davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (AL)

Around XXXX, my husband was scammed by a so-called " tax relief '' service. He paid for part of the fee with our XXXX   XXXX XXXX credit card. The amount charged was {$3000.00}. After realizing it was a scam because no service was provided, he ordered that the charge be reversed. After over a year of dispute with XXXX XXXX XXXX, they finally agreed to honor the reversal for the total amount. A few years later my husband and I divorced. Then I started to receive letters from Portfolio Recovery Associates for the amount of {$3100.00} from XXXX XXXX XXXX and XXXX XXXX XXXX. I asked XXXX XXXX XXXX what this charge was for but they said they can not access that information because it is so old. I don't know what this charge can be for other than the scam tax relief company because after that, we closed that credit card and stopped doing business with XXXX XXXX XXXX. Portfolio Recovery Associates is also trying to collect a charged off amount of {$2700.00} which is also from XXXX   XXXX XXXX. It was charged off in XXXX. Also, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX was found to engage in Unsound, Unsafe, and Illegal Debt Collection Practices in XXXX so I don't consider these debts truthful or valid.
Consumer complaint received 2021-03-02
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: EQUIFAX, INC. (TN)

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Acct # XXXX ... XXXX  AccT # XXXX ... 
XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX Acct # XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Consumer complaint received 2019-05-28
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY (NY)

XX/XX/XXXX - Noon Problem : Both of my American Express Credit Cards were invalid at XXXX XXXX.   Action : Called American Express three ( 3 ) times - no solution, just three ( 3 ) hang ups by three ( 3 ) different individuals. Explanation : American Express wants me to get a letter from the Social Security Administration showing the social security numbers for my mother and I are different. Mother has been dead for nearly ten ( 10 ) years. We never shared a card. I asked why? This is weird! I asked that I be given a letter to bring to social security so that they know what to return to me. No good. Each of the three ( 3 ) reps hung-up on me.
Consumer complaint received 2019-06-01
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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc. (AZ)

I have tried 3 times with Experian to get an account ( XXXX XXXX XXXX  XXXX XXXX XXXX ) removed from my report since the account was closed 14 years ago and should not still be on my report according to the Fair Credit laws and they still refuse to remove it after my last dispute and say it will remain until 2020? This has and still is affecting me being able to buy a house because of their lack of removing the account. 

I already filed a complaint with you guys and you just said that they were still investigating the account and did nothing? They have Finished their investigation so you guys need to take action!!!
Consumer complaint received 2019-06-01
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. (KS)

I have circled page 3 and page 4 of the attachment and XXXX XXXX XXXX must be removed because they admit they are unsure and cant validate the XXXX being reported. My monthly payment is not XXXX either
Consumer complaint received 2018-06-27
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Senex Services Corp. (VA)

This XXXX debt is not legitimate. It is for a charge that was taken care of by my old insurance. I have repeatedly asked for documentation but the hospital closed a couple of years ago and they will not give me any documentation. They continuously call my sister harassing her about this supposed debt that Im not responsible for!
Consumer complaint received 2022-04-02
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ideal Collection Services, Inc. (PA)

I have already disputed this with Ideal Collection- XXXX XXXX XXXX XXXX, XXXX and XXXX on multiple occasions but it keeps getting reopened. This is a fraudulent attempt to collect. I never even lived there. They apparently made up some charges and continue to attempt to collect on fraudulent, phoney, made up charges. 
My superior credit rating has been devalued by over XXXX points as a result and I just cant resolve this fraud issue. 
PLEASE REMOVE THIS FRAUDULENT ACTIVITY FROM MY ACCOUNTS.
Consumer complaint received 2020-07-20
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. (OH)

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Verify with that person my full name, address, date of birth, social security number, status, and amount if any of that information is inaccurate or can not be verified, then entire item is unverifiable. When you finish your investigation, please give me the name, address, and, telephone number of the person at the source you contacted.
Consumer complaint received 2019-06-01
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CITIBANK, N.A. (IN)

I have send mail register company with important message inside the XXXX they I had sent through the company they assumed those the one they calling me every 30 minutes non-stop different number!!, I send the form 1040-v, with the internal revenue form 56 with my ucc-1 file with the state of New York, Treasury with my private security agreement Non Negotiable, XXXX trademark /copyright I am protected under my ucc-1. Those the trying to collect to the own Debtor, Everything is recorded in a public office.
Consumer complaint received 2020-08-21
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. (CA)

