davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-12-13
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SYNCHRONY FINANCIAL (CA)

Early last year XXXX 2019 ) I was sent to an XXXX  XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX and my XXXX XXXX resulted in my being sold a XXXX XXXX I was told I could return the device and receive a refund if I had a problem. Synchrony Bank financed the purchase. I have had several accounts with this company in the past for Care Credit XXXX XXXX, XXXX XXXX XXXX, and a mattress company. I go to Synchrony 's website and all the accounts are posted and they send me a paper bill for each account every month. 
When I got the XXXX XXXX I expected to receive a paper bill and to see the account on line, which has been how I pay these bills. Until now I never had a problem. They never sent me a bill for the XXXX XXXX, they never listed the relevant account online. I waited for about XXXX months and finally, frustrated, I found a place on the website where I could pay " another company '' so I did that and was told it was wrong. I asked repeatedly for a paper bill, got no where and became really frustrated that the bank was so dysfunctional and unresponsive. I chose to return the XXXX XXXX and everything I had received with it. I told the bank I expected a refund. At this point they began to send me a paper bill but the account never appeared online. 
They continued to bill me. I continued to not pay them for something I no longer possessed. Finally, last year I reported them to the Attorney General of the State of California. Then I got a response. I called them on the phone and a clerk appeared to make sense of the mess and told me to expect to continue receiving bills for a little while, they wouldXX/XX/XXXXout the balance and to not worry about it, I did not have to pay anything. They refunded the money already paid by crediting another of my accounts. I thought I was done with the problem. The bills saying that nothing was owed continued to come for several months and finally bills began to appear that claimed I still owed the balance and demanding a monthly payment as well as late fees and all the rest of the XXXX typical of a credit card bill. I politely declined and ignored the bills. Now they are sending me demands by certified mail and the bills claim I owe money I do not in fact owe as I returned the object originally purchased for the refund I was promised.
Consumer complaint received 2020-12-13
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (WA)

Dear Sir or Madam, I have been using MoneyGram service to send money to my family in XXXX for many years. 
Two months ago their the Web site asked me to submit my ID. I did, even though I don't feel very good about sending my ID to nobody knows whom. For unknown reasons, my American Driver 's license was not good enough for MoneyGram, they just declined it without any explanation. 
I called Customer Service, they were not able to explain to me what happened, and just keep asking me to take pictures of my ID again and send it to them. I did. Again, it wasn't good enough, so I have received an email about my account being terminated! Once again, no explanations offered.

I called Customer Service again, they reset my account, and then - correct, the same story again and again.

I just sent my ID photos again ( for the 4th time ), and
got same response.

I doesn't seem possible to figure this out with MoneyGram customer support, so I was hoping someone smarter could take a look at this situation. I am out of means to resolve it on my own. 
Thank you for your care, and have a great day
Consumer complaint received 2023-04-10
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC (PA)

I received the following message from debt collector for an address I never lived at or owned : Important message about your XXXX XXXX XXXXXXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX National Recovery Agency is a debt collector attempting to collect the debt you owe to the creditor listed in this communication. We will use any information obtained from you to help collect the debt. 

We previously sent you a notice of your validation rights under the Fair Debt Collection Practices Act. You may still have time to exercise those rights. 


Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$150.00} If you do not dispute the debt, please send your payment to the address below or go to XXXX XXXX your NRA ID # is XXXX National Recovery AgencyXXXX XXXX XXXXXXXX Email XXXX A XXXX XXXX XXXX XXXX  To stop receiving text messages reply STOP
Consumer complaint received 2020-01-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC. (FL)

On XX/XX/XXXX I received a notice of a credit reduction from XXXX XXXX. The bank cited a derogatory public record or collection filed as a reason for reducing the credit limit. As a result, I checked my credit report and found that a derogatory collection was filed by XXXX XXXX XXXX for {$100.00} on XX/XX/XXXX. I have never done any business with XXXX XXXX and believe this a predatory and fraudulent collection attempt. 
Please be advised that this has happened to me before. In XXXX, I filed a complaint with you ( # XXXX XXXX for a similar incident. The complaint resulted in the removal of the record. 
Now I believe this firm is baiting me to collect a larger sum and I am turning to you to correct it and penalized them if the law provides.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NJ)

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2023-04-08
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY (NJ)

My car was used without my permission! *unauthorized*. Now I can not pay my bills this is very unfortunate and has me facing eviction!!! I am a loyal consumer please help me they cant hold my money I AM FACING EVICTION WITH A XXXX XXXX XXXX
Consumer complaint received 2020-12-13
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. (OH)

This is the third time I have requested Notice for Proof of Claim for Accounts XX/XX/XXXX # XXXX, XXXX XXXX XXXX XXXX. This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void.
Consumer complaint received 2018-10-05
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Yes I open this account XX/XX/2008, my card was fraudulent use in another state that thus credit card company, contacted me that my card had fraudlent activity. so capital one closed my account. and i agreed to pay my part where i had made purchased, on this card.and i conitued to pay what i owed. then capital one raised my interest rates. on what i had used my card. i have been paying my account everymonth as i should. last month capital one charge me a annual fee on this closed account. this was just a slap in my face by this company. i seek a attorney. and was told this was agaist the law. this account has made my life and credit upside down, I was told also that i was being charge for a XXXX dollars cash advancement. over 10 years. the capitalone crdit card company has continued to charge my account now for over 10 years. this is ridiculous. can youplease help me.
Consumer complaint received 2022-01-19
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. (IN)

