davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-11-10
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC (FL)

Reviewing today XX/XX/XXXX my XXXX XXXX account, I found a collection from Capio Partners claiming {$120.00} from original creditors of XXXX XXXX Hospital. Also, I received a letter from this company Capio Partners dated XX/XX/XXXX about the same claim for a service at the XXXX XXXX Hospital from XX/XX/XXXX. 
I have never been or received any treatment on this Hospital at all. 
Please help to eliminate this collection that is affecting my credit score! 
Thank you very much!
Consumer complaint received 2024-02-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OH)

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXXXXXX XXXX Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/year>XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXXXXXX Date opened XXXX XXXX XXXX
Consumer complaint received 2021-04-02
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (NV)

Hello, I am a single mother and have been constantly harassed by this land lord of XXXX XXXX apartments ( XXXX XXXX ). 

He has harassed me with pay or eviction warning notices on my door mostly monthly even though I paid my rent on time monthly. He has sent me a thirty day notice to quit without cause on XXXX XX/XX/2019 taped to my door two months before my lease ends. Telling me to vacate the premises within thirty days. When I asked him why is he forcing me and children to leave our home and why is he breaking my lease he responded, " I don't owe you an explanation its no cause. I packed up my things and moved as he asked and was moved out of the apartment on XX/XX/2019. I turned in the keys to the apartment and went my way, there were no damages and the place was fine. XXXX comes and I find out they served me and eviction for not paying XXXX rent. 

I was no longer living in the unit they had kick me out. I went to court gave the judge my proof and they closed out the eviction and dismissed the case. The land lord is still harassing me year later with letters and emails saying I owe him money for breaking my lease. He put it on my credit report Fair & Out Collections XXXX XXXX. I don't Owe him anything even the court told me they close it out I don't owe. He doing this on purpose because he is XXXX don't like me and he knows the Nevada doesn't give you a place in your name if you owe any property. 

I really want this removed from my report and for the harassing emails and letters to stop.
Consumer complaint received 2018-01-02
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Roosen, Varchetti & Olivier, PLLC (MI)

I was discharged from chapter XXXX Bankruptcy in XXXX XXXX XXXX XXXX garnished my pay in XXXX. I submitted paperwork of the bankruptcy and the garnishment stopped and a refund was issued. In XXXX XXXX XXXX XXXX garnished my tax return. I submitted paperwork and my tax return was returned to me. XXXX/XXXX/XXXX XXXX XXXX XXXX garnished my pay again. I submitted my bankruptcy paperwork to the attorney for XXXX XXXX in person myself on Wednesday XXXX/XXXX/XXXX when I received paperwork from my employer. The manager was very rude and refused to help me. I have placed several calls to Rosen, Varchetti & Olive PLLC to resolve this matter and I have received no help.
Consumer complaint received 2021-09-19
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. (PA)

I repeatedly keep attaching a receipt of payment to a debt collection and TransUnion doesn't correct inaccurate information. The document is proof of payment but TransUnion continues to ignore the document and report incorrectly.
Consumer complaint received 2019-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (SC)

I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.
Consumer complaint received 2017-09-15
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates (AL)

I have spoken with this debt collector multiple times via phone conversations and explained to them that this is not my account. The only account I have had with XXXX is for XXXX ... The account I had with XXXX was paid in full around the same time this collector began calling me about the account in question. This is basically fraud as it appears that someone has added my name to this account without my knowledge or consent, because based on the dates this appears to be a bill from the previous owners of this home, so it just leads me to inquire and ask how you would have associated my name with this account. I did not have any interest ( owner nor tenant ) in the property at any time prior to the XXXX of 2017. Per the bill that was sent, there was a carryover balance from XXXX of 2017, which is impossible as I did not own that property nor did I live at that address until XXXX of 2017. I have informed them repeatedly that this is not my account and I received a call stating that it was my final attempt to pay or this information will be added as a derogatory entry to my credit file. This is not my account!
Consumer complaint received 2020-05-27
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. (TX)

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120-180 ) days late on the XXXX  partial account number XXXX. XXXX  and XXXX are reporting incorrectly that I am ( 120 ) days past due on partial account number XXXX. ( Please see pages attached from my credit report. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5. These accounts should be coded as an I1. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Consumer complaint received 2023-01-11
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. (CA)

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance XXXX ; XXXX XXXX XXXX XXXX Balance {$780.00}
Consumer complaint received 2019-02-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc. (IN)

The company XXXX XXXX XXXX XXXX reported this payment as late. This is incorrect I have never been late on any of my accounts this you can verify ....