XXXX  is incorrectly reporting a paid collection account on my credit report for XXXX or XXXX XXXX  XXXX, a utility company. I have asked them to investigate this and they have failed to investigate this numerous times, and recently reported the same account twice on my credit report causing even more credit damage. This is unbelievable and I am beyond frustrated at there complete disregard of maintain accurate records. This XXXX   account is highly disputed and under litigation - I am currently suing XXXX XXXX   XXXX for this, and now XXXX  has decided to report the same account TWICE??? 
I am adding a copy of my credit report to show XXXX  reporting this same account twice. I demand a full removal of both of these tradelines.
Consumer complaint received 2024-02-22
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

I was reviewing my credit report and I see some inquiries that I do not recognize. Please remove from these inquiries off of my credit report. TRANSUNION, XXXX, AND XXXX PLEASE REMOVE THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2019-06-01
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. (KS)

I have circled page 3 and page 4 of the attachment and XXXX XXXX XXXX must be removed because they admit they are unsure and cant validate the XXXX being reported. My monthly payment is not XXXX either
Consumer complaint received 2024-02-21
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

On XX/XX/year>, I sent letters to XXXX, Transunion and XXXX stating that they had violated my federally protected consumer rights on multiple occasions by publicly disclosing my personal information regarding multiple accounts to my credit report without my written instruction. Both 5 U.S.C. 552a ( b ) and 15 USC 1681b ( a ) ( 2 ) clearly state a credit reporting agency may only furnish and report my personal information with my written consent, which I never gave to any of these agencies. 

On XX/XX/year>2024 I received notification from XXXX that these inaccurate accounts have been removed from my report ( attached is the exhibit showing proof of this ) yet on XX/XX/year>2024 Transunion responded back ( attached is the exhibit showing proof of their response to the same letter as XXXX ) and they did NOT comply with my requests and are in direct violation of my federally protected consumer rights. How is it possible that XXXX can remove these accounts but Transunion can not? Transunion is choosing to directly violate the laws created to protect consumers privacy. 

Additionally, Transunion is now in direct violation of 15 USC 1681 ( e ) ( b ) where they are not taking any reasonable procedures to ensure maximum accuracy of my personal information on my credit report, as it does not match with the reports from XXXX or XXXX. 

It is Transunion 's duty to abide by the laws that allow for consumers rights to be protected, however they are NOT. The public disclosure of my personal information is damaging my reputation and causing me unnecessary emotional and mental stress.
Consumer complaint received 2022-04-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION (SC)

XXXX, XXXX XXXX XXXX XXXX. Do to a data breach I am a victim of identity theft. An identity thief used my personal information without my permission to make the following charges : Capital One Bank - XXXX dollars - XXXX. I have file a compliant with the Federal Trade Commission and IdentityTheft.gov relating to these two accounts. I have mailed both companies the documents F.T.C provided me with. The letters are attached. I have talked to Capital One credit card fraud department XX/XX/XXXX. Capital One stated that they will mail me a letter in concern with this fraudulent account and state that I am not liable for the account.
Consumer complaint received 2020-08-21
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL (CA)

I received a notice from Aamco/Synchrony Car Care dated XX/XX/2020 stating my credit limit was being lowered from {$1000.00} to {$620.00}. The letter also stated they lowered my limit based on a credit score of XXXX and multiple derogatory and delinquent marks on my XXXX  credit report. I contacted XXXX  who stated that at no time did my credit report reflect a credit score of XXXX nor do I have any derogatory marks ( except currently Aamco/Synchrony ) due to their balance decrease.My credit score is XXXX and was XXXX on the date the company claims to have been provided that score. I tried to call and have my credit limit reinstated and was told I would have to take it up with XXXX. As stated, XXXX  stated and provided a copy of my credit score that at no time current or past was my score XXXX. I have had the account for over a year and have never been late on a payment. There was no reason to decrease my credit line, let alone state they pulled my credit report.
Consumer complaint received 2019-06-01
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC (FL)

In XXXX of 2017 after being a loyal customer of XXXX for 14 yrs I decided to cancel the account and switch to XXXX streaming. I sent the equipment back via XXXX as instructed and upon receiving the final bill, I called them direct and paid in full on the phone. 
That payment was made on XX/XX/2017 on my debit card and it shows as paid on my statement along with directly speaking with the bank to verify. 
Now almost 2 yrs later I received a notification on XXXX that there has been a collection activity on my account re XXXX. 
I contacted the collection agency RPM XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX representing XXXX, tried to tell the representative that not only do I not know what this is all about but that my account was in fact settled in full upon cancellation. 
They not only refused to listen to me, they were straight out abusive telling me that they dont care about what I say and that I had 30 days to dispute this and now its my debt. Again, since I canceled and settled this account in full back in XX/XX/2017 I have never received any correspondence from either XXXX or this collection agency. 