I am writing this letter out of pure frustration and anger. For the last two years I have been disputing incorrect late payments on my credit report from all 3 credit agencies. They have continuously ignored the errors of late payment history to only update the accounts as paid and closed. Their own credit report shows the inaccuracies in payment history and supplier remarks. These accounts have been paid and closed since XXXX of XXXX. Most of them are more than 6 years old. The incorrect late payments have re-aged this account and caused severe damage to my credit file and score for over 4 years. 

Here are just some of the errors being reported by all three bureaus : XXXX. Incorrect start date. XXXX. Incorrect last verified date. XXXX. Incorrect last payment date. XXXX. Incorrect closed date. XXXX. Incorrect account status. XXXX. Account number is not visible and complete. XXXX. The creditor name is abbreviated. XXXX. The supplier/creditor information is incorrect. XXXX. Late payment history is physically impossible. XXXX. Remarks shown of late payment information is impossible. These accounts need to be deleted from my credit file at once. 

I have attached copies of the most recent disputes I have sent to each agency, I have also attached their responses or lack thereof. XXXX has continued to update comments with paid and closed while ignoring the late payment history errors. XXXX has completely ignored my dispute and has never responded to any dispute. Equifax has deleted all but one of the incorrect late payments and ironically left one showing 120 days late, with the month prior as showing current. I have attached screenshots of how they continue to report these accounts inconsistently and inaccurately. 

I would appreciate that this bureau actually enforces the FCRA in concern of this matter. The only resolution is deletion. I have spoken with the supplier on XX/XX/XXXX and they have assured me there are no late payments they are reporting to any reporting agency. Unfortunately since that phone conversation they are no longer servicing these accounts and havent since XX/XX/XXXX. Any response given by the agencies stating these accounts were verified in XX/XX/XXXX is a flat out lie.
Consumer complaint received 2018-02-21
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. (TN)

XXXX XXXX XXXX Credit Card. Charge off date of XX/XX/XXXX. XXXX from XXXX XXXX XXXXXXXX to claim absolved debt as income for XX/XX/XXXX taxes. Form from XXXX XXXX XXXXXXXX was created XX/XX/XXXX.  Currently claiming a limit on account of {$13000.00} and a balance of {$15000.00} on XX/XX/XXXX. Have filed disputes 2 separate times through XXXX XXXX and gotten no resolution.
Consumer complaint received 2024-03-04
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2022-05-02
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc. (OH)

I'm disputing this account. I'm asking for them to prove 100 % verified or validation. So I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof I'm asking for. 
*Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally They are saying it is verified but where's my proof? What methods are you using to verify?
Consumer complaint received 2022-01-19
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. (IN)

I am writing this letter out of pure frustration and anger. For the last two years I have been disputing incorrect late payments on my credit report from all 3 credit agencies. They have continuously ignored the errors of late payment history to only update the accounts as paid and closed. Their own credit report shows the inaccuracies in payment history and supplier remarks. These accounts have been paid and closed since XXXX of XXXX. Most of them are more than 6 years old. The incorrect late payments have re-aged this account and caused severe damage to my credit file and score for over 4 years. 

Here are just some of the errors being reported by all three bureaus : XXXX. Incorrect start date. 2. Incorrect last verified date. XXXX. Incorrect last payment date. XXXX. Incorrect closed date. XXXX. Incorrect account status. XXXX. Account number is not visible and complete. XXXX. The creditor name is abbreviated. XXXX. The supplier/creditor information is incorrect. XXXX. Late payment history is physically impossible. XXXX. Remarks shown of late payment information is impossible. These accounts need to be deleted from my credit file at once. 

I have attached copies of the most recent disputes I have sent to each agency, I have also attached their responses or lack thereof. XXXX has continued to update comments with paid and closed while ignoring the late payment history errors. TransUnion has completely ignored my dispute and has never responded to any dispute. XXXX has deleted all but one of the incorrect late payments and ironically left one showing 120 days late, with the month prior as showing current. I have attached screenshots of how they continue to report these accounts inconsistently and inaccurately. 

