davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

Experian needs to remove this account from my credit file. XX/XX/XXXX and XX/XX/XXXX has already verified that neither of these accounts belong to me and have been removed. I was a victim of identity theft, I've been fighting for years to get my credit back on track. I have written letters filed police reports and Experian is the only one who as yet to take these accounts off my file. this person has absolutely ruined my life opening accounts, cards, bank accounts and loans. I truly believe this was a family member. In 2014 I did not have a income to open new accounts. This person paid on accounts over time continued using my credit then stopped. I've reached out to the creditors and Experian with the police reports, copies of my lease showing where I lived at the time these accounts were opened, letters that this is a violation of the fair credit reporting act and I have been ignored, yet XX/XX/XXXXandXX/XX/XXXX verified these don't belong to me. 

XX/XX/XXXX for the amount of {$2500.00} opened XX/XX/2014 XX/XX/XXXX in the amount of {$15000.00} opened XX/XX/2014XX/XX/XXXX in the amount of {$4100.00} opened XX/XX/2014
Consumer complaint received 2017-12-19
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. (MO)

XXXX, Equifax and XXXX has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX.

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve.

Waiting for your reply.

XXXX XXXX XXXX
Consumer complaint received 2021-05-08
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credence Resource Management, LLC (FL)

I got many harassing phone calls from this company which I assume is a scam. After doing much research I see that they gained access to XXXX XXXX, XXXX XXXX XXXX customers information who have small amounts owed ( which have not been sent to collections ), along with the customers personal information, addresses and phone numbers- so they call these customers ( like they did to me ) and they say weird things. They wouldn't even tell me who they were they only said " I am calling about a personal business matter ''. First of all.. why wouldn't you just tell me who was calling and what company you work for instead of being so sketchy. He threatened me and told me that If I did not pay him while we were on the phone that my credit would be damaged forever and I would be drained of all my funds. I asked him for detailed information about what I owed and multiples times he kept insisting I pay him and that he will explain in detail after. First of all-no. This made me so angry! I told him I would check into his " company '' and that I did not feel comfortable paying over the phone. So you know what he did next!? He said ok I will give you my website but you HAVE to stay on the phone with me because if you do not pay correctly your funds will be drained and you will ruin your credit. I had had enough at this point. He then tried to convince me that I could pay over the phone with him and it would be " much easier '' and that I didn't even have to give him any credit card information, he just needed my authorization via recording MY VOICE! I was so upset at this point. Not only was I under the impression that this guy already had my card info- he just wanted my verbal " OK '' so that he could take my money. This is just completely unacceptable. He was foreign too. XXXX XXXX has never once sent me a notice saying I owed a balance and so I told this man I wanted to check with XXXX XXXX first. I ended up hanging up on him. I am so sick of this. By the way- If anyone calls you and you finally get them to reveal what " debt collection company '' they are working for and they say it is credencerm ... please call your original TV provider first and verify. These people were extremely rude and threatening.
Consumer complaint received 2021-01-02
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: United Revenue Corporation (TX)

United Revenue Corp is trying to collect a medical debt in the amount of {$840.00} on behalf of XXXX XXXX XXXX. I was seen at XXXX XXXX which files under XXXX XXXX XXXX on XXXX  XX/XX/XXXX. XX/XX/XXXX did not file the claim with insurance as they were supposed to. Insurance information was provided to them on several occasions. I was previously seen at XX/XX/XXXX XXXX XXXX in XX/XX/2016 on the XXXX  and XXXX  which was billed to insurance. So there is no reason as to why they are choosing to not to have filed this claim with insurance as they should have done. It is now negatively affecting my credit.
Consumer complaint received 2021-05-08
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Selip & Stylianou, LLP (NJ)

I take no responsibility for this debt! It is unknown to me. 
This company has been sending correspondence to me from at least XXXX threatening wage garnishment for a debt ( again that I did not incur ) that according to their paperwork dates back to XXXX! That is past the statute of limitations if read the law correctly. I have a fine relationship with the bank they are claiming to represent and there is no evidence of this account on my credit reports. 
Each time they send me a letter I reply back not just to them but to the county clerk via certified mail which is costing me my hard earned money. 
I received letters from Selip & Stylianou in XXXX XXXX, XX/XX/XXXX and most recently XX/XX/XXXX in the amounts of {$6700.00}, {$7000.00}, and {$6900.00} respectively.
Consumer complaint received 2021-05-08
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION (FL)

Capital One was paid off on XX/XX/XXXX. They sent me an email congratulating me on payment in full then reversed the payment back to XXXX XXXX XXXXXXXX buyers account. Capital one refuses to fix the issue and says I owe them more money now even though they waited until after an extra payment was due to accept pay off. They refuse to allow me to payoff my vehicle.
Consumer complaint received 2020-10-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY (NY)