This company has gone out of business and is not being ethical with its customers.

This has damaged my credit ... and I want it off my record.
Consumer complaint received 2023-01-11
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. (IN)

I went to the car dealership and applied for a car. I was told my credit was only being pulled by XXXX dealership ( XXXX XXXX XXXX ), however, there are XXXX inquiries I do not recognize and I did not give permission to any of these companies to pull my credit report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the FCRA, hard inquiries that were pulled without my request MUST be removed from my credit report. Please have these unauthorized inquiries removed from my credit report within 10 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. This is my final attempt to resolve this matter before I take legal action. 

XXXX XXXX XXXX XXXX This is not the original dealership ) XXXX  XXXX ( This is not the original dealership ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2021-05-24
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. (PA)

I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Please note 15 USC 1681 and 15 USC 1692A ( 3 ) in this investigation.
Consumer complaint received 2023-01-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

I went to the car dealership and applied for a car. I was told my credit was only being pulled by XXXX dealership ( XXXX XXXX XXXX ), however, there are XXXX inquiries I do not recognize and I did not give permission to any of these companies to pull my credit report. There are also credit card inquiries I do not recognize because I never applied to any of the companies listed below. According to the FCRA, hard inquiries that were pulled without my request MUST be removed from my credit report. Please have these unauthorized inquiries removed from my credit report within 10 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. This is my final attempt to resolve this matter before I take legal action. 

XXXX XXXX XXXX XXXX This is not the original dealership ) XXXX XXXX ( This XXXX not the original dealership ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Consumer complaint received 2019-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A. (MS)

On XX/XX/XXXX and XX/XX/XXXX, I spoke with at least three separate Citi employees at Citi 's Credit Card Customer Service, at least two of whom where supervisors, who told me that I would receive a refund for my secured credit card security deposit of {$2500.00} by XX/XX/XXXX. I initially received a letter stating it would take longer, but I first called on XX/XX/XXXX and was promised by Citi that the refund would arrive within 30 calendar days as I had asked for the process to be expedited. I confirmed this promise with three Citi employees. 

However, I called Citi 's Credit Card Customer Service on XX/XX/XXXX to check on the status of my refund check and was told that I would not be receiving my refund by XX/XX/XXXX, and that instead, the check would be mailed on XX/XX/XXXX. This statement was completely out of line with what I had been told. I attempted to find out why Citi 's promise was being reneged on and why I had received blatantly false information, but the supervisor I spoke with was unclear, evasive, and refused to answer any important yet basic questions. I tried to ask who would be accountable for the misinformation given to me, and requested an explanation for how, not one, but three Citi employees could all confirm I would receive my refund by XX/XX/XXXX, yet now this supervisor was telling me that the refund check would not even be mailed out until XX/XX/XXXX. 

This use of false information to get clients off the phone is absolutely unacceptable and this situation reeks of fraud on Citi 's part. Citi Customer Service representatives should never lie to customers about the timeframes for receiving secured credit card security deposit refund checks. I am very displeased at Citi 's brazen disregard for ethical banking and lending practices.
Consumer complaint received 2020-05-27
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)

XXXX  and Experian are reporting incorrectly that I am ( 120 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Consumer complaint received 2024-03-11
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc (TX)

VENMO agreed to pay XXXX back. FROM FRAUD/ unauthorization charges. 
As you can see the last complaint. 

Which will pay off everything that was scam/fraud. 