I would appreciate that this bureau actually enforces the FCRA in concern of this matter. The only resolution is deletion. I have spoken with the supplier on XX/XX/XXXX and they have assured me there are no late payments they are reporting to any reporting agency. Unfortunately since that phone conversation they are no longer servicing these accounts and havent since XX/XX/XXXX. Any response given by the agencies stating these accounts were verified in XX/XX/XXXX is a flat out lie.
Consumer complaint received 2018-10-20
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Global Portfolio Recovery, LLC (NY)

this company called XXXX XXXX keeps call numerous times a day for a person i do not have contact with. i have told they numerous times to please stop calling even tried to get a supervisor to remove my number but they still call non stop i had my phone disconected for 2 week because of the endless harassment and as soon as i turned the phone back on they called within 5 minutes. i am considering legal action if this does not work.
Consumer complaint received 2020-12-13
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)

Equifax was made aware that they were violating 15USC A 1681 2A ( i ) & 15 USC 1681b ( 2 ) with previous affidavits. After further investigation, I as the consumer discovered there are 90 Inquiries still appearing on my report from XX/XX/XXXX to XX/XX/XXXX.
Consumer complaint received 2018-10-05
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: World Omni Financial Corp. (OH)

With purchase of a new vehicle I was swindled into trading a XXXX XXXX XXXX into one of this corporations dealerships. I will not quote the trade in amount but I have excellent credit and still this company can sit on their conscious with interest rates for loans in the 6 % range. This company 's interest rate for vehicle lending is astronomical and this is only a suggestion but stay far away from this company if you want to avoid being swindled! 
On top of the Purchase for this XXXX XXXX XXXX my vehicle which is brand new did not come with a vehicle jack to change spare tires, and when brought to dealership attention they dismissed through tire in back of truck and treated customer insanely rude.
Consumer complaint received 2021-03-30
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P. (NJ)

Dear Madam/Sir, CFPB : Please note that the debt collector keeps sending me letters since : XX/XX/XXXX XXXX and I did respond to all this letters, one letter at the time and before 30 days as per federal Laws. Collection agency wants to collect : XXXX, from an unknown credit card that its not mine and does not belongs to me. The last letter I received from the debt collector was on : XX/XX/XXXX. And I answered the letter on : XX/XX/XXXX. I requested one more time the fallowing legal documentation : 1 ) The Original Application when this unknown credit card was opened, with original signature on the application. 2 ) My Lawyers need original copies of all the Statement from the yearsXXXX, and XXXX, as per Federal Laws. 3 ) My lawyers requested copies of, ALL the purchases, charges, done from : XXXX to XXXX, of this unknown credit card. 4 ) As A client I need ALL the bills and/or receives of this unknown credit card. Also on, XX/XX/XXXX. My Lawyers send the debt collector an AFFIDAVIT. I Respectfully request ALL the above legal information. ITS THE LAW. Thank you for your anticipated courtesy and cooperation in this important matter. Respectfully yours : XXXX..
Consumer complaint received 2022-05-02
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: Fidelity National Information Services, Inc. (FNIS) (GA)

There is someone in XXXXXXXX XXXX XXXX XXXX that keeps using my social security number. Ive had it removed and freezes put on my reports but his information keeps popping up using my social security number. Ive contacted the police, credit bureaus, and all. He has a lot of names and addresses connected to him and his address. I live in XXXX
Consumer complaint received 2018-02-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LendUp Loans LLC (TX)

In XXXX of 2017, I was significantly affected by Hurricane Harvey. This tragedy left my family and me homeless for a month and a half and during the majority of the time, I had no access to a phone, Internet, or other communication sources. Additionally, I lost my job due to the hurricane and was unable to make payments on some of my credit card accounts. I was unable to reach out to companies as I didn't have the means to do so and, frankly, it was not a priority of mine. Knowing that I was affected by the hurricane, these companies still reported late payments on my account, which I feel to be disrespectful as I was going through a struggle. 

After I was able to move back home, I got a job and was able to start making payments on my accounts. In XXXX of 2017, I sent goodwill letters to companies explaining my situation. The majority of them did not agree to remove the payments. I am not contacting you all to see if this issue can be resolved. 

I tried to get this issue resolved already by contacting the company directly and submitting a complaint to the XXXX directly. Both of those were unsatisfactory and I would like other entities to investigate this matter, if possible. I have documentation from a representative of XXXX   stating that the late payment was refunded, therefore implying that the late payment is inaccurate and needs to be removed from my credit report immediately. Additionally, I contacted the company to be informed of their relief efforts of victims of Hurricane Harvey and was not given a direct answer. This is not proper customer service. 

Finally, their response of saying that they are unable to remove it is blatantly false and should be investigated. I have had other credit card companies able to remove the payments from the reports, so them saying they are unable to modify is incorrect. Please investigate this company and my matter to the deepest extent possible.
Consumer complaint received 2018-03-12
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Credit Control (MA)

I had an XXXX at XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. I thought my insurance had covered everything. I never received a bill from the XXXX location. 

In checking my credit report online in XX/XX/XXXX, I saw an unknown debt to a " Continental Credit Control ''. I called XXXX   to dispute when they informed me that it was related to an XXXX. I called the XXXX location and they told me the debt had been sent to the collection agency Continental Credit Control. I never received any phone call or notice in the mail from the collection agency either that that there was an outstanding amount owed. 

My frustration is that the original bill was only {$190.00}. I have worked hard my entire adult life to have a stellar credit score.  Now at age XXXX, when I am finally close to buying a property for the first time, I learn that my credit score has been negatively affected by a bill I knew nothing about and would have paid promptly had I been aware. 

I find it outrageous that the XXXX location and the debt collector can take all these actions that negatively affect me in such a profound manner without ever confirming that I even knew I owed the money. Shouldn't someone have at least called me? Or sent certified mail?