XXXX, account number XXXX, for {$1400.00}. 

I called Capitol One on XX/XX/XXXX and spoke with XXXX XXXX @ XXXX, Employee Number XXXX. She stated that she looked through their records and I have never had a Capitol One account under the above account number.
Consumer complaint received 2021-02-23
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. (VA)

Remove the frauds Alerts And inquiries from my credit profile. 


I never asked to have a fraud alert placed on my credit profile. I only asked That the following unauthorized inquiries be removed from my credit profile!!!! 

REMOVAL ALL FRAUD ALERTS FROM MY PROFILE!!!!!! 
IT IS HURTING MY CREDIT I CAN NOT USE MY CREDIT CARDS!!!!!! 


remove the following inquiries from my credit profile Hard Inquiries XXXX XXXX bod XXXX ss # XXXX
Consumer complaint received 2020-05-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

XXXX XXXX is incorrectly reporting missed payments, contrary to the Cares Act, passed in response to Covid-19. My credit score has dropped drastically, at no fault of my own, effecting my ability to conduct business during a pandemic.
Consumer complaint received 2017-07-06
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: Total Card, Inc. (MD)

I have contacted the credit card company on several occasions. OnXX/XX/XXXX I submitted for the 3rd time my fraud information showing identity theft. I submitted a identity theft report, drivers licence, social security card, police report, and address verification. I have sent letters requesting information on the account. I never receive documents in the mail. I have had to call over and over. The last time I called in XX/XX/XXXXI was informed that they were not going to close the accounts as identity theft because the thief tried to keep the accounts open. No payments were made. I once again stated that I am not the one who opened the account nor do our names match. Now there are several accounts. 2 fromXX/XX/XXXXand one fromXX/XX/XXXX that were opened using a fraudulent name. And even after providing all documentation the company has never responded to me in writing nor fixed the problem. I also disputed the accounts with the credit bureaus only to receive the response that the credit card company needed me to reach out to them because they were unaware of the fraud even though it has been documented for months!
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I am attaching all documentation that was sent and verified as received by the company yet they refuse to act on this!
Consumer complaint received 2023-05-31
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. (TX)

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has 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 2020-11-12
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. (GA)

( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX  XXXX  XXXX XXXX GA XXXX XXXX XXXX XXXX {$4800.00} XXXX XXXX XXXX XXXX {$810.00} XXXX  XXXX  XXXX {$13000.00} XXXX XXXX XXXX  XXXX XXXX {$10000.00} FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report.
Consumer complaint received 2023-05-30
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: SYNCHRONY FINANCIAL (TX)

I received a letter in the mail for synchrony home issued by synchrony bank. I have not personally applied for any products or services through this company. I went in to buy a product from a conns and was told that my credit would be pulled for the application. I was unaware of my credit being pulled a few times in order to receive a product. I was not notified by the employee. However, after contacting synchrony home I discovered that my credit had been pulled a few times resulting in the letter I received in the mail.
Consumer complaint received 2024-03-18
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE (CA)

Barkley 's ran a credit check without my authorization. i called them and they said it wasnt in their system, but it did report on my credit report. i have never applied for credit from barkley 's
Consumer complaint received 2023-01-30
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: Experian Information Solutions Inc. (PA)

On XX/XX/XXXX, I went on experian.com to check my credit report and found a credit card account and an address that was not mine. I called them to file a dispute to remove them off of my credit report. An investigation was initiated and processed with XXXX XXXX and XXXX as well. On XX/XX/XXXX, XXXX completed their investigation and XXXX XXXX completed theirs. Experian also completed their investigation today XX/XX/XXXX. XXXX XXXX was able to remove the credit card from my report. Unfortunately, Experian and XXXX are still keeping the credit card on my report saying that everything was verified but I never verified anything and I never owned any credit cards nor have I applied for any. Experian also removed the address that wasnt mine from my account information but the issue with the credit card still remains. My credit report is frozen and locked so that no one can have access to my information. There should be nothing on my credit report but the closed accounts I have from student loans.