# XXXX XXXX complaint submitted two months ago to XXXX and American Express XXXX does not provide address of customer service in XXXX and refused info after many requests. 
I submitted telephone numbers to cfpb if not sufficient, forget XXXX and send this message to American Express to resolve issue
Consumer complaint received 2021-12-04
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc. (SC)

I received an alert stating I C systems has placed an collections account on my credit report seeking XXXX for an XXXX XXXX XXXX account that was opened on XX/XX/2021. I've sent several letters requesting the account be verified with a contract bearing my signature, a copy of my drivers license and any other legal documents proving the account belonged to me and not a bill. at this time they've failed to respond.
Consumer complaint received 2021-04-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (NC)

I recently checked my credit reports and have noticed there has been a string of hard inquiries spanning from XX/XX/XXXX to XX/XX/XXXX. I have no idea where these inquiries have come from. Upon reaching out to the credit bureaus, I was instructed to initially contact the " request originator '' ( company who pulled my credit ). Upon doing so, I was informed by the companies that there was no record of my application. I was also told by the " request originators '' that the only course of action I had was to reach out the credit reporting agencies. I have since then, reached back out to both Equifax and XXXX  to inform them of this update, only to be met with the statement " there is nothing we can do until you call them ''. After repeated communications with the Equifax and XXXX informing them I had already spoken with the " originators '' I was left with no resolve, I have decided to contact the consumer finance division in order to gain assistance in having the erroneous hard inquiries removed from my credit profile as this is potentially effecting my employment.
Consumer complaint received 2020-09-08
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. (FL)

XXXX I just turned XXXX about 2 weeks ago I went to apply for anew XXXX and was denied due to my credit the report stated I have loans and a Mortgage This is not true I live at home and I attend school and will be attend college next year please help me clear this up my. Future depends on
Consumer complaint received 2021-12-04
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc. (TX)

I had a loan with Dovenmuhle and they agreed on a forbearance and loan recalculation to begin in XXXX. In XXXX they transferred the loan to XXXX XXXX who refuses to honor the loan recalculation, and is saying I am in arrears since XX/XX/2021 even though I paid Dovenmuhle
Consumer complaint received 2021-07-16
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: CCS Financial Services, Inc. (CA)

ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX  XXXX XXXX XXXX  {$160.00} XXXX XXXX XXXX  XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} CREDIT COLLECTIONS SERVICES XXXX XXXX XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$560.00} XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$620.00} XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX XXXX {$0.00} I AM A VICTIM OF IDENTITY FRAUD/THEFT THEREFORE, I DEMAND THAT THESE ACCOUNT ( S ) BE CLOSED, BLOCKED, AND REMOVED FROM MY ENTIRE CREDIT BUREAU PROFILE IMMEDIATELY. ANY HESITATION IN REMOVING THESE FRAUDULENT ACCOUNTS FROM MY CREDIT PROFILE WILL RESULT IN LEGAL ACTION TAKEN AGAINST YOUR COMPANY
Consumer complaint received 2018-02-27
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sarma (TX)

Upon checking my credit report in XX/XX/2018, I noticed a collection account names SARMA Collections Inc, stating I owed {$460.00}. Not only did I not receive official notice in the mail, On XX/XX/2018, I sent a certified letter disputing the account until they could verify it. I have delivery /confirmation for the letter dated more than 30 days ago. They have not responded with verification, nor did they let the 3 credit reporting agencies know I was disputing/ this account.
Consumer complaint received 2021-09-08
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY (NY)

In XXXX I had new windows installed in my home. The financing was done through Wells Fargo, who approved me for XXXX worth of credit. I have always paid my bill through my banks " Bill Pay '' option. I have been late minimally, even through a pandemic and a six month period of unemployment last year. 
In XXXX of XXXX my payment was admittedly late. I called and spoke with a Wells Fargo representative named XXXX on XX/XX/XXXX, who said that this fee would be reversed. ( {$29.00} ) She told me said fee would be reversed by XX/XX/XXXX. I called, again, in late XXXX as the fee wasn't reversed from my statement. This time I spoke with XXXX. She assured me that this would be reversed. It was reversed on XX/XX/XXXX. 
However, my payments made electronically through my bank, are taken from my account immediately and sent to Wells Fargo within 24-48 hours. This information was provided to me directly through XXXX XXXX XXXX  this morning, during a conversation with XXXX. XXXX attempted to do a conference call with a representative of Wells Fargo, this morning ( XXXX XXXX, XXXX ) and the representative said that she was unable to do so, as it was a recorded line. (?! ) I spoke with her, and her explanation made no sense so I requested to speak with a supervisor. 
Storm came on the line. I have no idea why this young man is in customer service. He was rude and condenscending. He told me that the original {$29.00} late fee was credited to my balance but because the payment amount that I have been paying monthly ( since the inception of the loan ) didn't match the statement that my late fees, with interest are now {$110.00}. 
This still makes no sense to me, as after my conversation with my bank I think that it's crazy that Wells Fargo is not crediting these funds to my account in a timely manner. Once I hit the submit payment button, the funds are no longer available to me, in my account. 
I took the time to make copies of all of my statements and bill pay receipts as well as the statement from my bank and mailed this all to Wells Fargo on XX/XX/XXXX. I have not yet received a response. 
I am not sure that you will be able to help me but I am so clost to paying off this account in full and I am terrified at what additional fees they will slap on the account before I am able to do so. 
Thanking you in advance for any assistance that you may be able to provide. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Home ( XXXX ) XXXX Mobile
Consumer complaint received 2021-05-25
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Klarna AB (PA)