Im turning to you for help because I dont know what to do.
Consumer complaint received 2020-08-21
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc. (MA)

Amidst this worldwide crisis that we are facing with all that is going on, this pandemic has been carrying away the livelihood and jobs are affected by it, still, it is very important to me to have a good and positive remark on my report. I have contacted the creditor but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in the loss of credit rating.
Consumer complaint received 2019-05-31
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: Experian Information Solutions Inc. (GA)

I was looking to purchase a home for my family and I went to see my options for purchasing and the lady at the bank ran my credit to see if she can preapprove me and I was denied. I pulled my credit and I see some things on there that are not mine. I have filed a report with the CFPB and my local police. I'm doing this on my own behalf. XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX AND XXXX XXXX. Please remove these items from my credit.
Consumer complaint received 2020-07-20
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. (IL)

Someone in XXXX  and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 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 gave me two letters of release stating the debt wasn't mine XXXX  and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX XXXX XXXX XXXX IL XXXX My name is XXXX XXXX XXXX My phone number is ( XXXX ) XXXX
Consumer complaint received 2019-06-02
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 have disputed the late payments on the accounts for months. The credit bureaus refused to reverse the late payments. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. CFPB please step up and fix this 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, Chapter XXXX Bankruptcy XXXX
Consumer complaint received 2019-05-31
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. (MS)

Upon requesting and viewing my credit file with Equifax ( File # XXXX ) I noticed several errors on my credit report. I have disputed by certified mail with the credit reporting agency ( Equifax ). Here are the errors that I need Equifax to correct. 1. XXXX XXXX XXXX- This account shows past due 120 plus days. This account was set up to be auto drafted from my bank account and was done so. In XX/XX/2018, I received a letter from XXXX XXXX XXXX showing paid in full and the company cancelled the auto draft ( since paid in full ). This account does not have a balance and was never in the history of the account ever paid late. 2. XXXX XXXX- This account is paid in full. 3. XXXX XXXX XXXX This is not my account. I have never done business with the company listed. 4. XXXX XXXX XXXX- This is not my account. I have never done business with the company listed.
Consumer complaint received 2018-06-27
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA (SD)

I was on XXXX last year and because I didn't file 'Married but separate ', they denied me XXXX. So now I'm stuck paying {$610.00} just to see if I qualify for other repayment plans. They won't even tell me unless I make that ridiculous payment. I can not afford that payment since I already pay another private student loan. 

Please help.
Consumer complaint received 2021-03-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Consumer Adjustment Company Incorporated (MO)

I paid a hospital bill that was late and agreed to pay a reduced amount to settle the balance back in XX/XX/2020 ( I have proof in the form of agreement letter ) I made this agreement with Consumer Collection Management. The file was then sent back to the dreditor. For what ever reason the creditor messed up and sent the file to CACI who posted a collection on my credit report which tanked my credit score XXXX points from very good to fair. I went to the creditor and showed them proof that the debt was paid and they apologized and immediately called CACI to inform them the debt has previously paid and it was a mistake and to stop collection and remove from my credit reports. I have since called CACI multiple times and told a XXXX XXXX is handling this and he is on the phone and will call me right back which never happens. I have no other option but to file this complaint.
Consumer complaint received 2024-02-21
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I've consistently upheld timely payments on this account without any instances of lateness. It's perplexing to encounter reports of late payment remarks associated with my accounts.
Consumer complaint received 2022-09-13
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ORG GC GP BUYER, LLC (KY)

GC Services called me this morning about my account with the Michigan State Treasury to pay off back taxes. I made a payment today, but I was about 10 days late. I didn't know they were a collection agency until I googled the phone number. I think they wanted me to believe they were the State of Michigan. The representative was incredibly rude and hung up. I am not sure if they are going to try and ruin my credit or not, but I am NOT behind on my payments, I was just a few days late ; times are hard. I have attached proof that I've made my payments. Please tell GC Services not to ruin my credit, as I am current on my tax account. These guys have already been in trouble for impersonating government officials and making threats. Here 's the link. https : XXXX
Consumer complaint received 2022-09-13
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (TX)

I was job scammed over the course of a week by people claiming to be who they were not on XXXX I was offered a job interview on Monday XX/XX/XXXX as an XXXX XXXX in the video game industry. Over the week we had a legitimate and industry specific phone interview with multiple people. I was offered a job and filled out company pdf 's including my direct deposit info and home address. I was ultimately scammed out of {$1000.00} via XXXX on XX/XX/XXXX to a fake XXXX for a job required XXXX. I was told the company would expense XXXX transfer after being given an invoice from a real vendor, but I didn't know the recipient address for the payment was a scammer 's account " XXXX XXXX ''. I was then harassed a little after I asked the imposters to do a video call, and ultimately blocked by them. 


Wells Fargo Bank told me they could not reverse this transfer despite me opening up 2 claims with them and explaining in great detail the scam/fraud. I had also called immediately after the scam to report it as to not waste any time.