On XX/XX/XXXX they freeze my account asking me to pay back XXXX Assuming that since they credited me an extra XXXX.. I would pay it back .. still didnt know why it was only {$160.00} until I made a payment and they did not release my credit Of {$160.00} XX/XX/XXXX and {$75.00} XX/XX/XXXX I thought if I made a payment of {$160.00} They were gon na unfreeze my account Which will leave me balance XXXX .. if they re-credited XXXX my account total XXXX I made a payment back to un freeze XXXX Venmo take from XXXX Venmo take from XXXX Venmo take from Until I message them they told me it was from the last XXXX Fraud charges which was supposed to be taken care of by Venmo .. told me it was only temporarily credit now I need proof Thats what Venmo sent me which XXXX would think it would be in file already but Im guessing they dont have it in file. 

XXXX + XXXX {$390.00} XXXX So now that I paid {$160.00} they took the credit that I have in my account which left me with XXXX So basically out of the XXXX. 

Venmo owed me {$190.00} now since I repaid, and they took what I had left in my account, which shouldve been taken care of the last time, I made the statement
Consumer complaint received 2022-04-06
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. (CA)

My identity was stolen and Transunion did not remove fraudulent account because they thought the complaint was made in error. It was not and I need them to fix because my identity was stolen.
Consumer complaint received 2021-09-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA (PA)

Recently, I payed the balance in full on the account over the phone with a debit card to bring the account current. I asked the amazing and respectful lady over the phone to transfer me to an agent after she was done processing the payment. I eventually was transferred over to " XXXX ''. This is the same individual I've made multiple complaints on in the past. I immediately told him that I did not wish to speak with him because I don't like him and I don't trust him, and he does not know how to treat customers over the phone. He became super defensive and ego-driven and started trying to intimidate me. I asked him to transfer me to a different agent several times, to which he refused citing that that wasn't an option. He then hung up after I called him some foul names due to his terrible demeanor and inability to handle or escalate matters for Consumers. I called back and submitted another complaint against the individual and also was able to confirm from the different agent that XXXX lied about being incapable of transferring me to a different agent. XXXX also stated over the phone that he had been " closely monitoring my account '' since I made the first complaint against him, which I told him is deeply concerning. I then sent an email to Mr. XXXX explaining the above and also included Mr. XXXX 's office. I then reached out to a law firm and gave them the details of all of this.
Consumer complaint received 2019-11-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (NJ)

I have a collection from XX/XX/XXXX on my credit report which has plummeted my credit score that I have worked for five years to rebuild. 
XXXX  makes it impossible to reach a human being, blocks me from signing into them, lies about having called me and refuses to remove a collection from almost five years ago that suddenly appeared on my credit report this year. A ) There are two people listed on the account that I have knowledge of, B ) They never billed me after sending me a FINAL BILL in early XX/XX/XXXX & C ) the account was supposed to have been switched to someone else! 
I have gone back & forth with XXXX for three weeks. This is ridiculous!
Consumer complaint received 2019-11-09
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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc. (NJ)

I have a collection from 2015 on my credit report which has plummeted my credit score that I have worked for five years to rebuild. 
EXPERIAN makes it impossible to reach a human being, blocks me from signing into them, lies about having called me and refuses to remove a collection from almost five years ago that suddenly appeared on my credit report this year. A ) There are two people listed on the account that I have knowledge of, B ) They never billed me after sending me a FINAL BILL in early 2014 & C ) the account was supposed to have been switched to someone else! 
I have gone back & forth with Experian for three weeks. This is ridiculous!
Consumer complaint received 2021-09-19
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. (WI)

I'm victim of Identity Theft and I have been filed Police Report and Identity Theft Report to FTC, please see a copy of attached documents to support my claim. 
Transunion is only the one Credit Bureau who has reported this negative account on my credit history. 
I also took another step and filed complaint to Attorney General. 
This account need to be removed from my report immediately : XXXX  XXXX
Consumer complaint received 2023-01-19
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: The CMI Group, Inc. (FL)

This has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.