Klarna rep XXXX reffered a issue of klarna merging a unknown balance on to my account and was told that this required a speacilist team more than 30 days went by and no speacilist had contacted me. Tried to message klarna and was told I was reported to collections. Under the FRCA, and Fair Debt collection practice act. a account balance In dispute does not constitute going to collections
Consumer complaint received 2020-10-27
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: Credence Resource Management, LLC (OH)

After looking over my credit reports, I've noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with this company. The following account is listed below : CREDENCE RESOURCE MANAGEMENT ACCOUNT # XXXX
Consumer complaint received 2021-12-04
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. (PA)

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM 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 XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX XXXX  XXXX
Consumer complaint received 2024-04-02
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc (NY)

Bull City Financial Inc. sent me a bill on XXXX for an ambulance ride that was paid for my insurance. I responded by requesting debt validation and refuting this ( details and attachments are provided in my separate complaint XXXX ). 

I am filing a new complaint for a different reason because they are currently making fraudulent statements that I have been " paid '' by my insurance, which is incorrect. My insurance can confirm that no check has been deposited or cashed for this activity. Part of debt validation includes proving this debt is mine. The company has provided no evidence that the insurance paid me directly - only their assertion and another copy of the original bill. Furthermore, the company falsely stated in their reply that this was in reference to two accounts- the service billed is for the same ambulance ride on the same date, and the company is attempting to collect twice for one service. This is also fraudulent and illegal.
Consumer complaint received 2021-05-25
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc (GA)

I have been banking with Chime bank for over two years. My account was active up until XX/XX/2021 when I received an email in the evening advising me that my account had been closed due to non compliance of deposit agreement. However I just used my account and didnt do anything different for them to close account. There were no fraudulent activities at all. My direct deposit has been coming to this bank the same way over two years. When I contacted customer service I was advised they could not tell me exactly why it was closed but that I was in violation. I have reached out on more than one occasion and to no avail no assistance but they are keeping my funds without an explanation. Please assist as there was no valid reason or violation for my account to be closed without notice or valid reason
Consumer complaint received 2020-10-27
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. (VA)

XXXX XXXX XXXX has reported fraudulent information on my credit report. I have never had any loan, contract or debt obligation to XXXX XXXX XXXX, nor was I given written notification of this fraudulent debt, my right to dispute, and validation of this debt, which I have asked for on two occasions. This is a clear violation of The Fair Debt Collection Practices Act. Despite making this complaint regarding this to XXXX XXXX XXXX, XXXX, XXXX  and Transunion, this fraudulent information still remains on my credit report in violation of Fair Credit Reporting Act. This three inaccurate unverified accounts are wreaking havoc on my credit and my ability to obtain credit
Consumer complaint received 2020-10-27
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. (NC)

The settlement payment of {$210.00} was paid but XXXX  XXXX is still reporting that is a balance. The payment was made on XXXX XXXX then XXXX XXXX reports on the XXXX  i made a payment and still had a balance when they agreed with a settlement payment of {$210.00}
Consumer complaint received 2020-09-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (TN)

I have disputed the bankruptcy on my credit reports because I have been unable to obtain verifiable information from the court or credit bureaus. Every time I sent a dispute to Experian, XXXX, and XXXX  they verified the judgement listed stating that it was verified by the courts. I have a letter nattached from the Bankruptcy court of TN that backs up this information is not true. I demand that this be removed off of my credit report on all three credit bureaus, unverifable information, and fraudulent claims from the credit bureaus on a verified dispute.
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 — Personal information incorrect
Company: LEXISNEXIS (GA)

My correct name is _____XXXX XXXX XXXX My correct address is ___XXXX XXXX XXXX , XXXX, Ga XXXX____. 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. 

Please promptly remove all other names and addresses. These other forms of my name are not correct historical data. Therefore, they must be removed. 

Sincerely, XXXX XXXX XXXX XXXX
Consumer complaint received 2018-02-27
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

On XX/XX/2018, I requested detailed debt validation to Portfolio from which I received no response. A second letter was sent but in the meantime, an attorney 's office mailed me a request for payment stating that Portfolio had contracted them to collect the alleged debt. A second letter has been submitted requesting once again very detailed information as stated by law for debt validation, so far without a response. All of my communication with Portfolio has been certified letter, so I do have concrete proof they are in receipt of my requested detailed information.